23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient never offered me any form of relief from my high monthly payment other than forbearance or deferment. I have inquired regarding any type of loan relief possible from Navient and was never told that I qualified for income based repayment ( which I applied for yesterday ) and have been paying on my loans for many years despite being on mostly fixed income and I am currently XXXX years old and forced to work at XXXX for the last 9 years to sustain myself. I believe that my payments have encompassed approximately 17 years and that my loan balance has remained within only several thousand dollars during the entire term of the loans!
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that XXXX/XXXX XXXX XXXX .... reported negative marks 30 DAYS LATE on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Product: Credit card or prepaid card

I started to build my credit so I paid XXXX dollars for a secured credit card with Milestone. I paid every month for a year. This XX/XX/2022 I lost my job and made a XXXX payment. Now when I reached out to them to discuss a payment they said that my account is now with XXXX XXXX XXXX XXXX. I calleXXXX XXXX XXXX and they said my balance is XXXX outrageous. This is a secure card. I paid a deposit to be able to use only the XXXX no idea how I owe XXXX not even normal. 

They said I owed XXXX and rest is fees. How can a XXXX security leaves me owing them almost XXXX. This is a card that is fraud. I'm trying to build my credit and they say with them it will help. Ridiculous I'm shocked at this.
Product: Debt collection

The debt collection agency is Phoenix Financials Services. The debt collector had previously removed accounts due to insurance paying them. They have re-inserted two files back onto my credit report. They did not notify me at all regarding these re-inserts. The original dates of services from the hospital for these two disputes are XX/XX/XXXX and XX/XX/XXXX. I had Medicaid at  the time of services for both. One account is for the amount of {$360.00} and the other account is for the amount of {$390.00}. I have filed disputes with XXXX and XXXX.
Product: Debt collection

I have a medical bill from XXXX XXXX XXXX XXXX. I had insurance and this should have been billed through my insurance company. I didn't have my insurance card on me - as i was the one being seen so i called them back after i was released from the hospital and gave them my information. I didn't hear anything for months and then i get a collection in the mail stating this was never paid. I tried calling back to XXXX XXXX and they said it was moved to collections. I called RMP LLC for them to bill this to my insurance company and they said they can't. I don't even know what to do about this- i gave XXXX XXXX the info they needed and somehow my claim didn't get processed thorough insurance.
Product: Credit card or prepaid card

I have been told by over 3 representatives I would get my money back over the last year from Amazon ( the store ) but the Chase Amazon credit card dispute process will not give my money back because they stated after the 90 day return period closed and Amazon ( the store ) specifically told me I did not need to return any products that I would not be given my money back by Chase because I had to make a return and they ( Chase ) continued to charge interest while refusing to provide the refund. I am attaching all of the conversations that I have already sent to Chase where I was told I was being given a credit for the purchase by Amazon while Chase continues to refuse to comply with the Amazon credit from the company via these customer conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and seek your urgent intervention regarding apparent violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and personal data by the Department of Education and its contracted loan servicers. 

The Family Educational Rights and Privacy Act ( XXXX ) deems all student loan information held by the Department of Education to be classified as protected education records under 20 USC 1232g ( b ). This imposes strict legal obligations to maintain confidentiality and privacy over this sensitive data.

However, I have uncovered disturbing evidence that suggests my private student loan details have been mismanaged, improperly disseminated, and/or inaccurately reported without my explicit consent. Such actions constitute a flagrant breach of XXXX 's confidentiality requirements for education records. 

Moreover, these violations appear to run afoul of the principles laid out in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), which upholds the imperative of consumer reporting agencies handling consumer information fairly, accurately and with utmost respect for individual privacy rights per section 1681 ( a ) ( 4 ). 

Given the status of student loan data as protected education records under XXXX, any unauthorized disclosure or mishandling fails to meet the FCRA 's stated objective of ensuring proper utilization of consumer data with necessary confidentiality safeguards in place, as mandated by section 1681 ( b ).

I urge the CFPB to immediately open a thorough investigation into these alleged privacy violations by the Department of Education, student loan servicers and any other actors who have compromised the lawful confidentiality of my student records. Such transgressions are unacceptable and unlawful.

Please advise on the specific remedial actions, enforcement measures and systemic corrective steps your agency will take to address this complaint, hold violators accountable, and uphold my statutory rights to student record privacy and confidentiality as guaranteed under XXXX and the FCRA 's provisions. 

Thank you for your prompt attention to this grave matter impacting student privacy rights. I look forward to your official response and resolute action.
Product: Mortgage

XXXX payed the amount reported by my mortgage company on XX/XX/XXXX. My mortgage company is still showing past due and is charging me past due charges. 
I want these past due Charges removed and I want the payments applied to my account properly.. 
payments made and not credited.. 
XX/XX/XXXX {$19000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$32000.00} Mortgage number XXXX Right Path Servicing Attn Customer relations XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Company constantly calling on a daily basis with a false caller ID of XXXX. It is actually Portfolio Recovery Associates At ( XXXX ) XXXX. This is what my caller ID shows : Name : XXXX Location : XXXX, XXXX  XXXX I dont have a XXXX  account and XXXX  is not from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax being hacked has released my personal identity information.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with XXXX LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXXXXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and outdated personal information reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my credit file contains only accurate, complete, and verifiable information. Additionally, I am requesting that this dispute be resolved in accordance with XXXX XXXX compliance and XXXX standards for accurate data reporting.
Product: Credit reporting or other personal consumer reports

hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. XXXX, XXXX and equifax. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors have been using my credit report without my authorization to send credit/loan offers to my home. This use of my credit report is hurting because of the credit inquires this is causing. These inquires were not done by me and should not appear on any of my consumer reports. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Transunion has neglected to provide credit report and score on transunion.com website for 45+ days and again today they tried to not answer why I'm unable to view the report by redirecting me to another site. When asked why I was not able to view my report on their site as I've done so many other times? Their response was : Sorry it's taking us longer than expected to reply. We will respond shortly. 
Info - XXXX XXXX You can download a copy of your report via XXXX XXXX XXXXXXXX  Currently, everyone is entitled to a copy of their report, free of charge, on a weekly basis from all 3 national credit bureaus. Keep in mind this report does not include your score. 

try this now XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 

Bankruptcy XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX alance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Student loan

AMERICAN EDUCATION SERVICES - STUDENT LOAN I have been paying off this loan since my graduation in XX/XX/XXXX. I was unknowingly and unwillingly automatically enrolled in a " Pay Ahead Status '' with American Education Services.
<P/>I also willingly enrolled in their auto-pay program and have been paying my monthly payment without logging in or checking my account for years. <P/>After a letter notification in the mail that I was 19 days past due on my loan, I learned that I had not, in fact, enrolled in auto-pay for each individual loan through AES that makes up my total, but only for one of the loans that makes up my total. <P/>So how have I been paying those other loans on time until now? Forced, unknowing enrollment in the Pay Ahead Status program where all of my past large payments have been " banked '' instead of applied to my principal. <P/>I submitted several payments over the course of 7 years in various amounts over my monthly minimum ( {$37.00} ) such as {$100.00}, {$300.00}, {$500.00}, etc. I submitted larger payments whenever I was financially able to do so. <P/>I have just been notified today that those large payments have been " banked '' and then applied to my monthly payments each month ( less than 50 % of my monthly payment towards principal each month ), allowing AES to charge interest on the same large principal balance rather than me paying off my principal, even though I was up-to-date with all of my interest payments! <P/>I am not able to find any information in my online account regarding this program and was not able to find any information on how to DISENROLL from the program. After several phone calls and complaints to the company, I was finally notified today, XX/XX/XXXX of my unwilling enrollment in their Pay Ahead Status program. <P/>I am required to WRITE A LETTER to disenroll from the program and have my large payments applied to my principal. It is my money and my payments and I should be allowed to apply them however I would like to without the disguise I experienced with AES. <P/>I am educated on loans and spend A LOT of time investigating before I was able to get an answer on what the program is, how it affects my payments, and how to disenroll.
<P/>
AES must be required to provide more clear communication to their customers about their forced Pay Ahead Status enrollment and how to disenroll.
Product: Money transfer, virtual currency, or money service

It was check free pay thru XXXX to pay my XXXX car insurance for multiple months we didn't know the insurance wasn't getting paid till they repossessed our car. After spending multiple weeks calling them XXXX and XXXX, I was getting the runaround saying the other one had my money. The date of when XXXX didn't get its money the first time XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All was Paid thru check free pay at the XXXX XXXX XXXX. XXXX said non of these payments were received
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single month i am here to get my personal information corrected or inaccurate information removed with this company! I have told them several times what my information should read. You continue to add information that is not mine to my report. 
The ONLY RESIDENTS THAT SHOULD REPORT ON MY REPORT IS XXXX XXXX XXXX XXXX PA XXXX. I NEVER LIVED AT THE 2 LISTED ADDRESSES YOU HAVE ON MY CREDIT REPORT. WHY DO YOU CONTINUE TO PUT THIS ON HERE! 

I AM TELLING YOU TO REMOVE THOSE ADDRESSES AT ONCE! 
IM GETTING EXTREMELY SICK AND TIRED OF THIS! 

Match the information that has been provided and corrected by the other credit bureaus