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

XXXX REPORTING FOR LAST TWO MONTHES REPORTING TO OTHER CREDIT BUREAUS WRONG BALANCE ON ONE OF CAPITAL ONE CARDE BEFORE THE CYCLE ENDS. XXXX DONOT FIX THE PROBLEM MONTH AFTER MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im am submitting this complaint on my own behalf, I am a XXXX XXXX  so I'm on the road a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.
Product: Student loan

I will try and make a long story short but basically, I have paid off my student loan in full upon graduation, and for whatever reason the loan still shows I owe money and it continues to grow interest of course each day. When I first discovered this, I tried resolving it with the parties involved and to no avail have I gotten anywhere with these people. Upon graduation in 2011 my father paid my student loan in full, he was at my apartment and asked me to call right then and get the payoff amount because he was going to write a check for the balance that day. I called and was given the payoff amount and my Dad wrote the check for that amount, I then placed the check in the mail to them. 
I have attempted phone calls, emails, faxes, and postal mail and through dealing with either no response or no return call or email reply and lousy customer service when I finally did get a reply the first one was basically yep you owe the money in question and the last reply ( which I have attached the document ) was basically telling me I owe it because of a time frame in when the check was received. Well first off, the letter stated that I requested a payoff amount via on- line well that is not true like I mentioned above I called them on the telephone my father was sitting right next to me and was writing a check for the balance that 's why he said get them on the phone right now, so I can write the check and pay it off. I would n't have asked for a payoff amount and then wait 4 or 5 months later to send them a check that 's insane. My father is a witness to all this and my father is a hard-working honest man and lives life morally right. The bottom line is I paid the amount of the loan off way early and however they chose to allocate it is their problem and or wrong doing. I would not have asked for the pay off balance if I was n't going to pay the loan off in full the day XXXX called. Obviously, they have gotten their files disorganized and their information mixed up and they need to hold themselves accountable. I guess they are upset because they couldnt gain interest on my account due to the fact I paid it off early before it could draw any interest which I am sure not many people are fortunate enough to do. They should be ashamed trying to suck what any money they can from struggling students in the world just trying to further their education and better their lives and future.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX, BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR XXXX XXXX XXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT XXXX DIRECTLY. APPARENTLY THIS XXXX XXXX LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, Experian, and XXXX. XXXX has my opening date as XX/XX/XXXX ; whereas, Experian, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Product: Mortgage

I sold a house and paid off my loan in XX/XX/XXXX. I did not receive my {$5300.00} escrow reimbursement disbursement check issued XX/XX/XXXX. I contacted Mr Cooper customer service many time to request reissue of the disbursement check. Mr Cooper acknowledges that they owe me money, and they also identified an additional escrow reimbursement check in the amount of {$230.00} from XX/XX/XXXX that was never cashed, but they will not process the request. 

Most recently... 
- XX/XX/XXXX via email to XXXX ( no response ) - XX/XX/XXXX via phone. Rep told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 

I have customer services rep names, manager names and detailed notes for each of the above contacts. The customer service reps are very pleasant, and acknowledge that they owe me the above amounts, but there is absolutely no follow up after conversations. Radio silence.
Product: Mortgage

House hit by Tornado in XX/XX/2020. Check from insurance received and forwarded to LoanCare based on mortgage rules. Some work had to be done to stabilize roof, etc immediately after event along with other work. Paid out of pocket. Sent invoices showing paid in full for reimbursement. Sent info on vendors w9 and lien waiver as requested on website. Still no reimbursement. All work stopped due to LoanCare not releasing funds. Vendor info on already received paperwork. Company states they will not do Direct deposits, send confirmation emails about recorded conversation, and supervisor will not return calls. Seems pretty shady to me. Have held funds 2 to 3 months now while I did paperwork for them Need money since house not fixed. High utilities due to damage. Hole in wall still. No laundry facilities and I am XXXX  during Covid. No kitchen so eating out or microwave food. Please get them to release funds
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward, customer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm in my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as, Experians inaction violates federal law and my rights as a customer
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been attempting to remove west lake financial services from my credit report. First date of dispute, XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX. XXXX XXXX XXXX do not report it on my credit but somehow XXXX does. When Ive disputed the account being reported on my XXXX  credit I have informed the agents assisting that it doesnt belong to me. Recently on an urgent attempt I have submitted documentation to support my argument because Im in the process of getting a mortgage. It shouldnt take more than two years to get something removed that doesnt belong to your credit. Current account balance {$16000.00}.
Product: Student loan

I enrolled in automatic payments for my student loans with Navient a year ago. 
Navient advertised 1 % interest rate reduction for enrolling. 
There was no disclaimer ( unless it was buried in fine print ) indicating that the loan source, or type, or the loan guarantor determined eligibility for the interest rate reduction. 
I spoke with someone at Navient today, and they told me that I did not receive the interest rate reduction during the period my loan was on automatic payment because the guarantor was ineligible. 
I have been unable to receive adequate assistance from Navient in this matter and with the servicing of my loans since they began repayment. 
I had assistance from U.S. Department of Education Ombudsman group in getting this set up about a year ago, and felt comfortable with my arrangement. 
I have received paperwork from Navient that requires me to complete annual re certification of my income driven repayment plan. They acknowledge the paperwork received XX/XX/XXXX, and told me it will take them until XXXX/XXXX to process the application. I should not have to go through this annual stress fest. I need reasonable repayment terms, and Navient needs to correct their errors, and their processes to prevent this consumer stressing, time-consuming bottleneck.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Debt collection

They have called from XXXX to XXXX times a a day from XXXX or more different numbers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX and list of Inquiries 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: Checking or savings account

XXXX2019-My paycheck did not show up in my account this morning. I am missing roughly 1,000 dollars. Tried contacting the bank, no help. Tried to call, phone lines were busy. The bank would not communicate with us about our paychecks. 
Also, it took about 20 minutes to get connected to the mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX XXXX XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

For the last 6 months have called 3 times a day Monday -Friday. When I do answer they fail to answer, and when they do they have incorrect info. Refuse to let me speak to an XXXX speaking manager.
Product: Money transfer, virtual currency, or money service

On XX/XX/20, I submitted an unauthorized transaction request to PayPal for transactions totaling {$1800.00}. I was given the generic message that they would investigate and I would hear back within 10 days. Much to my surprise, I received an email approximately 4 hours later telling me my claim was denied. According to PayPal, this was due to the transactions being 'consistent with [ my ] PayPal payment history ', which is not the case. I use PayPal sparingly and I haven't used it for anywhere near that amount. The most I have spent via PayPal has been approximately {$300.00} USD, ( this amount is approximate due to the purchase being in XXXX XXXX and currency exchange ), and the rest of my transactions have been under {$100.00}. I would like a refund. Dispute Case ID : XXXX.
Product: Student loan

XX/XX/2023 Navient XXXX XXXX XXXX XXXX XXXX, PA. 
XXXX To Whom XXXX XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VERIFICATION made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA. I nicely request that you provide me with competent evidence that I have any legal obligation to pay you. 

Please know that if you have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action will constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company, I will bring legal action against you for violating my rights. 

Furthermore, according to 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information ( 1 ) In general A financial Institution may not disclose nonpublic personal information to non affiliated third party unless : A : such financial Institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C : the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If you fail to respond to this validation request within 30 days days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Signed, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

called Equifax to get freeze on my credit. had an voice answering service. I could not get a person to speak to. found their online sign up for a credit freeze got all the way to the end and they said you must put in a number they would send to your email account. I lost my internet connection had to start over because number is valid for just a few minutes. tried to fill out the info again and was told I already have a account I tried to enter the account and was told I could not enter at this time. This of course is because I could not enter the number they sent in the allotted time. Now I can not freeze my credit with them. My identity has been compromised within this last week so I need this resolved
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions 15 USC 1668B A creditor may not treat a payment on a account under an open end consumers credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my XXXX XXXX Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my XXXX XXXX and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my XXXX XXXX so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was impractical. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection.
Product: Debt collection

Accounts Are inaccurate And reporting negatively on my credit report
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed a mistakes. The Experian and XXXX credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX Balance : {$4800.00}
Product: Student loan

My servicer is Nelnet which has now just sent me a bill for {$270.00} dollars after calling me several times regarding my " Lack of payment '', despite me sending a payment every pay period ( approximately every 2 weeks ), every time they call I explain that my pay period and amount of my paychecks preclude me from paying once a month. The person on the other end always says no problem, they will make a note of it, but the cycle repeats every month. Today ( XX/XX/2021 ) I received a bill from them for {$270.00} for payments not received. I'm tired of these bills and calls, not to mention that it will affect my credit rating. 
In a few weeks I will also be moving and greatly fear what is going to happen after my address changes.