23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I got notification today as of XX/XX/XXXX that my grace period for my college loans was over. During the years of XX/XX/XXXX-XX/XX/XXXX, I was in XXXX school and had a grace period to defer my loans for XXXX. However, since my school has updated just recently that I am no longer a XXXX  student. Navient decides to let me know that I have a payment due in 4 days XX/XX/XXXX. <P/>Navient did not let me know at least a month of advance to make a payment. I can not afford that payment since I was just given a 4-day notice. My next payment is due on XX/XX/XXXX. <P/>They just let me know as of now the change of loans has been changed which is XX/XX/XXXX ( today ). My complaint is that Navient should have better timing to notify their customers of payments at least in two weeks or a month advance so that I could make a payment or try different options if I can not make the payments. <P/>I hope you can assist me with this matter. I 've my emails to show as proof. I contacted customer representative this morning on my way to work, who did n't quite understand why I called to let Navient know pursue better business practices of letting the customer know the payments. She was not as helpful ; it seemed she needed to wake up get a grab a coffee. She told me my options, but I could barely understand her since she was mumbling. Maybe she needed to grab a cup of coffee. <P/>In conclusion, I reached out to Navient, who do n't understand what the issue is. The issue is the timing and notification of payment less than four days!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CHILD SUPP continues to reappear on my account. I have never been late or been in collections on my child support. In addition, this account is over 7 years old. Per the FCRA, I demand that this account be deleted from my credit report or updated to " Never Late '' or I will be pursuing litigation for {$1000.00} per incorrect item.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have viola
ted my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Cr
edit bureaus stated my account was properly investigation

but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, i did not give anybody w

ritten instructions inaccurate, and date last reported is not accurate. This ground for removal. They also violated the law becausey according to 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 m
y written instructions
Product: Credit card or prepaid card

I used my card to attempt a cash advance on XX/XX/XXXX, the three amounts were XXXX, XXXX, and XXXX. All three were denied at the POS but the funds were deducted from my account. The manager on duty gave me the batch report to send in so that i could show that no cash was approved for payout and that I received nothing for the attempted transactions. I filed the dispute that evening when i got home, faxed the dispute in that same evening also to make sure that the company had it before the 10 day time frame. They received the fax XX/XX/XXXX and I recieved the letter in the mail dated XX/XX/XXXX on XX/XX/XXXX and which time, just to be certain, i faxed the information in again. It clearly states on their dispute resolution form that if recieved within 10 days of the initial call provisional credit will be applied on the 10th business day. The 10th business day was XX/XX/XXXX. There was no provisional credit applied to the account and i spent over 6 hours on the phone being transferred to 8 different people. I was told that they never recieved my documents buy one rep, told that they make the decision if a credit is given by another, that i had to wait until the 13th business day by another, that my dispute has not been worked yet but another, and when I requested to speak to someone in management I was met with resistance and told they would tell me the same thing. I followed all the steps in Regulation E, however this company has  and is not. They are making up when and how they apply the rule, and each time its a different story with someting different. I gave them them the documentation from the business showing that no money was given to me and that they did indeed remove it from my card, and now they are violating the law and still withholding it. That is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit report and I've disputed them several times with ECMC and XXXX  and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the covid-19 pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent XXXX  balance accounts immediately. Thank you. 

Account Opened Amount ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX  app made on XX/XX/22. One was for American Express and the other as for XXXX  XXXX. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Experian.com and I saw that you have recently began to report me late on the following accounts : I also stated that I have previous credit reports from the Experian.com that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
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

I had a fraudulent charge of XXXX that occurred at a XXXX XXXX  in another state but the bank wouldnt allow a fraud case to be opened because they said it was done with XXXXXXXX XXXX. They forced me to file it as a dispute then even though it was fraud then they summarily dismissed the dispute case within 2 days one of which was a holiday so there couldnt have been much action taken.
Product: Debt collection

I was notified on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX  agency that Convergent Outsourcing, Inc informed them to reinstate a bogus collection account which was deleted off my credit report at the request of Convergent because they feel that they information is correct.     On  XXXX   XXXX ,  2017  I filed a complaint with CFPB against  Convergent Outsourcing Inc,   complaint #  XXXX  in which they responded that the bogus and derogatory collection account which contains incorrect identifying information not relating to me would be deleted from all my credit reports which they did but then on  XXXX   XXXX ,  2017    XXXX   notified me saying that Convergent requested that the collection account which does not belong to be placed back on my credit report base upon they believe the information that they have to be true, correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian XXXX XXXX in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.
Product: Debt collection

I kept receiving threatening calls that they were going to garnish my accounts. I asked for more information, but they wanted my social security number and I told them I wouldn't provide personal information over the phone. 
I never received anything in writing till I was served a summons. Now they are reporting derogatory account to my credit every 7 days.
Product: Debt collection

Request for Account Information Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing regarding the XXXX XXXX  account referenced above, which is currently reported as charged off. Please note that I am not disputing the account. However, I am following up to request clarification on specific details related to this account for my records. 

Specifically, I would like to request the following information : 1. The date of first payment on this account.

2. The date of last payment made toward this account.

3. The date the account was charged off as bad debt.

This information is essential for my understanding of the account timeline. I would appreciate it if you could provide this information in writing at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit card

my card comes with {$600.00} per year membership fee and includes travel benefits, however for a month I am unable to file benefit claim for trip delay because their website XXXX is not working. I have screenshots of their malfunctioning website. They emailed me form after a month of trying to file the claim and provided an email to email the claim form which needs to be emailed within 24 hours however that email is not working either. 
I spent multiple hours on the phone and today they are telling me I need to mail it which I am unable to do. 
They disabled their site an email on purpose so people give app filing claims so they don't have to pay out due to time frame deadline which I am very close to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} USDOE XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}
Product: Debt collection

On XX/XX/XXXXI contacted Financial Credit Network by certified mail, requested to send certain documentations to show that the debt is in fact mine, which is ( Debt Validation ) they refused to show me any documentation stating that it is, as they continued to file a debt that doesn't belong to me it continued to hurt my credit and caused me to get denied for a credit card. I then sent then a 2nd letter which was sent XX/XX/XXXX which was to send documents that were requested in the first letter and also requesting to send additional information which included 1.the original instrument, 2. their registration details with the financial conduct authority. 3. their registration details with the information commissioners office. 4. their consumer credit license number 5. their public liability 6. their registration details with any other regulatory bodies. the company did not. third letter was sentXX/XX/XXXX requesting the same information needed to show proof that the debt is in fact mine. The company sent a copy of a bill with my incorrect address stating that its mine the amount stated that I owe was XXXX which doesn't prove anything, The company denied to send requested information yet again and now I want to file a complaint because I believe this company is committing fraud.
Product: Checking or savings account

I Contacted chime on XXXX XXXX In regards to unauthorized transactions completed on my account. Chime response on XXXX XXXX stating No error has happened. When In fact an error has happened the transaction wasnt completed by me I provided documents to prove my device was stolen and compromised so someone was in full control of my account. They also stated In accurate information.. saying transaction was completed in the past with the merchant and thats incorrect I have statements to prove. They basically denied any information provided without conducting a investigation being provided all incorrect information I have went above and beyond and verifying charges wasnt authorized by me and until chime does a proper investigation they will continue to deny me for something that wasnt completed by me is unacceptable
Product: Money transfer, virtual currency, or money service

I received a phone call that represented the local police department regarding an issue with my young daughter. This caller knew everything about my daughter and even gave me a police badge ID and name. He had a local XXXX area code number and told me that he would help me get my daughter out of jail. He told me that he would help get her out of jail asap but needed me to wire transfer or send me the bail money. I told him that I would have to call him back. I had his phone number and called back and asked if I could go in the jail to make the payment, he told me that I had to have the payment made ahead of time. I had no idea the process and trusted this man. I send him money via XXXX at his request. I immediately realized I was scammed after discussing with a friend and I called Bank of America to cancel the money transfer. I called within the hour. I spoke to bank representative who assured me that the bank had ways of reversing the payment and also would be able to talk to the other bank involved and stop the transfer or reverse it. Bank of America never followed up, instead I received a form letter in the mail informing me that they could not help me. I called Bank of America and then disputed and requested that the bank help me retrieve my money. they again sent me another form letter telling me they reevaluated and came up with the answer, they can not help me. I filed a complaint with the Texas Attorney General. I immediately got a call from bank of America, but they have not called back nor have they returned my last two attempts to reach them. Based on the Regulation E, Electronic Fund Transfer Act, Bank of America should have offered support to help me reverse this since I immediately realized it was a mistake, and they definitely have the means to stop a transfer or get the money back from the other bank. At least, they could do more to report this fraud and stop these scammers.
Product: Mortgage

Ihave a prior complaint reference XXXX upon reviewing my credit report the nationstar recast department last year suspended and took my payment history funds and reversed THEM the trying to calculate the applied funds on the recast at different interest rate than the rate that was RECAST AND notarized. Now I have had late fees APPLIED that I had no knowledge AND ALSO XXXX 60 DAY LATES ON MY CREDIT REPORT I TALKED TO NATIONSTAR REP HE SAY H WILL TAKE CARE OF IT BUT I FEEL I HAVE CONTINUE TO EXPOSE THE SHADY DEALINGS THIS COMPANY ENGAGES IN THERE ARE NO CHECKS AND BALANCES
Product: Debt collection

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Discover Bank account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT ADJUSTERS have been reporting to my credit as a collection on XXXX and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried numerous times to have this information removed from my credit report, i have never signed or given them access to place it on my report. This item has been reporting since 2017 and the amounts have been wrong and the dates and also late payments. This is affecting my ability to gain credit further.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.
Product: Vehicle loan or lease

On XX/XX/19 Autotrakk Llc was provided written notice of dispute regarding a repossession being reported inaccurately on my credit file via certified USPS mail. I challenged Autotrakk to provide the proper notices to cure for the said repossession and their ability to report this debt on my credit file. After the repo i was never provided any notice to cure, i did not receive any notice of where the vehicle was being sold or where i may purchase the vehicle back, nor was i sent a deficiency notice. these are all violations of state and federal laws including the FDCPA and the FCRA as well as RISA and XXXX. South Carolina law UCC section35-5-111 and 110 also states that deficiency can not be claimed unless all of the required notices were properly and timely given and all allowable cure time limits were adhered to. 
Autotrakk was given 14 days to provide these notices or delete this inaccurate information from my credit file. they have failed to provide these notices and have yet to delete this from my credit file i demand immediate removal from my credit file or i may exercise my right to file legal action against Autotrakk LLC for failure to provide notices as well as false reporting on my credit file. if Autotrakk removes this information from my credit file within 30 days i will consider this matter resolved. please find attatched the copy of the original letter and certified mail receipt that was sent to autotakk.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, I have tried many times to get Equifax to correct inaccurate information on my report, as you know I suffer from XXXX  and have been in and out of the hospital many times and i have notice that over the last 60 days my credit score went from XXXX down to XXXX yet there has been no adverse things going on in my financial situation and any one knows that a persons score does not just go down that many points for no reason you know it and I know it. I think its time to re investigate Equifax for law breaking practices as they have done similar things like this in the past to try to sell the consumer products regarding their credit score, I don't have time or the health right not to continue to deal with this therefore, I ask you to do an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( 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

I have owed a debt of around {$2700.00} on what used to be a XXXX XXXX credit card for about a year now. Due to being in the XXXX XXXX, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, Portfolio Recovery Services LLC continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.
Product: Debt collection

I received a collection letter from XXXX XXXX stating that I owe a balance to XXXX but they never sent anything before. I sent them a debt validation letter asking for an agreement bearing my signature between me and their collection agency, proof that they are licensed to collect in Ohio, their license number and registered agent, complete payment history on this account along with an accounting of all additional charges assessed, valid copies of the debt agreement stating the amount of debt and interest charges, and also an agreement between them and the creditor that authorizes them to collect on the alleged debt. They failed to produce any of these and also sent me a letter saying the debt is valid with a summarized bill. Not to mention they also sent a preselected exclusive offer for me to get their services which doesnt make since if their claiming I owe them.