23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made a {$500.00} payment XX/XX/year>, which went through with no issues. I made another payment to pay off the remainder ( {$2300.00} ) of my highest interest loan XX/XX/year>. I received a payment confirmation. When I logged into my account 2 weeks later, I saw that the payment had been " reversed. '' I made another payment, this time for only {$300.00} on XX/XX/year>. This payment went through initially and I received a payment confirmation. Then a " payment reversal '' for {$200.00} was posted. I attempted payments 3 additional times, paying the minimum I owed one time, paying one loan in its entirety another time, and paying a different amount the third time. I received confirmations for all payments, then the payments were all reversed. I have received emails saying my participation in auto pay has been removed. I never signed up for auto pay. On the Mohela website it states that you can " make a one-time payment, online, anytime. '' This is what I have been trying to do, so it should not have anything to do with my participation in auto pay ( which again, I never signed up for ). I feel like this is at best gross incompetence on the part of the servicer and at worse, a deliberate attempt to prevent me from paying off my loans. I now have " missed '' a payment, and have accrued interest on loans that I have tried multiple times to pay in full, using a payment method that previously worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I check my credit report because I got a email Alert stating I have a new collection account via TransUnion. I opened my TransUnion account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my TransUnion account so no more fraudulent activity would take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account XXXX with Equifax before and it keeps coming back as meets FCRA standards when Ive provided multiple violations that theyve committed but yet still remains on my report.Per the FCRA this account is supposed to be marked Consumer Disputes in the comment section which its not and is a violation. Ive also submitted request for verification back on XX/XX/2021 and it has been well over 30 days even so 45.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is incorrectly reporting the status of a closed loan. The account in question is a closed line of credit for {$20000.00} being reported for two ( 2 ) separate negative attributes : 1 ) Late payments made during the life of the loan ( with which we agree ) and 2 ) " Late 30 Days '' on a loan with a {$0.00} balance that is closed. We have repeatedly tried to get the " Late 30 Days '' removed from the report, but Wells either does not understand that there are two ( 2 ) separate issues or they are not bothering to address them both. Again, to point 1 ) WE COMPLETELY AGREE that we were late on some payments for the account but to point 2 ) we are asking that Wells Fargo remove the " Late 30 Days '' indicator from the credit bureau since it is impossible for an account that is CLOSED with a XXXX dollar balance to have a CURRENT STATUS of " Late 30 Days ''. It is unnecessary for them to produce documentation showing that we were late on payments, WE AGREE THAT WE WERE LATE in payments. Rather, we are saying that the loan is not CURRENTLY 30 DAYS PAST DUE.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Additionally there were multiple occasions when I was pulled out of class and told I could not go back to class without signing for more loans. So far I have paid XXXX on what was originally a XXXX loan and still owe XXXX. My federal loans were forgiven and refunded so why should I still have to pay and not get a refund on these loans.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Send certified mail to experian, XXXX and XXXX on XX/XX/XXXX/2024 I havent received anything email or via mail.

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnisher 's response, despite having evidence of that furnisher 's unreliability. 

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on this account. I wonder why Equifax, XXXX and XXXX report it as late XXXX/XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Checking or savings account

My husband initiated our paycheck deposit by online transfer of {$7100.00} from his business bank to our Chase Bank personal account on Friday, XX/XX/XXXX. He does this exactly the same every month, and has for the last 4-5 years. He was told the money would be available XX/XX/XXXX or XX/XX/XXXX, and our account shows that it was received. However, we were notified by the bank yesterday that the deposit is on hold until Friday, XX/XX/XXXX, no explanation. My husband contacted them and was on the phone with them for two hours this morning, but unable to get any explanation or a reversal. After trying to blame his business credit union, the most he was told was that the money is " nowhere, '' and that neither they nor we can access it.
Product: Debt collection

Purchase vehicle In XXXX at the time a credit report was ran car was repoed XXXX and a balance was left after they sold car this company still continues to run my credit profile by submitting inquiries violating my consumer rights they indicated the can not provide me a document that theyre allowed to continue to run my credit unless I pay off my debt or set up a payment arrangement Ive asked them since XXXX to stop running my credit yet they still continue in XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Barclay XXXXXXXX XXXX I do not recall making any late payments to this account. I also believe the FCRA XXXX allows me to remove collection older than 2 years, I have made several attempts to have Barclay XXXX XXXX correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX
Product: Student loan

I started repaying my student loans after a divorce and getting settled in to a home with a steady job in 2007 when I could afford it. I was contacted by Sallie Mae to get on a repayment plan. They told me I would pay it off quicker if I had an automatic deduction from my account. I agreed. They started deductions and 13 years later I have paid them over {$49000.00} for a loan with penalties totaled less than {$32000.00}.
Product: Debt collection

XXXX XXXX XXXX Contacted me via txt message without my consent to notify of a debt collection. No attempt to call me or letter by mail was attempted. This first notification that was received by text which they did not have prior authorization from me to connect me that way. I have since sent a letter to them requesting validation of the debt they are claiming is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting closed/, paid accounts. These accounts were authorized to delete XXXX continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.
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 71XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. I do not recognize this fraudulent account as mine. I am a victim of a data breach and Identity Theft. Kindly block and delete the Account Name : [ XXXX XXXX ] XXXX Account number : XXXX ] within 4 business days as required by FCRA 605B, 15 USC 1681c-2 . Please Remove and Delete this fraudulent account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report, Affidavit of Truth and other relevant documents.
Product: Student loan

I 've spoken with a customer service rep from my servicer previously and the issue has not been resolved. The servicer has continued to not issue statements to me for my student loan balances. I did not receive statements, or even notice that statements were available, for the months of XX/XX/XXXX and XX/XX/XXXX. The servicer has created statements after payments were due and loaded them into my electronic account. As shown in the attachment ( see Discover Statements ), no statement has been created for the month of XX/XX/XXXX. The statement dates are typically the XXXX of each month and I usually receive an email notification that it is available on the XXXX of each month. There are two Regulation Z violations here : 1026.41 ( a ) ( 2 ) and 1026.41 ( b ). 

In addition, I received a call from Discover this morning stating that I have past due payments for the last two months. This is untrue and I have actually made two payments in the past three months well beyond the minimum amount due, including one payment of {$5000.00}. I asked to speak with a supervisor and he acknowledged that this was an error and that I have not missed any payments ; the servicer simply has not properly applied my balance. As a result, I consider the call I received this morning to be an abusive collection tactic ( XXXX ). 

I have attached a document ( Discover Correspondence ) showing all correspondence issued, in the past several months. Letters include confirmation of one-time payments, which they identified my payments as such because no payment was due ( since the servicer had not created statements for those months as of those payment dates ).
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 I took out a small {$200.00} loan from Makwa Finace. The payment schedule of {$79.00} appeared to quite long, far exceeding the {$200.00} loan. I aksed about this before agreeing too the loan and just paraphrasing, was told it woud not take that long to pay bck the loan. After two payments they showed I still owed in excess of {$300.00}. At that rate I can not ever pay back the loan. 

I started asking questions around that time and would be happy to share the mail thread with 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 confidentially under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX  # XXXX, AND XXXX  # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting

I 'm trying to join the XXXX, during my recruitment process, they did a credit report check on me. They found some information that does n't belong to me. XXXX different accounts from telecommunications services and/or cellphones companies. Please, I need help resolving this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received and email from a XXXX XXXX with a telephone number listed as XXXX. The email is now gone. Not sure if they were able to delete the email. The phone caller did say that there was a money owed to me and was to return the sum of {$340.00}. I did ask him to send a check, but he said it would be easier if he put it in my bank account. He talked me into giving my info to him. He made an attempt to refund the money in my savings account only but instead created an illusion that I had made a mistake and entered wrong amount {$40000.00} that I had to pay back or he would put a freeze on my account. During the time he was fixing the issue. I did not know he was in my checking account taking money out. He had created this false page thinking I was looking at my own account which showed my total amount for that day. He said he could only take out {$25000.00} and wanted me to go to a XXXX XXXX to get 4/ {$500.00} money orders. Right then and there I had been scammed. I hung up but he kept calling me with the number XXXX. We must stop this type of scam. As he was talking I can hear in the back ground another individual repeating the same words as him to another individual they were scamming. Like No you have made a mistake, let me correct it. On that day as well, he had texted me at ( XXXX ) XXXX to send a copy of my Driver License, so I did. The program he had me use was XXXX XXXX XXXX XXXX. 
I did not authorize the wire transfer in question of {$25000.00}.
Product: Checking or savings account

I had placed an online account through an app called XXXX. And they were unable to give me my order. Because I didn't have an ID showing my age for the products that I needed to have an ID for so they told me they were going to refund my money. It never refunded me. My money period so I filed a dispute with my bank. Waited 90 days for the results of the dispute and provided the evidence that I had, which was an email from XXXX, stating they were going to refund my money within 3 to 5 days. I gave that email to my bank. And they still came back to me saying I lost my dispute that they didn't find any error in the transaction of my Money being taken and not returned PERIOD whenever I have needed to file a dispute with my bank. They have always found the dispute. Not in my favor when my money is taken improperly period so I am filing another report against them because they have a history of this. Not returning my money when it's taken. Period I want this you got
Product: Bank account or service

On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of my paid charged-off account, XXXX. This account was settled under a pay-for-delete agreement, yet it continues to report incorrect information, including an inaccurate high credit limit, date last active, date of last payment, and payment history. Additionally, it incorrectly reflects 120-day late payments in both XXXX and XX/XX/year>2020, which is impossible, as an account can not be reported as 120 days late for two consecutive months. 
Another critical issue is that during this period, I was covered under the CARES Act, and my payments were deferred. Despite this, late payments were still reported, violating federal protections. Reporting late payments on a deferred account is a clear violation of the CARES Act and the Fair Credit Reporting Act ( FCRA ).

Furthermore, when this account was settled over the phone, it was agreed that it would be removed from my credit report. However, the account is still being reported, causing me financial and emotional distress. This inaccurate reporting is not only misleading but also unlawful under 15 U.S. Code 1681s-2, which mandates furnishers to report only accurate and verifiable information.

To resolve this matter, I request that Capital One immediately remove this account from my credit report as per our settlement agreement. If this matter is not resolved, I am prepared to initiate arbitration as outlined in our original agreement, which would result in additional costs and legal fees for your company.

Please respond within a reasonable timeframe to confirm your willingness to honor the pay-for-delete agreement and remove this account. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX