23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has been an extremely difficult company to work with and I am not sure they are servicing my loans appropriately. They service my private student loans, which are under my grandmother 's name as she is listed as the borrower even though I am the student who needed the loans at the time in XXXX. This company has not been helpful to provide me with information that I need to service my loans. I had applied in XXXX of XXXX for a reduced rate payment program and it was to last for 6 months. At the end of the 6 month period, I did not receive a letter stating the program was ending and that I had the option to re-enroll. They also informed me in XXXX that I had been set up with pay ahead payments, which they did not clearly explain to me what that was. All I understood from that conversation was that I had been paying ahead on my loans, which I never gave permission for them to do nor did I receive any notification that my payments were on the advanced pay schedule. Prior to enrolling in the reduced rate program, Navient did not explain to me all my options for reducing my payments since they were extremely high for the last several years. It wasn't until I made continuous phone calls that they were able to explain this program to me. Also, since the loan is under my grandmother 's name, it is very difficult to find out information since I am not the main borrower, even though I have been the one making the payments since the start of my loan in XXXX. During that phone call in XX/XX/XXXX, an employee explained to me that I could fill out a power of attorney form so that I could make the decisions and receive all information for the loan. Again, this was never provided to me as an option throughout all my difficult phone calls over the years with Navient. Furthermore, their website is not user friendly and does not provide me with detailed information regarding the student loan. It's difficult to find out when the loan was even dispursed. All correspondence is only operated through their log-in session and only goes back to XX/XX/XXXX. If I need a document beyond that, I can't access it online and I'm not even sure if I could receive it if I called them.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitting this to you serves as a follow-up to ensure the expeditious removal of specific items, particularly the outstanding inquiry, from my Experian credit report. Enclosed in this follow-up complaint is my FTC Report XXXX XXXX. Kindly review the outlined items for removal in each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am disputing late payments reported by Upgrade , Inc. to the credit bureaus on my account due to insufficient funds. While Upgrade has provided me with a transaction history in response to my dispute, their response fails to meet the legal requirements for substantiating their claims under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically : Failure to Notify Adequately ( TILA ) : Upgrade did not provide clear, timely, or sufficient notification of the alleged insufficient funds or late payments, as required under 12 CFR 1026.36 ( c ) ( 1 ). This failure prevented me from addressing the issue before it was reported negatively. 

Inadequate Burden of Proof ( FCRA ) : The records Upgrade provided are generic and do not satisfy the requirements under 15 U.S.C. 1681s-2 ( b ) to prove the accuracy of their reporting. Their response does not demonstrate that a reasonable investigation into my dispute was conducted or that the reporting process met accuracy and fairness standards. 

Equitable Considerations : My account reflects a history of good faith payments, and any payment issues were likely due to procedural errors or unclear notifications from Upgrade. The ongoing reporting of late payments continues to cause undue harm to my financial reputation. 

I demand the immediate removal of these late payments from all credit bureaus, as Upgrade has failed to meet their legal obligations under TILA and FCRA. I also request written confirmation that the negative entries have been removed and that my account is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer credit report and was concerned to discover two instances of late payments on an account for which I have never been late. As you know, the accuracy of consumer credit reports is crucial for individuals ' financial well-being, and any inaccuracies can have significant consequences. 

The account in question is under the name : XXXX XXXXXXXX with the account number : XXXX. I want to emphasize that I have a spotless record of timely payments for this account, and the reported late payments are entirely inaccurate. 

Therefore, I am formally requesting a thorough investigation into these discrepancies. I expect your agency to provide proof, in the form of statements or documentation, showing that these payments were indeed late. If such evidence can not be provided, I demand that these late payments be promptly corrected to reflect the accurate status of on-time payments. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

Thank you for your cooperation and understanding.
Product: Checking or savings account

Date XX/XX/year>XXXX  I went in to Bank of america XXXX XXXXXXXX, fl location I meet with a bank rep by the name of XXXX at the branch where i exchanged my information such as my SSN and signature turning this application not only to bank with XXXX XXXX for there XXXX XXXX XXXX XXXX XXXX  account but It also turned the application into a XXXX XXXX the moment i signed that would be traded on the secondary markets this application was submitted around XXXX I received an email at XXXX ( Application ID : XXXX stating the application was denied with no reason as to why I contacted XXXX spoke with a rep and he stated they do not have a specific reason and refused to provide the denied application according to the Fair Credit Reporting Act Bank Of America which is a Bank must inform me XXXX XXXX the consumer/secured investor/Grantor/ Bank of America as a Fiduciary to my extended accounts why my credit extended account application was denied Equal Credit Opportunity Act ( ECOA ) Prohibits banks from discriminating against applicants based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 
Civil Rights Act ( Title II & Title VI ) Prevents discrimination in businesses and financial services.

Community Reinvestment Act ( CRA ) Encourages banks to serve low- and moderate-income communities fairly.

Bank Secrecy Act ( BSA ) & Know Your Customer ( KYC ) Regulations Banks must verify identities but can not refuse an account unfairly.
Product: Debt collection

Dynamic Recovery Solution is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report.

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name XXXX XXXX XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws. 

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. XXXX failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law. 

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections.

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.
Product: Mortgage

This complaint is against Chase bank - Line of credit Acct. # XXXX 1- My line of credit was modified ; my first payment was made on XXXX/XXXX/XXXX for {$160.00}. I recalculated the payment for the last 5 years and it was supposed to be {$160.00} What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
2- Chase sent me a letter in XXXX XXXX and again in XXXX XXXX, detailing the new payment is {$160.00}. However, when I made the payment, it was increased to {$170.00} without any explanation. I called and was given complaint no. XXXX. Nobody was able to explain this discrepancy, claiming that all of this done in the " back room '' What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
3- When I make an online payment on Saturday, the system debits my checking account instantaneously. Then, post the transaction on Monday. That means I lost 2 days of interest to their favor. 
Well, let 's be honest, if you take my money NOW, you must give me the correct credit NOW. 
What do I want? 
Chase should go back and check all of the payments that were made on Saturday, and send me a check for the difference in interest calculations.
Product: Credit reporting or other personal consumer reports

On XXXX I noticed an inaccurate item on my Experian credit report. The disputed item is : Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, I formally disputed the inaccurate information with Experian, as required under the Fair Credit Reporting Act ( FCRA ), Section 611. I provided supporting documents proving the information was incorrect, including [ list documents, e.g., payment receipts, identity theft report, bank statements, etc. ].

Experian failed to properly investigate the dispute within the legally required 30-day period and did not correct or remove the inaccurate information. Instead, they either verified the incorrect data without providing proof or failed to respond adequately.

This error is negatively affecting my credit score and financial opportunities. Due to this inaccuracy, I have faced [ describe any consequences, e.g., denial of credit, higher interest rates, inability to secure housing, etc. ]. 

What Actions Were Taken? 
XXXX I disputed the inaccurate item with Experian. 
XXXX Experian responded [ describe response, e.g., " stating the information was verified, but did not provide proof '' or " failed to respond '' ]. 
XXXX I attempted to contact Experian again to request a proper reinvestigation, but no corrective action was taken.
Product: Debt collection

In XXXX I contacted Quantum Collections in XXXX XXXX Nevada to setup a payment plan for a debt in the amount of {$880.00}. I signed a contract and set the payment plan up. Upon them telling me my first payment was almost half the amount owed it was also due on the first of the month when I had to pay rent. They did not want to help me and told me that either I pay the amount due or default on the agreement. I ended up defaulting on the agreement and left it alone. I was never properly informed that they were trying to come after me for said debt through the courts and never knew a judgement was filed against me in favor of them due to me failing to appear. In XXXX of XXXX I reached out to a new collection agency that now owns the debt, XXXX XXXX XXXX, they then forwarded me to their attorney who informed me of the situation at what happened. I told them I do not have the full amount to pay and they informed me that if I had half we could work out a payment plan. I then told them that I was currently XXXX and that I do not have half where then they allowed me to pay what I had at the time. While explaining to me that I can call and pay what I am able to when able to up until my return back to the state and if needed can put the rest on a payment plan. Not to long after they received my payment I did not receive a proper writ of garnishment before my bank was notified and funds were taken from me. I had to call my bank for them to email me the papers they were served. Shortly after I decided I would deal with it when I had got home, now it is XXXX of XXXX I am not home yet and they are still trying to garnish my wages in my bank account while I am still XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Product: Debt collection

I am trying to have a dispute I placed removed because I no longer dispute the debt after receiving information they provided. They refuse to do so and it is affecting my credit. The communication I have with the individual handling the case is is rude and she intentionally tries to provoke me and informs that I do n't have the right to have it removed and they will report it now as part of my permanent record. lI have set up a payment plan and still she will not remove the dispute comment on my credit report. I have called and sent written notice. I asked to speak with her supervisor and was told there is no one higher. when I explained I was trying to get a loan as well she said awww. She attempts to provoke me to anger and tells me that they have to report things as they occur. I said that it follows then that they have to report that I am no longer disputing it. She said no they do n't. I am fed up and frustrated. They are holding back my credit by doing this and from her comments they do it on purpose. And seem to enjoy it. The worst part is that it is a debt my son incurred but I signed as a guarentor of payment. He never moved into the apartment because he was pulled away by the XXXX XXXX XXXX for training. He paid some rent and could n't pay the rest so it has gone to these people for collection. He never lived in these apartments. I understand I still have to pay the debt and am attempting to do so but for this woman to be unwilling to remove the dispute comments from my credit and to antagonize me over the phone like this is just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, unauthorized and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXXXXXX XXXX XXXX XXXXXXXX ( closed ) Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXXXXXX XXXX XXXX XXXX ( closed ) did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Product: Vehicle loan or lease

My auto account is closed but it still shows up as open on the report
Product: Credit reporting or other personal consumer reports

The information that has been provided to the credit companies in regard to me co-signing for a student loan is incorrect. I been a victim of identity theft over the last 10 years or more. I have placed credit freeze ( more than a few times ) and credit alert in my credit report. The reason I never knew about these accounts is because I never received any bills or statements. I would never open an account and not pay it off. I'm XXXX XXXX XXXX. If anyone would take the time to check the address were these bills are being sent that should make it clear this is not my account or just check how I have paid my bills over the past almost XXXX  years. Will, someone please rectify these issues in my credit report Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provided a closing balance of XXXX for move out. It was sent to collections with a balance of XXXX. Creditor is saying I owe XXXX. I spoke with the manager at the location she advised me to dispute so they could work with me directly. The creditor has refused to remove this or update the correct balance amount.
Product: Credit card or prepaid card

XXXX XXXX, and American Express have a Business card under my name that I have never applied for. These cards have been opened since XXXX of 2020 as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business XXXX  card balance is around $ XXXX {$26000.00} while the American Express is owed around $ XXXX {$5000.00}. 
These cards have been and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which it was the business XXXX  account. I also filed a FTC report stating both accounts, and still cant get anywhere. I have continually pursued XXXX bank, and American Express to remove these accounts from my credit reports. These accounts do not belong to me and as stated before, I did not open these accounts and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended so that I can move forward with my life.