23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, 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: Student loan

The complaint is regarding XXXX and their inaccurate count of my Public Service Loan Forgiveness Qualifying Payments. 

I submitted my employment verification form to XXXX XXXX this past XX/XX/XXXX, which initiated a transfer of my loans to XXXX from XXXX. I have been repaying my loans to XXXX via an income-based-repayment plan ( PAYE ) since late XX/XX/XXXX. I should have approximately 32 qualifying payments for PSLF on record from the date that my loans transferred to XXXX, however my qualifying payment count still says " 0 '' on the XXXX   website. 

This is frustrating because I have called XXXX on multiple occasions on multiple occasions regarding this, and have been told that the problem will be corrected within 90 days, however I am now well over that 90 mark and my payment count still says " 0. '' I have made several career decisions based on the promise of PSLF, so this delay concerns me deeply.
Product: Checking or savings account

Every month Im charged and charged and Im not happy with the stress they cause when I go to get money out of my account. Ive had a couple of times Im at the grocery store and my card decline and I know I have money in the account and they still charge me the NSF fee
Product: Student loan

The federal XXXX aid has a different amount owed than Navient. Navient stayes I never paid them and will not show my payment history. They have the incorrect loan amount. XXXX has the correct amount. Navient told me no interest would acrew if I went into forbearance for years and then XXXX plan. 
XXXX has my balance at XXXX and Navient says they bought loans and consolidated them and I owe XXXX. 
I have tried to contact both XXXX and Navient over XXXX times in the past frw years to correct this. 
I paid for over XXXX years on these loans and was told it would be forgiven after XXXX  years on XXXX plan I began in XXXX
Product: Debt collection

Going through a divorce, my ex and I were unable to pay the mortgage for a few months. The house was sold in XXXX 2010 ( NOT A SHORT SALE ) and the mortgage was paid to Citimortgage PAID IN FULL. After the sale of the house, the law firm handling this case reported the pre-forclosure to the credit bureaus and do n't understand how a mortgage that was paid in full can go to foreclosure. I did not own this house at the time of the filing. CitiMortgage had an moral obligation to discuss the lawyer which they did not. In addition, Citi was part of a class action suit at this time regarding DEFICIENT MORTGAGE SERVICING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX  XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Checking or savings account

Synovus bank processed a fraudulent check for {$6000.00} out of my account on a check that did not have my name, address or signature on it. It only had the banking routing and account information on the bottom. I filed a fraudulent check dispute with a local branch on XX/XX/24 and was told it would be resolved in XXXX business day which is what is listed as the maximum time to resolve per banking regulations. It has been well over this time frame and the bank refuses to return my money or provide any other information. I have copies of the check and dispute documents.
Product: Mortgage

XX/XX/XXXX, Today, spoke to Rushmore XXXX representative XXXX regarding letter received today stating {$490.00} owed for a lapse and insurance coverage from XX/XX/XXXX to XX/XX/XXXX. I argued the charge was unfair. Paragraph According to XXXX, who stated the charge with an error and that it would be removed from the account. She stated that she would indicate that in the mortgage account notes. Call again, XX/XX/XXXX insurance processing agent XXXX claimed that she was researching the dismissal of the Now {$460.00}. She never got back to me although I called on XXXX XXXX. It was stated to by three Rushmore employees who agreed that Im paying three separate insurance. I got a homeowners insurance on approximately XX/XX/XXXX. I inherited the residency. I had overseen the property for years and never have paid for a homeowners insurance. However, I made on XX/XX/XXXX claim XXXX prior XXXX With XXXX XXXX XXXX All I want is to have the {$460.00} and some odd change dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

Sincerely, XXXX XXXX
Product: Student loan

Re : customer service call on XXXX about numerous issues with our account XXXX XXXX XXXX has transferred our account to edfinancial.studentaid.gov In this transition they have caused many issues which they told us they can not fix, all of which is no fault of our own -We had autopay, and they failed to make autopay payments since XXXX specifically for the two FFELP account totaling {$61.00} ( other private ones proceeded ), accruing more interest and potentially leading to credit hits. They have told me they can do nothing about this to fix their financial damages to us. They have told me they can not tell me when they will begin charging again and could not fix anything. Autopay is contract that they are failing!

-We had ( and it says 'currently have ' ) autopay set up to pay the highest interest loans first. In the transfer they ignored our allocations and payed all XXXX loans equally. Not only are there financial damage is not keeping our allocations, we are unable to EDIT the allocations ( due to a bug or intended design, contrary to previous servicer ) and they indicate we must instead drop out then reapply of auto pay thus loosing the .25 % interest rate benefits which they have indicated take 1-2 months to take effect! This is a large amount of many on the nearly 6 digit loan we have! This is a crazy amount of time for something that should be immediate. They obviously have conflicts of interest in being as slow and unhelpful as they can For all this told us they can do nothing and not even file a complaint! All of these failures leads to financial benefit for them and would be terribly worse if we did not notice their changes They are mismanaging our account, costing us financial damages for their gain, we have no recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im unable to dispute this online with XXXX XXXX XXXX XXXX has refreshed all late fees on my credit report. This is fraudulent this is malicious this account was closed in XXXX and they were refreshed it like everything was brand new driving my credit score XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX  - partial account XXXX ( page 20  of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.
Product: Vehicle loan or lease

XX/XX/2023, I saw an ad on offer-up for a car for around XXXX. I took out a navy federal loan to purchase the car. I NEVER RECEIVED THE CAR. I got scammed. The seller deleted his offer-up account. Navy federal froze my account as well because I couldn't provide information about the car ( I couldn't provide information about the car because I didn't receive it ) I have spoke to navy federal 5-10 times about this situation. They are no help at all. 

When I spoke to navy federal in XX/XX/2023, they told me they put a freeze on the sellers account. and they froze the check as well. The money that wasn't spent from the check would be credited to the car loan ( since I never received the car ) Its XXXX and the balance have not been updated. Why am I paying for a car, if navy federal told me they froze the seller account and check???? The balance needs to be applied. If navy federal froze the money my loan amount needs to be updated ASAP!!!! 

Ive also been receiving letters from navy about getting the title for the car. or else my interest rate is going to increase. I DID NOT RECEIVE THE CAR. Why is this not on my file? Im tired of calling nonstop! They are doing NOTHING about this! If they froze the seller account and check, the balance needs to be applied to my loan!! According to the representative, the sellers cashed the check, and navy froze the money so why isn't my loan balance updated??? this needs to be fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

I keep getting calls from a XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I do not owe any money. I have asked that the efforts to collect on debt paid until ID fraud occurred be stayed, until after the case XXXX is finished, but I keep getting calls. This is a XXXX debt for XXXX that I paid, and someone added XXXX, XXXX, XXXX, XXXX and now are adding more, without promissory notes. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

Upon checking my credit report XXXX seen things that are reported that are not suppose to be there. I don't know where these accounts came from, I reported to police station that my identity has been compromised and filed a report. I sent off letters to the bureau on XX/XX/XXXX and these accounts still have not been removed. The following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I mailed a check to Barclays to make a payment on my daughters credit card. The check was drawn on my XXXX XXXX investment account. The Check # XXXX was cashed by Barclays on XX/XX/2022 sequence number XXXX. The {$300.00} payment was never applied to her card # XXXX XXXX XXXX XXXX. My daughters name is XXXX XXXX she called Barclays and them emailed them information in mid XXXX. The responded back with an email that said the payment was applied on XX/XX/XXXX. That was a different payment also for {$300.00} that she sent because they notified her that the was delinquent. I as her father have called twice since on XX/XX/XXXX and again today XXXX as well as sent documentation of the cancelled, cleared check. I have been give multiple case numbers and spent hours on the phone trying to fix this for her, she is a XXXX year old college student. Today I was on the phone for 1hr and 13 minutes and talked to four different people, al to get a new case number XXXX. The original check was cashed by Barclays on XX/XX/2022, it has cleared my account but has never been credited against my daughters card. My name is XXXX XXXX and my contact number is XXXX. Please help! XXXX is trying to establish credit, and was enticed into applying for the card with the offer of american airline miles.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX Credit Reporting Agencies failed or are believed to have failed to investigate disputes that were their agencies on numerous occasions. Recently, on or about XX/XX/year>, several disputes were filed again after previous dispute items were still showing on my credit profile or report. I am now contacting the CFPB to assist in these dispute investigations to ensure that accurate and correct information is being reported across all agencies. This affects my livelihood, employment opportunities, funding opportunities, and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022
Product: Vehicle loan or lease

In XXXX or XXXX I took out a XXXX XXXX loan with Wells Fargo for a used XXXX XXXX XXXX A few years later, the vehicle was involved in an accident and totaled. Insurance paid off the remainder of the loan and sold off the truck at auction. Years later, ( XXXX or so ) I received a letter from Wells Fargo that I had overpaid the loan while it was active. I thought it was unusual and surprising. Though, I gladly accepted the check and, have always wondered about that account back thenbecause, there were MANY issues and MANY phone calls made regarding fees and the payments going towards the principal balance appropriately. Now, XXXX I see this massive lawsuit/settlement around the SAME time as my loan was once active. I believe I could be owed more- and perhaps they never wanted me to pursue the issue. I would like to see if I am entitled to any damages stemming from the lawsuit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Someone opened account in my name and address for XXXX $ the XXXX XX/XX/2020 then the next day withdrawn the XXXX and the following day closed the account.
Product: Debt collection

XX/XX/2022 - I attempted to get a copy of my record from this company. I am currently trying to get an apartment and my rental report shows I owe them money. This account was included in a XXXX  XXXX bankruptcy, as confirmed by the representative I spoke to. She was unwilling to provide me a copy of my file. I am in need of this to show to the rental reporting companies so that I can clear my file. I asked multiple times and she refused, saying there are no files or records even though she was able to pull up an account.
Product: Credit reporting or other personal consumer reports

I have tried to have these inaccurate accounts deleted from my consumer reports, they failed to provide documents that I requested, there has been no validation of inaccurate accounts that needs to be deleted. I have listed the accounts below. 
Windy city/lake Ridge XXXX XXXXXXXX XXXX XXXX They have not response to my letters that I have written several times