23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am currently repaying my loans under the Income-Based Repayment program through FedLoans and I will be eligible for Public Service Loan Forgiveness after  making my 120th qualifying payment on XX/XX/XXXX. My issue is that FedLoans has, on more than three occasions, inaccurately calculated the total number of qualifying payments that I've made. I contacted them on XX/XX/XXXX, with evidence of a full audit that FedLoans themselves completed in XXXX that accurately reflected the total number of qualifying payments I had made at that time. They have yet to adequately respond to my inquiries over the past year and I am now 10 months away from applying for PSLF and they still have an inaccurate total count of my qualifying payments.
Product: Debt collection

I do not owe this debt I paid the doctor office, and I told the company that called me the first of XXXX that I do not owe this doctor and not to call me again. The doctor office and me was in disput on the amount owe and was waiting on the insurance company to say what the amount was. Also, the doctor office billed the wrong insurance company when they had the correct information. I paid them on XXXX/XXXX/16 reciept number XXXX. I want this taken off my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Acts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this written request to have the following Inquiry Account ( XXXX ) Deleted from my private Consumer Report and File : * EXPERIAN BUSINESS CREDIT => XXXX XXXX XX/XX/year> XXXX Experian With regards to the Fair Credit Reporting Acts Laws and Policies - [ 604. 15 U.S. Code 1681b ( a ) ( 2 ) & 15 U.S. Code 1681b ( a ) ( 3 ) ] - that pertain to Permissible Purpose : - I did not give written instructions to any Person or Consumer Reporting Agency to report said inquiry account
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have been contacting this company since the middle of XXXX regarding my XXXX payment to no avail. Just told " I can't do that, there is nothing I can do ''. No one seems to be able to make decisions at this company. I communicated with someone in the office of the president on XX/XX/2020 regarding difficulty making my XXXX payment due to COVID19 Pandemic and not working for 3 months due to stay at home orders. She spoke about my account receiving a " skip payment in XXXX and XXXX '' but could not give me another one for XXXX. I asked what other options I had suggested changing my payment due date to later date in XXXX in couple of weeks since I would be returning to work and will have income then. She told me there was " nothing '' she can do to assist me with my XXXX payment She again stated that she " could not make that decision '' and then told me " customer service could change '' my payment due date and then transferred me to XXXX, in the customer service department. When talking to XXXX, she told me " we can't change your payment due date for XXXX, we can change it in XXXX. '' I needed assistance with my XXXX payment informing her that I will be able to resume payment in XXXX. She then told me she would waive my late fee for XXXX and make a note in my account to not charge me a late fee and also so I don't receive calls from them about my missed XXXX payment. However, I received my bill, and the company charged me a late fee for missed payment in XXXX and they would not remove it from my account as promised. They also called me late in the evening while I was working about my missed payment, harassing me, when told I would not receive such calls because they were noting it in my account to not call and waive the late fee. I want refund for my late fee. I have been proactive in trying to problem solve with this company to no avail. I told them on XX/XX/XXXX that I would be able to make a payment by the end of XXXX, couple weeks and I did. I made payment on XX/XX/XXXX. Please refund my late fee.
Product: Credit reporting or other personal consumer reports

Having difficulty obtaining housing with XXXX  XXXX voucher from XXXX XXXX new jersey. Credit profile!!! Not able to get a bank account loans or credit for anything. On XXXX  currently receiving snap GA cash assistance also approved for housing case id XXXX. XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I have been reporting to several organizations to phishing depts and more need assistance. No clothes, food. Etc no transportation things are slow 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
Product: Credit reporting or other personal consumer reports

I have paid off my capital one charge off balance it is currently {$0.00}. I have not received a 1099-C form showing that the balance is now {$0.00}. This account is reporting inaccurately as a charge off with a balance and it is completely paid off. I would like for this information to removed from credit report now that there is no longer a balance. Ive tried to had this account removed with letting capital one know about the identity theft and ive attached my police report as well. Im trying to fix my credit report after being a victim of identity theft. May this information please stop being reported to the credit bureaus.
Product: Money transfer, virtual currency, or money service

Venmo froze my account because I tired to order of XXXX iv given them every piece of abutting to show it was me but they still haven't unfrozen my account they also haven't depositing my money that I did a standard XXXX on they passed the date they told me it would be delivered on they won't talk to me or tell me why my account if froze they stole my money and are getting attestation with it is theft pain and simple... it was my tent money and as a result me my wife and my give week slogs caught was kicked out and venmo still hasn't released my money or give me idea when it will be or why please help so this fraud scamming... thefts from stealing people 's money
Product: Credit card

I noticed that XXXX XXXX had reported that captial one checked my credit. I payed it no mind but on Friday XX/XX/XXXX, I was using the walmart app and noticed an unauthorized purchase of {$270.00} with a capital one mastercard that was under my name that I didnt recognize.The Walmart order was sent to an unknown name and address. I did not create a capital one account so I was sure that the card was made falsely. I then contacted Capital One and they verified that someone did use my social security and my personal information to create an account but it was under a limit because it seemed suspicious. The account has now been reported and is currently under investigation. Capital one will be in contact with me as this issue is investigated.
Product: Debt collection

collection company is now the 5th company that XXXX XXXX as given this account to ALTHOUGH this account had previously been pulled and resolved through XXXX XXXX CUSTOMER SUPPORT. This account should not be with ANY COLLECTION AGENCY per XXXX XXXX XXXX. This account was proven to not have had the cell service that was promised and for the 7 months that I had sprint I only had usable service for 2. I had to call every month and received responses every month that they were working on the issue and they ( XXXX ) acknowledged every month that cell service was and had been down in my area and they were working on it. it never got resolved and I had no choice then to get reliable service due to my medical condition. XXXX PULLED THIS ACCOUNT AND WAS TO BE DELETED MONTHS AGO.. This is now the 5th company that is trying to collect on something that the executive office at XXXX XXXX XXXX balanced due to my previous complaint to the CFPB and to the FCC.
Product: Debt collection

My complaint is against Account Resolution Service. I have made three attempts for debt validation from this company because my credit is being ruined from bills that do not belong to me. I am a responsible person if the debt belonged to me i would pay it but i can not pay a debt from a place i have not even been too. My last attempt to get this place to validate the debt they said in writing on the BBB website to me that they do not need to validate and that the debt belongs to me. This company is not treating me fairly. Right after i submitted my first dispute with XXXX about ARS in XX/XX/XXXX my XXXX year old grandmother started receiving phone calls from a man impersonating XXXX trying to get her to give them my information. The phone number area code is from the same area ARS is located. I want them to provide me with a signed contract that i signed saying i agree to pay this bill. This company is breaking the law by providing the wrong information to the CRA 's. The original creditor which i also do not recognise says they have no idea about this debt. So what leg does this company have to stand on? I think this company is a fraud. They have over 270 complaints against them with BBB. I think this company stole my identity to try to extort money from me to get a phony debt deleted from my credit score. That will never happen i will never pay for a debt that is not mine.
Product: Mortgage

Ditech has denied that it knows who I am in response to the last complaint, when my name and my address ( of the home which has the mortgage they own ) is clearly stated on the complaint. Characteristically, it demands the account number just to be difficult. For the company 's information ( it does NOT need me to tell it this ), the account number is : XXXX. 
Not only is it charging me late fees of {$120.00} regardless of the fact that I paid on the due date ( and late fees are not stated to be {$120.00} ), but I paid up the account in full to include all of their fraudulent charges last month, and this statement has not deducted ANY of that, and STILL shows me as owing the same amount as before. I believe that there is a serious problem with their systems and this is suspicious. They need to be audited by people who are very familiar with technology and can examine their code. If you need someone, I can go with the inspectors. I develop software for a living. 
I 'd like to remind the person reviewing this complaint that immediately before changing its name, Ditech used to be named Greentree. Greentree was fined by the government for a total of {$63.00} XXXX for unlawful / fraudulent charges and failing to maintain programs. It seems that Ditech has continued its business practices, attempting to use the name change to deflect suspicion. This will not work long term.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans Union XXXX and XXXX are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by Trans Union while XXXX and XXXX report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by Trans Union and XXXX as XX/XX/XXXX while XXXX is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by XXXX and Transunion reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.
Product: Debt collection

Sent multiple debt validation letters midland credit is called from spam numbers all day they also using artificial intelligence Technology is Company is currently being sued by me I have obtained a lawyer for this matter I never did any business with this company or know where this debt came from I would like this debt removed and phone calls to stop they are doing illegal practices
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in accurate
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. 

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

See attached. 

I've recently checked my credit report and noticed some inaccurate information reporting.
Product: Checking or savings account

On XX/XX/2020, I found out that my savings account ( s ) were restricted. After waiting nearly an hour, the Synchrony Bank representative ( XXXX ) advised me that they needed an updated documentation that reflects my new address to unfreeze the account. 

That said, the only way the bank would permit inbound correspondence with the supporting documentation was via fax. In this day and age, and in the current pandemic this country is facing, no exceptions were granted - people need access to their accounts, but to risk these people to go against governor orders to go outside and fax documentation is absolutely ridiculous. Their policy inflexibility only risks further exposure and further spread of COVID-19. 

This is particularly troubling for a bank that promotes itself as a " digital '' bank.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to inform you that I want to remove these fraudulent items from my file. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly remove the following items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; NXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX - XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED XXXX CREDIT CHECK AND NOT XXXX WHICH IS THIS XXXX. 

XXXX XXXX XXXX XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED XXXXXXXX XXXX CHECK AND NOT XXXX WHICH IS THIS XXXX. 

XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX DONT KNOW WHY THIS IS HERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and outdated information on my credit report.
Product: Credit reporting or other personal consumer reports

Initiated in XXXX a fraud alert with Experian. Didn't realize my phone number was off by one number. I tried to get credit and was told that they had to call me first since I had a fraud alert. Call didn't go through and then I checked my alert and realized the mistake. I called Experian numerous times and finally by the grace of God got a real person who took my information and corrected the alert on XXXX and it was fixed on XXXX. I can login and see the information is corrected, but what ever portal that the credit company is using still has the wrong phone number and I still can't get credit and this is causing undue stress on me. Called and called and can't get a real person, its ridiculous.
Product: Mortgage

Good Afternoon, Recently the lender XXXX XXXX from Sofi denied my application. I am aware that I may or may not get approved for the amount I asked for originally. I am upset because She has pulled my credit four times and I do have proof. 

Also, XXXX promised last Friday I would get a loan amount sent out to me last Friday but no response last Friday on XX/XX/XXXX or today on XX/XX/XXXX. 

The only reason I found out about this denial letter was because I received a notification through the no reply email. 

I would have like to have gotten a response from her as promised and at least given me an amount that I could have received instead of just a straight denial. 

I felt she was not very helpful and stated to me she was working with you on the gift of equity with her manager I called her and spoke to her last week and on a recorded line she told me she would reach back out with a loan amount last week on XX/XX/XXXX. 

Reached out by email yesterday XX/XX/XXXX but no response. I called Sofi three times on XX/XX/XXXX to complain was able to get a email but when I sent the email to XXXX XXXX her manager the email was blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.
Product: Prepaid card

As per Money Network, the card ending XXXX was issued on XX/XX/20XXXX The charge in question was made by a certain XXXX XXXX on XX/XX/ for {$1300.00} as payment to a XXXX web upgrade and was charged to same card ending XXXX. I received the card by mail on XX/XX/ ending XXXX and called them to activate my card. Money Network said it can't activate my card because they said that my card has been compromised. 

Money Network told me it will just send me a check. Please take note that this card was never activated by me that's why you opted to send me checks. The charges in XXXX were all fraudulent in which you refunded me a total of {$1200.00} except for the the {$1300.00} to XXXX which is the subject of my complaint. 

A person named XXXXXXXX XXXX with an address at XXXX XXXX XXXX, XXXX, CA XXXX and a phone number of XXXX used that card to pay XXXX. So, this is FRAUD. It is unauthorized and done before I even received the card XXXX and which you were not able to activate and same card XXXX was used by the scammer. 

I would like to request for the refund of same. Please investigate the matter to bring this to a final resolution. 


Thank you for all you help. 


XXXX XXXX XXXX