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

XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts XXXX XXXX accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX 2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Product: Debt collection

This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX  under the account number ( XXXX ), at XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ). A personal loan at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I called Wells Fargo to see why a {$7700.00} check deposited on XX/XX/year> would have a hold until XX/XX/year>. Then on XX/XX/year> I was told that the hold was extended until XX/XX/year>. I called Wells Fargo today XX/XX/year> asking why the hold was so long. I was told that my wife bank flagged the deposit as suspicious and they needed extra time to verify the money. My wife checked her account online and seen that the funds was taken out of her account with a check image. While still on the phone I told the Wells Fargo rep that the money was taken out of my wife account. She then said for my safety they still needed to verify the funds. My wife then called her bank and told them that Wells Fargo told me they flagged the deposit as suspicious. XXXX XXXX XXXX then said they have no notes in their system stating that. I relayed what the XXXX rep said and the WF rep still said it was XXXX XXXX XXXX flag. They then gave me options of stop payment on the check and then write a new check. I don't get why when the funds was already released and taken out of my wife 's account.
Product: Student loan

On XX/XX/year>, I called Navient after losing my father 3 days before to let them know that my co-signer that was paying my student loans passed away and that I would not be able to maintain the current payment that he was making as I just had my XXXX XXXX XXXX XXXX prior. I was told that they would review and recalculate the amount that I would need to pay based on my financial profile. Navient never changed anything about my payment, they continued to suggest that I defer my loans which just increased the interest on my overall owed debt and eventually the amount that they were asking was far more that what I would be able to pay and live. I was never met with any type of doable payment and was even told the only way that other options would open up would be for me to lapse in payment and go into default. Eventually I gave into the suggestion. I made sure to answer anytime that navient called, even the times that they harassed me about where my co-signer ( e.g. my dead father ) was even after I provided them a death certificate numerous time. They frequently call my mother asking for my father ( her late husband ) causing her agony and grief. This company never intended to make my loans that faithfully had been paid prior to my fathers death payable, their only goal was to ensure that I would always be indebted to them and never have the ability to maintain a livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate my consumer rights. I have a right to complete and accurate information in my file. TransUnion is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit card or prepaid card

My account was charged 5 times by a company XXXX XXXX. I only authorized them to charge once. I reported this timely to American Express within 60 days, American Express refuses to remove from account without any basis.
Product: Debt collection

Violation of the FDCPA, FCRA, TILA have been found. I have sent Validation letter, my request of the name and address of ORIGINAL CREDITOR, sent cease and desist, affidavit of truth, invoice for violations of the law, and Exhibits of violations. I have received collection calls and I the consumer rights have been violated. I have tried to have this issue remedied, I sent documents XX/XX/2021 and I have not received full response. I notified Discover financial services my right pursuant to 15 usc 1692h and my notice of removal of the late payments on my credit report, I have sent notice pursuant 15 usc 1666b but no response. Also according to FCRA Discover does NOT have permissible purpose, 15 usc 1681b ( 2 ) they are furnishing a report without my consent. I am not in debt to Discover Financial Services, pursuant to 18 usc 8. I am the original creditor and they are attempting to collect an alleged debt not owed by I the consumer. I have resent documents and additional information certified mail XX/XX/2021 and has notified them of 30 day timeframe.
Product: Payday loan, title loan, personal loan, or advance loan

I paid Interest Only from XXXX to XX/XX/year> because the next payment due is not until XXXX. I keep asking them to put any outstanding ( pre-paid ) amounts available to the principal balance, but they will not do it, and they keep talking around it, and they can not explain to me why it can not be done. 

The money I paid in advance disappears from time and space, according to their explanation, and will run out in XXXX and reappear when I have to make a payment again on XX/XX/XXXX. What???? 

I want a refund on the unnecessary interest I paid because the " extra '' payments were not applied to the principal balance as I requested. 

It sounds like a scam to me!
Product: Debt collection

Submitting a complaint on Vengroff Williams inc, they have sent a letter to my address stating this is our second attempt to collect on unpaid balance This is my XXXX time receiving a notice as such! Secondly I do not know this company at all, to even be harassed about a debt I know nothing about. I havent signed any contracts with this company. As a debt collector it is believe they saw a debt on public records, bought it for little or nothing and decided to harass me without doing proper investigation to see if that debt belongs to me and I will not go for that.. 

I was NOT properly informed THE legal right to challenge the debt 's accuracy and request verification before making payments ; this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) I have not received a written letter for a right to dispute, this company is demanding payment from me that they are not entitled to ILLEGAL!
Product: Student loan

I submitted XXXX XXXX XXXXXXXX  paperwork for the second time with corrections asked during the first denial with aidvantage. Upon second submission I was not notified of receiving my application and the uploads page on the account will never show what I have upload the status or anything related to it. I reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they told me 60 days to process from submission. In XXXX I was told it was actually 90 days. In XXXX they stated the processing was on hold until XXXX but my application was reviewed and I should hear on next steps soon. Never heard from them until I called on XX/XX/XXXXXXXX I spoke with three different aidvantage reps and each told me to contact FAFSA as aidvantage doesnt process or know the status. Never once was I told it was denied through any three phone calls. I then called FAFSA after each time I was told they process this by three different aidvantage people. I spoke to 12 people and departments at student aid. Each of them told me that they dont process teacher loan forgiveness paperwork and it was through the lender service. The final aidvantage person I spoke to told me to resubmit the application from XX/XX/XXXXXXXX  Which now I know is incorrect. I sent a heated email that afternoon on XX/XX/XXXXXXXX demanding action and response or I would seek legal action. I got an immediate response on XX/XX/XXXX stating it was denied as my school wasnt on the directory. I emailed back stating my school wasnt and that I have the five documents from directory downloaded to show. They then responded my application didnt list my specific school and that it stated I still worked for my district but that the last 3 years my specific schools was listed as low income. I responded back with questions on what specifically they need the services to look like since I still worked for the district and that is what my XXXX XXXX indicated and that I would make sure that the XXXX listed my school specifically as listed in directory. I now will be submitting the application for the fourth time. The lack of communication and effort on their part along with the lack of knowledge relating to this program and who processes it is concerning. Yet they can easily take my direct deposits monthly with no qualms. I demanded processing and action of the new application within 7 calendar days when I submitted the application on XX/XX/XXXX. I now know this is Incorrect and will have to work with hr to get a new application signed and verified asap and rep loaded to aidvantage. I plan to let them know from the date I upload I still expect 7 calendar processing. At this point I have no clue who actually processes it however they can figure this out amongst themselves before legal action is taken on aidvantage.
Product: Mortgage

My loan was recently purchased by XXXX XXXX, who uses shellpoint mortgage as its servicing company. I have made several calls and sent dozens of emails in attempt to make payments and rectify an incorrect payment amount as well as reconcile a payment that way made to the prior servicer. Additionally, they have incorrect payment information compared to my original closing documentation and amortization schedule. I've asked for clarification on this point as well and nobody will return my call or provide me with information I've requesed. They are currently threatening foreclosure at this point and I don't know what to do.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Experian I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX  Account Number : XXXX Description : Charge Off Inaccuracy # XXXX : XXXX XXXX  Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Description : NEVER LATE I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies.

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate
information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Debt collection

HEY IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE XXXX XXXX XXXX
Product: Consumer Loan

I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract '', transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need, but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due
Product: Credit card or prepaid card

In early XXXX I called American Express ( AMEX ) to discuss card options. The representative told me I was " preapproved for a Gold and Platinum card, we ( AMEX ) can have it to you in two days. '' I stressed the importance of such an upgrade since I grew up relatively poor and that card would have emotional significance to me. The representative then spent the next two hours details the benefits of both cards, stressing, really stressing, even pressing my to accept on the phone, that I was PREAPPROVED. Not considered, but that the card was " already mine, '' I " just had to say yes. '' I considered it and applied later that night. I was denied. With a hard credit check on my report. I have called AMEX 6 times since this incident because : 1. I was proud of the achievement in fixing my credit and so told many people I was getting a Gold card. Now I look like a XXXX 2. AMEX said they would review the call. They determined that they made no mistake, but would not send me a transcript of the call now let me review it. I have had to threaten legal action and they still say they " made no error. '' I can assure you that they did, as I spent two hours on the phone with someone who lied to me so they could make their quotas.

3. Two separate managers told me that what happened was unacceptable, and that I would be emailed and the problem would be solved. AMEX has completely avoided me, hoping I will go away. I will not. 
4.I told the representative on XX/XX/XXXX I would pursuing this further. They still would not send me the call Look, AMEX really played me. Multiple people have lied to me. My solution was ok, I'll pay for the Gold card ( I didn't even want anything free ) since that was what was promised. 

Now I have spent 20+ hours on this issue. I am beyond angry and AMEX negatively affected my credit score, made me look like an XXXX, and wasted my time. 
This issue has taken more than a month. AMEX has made 0 contact with me. They have admitted guilt but done nothing for me.
Product: Mortgage

In early XXXX I contacted Loancare to ensure my mortgage taxes would be paid on time. 

On XX/XX/XXXX I received noticed that my property taxes were delinquent and not paid. amounting to XXXX in fees from the XXXX XXXX  treasury department I called the company near XX/XX/XXXX and they were unwilling to to resolve it without me going through their ticketing process. I promptly uploaded the bill and created a ticket. 

No response to this ticket was received On XX/XX/XXXX I received another notification from the XXXX XXXX treasury department. I promptly uploaded this and to date have received no response. 

On XX/XX/XXXX I paid the city of XXXX the over due fees to prevent further issues with late fees and my tax delinquency I immediately called Loan Care to notify them and request reimbursement. They refused without formal notification through mail. After having to do multiple calls, I am no longer to hop through more of their hoops
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.