23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request - it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX   that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and " ma'am I need to be patient ''. I still haven't heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year 's worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as " overpayments '' as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn't count toward PSLF ). Please please help with this.
Product: Student loan

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.

DEPTOFEDUCATION/NELNET : {$2000.00} {$1200.00} 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX / XXXX, and XXXX are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have three fraudulent inquiries on my equifax credit report, that i have reported to equifax agency and they have yet to delete the incorrect information on my credit file. 

I called several times and when Im not getting anywhere with customer service agent, I than request for a supervisor but of getting to speak with a supervisor the agent placed me in a hold for over an hour. 

The inquiries that are in question are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. Theses failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/year> I was billed for 3 airline tickets. 2 from XXXX XXXX totaling {$490.00} and XXXX from XXXX XXXX for XXXX. Charges I did not make. I called 1st National Bank of Omaha the day they appeared on my online account XX/XX/year>. They took the infomation, canceled the credit card and issued me a new one. The XXXX charge for {$350.00} and XXXX XXXX XXXX charge for {$240.00} had been credited to my account. It has been XXXX billing cycles and over 3 months and fnbo still has not refunded the remaining charge of {$240.00}.
Product: Mortgage

CrossCounty Mortgage. XXXX XXXX XXXX is a scam. They have lied, strung me along, and I have been given misinformation. I was going through a financial hardship and every single time I call this company they not only give you misinformation, you get different answers literally every single time I call, I get different answers. I filled out a forbearance packet in XXXX due to XXXX which was stated with a representative over the phone. I was told from the beginning that my forbearance was going to cover from XXXX forward. It was not. I was told that it would not affect my credit. It did. I was told alot of things, and what ended up happening was the exact opposite. This company scams people and has unfair practices. Someone should pull the call log and look to see how many times I had to call to resolve issues- none of which have been resolved. Someone should pull the call logs and see the lies that the representatives have told, and see the results of what actually happened to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


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

There is nothing reporting on my Experian report. My credit information was reporting on my my Experian credit report last Month and now there is nothing showing on my report. I am purchasing a home and need to be able to show my credit report from all 3 credit bureaus.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of {$3000.00} The collection has been reported as a past due to balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature
Product: Debt collection

On XXXX I received a phone call from XXXX. When I answered and said, " Hello '' they hung up on me. I called them back and the girl informed me they were Frost Arnett Collection Agency and wanted to collect a debt. I asked the girl if she would make a settlement, she said no, so I informed her I did not have the money to cover the complete amount. She tried to press me to give her my employment information. When I refused, she accused me of threatening her. ( Which I did not ) These calls were meant to harass, annoy, and upset me and violate my rights under the fair credit reporting act.
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 U.S.C 1681 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602 A.States I have 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 7years. 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 know or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.
Product: Debt collection

The company Portfolio Recovery has damaged my credit with a out dated, charged off account. This debt was charged off by the original creditor. Portfolio Recovery has repeatedly called and harassed me over the phone and mail. I have disputed the accuracy of the amount and is pass the status of limitations for South Carolina.
Product: Credit card or prepaid card

To date, after insurmountable emails and phone calls to the cred technologies dba cred.ai, an agent of XXXX XXXX, they still refused to abide by the XXXX, XXXX, XXXXXXXX XXXX " NO LIABILITY '' policy of crediting {$3000.00} back to my account due to prompt reporting of UNAUTHORIZED TRANSACTIONS. 

Cred Technologies dba as Cred.Ai, an agent of XXXX XXXX, caused insurmountable financial losses due to their intentional negligence in providing proper protection to my customer deposit account, causing me to lose my home, car, credit worthiness, not only during the 2022 XXXX XXXX but continuing on. 

To date, Cred Technologies dba as Cred.Ai REFUSES to reply in a timely manner, taking 2-3 weeks to reply by email and refuses to have a manager in the USA call me when asked multiple times.
Product: Money transfer, virtual currency, or money service

I was contacted by a mobile phone number posing as Wells Fargo Fraud Department asking if I had authorized a charge for {$800.00} at XXXX XXXX XXXX, I replied no and was told I would be contacted by a representative. I was then called by someone with the same number as the actual Well 's Fargo Fraud Department and was then asked a series of questions in regards to my identity an account information. I unknowingly gave the scammer access codes that I received on my phone to change my online bank account password and as well as my social security number. The scammer then asked for a final code while being told that my account was flagged for a series of fraudulent activities. The last code was to authorize a XXXX Transfer for {$1000.00}, I noticed the text and notified the person on the phone but was assured that it was a part of canceling a charge. I have since contacted my bank to explain the situation. The scammer had already obtained my online login information : username and password, before initiating contact with me and used the actual Wells Fargo 's Fraud Department number to contact me from. This is the only reason I provided the scammer any access codes.
Product: Credit reporting or other personal consumer reports

Basically I bought my house for {$90000.00} in XXXX, after XXXX XXXX I had to litigate the insurance repairs because it was flooded. Finally I got the insurance check but the mortgage company would not let me repair my home unless it was by a licensed contractor, but doing that time there was no contractors because of all the repairs, so I took out another loan for {$140000.00} and let the mortgage company keep the XXXX I had in repairs. Back then the loan was XXXX. In XXXX I did a forbearance for 2 years because I had my house raised due to flooding and ordered by the state of XXXX, this debacle took XXXX years instead of XXXX months as agreed between me the state and the contractor, all due because of Road home taking their deer time in paying these contractors, i was also threatened for not paying some of the contractors doing this time, also i did not have a clear to occupy until XXXX from the city. now my loan is over {$240000.00}.
Product: Debt collection

collection agency is reporting to all 3 bureaus that I owee this unknown debt.I am requesting that the collection agencyprovides that this debt is owed to them and or thatthat the debt is unpaid the debt is unknown and I havenot recieved any communication from either the original creditor or the collection agency.
Product: Credit reporting or other personal consumer reports

My Navy federal loan apr should be showing 2.5 APR. However credit karma has it showing as 50.7. I asked them to remove the incorrect information and show my correct apr of 2.5. They said they investigated and the subscriber disagrees. I then called Navy Federal and asked them did they say this or turn this in the stated that the correct APR is as I stated 2.5. Someone did not really investigate because Navy Federal should have given the same information to them as they did me.
Product: Debt collection

Omega RMS is reporting and attempting to collect on a debt that I absolutely do not owe. It is for XXXX  XXXX XXXX whom I signed up with to help me find a quality person to date. The first person they connected me with is a stalker and still stalking me today! I have a protective order against him and they obviously did n't check his back ground. They put my life at risk! I was told they would adjust the bill. If they do not adjust the bill then I will take legal action as I have already consulted with my attorney.
Product: Credit reporting or other personal consumer reports

Capital One auto is reporting inaccurate on my consumer report. Its showing my account as Late 30 days, with a late payment status. I have never been late on this account. This account was paid off by the dealer ship when I purchased a new car. I recently disputed with the company but there was no thorough investigation. If there was a thorough investigation, it would show I was never late on this account.
Product: Money transfer, virtual currency, or money service

Ive had money stolen from my cashapp a few times and because there was no live support agent or chat feature, there was no answers given nor was my money returned. I have been using cashapp for years and this has been an issue on many different occurrences.
Product: Debt collection

CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX  ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX  and received within ten ( 10 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame, I have made multiple complaints with XXXX and both Equifax to report a company called XXXX XXXX reporting incorrect fraudulent information on my credit report For the last six years XXXX XXXX has been reporting inaccurate to the credit bureaus. Which has affected my credit. XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. This has really impacted me to use my VA benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$110.00}