23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I keep paying my Navient balance. However, they always seem to apply it all to the interest and none of it to the principle. Therefore, my student loans have not dropped. I called them about it, I keep getting disconnected. This organization is run by crooks. I asked them to send me a statement on how it 's being applied. I have paid more than the statement. It 's getting misallocted.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, all of the agencies, XXXX Equifax XXXX, received a complaint from concerning discrepancies on my credit file ; there are several : XXXX XXXX-acct:XXXX XXXX XXXX  acct:XXXX, {$16000.00} XXXX XXXX  acct:XXXX  {$11000.00} XXXX XXXX  acct : XXXX {$56000.00} XXXX XXXX acct : XXXX, {$150.00} XXXX inquiry
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX  XXXX XXXX : {$2000.00}
Product: Student loan

I have done everything possible besides file a lawsuit- My case with Navient screams of class-Action- I have meticulous records of every phone call ( recorded ) every letter, every dispute filed with XXXX, XXXX and XXXX- My insurances have increased over $ XXXX monthly directly due to Navients willfully neglected investigating and reporting. In 30 years the only negative information on my credit reports is the inaccurate information Navient continues to report. 
Summary : from XX/XX/XXXX-XX/XX/XXXX I co-signed student loans for my daughter XXXX XXXX, after she restructured her loans under one payment to be split between all her loans ( i believe XXXX of them ) Navient misappropriated the payments and never applied a portion to XXXX loan account, as a result that account went into charge off, After years of complaints I finally filed a complaints with the CFPB. First on XX/XX/XXXX Case # XXXX and again on XX/XX/XXXX case # XXXX. However, I just applied for an auto loan and was denied due to " recent serious delinquencies '' I pulled my XXXX and XXXX credit reports to see Navient again inaccurately reporting me 150 late XX/XX/XXXX. ( see attachment ) Insanely, this is after Navient claims to have investigated and ADMITTED their errors and promised to correct my credit reports. Numerous times Navient claimed to correct my credit reports, each time I fount the corrections incomplete. I have given Navient more than a reasonable time and many many more opportunities to correct their admitted mistakes. I am not a wealthy person, I immigrated to the United states XX/XX/XXXX from XXXX. My father was a XXXX politician and very wealthy, I left all that wealth to come to the USA with nothing but a promise for labor work as my father cut me out of his will for leaving. I have been working as a XXXX since. I have contacted an attorney XXXX XXXX of XXXX law group. He is willing to take my case but currently in the middle of several other class-actions and informed me his schedule wouldnt allow him to take my case until XX/XX/XXXX. I hear he is the best there is. I have not yet retained him and truthfully i was preferring to avoid litigation. However, Navient seems to have left me no other choice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Fraudulently went into what was said to be a car loan contact, that was then unlawful turned into a security back asset without disclosure and then sold and traded for investments with out consent or disclosure. Once I realized the security fraud that was going on I rescinded the unlawful contract, notified the company and the IRS, of the fraud and have been requested the collateral asset back since. XXXX XXXX XXXX XXXX never disclosed all transactions that would be going on with this security back asset. XXXX XXXX XXXX XXXX  then reported false information to transunion, XXXX. This account has been completely discharged through the u.s treasury and XXXX continues to violate permissible purposes by sharing private information to a third party with out authorization
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I used Lexington law for repair my credit for about year they took my mm ineh and there was no result. It was in XXXX XXXX in the XX/XX/XXXX they charge around XXXX dollars.
Product: Mortgage

USAA Federal Savings  Bank And  XXXX   XXXX  can not effectively communicate  ; USAA Home Value  Monitoring on my Residence-  XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  is  XXXX  dollars while  XXXX  estimate  XXXX  dollars approximately after putting in over  XXXX  dollars in repairs/modifications ;    XXXX    numerous  books Property Owners Associations etc ... have ability to decrease home value and I have had significant issues with both my home owners association and City of  XXXX  , AL ,  XXXX  ; Also  XXXX  veterans live in this area and U SAA is  a military bank, run by ex-senior officers, so no telling what influences have played out here- not for me to figure out? My realtor with  XXXX   XXXX   XXXX  contacted USAA on my behalf asking for an explanation of the  XXXX  value and got transferred around to three different people/agents, they were then told an informal estimate would be emailed to me within 24-hours. This did not happen!!! I called USAA and talked with agent Friday  XXXX   XXXX    XXXX  . I had to repeat myself constantly. This agent then placed me on hold a very long time and then transferred me to wrong department in   XXXX   XXXX  - I then had to repeat myself over and over again. I told both USAA and  XXXX   XXXX  I wanted an informal estimate, and if it was  XXXX  below  XXXX  I wanted a complete written explanation as to why. I told  XXXX   XXXX  they had  24-hours  to sort this out with USAA and get back with me and they have not.  XXXX  my writing you yet again about another issue with USAA Mortgage servicing. I am beginning to lose count now. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at XXXX XXXX XXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX XXXX  on XXXX XXXX. I am currently in XXXX XXXX. The company XXXX is currently updating remarks on my credit report and which I was told no one is supposed to be communicating with me or my credit status. This is a violation of my rights under XXXX. I would like to have the account or negative information removed immediately.
Product: Debt collection

Portfolio Recovery Assoc XX/XX/2016 {$340.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Product: Student loan

I made an extra payment of {$480.00} in addition to the amount due on XX/XX/15 but it was evenly distributed across my loans when it should have gone to the loan with the highest interest. I have my account set up for " XXXX XXXX '' where the extra payment is applied to the loan with the higher interest rate but this didn't happen. 

So instead of the extra payment going to the principal of the loan with the largest interest rate ( like it supposed to ), which would save me on interest in the long run, it is spread amoung my loans not allowing me allowing me to benefit from interest savings. 

Additionally, my account is set up so that the extra payment doesn't advance my due date. Meaning, I should have a payment due on XX/XX/15 ( it should be the same amount as what was due in XXXX ) but they advanced my next due date to XX/XX/15. This is bad because my loans we still accrue interest during those 2 months so once again I will end up paying more interest. 

I have reached out to nelnet several times but have been unable to fix the issue and the longer the error isn't fixed the more extra interest I have to pay. It seems like they are causing these errors so they get more interest from their loanees which seems illegal.
Product: Credit reporting or other personal consumer reports

I received my XXXX report Around XX/XX/2024. I had Oportun who I have no clue who it is and never have been affialated with this company. Show up on my XXXX Report on the dates of XX/XX/2024, XXXX, XXXX, XXXX, and XXXX with all the details that i will attach as evidence to this complaint. With me not even knowing who they are or how they got my private person information. Which for starters it is identity theft. Im sure if they have my information they are probably selling my information on the secondary market unjustly enriching themselves. I never gave this company consent to have my information. Now more proof of this is on my XXXX credit report on XXXX, XXXX, and XXXX ( will attach evidence as well ). Oportun has sent me mail several times when I do not know them. Or want to know them and they do not have the consent to do so. I scanned like XXXX or XXXX notices they sent me in mail to prove this as well. It is harassing me at this point too. They have cause me harm on my reports, stress and very worried about how n why they have my information What other consumer laws and rights they are violating against me. I am giving them one chance the opportunity to cure or i will report them to all the government agencies, and make a small claims Immediately! If i have to take the time, energy, and everything i know it takes to file the claim. I am letting them know now that it will be causing more harm and mental stress, which i will be asking for more damages for the harm done. I will go through title 15 of the U.S. codes and make sure I get violations that i believe they are violating besides identity theft and few others ( GLBA [ 15 usc 6802 ], FCRA [ 15 usc 1681 ], FDCPA [ 15 usc 1692 ], UDAAP, knowing each violation could be {$1000.00} w out damages ) i can think of off top of my head. Anyway i am not making this long. I have already made sure i got both my XXXX Report & my XXXX Report so I have the evidence to make my claim if you fail to take my act of good faith to cure the harm you are liable for. Now, because you have my private personal information without my consent. If you do not wish to cure the harm you are liable for. Please send me a statement of penalty of perjury that you are not selling my information on the secondary markets for unjust enrichment. Also stating who you have received my information from and what you paid for it or however you got it. And what steps you took to protect it so you would be not violating the Gramm Leach Bliley act ( GLBA ). Please send me the names and companies of anything that has to do with my name and personal information. Please response within 10 days of receipt of this notice or i will start my small claims filing. I thank you in advance for you rapid response
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

XXXX ( Account : XXXX ), XXXX XXXX ( Account : XXXX ), Bank XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX Bank ( Account : XXXX ), XXXX ( Account : XXXX ) has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act. 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. XXXXB ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late
Product: Money transfer, virtual currency, or money service

I had a tenant who applied for XXXX XXXX XXXX  to avoid being evicted. After a long battle the XXXXXXXX XXXX XXXX approved his application. The XXXX  XXXX XXXX utilizes XXXX to send payments. I had provided all documents and passed verifications with the XXXXXXXX XXXX XXXX, hence why they issued the payment. I got an email from XXXX saying I had been paid and to enter my personal information. I did that and the payment processed. It was for a later date then i thought so I was on chat with support which took forever. I was kind of playing around seeing what XXXX was about. Not doing any transactions. I added my other bank. I was getting very misleading information from the chat support and it wasnt making sense, They werent answering my questions and at one point XXXX XXXX just refused to respond. I lost my trust in this company I went and removed my bank, I asked for my personal information to be removed after the payment was made. No response. I get an email from their Risk Operations via email XXXX asking for personal information to be sent. It was information on the account that I had already disconnected from their platform and made no transaction with. I repeatedly asked why, that account isnt on XXXX. It violates Banking Privacy Laws. I was not comfortable providing information to this company. I had no choice but to make an account to get the payment so that a family would not be on the streets. They blocked the already verified payment and used that as leverage to force me to give them information on an account they had to legal right to ask about. It was say no and my tenant was evicted or comply and they send the payment. I did comply and they released the payment. I asked for names, department contacts, they would not answer any question that would give me an opportunity to inquire about their practices. I feel my right have been violated, and banking privacy laws were violated
Product: Credit reporting

I have been in conversation with both XXXX Bank and Transunion and have requested my mortgage accounts with XXXX Bank be reported. XXXX Bank has been working for almost 2 years trying to correct this and Transunion refuses to add my two accounts with XXXX Bank to my credit report. They continue to tell me to contact XXXX Bank which I have done many times. I would like assistance from you to have Transunion correctly report my two accounts with XXXX Bank to my Transunion Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed 59 late payments on XX/XX/XXXX XXXX and XXXX ended my dispute against Navient stating that Navient verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from XXXX and XXXX stating that isnt the case thay Navient verified the debt as correct and put the late payments back on I believe Navient is in the middle of a cover up I would like to file a complaint against Navient XXXX and XXXX for breaking the law and putting fraudulent information on my credit I would like a full investigation
Product: Debt collection

This is a formal complaint against Southwest Credit Systems located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

Ive disputed with Equifax, the deceptive collection account from XXXX XXXX  XXXX alleging i owe debts in the amounts of {$260.00} and {$220.00} being reported on my Equifax credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Equifax Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make p
ayments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this
information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!