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

on X/X/17 or so I sent a XXXX request to Trans Union requesting to verify Bankruptcy and XXXX XXXX XXXX XXXX student loans required under Section 609 by certified mail. On or about X/X/17 I sent a XXXX request and no proof of these items belonging to me was sent. On or about XXXX XXXX Trans Union deleted the Student loans and then in XXXX XXXX put them back on my credit Report. On XXXX XXXX XXXX by certified mail I requested for Method of Verification for BK of 1. Name of the Court, 2. The person who verified 3. The Address 4. The Telephone number 5. The documentation used to verify the dispute. I have never received a consumer contract with my signature I only receive a credit report saying results verified as accurate from BK court house in XXXX Maryland. On XXXX XXXX XXXX I wrote the Maryland Federal Court in XXXX with a Affidavit of correction and ask for there process of such reporting and sent a return envelope. There responds was they do not report such information to Credit Reporting Agency. After that I sent a certified letter with a copy of the Court reply to Trans Union requesting them to delete the information! I have filed and sent a FTC Identity Theft report and along with a police report with all pages and they have ignore those documents. I have never filed Bankruptcy never apply for any kind of student loans.
Product: Credit reporting

There is a Public Record of a Judgment a little over {$1200.00}. I had the law firm send me documentation that it was paid. They will not send it to the credit reporting agency, because they say they did n't place the filing. But they are the ones who filed the documents. They said it has to come from the original creditor. But I called the Court and they said it was the law firm. But the law firm will not remove the derogatory credit filing.
Product: Student loan

My account is current listed as being delinquent despite the fact that I have continued to make payments, even in excess of the minimum amount due. For some reason, for the the pa st three months my payments have been misapplied to loans that were consolidated years ago. I 've contact FedLoan four times by both phone and e-mail over the last three weeks and this still has n't been fixed. I honestly do n't know what to do, despite paying on-ti me and in excess of the minimum payment I 'm still delinquent and ca n't get anyone to help me.
Product: Student loan

I received a collection notice in the mail and it was the very first time that I ever heard about this debt. I do not believe that I owe this debt. I spoke to XXXX XXXX XXXX XXXX XXXX department twice, receiving collecting information. I am being told this is for a XXXX XXXX that was deducted from a semester that was not the semester I was enrolled in. I have been directed to the XXXX XXXX XXXX, they were not able to help me and did not see a balance on my account. I was then directed to the XXXX XXXX XXXX office, and they were not able to help me and showed no balance on my account. XXXX XXXX XXXX acknowledged that they never sent notice to me of this debt before they sent it to collections. Why are XXXX grants being billed for anyways? I have never taken a loan out, this is for XXXX grants. XXXX XXXX XXXX said it is out of their hands and there is nothing they can do to help me. I am at a loss! I called the collection agency and they agreed to " pause '' the account for now. I have no idea how long they will pause it. I am being charged {$1000.00} and have no idea why! I was sent to collection and was never notified prior to this. Please advise. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
Product: Prepaid card

RE : Need help I need my monies back. all my check has been wiped out. 
XXXXI called to stop some pending transactions. on XXXX  The rep on direct express transferredme to a fraud person on the phone. direct express did stop one transaction. But the rest of the charges went thru {$1200.00} my complete XXXX XXXX check is gone. I did answer all there questions and they sent me a letter with the same questions, I sent back to direct express the letter and still No provisional credit is sent to meNo monies yet very tuff for rent, food, water etc. How do I live with 30-90 wait time for there investigation? team to review These transactions on my card are not pin approved some howmy card number are being used? I read online that alot of people like me are getting the run aroundand alot of there monies are being scammed thru this direct express card. 
Please Help XXXX XXXX
Product: Bank account or service

My husband XXXX and I are victims of debit card fraud on XX/XX/XXXX where the individual used an ATM to pull out over {$1100.00} from our checking and savings account. We filed a police report and submitted a fraud claim with our bank. It was denied and we were told we can turn in an appeal with supporting documents like police reports, our time cards from work and distance the ATM used in Oregon is from us. We submitted the police reports from XXXX and XXXX, where the crime took place, along with the police report from XXXX, where we live. The XXXX police were able to get a photograph of the thief but have been unable to find him. In the police report it says that he used several debit cards and got away with over {$3000.00}. I was working both times the fraudulent charges took place and sent that with our appeal. The first day my husband got off work at XXXX in XXXX and the transactions took place XXXX hours away in XXXX, XXXX at XXXX making it impossible to be him along with the video surveillance proving that it was n't my husband using the debit card. The second day the criminal used an ATM in XXXX, XXXX at around XXXX while my husband used his debit card in XXXX XXXX at XXXX at around XXXX. Our appeal very clearly proved that these were fraudulent charges but was denied because it was " suspicious '' and because they said it was a now a public crime because the police were involved when we were told to contact the police by our bank. Navy Federal Credit Union is refusing to credit our account with the amount that was stolen from us.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. please remove this account from my report, this is hurting my ability to obtain credit.
Product: Checking or savings account

This complaint is to request restitution for overdraft fees falsely assessed by Navy Federal Credit Union ( NFCU ) during XXXX. I have been a member of NFCU since XXXX. I recently closed my checking accounts in XXXX due to frustration with fraudulent and deceitful tactics. I still have open lines of credit and Savings Accounts with NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Hard Inquires not authorized by me : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX via XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22
Product: Credit reporting or other personal consumer reports

I pull my credit report and see were Equifax report a XXXX days late and my sunrise banks c/o self financial inc.account XXXX this account never late XXXXI send a dispute letter to Equifax, asking for Equifax to investigate invalid report, and remove the XXXX late, and update my credit report account with positive payments, which Equifax failed to do under the fair credit Act.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt Bondage, which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( B ) - ( 5 ) -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries as follows : XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST CREDITORS AS A PART OF MY IDENTITY THEFT PACKET FILED IN XXXX. I FILED REPORTS IN THE PAST BECAUSE I HAVE HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST XXXX YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T EVEN HAVE MY CORRECT INFORMATION. I WOULD LIKE FOR THESE COMPANIES TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING INACCURATE ACCOUNTS. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY! 

RECEIVABLE SOLUTIONS LLC has multiple accounts
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my report and I noticed that there was some fraud accounts listed on my report I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. An FTC report was filed. 

XXXX - Account XXXX # XXXX XXXX. XXXX - Account XXXX # XXXX XXXX. XXXX - Account XXXX # XXXX XXXX. XXXX - Account XXXX # XXXX XXXX. XXXX XXXX XXXX - Account XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX # XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX # XXXX
Product: Mortgage

I wrote to my mortgage company ( Nationstar Mortgage ) on XXXX XXXX, 2015 asking them how they determined that I needed to pay {$120000.00} to bring my mortgage loan current as I was allegedly in default. I also asked for the name of the entity which holds the note on my mortgage. In response I was sent a copy of something called a " previous servicer history '' and " Nationstar Mortgage history ''. Neither of these documents tells me how Nationstar arrived at the {$120000.00} amount demanded in its letter to me. In fact, the {$120000.00} figure appears nowhere in either of the histories. Furthermore, Nationstar 's letter only tells me who the " investor '' is for my loan. I did n't ask for the name of the investor but for the entity that held my mortgage note.
Product: Payday loan

I went on line for a Payday loan Castle Payday. They advertised that it would cost {$200.00} to borrow {$600.00} a total of {$800.00}. I paid them a total of {$840.00} within 2 months. They sent me a email that they were going to take out another {$210.00}. I called them and they said that those payments ( XXXX ) were for interest only. That I still owed them {$800.00}. That is CRAZY!!! Please help me, I do n't know what to do, I cant sleep I am so worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

I was awarded XXXX XXXX with Department of Education over a year ago. All of my loans were moved over to XXXX  for that process, with the exception of a Sallie Mae personal loan. I contacted Navient who told me because it was a personal loan -- with a co-signer, it was not eligible for XXXX XXXX. I contacted Sallie Mae to see about getting this loan forgiven and they advised they have no control because they gave all federal loans to Navient, and would not have any record of it.

Then, I obtained a copy of my original promissory note with Sallie Mae ( from Navient ), which states I can pay {$50.00} a month if that is my only option and advised Navient in writing of this. However, Navient has continued to call me, charge me fees, and add negative additions to my credit reports.

If this loan has been sold to Navient as a federal loan, then shouldn't it be treated as a federal loan and discharged at the time of the Department of Education 's approval? Can you find out why this loan hasn't been discharged? If there is no other option, why can't I pay {$50.00}. per month as my original promissory note states without negative results from Navient?
Product: Payday loan, title loan, or personal loan

When I received a payoff amount from GoodLeap for my account ( account # XXXX ) I paid the total amount due by the due date, then GoodLeap came back and said I owed another {$42.00}. When I called GoodLeap they stated they forgot to put the {$42.00} in the payoff amount ( some sort of fee ). I asked to speak to a manager on XX/XX/2023 and XXXX ( the manager ) agreed with me that I should not have to pay an additional amount after I already paid the payoff amount and that he would get back to me- XXXX never got back to me. I called on XX/XX/2023 and filed a formal complaint with a different manager XXXX. I have called multiple times since then requesting an update and keep being told that they are working on it and that someone would get back to me. Today ( XX/XX/2023 ) GoodLeap sent me another bill for the {$42.00} via email. 
No one from GoodLeap ever got back to and it has now been over a month. 
I believe that it is EXTREMELY unfair for a financial institution to give someone a payoff amount, then request more money. 
Thank you for your help, XXXX XXXX XXXX XXXX
Product: Student loan

I have parent plus loans. I have worked out payment arrangements with Navient and XXXX. Navient has all my current information but people I know have been receiving letters asking for my address, telephone number and employer information. The letters claim I used them as references when I did not. I contacted Navient about this but they can not explain why these letters were sent. As a result, I asked them only to contact me by mail. They call me day and night, practically every day when I have already made payment arrangements. I want the harassment to stop. I make the arranged payments on time each month. I do n't know what else to do. It 's an abuse to contact people I know about my debt when the company has my information. What is the motivation for this? Embarrassment? I always call Navient when requested. From now on, I only what to be contacted by mail. I told this to Navient but I do not expect this to happen.
Product: Credit reporting

There is an account that is listed on my credit report for XXXX, that shows up as a derogatory account. This account was closed more than 8 1/2 years ago, and all of the credit reporting agencies still have it listed, and refuse to take it off. All it says on the report now is " Dispoute resolved, customer disagrees '' but I do not consider the complaint resolved
Product: Credit reporting or other personal consumer reports

I have been making payments to EasyPay since XX/XX/XXXX and my account and payments are not reflecting on my credit reports with XXXX, XXXX or XXXX. I have emailed and spoken to EasyPay many times and they have told me to contact the credit reporting agencies to handle this issue. I've submitted a formal letter with disputes to all three credit reporting agencies, and copied EasyPay. XXXX recently sent me a letter dated XX/XX/XXXX stating that the account is not reflecting on my most recent credit report. It would help to have this account reported to the three major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX XXXX days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Student loan

I am asking for help. I took out Federal loans back in the XXXX 's so I could go to college. I had to given my Dad at the time was in a XXXX Home because of XXXX XXXX. Fast forward, in those days, I took out the XXXX that I could in student loans to get through 4 years of college. I regret that now. Fast forward again, once I got out of school all I could get for work was a basic customer service job with a bank. The monthly student loan payments around that time in the late XXXX 's were too much for me so I called XXXX ( servicer at that time ) for help. They offered the forbearance program which was so easy to enter into. There lies the problem. A basic customer service representative at that time who knew nothing about finances and explained nothing about repercussions for continuous forebearance over a number of years, with a simple click of a button, changed my financial situation forever. Fast forward again, as a young adult out of college I continued to barely make ends meat as a customer service rep. Over the course of 6 years as a basic customer service rep., not knowing the true long term consequences of a long term forebearance plan, my principal student loan balance blew up from $ XXXX to over $ XXXX. That was back in XXXX or XXXX. Ever since, I've been trying to keep up with the payments but for many many years all my monthly payments have done is pay off the accrued interest each month. My loans were moved over to Navient back in XXXX and they operate the same as XXXX. There is little or no understanding of my situation by them. All they offer are income based repayment plans at this point and that offers very little relief because all my monthly payment is doing is paying the accured interest each month. My monthly minimum payment based upon my income the last 2 years or so has been around {$450.00} and again all that payment is does is pretty much pay the loan accrued interest each month. I am crying out for help! I have paid XXXX and Navient thousands and thousands of dollars over the years in trying to keep up with student loan payments and it seems that all Navient wants to do is bury me financially. I still can't believe that it's been almost 25 years since I graduated college and my student balance is pretty close to the student balance I had back in XXXX after my forebearance period ended! How these student loan service providers aren't legally required to cap accrued interest on student loans at some point is absolutely mind boggling! I am now XXXX XXXX XXXX with a XXXX XXXX XXXX son and still making student loan payments that just cover my monthly accrued interest. I don't want to be a grandfather still making student loan payments in my XXXX 's or XXXX 's. Again, I have paid back thousands and thousands of dollars over the last 25 years. Navient will not listen and I am putting in a formal complaint that their business practices are corrupt.Please help!
Product: Credit card or prepaid card

XXXX   XXXX   My wallet was stole with my driver license social security card and other items now I 'm being sent a bill for {$600.00} for   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   that I did n't open also a Kohls credit card with {$400.00}.