23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has ruined my credit report. I have been faithfully having {$100.00} every month taken out of my bank account for the last couple of years and when I signed up for their program they said that the monies will go directly to the principle. Not true, my cosigner has been trying to get a loan and on my report it says I have n't been paying at all " charge off. '' Upon further digging today I found that they are charging my interest. I wish I would ha e known because I would ha e claimed it on my taxes in XX/XX/XXXX and XX/XX/XXXX. I got not letter from them saying that I paid them interest. Today I was on the phone e with them for well over an hour and they just kept making me hold or sending me to another department that just passed me on to another and another. They offered my coborrower a payoff to take his name off my loan in the amount of {$3000.00} and then said they would write the whole loan off if he came up with {$600.00}. Both of us would qualify for a loan to pay this off if they have n't been reporting that I am not paying. I have had problems with this loan in the past when they were taking payments when they were not supposed to. My account according to them is on track because of the {$100.00} a month payment, but then I switched departments and they say because I have n't been making the full payment I am delinquent and that 's why my credit report says I have a charge off. Why set a payment plan up for me and tell me I am all good and then write me off as a delinquent account? My coborrower says they have been calling him every day, but they have n't called me to tell me what they are offering him or that there is even an issue with my account. I see on their website that there is a way to relinquish the coborrower, but I need good credit. How could I have good credit if they are the ones ruining it? Even though I have a payment plan with them they are charging me the remaining balance due every month. I had no idea that they were doing this. I thought that the repayment they set up with me was covering everything and all of it was paid towards the principle. They pulled a fast one on me and I ca n't believe I trusted their word, never trust your loan holder is what I am now thinking. This is the second time they have done me wrong. I have no way out, they wo n't make the {$5600.00} I owe them RIGHT now go away to clear my credit score, even though I have been paying them. Help me, please ... if there is anything you can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts XXXX XXXX XXXX appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted Experian XXXX and XXXX I still have yet to see the changes made to my reports
Product: Debt collection

Called XXXX XXXX  to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to Levy Law Firm Co. , LPA. Made several attempts to contact Levy Law Firm Co. , LPA and have had no success. Even though XXXX XXXX says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.
Product: Mortgage

my monthly payments is going to high for me, they increase the mortgage payments,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I had a secured credit card with XXXX XXXX. XXXX XXXX closed my account and placed account in collections as a charge-off and sold to Portfolio Recovery who is reporting the inaccurate information to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) XXXX I have tried to contact XXXX XXXX on several occasions to provide me with a copy of my original contract and to provide me the receipt of payment from my initial secure deposit. XXXX XXXX Representatives have told me that I need to contact Portfolio Recovery regarding the issue and when I have contacted Portfolio Recovery they inform me I need to contact XXXX XXXX Portfolio Recovery is currently reporting my account as open which is inaccurate and there is also an inaccurate balance of {$610.00} being reported as well. When Ive requested for my original contract, I have only been sent a past statement which does not show my contract terms, date contract was signed or the secure deposit amount paid to open the account. If I owe a debt, I would be more than willing to pay that debt but I will not pay a debt amount that is not accurate. The inaccurate information being reported on my credit report has been affecting me negatively, and I have been denied for a bank account, employment, and housing due to the negative information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Safco has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support removal I have check my credit report and seen the 3 credit bureaus XXXX, TRANSUNION, XXXX have reported child support on my credit profile without my authorization & I will like this deleted & will sue {$1000.00} for every error on my report if not fixed within 30 days this has stopped me from getting a house and is hindering my life Accounts XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence PLEASE REMOVE ASAP Sincerely XXXX XXXX
Product: Vehicle loan or lease

Westlake finiacal showing a balance of XXXX owed when car was totaled in XXXX paid them off I havent had the car in 4months I need it removed off my credit report
Product: Mortgage

My account was transferred effective XX/XX/XXXX. As of XX/XX/XXXX I had not received a welcome package and when I called Shellpoint I was told they had no account with my name. 

I received a welcome package on XX/XX/XXXX. I again called to make a payment and was told they did not have full access to my account information and that once they did they could go over my account. 

I received a mortgage statement on XX/XX/XXXX and again called to attempt to make a payment. I was told they were not able to because they were missing disclose forms. I asked to speak to a supervisor and was told one was not available. 

The account was transferred without my input to a company that has demonstrated a lack of professionalism in processing new accounts in a timely manner or providing me with information on my account. I am attempting to purchase a new home and unable to bring my account current.
Product: Credit card

Charges were made to my XXXX XXXX without my knowledge or consent. Also a Citi bank diamond preferred account was opened in my name without my consent or knowledge
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Friday XX/XX/2019, attempted to get a new car loan through my credit union,  was denied because they use Experian as their sole credit provider and Experian showed me as have no credit. I checked with both XXXX and XXXX and they both showed me as have an extensive credit history with good credit ( rated A ). Attempted to contact Experian by telephone, many layer of voice prompts provided little opportunity to talk with a human. After many telephone calls was able to reach a human, but was advised I had no credit history. Explained my credit history with XXXX and XXXX and was transferred to another individual who looked deeper into the problem. After some review by that person a case was opened to attempt to fix the problem. Wednesday XX/XX/19, attempted to contact Experian by telephone to check on the progress of my case. Once again many layers of voice prompts. After more than 45 minutes of transfers and holds reached someone in the " dispute department '' who explained I had no credit history. Got that person to look deeper in the issue and they advised the problem was being researched but could provide a resolution date.
Product: Money transfer, virtual currency, or money service

On Friday the XXXX Robinhood locked my account because I was send money to my other wallet and they have not contacted me since, every time I request a call they call me and hang up immediately and this has been going on since Friday and it is now Wednesday the XXXX Ive been hung up in three times already today. I need this money from there asap and its an emergency please help me!
Product: Checking or savings account

I went in to Old National Bank in XXXX Illinois on XXXX  XX/XX/24 around XXXX XXXX  to make a deposit. I deposited cash and a check drawn on ONB ( Old National Bank ). I later noticed that only the cash I deposited was available. I verified the Deposit Disclosure from ONB and they state that funds from a check drawn on ONB are available same day. I reached out for a correction. I left XXXX voicemails with the XXXX branch at XXXXXXXX XXXX XXXX and at XXXX XXXX  ish. I also reached out to ONB Client Services at XXXX XXXX  for assistance. The representative attempted to reach out to the XXXX branch and was also unsuccessful. She left an email for the branch manager. I never heard a response from the branch and my funds remained unavailable until the next day, which is not correct according to the Deposit Disclosures.
Product: Checking or savings account

on XX/XX/2021 my checking account balance was low so I transferred money from my saving to my checking account to cover purchases. After I made the transfer i made a few purchases. Usually, when I transfer money it becomes available right away or at some point the same day. This time they didn't make my found available until the next day after my purchases were posted to my account causing me to overdraft 3 times and refusing to reverse the fees.
Product: Debt collection

Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. I have never allowed Amerifinancial Solutions to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and all of these accounts need to be removed from my credit reports.
Product: Student loan

I submitted employer certification signed by my employer certifiying government employment for XX/XX/XXXX through XX/XX/XXXX for the PSLF certification on XX/XX/XXXX. FedLoan Servicing only updated XX/XX/XXXX as eligible/qualifying payment and refuse to update the other month as qualifying. I have contacted them several times about this issue and they still have refused to fix the issue. I am confident I am not the only victim of their inability to process the certifications properly. 

I have also submitted employer certification with proof of employment for an emergency management company for the months XX/XX/XXXX through XX/XX/XXXX, also in XX/XX/XXXX. The employer is a single owner who refuses the signed the form for personal reasons against me. They continue to refuse to process this PSLF application or provide a reason for their refusal. I spoke with a representative and submitted additional documentation in XX/XX/XXXX, including XXXX 's for XXXX and XXXX. They continue to refuse to process the form and update the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Equifax dispute, confirmation number : XXXX Was informed the dispute would be resolved by XX/XX/XXXX. 
Now, after checking almost daily for a month for the results online, I am no longer able to check the status online as Equifax claims my information does not match their file online. 

I called and spoke to an outsourced Equifax customer service representative on XX/XX/XXXX and was able to get verbal confirmation that the credit dispute had been completed, but I am unable to get written confirmation that the disputed item has been resolved. During this conversation the customer service rep reported he believed my address was listed in error and tried to update it, which I believe he input incorrectly and I did not receive a confirmation email of this change either. 

Today, XX/XX/XXXX, I have tried to request my Equifax credit report to verify that the item in dispute was updated or deleted, and my online request was denied both when utilizing XXXX and equifax.comXXXXXXXX and I am unsure if it is related to this customer service representative 's change of my information or for an unrelated reason. 

I am unable to get a human being on the phone who can help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.
Product: Checking or savings account

On XX/XX/XXXX, Robinhood placed my investment, spending, and cryptocurrency wallet on " restriction '' after I called about a declined debit card transaction and ATM withdrawal attempt at XXXX XXXX  of XXXX Indiana. Since then, I have been left in the dark regarding the reason for the investigation and the duration of time they will be holding my money hostage. Currently, I am unable to access support on the app, and I have no means of contacting the company. Although I have provided verification documents, including my state ID and bank statements, they have not provided any explanation. The message I receive states that I am " already on a call with Robinhood '' and that I will receive results of their review in 7-10 business days. This prolonged period to hold someone's funds without any prior warning or explanation is highly concerning.
Product: Credit card

b'I am XXXX XXXX  and I am filling the CFPB complaint to formally request the immediate closure of my XXXX XXXX Date opened XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX credit card account with your institution. \nI am the account holder, and I am initiating this closure voluntarily.\nThis request is made pursuant to my rights under the Truth in Lending Act (15 U.S.C.  1601 et seq.) and Regulation Z (12 CFR  1026.11), which grants consumers the right to close credit accounts and requires that any credit balances be refunded promptly.\nI respectfully request that:\n1.\tThe account be closed at my request, and that it be reported to credit bureaus as such ("closed at consumer\'s request").\n2.\tI receive written confirmation verifying that the account has been closed with a XXXX balance.\n3.\tIn compliance with 12 CFR  1026.11(c), if there is any credit balance over XXXX on the account, it must be refunded to me within seven business days of this written request.\n4.\tNo additional fees, charges, or penalties be assessed following the date of this request.\nPlease confirm receipt of this request and the closure of the account by contacting me. Thank you for your prompt attention to this matter.'
Product: Debt collection

I was contacted in XX/XX/XXXX by a woman who threatened that if I didn't resolve my old debt with XXXX XXXX for the balance of {$2600.00}, that a process server was on the way to my previous home address where my family was located. Being fearful of potential embarrassment and not wanting the added stress of legal matters, as I was about to become a father 4 months later, I agreed to settle the matter under duress. I was then transferred to another representative by the name of XXXX ( XXXX, XXXX ), where I was set up on a payment plan. I made an initial {$200.00} payment followed by $ XXXX for 24 months, with the option for the entire debt to be wiped away if I paid {$1100.00} by XX/XX/XXXX. The company is with Lewis , McDonnell & Associates. 

Recently, I was terminated by my job in XX/XX/XXXX. While I was able to make the XXXX payment, I called in to explain the situation for XX/XX/XXXX. The debt collector told me that they would give me until the end of XXXX, but, then threatened that if a payment wasn't submitted, that a lawsuit would likely follow, despite a balance of less than {$1000.00} remaining. I then started thinking of the call in XX/XX/XXXX, and by luck, an assignment within XXXX XXXX XXXX XXXX focused on the XXXX Fair Debt Collection Practices Act where debt collectors can not call impersonating attorneys or threats of any litigation. I now believe that not only was I unfairly and misled into this debt, but, if an investigation proves so, then I want the debt wiped clean and want all money paid to them to be returned, as it was a contract that was entered under unlawful practices.