23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Due to family medical issues I had fallen behind in both of my consolidated student loans. When I contacted Navient in late XX/XX/2018 by phone to tell them I would be able to get back on track next month they directed me to a forbearance until XXXX. When I was able to clear the medical bills in XXXX I contacted Navient by phone on XX/XX/2018 about paying of the smallest of the two consolidated loans in its entirety and making a regular payment on the larger loan ahead of the forbearance date in XXXX. 

After going through 3 levels of account representatives I was assured that the {$2000.00} payment I made on XX/XX/2018 ( taken out of bank on XX/XX/2018 ) would apply to the smallest of the two consolidated loans and pay it off in full. That would have saved me approximately $ XXXX- {$42.00} per month which I could have applied to the principal on the larger loan. I also paid {$190.00} to the monthly payment on the larger of the two consolidated loans on XX/XX/2018. 

I created an online account with them afterwards to keep better track of my loans. When I review the statements later it appeared they had applied the payments to the opposite accounts that what I directed them to. 

This only served to exacerbate the ongoing problem and keep payments artificially inflated. I feel they deliberately failed to provide me with ethical and competent loan servicing duties by ( 1 ) steering me to a loan forbearance and ( 2 ) deliberately misdirecting my payments in order to prevent me from paying off the smaller of the two consolidated loans. 

When I contacted them by phone on XX/XX/2018 and described the problem, the representative was unresponsive. When I asked to speak to a supervisor I was put on hold and eventually had to hang up after about 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUD INQUIRES : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX. TransUnion : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 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 Any other adverse item 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

I applied for the California Mortgage assistance program on XX/XX/XXXX. My application was finally approved on XX/XX/XXXX and the assistance program paid my mortgage company, Specialized Loan Servicing ( SLS ), to bring it up to date. I had previously set up automatic payments with them which they failed to cancel once they received the payment from the assistance program and they processed my payment on XX/XX/XXXX for a total of {$3800.00}, and it was deducted from my bank account. I called them and told them that they were not supposed to process the payment since my account had been paid up to date by the assistance program and they assured me they would process a refund check and mail it back to me. I have called them quite a few times because they have a track record of messing things up and each time they assured me that they mailed the check to me. I called earlier this week and they said they had sent it out on XX/XX/XXXX but I still haven't received it. I decided to call today and the " customer service '' representative at XXXX who answered told me they had wired the payment back to the mortgage assistance program. I am not sure when or why that decision was made. I spent an hour on the phone with them and they said all they can do is advise me to contact the mortgage assistance program, which I think is ridiculous considering they are the ones who made the error. If I had not contacted them asking for the refund they would've just credited my account which would've been better than completely losing the money. This is a huge financial burden on me and I really need the money as soon as possible. My mortgage company essentially stole the money from me as the payment was not supposed to be processed since my account was brought current by the mortgage assistance program. I contact the California mortgage assistance program but they are unsure on how to handle it as they have not encountered this issue before. SLS needs to resolve their error and refund the money to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Advance Resolution Service, I have been waiting over 60 days since you didnt respond to my dispute for inaccuracy you are reporting on the bankruptcy record # XXXX with the inaccurate case number because you are reporting it as XXXX. Case number XXXX is inaccurate because it is supposed to be XXXX and not XXXX. 
The FCRA 15 u.s.c. 1681i for the law that said, because you have failed to respond to my dispute letter of XX/XX/2022 for more than 30 days you must remove or delete this inaccurate information. Delete this Bankruptcy immediately. 
I disputed this inaccuracy on XX/XX/2022 the by us certified mail tracking number XXXX to the mailing address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX OH XXXX, and you received and signed for it on XX/XX/2022 as shown on the supporting documents I attached to this complaint. 
I also called you several times on XX/XX/2022 asking you regarding this matter but you responded that you had received the dispute, but you ignored me by sending me a previous dispute response from XX/XX/2022. 
This Violation must stop because as a consumer we are protected by the law 15 u.s.c. 1681i.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Delete or remove this Bankruptcy because youre reporting inaccurate information on my consumer report. 
Sincerely, todays date XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX Experian ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from my credit report!
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Complaint and Request for Inquiry Removal Dear XXXX Fraud Department and Credit Karma, I am writing to formally report that my personal information has been stolen and used to fraudulently apply for credit cards. I have discovered unauthorized inquiries on my XXXX credit report from XXXX XXXX XXXX XXXXXXXX . The details of these inquiries are as follows : - XXXX XXXX : XX/XX/year> - XXXX : XX/XX/year> These inquiries are a direct result of identity theft, and I request that they be promptly removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any information resulting from identity theft. 

I have taken steps to report this identity theft to the relevant authorities and have placed a fraud alert on my credit files. I kindly ask that you investigate this matter and ensure that these fraudulent inquiries are removed from my credit report without delay. 

Please confirm the receipt of this letter and keep me updated on the status of my request. Thank you for your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, Equifax deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I logged into my Equifax 's online account and requested an updated credit report since the dispute investigation. My credit report dated XX/XX/year>, omitted the car note account referenced above under installment accounts. See attached. Equifax failed to update the account balance and deleted the entire account instead.
Product: Payday loan, title loan, or personal loan

XXXX XXXX of XXXX County charged me late fees that ran up to {$180.00} after the loanw as paid off, it is now reporting on my credit. I only ahd {$20.00} in fees left I paid off all three loans. I want this off of my credit, the loanw as paid off in full.
Product: Debt collection

XXXX XXXX is trying to a collect on a debt that was already paid. 
to XXXX XXXX ( see attached ) I have had no contact with XXXX XXXX other than a degrading phone call that was left for my mom claiming that she will be arrested if this debt was not paid. They are a straw debt buyer who has harmed several consumers such as myself. They have reported negative credit reporting to the credit bureaus. 

In the court case referred to above, the Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45a
Product: Checking or savings account

I opened an HSA ( Health Savings Account ) with OptumBank. I attempted to fund the account with the maximum contribution limit of {$7100.00}. Somehow, the transaction was processed twice and my account was debited twice. No pending transactions were listed on my account management page at the OptumBank website and my account balance registered as {$0.00}. When I contacted OptumBank about the error, they told me there was nothing that could be done and that I would be charged as making an excess contribution. They could not tell me where the excess funds went or why this occured.
Product: Vehicle loan or lease

During the last 6 months, we have had several problems with Ally Financial paying back this loan and tried to send a letter in the beginning of XX/XX/2022 to explain the situation, as some of it was largely due to XXXX  reasons and being incapable of making the payment and was also trying to use their phone system with our card but was not successful and needed forbearance. Since XX/XX/XXXX, I had the XXXXXXXX XXXX  of XXXX and was XXXX and was unable to do anything, and was in XXXX at the time so treatment was limited. This was also followed by a XXXX XXXX  where I had XXXX XXXX with about XXXXXXXX XXXX  on around XX/XX/XXXX through the month of XXXX and XXXX and was recovering. I have documentations of this as well During the brief time I was able to speak and try and check the situation, I tried giving Ally bank my credit card and they were unable to process it. I repeated it several times and and they wouldn't let me pay with that card. Then, the exact same thing happened with the debit card when I said it to them over the phone and they couldn't process it. I even tried in XXXX to apply for another credit card and when I was able to get into the online system ( which ALSO I had to call to get into, because it wouldn't let me log in or reset my password for awhile ) I was able to turn on auto pay after making my first payment over the phone earlier that day ( mid XXXX I believe it was ). 

Another issue I had was back in XXXX ( towards the end of the month around the XXXX ) I had turned on auto payments on the website and connected it with the bank but it clearly wasn't working I'm not sure what exactly happened. 

I'm not sure what late fees were imposed but they only waived {$10.00} as a result of this in XXXX and we have paid our payments for the last 2 months and are making every single payment on time and are caught up on our payments and are willing and able to do what's necessary to remove these late payments and have a good relationship with this bank. I've been a customer for 5+ years with them. I will pay whatever is necessary to remove these late payments and do whatever is necessary. I also paid in full once I was out of the XXXX  and made consistent payments on time.
Product: Debt collection

I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
Product: Debt collection

Threatening to contact my place of employment to garnish my wages without a court order. Telling me I 'm dumb and should just pay them. Continual calls daily.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls within XXXX XXXX 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

this was originally reported by XXXX XXXX but when disputed now it's showing up from another company. I've always had insurance and I am under the impression that this is an old hospital bill but can't get the original debt contact informant. These collectors are passing around my information like I don't matter
Product: Credit reporting or other personal consumer reports

I XXXX XXXX SUMMITED XXXX FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ;
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was subject to the largest data breach in history and my personal information is now compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate Experian, XXXX and XXXX for allegedly failing to address consumer disputes during the pandemic. The select subcommittee said it found evidence that the agencies discarded disputes without investigation. 
XXXX said the credit raters potentially violated the Fair Credit Reporting Act. Experian is violating the FCRA by discarding my dispute letters and refusing to remove the following accounts. Although I've provided Experian with a FTC report they are discarding my dispute letters and refusing to delete inaccurate information. 

XXXX XXXX XXXX, Unverified Account DEPT OF XXXXNELNET, XXXX, Unverified Account XXXX XXXX BANKRUCPTY-DISCHARGED, Court : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. Experian corrected about 52 % of the disputed late payments or other bad data. The subcommittee partly credited the pause on student loan payments and an increase in pandemic-related identity theft to credit reporting errors. Yet according to evidence obtained by the subcommittee, the credit raters discard millions of disputes a year without investigation. At least XXXX XXXX were thrown out between XXXX and XXXX, the subcommittee found. 

Discarding disputes violates the fair credit laws if any are submitted directly by consumers to authorized representatives.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : My correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I request that you update my address information accordingly. Delete ALL other addresses from my credit profile. 

My correct XXXX is XXXX XXXX. Please remove all other names and alias names to accurately reflect my personal information. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible.