23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX is saying I owe {$2300.00} when i already paid off my medical debt. I looked online and apparently they're known to send out fake debt collection letters and action has been taken against them. I want them to stop their harassment
Product: Student loan

I recently consolidated my student loans and applied for the XXXX plan which was granted. My monthly payment should be {$0.00} based upon my income and number of dependents. However, I received a bill from my servicer, Aidvantage, stating that I have a bill of {$320.00} due on XX/XX/XXXX. 

When I log into the servicer website, it shows that my account is currently in forbearance with a {$0.00} payment amount which I assume is the forbearance payment amount ( I don't know why I'm in forbearance but it says it ends XX/XX/XXXX ). 

I spoke to Aidvantage customer service via their chat functionality and asked that they recalculate my XXXX payment because I believe they miscalculated. The rep all but refused to do so, instead questioning why I thought it was incorrect. She then told me that the payment is calculated for {$0.00} and that my account is in forbearance to allow for the more recent provisions of XXXX to be implemented. 

However, my forbearance ends XX/XX/XXXX. The representative said the process of updating accounts ( the very reason she cites for the forbearance existing ) won't complete until XXXX. So it makes no sense that my account would be placed in forbearance for less time than it will take to complete the process that precipitated the forbearance. 

The representative insists that my XXXX payment will be {$0.00}. But the bill that is still active on my account shows {$320.00}. So I'm suspicious of the information she provided me and I got the impression that she was basically just blowing me off. I don't believe what she told me is accurate ( she repeatedly just copy/pasted info from the StudentAid.gov website about the payment recount ). 

Seeking official clarification / confirmation, I emailed Aidvantage through their website contact form ( a method of contact that I have little faith in given my past experience with student loan servicers ). 

I also directly emailed several contacts at Aidvantage. As an aside, it's quite clear that Aidvantage is purposefully trying to hide contact email addresses and prevent borrowers from easy and direct communication with their customer service reps. Despite this, I was able to identify several email addresses for customer service and some of their executives ( specifically, I emailed XXXX, XXXX, XXXX, XXXX, and XXXX ). I explained all of the above and requested that someone recalculate my payment correctly ( and/or forward my message to any executive customer service team that they may have ). Several days have now passed and I've received no response to any of my communications- neither the message sent via their online form nor the emails I sent to the above contacts. 

Aidvantage is miscalculating my XXXX plan payment, a common issue it seems if the number of complaints online is any indication ( it makes one suspicious that this may be intentional ). When I attempt to address the issue my concerns are dismissed or outright ignored.
Product: Mortgage

I bought a home XXXX took out a mortgage and later filed bankruptcy. This mortgage was included in bankruptcy and the debt was discharged. The servicing rights to this mortgage were bought by CitiMortgage while still in bankruptcy and before the debt was discharged. After the debt was discharged, Citi was asked to reafrim but they refused. They continued to reporting this discharged debt to XXXX XXXX ( still do ) as current " paid as agreed. '' Now I receive notice that my mortgage is delinquent and Citi will not remove PMI until the late charges assessed post discharge are paid in full. 
The issues are if the mortgage debt was discharged in Chapter XXXX bankruptcy and payments are now voluntary how could the mortgage have ever be late. Second, since Citi continues to report the debt " paid as agreed '' to the Credit Bureaus, why are they telling me my voluntary payments are past due? Third, why are they charging late fees on discharged debt and are threatening to keep charging PMI until I pay late charges since payments are current? 
Citi would not enter into a reaffirmation, the debt was discharged, payments are voluntary and Citi said at the time of discharge if payments are not made they could still foreclose not that they would charge late fees. 
I have been unemployed since XX/XX/XXXX and have exhausted my retirement savings to avoid foreclosure while trying to find work - Citi has n't offed a bit of help! Just more and more grief ... Can the CFPB offer any suggestions?
Product: Credit reporting or other personal consumer reports

i sent usps certified mail letters on XXXX, to XXXX, XXXX, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

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

According to my most recent credit reports, Navient has reported  XXXX  student loan s (   XXXX  federal,  XXXX  private ) as receiving late payments. This is inaccurate.   According to my reports from all three credit reporting agencies, I had  XXXX  payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking me  XXXX  late as of  XXXX  date is less than  XXXX  weeks from my leave from Florida  XXXX  University, and marking me again as 90 days late on  XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left   XXXX   XXXX   XXXX   in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to Navient on   XXXX   XXXX   XXXX    Navient responded that they had investigated and confirmed the accuracy of the report.
Product: Money transfer, virtual currency, or money service

Paypal is not allowing me to transfer money from my own bank account to my paypal account. I had issues with them and XXXX  about it and now they refuse to allow me to transfer money into my account. I've had both my paypal and bank account for around a XXXX, but all of a sudden paypal says they are unable to verify my identity and force me to call them every time I want to transfer funds. The verification questions they ask are also screwed up because they ask what XXXX a specific vehicle I owned was. The problem is, I've owned XXXX vehicles of the same model & year, but different colors. They refuse to accept that, and say that I answer incorrectly and therefore refuse my transfer. They also told me that my transfers may take upto XXXX XXXX XXXX, which is outside of their policy of XXXX XXXX XXXX. This is pure retaliation. They also insist on grilling me about what I am going to spend my money on, which seems like a violation of my personal financial information.
Product: Bank account or service

I have an ongoing claim with Wells Fargo since the end of XXXX. I was told after a week that I would be contacted by Wells Fargo for the next step. 5 business days pass and nothing. I get some calls from some representatives that claims will eventually call me, but still nothing. I contact customer service and after getting jerked around for an hour, they tell me that I have to wait a total of ten business days, not five. 10 business days pass and I still have not received any calls. I would try calling again, but every time I try to call, I can never get anywhere. This is the second time I 've had to file a complaint with consumer finance in order to gain some traction on my claim.
Product: Debt collection

XXXX - Inquiry Date : XX/XX/2022 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing Complaint due to the fact XXXX, XXXX and Experian fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX and EXPERIAN credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I received a phone call from phone number XXXX which I ignored. They left a voicemail stating that their name is XXXX last name unintelligible. Calling in reference to a matter forwarded to her office in consideration to legal action which includes a filing of a lawsuit and complaint with the court and to contact the firm handling the files by calling XXXX reference file number XXXX. Stating that it is a time sensitive matter and will proceed without my consent if I do not call back. They also called one of my siblings stating that same information in regards to this matter against me. I called the number and the person that I spoke to stated that his name is XXXX XXXX and he stated that XXXX XXXX XXXX was suing me for over {$5800.00} for an account that I supposedly had in XXXX and never paid overdraft and other fees. He said that I should have received something in the mail in XX/XX/2022. I then told him that I have never received anything from XXXX XXXX in regards to this matter. He said that he would transfer me to the lawyer 's across the hall handling the case to see if they would drop all charges except what was originally owed to XXXX XXXX. I never spoke with a lawyer but after a brief hold XXXX XXXX came back and said they agreed to drop everything if I paid the original {$1100.00} with either a XXXX or XXXX. I asked him to please send me the documents I was supposed to have received in the mail via email so that I can confirm this was legitimate. He stated that he can only send me the document for me to sign agreeing to pay the second amount. He also assured me that this was a legitimate business by rattling off my full SSN, birthdate, current address, and letting me know that he has a copy of my driver 's license from another state that I lived in a long time ago. I have the document he wanted me to sign to pay the {$1100.00} with another name on the bottom of XXXX XXXX. I did not pay anything and have since done research on the names and other information for this company and nothing is adding up. My sibling and I agreed that it was a scam so now I am reporting it and filing identity theft reports, etc. 
The supposed law firm/company is XXXX with an address of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. An internet search shows that's not a physical office but a virtual office space.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove or correct inaccurate information on a consumers credit report. The FCRA, specifically in 15 U.S.C. 1681i, outlines that when a consumer disputes information, the credit reporting agency must investigate the claim within XXXX  days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly removed, corrected, or updated on the consumers report. 

Furthermore, the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified, the furnisher is responsible for updating it to ensure that the consumers report remains accurate, current, and fair. XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681, the FCRA gives consumers the right to dispute inaccurate or incomplete information on their credit report. If a consumer identifies late payments that are reported inaccurately, they can request an investigation by the credit reporting agency. The FCRA mandates that credit reporting agencies must verify the accuracy of reported information and correct or delete any disputed data that is proven inaccurate, incomplete, or unverifiable within XXXX  days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This act, found under 15 U.S.C. 1692, applies to debt collectors rather than credit reporting agencies, but it is relevant if a debt collector is reporting the late payment information. The FDCPA prohibits debt collectors from reporting false information and requires that any disputed information be reported accurately and updated as necessary. 
XXXX. Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601, the TILA mandates that creditors accurately disclose credit terms, including payment history. This law enforces that creditors report accurate payment information to credit bureaus, including the timing and status of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *The above numbers may differ from actual records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I took a loan for school. After I graduated I was unemployed and went on forbearance. I was unclear what that meant to the loan. I was then advised by lender to consolidate the loan which I did. My loan was then sold to Navient and when I requested to refinance the loan they said I could not. I asked what my old interest rate was and they could not provide it. My loan balance is above {$20000.00} 10+ years out of school and I only borrowed just above that. I am confused, feel I have been mislead, and need some help understanding what happen with the consolidation.
Product: Mortgage

I had an FHA loan with Bank of America ( BANA ), which was paid in full on or around   XXXX   XXXX  , 2012. It has come to my attention tha t BANA  over charged me interest for approximately 20 days. The attached payoff statement confirms that I was in fact assessed interest for the full month of   XXXX   2012, rather than just through the date of payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX   {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a
Product: Credit reporting or other personal consumer reports

I have always maintained very good credit ( I am XXXX XXXX XXXX ), although I do not use a lot of credit. I do not have a credit card in my name as I use a debit card instead. I always monitor my report with a membership to Experian.com. My score has been consistently between XXXX for the past few years. On XX/XX/XXXX without any warning by Experian they removed my credit score due to lack of use and I no longer have any score at all. I have confirmed that they did this. I am now being bombarded with emails from them and others trying to sell me credit cards. I have no derogatory accounts, and I have all of the following monthly payments in my name : XXXX, XXXX, Electric bill, Gas bill, car insurance bill, health insurance bill. However, when I tried to add these to my report on the Experian website, it would not let me with no explanation. I do not have house payment or car payment. However, up until as recently as XX/XX/XXXX I did have a car payment with a perfect payment history. 
I have tried multiple times reaching someone at Experian, but they will not put you through to a representative for this reason and you get disconnected.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part.

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services.

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors.

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,
Product: Checking or savings account

In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. 

The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. 

Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. 

A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. 

This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.
Product: Vehicle loan or lease

Consumer Portfolio Services denied my request for the Service Members Act, saying that I would have needed to apply this XXXX, and since my loan was in XX/XX/XXXX, they said that we don't qualify. However I will be out if country longer than XXXX, and the car isn't going. They want me to continue paying for the interest rates I can not access for XXXX years. I asked for a superior and was told one would wall back in. That was last week still no call. I then contacted a military attorney he said ; ( XXXX ) Sorry to hear. If Consumer Portfolio Services denies your request for SCRA relief based on the timing of the loan, they may be ( XXXX ) misinterpreting the law. The SCRA applies to loans that were entered into before military service, as well as loans that were entered into during ( XXXX ) military service. 

( XXXX ) eligible for SCRA protections. 
In the meantime, you may consider contacting Consumer Portfolio Services again to see if they can offer additional assistance. ( XXXX ) with your car loan. They may be able to work with you to find a more affordable payment plan or explore other options for reducing your interest rate. 

However, the same paperwork was submitted to my second finance company and was approved to start the day im set to be in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several contacts with Experian concerning my credit report update and score. Each time I have to request a new confirmation number. I have been unsuccessful in reaching out to them concerning my credit score over the last week which has not increased since clearance of debt on my account. Apparently it is remains in the lowest 600 or high 500 while the ratings from XXXX and XXXX  are now in the upper 700! I spoke with both XXXX and XXXX to verify after receiving a XXXX score from XXXX XXXX which was a combination of all 3 scores verifies that Experian has not updated my credit score. There are no liens, later payments excessive debt on my account to warrant such a low outlandish score!