23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact Equifax, XXXX, and XXXX  to see what they can do but I have yet to get any answers about what can be done.
Product: Payday loan, title loan, or personal loan

This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a   XXXX   dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information?
Hoping you could help me out with that info?
If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting wrong information to Equifax and XXXX. Date of XXXX XXXX XX/XX/XXXX, but shows account was opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX and Equifax and XXXX and account still shows incorrect information. And no verification of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Received a voice mail at my place of employment from ( XXXX ) XXXX on XXXX XXXX, 2015 at XXXX. Message was " This is XXXX XXXX ( Spelling? ) you were listed as a contact for XXXX XXXX. If you can give me a call back my number is ( XXXX ) XXXX. First of all XXXX XXXX is my ex-sister-in-law going back XXXX years ago. Second of all she never listed me as a contact and doesnt even know my work number. I called this number back and advised them to never call my employer again and told them I am not affiliated with XXXX XXXX. I did private message her on XXXX to advise her of this call and she was going to call them. How dare they call me about someone else 's debt. How dare they call my phone at work. They lied when they said she listed me as a contact. She never did. We have no contact outside of the private message I sent her about this call.
Product: Vehicle loan or lease

My initial complaint ( # XXXX ) was responded to me by US Bank. In their response to me they state in paragraph 2 " This fee would have also been removed if the dealership had purchased the vehicle from US Bank at the end of the lease term. Our records confirm that the dealership did not purchase the lease vehicle, and it was returned to the possession of US Bank. '' ( I have attached a copy of that letter ). I am also attaching a copy of my sales receipt showing that the vehicle was " traded-in '', a copy of the payoff sheet to US Bank, and a copy of the check payment made to them from the dealership. The documentation I provided clearly states that US Bank was not truthful in their correspondence to me and I would expect a refund of the {$20.00} payment that I did make to them in good faith while waiting for reconciliation of this matter.
Product: Debt collection

I had a XXXX student loan with citizens bank, it had been turned over to collection when they were not able to reach me so the gave it back to citizens who in turn just took the funds directly out of my checking without sending me any final notice. They said because it was in my original disclosures when I received the loan back in 2012 they are under no obligation to send me a final notice or warning of action. 

Now I am experiencing a financial hardship because they have taken most of my funds and I am unable to meet my other financial obligations. 

If they sent me a notice stating you have until XXXX XXXX, or we will take the full amount from your account I would have reached out to them. Instead I find out when I check my bank account.
Product: Debt collection

Never received a bill for original debt. XXXX XXXX XXXX XXXX, XXXX MS XXXX alleges that they mailed more than one bill to our home in FL.Because of Covid 19 concerns we were staying in MS. We had arranged mail forwarding with USPS but some of our mail disappeared or was returned to sender. We pay most of our bills online with paperless billing. I discovered that in XXXX XXXX XXXX had referred a {$90.00} charge to a collection agency known as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX.I did not discover this information until XXXX XXXX. Again I Have yet to receive a bill from XXXX or XXXX. They filed a negative report with the credit agencies that has negatively impacted my credit score and my ability to go forward with a mortgage re-finance application. On XXXX I called XXXX 's billing dept and offered to pay the {$90.00} bill. They refused to allow me to pay the bill, saying that the matter was now out of their hands. I will never pay a collection agency for a bill I don't owe them. I will gladly pay XXXX the amount I owe if given the opportunity.
Product: Student loan

I have worked for a XXXX XXXX XXXX for about 18 years and should qualify for Public Service Loan Forgiveness. I have been paying on my loans for about 6 years. In XX/XX/XXXX I sent in an employment verification form certifying my years of public service, and my loans were moved to XXXX XXXX. In two years, I have not received verification of my qualifying payments. I called them about this is XXXX and they said it was weird. They put in an expidited review order and said it should be complete in 48 hours and I would get a letter. I still have not received anything. According to my records I have about 60 qualifying payments. The woman I spoke to on the phone in XXXX said I have way less than that. She listed a number of long forebearances that I did not take. I have bank records showing all my payments. Ive only ever made automatic payments that the loan services said were due. Im not sure what my next steps are. I have done everything right for PSLF yet I cant get anything in writing showing where I stand.
Product: Checking or savings account

XXXX Getting a fraud alert doing something I do almost every day and for which there is supposed to be a note in my file. Citibank is marking my XXXX purchases as fraudulent. I buy a lot of books.almost every day because I read a, lot of books. 80 this year so far. So this is NOT unusual activity on my account. And when I called about it they wanted data I had already input. SS number, pin, account number, atm card and my password. Plus my mother 's maiden name. Only 2 of those should have been enough for something they never should have denied in the first place.
Product: Credit reporting or other personal consumer reports

I have sent several letters explaining that I do not work for XXXX or XXXX XXXX. Please remove any employer on my credit report. Im currently unemployed and not working for anyone. Please remove ASAP per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I never heard of Clarity services not until I was trying to get an approval for furniture that I need for my new house. They are reporting inaccurate report about me to the company I was trying to get credit with. I called them to ask why that my bank account that I have since 8 years is not accurate as they said and they told me that at times it is because of military services which do n't make any sense. They need to remove fro they file because I do n't know who they are and they are being paid to report negative items on individual 's credit profile.
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Clarity services is a ripoff and they are reporting XXXX report so the same report is reported twice on my credit file. Shame on you.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 or other personal consumer reports

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : -TDRCS/RAYMOUR & FLANIG. Opened XX/XX/year> XXXX {$8000.00} XXXX XXXX. Opened XX/XX/year> XXXX {$2200.00} -XXXX  XXXX. XXXX XXXX Balance {$21000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Product: Student loan

I have XXXX different privet student loans currently own by Navient. XXXX of XXXX loans are small loans. I only have concern third loan originally was {$25000.00}. I took this big loan on XXXX 2009. I have been paying this loan since I took the loan. Last XXXX I asked Navient to release co-singer for the loan since I never late pay or missed payment for last 8 years and it 's reasonable request to release the co-signer at this time. They denied my request in ground of my obligation more than my income. I asked clarification if they are saying my monthly obligation higher than my monthly income. After I proof for them my current monthly total obligation ( {$1200.00} ) way less than my current monthly gross income ( {$3000.00} ), they change the reason of denial to my total loan is to high. Yes my total student loan is close to half XXXX because I went medical school and almost all loan is federal loan. Since I wo n't start to pay my Federal student loan XXXX or four years from now before I finish residency, I do n't think it matter much for Navient loan since the term of the loan is less than five years from now. 

In short, I do believe Navient giving all kind of reasons to denied me simple request to release my co-signer while I have more than XXXX credit score and regularly making my monthly payment. 

Best, XXXX XXXX
Product: Checking or savings account

My account was hacked by hackers to send themself money from CHIME BANK. The scammers name was XXXX XXXX. They took XXXX XXXX They were XXXX XXXX posers and when I put my card information in there my money was stolen. No products, no sellers, just scams. I contacted CHIME BANK and after a few months of dispute requests they would not help.
Product: Debt collection

In XXXX I lost my job, transportation went out on me and had a hardship that I couldn't recover. 

This debt and negative reporting every month from XXXX - XXXX has negatively affected my employment options.
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report, I am appalled at the credit agency repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. TansUnion, Equifax and Experians negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, All 3 listed above credit agencies are legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : Please remove unauthorized inquiries. 

Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. All XXXX credit agency must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. All XXXX credit agencies ( TransUnion, XXXX, XXXX ) continued inaction has already caused harm and is a direct violation of my rights under the FCRA. For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MA XXXX Failed to contact me about a debt, has no record of contact. I called today after noticing collection on credit report, and verified that they have no record of having contacted me. 

Claims to be in relation to a gas bill. Can't find record with XXXX XXXX.
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. 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. 

Creditor Name : US DEPT OF EDUCATION Address : XXXX XXXX XXXX XXXX TX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT OF EDXXXX Address : XXXX XXXX XXXX XXXX  XXXX, IA XXXX Amount : XXXX - {$54000.00} . XXXX - {$54000.00} EXPERIAN - {$30000.00} Dates last REPORTED : XXXX - XX/XX/XXXX EXPERIAN - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called.XXXX  and explained that some one else information was on my report. The wrong phone number is on the account and I can not access my report. XXXX is compromised and I have identity theft and I asking that all information be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Student loan

In a recent attempt to finalize re-payment options for my student loan with Navient Solutions, I was told that there was a second loan which had not been accounted for in addition to my current loan that shows a balance of {$2800.00}. When I inquired about this second loan I was told that it was a larger loan with a balance of around {$11000.00} and that I needed to address this XXXX as well or I could be facing possible action and even wage garnishes. I informed the Navient representative that I did not want to accept any unknown loan without seeing paperwork regarding this " new '' account. 

I have been making payments on my account since XXXX, formerly through XXXX XXXX, and since then I have made an estimated {$10000.00} in documented payments throughout the life of the loan. 

I would like to submit a request for hard copies from Navient Solutions , Inc. of any and all paperwork having to do with my current student loan information, as well as any and all paperwork having to do with the second loan in question which shows an estimated balance of roughly {$11000.00}. In addition to that, I would also like to request any and all paperwork regarding any loans that are associated with my social security number ending in XXXX that are currently under their possession as well as any third party agency representing Navient such as XXXX XXXX XXXX , XXXX. or any other company alike. 

I would like to conclude by stating that on XXXX XXXX, XXXX, I provided a power of attorney to appoint XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX to serve as my agent in an attempt to collect this information from Navient. Since then nothing has been sent by Navient to them or to myself. 
Thank you
Product: Credit reporting or other personal consumer reports

I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XXXX XXXX They sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent THREE CERTIFIED LETTERS advising there are numerous inquiries that were not authorized and fraudulent and Transunion continues to not only ignore my certified letters and not respond they still refuse to remove the inquiries I did not authorize that is having a negative effect on my credit rating. I have sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Rushmore Loan Management Services, LLC. Rushmore falsely reported my mortgage payment history to the Bankruptcy Court. Rushmore knowingly and falsely reported this information on my mortgage loan to the Bankruptcy trustee on the official Form XXXX which is a final response to cure payment. 

I 'm providing the official XXXX form completed by the Rushmore employee. Please note, I highlighted where they reported I was 3 months in default for post petition payments. As we both know, this is a very serious matter. It is fraud on the court. 

I 'm also providing the copy of payment history. The payments for those dates were n't missed as they are reported on Rushmore 's own payment history records. 

I believe that because there have been so many errors, I am a targeted individual for Rushmore Loan Management Services. I  have called and requested they fix this error but they have not. They knowingly did this. The court closed the case upon the response. I am not paying court fees when this was negligent and intentional on Rushmore 's behalf. 

I want this reported correctly to the Trustee of the Court. I also find that Rushmore assessed with fines that appropriate under the Fair Credit Act.
Regards, XXXX XXXX