23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed in a request to all 3 credit reporting agencies ( Experian, XXXX and XXXX ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from XXXX and Experian, and a score from Experian, but have not received any report from XXXX or any of the other items I had asked for. 
On XX/XX/2024 I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/2024 I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever. 
I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.
Product: Payday loan, title loan, or personal loan

Company approved me for a business loan of XXXX but pay them back XXXX in XX/XX/21. 
They debit XXXX a day from my business account mon-fri. 
I recently left the contract I used the loan 4 to start up. They couldn't pay what they promised so I went back to old job under another contractor and had to stop my business. 
They held last 3 checks for 90 days to ensure no claims were issued. I told XXXX I need to pause payments until 2 weeks so I can pay with new job settlement. 
They would not do that so they spiraled my account into negative. Down to XXXX I then asked 4 another loan so I can use business account to pay them Now there saying after 5 days of non payment they will add XXXX on the balance 2pay back. 
They have handled this wrong and would not help me in anyway. My business account is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory Information has been placed on my account by Acima Digital and it needs to be removed. acct number XXXX. 15 USC 6801 ( a ) The Gramm Leach Bliley Act states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. I did not give consent for XXXX XXXX XXXX to share any of my information with any nonaffiliated third party. Acima Digital is currently furnishing a Charged Off account on my consumer report. The Internal Revenue Service defines a charge off as income also known as a certificate of indebtness and according to the law Income can not be reported. Furthermore, there was no notice of my right to Opt out of credit reporting that was clear and conspicuous in accordance with the Gramm Leach Bliley Act. According to Acima Digital 's privacy policy they only share information with their affiliates and no other. This charged Off account needs to be removed immediately. This directly violates 15 USC 1692d ( 1 ) in which XXXX XXXX XXXX has harmed my reputation by reporting this derogatory information. Per 15 USC 1681n ( a ) ( 1 ) I am entitled to compensation of monetary relief of {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

After looking at my Credit Report I have notice a Hard inquiry from XXXX XXXX , that I didn't authorize as part of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
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

I am writing to dispute the following information that appears on my Experian consumer report : Account Number : XXXX Source of dispute information : XXXX Bank Type of disputed information : Inaccurate data associated with a credit card account Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with 15 U.S. Code 1681i -Procedure in case of disputed accuracy, Experian has violated my federally protected consumer rights. Which are multiple violations have been made against me, please see attached credit reports and correspondence I received from XXXX Bank with all inaccurate information reported by Experian. When reviewing my credit profile I noticed, Experian has my personal information incorrect, the status CO should not be reported, the date of the initial charge off is inaccurate. Experian is reporting the initial charge of date of XX/XX/XXXX. According to correspondence I received from XXXX Bank the initial charge off date for this account was XX/XX/XXXX ( this information is highlighted in the attached documents. ) The credit limit ( {$6000.00} ) the charge off amount ( {$6300.00} ), and the past due amount ( {$6500.00} ) are all different. This is not legally plausible thus inaccurate. Furthermore, Experian is the only credit bureau reporting this inaccurate information as evident by the attached credit reports from XXXX and XXXX. This is also a violation. I demand the deletion of said information from my credit profile and I demand {$1000.00} per violation, for the listed infractions associated with XXXX Bank account # XXXX.
Product: Credit reporting or other personal consumer reports

I have identified unverifiable, invalidated, inaccurate, and questionable items on my credit report that your agency has failed to ensure are reported accurately. 

Under the Fair Credit Reporting Act, all information on my credit report must be reported with 100 % accuracy. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence previously sent regarding this matter. I request that you promptly remove all inaccurate information from my credit report as required by law.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Debt collection

I would like to file a complaint against synchrony bank. My Synchrony bank credit card was initially {$1200.00}. I paid it down to {$900.00} dollars. In XX/XX/XXXX. I lost my job due to COVID-19. I continued pay synchrony bank using my savings account. My minimum amount due was {$20.00}. In XX/XX/XXXX my payment was late. I contacted synchrony bank and advised them that I lost my job due to Covid-19. I requested that the late fee be removed and was told it had to be sent to a supervisor. In XX/XX/XXXX, I depleted my savings account and was unable to make a payment to synchrony bank. In XX/XX/XXXX, I made my regular {$20.00} payment. I was told that I did not make the full payment, and now I owed an additional {$60.00} plus late fees. I requested to speak to a supervisor. I explained again to the supervisor that I called in and reported that I lost my job and I want it all late fees removed. The supervisor told me that they only offered a courtesy for the removal of one late fee and that I still owe old late fees for XX/XX/XXXX. She advised late fees would continue to increase by levels if not paid. On XX/XX/XXXX I called to settle my account with synchrony bank. One rep said I owed {$340.00} in late fees starting from XX/XX/XXXX. Another rep said that I owed {$340.00} in interest payments. I explain to her that the account is interest free until XXXX. I spoke with XXXX XXXX employee ID number XXXX. She explained that I should have been offered at least a three month forbearance. I questioned why I was not offered the forbearance after notifying two representatives and one supervisor that I lost my job. XXXX was able to locate calls where I notified reps that I lost my job due to Covid-19. XXXX stated she did not know why forbearance was not offered. She advised me that my account balance is {$1200.00}. This amount includes {$900.00} balance plus late fees dated back to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XX/XX/XXXX investigation about how the account is actually reported to all three credit bureaus .Wether or not is Metro-2 and E-Oscar Complaint. 
Please reference to the CFPB complain copy attached. 
On XX/XX/XXXX Company replied that the debt is valid .I have NOT questioned validation of debt. 
I requested investigation several time already please see attached and have not received anything that looks like investigation report or even contract with my wet ink signature that I owe this company anything. 
According to XXXX ( XXXX and XXXX are not even reported, because account is not verifiable ) last time this account was reported in XXXX. 
That means that investigation was never started and/or completed. 
According to Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) : The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
In addition to that : Section 312 of the FACT Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 
I addition to that : Direct Disputes Rule : 1022.43. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in XXXX, it allowed consumers to also file disputes directly with the furnisher. 
Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Investigation Procedures. Under 623 ( b ) ( 1 ) )
Product: Debt collection

Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of XXXX XXXX, I have never had a XXXX XXXX account, I was an authorized user on some of my friends accounts but not sure if XXXX defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.
Product: Student loan

I was told around XX/XX/2021 that I was no longer eligible for the federal Covid extension on loan payments because my loan is owned by Navient and not the Department of Education. Ive struggled to pay the loans since then. Also in XXXX, I requested information from Navient regarding their purchase of my loans. I have yet to receive this information. Finally, I have questions about the principal and balance on my loan, which Navient has yet to explain. Im certain that the original amount of money borrowed was around {$36000.00}, but Navient has my principal amount owed around {$160000.00}. I want Navient to send me a full accounting of all the interests that has accrued on my loan since they started servicing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit with XXXX XXXX through XXXX and XXXX reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me Experian had made a remark on my report and that is why XXXX dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
Product: Checking or savings account

In the process of selling a product on XXXX  a scammer began the purchasing process with me. I received emails with instructions from a fake XXXX account. The scammer sent numerous emails requesting that I send money to the fake XXXX account that was provided. I realized it was a scam once she requested to see my checking account. In total I sent XXXX to the scammer. I provided the screenshots of our conversations and the bank denied my dispute.
Product: Mortgage

Tried to modify home loan with Caliber Home Loans again, and again they keep losing the paperwork and or say they will send paperwork to fill out, but it never comes. 
We are now a few months behind, but have the funds to catch up on the loan, but Caliber Home Loans refuses to provide us with a statement of current balance. In fact, Caliber Home Loans has not mailed us a statement in over 6 months! How can we pay when our payment amount to catch up is unknown?
Product: Checking or savings account

I'm not certain how much money they stole from me. It was during covid. I called them about it and they told me they was recording our co versatile so I told them I was recording the call on my end as well. The customer service lady told me she wasn't going to talk to me because I was breaking the law which I wasn't. So later that afternoon I called my local branch and they hung up on me. So I got no where but a bunch of money stolen from me and could do nothing about it.
Product: Mortgage

Between XXXX XXXX and XXXX XXXX my monthly payment changed from {$83.00} to {$190.00}. They claim the prime interest rate went up. so there was nothing I can do.
Product: Mortgage

XX/XX/XXXX, XXXX transferred my loan service to Bayview Loan Servicing ( BLS ). Since I made my XX/XX/XXXX payment to XXXX, my payments were not starting until XX/XX/XXXX. During this time, I was at the last few months of my bankruptcy, and BLS had to submit a payment history, form XXXX, " Response to Notice of Final Cure Payment ''. This report indicated that I was 2 months behind. After review, I noticed discrepancies in the report. Based on my agreement with the court, I had to make all monthly payments. I submitted a inquiry to BLS along with information pertaining to my account to correct the issue. Over the last 9 months, I have been trying to resolve this issue. XX/XX/XXXX, I was given a point of contact, XXXX XXXX. My understanding was she was familiar with my account. She wanted me to apply for a loan modification. I told her I did n't want that, I just wanted her to review my account. She proceeded to tell me to go through the mod while case is being reviewed. Told her I would n't qualify, because I was working and making a nice income. A month goes by, not approved for the reasons I stated. It just seemed that BLS wanted me to endure more fees and {$750.00} appraisal fee. After all this, XXXX XXXX had none of my inquiries in my file and she could not even give me any information. Continued my inquiries into my account. On XX/XX/XXXX, I received a letter, I had to XX/XX/XXXX to bring my account current or foreclosure will be accelerated. On XX/XX/XXXX, I contacted BLS was given my point of contact for my account. His name XXXX XXXX. I set a phone meeting On Friday, XX/XX/XXXX, I started talking about my account and to discuss my inquiries into my account, to find out he has none of my information in my file. So 9 months of communicating and nothing in my file. I had to email all my documents so he could send to the research department for review. Since then, XXXX had communicated he would set up a payment plan and once the results from the review was complete, he would let me know. On XX/XX/XXXX, I received a response letter concerning my payment history from XX/XX/XXXX to XX/XX/XXXX, as well as, the missing 2 payment months BLS is stating I am missing. BLS could not supply me with any information prior to XX/XX/XXXX because they did n't service the loan. This is inaccurate because the BLS representative had to review my history to submit the form to my court trustee. This tells me that BLS has not thoroughly reviewed my account. My point of contact, XXXX XXXX, is doing the same thing XXXX XXXX did, trying to modify. I will not qualify because I work and my money to expense ratio is fine. It seems BLS just wants to continue to charge me fees rather than try to resolve my issue. I have supplied my bank statements, spread sheets, court docs, etc.. I even communicated to XXXX customer service. The last customer service rep I spoke with, stated that all payments were accounted for when account transferred along with my payment history. The rep did suggest I talk with BLS and have them re-set their bankruptcy system and log information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, working for the same institution for over 20 years. The Public Service Loan Forgiveness program was a godsend, after earning the degrees necessary to enter the XXXX XXXX. Once on the program, I certified my employment and verified our income in order to maintain the terms of the program. Despite XXXX XXXX mishandling, we were relieved the bulk of our remaining balance was forgiven after ten years of never missing a payment. The remaining balance could not be explained, so XXXX had me on administrative forbearance until they could work it out. Then my account was transferred to MOHELA. We were thrilled to receive a letter in XX/XX/2023 from MOHELA stating that the remainder of our loans had been discharged and we were no longer required to pay. Imagine my surprise when I was given notice in XXXX that I would resume payments. Since then, I have been on the phone with MOHELA for hours, missing multiple days of work trying to figure out what went wrong. Worse, at the end of XXXX, the US Dept. of Education made an automatic withdrawal of approx {$550.00} in repayment of the loan. This was money I had set aside for groceries for my family of XXXX. I have spoken to countless representatives at MOHELA at varying levels. No one can explain why I am in repayment. All assure me that they will place my account on PSLF forbearance and it doesn't happen. I currently " owe '' a loan payment at the end of the month despite multiple assurances that I will be placed on forbearance. In the meantime, I have worked with my US Representative, XXXX XXXX XXXX office. They communicated through their congressional liason my complaint and indicated that many people have complained about MOHELA. I also filed a complaint with the Federal Student Aid Ombudsman. When I spoke to XXXX ( XX/XX/2023 ) who presumably is in the ombudsman office, he indicated that not only had I satisfied the terms of the loan, but according to the National Student Loan Data System, I had made 135 qualifying payments! Please help me make MOHELA accountable. I have met and exceeded my obligations according to every representative I speak to - yet, they still send me bills.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX took a look at my credit report and saw some accounts that had no consent to open the line of credit. Sent documents to Equifax, XXXX, XXXX. Never received any mail or any updates from EQUIFAX CREDIT BUEARU. XXXX, XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a lot of complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved! I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I DO NOT have any idea regarding these fraudulent accounts on my credit report. So please have them REMOVED on my credit report.