23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Prior XX/XX/XXXX, my student loans were as follows : YOUR LOAN DETAILS - XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  {$47000.00} XX/XX/XXXX XXXX  {$14000.00} XX/XX/XXXX XXXX  {$19000.00} XX/XX/XXXX XXXX  {$8600.00} XX/XX/XXXX XXXX  {$4500.00} On XX/XX/XXXX, the following loan was refinanced by my son from name into solely his name : XX/XX/XXXXXXXX  XXXX {$47000.00} Thus reducing my federal student loan amount due to {$48000.00}. 

My credit report was upgraded to reflect this change during this time and my student balances remained the same. 

On XX/XX/XXXX, XXXX  XXXX XXXX transferred my loan to a new servicing company Aidvantage. 

On XX/XX/XXXX, I received a notice for the Department of Education, stating that I am eligible for IDR ( Income-Driven Repayment ) Forgiveness. On XX/XX/XXXX, I received notice that my federal student loans were forgiven as follows : XXXX XX/XX/XXXX {$16000.00} XXXX  XX/XX/XXXX {$20000.00} On XX/XX/XXXX, I filed for a Forbearance and requested that Advantage conduct a full audit on my account, as I received a statement reflecting a balance. To date, they are still reflecting that I owe a balance of Direct Parent PLUS {$24000.00}, even though I explained that my son is currently paying this loan back ( see attachment ). Lastly, they are blaming the error on my previous servicing company XXXX, which is now currently out of business. Aidvantage is stating that when the loan was paid it was not allocated properly. However, my credit report stated that the Direct Parent PLUS loan was indeed removed. The current holder of the Director Parent PLUS loan is XXXX and the XXXX is XXXX XXXX XXXX. 

Aidvantage is not assisting me with removing this loan. My XXXX  and I should not be forced to pay one loan twice! 

Please help me!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiry that I do not recognize or authorize : XXXX - XX/XX/year> Equifax Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Debt collection

Good afternoon, I do n't know where else to turn in regards to getting my issue resolved. Dealing with their customer service reps has been a real nightmare. It seems like everyone we have dealt with has an attitude or loves hanging up on people. I have worked in customer service for almost XXXX years and I am appalled by their customer service rep 's actions. It is no wonder there are so many complaints about your company online. 

Myself and the borrower on the loan, XXXX XXXX, went through a separation and finally a divorce in XX/XX/XXXX. During that time per the divorce decree, the borrower, XXXX XXXX, was to pay off the loan or refinance in order to get my name removed. This never occurred and he defaulted on the loan. A judgment was placed in my name because of his action- XXXX. 

A couple of years went by and I pulled my credit report which reflected the judgment that was placed. I understand I am still liable for this debt since my name was still on the loan. On XX/XX/XXXX I made a call to XXXX and spoke with a XXXX ( SP ) employee number XXXX. She said we have the option of paying {$1300.00} in order to settle the debt and to remove the judgment out of my name. 
She also stated that in XXXX days the judgment would be lifted and my credit report would be updated to reflect this change. 

I passed this information on to my ex-husband and informed him to contact the number above to pay {$1300.00} in order to get this settled. 

XXXX made the call and made a payment over the phone for {$1300.00}, which cleared his account in XXXX/XXXXOnce it cleared, he constantly called to get a letter stating the debt has been settled in order to get the judgment removed. The rep he was in contact with, never provided this information. 

I thought this was all handled and the judgment was removed out of my name. Fast forward to XXXX this is still showing on my credit report. I called the number again and was told the judgment was still in my name. The rep states she saw a large payment was made, but does n't know why. I explained to her the history above and told me to have XXXX call. 

XXXX called the following days to figure out what was going on. They informed him that the judgment was never settled and its still outstanding. He again explained to the reps the history above. They informed him there was no proof in their system that payment was to settle the debt. Since that amount, {$1300.00}, was made over the phone and there is no letter from collections or your attorneys. They stated they had no proof of that amount, {$1300.00}, was to settle the debt and judgment. 

All I am asking is for someone to look into this issue. Please pull phone calls, look at notes, etc. This has been settled and has been holding up my move.
Product: Credit reporting

I filed a dispute online, but received no confirmation number or email confirmation. I subsequently tried to check the status of the dispute, but I was unable due to my not having a report number or dispute number. I tried to call Experian to find out what to do, but there seems to be no way to speak to a person unless XXXX want purchase a product form them. It should not be so difficult to correct information on this report, which has critical impact on my personal credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX bill show up on my Equifax credit report. I called XXXX they said it was not my account. I filled a dispute with Equifax. They said the did an investigation and it came back it was my bill. I called XXXX they say the account number does not belong me. They also told SS # does not match any account.
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 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 

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, credit repair services, or other personal consumer reports

I opened an account for a XXXX Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. 

Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. 

I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. 

It been over XXXX since these, one of a kind, occurrences and my XXXX score is still about XXXX below its typical value. 

This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of 15-20yrs decrease my score by XXXX points. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX vs sterling infosystems said they would fix my info and credit
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

A few weeks ago, a friends of mine had clients of his company send my money because his business account had issues receiving money. When his clients send me the money through XXXX, we verified amount and correct location to where the funds went. Everything was good. Now Wells Fargo has decided to close my accounts and hold my money for unauthorized payments despite both parties verifying funds. They will not further investigate and now I am left with no money and no way of receiving my funds until account closure which they hinted at being pushed back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & AXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Product: Mortgage

I have attempted several times to have my home equity line of credit refinanced at a lower interest rate but Wells Fargo keeps denying my application. They wo n't refinance my second mortgage so I can keep paying their outrageous high interest rate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Information Services LLC for their failure to accurately report my credit information in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my efforts to resolve these errors, Equifax has reported inconsistent and inaccurate dataXXXX on my XXXX XXXX account ( Account XXXX XXXX ). 

Errors on My Equifax Report : XXXX XXXXDate Opened : XXXX Equifax reports XXXX, but TransUnion reports XX/XX/XXXX XXXX. High Credit : Equifax reports {$110.00}, while TransUnion reports {$310.00}. 
XXXX Credit Limit : Equifax incorrectly reports {$0.00}, while TransUnion and Experian list {$200.00}. 
XXXX. Date Last Active : Equifax reports XX/XX/XXXX, while Experian lists XX/XX/XXXX and TransUnion lists XX/XX/XXXX. 
XXXX. Date of Last Payment : Equifax reports XX/XX/XXXX, while TransUnion and Experian list XX/XX/XXXX. 

Violations of the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681i ( a ) ( 1 ) ( A ) XXXX XXXX Requires credit bureaus to investigate and correct inaccurate information within 30 days. 
XXXX XXXXFCRA 1681e ( b ) XXXX XXXX  Credit bureaus must ensure maximum possible accuracy in consumer reports. 
XXXX XXXXFCRA 1681s-2 ( b ) : XXXX  Creditors and data furnishers must correct and update errors upon dispute.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and saw that a fraudulent account and address are listed. Please remove these from my report as it's impairing my ability to obtain housing.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am filing a complaint against ASHLEY FURNITURE XXXX and Synchrony Bank for altering financing terms on a purchase agreement without my consent. 

My wife and I purchased furniture from ASHLEY FURNITURE XXXX under a 60-month, no-interest financing plan. We set up payments to ensure the balance would be paid in 60 equal installments to avoid any interest charges. However, after the sale, we learned that the financing terms had been changed to a shorter term without notification, resulting in a 30 % interest charge. Which we have the original purchase order showing the 60-month terms. 

When I contacted the store, they acknowledged that someone on the back end had submitted the loan under these different terms. While they opened an internal ticket, their representatives informed us that nothing could be done due to the time that had passed. I then reached out to Synchrony Bank, which processed the financing, to request a correction. Despite providing Synchrony Bank with receipts showing the original 60-month agreement, they conducted a review only to conclude they would not adjust the terms, insisting that I continue paying under the revised, high-interest conditions. 

I believe this constitutes fraudulent misrepresentation, as the terms of my purchase agreement were altered after the sale without my knowledge or approval. This change has imposed significant financial hardship, as I am now burdened with unexpected interest charges. 

I am seeking your assistance to have the original terms of my financing agreement restored and to hold ASHLEY FURNITURE XXXX and Synchrony Bank accountable for this deceptive practice. 

Thank you for your attention to this matter.
Product: Debt collection

I checked my credit report and noticed an account from a company called XXXX XXXX. I do not know what this company is and have no debt with this company. I tried contacting the collection company and was rudely threatened being sued if I didnt pay the balance owed, yet they would not provide any information about the debt and where it originated. The debt does not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This apartment complex had 6 different managers while I lived there. Terrible company with terrible reviews. I moved out back in 2019 and gave all rights and responsibilities to an ex. Even agreed that I wouldn't get any of my security deposit back. He stayed living there for another 2-3 years and owed money when he moved out due to carpet cleaning, damage to the walls, etc. This was not my responsibility! The apartment manager never filed my lease termination, never took me off the lease, and charged me for these costs after he moved out. I was never notified of this debt, I happened to see it XXXX day on my credit report through XXXX XXXX. They sent this straight to collections and never gave me a chance to argue this before it went on my credit report. See lease termination document below.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fiancee and I recently applied for a new rental home and were denied because one of has " Negative Credit. '' This is the only explanation I was giving a directed to this website to find out what the issue is and resolve it. Our application was denied on Tuesday, XX/XX/2021. I know my credit score is substantial and I have never had issues with this before. My fiancee will be submitting a claim as well.
Product: Credit reporting or other personal consumer reports

I received an email from Fig Loans on XX/XX/XXXX reminding me to make my payment by XX/XX/XXXX to avoid a late payment being reported. I made the payment on XX/XX/XXXX and it cleared my account on XX/XX/XXXX. I received a notice from XXXX that my account payment had been updated with a 30 day late payment. 

I contacted Fig by email and was advised to open a dispute with the credit bureau. I do not feel that this is a fair business practice and I am unsure why my payment was not updated in their system until XX/XX/XXXX. I will attach the emails from the company and the screenshot of the date the payment posted to my account.
Product: Student loan

I've been aggressively contacted by XXXX XXXXXXXX insisting that I make payments to them for my Student Loans. I have advised that my loans were all Federal. 
They explained that they are requesting payments for my XXXX XXXX and that the original Servicer was my school, XXXX University. I never applied for direct loans with XXXX. XXXX 's XXXX XXXX team advised that I only had XXXX XXXX as my loan servicer. 
Most recently, I received an alarming letter stating that XXXX has " Accelerated '' my account and that the full {$17000.00} is due. It also notes that they are planning to send my account to collections to garnish my wages. 
I have already applied for the Borrowers Defense case against them, I would assume they should be able to collect anything while pending investigation and with the current Act in place. My case number from the Borrowers Defense case is XXXX
Product: Debt collection

Didnt receive enough information to verify the debt when requested. 

Account is reporting closed but its reporting and updating a payment history every month.
Product: Debt collection

I keep getting reported on this debt, company claims I am a cosigner on a debt from a known acquaintance. They claim I lived in a address that I do not know. 

My address since I moved to Texas is XXXX XXXX XXXX XXXX tx XXXX. 

I have requested a verification of debt and have not received and they keep raising charge on my report to this day. They have offered to settle with me for something that is not mine my fax number is XXXX and my email is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit report. US DEPARTMENT OF EDU XXXX Balance : {$6700.00} US DEPARTMENT OF EDU XXXX Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD & THEFT XXXX FINANCIAL HARM/ DAMAGE TO PERSONAL CREDIT. 
My name is XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged for a procedure that never took place for the patient. A XXXX XXXX  was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical release for the patient that wasn't me. Financial contracts were signed XX/XX/XXXX through GENESIS CREDIT fs card services {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. Since such time as I was declined of a credit card XX/XX/XXXX and my credit reports ordered that I noticed harmful information on my reports by GENESIS CREDIT aka XXXX XXXX ( credit reporting ). Contact was made by mail and phone to both XXXX & GENESIS CREDIT to NO prevail of theft & negative info. It is now with due diligence that government intervention is necessary in these fraudulent affairs.
Product: Money transfer, virtual currency, or money service

I received an email today XX/XX/XXXX from Coinbase to log in and provide my drivers license. I did so and promptly received an Account Closure email without any way to contact them as to why and how to get my money out- which was invested in XXXX XXXX. The only way they will help you is if you sign in to your account- which I can not do since they deleted the whole thing! I even tried a support email address from XXXX and it only returned a no-reply email saying I have to log in to contact them. Screen shots have been provided with this complaint. 

Today XX/XX/XXXX I also tried to create a new account and it too was immediately closed. I had originally invested {$500.00} in XXXX XXXX in XXXX and my last balance today XX/XX/XXXX was around {$210.00} ( which fluctuates constantly ). My bank information was connected and I want to sell the position and have my remaining funds returned to me. As well I need to be provided with my tax documents related to selling the position. 

They intentionally have obscured their contact information behind a website that I can not log into. Their XXXX # only directs you to log in and use the " chat '' feature. Thank God I am not in for thousands of dollars but any amount of wrongfully closing the account and taking the money is WRONG. 

Please help me get my funds back as a legal US citizen that has not committed any kind of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit card

Capital one closed my accounts on XX/XX/XXXX without any prior notification or communication. I paid my accounts on XX/XX/XXXX but unknown to me the accounts were already being closed. I called capital one on XX/XX/XXXX and this is when they informed me that my accounts are closed due to excessive misuse of the card. To my knowledge, my payments were always scheduled, sometimes in advance, to cover majority of my balance. I asked if they sent any communication on this closure and I was informed they sent a letter out on XX/XX/XXXX which means it wouldnt have been received for another few days or so. The lack of communication is going to result in damaged credit on my behalf due to these accounts being my longest standing accounts. I have no communication from capital one to be able to attach to this inquiry because I have not received any.