23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I co signed " 2 " student loans for my son with Salle Mae who then became Navient. When he got to the top end of his loans he fell behind as the interest and payments went up. He ended up having to drop out of school cause he has other loans, a wife and XXXX children. We were harassed for years. One day a woman with a name like a flower  ( I don't recall ) said if he could pay {$98.00} I believe, they would combine his loans and start him over payment wise. I questioned her several times making sure that would be his " new payment for both accounts and she said yes. She told my son the same. WRONG! Big fat lie. What she was doing was creating a " 3rd '' loan that only covered interest and what he was behind. We found out because a week later they took his ACH payment for the 2 loans thus causing his account to overdraft. I called her number immediately only to be told there was no one there by that name. Yeah right. Finally we spoke with a Mr XXXX. He combined all the loans after my son told him I am XXXX and have health  problems. Mr XXXX told us both if my son would make 10 consecutive payments without being late, they would take me off the loans and out of their system. My son held up his part of the bargain and the loans stopped showing up on my credit report. UNTIL my son nearly cut the tip of his finger off and fell behind again. BOOM! Not only did they start putting derogatory remarks on my credit report, they split the loans back in to 3 loans. I had my attorney write them a letter and I stopped hearing from Navient cause they sent it to one of their subsidies XXXX XXXX. Attorney contacted them. Then I start getting calls from a XXXX who sent no letter like the Navient and XXXX but they called all the time but would hang up. I blocked them. I want the agreement with Mr XXXX to hold which means my son started paying on that agreement in XX/XX/XXXX which means as far as those loans are concerned I shouldn't even exist as of XX/XX/XXXX AND THERE SHOULD NOT BE ANYTHING to do with Navient or any of their subsidies!!!!! I know you know what I'm talking about cause you've been filing class action lawsuits against them for years. Just stay out of my credit reporting!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

how is it fair and impartial to only take in consideration what nelnet is reporting to you In 2014 in XXXX I did not authorize Nelnet department to report my information to the XXXX credit bureau. 
I am claiming Identity theft because this is a business transaction that does not benefit me. 
First I wan na know how experian verified my Account with nelnet department of education. 
as a result of your reinvestigation account was verified in 5 days how is this possible
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 said items cease pursuant to my rights within the FCRA and FDCPA laws. 
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

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX  XXXX**** XXXX   XXXX** XXXX XXXX XXXX XXXX   XXXX**** XXXX  XXXX  XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXXXXXX**** XXXX XXXX  XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX   XXXX XXXX**** XXXX XXXX XXXX**** If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting or other personal consumer reports

Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXXXXXX XXXX XXXX XXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex system has violated me yet again with their last response as well. I am still suffering financial injury and my reputation has been completely destroyed by Chex system especially during these unfortunate times of this Pandemic. 

I am seeking remedy and have attached my request inside this complaint. The Fair Credit Reporting Act was designed to protect me as a consumer against unfair practices of credit reporting agencies such as Chex Systems. Who have continually violated me by privacy breach as well as reporting consumer transactions and experiences that the FCRA specifically stated are NOT to be furnished on my consumer report.
Product: Debt collection

They put this debt on my credit reports this month out of clear blue no letter no account number of any sort, and they place this account on my XXXX, XXXX, XXXX. And there is no account and no amount due. This account is identity thrift on my credit file 's from this creditor. And need to be remove ASAP on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. After months of calling, leaving messages, and agents tellng me that Manager will call me from XX/XX/2022, todate I have not received any calls from XXXX to resovle this matter. 
Because of XXXX  MISTAKE IN INCORRECTLY REPORTING AN ACCOUNT WHICH SHOULD HAVE NOT BEEN ON MY CREDIT REPORT, MY CREDIT SCORE DECREASED BY XXXX POINTS. JUST LAST MONTH ( XXXX 2022 ) XXXX REMOVED THIS ACCOUNT FROM MY CREDIT FILE, THOUGH ITS REMOVED, MY CREDIT SCORE POINTS HAVE NOT BEEN RESTORED. 
XXXX  NEGLIGENCE AND IGNORANCE CAUSED ME A LOT OF FINANCIAL, HOUSING, SUFFER EMOTIONAL DISTRESS. 
XXXX REPORTED FALSELY TO DOJ AS WELL, AND TO DATE HAVE NOT FIXED MY CREDIT SCORES.
Product: Mortgage

I have XXXX loans with USBank : a Mortgage and HELOC. XX/XX/2012, I refinanced my mortgage to obtain a lower interest rate of 3.75 %. Due to the decline in housing values, USBank was unable to roll my HELOC into the new 30 year fixed mortgage. The HELOC was a revolving, variable rate line that could be used or paid down over a period of 10 years and then it would mature and convert to a close ended loan for the next 20 years. When I refinanced, they closed the heloc and told me that I could make interest only payments ( which would vary based on the principal amount ), or I could pay interest plus principal. I would not be able to use this line unless values went up and they re evaluated it. The interest only payments were approximately $ XXXX-XXXX per month due on the first. If they were not received by XX/XX/XXXX, there was a {$25.00} late fee assessed. My intent was to pay this loan off, so I began paying about $ XXXX monthly. Since USbank doesnt allow e-payments, I had my bank ( which was ironically USBank ) mail a check to arrive on XXXX. Over a period of 4 years, 18 times USBank charged me a {$25.00} late fee as they " processed and credited '' my payment after XXXX, even though they received it and often cashed it. Many times, the check would clear my bank with a USBank Stamp dated XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX but they still charged me late fees and would wait to post it later, citing " it sometimes takes us several days of processing time ''. I called them multiple times to attempt to resolve the issue and they advised me to mail the payment a week earlier. So I did. Three times that they received and processed the payment prior to the first, they applied it to interest up to the first of the month it was due, and the balance to principle but then charged me a late fee because they did n't receive a payment on the first. I have spent hours talking with them, sharing the details with the branch management, all the while dealing with harrassing collection calls ( sometimes up to 10 per day ). 

The bottom line of my complaint is the following : I have paid almost double the minimum and they received my checks during the grace period. 
I believe that they are intentionally holding my checks so that they can charge late fees. 
The balance on this HELOC is not going down. I paid {$24000.00} over 4 years and yet it was reduced from {$78000.00} to {$72000.00}. 
I believe that my payments have been misapplied for the past 4 years. 
USBank does n't provide any detail on where the money is being applied in a statement or online. They are mysterious about the posting of my payments and I seem to get a different answer each time I speak to someone. I feel that they have used deceptive practices with this loan by failing to apply payments in a timely manner, or to show details on interest, principle reduction. They failed to disclose the terms after the re-finance and created a situation in which it was impossible to pay this loan off, putting me in a negative financial situation.
Product: Debt collection

Both Real Time Resolutions and XXXX ( XXXX XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both RTR and XXXX ( XXXX XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. 

XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from XXXX. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. 

XXXX has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few 5 years I 've used Equifax to obtain my credit report and obtain credit monitoring services. I 've now learned that due to a security breach my personal private information may have been made available to criminals. Furthermore, Equifax 's website may or may not be able to confirm whether my private information was stolen or not. This puts me at risk for identity theft as well as other financial losses.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act ComenityXXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) amex on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report
Product: Payday loan, title loan, personal loan, or advance loan

" I requested a loan breakdown, showing how my down payment was applied and the daily interest rate they are charging me, which XXXX  refuses to provide. '' And they trying to repo my car from my driveway and i XXXX know what to do also al report this claim to XXXX
Product: Credit reporting or other personal consumer reports

I'm filing a report against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX ( Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) XXXX XXXX  ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX  XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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
Product: Student loan

Call to WELLS FARGO XXXX XXXX 2016 @ XXXX Just was in a phone call with Wells Fargo on my son 's student loan. First the help was not very helpful. I wanted to know if my son 's charge off was taken off my credit report. She said if I am the cosigner, then it will show. I said I got that, and his was cleared off. IF that is the case, then mine should be. She said there were many documents sent to my home, ( and I dispute that accuracy ) explaining the status. Under the contract, he was to be registered as a XXXX XXXX XXXX. He has proof that he was well with any grace period, specifically the dates of registration for his attendance at a XXXX XXXX and upon completion, he is now XXXX XXXX XXXX University. 
Just to make myself clear, I understand my legal obligation to the debt as a cosigner. I do not agree to the charge off status as he was fulfilling his obligations and can provide proof he was a XXXX XXXX XXXX. 
The most upsetting part of this phone call was the last part. I told her at this point this whole thing is becoming punitive in nature. She asked me, what would I like to have happen, put the charge off back on his credit? Said yes, do that, but as the cosigner, I do n't have that authority and you will have to deal with his lawyers. Then she said she could n't do that with so I said basically you lied to me and this was a threat to his credit report ( an empty one but proves the nature of the punitive accusation ). At this point, she officially ended the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the company XX/XX/2022 stating the XXXX XXXX account is incorrect I was never late on that account. I asked them if they cant verify the late payment remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed twice and both times without providing any documents they verify as true and correct which is completely false and far from being the truth. This is causing me many issues due to this company negligence and not properly investigating
Product: Mortgage

my wife got hurt at work XX/XX/2017, she didn't receive any money while she was out. we fell behind on our mortgage, we contacted SPS and  tried to work things out with them without no prov ell. Our regular mortgage payment is {$1600.00} a month and all they did is come back to us and afford us a repayment plan of {$3100.00} a month. we request numerous times for a modification and were told we are not eligible. 
we also tried to get a copy of our original mortgage documents from beneficial but they won't return any of our calls, emails, and letter, because we believe that we had a XXXX insurance in with our mortgage, and if we did out payments should be picked up by the insurance and we wouldn't behind.
Product: Debt collection

In XX/XX/XXXX my husband and I began the process of purchasing a home and I gave our apartment complex, XXXX XXXX XXXX XXXX XXXX, 60 day notice that we would not be renewing our lease. I did this through their online portal and by mail. We were able to close on our home and move out of our apartment one month  before our lease was to be up. I spoke with a company representative and agreed to pay the last months lease but was asked to turn the keys in early as they had a new tenant waiting for the apartment. I turned in our keys and provided my mailing address for my final bill. I heard nothing from the apartment managers until XX/XX/XXXX when they filed an {$5900.00} collection against me and my husband claiming we had broken our lease ( {$2300.00} ) and charging us a notice fee ( {$2300.00} ) plus two months rent when only one was owed. Additionally IQ Data is attempting to charge us interest on this debt we do not owe bringing the total to {$8500.00}. This is not a debt I owe, I feel the leasing company took advantage of my good intentions and non of this would have happened if I hadn't turned my keys in early as they requested.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act AMERICAN EXPRESS Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

equifax is reporting two accounts that are a direct violation of FCRA section 611 Procedure in Case Disputed accuracy account XXXX XXXX  XXXX XXXX account XXXX  # XXXX
Product: Credit card

Capital one said if I downloaded their shopping app Id get {$45.00}. I did so. But then the bait and switch ( very typical for the company ). I have to add their extension to my browser. They didnt say that. They said if I downloaded their app Id get {$45.00}. There was nothing about changing my web browser. They are liars- they bait and switch. Do everything in your power to prevent them from profiting from lying to their customers.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry into my credit from Barclays since XXXX. I understand that it can only remain on my credit for 2 years. This information continues to appear on my credit report in XXXX. They will expire and must be removed. Even though I wrote to Barclays, they have not taken action regarding this.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/XXXX, regarding inaccurate late payment history on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). This violates the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy in credit reporting. The payment status shows 'paid ' or 'pays as agreed, ' yet the payment history inaccurately marks them as XXXX  days past due. This contradiction is frustrating and harmful. I demand a detailed explanation of the verification process used to confirm these inaccuracies. TransUnion 's willful noncompliance could result in liability of up to {$1000.00}. I demand the immediate correction of these errors and an updated report reflecting accurate information.