23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am presently in a rate reduction program with Navient because my student loan balance is very high ( {$170000.00} ). I would not be able to afford the regular loan payment ( approximately {$1100.00} per month ). My current loan repayment percentage rate is 3.25 %. My present payment amount is {$670.00} in the rate reduction program. On XX/XX/2019 ( today ), I called to extend the rate reduction program and was told that the amount would increase to 4.25 % with a monthly payment due in the amount of {$800.00}. The representative and I went into great lengths about all of my monthly financial obligations and the payments that I make a month ( mortgage, credit cards, utilities, etc. ) and it was found that I am in a negative status each month after all payments. I spoke to the representative and told him that I would not be able to afford that increased payment ( {$800.00} ) with my financial obligations and other loans that I would have to pay especially because after all my financial obligations are paid, I am in a negative status. I asked to speak to a supervisor and was transferred to a unit collections manager, XXXX XXXX. I told Mr. XXXX that I would like to keep my payment at the same rate because at this time, that is the payment I can afford. Mr. XXXX told me that he did a background check on me and checked out the house that I live in and the cars that I own. Mr. XXXX said that because of the house and cars that I own and drive that I should be able to afford {$800.00} payment. I told him that I am unable to afford that amount with all of the financial obligations that I have. He told me that he does not have to offer me any lower payment or lower my interest rate at all. I told Mr. XXXX that if he does not keep my payment at the same amount that I would have to default on my loan. Mr. XXXX said that it doesn't matter if I default on my loan. Mr. XXXX refused to even negotiate with me and keep my payment at an amount that I can afford. I asked Mr. XXXX to tell me the name of his manager and he told me her name is XXXX XXXX and gave me her phone number. He refused to give me an address for her even though I prefer to send my complaint in writing to Ms. XXXX. Mr. XXXX told me that it would do me " no good to contact her '' and that she would not try to assist me even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that need to be removed. I did not sign nor authorized such inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for account XXXXXXXX XXXX 

15 US 1681 Section 602 states I have the right to privacy. 
( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my 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.
Product: Checking or savings account

On XX/XX/2018, I opened checking and savings accounts with Citibank under a promotion that offered a {$400.00} bonus with the following terms : 1 ) Open a new checking and savings account in the Citibank Account Package betweenXX/XX/18-XX/XX/18 ; 2 ) Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account ; and 3 )  Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. I will provide a copy of the offer. I was an " Eligible Customer '' as defined by the offer, and I met the terms of the offer, but Citibank has not paid the {$400.00} bonus. 

According to my account statements, which I will provide, I deposited the required funds on XX/XX/2018, and I maintained the required minimum balance until XX/XX/2018. Citibank was supposed to pay the {$400.00} bonus within 90 days of when I completed the required activities. I completed the required activities by XX/XX/2018. Therefore Citibank should have paid the bonus by XX/XX/2018, but they did not. 

I contacted Citibank by " chat '' on XX/XX/2018, and again on XX/XX/2018, to inquire when the bonus would be paid. I will provide transcripts of these chat sessions. Both times, Citibank representatives assured me that I had met the terms of the offer. On XX/XX/XXXX, the representative said that I needed to " wait for the reward to appear. '' On XX/XX/XXXX, the representative said that Citibank would review my account and respond within 2-7 business days. I have not received a response, and Citibank has not paid the {$400.00} bonus.
Product: Money transfer, virtual currency, or money service

The sales associates are not demonstrating knowledge towards Walmart practices, and are verbally expressing incorrect information. A representative on the phone stated that in order to receive electronic finances, Ex. Moneygram, alternative forms of identification includes passports, credit cards, etc. I had kindly expressed what is addressed via complaint at this time with the associates. However, they did not listen. In addition, another representative previously claimed that a particular practice was per their policy. However, the manager and another associate stated that she was incorrect. It is now to a point where the associates at their location are not knowledgeable towards subjects such as these. Consequently, a complaint is now filed. Their failure to comply had resulted to interference with my own schedule.
Product: Credit reporting or other personal consumer reports

That I might be qualified for under Section 616 and Section 617 if the unverified things recorded underneath are not erase right away. A duplicate of this letter just a duplicates of the three composed letters shipped off you beforehand will likewise turn out to be essential for a conventional objection to the Federal Trade Commission and will be utilize as proof in forthcoming suit furnished you neglect to agree with this proposal of settlement. Regardless of three composed solicitations, the unsubstantiated things recorded underneath still stay on my credit report infringing upon Federal Law. You are needed under the FCRA to have a duplicate of the first banks documentation record to check that this data is mine and is right in the consequence of your examination, you expressed recorded as a hard copy that you checked that these things are being accounted for effectively? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a Purchaser contract with my mark on it ) as needed under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) Besides you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). Kindly be exhorted that under Section 611 ( XXXX ) ( A ) of the FCRA -- - you are needed to immediately DELETE all data which cant be confirmed.
Product: Student loan

The company continues to deny that they had accepted payments > 30 and > 60 days, without credit reporting, due to that having been their policy until XXXX. The company accepted payments > 30 days past due for years. From my recollection, the reason that the company accepted payments > 30 days without reporting to credit, was because it was too difficult to track when there was repayment assistance in place. Subsequently, I was reported, out of the blue, XXXX XXXX XXXX days and XXXX XXXX XXXX in 2021, without notice. I spoke to multiple company representatives and the executive offices, and was verbally advised that Discover arbitrarily change their reporting policies. Being that this is a credit reporting issue, and more importantly, illegal, I would really appreciate the CFPB 's assistance in getting these items removed from my and my co-signer 's credit report. My credit report reflects responsible payment history, with exception to this issue. I also see this as a way for the company to continue to hold my student loans at their high rate, due to impacting my credit and hence, affecting my ability to refinance them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the XXXX   XXXX XXXX  and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

* Contacted XXXX XXXX XXXX XXXX XXXX  back in XXXX to correct the balance * Called XXXX on XX/XX/XXXX and spoke to XXXX who works on XXXX XXXX XXXX XXXX XXXX ( who was very helpful ) along with XXXX who manages coordination with XXXX XXXX XXXX XXXX XXXX. XXXX conveyed her apologies for the oversight of the late reporting, and payment history since the account was settled in XX/XX/XXXX, but their documentation reflects XX/XX/XXXX. 
XXXX stated that XXXX would update the credit score that day, but it would not reflect until XX/XX/XXXX. XXXX advised me to reach out to the law firm XXXX XXXX XXXX ( XXXX ) XXXX for the satisfaction of Judgement ( SOJ ) I spoke to XXXX XXXX who was not helpful at all, and suggested I call XXXX back. 
* XX/XX/XXXX I had a conference call with my Mortgage Counselor ( XXXX ) and XXXX to get an update on my credit score and documentation. I asked to speak with XXXX since she spoke to me initially, but XXXX who was very guarded with her responses and stated she was not available, but she would try to help. XXXX basically confirmed what I already knew to be true... nothing was done, and no documentation was available. XXXX also mentioned that the refund would be sent to XXXX XXXX, but did not share the amount. XXXX made note of both XXXX and my email address to forward the requested documentation. 
XXXX I received a letter from XXXX regarding my credit dispute stating " we do not have enough information from you to review your inquiry ''. 
XXXX called XXXX XXXXnd spoke with XXXX who stated XXXX  received the reference number for the SOJ but would not give me the number, but suggested I reach out to the District Court 's office. 
XXXX My mortgage team had XXXX XXXX XXXX XXXX ) reach out to me to have my tradelines updated without any late payments. XXXX ( XXXX ) and I conference called XXXX and XXXX who was extremely helpful ( manages coordination with XXXX XXXX XXXX XXXX XXXX ) answered the phone and apologized for the inaccurate reporting, answered all of XXXX questions. Even though her office has a copy of the ( SOJ ) its not signed by the XXXX. XXXX suggested I reach out to the XXXX XXXX for an update. I called the Law Office again and spoke to XXXX XXXX again who couldn't even find my file with my account number. He found it eventually and confirmed that SOJ was still not signed, but that it could take a few days. I stated that's what you said this the last time, and nothing has happened! He was not professional towards the end of the call. 
XXXX XXXX XXXX out to me and stated that late payments are still reporting on my credit history even though it has a XXXX balance. XXXX suggested I call XXXX again to have them correct it. XXXX stated she always has difficulty when dealing with XXXX XXXX. A formal complaint to Consumer Financial Protection Bureau ( CFPB ). 

I will call today again on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. Account Name : XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Mortgage

My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.
Product: Credit reporting

I have disputed this item listed on my personal credit file. I do NOT owe on any judgment and took it upon my self to search and this case file there are no charges. I have disputed and requested the agency to remove. Why are they not removing this item? It is inaccurate informationXX/XX/2010 / XXXX
Product: Debt collection

Please see complaint filed XX/XX/21 - XXXX Submitted complaint XX/XX/21 for debt collection contacting/sharing someones information improperly. Company wrongfully wage garnished my stepmother at her employer after obtaining her social security number. Company refused to email me back or find my file via phone call. I contacted the attorney generals office because to be quite honest this has been a nightmare - they sent me the findings with the companys case notes which clearly show the my stepmothers social security number with my name and mismatch information. They wrongly wage garnished a person and clearly did not do their due diligence to ensure correct information. - Follow up below on why I am contacting you yet again on this issue : Jefferson Capital stated in the companys response Please be advised that Jefferson Capital does not have any personal information belonging to your step mother, Ms. XXXX XXXX. 
After reviewing the companies case notes obtained from the attorney generals office- file number ( please contact me ) on XX/XX/21 Jefferson Capital already began to use my stepmothers social security number, showing they clearly obtained XXXX XXXX XXXX stepmothers ) personal information.
Product: Mortgage

Nationstar mortgage has incompetent and irresponsible accounting practices. Since they have acquired my loan, they have missed property tax payments due from my impound account, lost payments, miscalculated unpaid balance owed with timely payments, and have the audacity to send me a letter saying I owe them a late fee. My credit scores are over XXXX, and I 've never missed a payment on anything. EVER! I do not trust they are operating with a fiduciary responsibility to their clients. It 's unethical to place a customer, who is making early on/time payments in harms way with regard to their credit. Their poor accounting practices are placing my credit in harms way.
Product: Credit reporting or other personal consumer reports

Tried to update my address with credit bureau and remove all address that's is not mines company did not update address and remove address
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX these account are all fraudulent I would like these to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX XXXX with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$220.00} ) with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$150.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$250.00} ) with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$720.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, Experian and XXXX  have it marked as late, charged off with a blance. 

I disputed the account XXXX with XXXX, Experian and XXXX  and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX  have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, Experian and XXXX  have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Product: Debt collection

My family moved into XXXX XXXX XXXX on XX/XX/XXXX. The building was " XXXX ''. My lease was for {$1400.00} for the unit, and {$100.00} for parking each month. The terms of the lease that I signed included that I needed to give at least 30 days written notice of intent to move out. I gave XXXX days notice via email to the building XXXX on XX/XX/XXXX, XXXX told me that I needed to give 60 days notice, however that was not a term of the lease I signed. I paid all of my rent and parking fees through the whole period. I have documentation of that. I tried to schedule a walkthrough with the building before I left but they said to just leave the keys inside the apartment. I took a video on XX/XX/XXXX at XXXX, the day we moved out, to show the condition of the apartment. It was very clean. I was not contacted by XXXX regarding any owed debts at all after I moved out. I then got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. They said I owed {$1100.00} ( XXXX # : XXXX ) from XXXX. I requested validation of the debt and they mailed it out on XX/XX/XXXX and I received it on XX/XX/XXXX. It included vague charges including " Charge- gross potential rent '' and " Charge - parking other '' and " Charge - Damages ''. There were no details of the specifics of what was owed. I do not owe those debts. There was also a security deposit of {$1200.00}. It was never returned to me and it is not clear why it was not used for any of those alleged debts.