23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I called Navient to check the status of my refund differential that was told to me by XXXX XXXX on XX/XX/XXXX. XXXX stated that she was able to see that My RRP expired in XXXX and I td XXXX that I called around that time to re-certify, that is when I was told that all of my loans were be a total of {$270.00} ( the ones in RRP and the ones that didnt qualify for RRP, would go under Select payment ). I was told this by 2 different Representatives, XXXX in XXXX and someone else in XXXX/XXXX. My payment NEVER WENT TO {$270.00}, instead, I was charged {$290.00} in XXXX and XXXX and in XXXX, {$390.00}. Ive spoken with a rude representative today ( XX/XX/XXXX ) who kept telling me that my loans were separate and that she can not do anything about lowering the payment from {$390.00}. I demanded that she check the voice recordings from the prev months and that I speak with her Supervisor. She had me on hold for 15mins, then XXXX XXXX got on the line. At first she told me that Ive exhausted all of the prog assistance plans, then she said that She can only get me down to {$340.00}. I told her that I can not afford that at all and she suggested that I get on Forbearance. XXXX proceeded to cut me off and they tell me Since youve stated that you have a good credit score, why dont you consider refinancing. Otherwise, I can not offer you anything more! Lastly, XXXX informed me that she will put in a request to have the complaint dept listen to the recordings because the {$270.00} wasnt documented. XXXX rejected my request to have a print out of the recordings from XXXX and XXXX and stated that it was only for internal reviews. Ive asked for proof that I agreed to be put into 2 separate RRP and Select progs as she stated that I was enrolled in, to no avail. Then she stated I will put in the complaint even though nothing will be done about it other than higher ups having a conversation with the prev representatives! COMPLETELY UNPROFESSIONAL. I was given a much price and now she states that it was a misunderstanding and if I dont pay, I would be delinquent. She even stated that if I wanted to, she would remove me from RRP. The call was completely stressful and I feel drained. Nothing was resolved and she left me feeling like I was the one to blame when all that I wanted to do was to pay my bills on time and keep my credit score high. I was yelled at, I overheard whispers, and I was told that I was enrolled in 2 different Rate Reduction Programs and a select prog, but I was not aware of these things. None of the payment allocations were thoroughly explained, XXXX even said that my address was incorrect in the system, but mail was sent to me. THIS WHOLE EXPERIENCE HAS LEFT ME IN MORE DEBT THAT I STARTED. I need a lower payment, I CAN NOT AFFORD ANYTHING OVER {$280.00}. Ive been paying on these loans for over 7 years and my standard payment is still {$530.00}. How?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma app-As of XX/XX/23 has all my accounts closed, and XXXX XXXX XXXX on XXXX. As has me labeled as deceased. Im very much alive and I find this very disturbing and unprofessional. I would like this addressed and corrected asap. Thank you for you assistance in this matter.
Product: Prepaid card

I received a prepaid American Express card as a bonus for work. The card declined more than it was accepted. I contacted American Express and they cancelled the card to issue a refund. I was told that I would have a check in XXXX weeks. XXXX weeks later, I did not have a check. I called back and they needed additional information, which I provided immediately. I was told that my case had been escalated, I just called again.still no answers. They owe me over {$700.00} and not one person can tell me anything other than the case has been escalated and to be patient and wait a few days. American Express has not provided any information, told me that I would receive a refund, but do not know when. It is probably getting close to 2 months of dealing with this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

My American Express platinum card change the terms of their rewards program without notifying me of the change. They then processed my 2023 annual fee and will not refund it as I do not wish to move forward with their card after the change and rewards. I feel like if the terms have changed and though it has notified me of the change I should not be held to surrendering my annual fee on a card I will no longer use. The credit card company holds that they have sent me a mailing notifying me of the change but I have never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a data breach at Equifax credit reporting bureau and they have notified me that my personal information was compromised. 
They learned of the data breach in XXXX XXXX, however they took over a month to notify the public. 

I do not feel Equifax has taken the necessary steps to prevent this data breach or to remedy the harmful effects to consumers.
Product: Student loan

In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax. In this dispute, I asked Equifax to remove XXXX XXXX Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. XXXX XXXX is reporting a time-barred account. On XX/XX/XXXX Equifax responded to my complaint stating the information had been verified as correct. Equifax did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the Equifax response I received, Equifax is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For Equifax to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. 

Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

Previously disputed and information is still posted incorrectly.I am calling XXXX XXXX at number provided and sofar been told they are not reporting this.
Product: Mortgage

On XX/XX/2018, I received a letter from my current mortgage company ( XXXX XXXX XXXX ) informing me that they sold my mortgage to Carrington Mortgage Services , LLC . As of today, XXXX XX/XX/2018, I have received no information from Carrington, who according to XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/2018. I believe that they ( Carrington ) are legally bound to notify me that they are taking over my mortgage within 15 days of the transfer date, and provide me with the appropriate information to continue to pay my mortgage. They have not. Please advise on what I need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian multiple letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request verification of debt requesting the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it Experian sent XXXX an updated credit report stating the information was verified. They keep updating that " the debt was included in a bankruptcy '' but won't send me any information regarding the bankruptcy file with their name included, any other verifiable proof physical or electronic. 

I have received a copy of a billing summary from the debt furnisher, but still, no verifiable proof that this is my debt. 

So now, both companies, Experian and XXXX keep ignoring my request and sending me computer-generated bills/summaries. 

I have requested that an XXXX certify that this is my debt. To no avail, XXXX and Experian sent me another computer-generated response. 

Experian has not assisted in this process at all.
Product: Mortgage

Our mortgage servicing was transferred to Loancare in XX/XX/XXXX. 
We have had our mortgage for 5 years and pay via EFT. Since transfer of servicing, our payments have not been applied on the day they were received by the Servicer. ( See Enclosure " B '' for detailed schedule of delays ) We called Loancare several times and contacted them via their website twice and could not receive an explanation as to the delay or resolution. On one occasion, we were told by a Loancare employee that Loancare had no obligation to apply our payments until they process them, no matter when they are received. One of our online contact attempts was closed without answer. Receiving information was impossible via the means usually relied on by consumers.

We sent a formal letter of discrepancy asking for resolution. ( See Enclosure " A '' ) We received a response from Loancare dated XX/XX/XXXX stating that because our EFT payment has the prior loan number attached, they did not and will not apply our payment on the day they receive it. Instead, our payments have been and will be applied on the day that a Loancare employee looks up our loan number. ( See Enclosure " C '' ) We believe Loancare is in violation of CFPB rule 15 USC 1639f ( a ) and/or any other rules that apply to the proper crediting of mortgage payments received by a mortgage servicer.

1-Loancare has confirmed the dates of our payments are known to them 2-Loancare states they will not apply our payments on the day they are received but only after an employee looks up our mortgage number.

3-This gives Loancare no impetus to look up mortgage information for such payments 4-We do not agree with Loancare holding our funds as theirs and not reducing our mortgage balance while they look up a loan number.

5-We have taken reasonable steps to identify the error and were only able to receive meaningful information after sending a letter of discrepancy.
Product: Debt collection

Never received any information or documents stating that i owe the debt.They did not contact me by phone at all. I checked my credit report and i was confused about this item that was reporting on my report. This is a violation of my rights, and i will take to them to court if i have to. I am all ready talking to a lawyer and if they dont reply we are going to move forward, because they have no proof that they tried to reach me by phone because they dont have my number. Because their is no way i owe a doctor bill because i have always had insurance when going to the Doctor so i know i never had a doctor bill that went to collections and its says XX/XX/2013 and why would they try and put it on my credit report now. When they dont have my address. So we know by that they never tried to contact me.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Product: Checking or savings account

Pentagon Federal Credit Union ( PENFED ) continues to send blank checks in the mail to me via XXXX Mail 's " Presort Standard '', also known as " Bulk Rate '' or " Junk '' mail. It is incredibly stupid for PENFED to be sending blank checks in the mail, on my personal account, showing my name and address, via Junk mail. It is a huge risk to Identity Theft of customers. I have asked them repeatedly to stop this, but it continues. Today I called in to their XXXX phone number, and their rep was unprofessional and disinterested, denying that they send blank checks in the mail by Junk mail. I have the evidence in my hands, and their rep continued to deny that they ever did this. This is totally unacceptable and I want it to stop.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX  i order a credit report and found some discrepencies of hard inquiries that i never authorized to be run on my credit and 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 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Inquiry ( TransUnion ) Company Name : XXXX  - Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX says attorney fees and a bankruptcy that is not mine all the agencies are reporting wrong name and addresses they have corrected some but my reports are still incorrect open disputes for months and no communication on them. I would like to file suite for every wrong on the reports
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against experian violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of XXXX  XXXX account number XXXX and the XXXX XXXX XXXXXXXX on my consumer credit report and / or credit file, which I did not consent to nor was I properly notified about. 
This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by experian. 
I hope experian takes my complaint serious and rectifies this situation as swiftly as possible. 
I look foward to their response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was amazed when I viewed my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report. Please remove as soon as possible
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.