23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I've been working with Navient for quite some time. I last spoke with a loan officer and explained to them that I was currently in school and unable to make my payments until after graduation, at which time I would enroll in a payment plan. I was assured I had nothing to worry about, but they sent my loan to collections anyway! Literally, the day after I graduated! Since then, I've been paying {$200.00} a month to the agency every month since XX/XX/XXXX, and every month, My account is still being reported for missed payments by Navient even though they sold it to a collection agency. I tried to do the right thing and I'm still not getting anywhere. I've called Navient over and over again, even reached out to a customer advocate and I received no help at all. I am fed up and at wits end. I'm ready to pursue legal action against Navient!
Product: Credit reporting or other personal consumer reports

3 debt collections on my XXXX XXXX report that I am unaware of the existing accounts. Tried to fight with XXXX XXXX but not effective. No propper response. Please take action and provide reasonable sollution. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C.1681 section 602 ( A ) states I have a right to privacy.

15 U.S.C.1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish accounts without my writing instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : TRANS UNION XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
AXXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference XXXX : XXXX Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter was sent to them last XX/XX/XXXX which includeds all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link :XX/XX/XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Covid-19 caused late payment, bank was notified still reported late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX SERVICES, XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$57000.00}
Product: Vehicle loan or lease

I was involved in a XXXX XXXX XXXX XXXX and they repossessed the car before the insurance company could come get it. Put a repossession on my credit report and charge me months after the accident XXXX XXXX XXXX XXXX extortion A person who shall willfully, by making false charges against another person or by any other means whatsoever, extort or attempt to extort any moneys, goods, property, or anything else of value, shall be guilty of extortion, a misdemeanor
Product: Credit card

I had a bill of {$2300.00} issued to be by bilt mastercard ( wells fargo ). I paid {$2300.00} but forgot the remaining {$30.00}. When I received my bill on XXXX that remaining value was charged {$22.00} in interest. I don't understand why this is when my APR is 25.49 %. 
I called the customer service line of wells fargo to fight the charge but they told me that the XXXX is charged daily, 24.49 % every day. I told them it's an annual charge not a daily charge and this has never been advertised to me as a daily charge because the name itself implies annual. 

I think this is predatory and they're misleading customers to gain profit.
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. The following accounts have been investigated multiple times with all three reporting agencies. The results of the investigation have not been updated as promised and currently prove to show inaccurate information that is negatively impacting my life. I have asked for the verification of dates. Balances, matching addresss, and account information on my credit report for all displayed accounts across all bureaus. All 3 reporting companies have stated that the report is up to date and every single detail displayed is accurate. After, I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with them. Also, these accounts are over 7 years old and violate my right for how long it should be reported. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 and 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: Mortgage

Before my mortgage was sold to another company in XXXX, I had a MASSIVE issue with Paramount Residential Mortgage Group. First, In XX/XX/XXXX, I was notified via mail that my home insurance had expired and I needed to update with new policy information. I called PRMG to figure out how to get it sorted out, and they told me that they would handle the renewal and there was nothing for me to worry about. So I went on not worrying about it, and my payment never changed. In XXXX of XXXX, my loan was sold to XXXX, and they did an escrow analysis. My payment had jumped up almost {$300.00} and I had no idea why. It took my almost 2 weeks to get through to them to find out, that PRMG had paid for XXXX twice, and I never knew about it. XXXX charge on my escrow account for {$1300.00}, and XXXX charge for {$1600.00}. When I called PRMG to figure out what the XXXX charges for, they gave me the policy that covered from XX/XX/XXXX - XX/XX/XXXX for {$1600.00}, but refused to tell me what the {$1300.00} is and continued to tell me that I needed to provide proof of a policy or they would not reverse the charge. I called back 5+ times to try to explain that it was a mystery charge, and they continued to tell me that I needed to provide proof for both payments to be refunded, and each customer service rep I spoke to tried to argue with me and were very non-helpful and even rude. I have been abused by this company and cheated. They took {$1300.00} from me, and there is now a $ XXXX shortage in my escrow account. I am at risk of not being able to pay my mortgage and I am at a loss. I don't know what else to do and am looking into filing a lawsuit, but it can be expensive.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Macy 's to discuss my pending balance with them, I spoke with representative named XXXX, ID # XXXX. XXXX stated that he could not take a payment over the phone, and that my balance was {$1100.00} and that they could not accept a payment over the phone. He advised me that I had to mail a payment to XXXX XXXX XXXX XXXX XXXX Missouri, XXXX. I found it strange, therefore on XX/XX/XXXX I called again and spoke with Representative ID # XXXX and she stated again that I had to physically mail a payment. However this time it was a different mailing address that was provided. I was given XXXX XXXX XXXX in XXXX, Arizona XXXX as the correct address to mail the payment. I was very confused and concerned, especially as once I advised the representative that just a week prior I was advised by XXXX to send it to a XXXX XXXX Missouri Address. Even more concerning, I was advised that the Macy 's does not have any XXXX XXXX Missouri payment addresses and that the address did not show up any where in her system as being a legitimate payment address for Macy 's. 

Now I don't know which is the correct address to mail my {$1100.00} to, frankly I don't trust either one of these addresses now that I have had time to reflect and consider the strangeness of this ordeal. Every financial institution I have deal has accepted payments over the phone, making it easy for me to rest assured my monies is being handed off to the correct party. Now I have doubts as to were exactly I can send this money to, and ensure that indeed Macy 's is going to be receiving it and applying it to my balance. How do I know my payment is not going to end up in the hands of a disgruntled employee or some other more nefarious situation? 

I trust that my date of birth of XX/XX/XXXX and last for of SS # XXXX will help you locate my account.
Product: Checking or savings account

Truist informed me that there were two merchants that charged checking account. One of them is called " XXXX '' which charged my account 7 times, and the other merchant is called " XXXX '' which charged my account XXXX time. These seems to be related to crypto purchases as both are online places to buy crypto. I have never used these two online sites, and reported as unauthorized when I found out over a month ago on XXXX the XXXX. 

Truist gave me provisional credit for these 8 total charges last week. Today they informed me that 3 of these transactions are still being investigated, 4 were finalize credits, and 1 was deemed " authorize ''. I would like to know how can it be authorize, while the other 4 that were not deem authorize from the same merchant were not deemed " authorize ''. 

I ask truist to look better into this matter, as these are fraudulent transactions which I never made and the amount I had was essentially all of my life savings. Additionally, I have also reported this to the police and FBI which you can find attached the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because Experian, XXXX, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL reporting inaccurately and these COMPANIES is still continuing to report errors on my credit file, which is causing damage to my credit file! XXXX, XXXX, Experian advised me that they verified XXXX  XXXX Bankruptcy, using my XXXX XXXX Public records! XXXX XXXX did advise that they are not reporting this information. So how is these companies verifying these accounts? They are VIOLATING all of my rights according to 15 U.S.C 1681 section 604 A I have the right to privacy! 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 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 have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Bankruptcy Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX
Product: Debt collection

Counterfeit Docu ments filed,  XXXX , i n Register r of De eds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX , Page  XXXX  Filed Documents do not contain the lawful signature of   XXXX   XXXX    XXXX  Notice of this filed Register of Deeds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX  , Page  XXXX  Mortgage was lawfully rescinded  XXXX   XXXX ,  XXXX .  TILA ( Tr uth in Lending A ct, 15 USC 1601 et seq ; 12 CFR Part 226 )  Proper Notice of Rescission filed in Register of Deeds Office,  XXXX   XXXX   XXXX  Michigan.  XXXX    XXXX  Page XXXX  Assignment of Rescinded Mortgage created by  XXXX   XXXX ,  XXXX   XXXX  filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX  Page  XXXX   OCWEN LOAN SERVICING, LLC,. then filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX , Page  XXXX  OCWEN LOAN SERVICING, LLC now attempting to establish a ESCROW Account Statement dated  XX/XX/2017  against  XXXX   XXXX   XXXX  for a lawfully rescinded mortgage
Product: Credit reporting

I have been requesting verification of the following account that Equifax continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX All Access plan, which is a payment plan where you pay a monthly fee over XXXX  years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from Citizens Bank ( which administers the XXXX XXXX plan ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and XXXX said that I had a delinquent account from Citizen 's Bank, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and XXXX, but I have not heard anything. I've been trying to call Citizen 's Bank, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!
Product: Debt collection

Subject : Cease and Desist Request for Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of [ Debt Collector 's Name or Company ]. I believe that the actions of this debt collector violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, and I am requesting your assistance in resolving this matter. 

The following is a summary of the situation : Debt Collector Information : PORTFOLIO RECOVERY ASSOCIATES Details of the Violation ( XXXX ) : [ Provide a detailed description of the debt collection practices you are disputing. Examples include harassment, calling outside of allowed hours, failure to validate the debt, misrepresentation, threats, etc. ] Requested Action : I respectfully request that the CFPB assist in enforcing a cease and desist order against the debt collector to prevent further harassment and illegal practices. I would also appreciate any guidance on how to ensure that my rights under the FDCPA are fully protected. 

Supporting Documentation : Enclosed/Attached are copies of any relevant documents, such as correspondence from the debt collector, proof of the debt, or records of telephone calls that support my claims. 

Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. I appreciate your attention to this serious matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX :
Product: Student loan

I am still a full-time doctoral student finishing up my XXXX. It was my understanding that my subsidized loans ( all of my remaining federal loans ) would not accrue any interest while I was in school, and that repayments and interest would begin 6 months after I graduated. But I will likely graduate in XXXX, and I just had interest accrue and loans auto-payed this week. This never happened with my previous servicer, but Nelnet seems incompetent. I am sure they are buried with loan repayments beginning again, but their system itself seems poorly designed. They are the only company I have heard of in the age of dedicated apps who actually discontinued theirs, when their website is not exactly good. I have no idea why the federal government would contract with such a XXXX company in the first place. I have heard many other horror stories.