23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had three XXXX school student loans serviced by Navient. I have paid off all of those three loans in full. However Navient refuses to say that these loans are gone, and in fact just this morning sent me a notice saying my payments were set to increase! ( Even though my principal is {$0.00} ). 

I called Navient numerous times to ask when they would " process '' the fact that I've paid them all the money I owed. They initially said this takes 7 business days. Then they said it would take 30 business days. This is disconcerting because the first Navient loan I ever paid off was processed instantly as " paid in full. '' However the two loans I paid off in the last two months are still shown on the website and in new documents I'm receiving regarding payment increases as active loans. 

I've asked to speak to a Navient supervisor about this issue but the first-line customer service support says that is not possible. Given the recent publicity about other problems Navient has had servicing student loans, I am becoming increasingly suspicious that their intent is to not accept my payments in full, but rather keep me chained to the indentured servitude of student debt in any way they can.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - account # XXXX Experian Payment history guide states I was 60 days late on both XXXX and XXXX of XXXX  how can you be late e 60 days twice in a row? Ive already demanded an investigation on this account because its not complete or accurate. 
XXXX XXXX XXXX XXXX account # XXXX Experian payment history guide states I was 30 days past due on XX/XX/year> but the payment history shows that I was actually current XX/XX/year>. In addition the payment history guide also states I was 60 days late XXXX of XXXX  when in fact the payment history shows that I was only 30 days late. I dont know why there are discrepancy but Ive already notified both parties that the information being reported is not accurate or true. So I demand they be removed from my report. 
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

Transunion should not be reporting me as an authorized user on the XXXX XXXXXXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

Someone hacked my fifth third credit card through XXXX as I had my card attached to that account for purchases. They were able to change the address and name to theirs and have the merchandise sent to their home address. As soon as I saw the charge, I called fifth third Bank cancel the credit card, and speed the charges. I just received a statement from fifth third bank that states that I am responsible for the charge and they have now charged my credit card back with the purchase amount. I did not make the purchase or the charge. The credit card information that I am submitting is the old credit card that has been discontinued. Fifth third bank charged my replacement card, which information is not included on this form, with the charges from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  DETERMINED I WAS LATE ON STUDENT LOANS IN XX/XX/2020. I'VE PAID XXXX  FOR OVER 10 YEARS ON TIME WITH AUTO MATIC DRAFT FROM MY ACCOUNT WHICH HOLDS OVER $ 30K. I DID NOT RECIEVE ANY NOTIFICATIONS ABOUT DELIQUENCY FROM XXXX  PRIOR TO HITTING MY CREDIT.

HAPPY TO PROVIDE PROOF. 

XXXX Summary as of XXXX Beginning balance Deposits and other additions Checks and other deductions Ending balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX XXXXXXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I was made a purchase at HOMEDEPOT several months ago. The Cashier suggested that I place this charge on my HomeDepot Credit Card. I explained to her that I did not have the card with me. The Cashier said that she could look up the account. So, she did and I completed the Transaction. I pay all my bills with BILL PAY. When it came to my attention that I over looked paying my Home Depot account ( Now Past Due ). When I discovered I was past due, I contacted HomeDepot and explained to the customer service agent that I honestly over looked the Payment. The Agent indicated not a Problem. I made the Payment and the Home Depot Agent removed the Late Charge.

At no time did the Agent advise me that HomeDepot reported my Account 30 Days Late to the Credit Bureaus. I did not find out about this derogatory remark on my Credit Report until I applied for a Mortgage Loan to refinance my home. I immediately contacted Home Depot to requested that the Derogatory Remark be removed. The Agent I spoke with said that I had to send a written request along with a copy of my credit report. So, I did as I was asked and mailed the requested information to Home Depot. I spoke with a Home Depot Agent Thursday XXXX to follow up on my request. I was told my Request was Denied. No further explanation. 

I have a CLEAN Credit Report. This 30-Day Derogatory Mark on my Credit Report is keeping me from Refinancing my home and car. I am attempting to consolidate my monthly cash out flow due to the hard times we are facing as a Country due to the Corona Virus. I have had my Home Depot Credit Card for 6+ Years, and I have never had any problems. In fact, my credit limit is XXXX. 

In closing, I have been under extreme stress not knowing what is going to happen with our Economy. I have XXXX  sons that I worry about. My Older Son is XXXX, which puts him at XXXX XXXX!! I have been under extreme stress, with the passing of my father in XXXX and my mother passing in XX/XX/XXXX after a long battle with XXXX XXXX XXXX and XXXX XXXX. I made a Mistake!! A One Time Mistake with an account that I have had over 6+ Years. I ask the Creditor for help, and the Creditor Turns their Back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct XXXX this account was opened in XXXX  but shows up on my credit report as balance updated XX/XX/XXXX XXXX this account should be shown as closed and no late payments should appear in my recent late payment status. because this account still shows late payments and it still hurts my credit now. i believe that the account is closed and no late payments should affect me now. please remove from my credit.
Product: Credit reporting or other personal consumer reports

There was an XXXX XXXX XXXX, once I found out my information was compromised I started to do research on the matter and learned how to access my credit report. I called and sent letters to the creditors that I did not recognize or give permission for these accounts to be open. I also sent in proof of identification and FTC report numerous times. This breach has affected my credit score and livelihood. I have spent countless hours trying to the bottom of this. 

Capital One Fraud Began XX/XX/XXXX Amount {$2800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to XXXX to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), XXXX is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, XXXX must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that XXXX will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Prepaid card

The card has been declined when trying to make purchases. The purchase amounts have been lower than the remaining amount by 50 %.
Product: Mortgage

non-performance of the contract. 

I was preapproved for a loan and it was sent to underwriting. Navy Federal Credit Union refinance loan that was never worked on ad fell out of compliance after 6 months, I had contacted the underwriter no less than three times asking for status and was ignored. 

Then they had me sign another document after the rates had risen, and came up with unverified excuses as to why the house was not owner-occupied after they had clearly lost documents, I have documents stating during the application what was happeing in our household having two homes due to work locations. etc. 

We had proved it was a primary residence for my husband, he works in the area, filed taxes from the house, we bank in the area. 

It was basically NFCU attempting to cover up their non-performance of the contract. 
Now I am going to have to refinance and sue for about {$150000.00} plus legal fees soley because they did not do the right thing by their customer of 30 years.
Product: Mortgage

I am trying to find out why my PMI does not go away till 2045. I contacted Freedom Mortgage on XX/XX/XXXX and was told that. I of course questioned that and was told to send an email so it was in writing. XXXX XXXX contacted me on XX/XX/XXXX and then received a letter from Freedom Mortgage dated XX/XX/XXXX saying they will provide a written response upon completion of my review.. I have heard nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized EXPERIAN credit pulls from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I called and left a voice mail message for XXXX XXXX ( " XXXX XXXX '' ) of Barclay executive office and requested for her to contact me regarding the complaint pertaining to the dispute on the account. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I also sent an email with an attachment to XXXX XXXX at XXXX. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I sent another email to XXXX XXXX, and stated, " I sent you the email below with an attachment but have not received confirmation that you received it. I also left a voice mail message on the same day that I sent this email and no response. This issue simply will not go away unless there is dialogue in resolving it. '' I never received a response. 

This lack of communication demonstrates one thing, and that is Barclay is acting in bad faith in resolving complaints and billing disputes in breach of the cardmember agreement, and in violation of the Fair Credit Billing Act, and appropriate legal action WILL be taken within the next day or so.
Product: Debt collection

The debt collector, Navient, calls my co-borrower, my elderly father, 7-9 times a day and they do not call me, the primary account holder. 

They stated on a recorded line that they would call him or I first since we are both on the account. I told them to look back at their records. He has never paid my loan ever and they need to call me and try to reach me before calling and harassing him. He is elderly and XXXX and they are taking advantage of him. They threaten him when they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute online via Experian upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.
Product: Debt collection

I have received numerous collection attempts since XX/XX/2013, of a medical bill by FBCS , Inc. that doesn't belong to me. When I asked FBCS , Inc. to validate this debt, they go silent for several years and then resend statements demanding payment for the same unvalidated medical bill. I have reached out to the original creditor ( XXXX XXXX ) listed on the statement and they can not validate this medical bill either.
Product: Debt collection

As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my credit reports in mid-XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$650.00}. It is reporting under the company Resurgent/LVNV Funding. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from of my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized XXXX XXXX Dear XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681b, a credit report can only be accessed for certain permissible purposes. I believe that the inquiry made on my credit report was not authorized by me and does not meet the permissible criteria under the law. 

Here are the details of the inquiry I am disputing : Date of Inquiry : XXXX XX/XX/year> ] Inquiring Party : [ XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize this inquiry and have not received any communication from the above-mentioned party regarding this request. I am requesting that you investigate this matter and remove the inquiry from my credit report if it is found to be impermissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off
Product: Credit card or prepaid card

On XX/XX/2022, a fraudlent transaction took place with my Wisely paycard in the amount of {$600.00}. An unknown individual withdrew that amount out of an atm while I was at work. I immediately called the Wisely paycard services and alerted them of the fraudlent transaction. For the following weeks I've had multiple attempts for more fraudlent transactions but were denied since I canceled the card. The Wisely company then sent me an email stating that no fraud occurred even though I was no where near the area where the transaction took place. I was at work all day, I had sent a written letter to dispute the resolution and reopen my case. I then sent a statement of fraud to the company and I still haven't received any type of documentation or evidence that the company used to determine it was not fraud. They have not responded or updated me with any information. They refuse to help and they refuse to send me anything that they used to determine it was not fraud. It has been over two months and still no resolution, any help would be much appreciated. I feel like Wisely does not want to help, I did everything I was suppose to do under the zero liability cardholder agreement and they refuse to honor it.