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

XXXX  ; XXXX  and Transunion should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus  Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and  these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I had to resign from a very stressful job XXXX XXXX as a XXXX XXXX XXXX woman due to the health issues it was causing me : I had XXXX twice in a 6 month period and was XXXX. Acording to my doctor, I 'm XXXX because of the XXXX and a XXXX that has been plagued with injuries. I was on a low repayment with 1 % interest on private student loans from Navient, but that plan ended 7 months after my resignation. Despite the fact I am XXXX, I am making less than half ( if I am lucky ) than the year before, XXXX pay for health insurance and my expensive perscriptions losing money on the property I was renting and still trying to keep up on other monthly bills all while living with my parents again. I got behind in my payments with Navient, especially since they were expecting almost twice as much money from me. They call me sometimes seven times a day on auto dial- and when I can answer it 's just a pre-recorded machine telling me to call them back later. Well, I have a XXXX and legitimately forget to call them back. They also had the wrong address on file for me. I was finally able to make a payment, and the very next day they started auto dialing me again!!! I feel like that is harassment. I also spoke to someone on the phone the day when I made the payment, she said she would be my account manager and would talk to me next month about other options, such as lowering the total amount I owe by a certain percentage, but today when I spoke to a supervisor, I was told that is not possible because my loans are private, not federal. I want the constant harassing phone calls to stop! I ca n't pay you another payment when a day has n't even passed for me to receive a paycheck! I ca n't answer my phone when I have XXXX children sitting in the room with me learning about the world. This company is so irritating, especially when they are dealing with people paying off loans for education, not clothes or cars, but schooling for people to advance their careers and lives.
Product: Credit reporting

Unable to obtain my report via official XXXX website ( paid ) or annual credit report. This happened before and Equifax just sent me a paper copy. I want access to this online.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, XXXX, Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Student loan

I filed a complaint already back in XXXX saying that Sallie Mae would not work with me about lowering my monthly payment. They called me during work and when I was off work they were gone for the day. And they said they would send me a letter and I never got one. They closed my case saying that it was resolved when it was not. My loan monthly payment is more than I can afford. I have to get health care and dental care and I wont be able to afford it as my payments continue to sky rocket! I now have to choose between food or gas. Because I have to save up money for my loans I have XXXX dollars to my name to last me for two weeks until I get paid and I have to save that pay check to pay for Sallie Mae and other bills
Product: Student loan

My sophomore year of XXXX, I received a private loan from Navient then known as XXXX. The loan was for XXXX. It is now worth over 43,000. When the recession occurred I was unable to go back to school. I was out of school for almost two and a half years. The second year I was out of school I received a call detailing my delinquency. I was young and naive but I grew up that moment. I had no clue that XXXX had been trying to collect payments. They never called and sent one mail that I received before they sent me to collections. I called and they agreed to put me on forebarence because I was ineligible for income-driven repayment though I was making minimum wage in XXXX which was XXXX. I began paying them monthly around 250.00, with escalating cost each month and no decreasing balance. In XXXX I received an email from my school offering an opportunity to go back to school. I immediately accepted and returned in XXXX XXXX making a payment for XXXX because XXXX said I was n't eligible to receive deferment for XXXX. I graduated on XX/XX/XXXX.I started a job in XXXX XXXX and began repaying them before I was accepted into a XXXX program at XXXX university XXXX I then entered in school deferment because I was n't working full time with the company that provided enough income to substain the payments but I was working two jobs. In XXXX XXXX I was accepted into the XXXX school of XXXX, of which I still attend. I have no income except for my federal refund that goes toward living expenses such as rent and food. I was contacted by Navient and told I would have to pay them. They offered no resolution saying that I have no other options and that they would send me to collections again. I am currently being educated for a field in which repaying them would be a foregone conclusion yet I 'm restricted because of inadequate private loan laws and unreasonable contracts companies like Navient offer low-income students because we have no other source of income.
Product: Credit card or prepaid card

I have been attempting to get my statement from Comenity/XXXX  since XXXX. I have not had a statement since XXXX and I have reached out to them several times and have gotten nowhere.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry notification on my XXXX XXXX account ( XXXX? ). I additionally received an email from Chase thanking me for applying for a Chase credit card. I did not apply for a Chase credit card. My name was spelled incorrectly in the email as well ( XXXX ). I believe someone is trying to commit identity fraud. When I attempted to call Chase, I was unable to speak to anyone because it kept asking me to input my account or card number. I do not have either because I am not affiliated with Chase.
Product: Credit card or prepaid card

Charges on my Citibank credit card in the amount of XXXX which were posted on XX/XX/2022. 
I reported the charges as fraudulent within XXXX hrs and was given a case number. 

I received letter notification on XX/XX/2022 that disputed transaction was at a chip enabled reader and therefore not considered fraudulent since the card was in my possession at all times. 
The transaction occurred in a different state and after my own investigation the company in question is an apartment building and not a brick and mortar store. 
In addition I have never used this card for purchases as it was obtained for a XXXX transfer. 
Included below is the picture of address of the supposed business the card was used. 

I need help getting this removed.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chime regarding a transaction I wanted to dispute. The transaction was made on XX/XX/2023 for {$1100.00}. The purchase was made for concert tickets that didnt happen until XXXX. An incident happened at the concert before it even started that involved someone pushing me down stairs, where I had to go to the hospital for a head injury and the police arrested the person who pushed me down the stairs. A report was filed and the police were involved as well. We were unable to attend the concert because of this. I contacted the merchant and the merchant said Id have to contact my bank or the organizers team of the event for a refund. I have not been able to find contact information for XXXX XXXX team. I then contacted Chime who refused to dispute the transaction. They said they didnt have the authority for this type of dispute. Chime refused to file the dispute and refused to investigate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2018, XXXX made an unauthorized hard credit pull on my Equifax credit report.

Contact information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone ( XXXX ) XXXX.

I do not have an account with XXXX and I did not attempt to open one.

I filed a dispute with Equifax and notified XXXX directly and no one has corrected this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting XXXX XXXX, XXXX, and Equifax have 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data is inaccurate.
Product: Student loan

Earlier today ( Wednesday, XX/XX/2020 ), the cosigner of this loan received a phone call from the loan servicer ( AES ) indicating that my payment was overdue. When the cosigner notified me of this, I was surprised because for several years my due dates have been the XXXX of each month, and I had made a timely payment of the balance due at the end of XXXX. I logged into my account and discovered that my due date had been changed to the XXXX of the month. I searched through my email account and could not find any emails notifying me of this change, even though AES usually communicates with me by email. 

I called AES and the representative confirmed that AES had in fact changed my due date. The representative searched through AES 's communication system and confirmed that they had not sent me an email regarding this change. The representative told me that all I can do is pay the balance now ; the due-date change can not be undone. Further, he suggested that I should log into my account frequently to see if my due date changes again. After the call, I logged back into my account and paid the so-called " overdue '' balance in full. 

I am reporting this situation because I believe AES has behaved wrongfully in two respects. First, it is inappropriate for a servicer to suddenly make a monthly loan payment due only two weeks after the last payment had been paid on time. Second, no change in payment date should occur without proper communication to the loan customer ; it is absurd to expect people to frequently check for changes in their accounts when they have signed up for email notifications.
Product: Debt collection

Medical Debt provided on my credit report is accruing interest, provided by Capital Accounts XXXX is a collection/chargeoff that was reported XX/XX/XXXX. In XX/XX/XXXX the reported balance was {$650.00} and now XX/XX/XXXX the balance is {$720.00} in XX/XX/XXXX. No original contract has been provided to me proving that this debt is mine and stating that this collection can add interest or fees if it is mine. I asked for debt verification multiple times and never received how they verified the debt is mine at all or a contract with my signature proving I owe this debt. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report I seen inquiries 2 inquiries which are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had spoken to all parties and was referred to talk to Equifax about the matter. When I spoke to Equifax. I was told to write an FTC report and CFPB report and once they get it, they will remove these inquiries from my credit report. I hope you could resolve this matter with Equifax and appreciate anything that can be done. 

Thank you for your time.
Product: Credit card or prepaid card

I live in Alaska and I have an XXXX Bank of America credit card I received a notice from Bank of America telling me I must come to one of their locations and provide them physically with a copy of one of my Photo IDs. when I contacted Bank of America they told me they have no branches in Alaska and I would have to buy my own airplane ticket and fly to XXXX to go to a bank branch and show them an ID they said they have no recourse for this and I must do it or they will close my account and make me pay my balance in full. any help that could be given as to some type of resolution would be appreciated
Product: Debt collection

Debt not validated and as such should be deleted XXXX XXXX XXXX  Original creditor : XXXX BANK Balance {$5400.00} Balance updated XX/XX/2022 Original balance {$5400.00} Wrong dates and as such should be deleted off my report
Product: Mortgage

On XX/XX/2020 I started the pre approval process on a Mortgage loan with a company called Success Mortgage Partners Inc. based in XXXX, Florida. They came recommended by the Realty agent I've been working with. 
On XX/XX/2020 I was pre-approved for a Mortgage loan up to {$270000.00} and so I then proceeded to find a property that suited the needs of me and my family. Me and my wife are currently XXXX  our XXXX  child XXXX  in XXXX and we have XXXX XXXX year old boy as well. 
Naturally, we needed more space and thus had the need to acquire a property ( We currently rent ). We eventually found the right house for us under our budget at {$240000.00} and put in an offer which was countered and we accepted. After that, I continued the loan process with " Success Mortgage Partners '' providing documents, Signing the contract at a specific interest rate Paying the Escrow deposit to the title company, Having the house inspected etc. Everything seemed to be going well. When we got to the final stage of said process which is Underwriting, there were certain conditions that needed to be met which meant submitting additional documents which we were glad to provide. On XX/XX/XXXX, we were notified by phone call and email that all conditions were met and we were clear to close on the property. Me and my couldn't have been more excited being first time home owners and all. Our closing date had been scheduled ultimately for XX/XX/XXXX but we were trying for an early closing taking into consideration all that has been going on in the world so we were notified on the XXXX that we would be closing on Tuesday XX/XX/2020. Today XX/XX/XXXX, I received a phone call early morning from our lender at Success Mortgage that we were not going to be able to close and that the company had decided to pull the loan with no clear reason other than that the market had changed over the weekend and they were not able to sustain the loan. I find this completely unethical, unprofessional and unjust from their part. Even if I as a buyer were the one to pull out of the deal, there would've been repercussions and penalties I'm sure so I'm hoping there are some as well in place for them in order to protect people like me as a consumer. I am left in a complete state of uncertainty with my XXXX year old, and XXXX wife and possibly no place to live in a few weeks since i gave my landlord my final noticed the day I got my closing notice. 
Is there anything that can be done regarding this injustice?
Product: Credit reporting or other personal consumer reports

DOGE and XXXX XXXX illegally gained access to my personal and financial data which violates FERPA. I strongly believe that they are using our data for non-transparent reasons, and to possibly profit or benefit from it. DOGE needs to be held accountable for their illegal access of my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have 8 late payments on an account that I was never late for. Furthermore, I inquired about the process of reporting with Capital One and was assured I had no late payments in the last twelve months by a representative who go by the name of XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : Quicksilver One. I have the last four of the Card in reference : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was never late according to representative XXXX. Thanks,
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 166b : 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: Student loan

In XXXX we fell on financial hard times and my Sallie Mae student loan went into default. In XXXX the loan was put into rehabilitation with XXXX Limited, successfully rehabbed and then sold to XXXX XXXX. All payments to XXXX were paid timely with no late payments as my bank account was debited automatically ever month. I was told that once the rehab was completed, all negative reporting would be removed from the credit bureaus. This did not happen. Despite the loan being successfully rehabbed, Sallie Mae is reporting the loan is being paid by insurance. The loan should carry the notation of " sold to another lender '' and per my agreement regarding the rehabilitation of the loan all negative reporting should be deleted from the bureaus. XXXX XXXX is reporting correctly with XXXX late payments. Despites filing disputes, Sallie Mae has not corrected their reporting.
Product: Credit reporting or other personal consumer reports

account due to fraud XXXX bank XXXX XXXX XXXXXXXX XXXX XXXX all reports have been sent over