23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My complaint is about Edfinancial services who hold my subsidized student loan, tax id number : XXXX. I wanted to set up auto payment or set up a regular scheduled payment for once a month, but the loan servicer said that I am ineligible for auto payment or making scheduled payments past 2 months because I am in loan forbearance. I understand that I technically do not have to make a payment during loan forbearance, but why can auto payments and scheduling payments past a 2 month mark only be allowed on loans that are actively accruing interest. This seems like a very shady practice to disallow previous students who signed up for the loans from being able to pay the loans off before interests starts to build. I want to set up an auto payment a a specific dollar amount for each month or at least schedule payments for the next year rather than having to manually make a payment every month.
Product: Credit reporting

I mailed a debt validation letter to Calvery Port for a XXXX Credit Card. However, I have not received a response in way over 30 days.
Product: Credit card or prepaid card

XXXX  has failed to pay out the XXXX gift card owed and has essentially STOLEN. On XXXX XXXX I traded my XXXX ( {$65.00} ) and XXXX  ( {$49.00} ) gift cards in trade for an XXXX gift card. They gave a 2-3 day max and did not receive payment. They have sent an automatic reply twice. How do we allow companies like this to stay in business? Hundreds of others are being scammed too per reviews.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit card or prepaid card

Good Evening, I submitted complaint XXXX against Capital One and XXXX  regarding a 30 day late on my credit report after I paid the indicated past due balance to Capital One. 

I received a phone call from XXXX with the executive office at Capital One advising me that she had reviewed my file and that I had paid the past due fee, which is not the past due amount. XXXX admitted that the statements can be confusing and that Capital One does not include the past due amount on their statements because they do not want you to pay the past due amount only, they want you to pay the amount in full. The issue I have with this is, if a consumer can not pay the full amount, it is not Capital One 's decision to take the ability to make the past due payment and avoid a 30 day late on their credit report away from the consumer. XXXXCapital One did not reverse the 30 day late as they state they were correct in reporting it because I only paid the past due fee ( which I understood to be the past due amount ). 

I find the practices of Capital One to be unethical. Per XXXX, I would have had to contact collections to find the true past due amount. My question to XXXX was, how was I supposed to know to contact Collections? Capital One is deceitful and very uncooperative. 

I also asked Capital One to assist me during my financial problems. I am currently a XXXX XXXX  XXXX, on full bed rest and unable to avoid the high bills I'm receiving every month from Capital One. I explained my circumstances and I was denied assistance with paying my bills. I was told there was not program that could be offered to me. I find this hard to believe! It only seems logical that Capital One would like to receive some portion of their payments every month instead of me not being able to pay them anything and having my credit ruined because of my unavoidable inability to pay. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and Experian. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the XXXX, XXXX, and Experian. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets XXXX, XXXX, and Experian know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, XXXX XXXX of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 65 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 65 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.
Product: Debt collection

I got a phone call from my mom that she was told western shamrock was going to sue me for {$1000.00} and also sue my boyfriend for {$1000.00} and we both have loans there also told her how much I had to pay. They also call me several times a day
Product: Mortgage

I have a complaint about money removed from my escrow account by Flagstar to pay for someone else 's homeowner 's insurance. 

On XXXX, {$1100.00} was paid to a XXXX XXXX XXXX  for homeowner 's insurance for someone else 's unit in the condominium building where I reside. The policy had a different person 's name and didn't have my unit on it. 

My insurance coverage is from XXXX XXXX XXXX XXXX. The premium for my actual insurance was paid from escrow on XXXX for {$470.00}. 

Even after identifying this issue with multiple Flagstar employees who acknowledge the accuracy of this accounting of the situation, the money has never been put back into my escrow account.

I have made the following contacts with the Flagstar insurance department to get this fixed without success : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I requested that the money be returned to my escrow account -- didn't happen.

I requested that someone in management contact me -- didn't happen.

I also requested that a formal complaint inside the company be filed for how this case was being handled -- I am unaware if this occurred since I have not been contacted.
Product: Debt collection

Ally has violated my Federally Protected Consumer rights under the FDCPA and TILA. 

ALLY FINANCIAL is a debt collector pursuant to 15 usc 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt.

ALLY FINANCIAL is in violation of 15 usc 1692c ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

ALLY FINANCIAL is in violation of 15 usc 1692b ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

ALLY FINANCIAL is in violation of 15 usc 1692b ( 5 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

ALLY FINANCIAL is in violation of 15 usc 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person with the collection of a debt. The use of obscene of profane language or the natural consequence of which is to abuse the hearer or reader.

ALLY FINANCIAL is in violation of 15 usc 1692c ( a ) ( 1 ). A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

ALLY FINANCIAL is in violation of 15 usc 1692e ( 8 ). Communicating or threating to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

ALLY FINANCIAL is in violation of 15 usc 1635 ( a ) in the case of ANY consumer credit transaction in which security interest is obtained, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following delivery of rescission forms required under this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting the unauthorized inquires be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, Transunion and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX ( XXXX ) XXXX/XXXX  XXXX/XXXX   XXXX/XXXX XXXX/XXXX  ( XXXX ) XXXX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED FTC ON THIS COMPLAINT AND SUPPORTING DOCUMENT FOR MY CLAIM ON THE ACCOUNT THAT SHOULD BE DELETED ON MY REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion LLC Consumer Dispute Center po box XXXX  XXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX XXXX XXXX  XXXX XXXX XXXX MD , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX  XXXX  XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXX.I also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1.XXXX  XXXX 2.XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX  XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. XXXX  XXXX2.XXXX  XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2019 I contacted my bank about a deposit that's was coming in needed to be returned to my employer. I talked with several people including 2 supervisors and they told me the funds had been returned as of XX/XX/2019.  QUOTE - The funds have been sent back. after 18 days my payroll department contacted me asking me where are the funds? Navy FCU has a recorded call stating they have sent the funds back. Now my job is on the line because of what Navy FCU told me. I follow NFCU instructions and now my job is on the line.
Product: Debt collection

I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it grant you an inherent right to make such determinations.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation.
Product: Debt collection

On XX/XX/XXXX I noticed two collections accounts on my XXXX XXXX that had been placed both for the same date with two different amounts being owed for an XXXX XXXX visit. it shows that I owe a debt of {$180.00} and a debt of {$300.00} both for XX/XX/XXXX to original debtor XXXX XXXX XXXXXXXX XXXX I am a XXXX XXXX XXXXXXXX veteran and that facility is also an in network covered provider of services I never once received a phone call or a bill stating that I had owed any debt at all I only noticed the collection account via my XXXX XXXX app on my phone. This is an illegal attempt to collect a debt that I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX XXXX # XXXX this account is not mine, and XXXX verifies with Experian with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Product: Checking or savings account

Key Bank XXXX XXXX XXXX, XXXX, WA XXXX closed my checking account citing fraud. They reported the closure to XXXX XXXX XXXX  Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I submitted a dispute to XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating the re-investigation confirmed the information on my checking account. I did not commit fraud on my checking account. I do not believe a thorough investigation was performed. There was not any fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter certified that they received on XX/XX/XXXX about the request for a Description of Procedure As per law 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( XXXX ) for reinvestigation Report Number XXXX. The letter that I sent was very clear. I did not ask for a dispute. I did notify them of the law and that they needed to respond within 15 days of the name of the vendor that was used to verify the alleged bankruptcy. I also provided a letter from the courthouse where they claim the bankruptcy came from. The letter stated that they court did not provide for verify this Information with Experian or any other vendor because they do not give information to third parties. Somehow Experian claims that they verified the information with a vendor but will not disclose the vendor, which violates the above law. I also informed Experian in the letter that they were lying in the results of the report number that they provided me and that I was requesting a Description of Procedures. I have not been provided this Information, instead they processed another dispute and said it was certified by a company. Attached is the letter that I sent along with their dispute response. I also sent them a request to delete a old address listed on my consumer report because I have not lived at the address from some time now, but they refuse to remove the address despite me providing a DL with my current address and a utility bill that was given to them. I can not no longer receive mail at this address, and I don't want any identity theft being taken place. I am requesting the address be removed at this time.
Product: Mortgage

Our home loan belonged to XXXX and was sold XXXX bank, who then sold us to Deutsche bank out of La. We have been trying to do a loan modification for the last 5 years. They have lost our paperwork and or did n't send in the right stuff when it was all listed what they need. So I want to file a complaint on them to see they are wrongfully foreclosing on us. The foreclosure sale date is supposed to XXXX XXXX 2016. So I need to get this expedited if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN had made a hard inquiry on my credit report, send a dispute letter to immediately removed this inquiry from my credit report through XXXX. I haven`t sign any documentation that proves that I have any connection with them. They refuse to do so, impacting my credit report seriously bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER applied for a self account. The company and asked them for a letter to remove this account and they stated they could not. It was never paid because I had no knowledge of this account. The account was requested to be removed was not removed. I need the Self Lender account removed because it is not my account and I have never applied for a self lender account. It is reflected late payments and is hurting my credit report m. I have other accounts that reflect perfectly fine. This needs to be removed ASAP. Thanks
Product: Credit card or prepaid card

I submitted a complaint ( XX/XX/2019 ) against Citi for opening an account when they disallowed my acceptance. Feedback from Citi ( XX/XX/2019 ) accepted my terms to close the account. I received a letter from Citi, explaining the account has been closed ( XX/XX/2019 ). I received a statement a month later ( due date XX/XX/2019 ). Allowed this statement, giving the company time to get their records in order. However, I just recently received another statement, due date ( XX/XX/2019 ). Citi did not abide by the agreement. The account is still open.