23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On today XX/XX/XXXX @ between XXXX pm I contact IQ Data International Inc address is XXXX XXXX XXXX XXXX Washington XXXX XXXX. I spoke with a XXXX, then a representative named XXXX, he was very rude and in good faith I attempting to contact IQ data settle a debt of {$950.00} with XXXX XXXX XXXX that was owed back in XXXX. I advised XXXX that I could not pay {$880.00} or {$990.00} in full on XX/XX/XXXX. I explained that my fiance ' made several attempts early summer of XXXX and before then to resolve the debt owed. The representatives were very unprofessional and when I addressed him of speaking spoke over me as I am the customer the statement was " you are not a customer '' in a very disrespectful tone ( and a bit of racists ) as well. Upon speaking with XXXX the operations XXXX, she was worse. She stated that I had an attitude because I requested a lower settlement payment than the first offer of {$880.00} and second offer {$990.00} in which the payment was expected to be paid on XX/XX/XXXX. XXXX continued to speak over me ( talking at me ) and she placed me on hold ( no profanity was being used ) and she made another statement about me " reading the letter '' in a very unprofessional and could come off as being a bit XXXX. The end result was after I paid {$240.00} on XX/XX/XXXX, XXXX the Operations XXXX would not allow for me to pay the balance of {$640.00} dollars in 30 days in XX/XX/XXXX between my fiance and I, she wanted {$640.00} in full before the call ended, and she hung up on me.
Product: Debt collection

I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

am disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Also a collection account XXXX XXXX is a fraudulent account and I have submitted the proper paperwork and will resubmit it again via by mail. Which clearly show this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is illegally being manipulated. It does not show an increase as payments have been and are being made on time. It is frozen. This is my second complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed a Copy of my credit report. I am extremely staggered from seeing an open account - XXXX XXXX dated XX/XX/2024 that been on my credit that I did not authorize. This is not fair while Im in process of closing in on a home for me in my family to stay in and I cant because of these unauthorized accounts on my credit. Please remove these accounts as soon as possible please and thank you.
Product: Debt collection

I 've been requesting to change Income Based Repayment ( IBR ) to Pay As You Earn ( PAYE ) for federal student loan debt for months on end. I have been dealing with multiple representatives who have run me in circles faxing application forms and have been repeatedly told they were not received or they had other complications with them. Their solution at multiple steps was to go into a temporary forbearance and add to my interest while they took the time to get the applications completed. At this time I 've been on the phone with them and was told that they still have not been able to change my plan, that to do so I would need to make some sort of payment and go on a forbearance for a 3rd time until they can change me to a plan I can afford, which is estimated to be XXXX/XXXX/17. I 'm not sure at the moment how much interest has accrued over this long fight but my loans are over {$400000.00} total so I 'm sure it 's not a small sum and there seems to be no accountability on the other end of these dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries I did not authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX   XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX0 XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from JXX/XX/XXXX Automotive XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Auto Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month, when I went to mail a check, the account was in a past due status. On the payment coupon I recieve every month, there is no " principal only '' option, so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result, my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it, but I believe my credit history has still been negatively effected. If I did n't say anything, I 'm sure the bank 's mistake would have gone unnoticed and I would have suffered for it on my next loan application. I want to bring it to the CFPB 's attention so other consumers wo n't experience the same poor record keeping and payment processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - Date of inquiry : XX/XX/2023 XXXX  - Date of inquiry : XX/XX/2023
Product: Debt collection

Today, I received an email from a company called XXXX XXXX, a debt collector trying to collect a debt to LVNV Funding LLC. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX Bank with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been more than patient and have tried to fix this issue multiple times with Equifax and no resolution has been done. As of XXXX XXXX a law suite against Equifax for the improper use and inaccurate information of my credit report has been filed. With my last complaint I gave Equifax 14 days to respond and they ignored that request. Equifax has been subpoenaed as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really Try reaching out to the company and the credit bureaus to help me with this situation and I had no luck.
Product: Student loan

In early XX/XX/XXXX, my payment amount on XXXX was added for the XX/XX/XXXX loan payment re-start. This payment amount was incorrect -- it should have been the same payment I was making prior to the payment pause but instead was double what I had been paying. I had not recertified my income so there's no reason it should have changed. 

I took the advice of the Mohela website and waited to see if they would update my payment amount when they sent a billing statement and this never happened. I called to inquire on XX/XX/XXXX and after waiting XXXX hours for a call back, the Mohela representative had no idea why Mohela had my payment listed as twice the amount it should have been. The customer service representative suggested I recalculate my XXXX payment amount, which I did on the phone. She said it would take XXXX business days to process. It has now been XXXX business days and it has still not been processed. 

I received a billing statement on XX/XX/XXXX for the incorrect amount. The billing statement listed a payment due date of XX/XX/XXXX and was backdated to XX/XX/XXXX ( billing statements are required to be provided XXXX weeks ahead of the payment date -- Mohela did not do this and inaccurately backdated my billing statement ). 

Around XX/XX/XXXX my payment amount was updated on Mohela.com to a lower amount, but my billing statement was not updated to reflect this. I attempted to pay the amount due on XX/XX/XXXX so my payment would not be delinquent, but when I tried to pay it the payment not applying the amount due across all loans and instead just to some of the loans which would prevent the payment from applying to my PSLF count. 

On XX/XX/XXXX, I tried to call Mohela to discuss. I have been on hold for XXXX hours so far and not been able to talk to customer service. 

Additionally, I submitted an updated XXXX certification form at the beginning of XXXX. It has been a month and my payment counts have not been updated. 

This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. XX/XX/2022 contacted PENN CREDIT CORP about account showing incorrect information. Unwilling to help resolve the issue.
Product: Student loan

I have my loans through Navient. I've been paying student loans for many many years ( I graduated from XXXX in 1999 ). I remember my loans were need-based, and they changed hands many times. I think they began as federal loans then went to XXXX XXXX and now Navient. I can't remember exactly because it was so long ago! Anyway, when it came out in the news that Biden had plans to " forgive them, '' I was excited, as I still have over {$4000.00} left to pay. I was always an A-student, graduating with a GPA of over 3.9, so it seems strange to still have such a debt from a school in my home state! Anyway, I had tried to contact Navient to ask if my loans were eligible for forgiveness and the pause. They are categorized as FFELP loans. I was on hold for a very long time. Finally I got somebody who made it sound like mine would be forgiven because they are federal, and they said they would give me the pause. I hung up from that conversation with high hopes. I assumed that the forbearance I was offered was what Biden was talking about, a pause until the end of XXXX, by which point eligible loans would be forgiven ( I had filled out a federal application for forgiveness and it was approved- but this doesn't necessarily mean I am eligible ). 

Later I would get an email from Navient with my next bill for the following month! I had already paid in XXXX for my XXXX due date, and now I had a bill for XXXX! I tried calling them but couldn't get through. That's when I began to email them from their website. The response I got didn't make sense. It insisted I did have a forbearance and ignored my points about the bill dates. I went back and forth a couple of times to no avail. Long story short, I ended up paying for each month through now ( once I paid a double bill because I was waiting to get this resolved, but it wasn't ). So there was no real forbearance! 

I am concerned that because my loans are through Navient, they won't be forgiven. I had read something about " Direct Consolidation '' but that was confusing ( even the term " consolidation '' threw me off- I only have one loan so how can you consolidate one thing- it doesn't fit the definition of the word ) and I wasn't in the country at the time, and trying to get through to Navient isn't straight-forward. I found out there was a deadline for that, and I missed it because of communication problems with Navient, plus originally they had made it sound like I was all set. It's not fair if I missed the Direct Consolidation deadline due to this confusion- I don't know why there had to be such a short deadline in this mixed up period of time. 

So I continue to pay my monthly bills as usual... I am very concerned I'm going to miss out on forgiveness even though I am the perfect candidate for it!
Product: Debt collection

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
Product: Credit card or prepaid card

I've contacted them so many times!! I did not ask to have my card closed!! They reported it to the credit bureau and I can't use my card!! I need them to reopen it! My credit score has gone down because of this!!
Product: Debt collection

Discover has sent me a bill of XXXX as a charge off that some collection company bought from them and is saying that I owe them. I have asked for the original contract with my signature, proof that I signed for them to collect a debt that I have no knowledge of and I have not yet received any information from the collection agency. So I'm asking for this account to be removed from my credit report and updated. 
Dates : XX/XX/year> to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a due date of XX/XX/XXXX to pay monthly payment of {$270.00} to Discover for my credit. On Friday XX/XX/XXXX, I contacted discover to let them know that on Saturday XX/XX/XXXX, my wife and I opened a new checking account and to let them know I would submit the payment asap before XX/XX/XXXX to ensure that they wouldn't report me for being late. XX/XX/XXXX, I added my new checking account information to which I was successfully able to add and make the total payment of {$270.00} including the bonus cash I received from Discover. Monday XX/XX/XXXX, discover sent me an email stating that they received the payment. Thursday XX/XX/XXXX, I received another email stating that there was an error and that the payment was returned due to my financial institution listed it as a invalid account. I then had to transfer money to a different account to make a separate payment on Friday XX/XX/XXXX which is now a few days after the due date and 5 days after my initial payment on Sunday XX/XX/XXXX. I spoke with my financial institution XXXX XXXX  earlier today XX/XX/XXXX and they confirmed where the payment was confirmed and if Discover processed everything correctly on that Monday, XX/XX/XXXX than everything would've been processed in time therefore the payment being correctly processed and not having to take a huge credit hit for a something I had no control over. XX/XX/XXXX, I also contacted discover as well to find out that they blocked the original account information that I originally entered and now I'm having to mail in a check for them to verify the account information that I originally entered with the initial payment made on Sunday XX/XX/XXXX. I did everything on my part to ensure that I made my payment ahead of time and I find myself in a situation where I'm being put at fault for something I didn't do.
Product: Student loan

First of all my name is XXXX XXXX not XXXX XXXX XXXX as all the bills refer to regarding my student loan. I attended XXXX XXXX College back in XXXX and I already paid off one loan and now I am told I have a Federal Perkins Loan in default. I had resolved this issue with a company that represents this school but I was forced to pay {$70.00} for 9 consecutive months and once I did that I was being charged {$40.00} a month. Unfortunately, I was unable to pay and the agency was unable to help me, which I thought was odd. I was not able to pay and my loan went to default. I believe I might have been dealing with a scammer company because all of a sudden I get notices from another loan servicing representing this same school and charging me over {$6000.00} when the loan is only for {$3000.00}. I never heard back from the other loan servicing company who was taking my money every month. I called the school directly and they tell me to contact the loan servicer. I refuse to pay anything to this company who sends me bill notices with PO Box addresses and misspelled words and just seems fraudulent. I am now in default and I don't know why if I have been attending school more than half time. Please help me. The First company I dealt with was call Reliant Capital Solutions but we dealt with over the phone and emails ... I never received any bill from them directly. This new company is XXXX XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violated the consumer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive. As they did not comply with with error resolution requirements under the XXXX XXXX and regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations.