23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made a payment to Edfinancial Services on XX/XX/2023 and received a confirmation email stating that the payment had been made. 

On XX/XX/2023, I received an email that the amount was past due. Upon looking at my account, it says that the payment was " reversed '' on the same day ( XXXX ). I received no notification of this and assumed that the payment had been made. I also looked at my bank statement online, and there was no record of a debit attempted by Edfinancial. Since no real money seems to have been involved, I did not attempt to reach out to them and submitted another payment. We shall see if this one goes through. 

I found a XXXX thread about this problem, and it seems to be an ongoing issue with Edfinancial for many people, and is totally unacceptable.The problems seem to have started when they switched to a new online platform. At the very least, if there is a problem with a payment going through, the consumer should be notified immediately so the problem can be rectified without additional interest accruing on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.
Product: Credit reporting or other personal consumer reports

During the last half of 2023 I had to have both of my XXXX XXXX and lost my job. I started the process of applying for assistance/hardship from Mr. Cooper. This has been the most frustrating thing I have ever dealt with in my life. They told me I had to be 2 months delinquent in order to apply for the assistance. I was trying to be proactive but they were telling me I had to be delinquent. For the next several months Mr. Cooper asked for various information, I would provide what was requested and then they would change what information they needed or they " lost '' the information I sent in. I have these incidents documented. After almost a year I was finally able to get into the hardship program to help by adding a month of my mortgage on to the end of the pay off amount. I have now made two adjusted payments as instructed but they keep reporting me as delinquent so my credit score has been absolutely destroyed by this. It is all but impossible to speak to an actual person on the phone, they are the worst company I have ever dealt with and I wish so badly I was in a position to have another company purchase my mortgage. I am so upset right now having just gotten off the phone with them that I am missing some things but that is the gist of it.
Product: Credit reporting or other personal consumer reports

XXXX Revolving account with account XXXX XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. I've listed the unauthorized inquiries below. XX/XX/2023 andXX/XX/XXXXXX/XX/2023 Please delete these unauthorized inquiries ASAP.
Product: Credit card or prepaid card

I have a Capital One credit card which is currently subject to a promotional balance transfer rate. 

Capital One statements - unlike any other credit card I have had - do NOT disclose the expiration date of promotional rates. This should be very clear on each monthly statement. The only way to know the DATE that the promotion expires is to call the hotline, or save the terms of the offer. It is not shown on statements, nor when a user logs into the account online. 

This is a recipe for consumers to overlook the date the rates expire and face unnecessary fees because the company conceals this info.
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute to Equifax regarding inquiries on my account that do not belong to me. I provided supporting documentation with my dispute, including the FTC report. Equifax has simply ignored me. I also recently got a 60-day late on my Equifax report . The report shows the prior 2 months the bill was paid on this account then out of nowhere I have a 60-day late. I asked Equifax to verify this information and they claim it's already been verified. Equifax 's investigation into these disputes has been inadequate and unacceptable. Specifically : Failure to Contact Creditors : Equifax failed to contact the creditors associated with the disputed information to verify the accuracy of the data. 
Disregard Supporting Documentation : Equifax disregarded the supporting documentation I provided, which clearly demonstrated the inaccuracies in my credit report. 
Generic Responses : Equifax provided generic responses to my dispute, failing to address the specific issues I raised and the evidence I submitted. 
Continued Presence of Inaccurate Information : Despite my repeated attempts to resolve these issues, inaccurate information continues to appear on my credit report. 

This negligence on the part of Equifax has had a severe and detrimental impact on my life. Due to the presence of these inaccurate and harmful entries on my credit report, I have : Been denied employment opportunities : Prospective employers have cited my credit report as a reason for denying my applications. 
Been unable to secure housing : I have been denied rental applications due to the negative impact of these inaccurate entries on my credit score. 
Been unable to obtain loans : I have been unable to obtain loans for [ e.g., " a car, '' " a mortgage, '' " a small business '' ] due to the inaccurate and damaging information on my credit report. 
These consequences have caused me significant financial hardship, emotional distress, and severely limited my ability to achieve my personal and professional goals.
Product: Debt collection

Williams & Fudge has contacted me multiple times at my work number and to my personal number during working hours requesting that I pay them money for a debt to the XXXX XXXX XXXX XXXX Today being the latest, XX/XX/2022 at XXXX XXXX. They called my work office attempting to collect a debt. I also believe the debt they are collecting is false. I was forced to drop out of XXXX because my financial situation didnt allow me to work and do school. The money that they are trying to collect is from a XXXX that XXXX gave me because of my financial situation. It was a need based XXXX and I do not believe I should owe money on this regardless of dropping out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX I have no knowledge of this company nor previous contracts XXXX XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my equifax  report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and noticed some unauthorized inquiries. These inquiries do not belong to me.
Product: Debt collection

In XXXX of XXXX, A lease was taken out at XXXX XXXX XXXX XXXX. The lease was completed without any issues after the XXXX period. After the second year in the rental, it was determined that month to month would be the best decision for the family and that was entered from XX/XX/XXXX until XX/XX/XXXX the family remained in the rental unit and all rental fees were paid. Occupant provided a notice to vacate to the leasing office in XXXX of XXXX. In XXXX of XXXX, the occupant spoke with leasing office to remind them of the notice to vacate and was informed by the leasing office that notice was not provided in a timely fashion and that occupants unit would need to be subleased. Occupant tried to reason with rental office with worker XXXX ; however, no settlement was found, and rental representative became unruly and disrespectful. Occupant proceeded with moving out processed and inquired with leasing office about receiving security deposit back and occupant was informed that the security deposit would not be returned and that the amount would be kept and applied to the rent for the unit until the unit was filled. I have continued to receive calls concerning this apartment for over XXXX years from a debt collector, Rent Recovery Solutions, on behalf of XXXX XXXX XXXX. These calls are harassing, and calls are coming in on early mornings and late nights, holidays and weekends. This debt collector continues to report on my credit. The total amount reporting on my credit is {$2300.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ; XXXX  : # XXXX ; XXXX XXXX XXXX : # XXXX. 

I looked at my Experian credit report on XX/XX/year> 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 concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me
Product: Credit card

Card will reflect previous name, XXXX XXXX. 
I opened this account when I was in my early XXXX, they provided minimal information, explaining that if I pay my balance in full there is no interest. I verified since I hadnt had much history with a large credit limit card. Ive since racked up a lot of debt which Ive struggled to get out of because the interest rates were higher than what I was paying towards to principal and I had no additional income to put towards it. Ive finally, after many years, payed off the card balance in full and have a financial plan to never again find myself in that position. I partly blame this position on Chase, which gave me access to a lot of potential debt and didnt provide any education or resources to learn financial responsibility. Regardless, Ive paid the balance in full and was hit with a large interest charge two weeks later. When I spoke to them on the phone, both a regular representative and their supervisor, they now explained that a revolving balance accrues interest daily. They said its always been this way, yet the many times Ive called and spoke with card representatives, no one has bothered to explain this. Ive tried to get their assistance in finding ways to pay the card down previously and was met with, just try your best and if you have extra money, put it towards the balance, which was unhelpful. This interest charge, and now explanation of a seemingly new to me policy, feels like Chase is punishing me for becoming financially responsible and educating myself. The said they arent able to do anything with the interest. Does this mean they will be continuing to charge interest on their own interest balance? Its ludicrous. There needs to be some transparency and responsibility put on the company as well as, not just me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

XXXX fraudulently claimed that it returned an overpayment of approximately {$800.00} to XXXX XXXX. XXXX claims that no such payment was received. XXXX refuses to provide evidence to support its claims.
Product: Student loan

In XXXX, XXXX, a call was placed to Navient to discuss repayment options. I was Instructed to call back in XXXX, since my loans were in a grace period until XX/XX/2018. XX/XX/2018, I called Navient and explained that financially I could not manage the current loan payment and I was seeking an alternative payment plan. I was told that there were no options since I have a co-signer. My co-signer called Navient and gave a financial statement with the goal of reducing the monthly student loan payment. Again, I was told they could reduce payment by XXXX dollars a month, forebearance or refinance. On XX/XX/XXXX I called again with the intent of lowering my monthly payment. I was told there were no options. I filed a temporary forebearance.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX is reporting wrong info on my credit report making it harder to obtain credit. 
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
XXXX ) XXXX XXXX These negaitve deragotory remarks. Are prohibiting me from obtaining credit and I would like them removed from my credit report these are iteams of identify theft
Product: Credit card or prepaid card

Cometity bank closed a store card with XXXX XXXX XXXX for inactivity without notifying me. I did not want this card closed and inactivity timelines are not spelled out in the original agreements. I kept a XXXX  balance on this card in order to allow me to buy a wedding dress for my XXXX daughter when the time came. Closing the account adversely affects my credit and to do so with no notification what so ever is wrong on many levels. Since terms and property notification for cards out outlines in the 2010 consumer card act I believe not notifying me of closure of my account for inactivity violates said act. 

I plan on exploring legal options regarding this lack of property notification.
Product: Checking or savings account

Twice this morning I tried to log into my BMO Harris online checking account, and got this message. 
XXXX XXXX XXXX XXXX I was unable to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested my Full File Disclosure from Checkr. In XX/XX/XXXX, Checkr finally provided my Full File Disclosure. Checkr is reporting inaccurate information in my background check. On XX/XX/XXXX, I submitted a Notice of Dispute with supporting documents to Checkr via certified mail ( USPS Tracking Number XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ), the deadline for Checkr to respond to my Notice of Dispute was XX/XX/XXXX. As of XX/XX/XXXX, Checkr has failed to respond to my Notice of Dispute and is in direct violation of the FCRA. In addition to certified mail, I have called Checkr multiple times to request assistance, however, Checkr refuses to answer their telephone. I have emailed Checkr multiple times, however, Checkr refuses to reply to my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Experian, XXXX, and XXXX Investigations after my disputes in XXXX, 2021 and XX/XX/2021 Experian, XXXX, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that Experian, XXXX, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
1. Experian, XXXX, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
2. Experian, XXXX, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
3. Experian, XXXX, and XXXX has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX TransUnion : XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX
Product: Debt collection

I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.
Product: Credit reporting

I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through Credit Karma and it said it wouldn't affect my credit scores to check to see if I was pre-approved but they ran my credit and it dropped my credit score and showed up on credit report.
Product: Vehicle loan or lease

I had already filled this out. Bottom line is the first Financial Company of Manchester violated rights and broke laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

seeing unauthorized inquiries on my Experian credit report. I made an attempt with Experian to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / national credit card cos. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Product: Debt collection

I keep disputing a collection account that I have no idea what it is. I have asked for an itemized bill but have not provided me with anything. I Never received a bill from the original party and I was sent to collections for a bill I never knew existed. I have disputed and still comes back with no info and collection is still there. How can you possibly put a collection on me for something I don't if know what it is for and yet the collection company has yet to provide or original bill. Its not fair I was never given a proper chance to pay bill. When I dispute a get a response saying Information on this item has been updated. Please review your report for the details. and there are no details.
Product: Debt collection

Requesting validation of the debt. AND REQUEST ARBITRATION THAT IS NOTICEED ON THE ORIGINAL CONTACT.
Product: Checking or savings account

Between XXXX I was charged excessive overdraft fees from Navy Federal . My account is on the verge of closing now because of a XXXX  transfer allowed by now funds are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.