23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was misinformed by what a forbearance was. I was told that if I wear to do this that I would not have to pay anything and that I would not have any interest placed on my account while I was in forbearance. They asked if had received any government help and if I did to send them a copy of whatever assistance I get that they could wave certain fees and keep my loan amount at what it was. I sent all the information they needed. When I called back to verify that they have received all the information one agent told me that they did receive it and it was processing. A week later I received an email saying that interest on my billing was still accurring and that I needed to pay something. So, I called back and was told that Everything that I had spoken to the previous agents were not true and whether I was in school or not that the interest will remain and it will continue to grow no matter what and no one has control over the interest. So, life happened and I had to stop going to school. I then tried to enroll again and was told I needed to pay at least 5 dollars a month before I could get into good standards with the loan through Navient again. I did that. I was told as long as I was enrolled in school I could pay at my leisure on my student loans because I went through the program to get back on track. I was never told that interest would still be rolling and that I had to pay each month or a particular amount each month. I was told that charges would start after 1 year of graduation or one year after I stopped that has yet to happen charges are still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX  XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX
Product: Payday loan, title loan, or personal loan

SOFI advertised a {$500.00} bonus for loans funded by XX/XX/XXXX. I applied for and was approved and my loan was funded on XX/XX/XXXX. I called SOFI after a month and I was told I needed to submit a XXXX, and that was the only information missing to get the bonus. I submitted the form, and got no deposit of the XXXX. I called SOFI again in XXXX, a ticket was submitted, I followed-up on the ticket and I was told {$500.00} will be deposited on XX/XX/XXXX. I called on XXXX and I was told the ticket for my {$500.00} claim got denied due to this being a new loan account promotion. This is my 1st and only personal loan with SOFI, of which I should be eligible. I was told by 2 previous reps that I would have received the deposit. I received no email from SOFI regarding this denial. If this is a means to lure individuals into opening new account, I see it as a deception, and not a good practice. I need the {$500.00} deposited into my money account as specified by SOFI in their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent name change, I promptly changed my name with my creditors ( banks, credit card companies, etc. ). As a result, my new name has been reported to all major credit bureaus. While the other credit bureaus handled this new information smoothly, Experian messed up my credit file. Specifically, my Experian credit file was split up by mistake into two separate files, one under my former name, and the other under my current name, even though both share the same SSN. This split-up led to the loss of my credit history with Experian ; the new credit file that Experian mistakenly created for my new name only contains 5 of my accounts, even though I should have about 45 accounts. 

I called Experian customer service several times on XX/XX/XXXX XX/XX/2019 to request them to recombine my two split-up files so that the missing credit history could be recovered. However, Experian customer service refused to do so, and they insisted naively that I need to do a name change with Experian by submitting my proof of name change. 

Experian customer service agents failed to comprehend the situation. There is no need for any name to be changed. I have already submitted my proof of name change to my creditors. My new name has been reported to Experian directly from my creditors with the exact same SSN, home address and account numbers. Experian has already known both my old name and new name, and both names are listed under the same SSN and reported under the same address ( I have not moved in at least three years ). The root cause of this issue is that Experian 's buggy computer system mistakenly created a new credit file for my new name instead of adding my new name to my existing file. What they need to do is simply to combine my two separate credit files ( under the same SSN ) back into a single file, as I have requested them to do repeatedly over the phone. ( By the way, upon checking my credit report from XXXX, I found that XXXX correctly added my new name to my exiting file without causing any problem, using the same information received from my creditors. ) In fact, even their own website says that after changing your name, " All you have to do is have your lenders change the name on your existing accounts. Your new name will be updated automatically when the account information is next reported, usually at the end of the billing cycle. '' Link : https : //www.experian.comXXXX
Product: Credit reporting

I tried to submit a complaint through Equifax for hard inquiries on my account and answered all there questions and was told that my personal information was incorrect and that I need to fax them my drivers license. I 'm a little uncomfortable doing that seeing as my personal information on there end is incorrect. How do I go about fixing this and why is XXXX running my credit when that account is setup through email and does not have my social security number attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request to XXXX, XXXX, and I can not submit a dispute with Transunion ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with Transunion, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX TRANSUNION AND XXXX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT. 
I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Product: Student loan

From XXXX I attended XXXX XXXX , formerly known as XXXXXXXX XXXX XXXXXXXX , and XXXX. During the recruitment process I explained to the recruiter my plans and goals. I wanted to enroll into the XXXX XXXX XXXX XXXX XXXX. I explained to the recruiter my student loan financial debt I had already consumed from when my parents sent me out of state at the young age of XXXX XXXX XXXX. I explained my parents had already burdened me with a financial set back totaling over {$50000.00} worth of student loans, not including private loans. I voiced to the recruiter the emotional, mental, and financial damage I was already burden with at the age of XXXXI voiced that I had little knowledge how student loans work while in school and when repayment starts. I was reassured I would have access to that information. The recruiter started my process and assured me I would be able to jump right into the program due to the already accumulated classes and meeting program pre requisitions. The financial cost will be affordable because I wouldn't require many classes and I could get fees waved. After speaking to enrollment, I voiced the same concerns I had with the recruiter. I was assured this program would be cost effective. I was still eligible the option for federal loans that would cover the program but I did not have any PELL GRANTS available. Graduated in XXXX, I shortly realized I was frauded and not fully disclosed imperative information. I accumulated an estimate of {$34000.00} worth of federal loans. I also discovered two PELL GRANTS were dispersed in the total amount of {$4900.00}, after advised I did not qualify for any. There are also federal loan dispersed to XXXX in XXXX. These were fraudulently taken. XXXX closed the college in XXXX due to financial mismanagement. A settlement was granted and student loans were discharged under XXXX XXXX XXXX. After discovering this information I filed the XXXX for my federal loans. I have also placed a report to the FTC regarding the college 's deceitful and untruth information regarding the college. Both the recruiter and enrollment intentionally withhold information regarding the financial obligations. Recently, the college has placed a collection for a loan, that I have no recollection of, in the amount of {$16.00}, XXXX I have asked numerous times for the original loan documents, financial statements, and disbursement financial documents. I have asked the collection agency for this information as well and nothing has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent an alert on XX/XX/21 indicating that an account with XXXX XXXX  was potentially negative. I was told by a XXXXExperian representative that the account is being reported as an open account and the account was closed with no balance. the information being reported is not accurate. there is also an account with XXXX  XXXX XXXX XXXX that is being reported as an open account through experianXXXX XXXXnd the account was closed years ago and has a XXXX balance ; it was paid in full. also, i have never had an account with XXXX XXXX in XXXX, XXXX  XXXX ; i was provided a letter from the bank indicating that no such account ever existed and that it would be removed and this was provided to the credit bureaus and it is still sitting on my credit report as an account that belong to me and it never has. the XXXX XXXX  account was paid n full and that is not reflecting accurate information. also, the balance on the XXXX/XXXX  account is incorrect ; it is being reported incorrectly and i was told that XXXX no longer has the account so the creditor information is not correct. the balance was a lot less than what is being reported by experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car dealership ran my credit for a car loan several times on XX/XX/XXXX to 9 different creditors. Now Credit reporting agency are reporting a high inquires when its only supposed to be reporting as one since the credit was ran within a 30 day period. I also ran my credit on XX/XX/XXXX for a car loan too
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some unauthorized inquiries. I have attached my FTC report to this complaint to prevent further stall tactics from Equifax
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert through XXXXXXXX XXXX and Experian that my credit was ran for a credit card application through XXXXXXXX XXXX. I went through the process of reporting this as fraud as I did NOT apply for a credit card. XXXX was able to connect me with XXXX where they closed the application and marked it as fraud. XXXX also put a hold on my credit report for 1 year so anytime I ( or someone ) attempted to open any line of credit or take out a loan, the bank would have to notify me to confirm this. 

On XX/XX/year>, I received another alert through XXXX XXXX and Experian that my credit was ran again for another credit card application through XXXXXXXX XXXX. Once again, I ran through the steps to mark that application as fraud and this time I placed a freeze on my credit report through Experian. I worked with XXXX to close the application at XXXX and they marked it as fraud.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I contacted Citibank via telephone. I informed them that my wife is responsible for all transactions on her account, just like I am responsible for my credit cards. Just because money was transferred from her credit card to a joint account that my wife and I have does not automatically make me responsible for her transaction from her personal card. The representative said I should complete the form that was sent that would make me responsible for her account. I disagree.
Product: Debt collection

I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I made a payment on XX/XX/XXXX through Capital One Auto Finance automated service for the amount of my monthly car loan payment. I received an email on XX/XX/XXXX stating my payment was past due, I thought they had not received it yet. I received a call from Capital One Auto Finance on XX/XX/XXXX, that I needed to make a payment, my loan was past due. I returned their call and stated to them that I made a payment on XX/XX/XXXX, I also looked up my bank statements, and the payment for Capital One Auto Finance cleared my bank on XX/XX/XXXX. I proceeded to give them the confirmation number for that call, and they could not find it, nor the payment. They told me on XX/XX/XXXX that I needed to faxed them a bank statement, that the payment cleared through my bank. I did that. They called again on XX/XX/XXXX claiming they did not get a payment for XXXX, I told them I faxed over paperwork on XXXX XXXX the XX/XX/XXXX they called, they then claim because I did not send 30 days of bank statement, only the one that has their name on it, that they could not except that. I have read my contract, even talk to the loan officer at the car company, there is no documentation stating that I have to send 30 days worth of bank statements. She stated to me that if I did not send them 30 days of statements, that I was prolonging the situation, which I took as a threat. I called my bank, on XX/XX/XXXX, they printed of a statement with the XXXX ID number on it for the payment, they refused to take it over the phone. I had to fax them again on XX/XX/XXXX. I also have received an email on XX/XX/XXXX about my payment being late. My payment is almost a month behind, and they want to add late fees. I have received several emails as well. All and all, they lost my payment, giving me a hard time about it. They don't even try to do anything over the phone with the information I have provided. They are rude and disrespectful. I am doing all the work for their mistake.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX XXXX are reporting late payments on the account listed as XXXX  XXXX  Account # XXXX these late payments are affecting my credit score and they have not been validated as accurate and credit card payments can not be treated as late payments. TransUnion is reporting late payments XX/XX/XXXX and XX/XX/XXXX. XXXX lists late payments XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX these payments do not match up so this account has not been validated. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Credit reporting or other personal consumer reports

This is my follow-up regarding the unauthorized credit inquiries that still appear on my personal credit report. Despite my previous efforts to contact the companies involved and request the removal of these inquiries from my credit profile, they remain unresolved. I had also asked you to initiate an investigation into the inquiries listed below to determine who authorized them. As your investigation confirmed my allegations, I request that these inquiries be removed immediately : XXXX : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

I have sent in a different complaint explaining in greater detail however forgot to add this important page of information. This company XXXX when it bought out my loan form XXXX Mortgage was to honor the terms that had already been set forth and they have not. I was lied to by XXXX. 

I had bee told that My remaining XXXX payment ( I brought myself out of forbearance XXXX months earlier than needed to ) would be added to the end, the letter states that the partial claim has been approved and gives the payment amount of {$1200.00}. 

As I stated in my other letter I have not been able to make the payment until today when I had to pay {$1300.00} in order for XXXX to accept a payment on my account. moving forward even thought the notarized documents all are for the amount of {$1200.00} they insist upon {$1300.00}. I had a complain in my previous letter to you that I am locked out of my account and now today am told I will continue to be locked out until the next XXXX payment of {$1300.00} are paid, and then XXXX mortgage modification team will reevaluate whether or not to accept my deferent to payment the XXXX payments at the end of my loan or demand the entire amount past due all at once or foreclose on my home. I am attaching the letter sent to me that states at the bottom this means the original loas is brought current. So I ask why is it I stoll can not be allow to see my account and if I can not make those other XXXX payments until XX/XX/XXXX and XX/XX/XXXX, then I can not see my account online until then or if not longer than than. This company really needs looking into.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I corresponded with XXXX XXXX requesting that they provide verification, validation and accuracy of the account # XXXX which they where reporting on my consumer report via XXXX and EXPERIAN. See : Letter I submitted this letter certified mail. XXXX failed to respond or sign and return the signature card. See : Certificate Receipt. 

I also, requested that XXXX reinvestigate the aforementioned account due to its failure to report complete, accurate and factual information. They failed to throughly provide a investigation as well. 

In light of the above, my constitutional and FDCR rights has been violated. 

1. 15 US Code section 1692 ( a ) 2. 15 U.S. Code section 1681 ( a ) 3. 15 US Code section 1681e ( b ) 4. FDCPA section 807.

5. FDCRA section 808 6. FDCRA section 809 Clearly, this account reflects deception and misleading information against the law. There is no indication of a late payment on TransUnion to validate a Charge off.

However, Transition still penalized my FICO score monthly behind this deceptive tactic. Experian details that this isn't reflecting maximum accuracy by showing that the account took over two ( 2 ) years to reflect a charge off. This is illegal and against IRS rules for financial institutions. See : Credit report. 

Moreso, this demonstrates that XXXX and Experian is in collusion with XXXX XXXX to criminally break the law by failing to accurately report information to the IRS. 


In short, XXXX XXXX failed to verify this account therefore, this misleading and inaccurate account MUST be deleted immediately. 


Thank you in advance.