23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the early XXXX my husband and I consolidated our student loans. We had been married For approximately seven years and we're starting a family. And work told it was in our best interest to consolidate. The remaining parts of our student loans, which we have been paying on. Since the early XXXX. We had only had the XXXX when there have been job layoffs or one income. At the time it was Sallie Mae which turn to navient. In XXXX  My husband was involved in a car accident which left him XXXX XXXX  XXXX. Once The courts deemed my husband XXXX  XXXX our student loans, which had been one for nearly 10 years consolidated were considered with official legal paperwork to be 100 % XXXX balance. For 7 years, we heard nothing. And had the official paperwork that showed both from navient and from the courts that there was a XXXX  balance. 7 years later navient came after me under my maiden name. And told me that I owed double because of Interest the amount that was left on the consolidation. They took a federal student loan turned it into a private loan without my consent put my name on it. XXXX interest and sent it to me. I offered to pay the portion of what I actually owns. They hadn't contact me in 7 years and denied me. My husband and I are working with a XXXX XXXX XXXX XXXX. And since it is a private loan. It can not be turned into New York State education. Navient has acknowledged that. It is a private loan on record. And yet they have now turned it over to New York State education threatening me. XXXX  interest rate on a loan that I don't owe. Which is double what was actually initially owed which was the remainder of a loan that I had paid down significantly with my husband. We absolutely can not find anyone to help us. Navient continues to move my name around without my consent. They refuse to acknowledge that it is paid in full. They change it from a private loan to a school loan back to a private loan to a school loan which is illegal and without consent. This is completely illegal. Is there anyone who can help us? And allow us to be part of any sort of class action or lawsuit.. Navient refuses to stop cooperate. They will not even discuss this with the XXXX XXXX XXXX XXXX company that they are legally obligated to speak to because they have turned it into a private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX is reporting a late payment on my credit report from XXXX/2020 this is in accurate information and violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX 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: Debt collection

This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them. My child was insured at the time of the bill. They are violating my rights and I am entitled to {$1000.00} for every violation I listed. They either pay the violation fee or delete this account which is not accurate.
Product: Debt collection

OnXX/XX/XXXX, I received a phone call from a man saying his name was XXXX XXXX from Nations Recovery Center. He said there was a judgment against me, and to contact him to set up payments. He tried to say that this was not the first time that he had contacted me, but i have received no letters, no voicemails, and there are no judgments against me showing on my credit report. As far as I know, there was no attempt ever made to contact me about money owed. He said that they were trying to resolve this as privately as possible, but if i didn'r respond, then it would complicate things. To me, this sounds like a threat to release my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and equifax Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX  till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my credit report that I did not authorize nor had any prior knowledge of their existence. Please see below Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : Transunion Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is suppose to update on the XXXXXXXX XXXX XXXX XXXX says Experian and still showing XXXX XXXX owed on my report. It is paid off XXXX balance I need this updated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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: Checking or savings account

In XXXX during a pandemic when I was struggling with money. I was charged 63 times for overdraft fees. By Chase Bank. The fee for over driving is {$35.00}. I paid over {$2200.00} in overdraft fees. When I found out they would reimburse you for your overdraft. But they would only reimburse up to 6 overdraft fees out at a time. After doing that a couple times. They won't let any overdraft my card anymore and they won't tell me a reason to why. Plus I've been a customer with them for 5 plus years I've overdrafted plenty of times and always paid the fee. This past Friday I was short {$100.00} on my car payment. Which I need to pay to keep my car so I can get back and forth to work. They wouldn't let me overdraft my card to pay my car payment. When I went to talk with the banker and showed him everything that was going on he told me there was nothing he could do for me. That it was Chase itself that was not lending me the to overdraft my account. I ended up having to pawn my TV and XXXX to pay my car payments. And my TV and XXXX are still at the pawn shop.
Product: Credit card or prepaid card

In XX/XX/2019 Ive managed to purchase a XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD  card properly. Ive vocalized this issue to XXXX XXXX XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX XXXX XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX XXXX XXXX  and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. 

Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.
Product: Credit reporting or other personal consumer reports

I would like to follow up to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to correct the late open accounts from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. I submitted a request to your institution to address the inaccuracies in my credit report. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the correction of these accounts and prevent similar errors in the future without delayed. Please help me correct these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$6400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX : {$6200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX : {$2500.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX : {$2600.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX : {$6200.00} The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX : {$2200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Debt collection

this complaint is being done on National Credit Adjusters and their illegal tactics to report incosistent and inaccurate information after they verified all reported information as accurate with XXXX  and XXXX. 

XX/XX/XXXX I sent this collection agency a letter asking for verifiable proof on this alleged debt. 

XX/XX/XXXX this agency sent me a correspondence letter along with bills statements claiming that what they provided was proof that they are legally able to collect on this debt. took more than 30 days to recieve this letter. 

fast forward to the present days. XX/XX/XXXX I challenged this account with all 3 bureaus regarding inaccuracies. 

XX/XX/XXXX XXXX  results read the furnisher has verified the reported information as accurate. XX/XX/XXXX XXXX  results read this account was verified as accurate. I have yet to hear from XXXX. 

XX/XX/XXXX I decided to pull my actual credit reports AND a trimerge report from XXXX and noticed that all 3 bureaus are reporting 3 different running of reporting time frames. how is that possible when the furnisher has recently verified and reported that all reported information was accurate? XX/XX/XXXX National credit adjusters recently reported to all 3 bureaus XXXX XXXX and XXXX. 

my XX/XX/XXXX reports read XXXX the estimated month and year this item will be removed is XX/XX/XXXX. 
XXXX  On Record Until XX/XX/XXXX. 
XXXX Date of XXXX deliquency is XX/XX/XXXX putting the removal date to be XX/XX/XXXX. 

this is proof in black and white that this blatant and illegal inaccuracy proves that this furnisher is conducting illegal practices by lying to the consumer reporting agencies that all reported information was accurate. if this furnisher can not even verify/identify the correct running of reporting obsolete time then this is clear indication that this furnisher DOES NOT have all proper documentation to legally collect on this debt no longer. this item is also time barred. national credit adjusters are not complying under the FDCPA and they must be held liable for their illegal practices. I have already placed a complaint on the 3 consumer reporting agencies regarding this item.
Product: Checking or savings account

I opened an amex acct 2 cash my stimulus check. And now they r keeping my money hostage. Hissing about notary meanwhile b4 i opened acct on fone no such issue was stipulated it was ONLY ... .AFTER THEY HAVE MY MONEY IT BECOMES a self serving interest issue obviously 2keep my money. Lady in back office told me savings accts r 4saving and they consider it a abberant i want 2transfer my money2orher vetted linked accts in my name. They even make sure 2NOT PURPOSEFULLY GIVE u a debit card 4higher and extreme difficulties2access ur money
Product: Credit card or prepaid card

In XXXX I had a financial hardship that led me to fall behind on my credit cards. In XX/XX/XXXX I called my creditors to set up payment arrangements to start getting my balances taken care of. Bank of America was one of them. When I called they stated that my account was still open. I asked if they could stop or lower my interest rate to help pay my account off and they declined. Not only did they declined but said they do not offer any programs to help get me out of debt. They said could set me up on an arrangement to take {$130.00} for six auto payments out of my account and they would then report my card as no longer past due as a courtesy after the 6th payment. I agreed to make the high monthly payments because I was told my account was still open and I wanted to rebuild my credit. 

Today, XX/XX/XXXX, I called in to Bank of America to follow up on my arrangement and I was informed that my card was closed and has been closed since XXXX, XXXX XXXX. I feel that the representative at Bank of America was deceptive when I initially called XX/XX/XXXX to make an arrangement. Now, I feel that if the representative lied about my account not being open, did they also lie about repayment programs? Is Bank of America just trying to keep people in debt? 

I've been a good customer of Bank of America since XXXX and I always used credit cards responsibly and paid my balances due on time until last year when I had a hardship. I would of thought they would have more consideration towards their loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2022 Experian Credit reporting is showing fraudulent information about back owed child support. I have contacted the State of South Dakota, Wyoming, and Texas and all states show my child support as being paid in full and no delinquent payments are outstanding, nor did late payments take place as Experian is showing. When contacted I was notified that due to how Experian calculated their entries the delinquency will not be removed. This is slander and fraud. Their Fraudulent entries have affected my life due to a negative mark on my credit report. State representative from the South Dakota XXXX XXXX XXXX XXXX XXXX has also verified with me via the phone that she has full knowledge that Experian is falsely displaying delinquencies for individuals even with their records showing different.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C. XXXX and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked. 

XXXX XXXX XXXX  XX/XX/2025 As required by XXXX U.S.C XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenienca an XXXX financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it. 
XXXX I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX Trans Union I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXX XXXX XXXX I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my Equifax credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 USC 1681A ( 2 ) and 15 USC 1681i. These sections of the FCRA protect consumers ' rights to accurate credit reporting and impose obligations on credit reporting agencies to ensure the precision of the information they report.

According to Section 15 USC 1681A ( 2 ) of the FCRA, it is incumbent upon credit reporting agencies to maintain accurate consumer credit information. Furthermore, Section 15 USC 1681i mandates that credit reporting agencies conduct a reasonable investigation into disputed information and promptly correct any inaccuracies. 

Upon reviewing my credit report, I discovered several inaccuracies regarding reported late payments. These inaccuracies not only misrepresent my credit history but also violate my rights as a consumer under the FCRA. 

In addition, in accordance with the FCRA these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
The following late payments are erroneously listed on my credit report : [ XXXX and XXXX  XXXX ] - [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] [ XXXX XXXX XXXX and XXXX  XXXX ] - [ XX/XX/XXXX and XX/XX/XXXX ] [ XXXX XXXX, XXXX and XXXX XXXX ] - [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I assert that these late payments are inaccurate and unjustified. It is illegal to report any late payments to my consumer report! 

In accordance with Section 15 USC 1681i, transactions should not be included on a consumer report, and I hereby request that you conduct a thorough investigation into these inaccuracies. I expect that you will promptly remove the erroneous late payments from my credit report and provide me with a corrected copy, free of charge. 

Failure to comply with these provisions will leave me with no choice but to pursue further remedies available under the FCRA, including legal action. 

Please acknowledge receipt of this dispute letter and provide information on the steps you are taking to address my concerns. I can be reached at the contact information provided above. 

Thank you for your immediate attention to this matter.
Product: Credit reporting

Experian is allowing numerous accounts to remain on my credit report some well past the date they should have dropped off.
Product: Mortgage

I requested forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX to Gregory Funding. At the time my loan was transferred to Gregory Funding, it should have still been in forbearance. I applied for a modification with them, but I have not gotten an approval as yet, so therefore my loan should have remained in forbearance. 

However, on XX/XX/XXXX I got a notice that I'm in Loss Mitigation, which is incorrect. It said that I was more ten 4 months behind. I can not be in forbearance and loss mitigation at the same time. I should not be in Loss Mitigation because my loan should still be in forbearance until I reach a loss mitigation agreement with your company. I spoke to a manager XXXX today XX/XX/XXXX who advised of my monthly payment due in the amount of {$940.00} -- he also said my loan was out of forbearance for which I have received no written notice. The person working on my account is XXXX XXXX who I have not been in contact with. Per my conversation with XXXX, I intend to make that payment immediately. Therefore, I need Gregory XXXX to present a Loan Modification agreement which takes me out of forbearance. 

In addition, I need my account updated to show that none of my payments should be listed as late as I should still be in forbearance. 

It is very difficult to get someone to speak to at this company. There is a lot of conflicting information given and other times a complete lack of communication. If I do get a chance to speak with someone at this company they give me misinformation. I need these discrepancies rectified. 

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

They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified
Product: Debt collection

The company, Asset Care has illegally reported and demand debt collection for different amounts of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020.
Product: Debt collection

Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.