23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have emailed Aidvantage countless times to try to understand my repayment schedule. For months I was told two loans ( out of my four ) were due this XXXX. I received and I paid it this month. However, they allocated the money to the two loans that have the lowest interest rates, which should not have been the case. One of them should have been my second highest interest rate loan. They are taking advantage of me and just allocating money to the loans that wont make them as much money going forward. They need to correct this. This company shouldnt be in charge of anyones financial information as time and time again theyve showed me their incompetence and complete disregard to how loans are handled.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX has now sold the XXXX  loan to Alliant Capital Management LLC. 
In XXXX of XXXX, XXXX stated that I took out a XXXX loan. They were taking out XXXX a XXXX. I started contacting XXXX in XX/XX/XXXX. The company never returned my calls or supplied the information I requested. In XX/XX/XXXX, I had to close my XXXX account to stop XXXX from taking out the payment. I got XXXX XXXX involved to help me get information. XXXX has been on phone calls with me to XXXX since the Summer of XXXX. I mailed paperwork to XXXX XXXX times. 
Now Alliant Capital Management LLC has the XXXX loan at XXXX. None of the payments that were taken out of my XXXX account are even accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX  , XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

I trust this communication finds you adequately. With mounting frustration, I am compelled to lodge a formal complaint regarding a persisting issue that continues to evade resolution despite my repeated efforts. This marks my eleventh attempt to highlight the ongoing problem of denied access to my personal credit report by EQUIFAX. Regrettably, their consistent refusal to furnish any information regarding my credit history is unacceptable. Enclosed are supplementary documents bolstering my assertions, including duplicates of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.
Product: Credit reporting or other personal consumer reports

Subject : Reporting of Bankruptcy by a Third Party Without Consent Violation of My Rights as a Secured Party This complaint is submitted in response to the companys response to CFPB Complaint # XXXX. 

As a secured party, I did not authorize the reporting, sharing, or use of any bankruptcy-related information. The reporting of this information especially through a third party ( XXXX ) is a direct violation of my privacy rights and federal protections under : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) Consumer protections under the Federal Trade Commission Act Equifax has failed to directly address the core issue : the unauthorized sharing and reporting of bankruptcy data, which I did not consent to and which violates my status and rights as a secured party. 

Supporting Evidence : Bankruptcy Court Letter states the court does not report to third parties FTC Affidavit details the fraudulent and unauthorized reporting XXXX XXXX Solutions Disclosure shows XXXX shared this data with credit bureaus without consent Violations Cited : FCRA 1681b No permissible purpose for collecting/sharing this data FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681n Willful noncompliance XXXX XXXX Unauthorized sharing of nonpublic personal info FTC Act 45 ( a ) Unfair/deceptive practices Relief Requested : Immediate removal of all bankruptcy-related data Written confirmation from Equifax that this information is permanently removed Investigation into XXXX role as the third-party source Block XXXX from providing any future data without verified consent Consideration of enforcement and compensation for ongoing harm Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISCLOSURE
Product: Credit card

navy federal has closed my account dueto someone opening a credit cared in my name and maxing it out ... Im highly frustated i am a vicitim of identity theft and data breach and this has caused nemerous credit score changes as well as a burden please delete this off my report and allow me t open future credit cards with my own identity
Product: Debt collection

I have not received a 1099-C form from the original creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service . 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this matter and remove the write-off from my credit report until proper documentation is provided. Please provide me with a written response detailing the actions taken to resolve this dispute.
Product: Debt collection

Im being billed for an XXXX XXXX XXXX at XXXX XXXX  in Delaware. There was no good faith estimate given at the time of visit. Based off the visit XXXX XXXX XXXX should be billed. No XXXX  was given. If they want me to pay the bill I need an itemized list of the care that was given. XXXX get an attorney if necessary. 

Being that I was XXXX XXXX  patient I should of received a good faith estimate of what the cost would be. The price of the bill is over {$400.00} more than what is listed on their website for XXXX XXXX XXXX This should fall under the No Suprise act. This also caused my credit score to decrease over XXXX points. This should be removed from all XXXX major credit bureaus.
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered several inaccuracies on my credit reports provided by Experian and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my Experian credit report and submitted a dispute. XXXX had previously confirmed these entries were reported in error. 
I sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX 's Response : XXXX acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications.

Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either Experian or XXXX. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.

Requested Resolution : I seek the CFPBs intervention to ensure that XXXX and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX and the credit bureaus stating that the corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX First National Bank Of Imaha sought an application to extend a card card To me on behalf of XXXX XXXX XXXX as an agent for the principal ( XXXX ) warranty for my XXXX XXXX XXXX. The rejection came on XX/XX/XXXX stating I had the following : SERIOUS DELEINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED RATIO OF BALANCE TO LIMITS ON XXXX XXXX ACCOUNTS TOO HIGH TOO MANY ACCOUNTS WITH BALANCES These disputes are nefarious at thier core My accounts covered a large time exposure and included XXXX. 
These critics exclude the fact that I have 3 banks XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and a score over XXXX in each credit data company and two credit cards and I and LLC to a commercial company.
Product: Debt collection

This company has contacted me via phone every day, several times a day for months but never leaves a message. I know no one at this number. I would prefer the calls stop immediately.
Product: Student loan

On XX/XX/year> I received notice from MOHELA that I had been placed on forbearance since I was a borrower on XXXX. The letter states that there will be a XXXX XXXX interest. On XX/XX/year> I received the same noticed that I had been placed on forbearance and it states there will be no interested. I received an email XX/XX/year>. The interest is now accruing and now almost {$200.00} of interest has been accrued.
Product: Checking or savings account

I have been going through this situation with chase bank for over a month I deposited XXXX $ into my account the atm took my fund and my account was not credited I filed a complaint they investigated the atm but did not check the camera to prove I deposited the funds they waited three weeks to search the atm they told me that my fund were not located and the atm did not show any funds deposited I explained to the investigator that it was an error  message that showed up on the screen when I deposited the funds I immediately called the bank without leaving the scene the agent told me he saw the error and it took up to ten days to resolve the  issue my case was investigated multiple times I had two different investigators none of them checked the cameras or any of the phone conversations I need my funds it's no way possible that my funds weren't found the bank has basically stole my money if I had took one dollar from a bank I would be in jail my case was not  properly investigated my fines were stolen and I need to be reimbursed I don't know what else to do after this accept get a lawyer and sue I pray this resolves the problem my name is XXXX XXXX my email is XXXX please contact chase bank and return my funds please
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named  XXXX  informed me that I owe {$600.00} t o NFCU f rom  XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in  XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since  XXXX , I have filed for bankruptcy in  XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to  XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, & TransUnion, I am writing to request that my address information on my credit report be updated to reflect my current address. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that the information they report is accurate and up to date. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX I noticed that my credit report still lists my old address : 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  To assist with the update, I have enclosed copies of the following documents as proof of my current address : Please update my credit report to reflect this accurate information. Additionally, I request a confirmation once the change has been made. If you require any further information or documentation to process this request, please do not hesitate to contact me at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response in ensuring the accuracy of my credit report.
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 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 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 crime 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.
Product: Debt collection

This company is reporting as a debt owed to an apartment agency on my credit report. I have never lived in that state. During that time I was in college and did not get my first apartment until XXXX. I tried calling the apartment complex for more information but it seems they no longer exist. I asked the debt collector for proof such as ID provided but all I received was a lease which was not signed by me and a list of charges. I have not received any information in regard to who actually signed this lease and was living in the unit. They have also sent payment confirmations which I have went over with my bank and there are no charges for these dates! I have never made a payment from any of my bank accounts to this apartment. Most of the charges are reporting as returned. So its clearly identity theft because the person did not have intent on paying rent from the beginning. Returned charges show on my bank statements and there are none for this date and company. Anyone can sign a piece of paper with anyone name to get an apartment which is why I asked for some type of identification because from my understanding ID must be provided. It seems the lease started on XXXX and starting on XX/XX/XXXX there were return payments for ach. This isnt right. I have never owed an apartment complex. I was in college at that time. I am now trying to buy a house and this is killing me. I have tried calling the debt collector and all they offer is the option to make a payment. I should not have to pay for a debt I do not owe. I should be able to be provided with some type of actual proof such as ID provided or video proof of me coming in and signing a lease. Any one can clearly sign a piece of paper. Again, I tried calling the apartment complex and they have no information since they no longer exist. This is truly unfair.
Product: Mortgage

My mortgage company is Shellpoint. I went into the forbearance plan with the Covid In XX/XX/2020. Since XXXX Ive been trying to get out of the forbearance and resume my payments, they send me a partial claim paperwork to sign fo the total amount XXXX. Since XXXX Ive been trying to sign the paperwork but they keep refusing to letting me know where my partial claim funds are going to be applied to. The only thing they keep telling me, you I didnt pay it on the front and when I finish paying the house to sell it I would pay it in the back. That attitude make me believe that they are just trying to keep the money and then apply to my account. My biggest fear is not me because I am an informed consumer and I keep fighting until I get what I know its right, but most people are not as feisty as I am and I will get that signed the papers and forget about it. I am sending these complain and ask him for a solution, not only for my own personal benefit but for the other people that might be in The same situation, I dont know how to go about it. This company has to be investigated, and I need some answers about my partial claim. I said certainly hope that you can help me to solve this situation. Sincerely XXXX XXXX
Product: Student loan

I was accepted into the Borrowers Defense ( case # XXXX ) as my graduate school which closed suddenly was part of fraudulent practices. Although my loans were forgiven due to public service, I still made over 10 years of student loan payments that are due to be refunded due to the XXXX case. I asked Navient for a school misconduct application for a refund on my one private loan, but was denied as I already paid off the private signature student loan ( under significant hardship to do so ). I believe my payments for this one private loan by XXXX should be refunded as it was taken out to pay for XXXX XXXX school with misconduct action against it due to fraudulent practices. They are forgiving the private loans of those that attended schools with similar claims, but I dont I think should be penalized for paying my loan off already.
Product: Credit reporting

I want Equifax to review the attached letter to this complaint from the Minnesota Department of Human Services. The following account do not belong to me and is the result of identity theft : Minnesota Department of Human Services account ending:XXXX. I want the account deleted from my credit report.