23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been a federal employee at the US Department XXXX XXXX continuously since XXXX. I am one of the people who originally applied for Public Service Loan Forgiveness in XXXX when it came into effect and was given false : illegal information then by my service provider about which repayment plans I could use. When I then sought to collect in XXXX after XXXX on-time, full payments I was again given wrong information and told I do not qualify for PSLF due to being in the wrong repayment program. When the PSLF Waiver was announced on XX/XX/XXXX, I applied immediately and all of my paperwork was completed and submitted by XXXX. Since then, I have spent. I less than 35 hours on hold trying to contact someone to find out the status of my application - confirm receipt, ask how we will be notified, see if anything is missing, etc. I have also checked at all of their online locations to try to get information, but just shows as pending. In all of the XXXX times I have called for information from XXXX or Dept. Of Education, no one has ever answered the phone. After an hour today I got through to XXXX # XXXX at XXXX explained I was calling about the waiver and had already been on hold for over an hour and have called multiple times and she promptly told me there is nothing she can do but send me to a waiver specialist at an unadvertised number. I told her no one ever answers that number and she said it is the only thing available. After being on hold there for another 75 minutes, still no one has answered. It is the same routine every day and in all the dozen+ times I have called in no one has ever answered. These so-called waiver specialists DO NOT EXIST. The providers are still playing games and trying to make it impossible for us to collect on the waiver and original PSLF as we are entitled!! I have served this country for almost 20 years, including a tour of duty in XXXX, and cant believe that public servants like me are being treated this way by these crooks. Meanwhile, they did transfer my loans from XXXX to XXXX, so what the heck is happening with my waiver application? 

I sincerely hope there will be some accountability on this issue. My loans should have been completely forgiven in XXXX and yet here we are still dealing with this same nonsense and buffoonery as I still dish out hundreds of dollars a month that I shouldnt have to pay. Its criminal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX THE FURNISHING ON THIS ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA, ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit card

On XX/XX/year> I had opened my first fraud claim with my bank for the amount of {$3400.00} because the card wasnt under my possession ( meaning it was lost/ stolen ) it was used for multiple charges out side of my state. I had requested a new card and received it then activated it. My bank closed the dispute almost hours after I called to check on the dispute and the dispute did not go in my favor. The reason they gave me was because the card pin was used which is false because credit cards dont have pins. Fast forward to XX/XX/year> I was a victim again for the amount of {$1600.00} the card was not under my possession once again ( card was stolen ) charges werent in my state once again and the same thing as the first claim happened. I called to check on the clan and hours later the case is closed not in my favor and now I owe $ XXXX which is money I dont have as I am a XXXX XXXX XXXX that works a lot and has bills to pay. I cant pay this at all which also caused my credit score to drop to XXXX and late fees have racked up to {$500.00}. I have also requested another new credit card which I have received but not have activated until this is resolved. For the XXXX dispute my bank closed it with the same exact reason Pin was used which I say is stupid because again credit cards dont have pins.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX
Product: Credit card or prepaid card

BARCLAY 's Bank - XXXX XXXX XXXX Master Card My Statement Due Date was XX/XX/XXXX. 
Total Due {$4400.00} I paid through XXXX XXXX Banking, it was an electronic payment for the Full Amount. 

I have proof from XXXX XXXX showing the electronic payment was received on XX/XX/XXXX. 

The Credit Card company is stating the payment was not received until XX/XX/XXXX They are telling me they have 2 to 3 Business days to process all payments. 
If they need this time, they should adjust the Payment Due Date. 

I think this is unfair practice and a way to charge consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/XXXX and closed
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, TransUnion, and XXXX, that this inquiry due to Violation of 15 USC 1681b Thank you! 

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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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  TransUnion 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 TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion 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 TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

My notes show I am at end of paying them off. I requested docs on existing balance, agreement so I'd have enough to information to close account with amount. They never sent it. Not in email or mail. I requested they stop paypent until they can show me anything on charges and balance. They refused to cancel auto draft saying I was legally obligated to pay. And my almost paid account is over XXXX in a few days. Had to cancel my entire bank account because they are still going to withdraw. Regardless. I sent priority mail stating I don't honor auto agreement because they didn't send reqsted any thing. My personal records i totaled give me est of what's left and I had to close bank XXXX change bank accounteverything. Close what they think I still owe and leave me alone
Product: Debt collection

the debt collection company is northstar location services, XXXX ny. 
the amount they want is for {$300.00}. this amount is for a late fee at a XXXX credit card. the amount owed on the credit card ( I think the amount was for {$25.00} ) was paid by me on time quite a while ago, maybe over a year ago. but the credit card company kept tacking on late fee after late fee, although I called the credit card company several times to explain the issue. 
now this collection company, northstar, calls me every day, sometimes 2 or 3 times a day, sometimes at XXXX XXXX. 
I no longer have that credit card. I am XXXX tears old and would like to live my life without this constant harassment.
Product: Mortgage

The mortgage servicing company has been imposing fees or charges without a reasonable basis or explanation. The company began servicing the loan starting XXXX and the first payment was due XXXX. The company charged fees totaling {$2300.00} between XXXX and XXXX before the first payment was due without explanation or notice. 

Several instances after that, on XXXX and XXXX a XXXX XXXX balance fee of {$160.00} was charged and there was not an outstanding or past due amount.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union and XXXX on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
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I have been unsuccessful with Trans Union and XXXX, I sent letters to the agencies who placed inquiries on my report, no response, I asked Trans Union and XXXX to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
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Trans Union : XXXX was authorized but only once, they have it listed twice on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was authorized once but listed twice on XX/XX/XXXX and XX/XX/XXXX.
XXXX was not authorized at all on XX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized on XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXX XXXX XXXX XXXX XXXX never authorizedXX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX ) XXXX XXXXs not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TranUnion about bankruptcy information that is displaying on my credit report to let them know that the information was not accurate. The bankruptcy did not belong to me. They said I needed to dispute the information on my credit report. I disputed the information onXX/XX/XXXX and the information came back on XX/XX/XXXX as being verified. While TranUnion was working on the dispute, I reached out to the Bankruptcy Court in XXXX to get information about the verification. They told me I could send a letter. I did and they responded to my letter by letting me know that they did not have information on file about me and that they did not verify any bankruptcies. They sent me this letter dated XX/XX/XXXX. I have scanned it in and will include it here. 
When I received the information from TransUnion on XX/XX/XXXX, I called them to inquire about how they verified this and the person I spoke with told me they verified it through the Court systems or a verified source. So I let her know that they did not verify it through the Court systems because I have a letter from the court system specifying that they do not verify bankruptcy information for credit reporting agencies. The customer service rep then said that it must have been verified by the outside source. I requested that information from her at that time and was told she could not give that to me. So how am I able to dispute the verification if they will not tell me who the source is so that I can write them for debt validation? I need to clear this up and according the FCRA, I should be given the information to clear up the inaccuracies on my credit report. I should have full disclosure. It is my credit report. I am trying to figure out what the problem is. This information does not belong to me and I would like it removed from my report. Thanks
Product: Mortgage

Ive tried several times to refinance over the years, dating back as far as 2009. Ive been turned down each and every time. I have an incredibly high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.
Product: Credit reporting

I have sent notice to credit reporting agency that there is an error by XXXX communications on my report. 1 ) I cancelled XXXX due to poor service 2 ) XXXX is an internet company that invoices month in advance 3 ) I did not pay the last invoice as I was not getting the internet speed they charged me for, and they bill in advance. 4 ) XXXX sent my account to collections. 6 ) Not only is this on there once, it appears as a collection three times on my credit report. 7 ) I contacted XXXX years ago about this, they did nothing. 8 ) I 've contacted credit reporting agencies, and I have heard nothing back. 9 ) This has affected my credit rating. I do n't feel I owe this amount ( about {$62.00} ). And I feel all XXXX these collections should be removed from my credit report. Can you please help me? Poor credit results in me paying higher prices for insurance and interest rates. How can I get this collections off my report? It was a prepayment and service was horrible.
Product: Mortgage

XXXX and LoanDepot could not accomplish simple communication between each other in regard to basic refinancing of home loan. Getting the docs to the title company took 4 separate reschedules with the notary to get closed on the refi. Almost a month later, it was discovered that an income sheet wasn't filed appropriately and the paperwork sat on a senior loan officer 's desk for over a week without the issue being corrected. The senior officer 's excuse for the delay was that she had over 100 docs to do and that she was out sick for a week plus they were gone for the holidays. Completely inexcusable to expect the customer to continue to rearrange their work schedule to complete a simple refi closing, and to add more insult to injury, offer nothing more than an apology for the mishap. Horrible companies to conduct business deals with.
Product: Vehicle loan or lease

Called Capitol One Auto Finance for assistance with a deferment and it has been denied multiple times. Requested a call back from upper management. Supervisor/manager called 5 minutes before the end of the business day. Tried calling back, but with ALL the ad 's capital one Auto Finance has it was impossible to get to someone. Left a message for the same Supervisor/Manager. But never heard back from her. The reason that I need an extension/deferment for the month is to get back on track with payments. But what Capital One Auto Finance is doing is charging more interest, & late fees. Capital One office of the president girl I spoke with on XX/XX/2019 was NOT trying to help in any way. The only thing she said was " the account is new, and we can not do anything for you " capital one changed it's policy, so we do not give any help when a life event happens. It is very difficult for some to get an extension ... I am very disappointed with this auto finance. The only thing this company wants is to collect fees, interest and hit my credit month to month, nothing else. I'm going to make sure that I post my story on social media, so that other people that get approved for Capital One Auto Finance don't sign a contract with them ... this Auto Finance is the worse company I have to deal with!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. the accounts are misleading and needed verification immediately. Please check the payment history, date open, last activity, and Status of the accounts ' XXXX XXXX Of Te XXXX Balance : {$6400.00} and XXXX XXXX XXXX  XXXX Balance : {$6400.00} I believe it was reported erroneously.
Product: Debt collection

Several attempts made dispute XXXX XXXX with all 3 bureaus from the time frame of XX/XX/XXXX to present. All agencies responded that the account was verified. I then requested each agency provide physical proof of verification that was used to verify account as of date no documents have been received as of yet. I went a step further to request directly that XXXX validate the collection account reporting on file. This request was sent certified mailed confirmation shows it was received XX/XX/XXXX. However as of date XXXX has failed to validate debt, respond to my request and they continue to report inaccurate information that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00}, {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00} {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL FEDLOAN SERVICING XXXX {$570.00} XXXX {$4100.00} XXXX {$1500.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$9500.00} XXXX {$1200.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL SAME ISSUE WITH BOTH LOAN COMPANIES THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
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 XXXX XXXX | Account Reference # : XXXX | Account Name : XXXX XXXX XXXX XXXX XXXX | Account Reference # : XXXX | ( This account is paid in full ) 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 : A consumer reporting agency can not a account with out my written instructions 15. U.S.C 1681c. ( a ) ( 5 ) Section Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Items 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

Transunion will not remove a duplicate from an agency I have no account with have no contract with and have no signed promise to pay with is reporting a duplicate charge from another agency as a deliberate damage to my credit I notified this agency and they say its verified and true when its a third party reporting the same thing and have no contract with them