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

I was working in XX/XX/XXXX and taking online XXXX XXXX. I lost my job due to an assault in XX/XX/XXXX, I was unemployed and asked XXXX XXXX for a unemployment deferment. It was repaid in full once I received my XXXX and money from an inheritance. It is still on my credit report 5 years later. 

I was receiving the bills for this person 's loan and was harassed on the phone by Navient for payment. 


XXXX XXXX & Submitting Documents XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Or Fax Documents U.S. : XXXX or International : XXXX Please include a cover sheet with your name and account number on all faxed documents. 

XXXXXXXXXXXX ________________________________________ Thank you for contacting the XXXX XXXX XXXX XXXX We created case # XXXX to track your inquiry. Below is information relating to the case. A customer service representative will provide assistance within 2 business days. 
For general information please review our Frequently Asked Questions. 

Customer By CSS XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XXXX Attached Message From [ link removed ] To [ link removed ] Subject Re : Your Federal Direct Loan Disclosure Statement Date Sun, XX/XX/XXXX XXXX XXXX Please contact this person at his home address. 


I am not responsible for this bills Your Direct Loan disclosure statement is available on our secure [ link removed XXXX Web site. You will need your FSA ID to log in. If you do not have an FSA ID, you may obtain one on the [ link removed XXXX Web site. 

To view your disclosure statement, log in to XXXX link removed ] and print or save a copy for your records. 

Your disclosure statement provides information about your student loan. It is important to keep all correspondence in a safe location for future reference. Your disclosure statement will be available for you to retrieve for a limited time. Therefore, we encourage you to take the time now to retrieve your copy. 

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed ( paid out ), or no longer wish to receive the loan, contact your school 's financial aid office. 

After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer. Your loan servicer will contact you and provide their name and contact information. Your servicer will service, answer questions about and process payments on your loan. 

To view the list of servicers and their contact information, select the " Additional Information '' link on the " Contact Us '' page of StudentLoans.gov. 

Sincerely, U.S. Department of Education Federal Student Aid William D. Ford Federal Direct Loan Program Do not reply directly to this email. 
If you wish to contact us, email [ link removed XXXX. 

Connect with us : Subject : StudentLoans - General Questions Case Type : XXXX General Inquiry Date Created : XX/XX/XXXX XXXX XXXX Last Updated : XX/XX/XXXX XXXX XXXX Status : Open omplaint. 
ID FOR COMPLAINT SENT TO NAVIENT XXXX
Product: Mortgage

New Rez took over my mortgage in XXXX. I received a letter in XX/XX/XXXX stating that I was overdue on my payment for XXXX. My bank statement showed that the payment went through XX/XX/XXXX ( I make payments 1 month ahead of schedule ). I called the company to sort out the issue and was told to email XXXX with proof of XX/XX/XXXX- XX/XX/XXXX payments. I emailed screenshots of the payments to this address but did not receive a response. I continued receiving letters showing an overdue balance and late fees. 

I called again on XX/XX/XXXX and was told to send bank statements from XX/XX/XXXX- XX/XX/XXXX to XXXX XXXX XXXX XXXX. I sent the statements that day. I did not receive any response but continued receiving letters with overdue balance and late fees, so I called again on XX/XX/XXXX. This time, I was told to send the statements to XXXX, and that I would receive an update later that day. I emailed the statements immediately but never heard back. I continued receiving the outstanding balance letters. 

On XX/XX/XXXX, I emailed both XXXX and XXXX XXXX XXXXXXXX XXXX requesting an update. I also attached my latest bank statement for XXXX that showed I made a payment on XX/XX/XXXX. No response. 

On XX/XX/XXXX, I attempted to pay my monthly payment on the New Rez portal. I was not able to make the payment without including late fees ( which I should not owe since my payments have all been on time, 1 month ahead of schedule ). I emailed both XXXX and XXXX XXXX XXXX XXXX again, including a screenshot of the error and a request for a status update since I have heard nothing back. 

Throughout this process, I continued to make my payments one month ahead of schedule. I have never received any communication back from New Rez, despite being promised both phone and email updates.
Product: Checking or savings account

You allow Wells Fargo to police themselves that's how they got into the issues. I should be part of the wells Fargo settlement however they can't find my accounts. They did not look hard enough I had them years ago and the information is online which I do not have access to they conveniently only found one account without any fees. Well look more for the accounts I did have account number XXXX with them as well as another account that had my payroll check frozen they conveniently could not find that account either. I don't have any of the informtion they are asking for to " research '' my question. How could they possibly work this settlement if they can't even find my account informtion. All they have to do is find the one account and look for others.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and found inaccurate and incorrect information reporting on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

XXXX  XXXX  XXXX  Original Creditor : XXXX XXXX Amount ; {$1800.00} Date Opened:XX/XX/XXXX Transunion/XXXX
Product: Vehicle loan or lease

I submitted a payment of {$380.00} on XX/XX/XXXX using my XXXX XXXX  account with a customer service rep over the phone ( attached ). The rep verified that the transaction was successful and even provided me with a verification number. TFS sent me an email on XX/XX/XXXX confirming the payment was received ( attached ). 

However, on XX/XX/XXXX, about two weeks later, I received an email advising me that there was an issue with my TFS account. Upon making the phone call I discovered the payment I made on XX/XX/XXXX, with a rep on the phone, who confirmed it was received, was actually returned days later. It was interesting to me because I have about XXXX in the account that I used so there's no reason that it should have been returned. I've attached my entire barclays account details showing there was sufficient funds in the account at the time of the transaction. I even spoke with a rep on XX/XX/XXXX who said they can not find a reason as to why the payment returned. The rep I spoke to on XX/XX/XXXX when I made the payment was able to determine that the account came from XXXX XXXX account without me telling him, so it could not be account info I provided. 

I'm disgusted at this company 's XXXX of ability to inform me that the payment was not received right away. And then incompetent 2 reps had the audacity to tell me that today that a payment processing center such as TFS is unable advise customers if a payment was returned ... yet you all are a PYAMENT PROCESSING CENTER. It's absolutely ridiculous and financially abusive. Additionally, it's a complete lie made up by reps that lack enough empathy to thoroughly do their job correctly. I've attached an email from TFS from XX/XX/XXXX where they were able to advise me via email that my payment was returned, so there SHOULD BE NO EXCUSE as to why they were unable to tell me or any customer that a payment- especially one that was verbally confirmed to be received on a recorded line- was actually returned to my bank days later. 

Additionally, a rep confirmed that I my payment was reported to the credit bureaus as delinquent. I'm disputing this matter based on the fact that TFS deliberately made it a point to not advise me that my payment was returned, especially when they seemed to have enough sense to do so in the past. I'm facing financial hardship from being affected from covid and to make it worse, TFS 's automated system is currently warning customers that there's an issue with TFS payment processing. If you all are aware that there is a systemic issue, aware that I submitted a payment that was returned and forgot to advise me so I can make a another payment right away and avoid being negatively reported to the credit bureaus, then there should be no reason why this payment was reported as delinquent to the credit agencies. Please correct the credit reporting of my payment and adjust my payment receipt date ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called Santander Consumer USA to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called Santander Consumer USA 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with Santander Consumer USA and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated Santander Consumer USA is absolutely not going to remove the write off from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : XXXX XXXX, XXXX XXXX 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: Debt collection

This is a debt collector trying to collect a debt my mother in law allegedly owes. I have told them I am no longer in contact with her. They have called me twice this morning before XXXX. I just want them to stop calling me
Product: Debt collection

Vance and Huffman Llc claims that {$1200.00} is owed by XXXX which XXXX was involved in a lawsuit & debt is considered not owed anymore. Sent in paperwork showing proof that the debt is considered no longer owed. It is public record if you type in XXXX XXXX. I tried disputing it through credit bureaus. They dropped it off one credit report but wont drop it off the other XXXX. XX/XX/2023 I reached out to company as to why was the information updated as being owed. I was told on a recorded line that the debt would be deleted. I checked XXXX  & they reported it as accurate
Product: Debt collection

RESURGENT/LVNV FUNDING is trying to collect a debt from me in the amount of {$240.00} dated XXXX that i have zero knowledge of from a time were i had no credit and filled no applications out i did not even begin working on my credit until XXXX of XXXX and have no idea what this is for nor can they tell me i have never made purchases with finger hut and they will not produce an invoice or any other proof and just keep reaffirming the debt i have asked for documentation and am being ignored by them and i want them off my credit history it is a debt i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On XXXX my balance was updated and not my status. This has left me in a derogatory status on XXXX and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of XXXX as missed payment and currently late with an updated balance of XXXX from XXXX
Product: Debt collection

I checked my credit report to find several debts that I never even heard of. I then Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them on XX/XX/23 and asked for proof ( Attach ) of how they came to have this alleged debt. I have received nothing and they are still listed on my credit report today. 

In accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. 
THEY MUST PROVIDE XXXX the original purchase agreement that shows their company is the legal owner of this alleged debt XXXX. The original contract WITH MY SIGNATURE from the company XXXX. A DETAILED BREAKDOWN of how they came to the total they have XXXX. I would also like a copy of the LAST BILLING STATEMENT from the original debt to verify the totals. 
Please include all of the Terms and Conditions that are included in this supposed agreement ( XXXX ).
Product: Credit card

I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. 

I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.
Product: Credit reporting

This has been an ongoing issue with equifax since XX/XX/2015 to present. I have attempted numerous times to have identity theft information removed from my credit report with equifax. Instead of them removing the information they keep reinvestigating and not providing any documents, not providing my legal signature on a contract or any contracts at all. As one last ditch effort I mailed out another request to Equifax requesting to have these items removed and it has been 30 days with no response. NO CONTRACTS OR DOCUMENTS have been produced. I have also provided credit reports from XXXX and XXXX because they have complied and have removed this information and not reporting as EQUIFAX continues to do so. Equifax continues to apply stall tactics, not complying with FCRA and not complying with the law for consumers.
Product: Money transfer, virtual currency, or money service

PayPal closed my account on Tue, XXXX  XXXX when it had a balance of {$11000.00}. I have requested a check for the balance of the account but they have not complied.
Product: Debt collection

I never had a problem with this company until the last month they were collecting on my debt. They were collecting on a   XXXX   XXXX   credit card. We had a payment plan set up with them since    2014. D uring my mortgage application process, the company asked for documentation of the payment. When I ca lled FMA Alliance to g et written documentation they informed me they were no longer collecting on the account. This was never verified in writing. I explained to them the situation and asked for payment history to be sent. I c alled three different days in  early  XXXX . Each time the person told me that they will mail me the payment history and to wai t 10 business days. After 10 business days, I still did not receive anything. I called again and was transferred to a manager,   XXXX   XXXX . She told me that because they were not still collecting on the account they did not know if they could even give me verification of the payment history. She told me she would call me back. I never received any verification or a call back. I wrote a letter to ask for written documentation of my payment history and to verify they are no longer collecting on the debt. I still have received nothing. Then today I received a call from the company trying to collect a debt for a completely different person. This is completely unorganized. There is no reason I should be able to get a letter stating I was making automatic payments for years in order to obtain a mortgage. I have never heard of a company with holding this information from a client before. I made automatic payment for years, I would just like verification of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX I inquired about debt consolidation loan on the companies web page clearly states they do a soft pull that does not effect your credit report. This is a False and Misleading statement on their web page, they do a hard inquiry and it has effected my report.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity.
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, 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 a purpose.
Product: Credit reporting or other personal consumer reports

I sent a dispute to all XXXX major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. XXXX wrote back saying the acct was verified which is not what I had asked.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX/ Experian / XXXX Account Number : XXXX XXXX/ Experian / XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX XXXX/ Experian / XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to update and escalate my complaint against Experian for their continued violations of the Fair Credit Reporting Act ( FCRA ) regarding identity theft and improper credit reporting practices. 
Key Issues 1. Improper Denial of Fraud Block Request : * Despite submitting all required documentation, including an FTC Identity Theft Report ( Ref. No. XXXX ) and a police report, Experian has denied my request to block fraudulent items under FCRA 605B. 
2. Unlawful Reinsertion of Previously Blocked Items : * Experian has reinserted items previously blocked due to fraud, such as XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, and others, without providing the required notification and certification as outlined in FCRA 611 ( a ) ( 5 ) ( B ).

3. Failure to Provide Substantiation : * Experian has failed to provide any evidence to support their claim that my block request was based on material misrepresentation or that I knowingly participated in the disputed transactions, violating FCRA 609.

4. Ongoing Reporting of Fraudulent Accounts and Inquiries : * Experian continues to report fraudulent accounts and inquiries, causing financial harm and emotional distress.

Resolution Requested I am requesting that the CFPB : 1. Investigate Experians non-compliance with FCRA 605B and FCRA 611 ( a ) ( 5 ) ( B ).

2. Require Experian to re-block all fraudulent accounts and inquiries identified in my FTC Identity Theft Report ( Ref. No. XXXX ). 
3. Ensure that Experian provides full substantiation for any disputed items they claim to verify.

4. Impose penalties and require Experian to compensate me {$10000.00} for the financial and emotional harm caused by their actions.

Attachments I am including the following documents for your review : * FTC Identity Theft Report ( Ref. No. XXXX ) * Police Report ( Report No. XXXX ) * Copies of Experians responses and prior correspondence Thank you for your attention to this matter. I look forward to your assistance in resolving these issues. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX  Credit Card was reported on to my credit profile on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am victim of identity theft because I didn't apply for this credit card and I don't own this credit card I have contacted the credit bureau and put a security feeze on my credit profile. I reported this as identity theft.