23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have twice made large payments. I called and made payments over phone to tell them specifically how to pay the loan once i verified payment amounts. Both times after i paid off loans there was overpayments that were redirected in a way beneficial only to the loan company. First there should have been no overpayment because i called and verified the amount i needed to pay. Second I was not asked how to direct any overpayment. The response from Navient was that there was a way ( well hidden on the website ) where you could select the options for overpayment. The links for this area to select options are impossible to find.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy XXXX XXXX XXXX XXXX / XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX I made a request to withdraw money from my account aXXXX XXXX XXXX to deposit to my Robinhood. Without my knowledge or authorization, Robinhood attempted to withdraw money from my account at XXXX XXXX XXXXXXXX, my bank blocked the transaction. They gave me access to " instant funds '' as they usually do. Then they withdrew money from XXXX  XXXX and I purchased cryptocurrency. They have not accounted for the money that that was correctly withdrawn from my account at XXXX XXXX  ( which I have proof ), and now say that I have an account deficit and owe about {$6500.00}, which is incorrect, and I have transactions to prove it. I have made attempts to resolve this and they have not responded. They then sold my securities without my authorization to cover the cost of the " deficit '' which is still incorrect. They claim that their chat is XXXX, but it is not. I have also waited over a day for a call and no one has responded. I will have to take legal action soon.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXXXXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. XXXX5 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,
Product: Credit reporting, credit repair services, or other personal consumer reports

see CFPB complaint XXXX The account became past due because of the handling of the termination by XXXX to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through Equifax. 

Upon filing a dispute with XXXX to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a 30 days late payment for my M & T Bank mortgage in XX/XX/2021. I made my payment on XX/XX/2021. I was NOT 30 days late. M & T has refused to remove the mark from my credit report stating that they report a month behind. This is not OK. I was not 30 days late making my XX/XX/2021 payment, and my credit report should not say that I was. I attempted to dispute this reporting with all 3 major credit bureaus and was informed that even though I provided the statement showing that I was not 30 days late, they do not actually have an internal team that does investigations. They simply forward it to the company and use the company 's response to the dispute. So since it is the practice of M & T Bank to report a month behind, I have a mark on my credit reports showing that I was 30 days late making my payment for XX/XX/2021 and I was not. This is affecting my ability to get a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to Experian, XXXX, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached
Product: Student loan

I have been trying to get the amount of my income-based repayment plan payment corrected since XX/XX/2019. Last year my husband and I had our student loan payments more than double without any change in our income due to a mistake made by XXXX XXXX XXXX when we requested due date changes on our accounts. Because we could not afford the new payments I put my loans into a forbearance. 

I have applied for the REPAYE income-based repayment plan and this application has been " processing '' for nearly three months now. I make phone call after phone call and no one at XXXX XXXX XXXX seems to have any idea what is the problem. 

When I spoke to a representative from XXXX XXXX months ago I was told that my estimated loan payment will be around {$170.00} per month. It is currently at {$280.00} per month. I have inquired multiple times in order to verify my payment amount with XXXX XXXX and in over two months I have gotten no reply. 

My husband 's situation was corrected after filing a complaint, so I am doing the same so that my situation might also be corrected. 

This message has been showing up when I login to my online account : Income-Driven Repayment ( IDR ) Resubmitted We received your IDR request. 
At this point, we will notify you if your request is put on hold or if any additional documentation is needed. 
At this point, we will notify you of the outcome of your IDR request. 
We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment. 

I still have not received any correspondence/email from XXXX XXXX.
Product: Debt collection

EOS CCA ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is trying to collect {$220.00} from XXXX. 

History with XXXX XXXX I cancelled service with XXXX XXXX in XXXX of 2018. I used their prepaid label to mail back the modem. I confirmed my account was closed and had no further payments. I received a disconnection confirmation number. I never received another bill from XXXX XXXX. 2 years later, I received creditor letters saying I owe {$220.00} to XXXX XXXX. The mail is coming from EOS CCA. XXXX has confirmed with me multiple times that I do not owe anything. I have recorded conversations and emails. EOS CCA is a fraudulent debt collector.
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

2. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( XXXX, XXXX, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

3. **Account Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

4. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account. 

5. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account.

6. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus.

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the fraudulent account and inquiries listed below be blocked and permanently removed from my credit report.

Fraudulent Account XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$28000.00} Unauthorized Inquiries XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my wellbeing, causing considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I have been a target of identity theft.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is constantly saying that I need to verify my address. 
I have already verified it twice. I am trying to dispute items on my credit report, both by mail and on the phone, and I believe they are deliberately making it difficult for me. 
They also would not allow me to use item numbers to verify my claims, and made me dig up the report number of my credit report just to proceed on the phone. It is not a matter of security when I have to verify my address by mail over and over. 
I mailed a dispute letter certified, and it was delivered on XX/XX/XXXX, yet they claim they have not received it. I can prove it. 
I believe they are trying to stall me and waste even more of my time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted Experian about my credit report having the wrong city on my address. I explained to the Experian Representative that if you XXXX XXXX it is clearly XXXX XXXX, Arizona. He did so and sent me a link so I could send a copy of my drivers license to him, which I did. My correct address was on the license. He made the change and I was sent the results of my dispute showing my address correctly showed up on the report. 
On XX/XX/year>, I pulled another report and again my address city was listed as XXXX XXXX instead of XXXX XXXX. I put in another dispute on report # XXXX. Days later I received a notice that my dispute has been investigated and they showed that they changed XXXX XXXX to XXXX XXXX. They told me to contact the creditor who is reporting this error but refused to specify who that was. 
Today, XX/XX/year>, I went to XXXX XXXX to try to buy a refrigerator and I had to call their credit department for a credit line increase to get the refrigerator. The representative asked me if I have any type of a fraud alert on my credit report because Experian would not release my report to them for some reason. 
I dont know if the incorrect address has anything to with this or me canceling my credit monitoring. They have been sending texts and emails wanting me to restart that subscription and I refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, XXXX XXXX Equifax and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Product: Debt collection

On XX/XX/XXXX I sent a validation of debt letter to NCA for which I have documentation they received the request on XXXX XXXX. They did not respond within the allotted time as per the Fair Debt Collection Act, 15USC 1692g ( Sec. 809 ). I requested that the account be removed. I received a letter from National Credit Adjusters ( NAC ) dated XX/XX/XXXX. Which is at least thirty ( 30 ) days past the due date. Not only did this letter not include the documentation to validate the debt. It was a request for payment attaching a bill statement. The following requested items were not provided ... 
1.Contract from the original creditor 2.Assignment contract between NCA and the original creditor 3.Evidense of their license to practice in my state 4.Alledged contract or other instrument bearing my signature 5.proof debt owed is within statue of limitations I sent a letter on XXXX XXXX for which I have documentation they received on XX/XX/XXXX advising them of this and reminding them of the guidelines set forth. I also advised if not removed from credit report ( XXXX ) that I will file a CFPB complaint.
Product: Mortgage

Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/XXXX an email was sent to Loss Mitigation asking for the status of this case XX/XX/XXXX HMP Properties sent an email to XXXX XXXX in loss Mitigation with some documents requested to me On XX/XX/XXXX The professional in charge of the appraisal visited the property. I never received the appraisal from Loss Mitigation Department XX/XX/XXXX - XXXX XXXX has been asking for the approval letter from XXXX XXXX and there was never a formal approval letter. XXXX XXXX  asked Loss Mitigation also for the appraisal because it was never sent to me. Once XXXX XXXX received the appraisal sent it to me. 

XX/XX/XXXX XXXX I wrote a letter asking for a reconsideration of the appraisal. 

XX/XX/XXXX - XXXX XXXX of Loss Mitigation department send an email letting me know that the reconsideration letter was received and sent to the corresponding department XX/XX/XXXX - XXXX XXXX sent an email to XXXX XXXX to know if the reconsideration was approved. She answered that I should receive a response in 30 days from the date the letter was received by loss mitigation. I never received that letter. Then she gave the number that I should call for status which is XXXX. I never received status for my case calling to this number and I never received a reconsideration to the appraisal. 

XX/XX/XXXX - There was still no approval letter. Loss Mitigation only gave XXXX XXXX  the amount and expenses approved, but there was never a formal approval letter. 

XX/XX/XXXX, XXXX XXXX XXXX answered to XXXX XXXX  that my case was submitted again to XXXX XXXX because by the time to close, the approval will be expired and also that the collateral was requested on this date and will take XXXX weeks for Loss Mitigation to receive it. She also let them know that once a new BPO and net proceed were received that will begin the closing process XX/XX/XXXX - XXXX XXXX  was giving constant follow up. XXXX XXXX from Loss Mitigation wrote again that they were waiting for the collateral and XXXX XXXX approval XX/XX/XXXX - After following up, XXXX XXXX XXXX received another email telling that loss mitigation was waiting for XXXX XXXX answer XX/XX/XXXX - HMP Properties received another email from loss mitigation with the status that were still waiting for XXXX XXXX  answer XX/XX/XXXX - XXXX XXXX wrote to XXXX XXXX for status XX/XX/XXXX, XXXX XXXX answered that Loss Mitigation waiting still for XXXX XXXX This will be a cash transaction. I really appreciate that my case can be escalated so we can close this month as soon as possible. I want my case to be managed with the seriousness it deserves. I am very frustrated with all this process. It has been XXXX months since we started the process and all we get is that there is still no approval from XXXX XXXX. I also request that a formal approval letter is sent to my XXXX XXXX XXXX, XXXX XXXX XXXX. 

I hope to know about a solution for my case. 


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

In accordance with XXXX XXXX XXXX Reporting XXXXt Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX noticed TransUnion is in violation for reporting fraudulent and erroneous accounts 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 These accounts are involved in litigation. Reasons are listed below : 15 USC 1681 ( a ) 3 - Assuming a vital role of evaluating credit which I never gave them authorization to do so. Which is highly effecting my life.

15 USC 1681 ( a ) ( b ) - Did not receive fair and equitable value.

15 USC 1681 ( a ) 2 ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device This was raised from my social security card ( credit card ) and should be excluded from my report.

15 USC 1681 ( b ) ( a ) 2- In accordance with the written instructions of the consumer to whom it relates. 

I never gave permissible purpose or written permission to furnish any reporting on my behave.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 SANTANDER/ROADLOANS.COM Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit card

There's been XXXX attempts to open credit cards : XXXX XXXX and Bank of America, in my name. I did not open any new credit cards. 

There's been XXXX attempt to open a loan through XXXX XXXX. I did not take out a personal loan. 

I did not take out any new credit cards or loans. 

Your help with this is appreciated. Thank you. 

Sincerely, XXXX XXXX XXXX