23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, Trellis company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.On XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with trellis was initiated almost a year ago approximately. I spoke to Manager XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact Trellis company 's bank, XXXX XXXX  for additional information. I did reach XXXX XXXX ( relationship manager at XXXX XXXX  ) I again explained the situation and was advised that now XXXX XXXX XXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from XXXX XXXX  or XXXX XXXX XXXX I have maintained communication with both frost bank and trellis company throughout this process via email and telephone calls leaving voicemails and never hearing back. Trellis company contact number XXXX XXXX bank relationship manager XXXX XXXX XXXX XXXX I dont have information for the XXXX XXXX loss preventention department. i also further believe that my loans were rehabilitated and then due to internal errors between dept of ed and loan services was then back in default. If you review the loan history you can see a history of payments so the fact that the account was rehabilitated and then went right back into default was news to me. I believed that my loans wer not in default since the had gone through the rehab process.
Product: Debt collection

Nationwide Credit Corp is trying to collect a {$2.00} debt for Washington XXXX XXXX XXXX which opened on my credit report XX/XX/2021. 

I do not owe this creditor any money. This need to be removed from all XXXX credit bureau files immediately. I DO NOT OWE THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired my credit ( Transunion ) in request of a personal loan together with my wife. In the credit report 2 inquiries appear dated XX/XX/XXXX and another one dated XX/XX/XXXX, I make a claim in the same week of XX/XX/XXXX of the double inquiry with the XXXX ( Number of claim XXXX ) and the response to the claim was favorable to my person for which the XXXX promised to request the elimination of the inquiry dated XX/XX/XXXX. 
I ended the situation in the month of XX/XX/XXXX when I reviewed my credit report in the month of XX/XX/XXXX I find that the double inquiry was still in my credit report with Transunion to which I proceeded to make another claim, the XXXX 's response was that it had already been requested in the month of XX/XX/XXXX and they returned to commit to carry out the procedures for the elimination of double inquiry. From XXXX to the present I have made multiple attempts for the XXXX to take action in what they committed to me, I opened 3 additional claims : a : XXXX, b : XXXX and c : XXXX. The person in charge of processing the elimination of double inquiry is XXXX XXXX XXXX from the claims department. 
This situation is affecting my credit report since my score is affected by an inquiry that should not be there. I made multiple calls to BPPR customer service and the only answer I had was that they would make notes to the claim and that I would be called in 1 week ( twice I got that answer without actions from BPPR ) so I decided to open a complaint to CFPB so that My business can be addressed. 

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

I discovered that the account on my credit report was incorrect when I reviewed it. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and fixed : XXXX XXXX XXXX : {$4900.00}
Product: Debt collection

I was contacted by a company called Zwicker and Associates on behalf of XXXX XXXX. I tried contacting XXXX XXXX to explain that I have never had an account with them and that I have been a victim of identity theft and that I did not authorize these accounts. I gave them my information and they updated it within their systems, and then told me that my account was transferred to a debt collection agency. I contacted them and was told that these accounts were forwarded to a civil matter. I was not made aware nor was I served any papers for a civil matter. The information that they had within their system does not and did not match my address the only information that matched was my name and social. I tried explaining that I have been a victim of identity theft and they are telling me that I am responsible for these accounts. I did not authorize these accounts and they do not belong to me.
Product: Debt collection

I was never contacted by the original debtor nor the debt collector that I was allegedly delinquent on a bill. The collector never could validate my debt nor send a proof of debt or even an itemized statement of the original transaction. The only reason I even found out about this account was because it was on my credit while I was trying to purchase a house. H & R Accounts even admitted on the phone they dont have any proof of debt and theres nothing they can do to remove it from my credit report.
Product: Student loan

This is my second complaint, since the first was closed due to the company responding. The representative at XXXX XXXX XXXX miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to XXXX XXXX XXXX for my paid in full loan payment, stating that I do not have a loan with XXXX XXXX XXXX and I should be sending the payment to Navient, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via ups. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. 

It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. 

Now she told me I do n't have a loan with them, although NAVIEent uses XXXX XXXX XXXX for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$50.00} processing fee for it to be sent to the processing department because im not a XXXX XXXX XXXX customer.. My next step will be to sue with the bankers at my local branch being named as defendants along with XXXX and cfo XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by Key Bank, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.
Product: Student loan

I received a letter from XXXX ( my previous loan service ) saying they will transfer my student loan to Aidvantage. Here is what the part of letter said : " The U.S. Department of Education ( ED ) will soon transfer the customer service of your federal student loan account to Aidvantage, another member of ED 's federal loan servicer team. Your loans are not being sold. ED will continue to own your loans ; however, a different servicer will manage your loans and assist you on ED 's behalf. 
ED is transferring your loan account to Aidvantage as part of an initiative to keep customer service and repayment support balanced across all federal loan servicers. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. 
Your loan account will be transferred to Aidvantage on or about XX/XX/year> ''. On XXXX 's loan service also saying they won't accept any payment during loan service transfering. I was supposed to pay off {$20000.00} student loan, but I have to hold it until they are done transferring the loan service. 

They didn't mention if the interests are still keep charging during the transfer. So I called XXXX, Federal Student Loan, and Aidvantage. XXXX and Federal Student Loan service said it will keep charging the interests. Then I asked I was going to pay {$20000.00} off to lower the interests, but I was not able to pay to any loan service while the loan was transfering. It's going to keep charge me the same interest, without lower it. Who was going to take responsibility of the interesting being charged while transferring the loan without able to pay off the loan? XXXX and Federal Student Loan pushed the responsibility to each other, so I didn't get any answer. Then I called Aidvantage service. One lady said it will keep charging me interest, but no solution about pause the interest while transferring the loan that takes many days. One said the interest will be paused.

So I was waiting to pay {$20000.00} student loan until XX/XX/year>, but I still didn't get any information for my new account at Aidvantage. I kept calling Aidadvantage service and the answer was that it took about a month to get my new Aidvantage account, and they told me it won't charge me interest while waiting. So I finally got my Aidvantage loan account in XX/XX/year> and paid {$20000.00} right away, the payment is still on processing by today XX/XX/year>. When I checked the loan balance payment statement. I see they charged me interest everyday while waiting for my new Aidvantage loan account. The total interest is XXXX by XX/XX/year> ( the interest is going to be more by today, because they charge me interest every single day ). I feel like to be cheated by the loan services and took advantage of. They delayed the loan transferring process for almost a month which is not my fault, why would I need to keep paying the interesting? This is not fair to me, because I was trying to pay off {$20000.00} while they transferring the loan service.
Product: Debt collection

Profolio Recovery Assc has been threatened to sue and has reported on my 3 credit bureaus
Product: Checking or savings account

XX/XX/2019 {$14000.00} +Bitcoin {$930.00} The company closed my account without notice, contact with them only will email and XXXX, after few days later, the last mail says You will not be able to cash out funds from this company, I ask them again and just ignore my inquires.
Product: Credit card or prepaid card

I used a XXXX  XXXX card to purchase furniture that I received broken, twice. The accrued interest started when the order was placed, not when I actually received furniture. I paid the amounts requested on every statement and was just charged the accrued interest of {$540.00}. I tried to call to explain it to them but they will not reverse it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without authorization on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my Equifax and XXXX  with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Product: Money transfer, virtual currency, or money service

Paypal juat ruined my account for no reason, they said I cant use paypal anymore even I didnt do any illegal activities. It happened to my account last XX/XX/2022. I hope they will restore it today instead for 180 days. I really need the money for XXXX XXXX. Thank you so much
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to file an dispute regarding the incorrect reporting and unlawful transfer of my account to XXXX XXXX XXXX, as well as to demand an immediate and thorough investigation of the actions taken by XXXX XXXX XXXX XXXX. 

The account listed above has been transferred to a third-party debt collector without my knowledge or consent, and the account status continues to be reported inaccurately. I have made several attempts to resolve this issue through the credit bureaus and with the creditor, but these disputes have been routinely and unlawfully verified, without addressing the critical errors or providing proper documentation. 

Issues with this Account : Unauthorized Transfer to a Third Party : XXXX XXXX XXXX XXXX sold my account to XXXX XXXX I without my consent or prior knowledge. This constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to notify consumers before selling their debt to third-party collectors. 

FCRA Violations ( Fair Credit Reporting Act ) : Section 1681i - Reinvestigation Violations : Despite multiple disputes regarding the status of this account, the credit reporting agencies have repeatedly verified the information without conducting a proper reinvestigation or providing any supporting documentation of the sale of the debt or the validity of the reporting. I have received no evidence of a legitimate process to prove this account is accurately reported. 

Section 1681c - Time Limitations on Reporting : The account is marked as a collection, but the original creditor did not provide documentation proving that the debt was validly transferred or legally owed. According to FCRA guidelines, if this account was charged off, it should not remain on my report indefinitely and must follow the correct timeline for reporting, which has clearly not been followed here.


Section 1681s-2 ( b ) - Duties of Furnishers of Information : Affirmation by XXXX XXXX  I of this debt is an unwarranted continuation of inaccurate information. The lack of proper documentation supporting this account is a direct violation of the FCRA. This collection entry is inaccurate and unlawful, and I demand an immediate deletion of this account from all credit reports. 

Inaccurate Reporting of Account Status : The account is marked as collection with no valid record of payment history or documentation supporting the accuracy of the amount owed. As a result, this has unjustly damaged my credit report and my ability to obtain financing. There is no legal basis for the account being reported as a collection under the current circumstances, and I am demanding immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Checking or savings account

I'm trying to link my account to an app that is used for helping out with finances. I'm not the best when it comes to finances and I desperately need the help. I am soon to be married and need to be able to get a grip on my money to better provide for my soon to be wife.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( TransUnion ) are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX