23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage Student Loan Servicing XXXX XXXX ( Account XXXX ) I write in regard to inaccurate billing practices of Aidvantage. I was told that they will not participate in SAVE on Federal Loans, have refused reimbursement of overpayments made during Covid forbearance, and stated they will " restart '' my max repayment timeline from day 1. 

With the changes in student loan processing, I questioned my XXXX amount of {$370.00} as it seemed inaccurate. 

Based on my calculations XXXX should be at Total Income : XXXX XXXX XXXX  XXXX ( XXXX ) Discretionary Income XXXX @ XXXX XXXX  XXXX = {$220.00} Monthly I was initially promised forgiveness after 10 years of qualified payments on student loans at inception which was eliminated when XXXX purchased my loan balances from XXXX XXXX. With the new policies in place, I requested a review of overpayments and forgiveness that should lower the balance significantly. Aidvantage stated that they were restarting my timeline of qualified payments and starting over with a XXXX XXXX XXXX XXXX pay plan with an estimated pay off/forgiveness year in XXXX. 

Aidvantage stated they will not participate in SAVE, will be calculcating at XXXX XXXX  XXXX AND XXXX XXXX discretionary income. As a result of my inquiry, I was further penalized with a {$50.00} increase in monthly payments from {$370.00} to {$400.00} that appears to be a discouragement to the lender in questioning their billing practices. 

I requested review explaining that after the passing of my mother, I was left to care for my father who suffers from XXXX. I was forced to move as a primary caregiver and do work full time to help cover his XXXX expense at a XXXX XXXX XXXX He does require XXXX care. Additionally, I am XXXX as well, although not collecting any form of XXXX. I am able to work in my field remotely - however, I do have my own medical expenses as well. 

Below is a breakdown of payments/loans including overpayments that should be credited. 

Loan # Original Amount Repay Date Paid In Full Overpayments Anticipated Forgiveness Date Forgiveness Amount XXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX {$3300.00} XX/XX/XXXX {$3300.00} XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$8900.00} XXXX {$5200.00} XX/XX/XXXX XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XXXX {$11000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$12000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$7800.00}. XX/XX/XXXX {$7600.00} XX/XX/XXXX TBD` I am formally requesting review, write off of balances at 10 years totaling XXXX. 

I have also requested a full refund of overpayments totaling {$15000.00} which Aidvantage stated they are unwilling to do.
Product: Credit reporting or other personal consumer reports

They said they did investigate. XXXX  XXXX have information and accounts that are not mine on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for XXXX, XXXX, and Transunion.
Product: Student loan

I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?
Product: Credit reporting or other personal consumer reports

I have repeatedly asked LexisNexis to provide me with the document that has my wet ink signature that states I give LexisNexis permission to use my information for profits. LexisNexis responded that they do not need permission when indeed they do. LexisNexis has no rights to collect and release my non public information for profits. Since I own legal and equitable rights to my name this is LexisNexis notice that I am pursuing legal action against them for reporting this bankruptcy then releasing it to the credit bureaus I have a signed letter from the courts stating they did not provide such information and LexisNexis has no one of verifying court information.
Product: Vehicle loan or lease

I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.
Product: Checking or savings account

Ally bank advertised a Payback time promotion. The promotion stated -open an account by XX/XX/XXXX, fund it by XX/XX/XXXX, leave the money in that account until XX/XX/XXXX and receive a 1 % bonus up to {$1000.00} on XX/XX/XXXX. I followed all the steps and time frames- received an email stating that I was enrolled in the promotion. I just noticed that I did not receive a 1 % bonus into my account when I checked on XX/XX/XXXX. I called and spoke to a CSR and she told me that a " personal trust '' vesting is not allowed. No where in the paperwork or in the fine print did it ever state this. The complaint was escalated to a supervisor, XXXX, who told me she would escalate to upper management and some one get back to me. I told her I would file a complaint with the CFPB if this oversight has not been fixed. As of today, my account has not been credited with the 1 % promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Product: Student loan

I checked my credit report and saw that I had fraudulently furnished late payments furnished by your company. I have never been late on this account. These fraudulently furnished late payments are and invasion of my right to privacy. 
Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Your failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud. Congress has stated that unfair credit reporting undermines public confidence. Which congress has made clear, is essential to the continued functioning of the banking system. 

Pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am aware that I was supposed to receive a negative information notice no later If you can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished late payment with forethought and malice as an attempt to bring harm to me and my financial reputation. 

Please be advised that I am aware that whoever violates 15 U.S. Code 6821 such as the false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. 
Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to XXXX for a felony by an organization or imprisoned for 5 years or both pursuant 15 U.S. Code 6823 ( a ). 

I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place.

I am conditionally accepting any non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact. 


You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by you will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. 

Thanking you in advance for your anticipated quick co-operation on this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : Starting XX/XX/ 2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : 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 Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission.
Product: Student loan

This loan is from XX/XX/year> and the Department of Education has sold this account to another company to collect the debt. This account is reporting a High balance of {$10000.00} on XXXX, {$10000.00} on XXXX but {$0.00} balance on XXXX because they told me a decade ago if they sold it the balance would be XXXX. These accounts should be removed for reporting false information and inconsistent information on the XXXX bureaus.
Product: Debt collection

The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, Experian, and XXXX  but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I paid in settlement to Chase credit cards and these XXXX credit cards were business cards and XXXX show them as in derogatory, but that is not true, because I do n't own any penny to Chase.
Product: Checking or savings account

Each month I wire out about $ XXXX for my XXXX father 's XXXX board and care. Every few months I go to his bank and get a cashiers check for reimbursement. 

XX/XX/XXXX A cashier 's check from XXXX XXXXXXXX XXXX  was deposited into my Chase Checking account via ATM in the amount of {$17000.00}. Prior to my deposit my account balance was around {$3000.00} XXXX The hold was cleared and I paid bills in the bank mobile ap ( about {$3000.00} ) and sent a wire via mobile ap ( about {$7000.00} ) XXXX Went to bank ATM ( at bank ) to withdraw {$2000.00} to pay construction workers at my home. I was unable to withdraw funds and my access to online banking was frozen. I spent 4+ hours at the bank trying to ( and successfully resolving the hold ). I had to pay the workers at my home for an extra hour because they couldn't leave until they were paid. 

XXXX The USPS delivered a letter alerting me to an issue with my deposit and that if I didn't contact Chase immediately they would close my account. 

XX/XX/XXXX Access to my online banking still wasn't resolved and I had to make another phone call explaining the issue again. When asked " why didn't chase contact me? '' I was told that it was all automatic and the onerous was on ME to contact them to resolve the issue. How was I to contact them when I didn't know there was an issue- until the issue was big? 

My husband and I specifically got a cashier 's check from XXXX XXXX so the there wouldn't be a long hold time. I was treated like a thief in the bank AND on the phone. 

I can understand issues with fraud, but I can't understand why I didn't receive a text or phone call alerting me of the issue. I also can't understand why they needed to speak to me before contacting the issuing bank institution.
Product: Money transfer, virtual currency, or money service

I sent XXXX $ on XXXXXXXX XXXX XXXX by money Gram XXXX XXXX XXXX XXXX Iowa , but after 3days they did not delyvery to my family,,, in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Capital One has stated that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and they should stop their collection attempts. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information. See attach.
Product: Debt collection

I received a collection notice from Diversified Consultants, Inc.  (   XXXX  ),  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , acting on behalf of  XXXX  to collect {$230.00} which I do not owe. I attempted to have  XXXX  correct the problem since    2016  but they simply ignored my numerous complaints. I subsequently sought the assistance of the Office of the New York State Attorney General ( Reference File #  XXXX  ) to resolve the problem, but unsuccessfully. The final response by the Attorney General Office is as follows : " We have received a response to your complaint. Despite our efforts, the company has refused to make any refund or other adjustment. ''  XXXX  provided false information to the New York State Attorney General Office.     The problem stems from the fact that  XXXX  surreptitiously added various fictitious billing amounts into both my  XXXX   XXXX  account and my  XXXX   XXXX  account, each in the sum of {$240.00}. and  XXXX  purposely co-mingled billing charges and payments between those  XXXX  accounts.     Because of the frustration which I encountered in trying to have  XXXX  make appropriate corrections, I cancelled my  XXXX  connection service on  XXXX   XXXX ,    2016  ( Cancellation Order No. : NY  XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to correct incorrect reporting on my bureaus showing that I have filed a bankruptcy. TransUnion advised that their verification source is XXXX XXXX  XXXX Michigan and provided address. I then reached out to the courthouse directly asking if they verified as transunion stated in dispute results. They sent a letter back advising that they do not share bankruptcy filing info with with bureaus. This is a clear violation of FCRA and Im requesting that they remove this item from my bureaus immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because Ive been reaching out to Transunion for over 2 months about a company putting false late payments on my report and they have not responded yet. I reached out to XXXX about this and they corrected the issue and updated my payments to never late and paid 100 % as agreed, so I don't understand why transition is taking so long. I was never late with any payments and I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false late payments on an account that is already closed.
Product: Money transfer, virtual currency, or money service

I received a credit card/ mobile banking card that I did not apply for. This account was Open without my authorization. The company has several different address on the credit report SOFI Lending Corp phone number XXXX I did call them And asked for a copy of the application and they refused to give me any information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social security number : ( XXXX ), Date of birth : XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a closed personal credit card opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). This account has resulted in a negative fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account are the result of identity theft an fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of Identity theft and fraud. I have filed this CFPB complaint again due to Equifax Information Services LLC stating the account is under reinvestigation due to prior FTC report being invalid due to not having full account number and due to not having the second page which i have provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have recently been informed that there is a negative information reported by United States Bankruptcy Court, in the file they maintain under my social security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX  XXXX & XXXX XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. they all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to the United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies '' I am just a little confused why the credit reporting agencies lied for
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this accounts is still being reported on my credit report. 
XXXX XXXX