23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently am the co-signer on my son XXXX XXXX XXXX 's loan. I pay {$100.00} per month on the loan with a current amount due of {$65.00}. When I looked at the loan balance only {$22.00} came off the principal amount. Looking further into the bill it show in the loan information section unpaid interest of {$52.00}. In the billing summary it shows I am being charged interest of {$77.00}. This is a significant discrepancy. I called Navient and spoike to XXXX ( Employee # XXXX ). When I asked her about this she told me I am being charge {$2.00} per day for interest. I told her about the difference in the 2 places where the interest was shown and she said that the higher amount was correct. So then I asked her why it shows current amount due as {$65.00}? she did not have an answer for that and kept repeating that I get charged {$2.00} per day. So I asked her that if I pay the current amount due every month does that mean my loan will never be paid off? she said yes that is exactly what it means. I told her that is ridiculous. How can you give me a minimum amount due and nothing comes off the loan in fact the principal grows. I think this is a deceptive practice on Navient 's part and they are taking advantage of young students. This practiced should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK/NWYRK & XXXX Opened XXXX. XXXX, 2016 Balance {$25.00} I'm concerned about the quality and reliability in your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not authorized and accounts that are not mine and one account that is wrong as far as the charge off notation
Product: Credit reporting or other personal consumer reports

I contacted all XXXX credit bureaus and companies via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) requesting they provide verification and that I signed authorizing my personal information to be tarnished by them. I requested evidence of authorization in alleged matter, authorization of law for my collection matter, authorization of law for their collection in alleged debt in my state, provide evidence or proof of alleged debt, including my signature of contact with my signature, and provide complete history including any charges added for collection ctivity. They did not do any of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused where XXXX  and Transunion get this public information Chapter XXXX Bankruptcy Discharged XXXX .. The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.
Product: Checking or savings account

Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was sent a letter from Equifax stating that I have already disputed this item twice and do not send another letter unless they requested, they tell me to send in a copy of my complete pay stubs in W2 forms and a valid Social Security card and proof the address and I sent that in with every dispute letter, so I'm confused. on what's the problem and I also told them do not send me another computer-generated letter that I was going to sue them for it not improperly investigating this information that is reported on my credit report Did, I received a letter from Trans Union saying that the information is accurate Hey for me to file FTC report and I have done that already ...
Product: Credit card or prepaid card

XXXX has charged my Bank of America " Unlimited Cash Rewards '' XXXX  credit card {$5700.00} but I have NOT received any goods, merchandise, or services from XXXX ; I have unsuccessfully disputed this charge with Bank of America which has refused to remove this bogus charge from my credit card ; I request the Consumer Financial Protection Bureau to remove this bogus charge of {$5700.00} from my credit card ; XXXX XXXX XXXX of the XXXX Billing Department at telephone number XXXX told me that he is willing to refund the charge but that he has NOT received any of the money yet from Bank of America and as yet he has no payment from Bank of America to refund on my behalf ; I request the Consumer Financial Protection Bureau to remove this amount of {$5700.00} from my credit card bill ; thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX failed to inform the credit bureaus of my ongoing dispute regarding this account. Furthermore, despite my request for information, they only provided a blank form with a computerized signature where it looks like someone copied my signature from something. XXXX XXXX has been unresponsive in verifying the debt and has repeatedly sent forms that do not confirm my ownership of the account or any outstanding balance. Additionally, they have continually altered their reporting information to the bureaus without acknowledging my dispute. 

XXXX XXXX has violated numerous laws by failing to provide validated evidence that I owe any amount or that the account even belongs to me. They have intentionally quadrupled the reported balance, causing me harm without substantiating their claim that the account is mine. 

The account number on the credit report says XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax to dispute that they were still reported an installment account that I had with XXXX XXXX XXXX as open and late when in fact the account is closed, paid in full and no late payments as verified by XXXX XXXX XXXX when I spoke to them. When I Called XXXX, they verified that they have indeed reported the pay off information to all three credit bureaus including Equifax. XXXX and XXXX are reporting the account accurately ( paid in full, never late ). When I called Equifax to file a dispute they replied that the information they have on file was verified with XXXX but HOW if XXXX is reporting the account CLOSED, paid in full and never late. I am led to believe that their alleged investigation was frivolous and not thorough enough to lead to the conclusion of leaving the account as verified. This has severely damaged my ability to obtain credit, namely, getting another car. I have attached my paid in full letter given to me by the dealership on XX/XX/2022 which is attached. The account needs to be updated by Equifax as closed, paid in full, never late. They have been given more than 60 days to thoroughly investigate this therefore I will not accept a dispute period of an additional 30 days. 15 days should be adequate time to update their records. If this is not corrected my next step will be to file a lawsuit against them. Please advise
Product: Debt or credit management

It's serval companies taking money out of my account with my concent. XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX kickoff
Product: Student loan

My student loans ( undergraduate and graduate ) have always been paid on time. They were most recently held by Navient. Because I have made timely payments, I was sent an offer by Navient and NaviRefi to have my loans consolidated into one payment with an interest rate offer of 3.25 %. In late XXXX, 2021 I called Navient and submitted the paperwork to accept this offer. I was not made clearly aware that NaviRefi was a private company and my loans would go from government-held loans to now private loans. NaviRefi is owned by Navient, they are on all of the same logos as Navient and in my mind, there was not a clear indicator that they were in a position where they would change from government held to private loans. This information was hidden in the fine print and also hidden in the fine print was that I would no longer be eligible for public service loan forgiveness now that they are privately held. I am a School Counselor and public service worker and have been during the past 10 years of my career. My salary is minimal and being eligible for loan forgiveness would greatly improve my financial position. I feel that Navient/NaviRefi were not forthcoming with this information at all. I called and shared this situation with them to see if we could reach some sort of arrangement, and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company about a account thats on my report that i have no knowledge I never leased anything from MONTEREY FINANCIAL SERVI or XXXX  XXXX XXXX this is a illegal account nd loan type Account XXXX Account typeLease Responsibility Individual Date openedXXXX StatusOpen. {$560.00} past due as of XX/XX/2022. Status updatedXXXX 2022 Balance {$4500.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$260.00} Original balance {$4500.00} Highest balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, TransUnion and XXXX. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft. 

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 accounts 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 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 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 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: Debt collection

I SENT THIS COMPANY A COPY OF MY CREDIT REPORT SHOWING I DID NOT DO BUSINESS WITH THE COMPANY THAT THEY ARE COLLECTING FOR SINCE 2006 IN WHICH THAT ACCOUNT WAS PAID FOR. I HAVE NO KNOWLEDGE OF WHAT THEY ARE COLLECTING FOR AND THEY HAVE NOT SENT ME ANY EXPLANATION OF THIS DEBT EVEN AFTER I SEND THEM CORRESPONDENCE ADVISING THEM THAT IT WAS NOT MINE. NOW THEY ARE STARTING SOME LEGAL PROCESS.
Product: Debt collection

On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you
Product: Credit reporting

I disputed XXXX accounts with transunion credit reporting agency informing them that these accounts were reporting inaccurately and to please remove off my credit report. When I received the results the accounts came back verified. I then called the original creditors and they were not able to provide me with information regarding the accounts I disputed. I then called transunion and request the method of verification to be provided to me. They told me they do not have any documentation to provide to me and that I need to contact the original creditor. I then informed them that I did in fact contact the oringinal creditor. She then stated that that is where they got their information from and I was like please provide me with this information and she stated she can not give me this information. I informed her per the fcra that o have the right to request method of verification and she said yes you are correct and to contact the oringinal creditor. I then informed her once again that I did talk to the them and I can provide you with the name of the person I spoke with, the time, the telephone number as well as the department and they all told me that they do not have any information regarding those accounts. I then asked to be put on the phone with a supervisor and she told me to hold and then she hung up the phone on me. The accounts that I am requesting to be removed are : XXXX/express acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Product: Credit reporting or other personal consumer reports

Experian Subject : Dispute of Inaccurate Information in My Credit Report. 

XXXX XXXX this debt is being reported as a charge off. However this is actually considered income because I should have received a 1099C form in the mail in order to account for this as income however it is being reported as a charge off I am requesting that this is removed because this is not debit this is considered income and should not be reporting on my credit report Discrepancies in comments ( e.g., " Charged off as bad debt ). 

In North Carolina, the statute of limitations for debt is XXXX years from the last activity on the account. This means that creditors have XXXX years from the last payment to file a lawsuit to collect the debt Experian : Date XX/XX/XXXX Experian : High credit reporting {$5400.00} Experian : Credit limit reporting {$4500.00} Date Last Active reported as XX/XX/XXXX Date last payment reported as XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent money through MoneyGram, I dont know where the money went. I contact them, they said the money has been sent, but the money did not arrive to the receiver. I told them to cancel the transfer, they dont wan na do that
Product: Credit reporting or other personal consumer reports

My account is incorrectly reporting a status of late payments. I've always had stellar payment history on this account, and therefore I mailed XXXX XXXX XXXX XXXX to fix it. I also asked them to provide me with validation about the error, which they never did. So basically they fraudulently reported late payments to the CRAs and now my account status is wrong. The status on the other two beaureaus shows PAID AS AGREED.

I also contacted Experien about this because the other two beureaus are showing paid as agreed. Experien did not fix it either. I'm so frustrated!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed business for 7wks, The lender offered a XXXX forbearance month. The proof is attached. I paid in XXXX AS AGREED. I was NEVER 30 days late. The documentation will corroborate the FORBEARANCE.
Product: Debt collection

Company continues to call me throughout the entire day from different numbers. I have asked them to stop previously through the CFPB and they have not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of an incorrect address on my credit report. The address in question is : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( And all similar variations ) I certify that I have never lived at this address nor have I ever authorized any of my financial or personal information to be associated with it. 

This mistaken listing constitutes a significant error on my credit report that could potentially mislead creditors and impact my financial opportunities negatively. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate, complete, and up-to-date information on my credit report. 

Please note the following potential FCRA violations that may be occurring due to this error : Section 1681e ( b ) of the FCRA requires that all credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The inclusion of this incorrect address might reflect a failure to comply with these procedures. 

I am requesting that this address be removed from my records promptly. Please conduct a thorough investigation into how it was included in my credit report and rectify the error without any delay. 

Attached, please find copies of my identification and a recent utility bill confirming my actual address to aid in your investigation. I kindly ask that you notify me of the conclusion of your investigation and inform me about the steps you have taken to correct the error. 

Thank you for your attention to this matter. I expect your prompt response within the statutory timeframe as provided by the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXXXXXX XXXX XXXXXXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 
How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the DOB would be right would it not?

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.
Product: Vehicle loan or lease

On XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX in the the amount of {$13000.00} that 's including all taxes and fees from XXXX XXXX, XXXX XXXXXXXX XXXX. I completed all paperwork including finance contract for the amount listed above. 

On XXXX XXXX I was checking another account that I have with Capital One and was surprised to see my car loan amount of $ XXXX realized that something unethical, illegal and possibly criminal occurred. I later found out that the financial XXXX, XXXX XXXX, added an extended warranty that I did not purchase. I put 2 and 2 together and realized that on XXXX XXXX when I went to pick the vehicle up is when this must of occurred. XXXX had me sign papers of which I received no copies. I thought this was part of the normal purchase process.