23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since XXXX of 2010 navient when navient become my student loan providerI have encountered several significant issues that have prompted me to reach out. Listed below are a breakdown of my issues Inaccurate Billing : I have noticed discrepancies in my monthly statements. Specifically, my payments have not been properly credited, leading to confusion about my outstanding balance. This has caused me to worry about potential late fees and impacts on my credit score. 

Customer Service Challenges : When I attempted to resolve these billing issues, I faced long wait times and unhelpful responses from customer service representatives. On multiple occasions, I was either misinformed or given contradictory information regarding my account status and payment options. 

Lack of Transparency : I have found it challenging to access clear information about my loan terms and repayment options. Despite my repeated requests for documentation, I have not received a satisfactory explanation of my loan details, which makes it difficult for me to manage my payments effectively. 

Payment Processing Delays : I have experienced delays in the processing of my payments, which has led to unnecessary stress and the potential for late fees. I expect timely processing, especially when payments are made on or before the due date.I believe I was steered into costly repayment options that have forced me to pay much more than they should have.i kindly request that you investigate these issues and issue a complain on my behalf to potential dissolve my current balance of {$51000.00}. I attached and example of a forbearance request I received in which I never requested as an example. I would appreciate a detailed response outlining the steps you will take to rectify these problems.
Product: Debt collection

this agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means and harassing.have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( XXXX  XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And charge off accounts that is tag or labeled FDCPA Section XXXX Violation Misleading False Reporting should be deleted and collection account Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/2019, the President shut down the XXXX XXXX for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, Myfico account report a 30 days late from XXXX XXXX on my XXXX and Transunion and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is allowing XXXX XXXX XXXX to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company by the name of Portfolio Recovery has bought a bad debt from XXXX XXXX bank and Portfolio Recovery service has Re-Aged the open date when they bought this bed debt from XXXX XXXX XXXX I have tried calling XXXX XXXX XXXX they have no records of this debt also I have requested Original Contract of this debt Portfolio Recovery Keeps sending me letters stating I owe this bad debt they bought how is the law allowing them to Re-Age or change the original Open date this is false open date there is no original contract this is a bad debt. Portfolio Recovery needs to delete of my records permanently
Product: Checking or savings account

I disputed a charge which was over XXXX i never attended the event. They recharged me over again for something i didnt attend.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XXXX. 
I was forced to file for chapter XXXX bankruptcy in XXXX because of the lack of willingness by a student loan company to work with me on the payment amount. Just before I XXXX from XXXX, I suffered from a serious medical condition that forced me to be out of work for about six months. In XXXX the economy was starting the downward spiral, I managed to get XXXX jobs XXXX at minimum pay and eventually got a job with the Social Security XXXX in XXXX XXXX. My starting salary was {$37000.00} per year. I had my young son and a household to support. The student loan company did not care and based my payment on what I earned. I could not afford the payment thereby filing for chapter XXXX bankruptcy. I made the court ordered payments to the trustee who then sent payments to the student loan servicing company, XXXX. My bankruptcy was discharged in XXXX XXXX. What I was not aware that XXXX sold my loan to ACS Loan Services, it took ACS 4 months to inform me that they were now servicing my student loan and then informed me that they added capitalized interest of {$14000.00} onto my loan, bringing my loan amount to {$100000.00} at an interest rate of XXXX. My payment is now {$680.00} per month. I never received any kind of notices or information from the either student loan servicer that this was happening. I have tried to dispute the capitalized interest with ACS with no relief. I have been sending in partial payments of what I can afford. I have managed to make a full payment the last three months but ACS keeps charging me late fees, applies none of my payment to the principle and the balance of the loan keeps growing and the interest keeps compounding. Over 6 years I have payed XXXX and ACS about {$25000.00} and my student loan principle has never gone down, it continues to grow. This is extremely distressing, I am XXXX XXXX XXXX and will never be able to pay this off. I am not disputing that I am obligated to pay the loan, I am disputing the {$14000.00} ACS added onto the balance. I have made a good faith effort by making payments towards this loan, but, at this rate I feel this situation is hopeless.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXX/XX/XXXX
Product: Mortgage

M & T Bank does not process payments on time. Our last payment was mailed on XX/XX/2021 and as today XX/XX/2021 hasn't posted. Since they took over our loan, they have not posted any payments on time. 
I suspect that they are doing this on purpose to charged late fees. 
Their lame excuse is that the USPS is not delivering mail on time. All the other payments that were mailed on the same day were received and cashed by corresponding companies. 
I just called them today and they were very arrogant regarding the situation.I asked the rep by the name of XXXX XXXX ID XXXX to trace the payment and he refused to o so. 
We do not want be charge a late fee or damaged our credit due to their excuses and cavalier attitude towards customers. 
Please investigate this matter since I suspect its an ongoing issue with M & T Bank.
Product: Payday loan

See previous complaint for initial details. 

My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side. 

Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.
Product: Debt collection

After instructing the company on how they CAN contact me ( via email or mail ), they have continuously called my cell and WORK phone. I specifically told them not to call either. 

Received calls at work on XX/XX/22 and XX/XX/22. 

Received calls on my cell XX/XX/22 and XX/XX/22. On XX/XX/22, they called my phone FIVE times in a row when I didn't answer at XXXX XXXX and from a number that did not identify them ( XXXX - a number that is registered to a cell phone in XXXX, AL ). 

I recognize I owe them money and always pay my debts. The payments may be late, but they are always paid. However, I can not have calls at work and they harass my cell, so I have told them not to contact me in that way and gave them ways to contact me- using the sample letter on CFPB 's website. Prior to sending the letter, they were attempting to contacting me every day, several times a day. Letter is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Lexis Nexis and customer service representative XXXX. I just sent 28 minutes with XXXX on the phone from XXXX on XX/XX/2021. During the phone call XXXX gave me erroneous information and when I point things out to her she attempted to change the facts. 

I have spoken with XXXX on several different occasions and as recent as of Wednesday, XX/XX/XXXX. I called to check on dispute of bankuptcy listed on my Lexis Nexis report. She said that Lexis Nexis is contacting the " Courts ''. I find that odd because it is not the practice of the US Bankruptcy courts to provide information to data furnishers such as Lexis Nexis. 

XXXX went on to say that my dispute was started in XX/XX/XXXX. I challenged her on that because I emailed Lexis Nexis on XX/XX/XXXX at XXXX and I have a reported date XX/XX/XXXX that the Bankruptcy was disputed on XX/XX/XXXX. She went on to say that I requested a dispute to the bankruptcy listed on my credit reports. To which I told her I did not to that because there were no bankruptcy listed on my credit reports at the time. I told her that Lexis Nexis initiated these disputes on their own accord without my knowledge and permission.

I then requested to speak to a supervisor to which she told me a supervisor would call me back in 24 hrs. I find that odd because Lexis Nexis is closed on the weekends.
Product: Credit reporting or other personal consumer reports

There are two ( 2 ) accounts reporting with the same account number ( 1 ) Account Name : XXXX XXXX XXXX Account Number : XXXX and ( 2 ) Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX. Both accounts are one in the same and are reporting to the same Credit Reporting Agency with XXXXnaccurate Data as highlighted on the XXXX Credit Report. The inaccuracies are highly injurious to my credit report and score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D. If the information is coming from the original creditor all information should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report. 
Account Name : XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Balance : {$120000.00} Balance : {$120000.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX In the remarks you claim the account is in Forbearance, but in the payment history you are reporting XX/XX/XXXX and XX/XX/XXXX both XXXX days late. How can both of these be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
You say the date of last payment was XX/XX/XXXX but on your payment history you have XXXX days late for XX/XX/XXXX ( XXXX  ). How can a payment be made in September and the account is XXXX days late at the same time? That makes no sense to me. How do you explain this? Is the date of last payment correct? Is the account XXXX days past due are you seriously saying I made a payment in XXXX  and I was also XXXX  days past due? Base on this clear inaccuracy I request you delete the entire accounts from my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX REPORT AS PAID AS AGREED XXXX XXXX NOT AS UNRATED. 

WAYFAIR ACCOUNT # XXXX PAID AS AGREED THEY WERE NOT IN THE XXXX XXXX CITI ACCOUNT # XXXX REMOVE COMMENT I MADE XXXX ACCOUNT # XXXX PAID AS AGREED XXXX XXXX NOT UNRATED XXXX ACCOUNT # XXXX SHOULD NOT BE ON HERE AS IT IS A DUPLICATE CARD AND ITS NOT ANOTHER CARD BUT REPLACEMENT AS THEY SENT OUT THEY ARE MAKING IT OUT TO BE ANOTHER ACCOUNT WHEN ITS NOT. THIS SHOULD NOT BE ON HERE AS XXXX ACCOUNTS BUT XXXX SO THEY NEED TO CHOSE WHICH ONE AND REPORT XXXX AND REPORT AS AGREED XXXX XXXX XXXX NOT UNRATED AS I WAS AND DID ALWAYS PAY UNTIL XXXX XXXX XXXX ACCOUNT # XXXX COMMENT I MADE CAN BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX   Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was called by a person claiming to be a XXXX XXXX rep after I received a text about a potentially fraudulent charge. I was instructed to send Zelle payments in order to have them flagged as fraud and theyd come back into my account.
Product: Checking or savings account

When I logged into my USAA mobile app and online, I received a message from USAA bank that said if I didn't answer their 40-minute survey, I would be locked out of all of my accounts. I called the bank and confirmed that they would suspend my accounts unless I answered their questionnaire. 

Their justification for their threat was that it was part of their terms of service. I did the survey and noticed all but a couple of the questions were related to a service they provide called XXXX. I don't see how it's legal for an FDIC-insured institution to threaten to prevent me from accessing my money if I don't participate in their sales and marketing questionnaire.
Product: Credit reporting or other personal consumer reports

The account is with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all 3 credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all 3 on or about XX/XX/year>. All 3 credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I called XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint.

All 3 credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!
Product: Payday loan, title loan, or personal loan

Speedy Cash sent postcards to my house saying that I could take out a second title loan on the same vehicle for which I already have a title loan. In addition, it wasnt made clear to me that the annual APR is close to 100 %. I feel as if this is a predatory practice and also have been informed that it is not legal to have 2 title loans out on the same vehicle. I have suffered a great financial burden as a result of this predatory loan and I would like it to be dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an XXXX XXXX online from XXXX. On the very same day I canceled the order because we found out due to school regulations my son couldnt take this type of battery type item to his school. We immediately contacted the company but they shipped it anyways claiming a time difference made them not see cancelation. They told us to reject the XXXX package when it arrived and it would be returned to their warehouse in XXXX, California. On XX/XX/XXXX we REJECTED THE PACKAGE AS INSTRUCTED. On XX/XX/XXXX it made it back to XXXX XXXX in XXXX, California and was SIGNED FOR AND WE HAVE PROOF OF DELIVERY XXXX AND NOTIFICATIONS FROM XXXX. The XXXX company of course has given us the runaround for 7 months claiming they are in XXXX and need to XXXX XXXX with their warehouse guy if he got it, I EXPLAINED HE SIGNED FOR IT!!! NEEDLESS TO SAY 7 months later I still have no refund of the {$270.00}. Upon researching and talking to many people they said but you used a CREDIT CARD and credit cards provide CONSUMER PROTECTION!!! I have had both of my disputes with DISCOVER CARD denied. They RIDICULOUSLY claim I need written proof on XXXX XXXX that XXXX exists at the XXXX address. XXXX told me this is the most ridiculous thing they returned it to sender and gave me proof but DISCOVER says its not good enough proof??????? I have been a DISCOVER CARD holder for nearly 30 years and this is the first thing I have ever asked for help with and I will NEVER ever use Discover again. Please help my son still doesnt have a birthday gift 7 months later because I need the darn money back that is RIGHTFULLY AND LEGALLY MINE.