23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Sallie Mae student loans taken out during pandemic affected my gpa and status to receive federal student aid eligibility. Cant afford to pay what they are asking and co-signer wont be released without graduating. Changing in learning during and following pandemic has shifted my future plans regarding higher education.
Product: Credit reporting or other personal consumer reports

Account has been charged off several times and still has a balance.Ive yet to receivemy 1099.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies with XXXX XXXX XXXX reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to Trans Union and XXXX. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXX XXXX XXXX  be deleted from both XXXX and from TransUnion just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.
Product: Checking or savings account

CapitalOne 360 was contacted by the secondary account holder on XX/XX/2021 to dispute a BillPay transaction for {$200.00}. The merchant stated in email on XX/XX/2021 that they did not receive the BillPay check. Primary account holder then paid the merchant a second time using ACH to settle the account. CapitalOne 360 states that the check was posted on XX/XX/2021 and to contact the merchant. A proof of payment was received by CapitalOne 360 via email on XX/XX/2021. The proof of payment was sent to the merchant and the merchant stated they did not receive the check and that it was missing an endorsement they always use XXXX the proof of payment has no endorsement ). Primary account holder contacted CapitalOne 360 on XX/XX/2021 to open the dispute filed the previous week. During the conversation with representatives of CapitalOne 360, the representatives refused to offer solutions stating it was the merchants issue and to contact merchant. When primary account holder asked to escalate the claim, she was hung up on by the representative. She called back and spoke to a different representative who said that CapitalOne 360 would not refund the money as it is an issue with the merchant. After asking to speak to a manager and escalate the situation, the primary account holder was hung up on a second time. Attached documentation includes phone log showing attempts to settle with CapitalOne 360 and emails between the account holders with merchant and proof of payment.
Product: Checking or savings account

In XXXX I contacted usaa to open an checking account due to my deceased XXXX XXXX father, and XXXX children being in the XXXX XXXX XXXX  and having an account with them. I submitted my info to open a checking account and was awaiting the opening of my account. A month went by and I heard nothing. I contacted them and they claimed to not have received my ID. I have proof it was successfully uploaded at the same time I requested the account in which they didn't want so they advised me to send a copy through the mail or try to upload again and once received they can proceed with opening my account. I informed them it took 1hour and 23 minutes to upload my ID because of their system so I would send via mail. They gave me the address and I tirelessly went to XXXX to copy my ID and then USPS to send via mail. I didn't hear anything again after a week or so so I contacted them and was transferred over and over again and told they didn't receive it and then after another transfer that they did receive it days ago but I need to resend my ID in color form. I was again reassured that once they received it I could finish opening up my account. I again went to XXXX and then USPS and mailed it. Today-XX/XX/23- 2 months later I contacted then to see if they received it and was told " we decided to end business with you have a nice day ''. They gave no reason nor explained. They claim to have needed the copy of my ID to verify its really me. I'm XXXX and was not supposed to be driving nor on my leg. I sustained a new Injury which made it almost impossible for me to have gone back n forth to send my personal information through the mail. I'm in pain 24/7 and they totally had no consideration.
Product: Credit reporting

The Experian credit report says I have a delinquency in 2012 on my student loan. This is a mistake because I have never been without a deferment. 
Furthermore I am in my third and final year of the forgiveness process.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got my credit report of all 3 credit bureau on XX/XX/2019from experian and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
Product: Student loan

On XX/XX/XXXX, I received an email confirmation from Navient that they had received my income based repayment application. I received another email from Navient on XX/XX/XXXX confirming that my income based repayment had been approved. OnXX/XX/XXXX, I received an email from Navient regarding auto debit payments. My monthly payments were increasing to {$290.00} from {$28.00}. The document stated to make sure to apply for income based repayment or my payment will be XXXX. I emailed Navient on XX/XX/XXXX stating that my IBR application was approved onXX/XX/XXXXand my new repayment plan did not reflect an income based repayment. I asked for my income based repayment plan. OnXX/XX/XXXX, I received a monthly bill for XXXX. I still have not received my income based repayment plan and now I have been provided a bill not reflecting an income based repayment. I sent another email asking when I would receive my income based repayment plan.
Product: Credit reporting or other personal consumer reports

This grievance is not without XXXX. My credit report contains inaccuracies and incomplete information, which is unduly distressing and adversely impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a hard inquiry on my Transunion report for a credit card I never applied for, XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And Transunion said I had to report it with the Federal trade commission before filing dispute
Product: Credit reporting or other personal consumer reports

Please see ALL attachments of the 3 - bureaus inaccurate reporting errors attached to this complaint. 

for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXXXXXX  Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian PLEASE TAKE NOTICE : I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX  Account number : XXXX Account status is misleading : showing different information per bureau. 
Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX  XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : US DEPT OF ED/XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
XXXX XXXX. 
Account Name : Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
I did some research about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed. 
Experian is in violation of 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished deleting the inaccurate accounts. I hope this will be soon. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting

I have a paid subscription with TransUnion Credit Reporting. I recently went online to check credit and there was XXXX " delinquent '' account. I spoke with XXXX people -- XXXX and his supervisor XXXX.. They were very difficult to understand and when i asked them to speak slowly, they would continue to speak in fast, heavy XXXX accented XXXX. They first insisted that I could see the source of the delinquency on line. This was untrue. After nearly 20 minutes of talking, they said that they had found the source of the delinquency, first claimed that they could send me a written report, then claimed they could not - that was another department XXXX said - then said they would send it since the " delinquency '' was not identified online. They then asked if I wanted to dispute the " delinquency ''. When i said I did, they said that they could not XXXX dispute the delinquency, AND send me a physical report. They then said that they could not help me and I had to call the " online '' department. They gave me a number for the online department that was the exact number I called to talk with them, and is the same number provided on the TransUnion site. This is the only number provided by Transunion and there is not other way to contact TransUnion provided on the site. 
This would appear to be a number of dead ends set up by Transunion to keep the consumer from pursuing information from them, and would appear to be behavior set up to thwart the consumer. This is from a group that is XXXX of the XXXX groups we depend on to protect us as consumers, and which advertises on its website " TransUnion Interactive is committed to making your experience as easy and trouble-free as possible. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX  Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that Transunion shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for XXXX XXXX. 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( Transunion ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Mortgage

When my HELOC loan was transferred to Select Portfolio Servicing ( SPS ) in XXXX they started charging me for Home Owners insurance. XXXX XXXX the company with the 1st lien was already escrowing for home owners insurance. I sent to poof of insurance to the company back in XXXX. I noticed approximately 3 months ago I was still being charge for the insurance. I sent proof to SPS of the insurance I had with XXXX and my Statements from XXXX XXXX that they were escrowing for the insurance. I was told it would be resolved in 3-5 business days. I them called them again a month later as I had heard nothing from them and again they told me I would hear from them in 3-5 business days. I then called them back again about a month later and they again told me I would hear from them in 3-5 business days. Today XX/XX/XXXX I called them again and I was told they have not been escrowing by the first person I talked too then I was transfer to a " Manager '' and he told me he would research the issue and it would take 24 - 48 hours. I have no confidence that anything will be settle without legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my debt dispute journey by sending a certified letter to all three agencies, TransUnion, XXXX and XXXX on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, XXXX XXXX XXXX. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota state ID, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX social security card and Court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCA Fair Credit Reporting Act XXXX XXXXXXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I

want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Product: Student loan

I have been dealing with this since last year. I have paid approximately XXXX since XX/XX/year>. I emailed them, but received no response. I tried calling them and after three phone calls and being on hold for 4 hours I finally reached someone that told me it was because I had been put on the Save Plan and that they would correct it. Several more emails and phone calls when this was not the case. Finally got through again for someone to tell me it would take 2-3 months to correct which is ridiculous. Still I have been paying and selecting to move my payment date forward for all except one of my payments and still every month it says I have a payment. I emailed them again and received a response asking for the dates I made payments that should have moved the payment dates forward. I sent them a screenshot and then received a response back stating that it was not easy to communicate over email and that I needed to call them. I am at my wits end with this company. On XX/XX/XXXX I received an email stating I was put in Administrative Forbearance due to all the issues, but the table they sent I don't understand and I CONTINUE to have an amount due every month.
Product: Mortgage

I continue to have extreme difficulty communicating with US Bank regarding 2 unexplained amounts on my mortgage account. After a 3 month forbearance, I resumed making my complete monthly payments on XX/XX/2020. There is now one amount of {$1800.00} and another of {$2700.00} listed on my mortgage account. the {$1800.00} says " other fees '' listed under the PAYMENT AMOUNT DUE section and the {$2700.00} is described as " SECOND ''. I have called countless times, in general, regarding this forbearance thing and it has been a horrible experience. The majority of the time, the representative has given me incorrect information or no information at all. My last phone call was on XX/XX/2020, I spoke with XXXX, who did explain a little about why the process to return my account to normal has been excruciating long, but she was not able to explain the amount in question. She told me that her supervisor, XXXX, also did not know. She did confirm that during the forbearance, there will be absolutely no fees or penalties and she said someone would call me back about it. US Bank has yet to contact me regarding this matter.
Product: Mortgage

I submitted a request for the removal of PMI after my loan reached XXXX % LTV ratio in XX/XX/XXXX. I received confirmation of my request on XXXX XXXX, 2015. This stated that they received my request, and that I would receive a written determination within 30 days. 

On XXXX XXXX, 2015 I received a phone call stating that I had submitted the FHA form, and I needed to submit the conventional. While on the phone, I brought up the form, and confirmed that I had sent the conventional. I placed on hold and the customer representative came back and stated that I had filled out the correct form, but I had not checked any boxes. I confirmed that I had not check any boxes, because none were relevant to me. 

Again I was placed on hold, and when the customer service rep came back on, she stated that the requirements for removal were a XXXX %, LTV. I stated this was incorrect, my loan documents stated it could come off at XXXX pct, with automatic removal at XXXX pct. Again I was placed on hold. When the representative came back, she asked that I email a copy of my loan documents, which I did. 

On XX/XX/XXXX, after 3 months of no reply, I called to check on the status. The representative stated that they did receive my request, but needed me to fill out a new one. When asked why they needed a new one, the representative stated some of my information may have changed. I stated the form only asks for my loan number, address, and SSN, which have all stayed the same. Again I was placed on hold. After 5 minutes the representative returned and said they did not have an image of the request. When pressed whether they lost it, she would not comment. 

After 100 days, I am still at the beginning process of the removal of my PMI. Due to this delay, I have paid an additional 3 months worth of PMI.
Product: Debt collection

My name is XXXX XXXX and I have been trying to get these collections off my credit report since XXXX of XXXX. Since that time I have sent 3 Certified letters 3 times to ARS, XXXX XXXX XXXX and XXXX. I sent letters because I believe that my HIPPA Rights have been violated because I do not recall giving anyone or signing anything of releasing any of my medical information to anyone. Also, I asked for validation of debt letter and never received anything. Until XX/XX/XXXX ARS sent a collection letter but it has violations on it, according to 15 USC 1692 b 2 and 15 USC 1692 b 5. To this day over 120 days later, and that was the only letter I received. I also sent them an Affidavit about the violations. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am in the process of getting a home loan and this is hurting me. I am a single parent with XXXX kids trying to make things better for us.
Product: Student loan

I 've been paying my Government Loan for 11 years. 
My original loan amount was around {$24000.00} and I now owe {$36000.00}, which I 've been paying as often as I can for 11 years. Some of the time I had to defer my payments due to losing a job or between contracts. I do n't feel that this is fair for me to have to pay on this loan for as many years as I have, around {$250.00} per month. 

Thanks, XXXX XXXX
Product: Consumer Loan

My loan has been taken away but the company still keeps their account open in my credit information.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXX  Bal. {$0.00}
Product: Consumer Loan

I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.