23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am the co-signer on XXXX of my daughter 's school loans. Navient is now the holder of these loans. There was confusion about a payment ; Navient said they had n't recieved it - my daughter knowing she paid it. During the interim, Navient called my cell phone every XXXX minutes or so from rotating numbers all day long for two or three days until she finally got everything sorted out. I sent a certified letter telling them not to contact my via my phone any more but rather only by the US mail, noting that their rotating call system was harassment rather than debt collecting. They sent me a response telling me they could call me anytime they wished ; that if I spoke with them, the calls would stop for that day only ; and that they are not subject to the Fair Debt Collections Practices Act. This was signed by the Private Credit Ombudsman 's Office. In other words, they will continue the next time there is an issue to harass me unless I answer their calls and even then there is no guarantee that the calls will stop. Further, they are saying they are exempt from the FDCPA and I have no recourse but to be harassed by them.
Product: Credit reporting 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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

After graduating in 2015, I began work as a low paying XXXX. I spoke with three different people at Sallie Mae, telling them I was in serious financial difficulty and needed time to gather a prudent reserve to again begin paying them. I told them I fully intend to pay my debt, but needed time to gather enough money to not be so XXXX about making daily fixed expenditure payments. Since that time, they have called repeatedly including calling my sister who has an XXXX and harassing her also. There is absolutely nothing I can do at this time to resolve this and the XXXX pressure is incredible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or Experian totally XXXX up my report
Product: Vehicle loan or lease

I called on XX/XX/XXXX to make my payment has agreed to. I know that I have had a hardship and trying to catch up with my payments. When calling on XX/XX/XXXX at XXXX XXXX, I was giving the run around transferred around and around told we can not help you. When I asked why am I being transferred around so much and being laughed at. I still was advised that i can not help you. I asked if they treated all customers like this. I spoke with more then 4 plus reps. Finally i asked is it because of the status of my account or the color of my ethics back ground I was then transferred to a very nice young lady who helped me. I was on the phone from XXXX until after XXXX before I was help. Im very unhappy with the service and how I was treated. Im doing everything I can to get my account on track but should not get the run around that I received. If i could refi with another company I would. This is not the first or second time this has happen to me. This time Im tired of being treated like dirt, so I decided to complain this time. The last rep I spoke with on XX/XX/XXXX was very professional and could teach the other rep how customers should be treated. Im just putting this complaint in now, because I also have health issues that I have to tend to and did not have time on the XXXX for they had my XXXX XXXX up. Im also a XXXX patient that should not be under a lot of stress. Being behind is stressful enough for me.
Product: Checking or savings account

Skrill.com closed my account today XX/XX/year> and did not transfer the over {$900.00} in the account to me back I can not login to my account and they are not responding to my requests through the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter requesting that you re-investigate the disputed account from my credit report as well as place temporarily updated accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Once again, this is my personal, good-faith request for relief under the FCRA. This complaint is a formal notice that you are knowingly reporting inaccurate, incomplete, and unverifiable information regarding the account listed below. I am also disputing reporting law not whether or not an account is mine but whether or not Equifax has the verifiable proof that is required by law to have for the account listed. I am requesting proof of this alleged account, specifically the contract, note, or other instrument bearing my signature. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Product: Credit card or prepaid card

I just made a payment previously on my account and went to make a purchase using my XXXX 'S credit card at the end of the month. I was informed by the cashier that my card was declined. I called the number on the back of my credit card and spoke with someone from customer service who stated that my account was over the limit. I had been making my payments at the XXXX of every month. The customer service rep told me that I am paying my account too early therefore I am being penalized for paying early. My account is due on the XXXX of each month. They are not applying my payments to my account correctly. I am being charged a late fee of {$25.00} every month for being late. I feel like I am being cheated every month and I have spoken with them more than once concerning this matter. I feel discriminated against for paying my account on time. I have been paying what is on the bill.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear I.C. SYSTEM, INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224.

It has unequivocally come to my attention that I.C. SYSTEM, INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the c
onsent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for I.C. SYSTEM, INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that I.C. SYSTEM, INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comp
ly within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that I.C. SYSTEM, INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to AMERICAN EXPRESS XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Checking or savings account

Today, XXXX I contacted USAA and closed my checking, savings and credit card accounts. When I asked them to close my membership they refused. My membership contains my PII, including social security number, date of birth and home address. I let them know this and after talking to XXXX different people they flat refused and disconnected the call.
Product: Student loan

On or about XX/XX/XXXX, I reached out to EdFinancial to apply for the SAVE plan so I could begin making payments. Despite being told by the Department of Ed that this was my new servicer, they seemed to have no record of me so I was unable to create an account in their system. Figuring this was just a website glitch, I called. Unfortunately, the phone goes silent ( not even sure if I'm on hold or not ) once I am prompted for my SSN, which again they do not seem to have. Since they have seem no record of me, and I can not create an account, I am unable to take advantage of the SAVE plan. This is actually the second complaint about this matter I am submitting to the CFPB, as EdFinancial seems to have ghosted the first one. At the moment, as much as I'd like to have this resolved in a mutually satisfactory matter, I'm submitting a new complaint so as to start a better " paper '' trail of my many attempts to get the attention of EdFinancial. 

It's wild to me that the federal government continues to pay them for the service of servicing loans when they don't seem to be doing any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX  )
Product: Debt collection

ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in Florida. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.
Product: Mortgage

In 2015 my attorney XXXX XXXX XXXX at XXXX sent the required information. The guy that was working on it kept saying they did not get it but it was sent from my attorney 's office until they finally foreclosed illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX is not complying with my dispute requested i sent them letter on the XX/XX/2021 and on the XX/XX/2021 and told them my first initial i havent heard back from them than i send them 30 day demand to reply and still havent responded
Product: Credit reporting or other personal consumer reports

XXXX Services {$370.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$520.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$11000.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address vulnerable and unprotected. Furthermore, their dispute resolution process comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

With illnesses and family things My family has been experiencing a financial hard ship since beginning of the year. Missed a payment due XX/XX/XXXX that I did pay and make current on XX/XX/XXXX. My family is trying to refinance to pay off debt bills and get us out of this situation I spoke with Carrington in XX/XX/XXXX and they were very helpful explained that I needed to write a letter and fax back they would have it removed the lady was very promising and gave me such relief. So we immediately faxed in the letter they then notified me by mail to fax in a second copy signed which we did as well two days later and now it 's XX/XX/XXXX I 've never heard anything backed so I called them yesterday and they said they never received the 2nd fax. Which we have fax confirmation it was received. Did n't give me any information on what to do next and she was very rude and told me I should ask my husband why the payment was late and if it was his fault. I 've been a homeowner for 9 years and have just this one 30 day past due notation out of 9 years of payments keeping me from being able to move forward with my refinance to be able to fix the financial strain my family is experiencing. I just want them to honor what they told me initially in writing and sending them the letter.
Product: Mortgage

I refinanced and paid off my Amerihome mortgage Loan Account # XXXX, and the pay funding took place on XX/XX/XXXX. I was told that the escrow surplus would be dispersed 15 days after payoff XX/XX/XXXX. And that it could take up to 10 days mailing - arriving by XX/XX/XXXX. Upon my third call to Amerihome I was told that I would receive the check by XX/XX/XXXX. The check has not yet arrived, So I call again and am told that the check was sent on XXXXand that I must wait 30 days, until XX/XX/XXXX. At that point they would stop payment and reissue a check that could take up to another 15 days to mail. Between the message the person that answered the phone keep repeating and being placed on hold I was on the phone for 1 hour and 35 minutes. I asked over and over to speak with a supervisor and told by XXXX that this had to be approved! At about 1 hour and 45 minutes, I was told said she would finally transfer me to a supervisor and in fact transfer me back to the opening phone que, after listening to all the recorded options again, I hung up. I feel like I am being scammed out of my escrow money. it is only {$200.00}, but during this pandemic - everything counts. 

This is NOT how a reasonable financial transfer should work and this is NOT how people should be treated. 

I wonder how many other checks they are holding out on. Or how many people have just given up. 49 day sis to long of a wait. Makes one wondering of the financial stability of the mortgage company.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX XXXX2025 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : - XXXX XXXX XXXX XXXX XXXX {$25000.00} - XXXX XXXX XXXX - XXXX - {$34000.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I had fraudulent charges on one of my cards. The whole balance due was those charges and I knew that I wouldnt have pay them. They reported my late payment to the credit report companies. I have disputed this 6 times since then. They fixed it once then the item was placed back on my report. The credit bureaus keep saying that the info is correct
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent accounts on my report. Please remove the listed accounts from my report this is a direct violation of 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX
Product: Checking or savings account

We ( XXXX XXXX XXXX joint account ) have been clients of Wells Fargo for more than 10 years and have been happy with their service. I ( XXXX XXXX have used online bill pay with no problems, including to pay our property taxes. I paid our 3rd Qtr property taxes via online bill pay. ( I also paid our 2nd Qtr property taxes via online bill pay with no problem. ) I paid our 4th Qtr property taxes with a check. We received a notice from the tax collector that we owed 4th Qtr taxes plus interest for late 3rd qtr and late 4th qtr. 

The tax dep't said they used my 4th qtr check to pay our 3rd qtr taxes. They said they never received my 3rd qtr online bill pay. So I paid our 4th qtr again including penalties and interest. 

I called Wells Fargo in XX/XX/2019. They said that the tax collector told them to put a stop payment on the 3rd qtr check. I asked the tax dep't and they said they never said that. 

Wells Fargo did replace the money from 3rd qtr online bill pay. I asked Wells Fargo that I'd like to be reimbursed for the interest penalties. The worker said that Wells Fargo does not pay property tax interest. Wells Fargo suggested to me that I not use online bill pay to pay my property taxes. 

I am requesting that Wells Fargo reimburse me {$44.00} late property tax interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : NAVY FEDERAL CR UNION XXXX ...... Date Opened XX/XX/2017 XXXX {$1900.00}
Product: Student loan

My student loan has been on an in-school forbearance for about the past two years, ending XX/XX/XXXX. After I graduated, I called Navient to discuss my repayment options and the offer of an extended repayment plan was made. This would extend the time of my repayment significantly, but lowered my monthly payment which was what I wanted. Without going into specific details, I have had to call Navient back, about monthly in attempts to get this new repayment plan processed. Every time I call in, I have to go all the way back to the beginning of the story. Every time I call in, I am told it will be taken care of, yet, I continue to have to call back in! I do n't understand how there is this much confusion if the call center representatives are taking notes and if the phone calls are recorded? Why should I have to re-explain myself and why has one simple task of processing a repayment plan not been completed? When I get angry on the phone, I am ignored. In fact, today when I called in ( again! ), the manager cut me off as I was complaining about the company 's incompetence and I was put on hold as I was speaking. They do n't care how their customers are treated and all I am trying to do is pay back my student loan. I have made payments on these loans regularly since XX/XX/XXXX, but why does any kind of little change have to be so difficult and take months to finalize? Because of this company 's negligence, my payment due XX/XX/XXXX was listed as higher than what my extended repayment plan is supposed to be. I made the payment for my extended repayment plan, about {$200.00} less than what a normal payment would be. Now my account is showing a balance of that {$200.00}. This would have never happened if the payment plan was processed as I was told it would be, the last three times I 've called.