23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a student loan with XXXX back in XXXX. I recently graduated from XXXX school in XXXX XXXX. I have n't recieved any mail from Navient with a welcome letter the address/phone number they had on file was incorrect. I put my loans in deferment with the department of education in XXXX XXXX they told me I would n't have to worry about any loan payments until XXXX XXXX. XXXX XXXX, XXXX I got a call from an old classmate saying Navient left them a message to contact them. I immediately called Navient to see what happened. Navient said I had made any payments to my loan I was confused because I was in deferment. I explained to them that I should be in deferment I filled out the paperwork in XXXX XXXX and I was approved. I reported that I do n't have a full time job as of yet and I 'm actively looking for employment. Navient said they understood and all I had to do was fax them unemployment forms which I did. I checked my credit score and I been report for 90, 180 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bearus on XX/XX/2023 with a letter that i reviewed my report and there was incorrect information and items on my report. I am trying to purchase a home and these items are causing me alot of stress because it is stopping my family from purchasing a new home. 
I started looking into the consumer laws and i found that there is alot of laws the credit bureaus are breaking but at this time the biggest one the consumer law that states the credit bureaus have 30 days to investigate and respond to me as we provide a updated credit report with the results. I have not heard anything back and this is very frustrating and concerning to me. I have attatched the first letter i sent out as well as the second letter i sent out with this concern with this matter. Please make sure this matter is resolved ASAP it has already been XXXX  days since my letter was sent out. I do not want to and by law do not have to wait any longer. .Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of my letter to respond to my request for re-verification of the erroneous items. I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( XXXX ) must be DELETED IMMEDIATELY attatched is also my proof of id and proof of address so you are aware and able to verify who i am. Please resolve this matter asap or i will be taking this matter further. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

First date of delinquency XX/XX/XXXX on a joint account opened XX/XX/XXXX. I was co/signer on account. The account was never brought current and surrendered in XXXX. The account was closed XX/XX/XXXX and bankruptcy was filed by other party not myself. The account was reported closed and showed not reported until XX/XX/XXXX was vehicle was sold. During all of remainder of XXXX, XXXX, XXXX, until XX/XX/XXXX I was showing account closed. I opened a credit card with XXXX  XXXX and XXXX card through them doing this time. No late payments with no other company until this shows up as XXXX dates in XX/XX/XXXX. This has now denied me credit increases with them after saying I was recently late and this is false, I want it fixed due to its too old to report since my date of first delinquency was XX/XX/XXXX and vehicle was closed and sold. This is terrible to do this to someone for something so old
Product: Checking or savings account

XXXX XXXX was my Chase XXXX maturity date for account ending in XXXX. I called up Chase rep and agreed and confirmed to send the {$30000.00} to my Chase savings account. Was informed that it could take XXXX business days to process. This did not happen and followed up with a call to get an explanation from them as to why it was not transferred as agreed. They informed me at the exact same time when the XXXX account money of {$30000.00} was withdrawn and CD account was closed, my savings account was closed at same time due to inactive activity. 
They informed me to wait a further XXXX days and to call back - no progress Called back on XXXX XXXX - XXXX progress, along with XXXX, XXXX and XXXX of XXXX to be told no update. I informed them on all occasions that this is my money and needs to be deposited to my account asap. Still nothing. 
On last XXXX calls they stated that they can not give me a timeline as its handled from the XXXX account department. Each call was for XXXX duration as I needed to go thru various hurdles to get to the escalation team, only to be told that I need to wait for XXXX team to update file..why do I need to wait now 9 days after Chase deducted the $ XXXX from my now closed CD account to XXXX of my savings account. During the first call, I gave them an alternate chase savings bank account to deposit the large amount of money to no avail
Product: Debt collection

On XX/XX/XXXX I was notified by the credit agencies that a negative report was filed against me for a collection. Upon further research the account was paid directly to XXXX XXXX. Additionally XXXX XXXX claims to have provided one notification via USPS prior to sending it to collections. Supposedly the collection agency listed below receive the file in XXXX. I have never been contacted by them in any way and yet they feel they can just post negative information. I have contacted them directly but of course no response. 

This collection agency was notified I would take action if they didn't rectify the situation for which they did not. 

HELVEY & ASSOCIATES IN Account XXXX
Product: Credit card or prepaid card

I used my XXXX card to purchase a large set of shelves online. The shelves arrived defective, I made many attempts directly with the merchant to return the shelves or get a replacement without any progress. I filed dispute # XXXX on XX/XX/2021 with Wells Fargo hoping the merchant would respond. The merchant did not respond to Wells Fargo for return or replacement info concerning my purchase. I have made many calls to my CC Wells Fargo to ask status on the dispute and all they do is followup. 

Per the terms of my credit card the merchant has 45 days to respond to a claim, as of today it is now 55 days and Wells Fargo has not received any info from the merchant. At 45 days after my claim, on XX/XX/2021, the claim should have closed and credit permanently issued to my account. My claim is being mishandled by Wells Fargo. 

See attached to confirm all info above.
Product: Credit reporting or other personal consumer reports

I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a Late Car Payment in my credit files that I would like to have revised. 
I purchased the vehicle in XXXX  before loosing both my businesses. During this difficult time that Late payments are reported, I was going through a very difficult time and with XXXX kids and loosing our income, I became disorganized with respect to making timely payments. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the 3 late car payments, i have been punctual. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX may preclude me from taking full advantage of the very lowest interest rates now available. I am requesting that you give me a second chance at a positive credit rating by revising those reportings. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption. I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
Product: Credit card or prepaid card

The Alliant credit card supposes to make a 2.5 % cashback on all purchases made before XX/XX/2020. Alliant Credit Union changed the policy to limited cashback to {$10000.00} per statement period starting on XX/XX/2020 on a letter dated XX/XX/2020. 

On XX/XX/2020, I make a charge of {$9900.00} on my credit card. They posted my transaction on XX/XX/2020. So Alliant didn't give 2.5 % cashback for all my charges from XX/XX/2020 to XX/XX/2020, as my purchase for the period is over {$10000.00}. Alliant included a charge I made on XX/XX/2020, of {$9900.00}. But this charges should be excluded from the limit as it was purchase before XX/XX/2020. 

They state that the transaction made on Thursday  normally take couple of days to post, but when I look through my transaction, there are transaction made on Thursday that posted the same day or the next day. 

I called Alliant Credit Union regarding this and they were not able to give me the cashback on my XX/XX/2020 transaction.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realize I have damages on my credit report! According to the 15 USC 1681 law there should not be any damages on my report! Its a defamation to my character.
Product: Debt collection

I contacted Midland Credit Management in XX/XX/2023 to confirm the debt they claimed was mine from a credit card, and have not received any information for proof of debt.
Product: Mortgage

I enrolled within a COVID-19 forbearance plan offered by my lender. The program was 18 months in total, which I was in monthly communications with both my lender and the 3rd party servicing company which serviced the forbearance plan. I followed all rules and regulations communicated to me via phone conversations and online instructions. Upon completion of the 18-month forbearance, I was instructed to make payments directly to the loss mitigation department, of which I have completed 4 transactions to date. All payments were applied and withdrawn from my corresponding checking account. 

I am still waiting for my paperwork, as I have only received payment confirmations via US mail. Per the guidelines set forth in the program, I should not receive any derogatory impact to my credit. Upon a monitoring alert and subsequent inquiry, I was indeed reported late ( 120+ days ) by my lender. I immediately informed the loss mitigation department upon discovery, where a dispute was then filed. I followed all verbal instructions given by the representative, who also had to make appropriate adjustments within my file to reflect the payment transactions.
Product: Credit card

I set auto pay for my credit card and the due day is every XXXX of the month. I received the confirmed payment email on XXXX XXXX XXXX XXXX  from Capital one bank, the details of the email are attached. 
After seeing this email, which clearly says PAID Amount and payment has posted so I thought the bank has successfully received the money. However on XXXX, XXXX  days after the due day, the bank charged me {$25.00} PAST DUE FEE and {$27.00} INTEREST CHARGE : PURCHASES, which I disagree since I had enough balance on my account to pay the payment back to the due date, and most importantly, the bank send me the confirmed email, it's the bank 's fault and responsibility to take long time to process the payment after sending the customer confirmed payment email. I have called the bank and they refused to give the refund for the unreasonable fee and charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 13 bad ( late payments ) marks on all three Bureaus. Which is a reflection not of my timely payment arrangement but the handling of paperwork sent to Nelnet. For 3 years or close too, I have been sending in information on not making enough to repay my loan. I make under XXXX a year, have 8 children and qualify for the {$0.00} a month payment  deferment plan. This has been worked on for years. Every time I send the paperwork for them to process or fax them the paperwork, it gets lost. During this time of " Losing '' paperwork, they get interest. Shocking that the interest keeps growing and my paperwork has yet to be found. After numerous calls and debates, they finally " find '' one of my applications and get me on a payment plan, starting this month! So 13 negative reports on my credit report, with all 3 companies, a total of 36 negative reports, because nobody could find any of the applications that have been sent in.

Upon further investigations, I am one of thousands that this happens too. I am currently seeking someone to help everyone that has had this problem since Nelnet can't fix the " reporting issue '' knowing I was a {$0.00} a month eligible. XXXX pay from XXXX to XXXX hasn't changed, yet I have to pay the price for someone not doing their job with my paperwork and possibly hundreds and thousands of others. The XXXX has so many complaints about this situation, it is sickening. 

What I would like done is a lawsuit against this financial institution for their unfair practice and scams to gain interest through not processing paperwork timely, correctly or at all. As a XXXX veteran, I will take this to every outlet possible to hopefully get this fixed for myself and hopefully others as well.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at Collection on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM of TranUnion inquiry misreporting issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. Inquiries to be deleted are as follows : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

Transunion has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed. 
I am uploading the information I received regarding this tax lien
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Product: Student loan

my income since XXXX/XXXX/XXXX to present is net loss of at least {$XXXX} to date, since I started my business. I have no taxable income to date for XXXX so far. I was in financial hardship deferment until XXXX/XXXX/XXXX payment was due. I submitted the INCOME BASED OR INCOME SENSITIVE REPAYMENT APPLICATION to lower payment AND SUBMITTED XXXX pages of proof of income, banks statements, profit & loss statement for my business on XXXX/XXXX/XXXX. and on XXXX/XXXX/XXXX because Navient specifically asked for PROJECTED ANNUAL GROSS INCOME, which I submitted on that day. After many phone calls to Navient, Navient keeps asking me for more document and keep saying they have more than 15 business days to process the request. It is apparent to me they do not allow lowering payment for me. Loan borrower has rights. I know the loan payment can not legally be more than a percentage limit of his/her income. Realistically, I can not pay with the money I DO N'T HAVE! meanwhile, I am getting penalized because I do n't have {$430.00} to pay every month. Acting illegally, Navient wo n't lower my payment. I do not want my loans to go to default!!! I keep logs of every phone conversations I had with Navient as proof. I did pay {$100.00} due on XXXX/XXXX/XXXX. I have many other personal and business bills to pay. 
I believe Navient is acting illegally. I request a fair hearing. My family household of XXXX are all eligible for XXXX program, it is based on proof of low-income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # XXXX .... XXXX Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I was contacted XX/XX/20 and again today XX/XX/20 from XXXX by a XXXX or XXXX XXXX claiming to be from FMA Alliance on behalf of XXXX XXXX  for a debt collection of $ XXXX. Wanted me to verify my information, which I would not do. 
Contacted XXXX XXXX directly on both occasions whom verified I have a positive account and nothing in collections.