23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My mortgage went  to Navient fo r a  Student Loan  payment in the amount of {$1200.00} on  XXXX / XXXX /  XXXX   by my web bill pay service. I calle d Navient for  a refund and they said that they would not be able to give it back because my {$150.00} payment was late. It was sent to my mortgage who in turn gave it back in  two days so that I could give it to Navient, which I did. My mortgage payment was due on the first, I advised Navient of this and they said it could take 5- 10 days to ge t it back but they would expedite the service. My mortgage was late on  XXXX / XXXX /  XXXX  , and I still have not gotten the {$1200.00} back from  Navient al though they have pulled the money from my student loan account 15 days ago. So I can not pay my mortgage and my student loan is getting interest on {$1200.00} less because they have removed the payment but have not given it back to me. I am charging them {$170.00} in fees associated with not returning my payment in a timely fashion although they pulled it from my loan.
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I had colleges and universities enroll me without a XXXX XXXX XXXX Based on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX  from the Department of Education Repeatedly. 

I've Reached Out to Aidvantage and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602A and 604A section 2 and 15 U.S.C 1666B See attachments below
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I filled a dispute on Comenity Capital due to inaccurate information and removal. XXXX denied to follow up with the investigation. I recently was notified that CFPB has files a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

I went into the Cadence Bank location at : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to open a 'Budget Smart Checking Account. ' Upon being assisted by the Loan Officer who so graciously assisted me with this transaction, I was informed that " I was denied for the checking account, due to an unpaid balance to another institution. '' This was not the decision of that person ( Loan Officer ) but rather that of other staff at that location. 

Per the information that is listed on their website : " https : //cadencebank.com/personal/checking/budget-smart, '' this is the exact reason why this account is offered, with only two exceptions : " Available to everyone with no incidence of conducting fraudulent activity or outstanding money owed to XXXX. '' Neither of the aforementioned conditions applies to myself, that I am aware of.
Product: Vehicle loan or lease

I was told two days ago by Chase that there was no way the repo man from the previous dispute could get into my wifes car which was locked when he repossessed it. He did and thats what triggered the theft alert on the car. While the vehicle was at the repo yard, my wife received the same alert. When I got there to see if someone was tampering with the vehicle, the alarm was indeed going off. I silenced it with the key and not five minutes later the alarm went off again. He had forced his way into the vehicle and he was under the hood of the car this time and opening multiple doors. The manager from Chase stated that there is no way he could have opened the door but he was able to when I seen him with my own two eyes. Also, I was told today that on the bottom of the notice of sale that Chase sent me only means they can charge the full balance of the loan once its defaulted. The phrase at the bottom does not mean they have the option to reinstate or work with a consumer to get the loan reactivated. Which is false advertising. Also, there were no documents filed regarding the repo according to LA state laws in the Administrative process. Chase is breaking multiple consumer laws. This has been a nightmare. This can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

How do I know that this account has been verified? There is no original creditor listed on file for me to verify that this account is mine! Account Number : XXXX
Product: Credit card or prepaid card

I am requesting that you remove the late payment from my account as it is inaccurate. I have never been late with this account and have been working hard to make my monthly payments on time. This late payment is unacceptable and I urge you to take immediate action to rectify this error. I have attached relevant documents to support my claim.
Product: Credit reporting or other personal consumer reports

The company Lockhart , Morris & Mont is reporting incorrect information on my credit report. They are reporting the incorrect start date so that the debt will stay on my report longer and reporting that Im missing payments on my credit report. This has cause me not to be able to rent or buy a house and is causing problems with my mental health. They have been doing this for more than a couple years. XX/XX/20 to present day.
Product: Debt collection

on my credit report there is a company trying to collect over XXXX dollars from me i have no idea who this company is or where have i ever signed a contract or agreement with them nor any of there affiliates
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed unauthorized account XXXX XXXX XXXX in the amount of {$400.00}, paid, closed. 
I do not recognize and have filed a FTC report. 

I asked for Method of Verification from Experian after the dispute results stated that the account verified it belong to me. It has been past 30days. Please delete unknown account.
Product: Debt collection

On XXXX XXXX, 2021, I received an email from Net Pay Advance welcoming me and advertising their " points '' and promotions. I didn't read it and deleted ( I found it later in my Deleted Items folder ). 

On XXXX XXXX, 2021, I received an email from Net Pay Advance with the subject " Due Date Reminder. '' I opened this email but since I have no business with this company did not respond. The message claimed I had {$110.00} due. 

On XXXX XXXX, 2021, I received an email with a time stamp of XXXX that an attempt to process a payment was not successful. 

On XXXX XXXX, 2021, I received an email from Net Pay Advance with a time stamp of XXXX. The email indicated that an automated request had been sent to the back account on file to receive payment for the loan. No withdrawal was made from my account. 

XXXX robo-call voice messages were on my voice mail related to this issue, at our home number ( which we use only for junk ). 

I do not want to contact this business because I do not know if they are legitimate. My credit report does not show any new debts or activity, at least not yet.
Product: Mortgage

This is a follow-up complaint because my original complaint was not addressed. The response from SLS addressed all of the actions that were taken from XXXX XXXX XXXX forward. However, my complaint is for the start of the forbearance process which was XXXX XXXX XXXX The response doesn't mention anything about the options that were presented to me at the start of the program. 

My home mortgage lender, Specialized Loan Servicing ( SLS ), offered me a XXXX relief program. The program began in XXXX of XXXX. It was a XXXX forbearance program. One of the options offered was, at the end of the forbearance, to add the amount that was in arrears on to the payment, which I agreed to. However, at the end of the forbearance, they instead required that the entire amount that was in arrears to be paid all at once. They told me at the time that it was the only option available, which was not part of the original terms, otherwise I would have never entered into the program. The terms are in writing, and they were also explained through the SLS rep over the phone.

When my attorney 's office spoke to SLS recently, SLS told them that the reason I was not able to resume monthly payments is because I never opened the portal to start those payments. The rep I spoke with never advised me of a portal at that time. The reason they gave me was the option to resume payments was not available. That's two different reasons. Is it because the portal was never opened, or is it because the option was not available? All of the reviews of telephone calls from XXXX XXXX XXXX going forward that are included in the SLS response have nothing to do with my complaint. Specifically, I would like to know why the option to resume payments was suddenly no longer an option at the end of the forbearance?
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase of {$290.00} at XXXX and agreed to a promotional payment offer made by Comenity bank. The offer was XXXX interest if paid in full by XX/XX/XXXX. I made payments each month in a timely fashion, and they cashed each check I sent, however they failed to post 2 of the checks to my account. I caught the 1st missing payment on Sunday XXXX. I immediately called and messaged to them on their website with copies of the check. On XX/XX/XXXX I caught yet another check that they cashed and had not credited to me. Once again I called and sent a message to them. I was advised by a customer rep on the phone that I would have to pay the amount again ( basically overpay my account ) for the missing payments while they research the problem so as to not get hit with the accrued promotional interest. I did this on XX/XX/XXXX. I checked my account balance on XX/XX/XXXX and it was XXXX. They then proceeded to bill me {$26.00} for accrued interest. (?? ) They have since credited my account for the missing checks but not the XXXX in interest. I paid this so as to not have my credit score hit, but here I wait to get it back all I hear is crickets from Comenity. Hoping you can intercede and get this money back. This is not a lot of money. But this is stealing. This company needs to held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company SCA CRED SVC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I have a. XXXX XXXXXXXX XXXX account that was closed and paid in full since XXXX after multiple disputes and contacting both Credit report companies and Creditor submitting proof and requesting review neither company admits responsibility and to this day unable to resolve and or correct information. Credit bureaus do not contact creditor ton resolve disputes. Creditor will not contact Credit bureaus to give correct information. This has gone back and forth for years and is affecting my life and credit history.
Product: Credit card

I applied for a Capital One venture XXXX XXXX  days ago. I have excellent credit, which is higher than my husband 's. I am a XXXX XXXX. We share all finances. I do the booking for travel, so it made sense for me to apply for the card. They asked for XXXX consecutive bank statements for my proof of income, as well as our trust agreement that went with that account. I provided both. After waiting several weeks, I called. They informed me that was insufficient proof of income. I submitted my husband 's XXXX most recent pay stubs, which are deposited in that account which I proved I had complete joint access to. Still insufficient. Now they are saying I need a certified letter from my husband that he pays me. He was not comfortable doing that. It is not accurate. All money that come into our household is both of ours. My husband decided to apply for the same card with the exact same details. He was immediately approved. It was my understanding that regulation z was to make this illegal? 

I no longer need this credit card. I will be added to my husband 's account. Capital One strung us along for so long though, the {$250.00} advertised sign up bonus was no longer offered for my husband 's account. So, not only did they discriminate against me because I am a XXXX XXXX, but also cost us {$250.00}. 

While looking for advice on this topic, I came across several online forums on the same subject. It appears there are many XXXX XXXX XXXX XXXX that have had the exact same experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XX/XX/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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  XXXX Bankruptcy Reference # XXXX : XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you are reporting inaccurate personal information on my consumer report. I have file a dispute informing Experian that my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that Experian remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind Experian you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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.
Product: Student loan

Initially I called into Sallie Mae to get options on lowering the payment because it was not affordable due to my son not working for a long while and just landing a part time. Currently I am on medical. It was maybe toward the end of XX/XX/2023 I asked about lowering the interest rate and anything else that could be done. The rep told me about the interest only for 6 months but would need a payment that same day which I was not able to make. I advised to think on and would call back, she claims would document the conversation. 

On XXXX XXXX XXXX I reached out to Sallie Mae since I am the co-borrower and making monthly payments out of my account on behalf of borrower. The representative was difficult to hear because of the poor connection. She proceeded to re-read and continue with her script after I advised her numerous times I couldn't hear. I also asked about a loan modification and she evaded the question and proceeded with reading the script and continuing with the call. It was the most XXXX process in trying to secure a lower monthly payment. It was not fairly positioned nor was I given the opportunity to learn about a modification before being placed into this short term band-aid. Finally I spoke with a supervisor and all she could do is apologize and transfer me directly to the loan modification team. The representative went through the process of asking me questions, putting me on hold. I don't understand why my credit has to be pulled when asking for a loan modification on behalf of my son who is barely making enough to cover any of his own expenses. He is the borrower and his credit and income should be the main consideration for a modification. It is humiliating enough to have to make these phone calls and then get placed into the wrong products. We want to pay what is owed but not for 6 months then back at the drawing board where Sallie Mae is trying to further gouge the private loan customers because the federal loan products are being forgiven. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second request and again for the second time I am sending my identification and a copy of my social security card and my FTC reports. If your office is now open from the covet-19 virus please address my issue
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I contacted the company via phone call and they agreed to update the account to reflect open/not late status. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX
Product: Credit reporting

Identity Theft Affidavit Fraud!! APPLIED BANK XXXX .... 
{$980.00} as of XXXX/XXXX/XXXX XXXX Account charged off. {$980.00} written off. {$980.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Business Card Terms NA On record until XXXX XXXX Credit limit or original amount Not reported High balance $ XXXX Monthly payment {$0.00} Recent payment {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has been notified that this account is not mine and  may  have been obtained fraudulently. The companies are  XXXX   XXXX  and  XXXX .