23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I contacted Cashexpress llC company in XX/XX/year> to tell them .I was unable to make payment because of layoffs at my job and hours being decreased. I revoked ACH transfers and they still cause fees to be taken out of my account and also took unauthorized money from my account of almost $ XXXX agreed that when my financial situation improved Ill come in a pay my balance in person.
Product: Student loan

I work as an RN for a non-profit and was under the impression that I would qualify for public service loan forgiveness. I went through the appropriate steps of consolidating my loans ( per Navient, formerly Sallie Mae ) and was guided towards a specific repayment option. It is now 6 years later and I am just finding out that the repayment option that I was guided to is INCORRECT and INELIGIBLE for the program, and that I essentially have 20 more years of repayment under my current option, NOT the 4 years I thought. I am now in the process of changing my repayment option but have to restart with 10 years of payments. 

I was guided by Navient ( Sallie Mae ) officials to Consolidate under Direct Loans, and then use Graduated Repayment, which per them, was an acceptable method of repayment for PSLF. I have been hearing about this problem in the media, so I did a little research to find that I also have been a victim of this misinformation. 

I believe I started repayment after consolidation around XXXX/XX/XX/2012, with $ XXXX consolidated under Direct Loans. I have not missed a payment and very responsible with my finances. This whole situation is sickening. I would have chosen a different payment method from Day 1 if I knew I wasn't eligible for Public Service Loan Forgiveness. I have been seeing a lot on the news about lawsuits against Navient for this exact reason, but it being held up by XXXX and XXXX. I do not know what I am supposed to do at this point. 

I know that there is Temporary Expanded Public Service Loan Forgiveness that is supposed to address this issue, but you can only apply to that if you have made 10 years of payments. I am only 6 years in to my payments, but what am I supposed to do moving forward? If I don't qualify for PSLF I want to chose a different payment method that accrues less interest, but I also don't want to switch my payment method and get penalized for it.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted information to XXXX to be disputed. They did not correct the errors. I had different information on all 3 of my credit reports and the information did not get corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my vehicle was destroyed in the hurricane. High winds brought down trees, one of them fell on my car. I had purchased it on XX/XX/XXXX in XXXX XXXX North Carolina and financed it through GM Financial. Because the car was totaled and I had gap insurance both XXXX my regular car insurance provider and XXXX the gap insurance provider were going to pay off the vehicle. I have copies of the email exchange between myself and both of those companies during this time. GM Financial was notified of these claims immediately. I was assured by all three companies that I did not have to make any more payments on this vehicle. The following weekend I purchased a new vehicle at the same dealership which was financed through XXXX. Insurance claims apparently take time to pay out so I kept a close eye on my credit report over the next few months, watching for the balance to disappear. I watched as the amount that XXXX was going to pay was removed. I watched us the amount XXXX was going to pay lingered longer on my credit report. Eventually XXXX paid their part, but inexplicably after both companies paid there was a {$37.00} balance remaining. I spoke with all three companies. GM in particular I called several times about this balance as it was showing as a negative factor on my credit report. They told me initially it was a mistake and that I could ignore it. The account was then charged off. Alarmed because my credit had already been damaged quite significantly by my recent divorce proceedings, I called back once again. At this point speaking to the same individual who had reassured me before that this was a mistake, I insisted that I pay the balance however I could so that it would come off of my credit report. He said he wild and a message to a specific department to fix this, accepted the payment and I have proof of payment from XXXX XXXX XXXX  in XXXX XXXX. That was XX/XX/XXXX. Unfortunately, though that amount was paid ( when frankly it shouldnt have even been there ), GM Financial insists on reporting this as a charge off. Their own employee told me to ignore this, that it was an accident, that it was a mistake. This one negative factor on my credit report is preventing me from having a credit score that will qualify me for the mortgage that I am applying for. XXXXXXXX XXXX in Tennessee, my contact there being XXXX XXXX, alerted me to the weight of this one error. If this were correctly reported as paid as agreed, my credit score would be as much as XXXX points higher. This is an extremely damaging error entirely at the fault of GM Financial. It is preventing me from qualifying for purchasing a home for myself and my children. I am a single mom. I never had a late payment on this loan I followed the instructions of the finance company as well as the insurance companies. This is unacceptable.
Product: Debt collection

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report.

Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2800.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX Late Late 120 Days Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On or about XX/XX/2020, I purchased a one-year subscription to XXXX -a social media management App for business. However, shortly thereafter the XXXX stopped servicing customers and stopped access to all accounts. They even sent an email stating they were having issues and if we chose could request a refund. Needless to say, all such requests were ignored by the company. I then filed a dispute with my bank, Huntington Bank, and was assured all would be fine since I caught it in time. On XX/XX/2020, Huntington issued a letter stating they were issuing a provisional credit to my account for the charges. I even asked if they needed copies of the email correspondence etc. They said no. Today, XX/XX/XXXX, I received a letter via US mail dated XX/XX/2020, that they were in fact " denying my claim '' since the " monthly charges '' happened prior to the monthly billing cycle! 
First, this was not a monthly charge as stated when I filed the claim. 
Second, the company has no monthly charge of {$150.00} Third, it appears Huntington neither read the details of the claim nor investigated since the company is no longer in business and countless customers are up in arms with a simple google search. 

Of utmost concern for me is the inconsistency with how this claim was handled. They could not be bothered to read the details and decided based on facts ( yearly fee ) instead of conjecture and assumption ( monthly? ). I am considering closing my account over {$150.00} based on how this claim was handled. There are no substitutions for attention to detail in Financial matters. As of today, I am no longer referring to my business clients to this bank.
Product: Mortgage

I have been working with XXXX XXXX for a loan modification. On Friday XX/XX/XXXX, they advised the all documents were received and the foreclosure sale date was on hold. Today, i received a call from Mr. Cooper to advise that I have a foreclosure sale date scheduled for tomorrow XX/XX/XXXX and they are requesting the exact information that was sent in XX/XX/XXXX and that was confirmed received by them. XXXX with Mr. Cooper,  was able to confirm that she has in fact received the documents. She advised that she was going to have the file escalated to let them know they have received the documents and request that the sale date be postponed, but there was no guarantee that the sale date would be stopped. At this point, i just need your assistance as i do not want to lose my home. I am elderly have no where else to go. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Fraudulent Accounts Due to Data Breach To Whom It May Concern, I am writing to formally request the deletion of fraudulent accounts and inquiries on my credit report that resulted from the Equifax data breach and the subsequent compromise of my personal information. I recently discovered that my credit was affected due to unauthorized activity, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this information removed.

These accounts were opened or accessed fraudulently without my consent. Per FCRA regulations, I request the following actions : 1. Immediate removal of all fraudulent accounts and inquiries associated with the breach.

Enclosed are supporting documents to verify my identity and dispute the fraudulent accounts : A copy of my government-issued ID A copy of my recent utility bill/bank statement ( for address verification ) A copy of my credit report with fraudulent items highlighted A copy of my FTC Identity Theft Report ( if applicable ) Please provide a written response confirming the deletions and any further actions taken. If you require additional information, contact me 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

While on vacation last month, I was talked into purchasing a membership with XXXX XXXX XXXX XXXX. I was very worked up during that meeting with my mother who has mental health issues, and it was not made clear what was happening during the meeting. I went back the following day to cancel the membership before anything would happen and I was told I couldn't cancel. Not only that when they took my Social security number they opened up 2 credit cards under my name. One with Bank Of America the other with XXXX. These cards they opened without my authorization, they put in a payment agreement. I contacted the banks immediately regarding the matter, and bank of america did not authorize the first payment they were charging of {$2100.00}. The other card with XXXX they put on an 8 month payment plan charging {$260.00} a month beginning in XX/XX/2019 I contacted XXXX. I have no use for the membership but as much as I tried to explain it to XXXX XXXX XXXX XXXX, they would not help me in anyway and became very rude. My current source of income is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received apparently employment from Paxful Company via XXXX and when I was supposed to work as office assistant I end up working a vendor for bitcoin they ask for XXXX and XXXX XXXX  without telling what for I thought was for my payment but they use clients to pay then we transferred that money to them using those app, but i told them I didn't want to use my account and they did someone send me found today {$500.00} XXXX XXXX and I told them why I was receiving that thru my XXXX account she said sorry. Then she asked me to transferred the money to them in many different forms where it was keep failing because of account, so she gave many accounts from apparently XXXX and they fail too I spoke thru my bank stating that they did pass zelles account that why they fail. They keep calling to send the money or I be in trouble this is very weird, and I think they are scamming people. Please help me they have my information due to i was XXXX for a job
Product: Debt collection

Please tell me who I can contact to pursue XXXX XXXX health group legally. I have been going to this office for years and I have always had my wellness visit covered at XXXX XXXX. My last visit I did not see my normal doctor I saw his nurse practitioner who instead of billing my wellness visit as such she decided to bill it as excessive bleeding which I did not have excessive bleeding at all. I just went in for my normal ob/gyn visit. The nurse practitioner asked me why I still had my monthly cycle at my age and I told her that I guess it is not my time for it to stop. She suggested an ultrasound and I asked why when My doctor already ran all pertinent test XXXX years ago and everything was okay she said it was just to be safe. She never told me it would not be covered and no one from their office ever told me it would not be covered or billed as my wellness visit. Months go by and I get something on my credit from an agency trying to collect on a medical bill that I was not aware of I contacted The billing dept at XXXX XXXX XXXX and they apologized and told me it was an error. They even sent me emails showing this was to be removed from the agency and reviled as my wellness visit. XXXX XXXX XXXX handles their billing and refused to adhere to the doctors request and the billing teams request to remove this from my credit report and bill it correctly. They are in violation and I have the emails to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

College foundation is reporting they have a student loan in my name. I have tried to dispute this XXXX  XXXX and XXXX. College foundation of NorthCarolina is saying the information they have is correct. When indeed it is not!!!!. My name, identity has been stolen license social security cards etc in the past. Someone has used my information to got to school or some type of education and these accounts are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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

JEFFERSON CAPITAL SYSTEM is not licensed to collect debt in Pennsylvania, and have not obtained the necessary authorization from Pennsylvania to engage in debt collection activities there. In such cases, JEFFERSON CAPITAL SYSTEM does not have the legal standing to pursue debt collection actions against individuals in Pennsylvania. I, XXXX XXXX, have been contacted by JEFFERSON CAPITAL SYSTEM, who isn't licensed in Pennsylvania. If JEFFERSON CAPITAL SYSTEM does not delete the ( 5 ) items off of my credit report, totaling : {$1000.00}, I will file a lawsuit against JEFFERSON CAPITAL SYSTEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message claiming to be from Equifax. The message came from XXXX. The body of the message read : FINAL FEMINDER : EQUIFAX Has Flagged Your Account For Unusual Activity. Last Day To Resolve, XX/XX/27 XXXX XXXX XXXX I didn't click the link. I never received any type of communication from Equifax for this to be a final reminder of anything. By conducting a search on Equifax I was able to find the phone number the text was from doesn't match their exchange. Some people may click the link in a message like this. Please stop whomever is behind this from pretending to be Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates began reporting a collection debt to my credit report as of XXXX XXXX for the amount of {$450.00}. 
I sent my first written debt validation request on XXXX XXXX and my 2nd validation request on XXXX XXXX via USPS Certified mail. I recieved a response letter dated for XXXX XXXX. Their response was limited to a copy of a billing statement for the alleged original creditor. Dispite several requests for substantial proof of validation as well as 3 rounds of debt validation request and a complaint of noncompliant to XX/XX/XXXXandXX/XX/XXXX Portfolio Recovery Associates has yet to provide me with verifiable proof that I'm responsible for this debt. They have continuously ignored my requests to provide a copy of a contract with the original creditor with my written signature on it as well as my request for them to provide Agent 's names and ID numbers, proof of licensure to collect a debt in my state, proof that the debt is within the statute of limitations to be collected and evidence of how they came to the amount they say I owe. Portfolio Recovery Associates is in violation of the FCRA and has continuously violated my rights as a consumer by reporting inaccurate, unverified and derogatory information on my credit reports, effectively damaging my credit score and limiting my opportunities as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX  and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.
Product: Credit reporting or other personal consumer reports

I dont recognize these hard inquiries that provided on my transunion credit report.I didnt permit transunion to furnish this incorrect information on my credit report.This is the violation of fair credit act section 1681b ( c ) constitutes fraudulent activity and serious breach of my privacy right.Please remove these inquiries from my credit report.
Product: Student loan

I had XXXX student loans serviced by Citibank. I fell on hard times around XXXX. My situation got better and I was able to pay in full what I believed to be the full amount for the XXXX loans. That was an error by me. Zoom ahead to XX/XX/XXXX and my wife and I are looking to purchase our first house. Our credit score and down payments are in order. To my dismay XXXX loans are still showing a balance. I take responsibility for not realizing these were not included in the full amount that I paid in XX/XX/XXXX. However, when I tried to pay the remaining two loans I have been told that I can not pay on these because they have been charged off and that Citi is no longer collecting on them. Months later I get a XXXX in the mail regarding a cancelation of debt regarding these accounts. This seems accurate since the loans were charged off. However, now I am still being charged interest and the account is showing that these accounts are in collections and payments are now overdue. I call to fix this issue but am told that there is nothing that they can do as the loan has been charged off and they ca n't collect on it anymore. This does n't make sense because they are reporting that I am over due on my payments and it is open and in collection. I 'm simply trying to get this taken care of one way or the other in order for me and my family to purchase a house. I 'm not looking for any handouts but simply looking for accurate information and customer service agents who can provide accurate information or who are able to get me to people who have that information. This has been very frustrating in many different levels. I just do n't know what to do. Please help if you can. Thank you for your time.