23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am missing payment counts from XXXX on all my direct loans serviced by FedLoans, and qualify for PSLF. FedLoans says the months were ineligible because no bill was generated. Due to my XXXX income from the year before, I would have $ 0 monthly payments through this time period. I have contacted customer service many times through this process, only to be told that it is under review and to wait longer. It has now been almost two years. My payment count with FedLoans has literally never been correct despite XXXX yearly, working for a qualified employer, having PSLF-qualified direct loans, and never missing a payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you continuing to report this account when I notified you that the company has agreed to remove it from my credit report? You failed to conduct an investigation, even when I sent proof that my identity was stolen as well as the debt delete letter from the company. XXXX has since removed this account, yet you are still reporting it when all data furnished should be consistent. If this is not removed from my credit report within 7 days, I will be seeking monetary compensation and taking this to small claims court due to negligence and violation of the FCRA.
Product: Debt collection

XXXX XXXX  has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to my credit.
Product: Mortgage

Penny Mac stated that we are no longer in the short sale process and that it was denied. We asked for them to do an interior appraisal where the XXXX can see the repairs needed and they did not want to order a new one, the amount they are asking is not possible now that the roof is leaking and XXXX of the room ceilings is caved in because this is taking too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally direct has been a nightmare. Two issues. 

First, they lost a payment I made. I said all documentation and this was never corrected. Customer service representatives were belligerent and completely unhelpful. 

Second, when they received the payoff from the automotive dealer when I traded in my car, they took forever to post payment and then did not back date it to the correct date. This has caused my account to report 30  days late, dropping my credit score over 65 points. I have not had a payment 30  days late and over 10  years. 

I believe Ally Direct 's systemic negligence and complete lack of care for consumers cause this problem. I have many recorded phone calls supporting my position. It is frankly, for a lack of a better word, mind-blowing! 

I demand that my account be corrected immediately and that immediate updated reporting the made to all major credit bureaus reflecting this account was never 30  days late. 

Everybody threatened legal action. I am not making such a threat. I am making such a promise if this is not rectified immediately. 

Once this has been corrected and Ally direct has issued a written apology, I will consider this matter closed.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report, and In accordance with the Fair Credit Reporting Act the Accounts listed below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX  Acct # XXXX ( XXXX ), XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions. 15 U.S.C. 1681a-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. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

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 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Re XXXX Removal of XXXX XXXX Credit Card Account ( XXXX ) and removal of negative comments ( i.e. collections ) from XXXX, XXXX, & Equifax credit report. 

In XX/XX/XXXX, I contacted XXXX XXXX to remove my account from their system & contact : XXXX, XXXX, and Equifax requesting my credit file be deleted from their system. According to XXXX XXXX, they can not locate my account. Additionally, I this account has been closed since 2018. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments.

Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 
On XX/XX/XXXX, XXXX deleted and removed XXXX XXXX XXXX XXXX ( i.e. item ) from my credit report. 

I ask that your company follow suit as XXXX has done by deleting and removing XXXX XXXX XXXX XXXX from my credit report and/or your database. ( see attached exhibit A ) See attached documents
Product: Credit reporting or other personal consumer reports

I am filing this complaint pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) to request that Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This false and fraudulent account consist of a utility account that was opened on or about XX/XX/year> by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This account is Fraudulent! I have never had an account with them nor the original creditor XXXX XXXX.
Product: Debt collection

This company Avante USA has been harassing me in regards to an account that is over XXXX  years old and was included in 2 different bankruptcy one in XXXX  an the other in XXXX the statue of limitation has well over pasted on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been locked out of my Experian reporting. I have a paid membership and answer all my sign in questions. After entering my login info, I'm subsequently redirected to a page with a contact number and PO box . I called their customer service line countless times and it hangs up on me after every prompt. I've used each phone option that is offered. I have a paid membership and have been locked out of my account, and can't access information. I wanted to receive a copy of my reporr and am unable to do so. Furthermore I wanted to freeze my account due to suspicious activity and I can't do so without access to my account and their phone number is not helping. They want me to send info to a PO box but this is a security issue and have been given no info on how the information will be processed. Credit reporting is a necessary financial tool and I'm upset at the amount of disorganization and hurdles must be gone through just to access this necessary tool.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with TransUnion and XXXX XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. XXXX continues to change account #. Currently XXXX reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.
Product: Debt collection

We received your complaint. Thank you. 

This creditor XXXX XXXX have violated my rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 1. ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having a jurisdiction to issue such an order, or subpoena issued in connection with proceedings before a final grand jury.

( 2. ) In accordance with the written instructions of the consumer whom it relates. ( b ) intends to use the information for employment purposes. D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. 
Im attaching the required FTC Report, Identity Theft Victim Assistance Affidavit and my Police Report that I filed on my local Police Department for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! XXXX XXXX XXXX Date Opened : XXXX  Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts that i put in template has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 supposed to modify accounts that aren't reporting correctly. To remove.
Product: Credit card

Discover Card, after their initial provisional chargeback credit, reversed their decision in merchant 's favor. Then, upon presenting incontrovertible evidence, they re-decided in my favor. Based upon fraudulent representations and so-called policies which were never presented to cardholder and which were certainly never agreed to or even seen, Discover incorrectly re-decided against cardholder. Merchant was untimely. Merchant presented irrelevant, unilateral, and fraudulent documentation. Cardholder then presented even more overwhelming evidence against merchant, but Discover decided to be a mere merchant lapdog. XXXX XXXX ( XXXX ) charged cardholder for services not only which were not satisfactory, but cardholder maintains were fraudulently never even rendered. Discover has not followed their own Dispute Rules Manual and other dispute procedures which is posted online. Discover is not in compliance with Regulation Z of the Truth in Lending Act and/or Regulation E of the Electronic Fund Transfers Act, as applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.
Product: Student loan

HI All, I have been trying to get in contact with the customer service team at MOHELA, which is a student loan provider. They are unattainable and their wait times are hours long. I have waited 3 + hours on the phone. No one responds and the line just suddenly cuts out. 
My complains are urgent. This is very frustrating, it has been days and I have not been able to get to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Navient went into my account and fraudulently changed my positive account to negative.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I reached out to a company explaining that there are some items on my credit report that wasn't approved by myself. They didn't assist me properly with resolving the issue
Product: Checking or savings account

I've called Netspend numerous times about multiple deposits missing out of my account.They refuse to look up the ACH ID TRACE NUMBERS for these missing deposits.XXXX XXXXXXXX I've called them for missing deposits and Today XX/XX/XXXX I've also called them for more missing deposits.How am I going to get my money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint about Experian. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. XXXX XXXX XXXX claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from Experian saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed from my credit report.
Product: Credit reporting or other personal consumer reports

I was sued in court by XXXX XXXX XXXX on behalf of XXXX XXXX and I had to Hire an attorney to work on my behalf and I paid them in full the full {$2900.00} and received a settled in full with a {$0.00} balance. However once it was updated with three credit bureaus they updated it as owing {$330.00}. My lawyer informed me this will be updated to {$0.00} once paid in full and XXXX XXXX XXXX stated the same information. I called XXXX and they are trying to make me pay more money!!!! This is seeming very scammy and I need this updated as this is hindering me from getting a house and I am a business owner and they are questioning this as I am getting business credit for my business.
Product: Debt collection

Harris & Harris debt collectors.

Debt is not mine.

Daily auotmated phone calls at my place of work. weekends, too.

No one is available to speak to, to resolve issue.

They've been calling for 3 yrs.
Product: Debt collection

Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX  and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX hit me with hard credit inquiries and it said on application it wouldn't affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian website shows conflicting data on my credit. One page shows that I have a potentially negative item that is a late payment on a mortgage. That was cleared up by XXXX. XXXX notified the credit agencies, and Experian updated the payment history on my account to reflect no late payments. However, they did not update the negative items on my credit. It is no longer a negative item and should be removed as a negative item. When Experian looks in to the issue they will show that there aren't any negative items to update. That is correct, but their pages do not reflect that. I can provide attachments to show this.
Product: Credit card

I had a credit card from Kohls Department store that was charged off. The amount owed that 's displaying on my recent credit report is untrue and inaccurate. XXXX different amounts due are be displayed. I never received any letters or notification that this account has been charged off and closed, including a large amount of past due that I 'm unaware of. I believe Kohls Department store purposely distorted the balance on their company 's behalf and now I have to suffer consequences that are untrue to me. I feel upset and in distraught and this balance due to not threaten me to have future occurrences hold me back from increasing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I filled out a form on XXXX XXXX  to look at having my vehicle loan refinanced. XXXX XXXX   indicates that they do not do a hard credit pull on your credit report when doing this. I even spoke with a lender through XXXX XXXX that said they should not have pulled any hard inquiries at all and I should report it. I did receive an alert that a company called Flagship Credit ran a hard inquiry today XX/XX/20 without my knowledge or consent. I have never spoken to anyone from this company nor do I know anything about it. I assume they got my information from XXXX XXXX. I want this removed as I never gave permission and it was done without my knowledge.
Product: Credit reporting

I have a credit card account with XXXX and it is report as 30 days late, this account was never paid late.
Product: Credit card or prepaid card

I filed a complaint in regards to being a victim of identity theft. Capital One has disregarded my request on 5 occasions. On my last complaint, I advised that I was a victim of identity theft and that checking account and credit card were opened under my name. Capital One has replied stating the information showing in " public record '' matches what shows on the Capital One account. The address XXXX XXXX XXXX XXXX XXXX, CA which is a business that closed down. I attached proof. The two number that was given number shows under my name and reads under an XXXX XXXX. Capital One did no research to prove that no identity theft happened. I am not responsible for this account and it needs tto be removed off my record with Capital One immediately. Capital One has referred to Collection agency ( they already investigated and as Capital One it was identity theft. I have already submitted a copy of the police report and FTC report.