23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018 Navient processed my forbearance only until XX/XX/18. At the time I filed for forbearance I was told to send in tax documentation in XX/XX/XXXX because it'll take up to 30 days to process. Once I sent that in they removed me from forbearance and my payment was due. Now I'm being penalized! I only did what I was told. I have called them 3 times including the call I'm on now and they keep telling me it'll be reviewed but so far nothing is being done. This is one of the reason why I just disregarded them altogether initially. It's a damned if you do, damned if you don't situation and I see why they're facing lawsuits. I just want my account processed correctly and in a way that benefits me and not hinders me any further. They get in their feelings when I start using profanity but also say they understand : OBVIOUSLY THE XXXX NOT! I just want accurate information and procedure information because they're stressing me out!
Product: Student loan

On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by XXXX/XXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Report Number XXXX and Report Number XXXX from Experian I was also a member in the data breach with experian where my private information was exposed which allowed hacker to my private information in which I have been a victim of Identity theft.
Product: Credit card or prepaid card

The credit card Citicard ( Costco ) company reduced my credit limit twice. The first time was in XX/XX/XXXX. The second time was on XX/XX/XXXX on the exact same day that I used the card to make a purchase. They allowed the charge to go through and then lowered my credit limit so now my balance is over the credit limit and my minimum payment due is very high. 

My original credit limit was {$11000.00}, which was then reduced to {$6600.00} in XX/XX/XXXX with a vague letter saying that my payments were low with them. 

My credit limit was further reduced on XX/XX/XXXX to {$4900.00} on the same day that I purchased a computer. As I said above they did allow the charge for the computer to go through and then immediately after that on the same day lowered my credit for the second time. Since they allowed the charge my balance is now over the limit which affects my credit and other credit cards. 

This is a terrible thing to do during a pandemic. I have never missed a payment with this credit card.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit card

I owed the XXXX ( XXXX XXXX, XXXX, MA ) a balance from what the insurance did not cover. I wanted to set up a payment plan with them I was told they could not do that, but they could set me up with credit from a bank for the balance. I was told the interest rate would be no higher than 14 %. {$1000.00} was put on the card when I got the bill the interest rate was 26.99 %. I called the provider Synchrony Financial to see if I could get the Interest rate lowered and was told no. I never would have agreed to this if I knew what the true interest rate was going to be. I feel I was deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, experian consistently Responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting Act ( FCRA ) ,15 U.S.C & 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Are violating the fair credit reporting act on the fair debt collection practices they are sending my personal information to an address in Florida that I have never lived at in my life on this information they listed my XXXX Social Security number my XXXX cell phone number my XXXX date of birth the fact of the XXXX matter is they also disclosed what they claim I owe them as debt to someone I dont live with or know The collection company they used was called ERC, ERC is Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I prove that they try to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I proved it they tried to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX  XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Them for violations because of multiple collections they were involved on for fraudulent collection before they return want to put false information on my credit report and want to send personal information to an address in Florida I have never lived that in my life as well as violations even further by giving my personal XXXX information to the people at that address as well as disclosing supposed debt which is another violation, these XXXX XXXX at XXXX XXXX  and ERC are now going to get XXXX sued for sending my personal XXXX information to a place Ive never XXXX lived at in my life, that as well as disclosing supposed debt which is another violation I will be contacting an attorney and you can XXXX my XXXX XXXX you XXXX XXXX you XXXX XXXXXXXX XXXX  XXXX give my personal information somewhere Ive never XXXX lived you XXXX Im telling you right now if anyone at that address tries using my information not only am I gon na XXXX sue you I will XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  and Ill XXXX  for XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as XXXX & Equifax with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong people.

If after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re-investigation. 

XXXXEquifax Inaccurate address/Account status Account # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act amex  account number XXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Mortgage

I called Ocwen today to ask them for a HAMP modification. I spoke to XXXX, agent ID # XXXX who told me that I did not qualify because of the delinquency. I disagreed with him because according to the government guidelines, the unpaid balance has to be less than {$720000.00}, the loan has to have originated before XXXX 2009, the property has to have not been condemned, it has to be my primary residence - at risk, and imminent default, have experienced a financial hardship and be able to show a pay stub and tax return, and not convicted of a felony within the last 10yrs. I stated that I meet all of the criteria specified by the government but was still told I do n't qualify because of the delinquency. I stated that my delinquency is still less than {$720000.00}. I was told that I still did not qualify and that the modifications are account specific and that I should not get my hopes up. I requested a modification package and was refused and was told that I had to pay my loan in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account NumberXXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

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

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 information is inaccurate.
Product: Debt collection

A collection was opened XXXX XXXX 2016 by XXXX XXXX Clinic given to me in State collections for my credit report. This account is wrong. I had medical insurance at the time and still have medical insurance. I am a XXXX XXXX who barely makes enough to feed myself. I have explained time and time again. I can not pay this and this is affecting me every turn I make.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation.

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX
Product: Credit card

Wells Fargo Credit Card : This is a Request for Documentation of Legal or Equitable Chose in Action. Please forward to the legal counsel of Wells Fargo. A response is expected with 14 days.

Please see attached. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i has 1 late payment on an account that i was never late for. The 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 the the account that i have included photo inside the complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these late payments be updated to as agreed on time as they should be due to the fact i was never late. Thanks please see picture attached
Product: Credit card

I tried to send flowers to my girlfriend in the XXXX for her birthday and the payment failed. I verified the payment on the USAA website and the payment still failed. I called some XXXX with USAA and she started talking about other payments. Why do I care about other payments. I want to know why I continuously have problems making payments when I follow their procedures. If your procedures don't work fix them. I look like a total XXXX to people in the XXXX. I guess this is my fault by using a bank run by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Bank account or service

I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX