23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called several times ( Weltman, Weinberg and Reis XXXX ) and requested a XXXX for the interest that I paid on my private student loans. XXXX told me that I would have to contact XXXX XXXX XXXX myself and request the form. I asked for a phone number and XXXX stated that the numbers he has are for internal use only and refused to give me any contact information. I have googled the website/phone number for the last few weeks and can not find anything about this XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's like it doesn't exist. I need this form to file my taxes. Weltman, Weinberg and Reis are the ones that I make payments to because XXXX XXXX XXXX sued me and now they handle everything. I also requested a lower payment because I can't afford what they want per month. They tried to garnish my wages because my payment was too low for them. I also asked for copies of all accounts so that I could take my case to an attorney and still have not received it. I really need all of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a Subsection 2, it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666a, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANS UNION, and XXXX ) that I am requesting that they are investigated and removed.
Product: Credit reporting 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  : 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 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 fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Hello, I am one of the customers defrauded through the Wells Fargo consumer protection insurance ( CPI ) program. 
I received a letter in XX/XX/2019 explaining that they had placed the CPI insurance on my vehicle unnecessarily and I was due a refund of {$6200.00}. In addition to the refund it states in the letter that they will repair other damage resulting from the CPI. I have contacted Wells Fargo who insisted the check was on the way and to cash it ASAP. I explained I had received the check but wanted to be sure my loan and bankruptcy was cleared from my credit report. They said to dispute the issue with the credit reporting agency. 
I filed a dispute with XXXX. They confirmed the identity and details of the loan were true, nothing changed. Same thing with the bankruptcy. The loan has not been listed as paid, the negative marks are still there. The bankruptcy is still there. I dont know how to have this cleared and Wells Fargo, as we all know, is wrought with deceit. If I cash the check I will forfeit any possibility of having the damage done to my credit repaired. The affects of the CPI program on my loan, and in turn, my life were devastating. I lost everything trying to keep up with these payments that were forever in arrears. Having to file bankruptcy and ruin my credit to get my vehicle back after being wrongly repossessed. It was pure XXXX for 3+years. Now that it has come to light how devious they are and are obligated to right their wrongs, I want and deserve some justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking XXXX, EXPERIAN and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to XXXX   disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that XXXX VALIDATE that said information was mine. I advised XXXX that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet XXXX still claims the BK Court has CERTIFIED the information is accurate. Advance Resolution Services INC. has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
Product: Student loan

I was XXXX XXXX XXXX when I went to school to become a XXXX XXXX. After deferring my loans, no one explained that I would start occurring interest. Once on a payment plan I owed more than double the loan amount!!! After being told to make so many payments of this amount I was never told I wasn't paying enough for the interest still and my loan amount never moved. After paying more than the original loan amount I still owe over {$10000.00} dollars when the original amount was already paid off. I feel like they have been a predatory loan servicer and I need help!!! Please!!! I am a good human that always does the right thing. I just can not keep battling this. I've called them and gotten I to arguments with them about this loan with no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about XXXX not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX  open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment
Product: Mortgage

This borrower has a loan with Citizens one for which she obtained a loan modification back in XXXX 2016. She fell behind on that loan and was able to use the New York State Mortgage Assistance Program ( NYS-MAP ) to fully reinstate the loan. Soon after she receives a mortgage statement showing additional " recoverable fees '' that were never disclosed previously.In order to complete the NYS-MAP we requested that all fees should be added to the reinstatement quote and these fees are appearing after a reinstatement was done. We have tried reaching out to Citizens One who first acknowledged that there might have been an error to then claim that the fees are justified. Since then no matter how many pressing messages we left it 's been weeks of waiting for an answer, nothing no matter how we turn, they seem to avoid giving a real answer. They keep on calling borrower with different info and can not seem to show why she was given the " new fees '' added to her mortgage after her reinstatement. They try to justify them as Foreclosure fees but home was not in Foreclosure at the time.Therefore there were no need to add the total {$1500.00} fees.
Product: Debt collection

I had a military star credit card with XXXX while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with XXXX comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the XXXX. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the US XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
Product: Checking or savings account

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$190.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Product: Debt collection

Company called with numbers that were unavaible or unknown to me and never left a voicemail identifying who they were. I had been on stress leave and did not have my direct deposit going into my account and each time I bought something on XXXX though I had credit they charge my bank account. And they caused repeated nfc on my bank account.
Product: Checking or savings account

I would like it if I could submit the letter I typed in detail about the problem along with my statement from the bank. 

I deposited a check sent to me from my dad of $ XXXX gave me {$200.00} right away ( XX/XX/2018 ) and told me the funds would be available on XX/XX/2018. 

That didnt happen they keep telling me that the account is restricted yet they closed the atm card, sent me a letter telling me that too along with dont use any check that I still have for the account cancel any direct deposits or auto bill pay they wouldnt let online bill pay go throu yet a transaction for {$270.00} went through after the account was closed and they charge me {$260.00} for check fees after I sent the checks out not knowing what they were going to do. 

They still have my money and wont release them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a second Chase credit card in late 2017. I used the card for a few months, paying off the balance in entirety each month, and then ceased usage of the card entirely. 

The revolving credit account now appears on my credit report, showing that the account was " charged off '', with a final balance of {$500.00}, and several missed payments. 

Chase never sent a paper bill, never called, never emailed, or otherwise attempted to make me aware in any way that the account carried a balance while the account was open ( and, if any transactions were made, I did not make them ). I regularly logged into my Chase account online and regularly observed a balance of {$0.00}. 

I have spent many hours on the phone with Chase over the years attempting to resolve this, to no avail. I'm unable to attach any documentation showing the balance of {$0.00} as the account is closed and I'm no longer able to log in.
Product: Debt collection

I have sent this company a cease and desist. The company has refused to adhere to the federal guidelines by ignoring my request in my attempts well over two years to resolve this matter the company has been found to impose as a collection agencies when it is listed that this company is not legally blinded and or insured to collect in florida. Please have this company cease and desist all activities and this is my last attempt to complain outside of the court of equity. I do not know who this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and TD Bank USA/Targetcred. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

all they want to do is give cfpb some quick answer so they can close the case. you see how they are reading only parts of the dispute and taking things out of context to fit their need. this whole thing is about them not updating my name to my current legal name. i dont see that that part was even addressed at all. cfpb you continue to let them get away with this nonsense it makes no sense. whoever is reviewing these complaints should not be working there they are obviously not doing their jobs. how can they say they checked with the furnisher of the information and they verified it or addressed as as correct. I am the furnisher of the information. So clearly we are not on the same page what is going on here that you keep allowing them to overlook information and not force them to update my information correctly. 

pls see attachement for the complaint/disupute information being request. you see how they continue to address one dispute but not even address the main thing i filed the complaint about. cfpb i am asking you to step in here and not just forward the complaint to them make them abide by the fcra laws. they are supposed to update my information i have and and asked repeatedly but you're not making them do it. what is going on here?
Product: Credit reporting or other personal consumer reports

I retrieved my credit profile. Upon reviewing I noticed several incorrect accounts. I sent a debt validation letter to each of XXXX credit reporting agencies XX/XX/year> regarding late payments accounts in collections and inquiries. I did not receive any response from XXXX regarding my Debt validation letter I sent certified with signature required. XXXX and Transunion did respond with a letter asking for more time to respond to my debt validation letters in which it has now been 60 days over due for a response. I recently sent a Cease and Desist to all XXXX credit agencies on XX/XX/year> and XX/XX/year> demanding to take legal action if the accounts was not resolved by the time given in the Cease and Desist letters.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these account on my credit report and have suggested they be removed from my credit report due to them being fraudulent. I do not have a contract with these companies and I have asked that my credit report be cleared of misinformation.
Product: Mortgage

I requested a copy of the billing statement for the XXXX activity for my account which included payments made to the mortgage as well as the payoff for the refinance of this mortgage to XXXX. I was told that they do not produce a statement for the cycle with which the loan is paid in full. I am not sure that is correct because there is still activity in that period and I wanted to validate that there wasn't a credit refund due on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF  XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXT opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.
Product: Vehicle loan or lease

I opened a vehicle loan in XXXX of XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!
Product: Credit reporting or other personal consumer reports

I received notice from Experian that there was a hard inquiry from XXXX XXXX XXXX XXXX. I did not have any contact with XXXX  and never have. I believe this is fraudulent and possible identity theft.
Product: Debt collection

Received notification that I was in collections for an unpaid medical bill. I moved from XXXX  to XXXX, but not all of my mail was forwarded. I was in contact with XXXX XXXX  XXXX as there was overlap in their billing and my paid deductible. While XXXX had all my contact information they chose not to contact me and sent the debt for collection through PennCredit in XXXX, XXXX. 
Despite what XXXX and my Insurance carrier have provided I wanted to keep my credit in good standing so I agreed to pay $ XXXX. To date I have sent several payments, XXXX was returned by the USPS as undeliverable ( I later confirmed the address was correct ). Penn Credit refuses to change the balance due on my account, my emailed messages to their representative go unanswered and a telephone call initiated by me to solve the issue was interrupted by a supervisor who used bullying tactics so I ended the call. To date no one has contacted to me nor has the balance due changed on my account.
Product: Credit card

I had a credit card with Chase that was opened XX/XX/XXXX. Due to financial hardship and loss of income I fell behind and was unable to pay. XX/XX/XXXX, Chase issued a XXXX c for the Cancellation of Debt and I had to report the amount on my Taxes as income. Chase is still reporting to the Credit Bureaus that I have an outstanding balance and that amount continues to increase. I am attempting to improve my credit and this has impacted me for several years now, even after they cancelled the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Student loan

I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.