23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I reached out to Navient on XX/XX/2019. I stated that I'm getting bills for repayment when I've been a XXXX XXXX XXXX XXXX for the past several years and that I'm nearly done with my degree. They stated that I can no longer get forbearance but I could pay {$150.00} to get deferment. I told them that I make XXXX/yr with a XXXX   XXXX child and I don't have any extra money to pay to hold my student loans while I finish school and neither does my dad who is the cosigner because he's a XXXX vet on a fixed income. I also explained that I have to leave my job soon to do my student XXXX  and wouldn't have income at all. They refused to do anything to help and that they'll just keep going into collections.
Product: Mortgage

On XXXX/XXXX/16, XXXX XXXX XXXX received a call from and was informed that the loan was eligible for the XXXX Lien Modification Program, Extinguishment. XXXX XXXX, from Wells Fargo, advised that a package was being sent to me with the information and document needed to fill out. For two times, XXXX XXXX XXXX spoke with XXXX XXXX where he would ask for the document, but the package had been sent to the wrong address, twice. On XXXX/XXXX/16, XXXX XXXX XXXX told XXXX XXXX that if only the XXXX was needed, it could be printed out and sent. The XXXX XXXX advised that on XXXX/XXXX/16, I was going to the office to sign the document. XXXX XXXX, from XXXX XXXX XXXX, specifically said to XXXX XXXX that the form was going to be sent out on XXXX/XXXX/16. So, on XXXX/XXXX/16 the form was sent and received by Wells Fargo as promised. 
Around the end of last week I received a letter from Wells Fargo dated XXXX/XXXX/16, saying that I do not qualify for the program because I was non-responsive. 
First of all, this is the first time that they have my address right ... only to say I do not qualify anymore ... how convenient! 
Second, how was I non-responsive? They sent the package to the wrong address twice and we sent the form the exact date we promised to send it. 
XXXX XXXX, from XXXX XXXX XXXX, called to find out what is going on with the account. She was told that : 1 ) the XXXX was incomplete -- I will let you judge if there is any missing information on the form. There is only XXXX borrower on this account and everything is filled out. 
2 ) that calls were made out to XXXX, and that someone spoke with her several times and she knew about the incomplete form. That is all a lie. After she submitted the form on XXXX/XXXX/16, she did not speak with anyone else. We are the most interested in solving this issue. But of course, it is not in the best interest of the servicer. 
3 ) the representantive on the phone ( XXXX from the Recovery Department ) stated that right now the full amount is due on this account. However, she still tried to get information regarding payments, asking if the borrower was able to make some payments of at least {$50.00} ... knowing that this amount was not going to cover the whole amount and it will just put at least some money into the servicer 's pocket. That is just wrong! She even said if the borrower could make a payment for them to try to solve the issue regarding the letter I received, as if I needed to make a payment for them to do their job. They are trying to collect money from a borrower that qualifies to get this loan forgiven. 
This is all a scheme to continue to perform fraud against us the homeowners. I am turning to you for help. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative (   XXXX   ). Incorrect address (  XXXX   XXXX   XXXX   XXXX   ).   XXXX  revolving account  XXXX   XXXX   XXXX  and  XXXX  credit card. Also, a incorrect name  XXXX   XXXX . I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Further information from XXXX on my public record, states that the info Experian are saying they verified through XXXX is false. XXXX even sent out the documentation to Experian that verifies they are holding info on my credit file that they did not get from XXXX. Experian still refuses to provide me verification of where they got the info so I can rightfully dispute it with the entity. XXXX did the right thing and deleted the public file in accordance with the FCRA. With no verification, The info on my credit file dealing with the public record number XXXX needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for 1099-C Dear Credit Reporting Agencies, I am writing to formally dispute the accuracy of several accounts listed on my credit report, including accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I request a reinvestigation of these accounts, as they appear to violate several provisions including 15 USC 1666b regarding billing disputes and 15 USC 1681e ( b ) concerning the accuracy of information. Additionally, I am requesting a 1099-C for all charge-off accounts as mandated by tax code regulations. If these entries are not corrected or removed, I will be compelled to seek legal remedies for damages as permitted under the FCRA and related regulations ( 12 CFR 1006.34c, 12 CFR 1006.6c ). Please confirm receipt of this letter and provide a timeline for the reinvestigation process. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX 30 day late payment on my credit card from XXXX  - this was during National Emergency ( XXXX PANDEMIC ) - as I was laid off and lost my job and fell behind before I was able get my first check from the new job. This account is almost XXXX XXXX XXXX and this the only late payment made. I requested that Experian remove the late pay, due to the above reason as that is a valid option for the dispute. Within XXXX hours, the dispute was completed and it was decided that the dispute was rejected and the late payment will remain on my account. Experian is currently being sued by the CFPB for these very actions of not properly investigating disputes, which has become detrimental to the credit health of millions of consumers. Although they have been cited for not following the law, everyday, they are continuing to disregard the guidance and direction of the CFPB and still allow these infractions to occur. It is obvious at this point, not only do they not care about following the law, they equally are choosing to purposely harm consumers by allowing their system, representatives and processes to reject correction, on even the smallest of errors. It is grossly negligent for them to be allowed to continue to operate this way. At this point, they are gravely damaging the credit rapporteur of millions of consumers, and they so not appear to be letting up, stopping or complying with your orders anytime soon. When will this end? When will they be held accountable? Most importantly, when will the consumers stop being punished for minor late payments made during a National Emergency that the world had never seen before? These mega companies are now financially killing the consumers who survived one of the deadliest times our world has ever seen, with what appears to be intentional and strategic as they refuse to adopt the guidance set forth by their own Regulator, which is you, the CFPB.
Product: Debt collection

XXXX bill from XXXX  wen to diversified consultant like we miss payments and report me on my credit report. 

Diversified consultant report me with XXXX XXXX about not paing my account. 

We try to contac you guys but you wore close because of federal shutdown. 

We pay to diversified consultant noing was a complete fraud only to be remove from credit report Today we pay another XXXX dlls to same company same issue in cellphone account charging 2 XXXX we never receive because I wanth to buy a house guys can not be posibel XXXX  is doing fraud to every buddy over charging we don't complain because is XXXX dlls only I pay an I need that collection remove from my report. 


The company is XXXX DOING COLLECTION WITH DIVERSIFIED CONSULTANT Doing a complete fraud Report XX/XX/2018 XXXX/XXXX XXXX . ALL READY PAY ONLY TO NOT BE REPORTED BUT WE DONT OU MONEY TO XXXX.ALREADY SEND COMPLAIN TO XXXX XXXX TO DIVERSIFY CALL 20 TIMES TO ATT NOT POSIBEL
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX offered me the option of One Road Lending to pay off the work that needed to be completed on my XXXX XXXX XXXX. The business offered me this option and I assumed when they were working on the computer that this was an online form and had no idea it was an internet company. I was approved for One Road Lending and was told that I had the option of 12 or 24 months to pay off my loan. I was approved for {$1700.00} maximum and {$30000.00} minimum. At this time I verbally agreed with the shop manager who then stated that my new account number would then be e-mailed to me with a phone number to contact the company with any additional questions. I contacted the company and provided them with my checking account information because they stated they had to make sure I had an active account. They then explained that they would pay the retailer and I would then pay them back. However, at this time no financial figures were provided because at this point we were unsure of how much the repairs would cost. On X/XX/17 I went in to pick up my car and make my final arrangements I was told that the total bill was {$1200.00} for the repairs. This was then forwarded to One Road Lending. The retailer then stated that he could not spread the payments over a period of 24 months and could only do a 12 month span. I then asked what this would make my payments monthly. When I stated that this was 50 percent interest he stated that nothing could be done by the retailer and I asked to contact the loan company. I tried to reach out to the loan company over a period of five days and only was able to reach a voicemail that stated that the company is currently closed. The day I picked up my car I also could not get in touch with anyone from the loan company. I tried contacted the collecting company and they stated they could not help me and I would have to work through the lending company. I paid the {$200.00} to get my car back and the manager stated that the contract would be sent to me via e-mail. I have reviewed the contract and have decided not to sign it. Total I would be paying {$2500.00} plus an additional {$170.00} at the end of the loan. I am confused regarding the difference between a lease and a loan as a " closed end consumer product lease '' is stated on the loan. On X/XX/17
Product: Credit reporting or other personal consumer reports

i requested a security freeze be placed on my account on XX/XX/XXXX.
Product: Student loan

I have been told that my student loan is past due XXXX for which I ca n't afford to pay back. In my most recent conversation the person I spoke to XXXX at XXXX this morning was very rude. I have done what Fedloans has asked me to do 8 times within the last XXXX months and nothing has happened in regard to the past due notices of XXXX. Today I was told that it has gotten to this amount from the amount of XXXX. I just want for them to do what they say and make the payment XXXX dollars until i can pay it back or not have to pay it at all for all the pain i have gone though for them to do what they say.
Product: Debt collection

every week for the past 2 months Penn Credit Corp at  XXXX either leaves a message or when call is answered a voice automated teller indicates that we owe a debt of {$74.00} to publishers clearing house. If we are submitting payment via mail press 1, if we can not make entire payment press 2, if we want to currently pay over the phone press 3 to speak to a representative. We have attempted to each prompt and to have our number removed by speaking with a representative and the calls continue. Today XX/XX/18 we pressed 3 to  speak again and it is now asking for a pin number to continue the call. In previous calls, it indicated that the amount was going to be removed from our XXXX XXXX account. This is a SCAM. We do not owe money to XXXX XXXX XXXX and want the calls to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my credit file for business. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX is my info. Please REMOVE/DELETE the fraud alert Notes from my file so I can access my credit.
Product: Bank account or service

I deposit checks from my phone over the internet. The bank has set a limit on the amount of money I can deposit with my phone. If I pay them {$12.00} per month more than I am currently paying them ( currently {$12.00} service fee ), I can deposit as much as I want over the internet. This makes no sense to me. I can deposit as much as I want if I walk into the bank and make the transaction. It costs them more for me to deposit funds in person ( building upkeep, heat, A/C, electricity, employees to be there whenever I decide to come in ) than to deposit over the internet. I do n't think it is right for me to have to pay the bank to give them money ( make deposits ) that they are already using interest free.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a payment of {$1200.00} to Caliber Home Loans. This payment cleared by the XXXX. They are incorrectly reporting that this payment was over 30 days late pulling my Credit score down. They also did this in XXXX of XXXX. We have called them countless times about this issue, sent emails, and even sent certified letters in the mail and they refuse to correct there mistakes. 
In XXXX of XXXX Caliber also claimed we had no home owners insurance since XXXX of XXXX and that we were going to be charged a fine for this and we had 30 days to get insurance. We thought this was incorrect but got new home owners insurance which was effective XX/XX/XXXX. Then around XX/XX/XXXX caliber decided they were going to take out there own policy on us with our permission. So they caused us to have 3 active policies, and be charged a fine which sent our escrow plummeting. We contacted them to fix this and they still havent so we are paying an extra XXXX $ a month due to there error. 
Due to there repeated XXXX ups we are unable to get a new loan and are going into debt trying to keep up with the money they say we need to pay caused by the mistakes they made.
Product: Credit reporting or other personal consumer reports

fraudulant address are being reporting on my current credit report, i have called experian so many times and raised my concern and they will not listen to me at all!... i am extremly desperate to remove these fraudulant address off from my credit report! 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX this address needs to be removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. CAPITAL ONE AUTO FINANCE WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/XXXX OF 2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM CAPITAL ONE AUTO FINANCE. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO XXXX XXXX AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM CAPITAL ONE AUTO FINANCE THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY XXXX XXXX CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED CAPITAL ONE AUTO FINANCE ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO XXXX XXXX THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING CAPITAL ONE AUTO FINANCE TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT CAPITAL ONE AUTO FINANCE JOB IS TO CONTACT XXXX XXXX TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND CAPITAL ONE AUTO FINANCE HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED HAS BEEN PAID FOR IN FULL AND I WOULD LIKE IT TO BE REMOVED OFF MY CREDIT FILE, FOR IT HAS HINDER MY CHANCES OF ACQUIRING XXXX CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX and Fico scores ( XXXX XXXX ), i discovered that my credit score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX Credit Account. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 

I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.