23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am utilizing fedloan servicing for Public Service Loan Forgiveness. I have direct federal loans. I attended XXXX XXXX College ( XXXX, RI ) and XXXX University and took out both federal and state loans. After graduating from XXXX in XX/XX/XXXX I began the usual deferment and consolidated my loans to federal loans in order to take advantage of the Federal Service Loan Forgiveness Program. From what I remember my loans were originally controlled by XXXX, from there they were transferred to XXXX, and then finally in early XXXX to Fedloan Servicing. 

My entire experience with all 3 companies has been horrible. I have many complaints, however, I will focus on the two most pressing and damaging to my ability to have my loans forgiven in a fair and timely manner, as is my right under this program.

1st complaint : All 3 companies have created issues that had to result in deferment of my loans when processing my income based repayment plant ( IBR ) and when my loans were transferred between companies. To no fault of my own ( delayed processing, errors in processing - ie. using my wife 's income even though I file separately ) I have had to defer my loans for weeks or months at a time. This resulted in increased loan balances due to accrued interest and an inability for me to work towards my 120 payments. Since working with Fedloan Servicing, every single year I have had to have a deferment of a month or so in order for them to properly process my annual IBR application. I have tried everything imaginable to make sure it is processed correctly the first time, however their level of incompetence is incredible. 

2nd complaint : Qualifying payments. I began working for XXXX   XXXX in XX/XX/XXXX ( XXXX XXXX XXXX XXXX   XXXX - XXXX XXXX ). I resigned from XXXX and joined the XXXX XXXX  XXXX in XXXX of XXXX. I submitted my proof of employment to Fedloan servicing for my time spent working for XXXX XXXX. I worked for XXXX for 3 years. However, Fedloan Servicing claimed that I only made 14 qualifying payments during that time. This is utterly untrue. It is possible that due to the deferments, mentioned in complaint 1, that I did not have a full 36 payments, but I certainly had many more than 14. I contacted Fedloan Servicing about this issue numerous times ( starting in XX/XX/XXXX/XX/XX/XXXX when I first received the letter explaining that I only had 14 qualifying payments ) but I never received any explanation. At first they stated that they had no loan history from me from XXXX ( allegedly XXXX did not make them aware of my time with XXXX when they transferred my loans ). Fedloan Servicing stated that they would look into this but never got back to me. I have inquired about the investigation and they have stated that it is ongoing. It has been years at this point and I have still not been able to get to the bottom of this. 

I am hoping that with your help these problems can be rectified. As I am sure you are aware, Fedloan Servicing has been in the national news lately regarding matters listed above. 

Thank You, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a phone call from a Company claiming to call to verify information so that I can be served with Court Papers. The caller claimed that I would be charged with a crime for not paying a payday loan. I dont recall applying for the payday loan and it was from an address that I resided at 7 years ago. The caller claimed that they made every attempt to contact me. I informed the caller that I know longer live in XXXX  and havent lived there since 2012. The caller said that I would be charged for check fraud and I would have to go to Court in XXXX. I now live in XXXX and have been here for over 6 years. The caller will not give me any information on the loan. Like the original loan dates and Current name of the company. The caller did have my social security number, my name and an old address. The number for the company that contacted me is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months of XXXX XXXX and XXXX the mortgage company said that I was late on payments but, I have sent proof and complaints dozens of times proving that I had never missed a payment.
Product: Debt collection

Calling me asking me to pay for a dept from Citibank credit card that was resolved in the bankruptcy XXXX  years ago
Product: Debt collection

This debt just showed up on my credit report today. 
It was first reported by XXXX XXXX XXXX XXXX Now it is in the hands of Caine-wiener. 
The amount is for {$500.00} and from what I understand this is an online betting debt and that is something that i have never done. 
I dont know how to work a computer.
Product: Debt collection

On XX/XX/2019, the collection company Cawley & Bergmann engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.
Product: Debt collection

Acct : DEPTTEDNELNET | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX/XXXX  | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. XXXX  and Transunion both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
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. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts ; 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 usc 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help with XXXX, Experian, XXXX that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX. 
3.XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 
4.XXXX  XXXX  XXXX Experian : XXXX 5.Bankruptcy : Discharged CH-XXXX XXXX : XXXX Experian XXXX XXXX XXXX  : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card from XXXX XXXX XXXX and I paid {$100.00} to secure the debt. I asked the account to be closed and the company said my account was closed and I was denied access to the account. XXXX XXXX  is reporting a past due amount up tp {$260.00}. When I disputed this. XXXX and Transunion updated my report to 0 past due but that there was a charge off of {$100.00} to XXXX the original {$100.00} was suppose to be refunded to me, yet I have not received my {$100.00} and There should have been no reporting of past due or charge off.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/23, my husband and I went into contract and applied for a XXXX mortgage with XXXX XXXX loan officer XXXX XXXX. He requested all document from me which was sent within days. For two weeks, I did not hear from him. I would email him and no response. On XX/XX/2023 after the missed closing date, I emailed him about the negligence practices of the company on handling my application which I cc the corporate headquarters. The same day he reached out stating they were starting another application. I again submitted everything for me and my husband with quotes, income, tax returns and IDs along with a letter stating I am a 100 % XXXX veteran. As of today, the company has ran my credit four times in the timeframe which dropped by credit score by XXXX points. They are now telling me that its still in process and can not give me a closing date. I feel as though they are trying to drop me as a client due to their negligence. I need help. I just experienced the same thing in XXXX with XXXX XXXX XXXX with the loan officer committed fraud with my application and I lost my house because of the timing of notification within 6 days of me closing on another home. Now, we are living in a house with no air and was not ready for tenants to move in but we had no where to go. These mortgages companies do not care about the clients and continue to give us excuses for their inability to do business. Everyone should be accountable for their actions and mistakes.
Product: Debt collection

On XX/XX/XXXX I sent a debt validation to this company to dispute an account they stated I owned them. On XX/XX/XXXX I sent a dispute to the credit bureau regarding this account. On XX/XX/XXXX they replied verifying this account as verified. 

In between periods, this company violated the FCRA ... As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They never reporting to the credit bureaus this account was in dispute. And tried to collect without sent the debt validation requested.
Product: Credit reporting or other personal consumer reports

I paid my vehicle loan off which was verified by Central Atlantic Credit on XX/XX/. Since then I have sent 3 emails reminding them to update my credit report. The email response has been of no impact.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX Date Opened XX/XX/XXXX {$560.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX Date Opened XX/XX/XXXX Balance {$340.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX. 
Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

chase let XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States charge my account i showed them proof i never received the item XXXX XXXX XXXX Manager said it 's not her problem let chase and XXXX handle it
Product: Bank account or service

Wells Fargo refused the release estate account money, with a surrogate form and a death certificate. They insisted I needed an EIN, even though I have an estate account with XXXX XXXX XXXX XXXX XXXX. This is after they lost the POD paper work that would have allowed me to withdraw the funds as the beneficiary.
Product: Checking or savings account

Im still being charged XXXX $ every month from XXXX XXXX even though Im not a member of XXXX XXXX  anymore for more than 6 months now. I keep getting over draft fees because I do not want to keep money in my account because it will get taken every month for a membership I dont even have.!! XXXX XXXX in XXXX XXXX XXXX  XXXX
Product: Debt collection

I have tried several times to dispute this account, but this XXXX XXXX account is still on my report, and negatively affecting my score. 
XXXX XXXX  account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file.
Product: Checking or savings account

On XX/XX/XXXX I disputed a transaction because the merchant advised me to BC they could not refund me without a physical card. They never sent me a physical card. I used XXXX XXXX with my virtual card. The merchant said he wouldnt fight the dispute and would ask them to cancel the transaction. Once I disputed the transaction they said I would receive my provisional credit XX/XX/XXXX. I still havent received my provisional credit. Its not the XXXX and Im going to lose my house. I need my money back. I cant reach anyone and when I do, they say they have escalate the issue and I will be contacted by email momentarily .... its been days and no one has emailed me. I feel like they have stolen my money!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I went to my bank, XXXX XXXX and attempted to withdraw funds from my checking account to pay my XXXX. I was unsuccessful using the atm so I went inside. I waited a long time and saw that the teller had an issue withdrawing my money. The teller gives me a paper that has XXXX, XXXX l, and XXXX 's name, phone number, and extension and explains that they're a XXXX XXXX in XXXX  that garnished my checking account due to a medical debt for a XXXX XXXX  for a XXXX. I've never lived in XXXX  so I asked how they were able to take money out of my account in error and without my authorization. I asked for proof of the XXXX XXXX from XXXX and the teller said they didn't have that info in the branch and to please call XXXX. I called XXXX and kept getting hung up on or on hold for more than an hour. I've sent an email as well. This is inaccurate. I don't owe any XXXX XXXX  in XXXX  or anywhere. The bank will not release my paycheck funds until XXXX removes the garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This medical collections need to be deleted/Removed Off My Transunion credit report due too hippa violation there is no Right to Revoke Clause form attached any of my medical papers!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of the credit bureaus don't allow me to get my once a year free credit report. They state they can not provide the report online and advise me to request via mail to the addresses below. I send the letetrs and they do not respond nor send me the report. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX  TX XXXX
Product: Checking or savings account

( This is a long standing problem ) 1 ) I attempted to use my credit card but it was refused ; the error code was " fraud '' 2 ) After arriving home, I contacted nfcu, fraud department I gave all information to verify my identity ( they confirmed this ) and nfcu requested to know " how can we help you? '' 3 ) I asked them to explain the reason for the FRAUD error and they insisted that they must TEXT/SMS me a code in order to carry on with the call.

4 ) I explained that I do not use TXT/SMS on my phone, as I see it as inherently unsecure, I requested if be sent another way, such as email ( my email provider is PROTONMAIL and considered highly secure ) 5 ) After they became abusive, they ended the call and subsequently locked my account ( via APP and WEB ) ( also, any calls are immediately ended after I have used their system to verify my identity but before a rep speaks to me. 

* ALL CALLS WERE RECORDED BY ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax was notified via certified mail to formally investigate all accounts reporting on my consumer report. That correspondence is attached with this complaint. Equifax responded with valid reporting. Another dispute was submitted on XX/XX/XXXX on behalf of XXXX XXXX reporting incorrectly Confirmation number : XXXX. That report came back as updated. On XX/XX/XXXX I called equifax and informed them XXXX XXXX  has sold the account and therefore reporting inaccurately. Confirmation number : XXXX. The agent informed me the account would be deleted. No results were submitted to me upon the investigation. Photo in this complaint. On XX/XX/XXXX another dispute was submitted for inaccuracy and on XX/XX/XXXX the account again was updated Confirmation number : XXXX. 

The account above mentioned has been sold. Reporting as it belongs to me when it has been sold to another entity. I have no knowledge of. Therefore equifax continues to violate my FCRA rights 15 U.S. Code 1681. In the documentation the evidence XXXX and XXXX deleted from my consumer report because the account has been sold. 

I called equifax on XX/XX/XXXX to ask for an explanation on why they continue to break the law. Upon speaking with an agent. Submitting my license via an online portal and submitting a selfie the representative informed me he could verify my identity. Which is frivolous. Equifax is strong arming and delaying the process to hold it accountable for reporting accurately which violates my FCRA rights. Proof of identity, and address will be provided in this complaint to prevent any further delay into this matter.
Product: Checking or savings account

I received my disability check # XXXX the amount of {$3200.00} due to getting injured at work. This is a business check which is drafted from XXXX XXXX Bank. I also have direct deposit from my employer every 2 weeks, with the next XXXX being XX/XX/XXXX. I made a mobile deposit into my Chase Bank checking account on XX/XX/XXXX. After reviewing my account on XX/XX/XXXX, Chase shows my funds would be available on XX/XX/XXXX. I have bills I need to pay, this is not a personal check. Why is it that Chase Bank is taking 2 weeks to clear a business check?
Product: Credit card

I'm in the XXXX and the offer an program where there is no fees, late, return payment fees. But there is still charging me and over charging me. 

Buckle credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!