23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2021 first mark services took over my student loan from XXXX XXXX, they bought out my student loan as XXXX XXXX did away with all private student loans. XXXX XXXX told me, as well as first mark services, that my account would stay the same, interest rate and payment. I have a military interest rate on my account per my agreement and signing of documents through XXXX  XXXX. That was supposed to all transfer over since my loan was bought out, not new. However, first XXXX XXXX ( account # XXXX ) will not apply this, they are trying to change my loan they bought out to the interest rate and payment they want to. This has increased my payment and interest rate and it has been effecting my credit negatively since XX/XX/2021. I have called multiple times to get this corrected and have even spoke to our military JAG attorney. I have no processed with the attorney but I feel that is my next step. The last woman I spoke to from first XXXX XXXX told me she would submit my request and complaint and she sees no reason I shouldn't have my loan all remaining the same, interest and payment, but she did not have the access to change it herself. That was two months ago and nothing has changed. Please help me get them to resolve this issue. They bought out my loan without my consent and without me signing anything and want to change my original contract I SIGNED and AGREED to with XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I miss me Suncoast CU Credit Card on my XXXX Credit Report. 
I disputed over the Internet with XXXX, without a result. 
I called since XX/XX/XXXX with XXXX and Suncoast CU back and forth. 
XXXX told me is Suncoast 's fault, Suncoast told me is XXXX 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an AUD # XXXX from Suncoast CU and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX XXXX because they send me a Report XXXX. XXXX I should call XXXX. They told me they don't get updated from Suncoast CU. 
Suncoast CU told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my Suncoast CU Credit Card on their XXXX XXXX.
Product: Mortgage

The Pentagon Federal Credit Union has deliberately " re-aged '' XXXX of my old credit accounts and illegally changed the Date of First Delinquency to a later date causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
I submitted a dispute to the Credit Union where I provided undeniable evidence that the Delinquency was more than XXXX years old and should have therefore been deleted from my credit file, according to the Fair Credit Reporting Act ( FCRA ). The evidence particularly included Credit Union 's own prior letters in which they clearly indicated that the Delinquency occurred more than 7 years ago. 
Nevertheless, the Pentagon Federal Credit Union completely ignored such evidence and maintained that their records and information they report to credit agencies are correct. The Credit Union has also refused to change the information on my credit report. 
The continuous reporting of the incorrect information unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
Product: Student loan

In XX/XX/XXXX, I applied to be moved from SAVE to the PAYE repayment plan. During the processing, I was supposed to be placed into the processing forbearance, that counts towards PSLF. I received notice on XX/XX/XXXX that I was placed into this as of XX/XX/XXXX. However, the next day my loan status updated online and I am no longer correctly in the processing forbearance. My loans are listed as in repayment under the SAVE program. I checked on the studentaid.gov website, and XXXX and XXXX are not listed as qualifying for PSLF payments. I have tired to contact MOHELA and have this corrected. However, multiple times I have waited 3+ hours for a call back, just to then be transferred to speak to an advanced agent. After being placed back on hold for the transfer with an estimated wait time of 4+ hours, the call eventually is dropped. 
I have attached the documents I received stating my account was in the processing forbearance as of XX/XX/XXXX, and current account screenshots that show this is not the case, as the the status is " in repayment ''.
Product: Debt collection

I have asked this company to send me the contract saying I owe them and they keep ignoring my request. This account was deleted off my credit report before then it came back and now they have someone else reporting this same balance along with them. So now it looks like I owe multiple people. They cant do that.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

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

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

HI Someone made a loans in my name from the company XXXX AFFIRM INC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 


I sent a letter XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE XXXX SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.
Product: Debt collection

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them and find out what this collection even is. It's been over 30 days .They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.
Product: Debt collection

This company RGS Financial which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I sent {$15.00} towards a {$100.00} deposit for a room to rent. On XX/XX/24 I sent the remaining {$85.00}. I tried to contact thr recipient and realized it was a scam once I couldn't get in touch with them. I contacted Cash App support to let them know the person I sent the money to was a scammer and they still refused to refund the transaction.
Product: Vehicle loan or lease

Subject : Formal Complaint Regarding Breach of Contract and Wrongful Vehicle Possession by Westlake Portfolio Management To Whom It XXXX Concern : I am writing to formally file a complaint against Westlake Portfolio Management regarding the wrongful repossession of my vehicle after a single missed payment. This action constitutes a breach of contract and unfair business practices. 
Summary of the Issue : XXXX. Wrongful Possession of Vehicle on XX/XX/year> : The vehicle was repossessed after only XXXX missed payment, without proper notice or adherence to contractual terms regarding repossession. 
XXXX. Inconsistent Payment Amounts Provided : I have been given XXXX different amount to redeem vehicle within the last XXXX days, creating confusion and preventing resolution of the issue. The amounts were {$440.00} by XXXX XXXX, {$10000.00}, {$11000.00}, {$720.00} by XXXX then {$4000.00} XXXX. Urgent Need for the Vehicle : I depend on this vehicle for essential daily activities, taking my daughter that I have custody of to and from school everyday, including employment and personal responsibilities, making this repossession extremely disruptive. 
XXXX. Failure to Resolve the Issue : Attempts to resolve this matter have been unproductive, as no clear or consistent communication has been provided. Despite my willingness to rectify the missed payment, the company has refused to offer a reasonable resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 u s c 1681 section 602 A states i have the right to privacy 15 u s c 1681 section 604 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the fair credit reporting act convergent XXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$54.00} XXXX  XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Product: Credit card or prepaid card

Citibank has falsely claimed that this dispute involved a third party due to me using a different email address with the cfpb than with them. I have 2 recorded calls from citi that say that they do not need to have my email address to verify me and that no additional information was needed from me to follow-up with the cfpb complaints. 

This is new information associated with complaints XXXX, XXXX, XXXX, and XXXX. The OCC asked me to file this complaint here. I filed a good faith chargeback dispute as is my right under 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, section 1666 ( b ) ( 3 ) This dispute is being filed with the OCC intentionally. Citibank, NA is violating The Fair Credit Billing Act ( FCBA ) of 1974 and it is the OCCs obligation to ensure Citibank is in compliance with applicable laws and regulations. This is not a CFPB customer dispute. I am not looking for you do resolve my personal dispute. I am asking that you hold Citibank accountable for violating the law. They are back dating documents, providing false and misleading statements, refusing to provide any information to customers during their dispute process, do not have a clearly defined charge back process outside of government accounts, claim to not receive documents, re date documents received, mis process documents repeatedly, show the disputed balance as due prior to their resolution, and provide outdated and contradicting information on their app vs their website. The first complaint was fraudulently closed by claiming they needed my authorization to speak to me - saying there was a third part involved. That is not true. Citi bank says they responded to the complaint, but there is no
Product: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX money was taken out of my account without authorization. I called and was told that there was no way to revert the funds. This money was owed to me by an old employer and was going to be used to pay bills my husband had to pay while waiting on these funds. I had set up arrangements with Navy Fed who advised that I could call them back if I was unable to find employment. I am still unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.
Product: Debt collection

I was given a summons in directly they gave it to the receptionist at my work who in turn eventually gave it to me. Then they went ahead and proceeded with the judgement against me and then a lien and a writ of execution. This debt is more than 10 years old. I believe the original debt was like two thousand and {$3000.00} and now they're saying it's almost 10 thousand after collection fees and interest accrued daily. I just lost my home in the camp fire couple years ago and I have received a work comp settlement and I'm concerned that they're going to go ahead and renew their writ of execution in judgment and try to freeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I  request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

This unscrupulous bank operates widely as credit card services for stores like XXXX XXXX, XXXX, XXXX, XXXX and others. They claim to mail statements and dont, then charge late fees. I opened a card in a XXXX XXXX store on a {$99.00} purchase to get a free gift they offered. I only used the card for that one purchase. I didnt receive a bill until 2 months later and it included a {$25.00} late fee. I disputed this fee, closed the account and was told the late fee would be credited. It wasnt. The next month I received a bill that charged interest on their late fee. I called again, got nowhere with them and decided to just pay the now {$29.00} bill so I wouldnt have to deal with them anymore. The next month I received a bill that showed my payment, and an additional {$1.00} minimum charge plus another {$25.00} late fee. They claim to have received my payment one day after the due date. This can not be true as I mailed it 10 days before the due date. So now I am filing complaints with consumer affairs as I am sure there are thousands of consumers being mistreated by this company. 
I have since XXXX this company and discovered many complaints exactly like mine. I dont understand how these people are allowed to operate this way.
Product: Student loan

I received a letter that I am sure is a scam because I don't have a student loan, and I haven't had one since the late XXXX. This came in an envelope that looked just like it would come from the U.S. Dept of Education/Navient, but I'm reasonably certain it must not have because of the aforementioned fact that I don't have any outstanding student loan debt. It claimed that I had taken out two loans in XXXX and one in XXXX and that these are currently unpaid, and it was claiming they've applied a temporary disaster relief forbearance on these nonexistent loans. I am not writing because I'm afraid I owe money but rather, I don't want others to be somehow defrauded by whoever this is. I'm fairly certain it isn't actually Navient. Are you the people I would contact, or would I send a complaint to my local police? I just want to make sure others aren't taken in by this.
Product: Credit reporting or other personal consumer reports

I reached out to Experian and informed them that I discovered a XXXX on my credit report and Experian responded by informing me that the original creditor provided them with the information. This is false because the Federal Government is the original creditor and does not report bankruptcies which means Experian was not honest about how they obtained the information to report a XXXX.