23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

hello, the following cc company ( VW CREDIT ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 and 60 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
Product: Student loan

Hello, I am writing to express my urgent concern about the detrimental effects of the SAVE Plan on borrowers like me, specifically the inability to opt out and resume repayment under another Income-Driven Repayment ( IDR ) plan. As someone actively working toward Public Service Loan Forgiveness ( PSLF ), this policy is creating unnecessary financial strain and disrupting my repayment strategy. 

The current situation under the SAVE Plan has placed my loans in administrative forbearance, preventing me from resuming payments under a different IDR plan. According to MOHELA, my only option for exiting the SAVE Plan is to choose a full-term non-IDR repayment plan, which is entirely incompatible with my financial circumstances and PSLF eligibility . This lack of an exit strategy from SAVE, other than committing to an unaffordable plan, is not only unfair but also deeply harmful to millions of borrowers. 

The administrative forbearance and restrictive policies of SAVE are undermining the very purpose of IDR plansto provide flexible and affordable repayment options based on a borrower 's income. By denying borrowers the ability to switch plans, the administration is forcing us into financial uncertainty and jeopardizing access to critical programs like PSLF. 

I respectfully urge you to advocate for immediate policy changes, including : - Allowing borrowers to exit the SAVE Plan and transition to other IDR plans without barriers. 
- Ensuring clear communication and transparency about repayment options for borrowers affected by SAVE. 
- Protecting PSLF-eligible borrowers from policies that disrupt their repayment strategies and harm their financial stability. 

Borrowers should have the autonomy to choose repayment plans that align with their needs and goals. The inability to leave the SAVE Plan for a suitable IDR option is causing unnecessary harm and demands immediate attention. 

Thank you for your leadership and your commitment to addressing these pressing concerns. I look forward to seeing action on behalf of borrowers like me who are seeking fair and equitable treatment in managing our student loans. 

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

XXXX  impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by XXXX and/or accepted by XXXX despite they knew now the fact that collection was in violation of the FCRA by XXXX  and the collection. XXXX  blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. XXXX added an unthorized address to Mr. XXXX credit file. XXXX  knee that XXXX  already deleted that collection that violates the FCRA.When Mr. XXXX found that XXXX   blocked him from using the XXXX  online dispute process ( XXXX  in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because XXXX  knew if they let Mr. XXXX to use that online dispute process without restrictions he would win and XXXX  would had deleted that collection by now. XXXX   now is served through this platform the attached files that were already sent to XXXX  by they trashed them or ignored them and XXXX to explain why they did that in violation of the FCRA.XXXX  must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX specific XXXX  credit report number. Included also the name of the collection. A XXXX XXXX banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and XXXX  must delete that collection or face serious legal consequences.
Product: Bank account or service

The banks 's account holder and his employees testified under oath and admitted to wrongfully endorsing checks made payable to my Company and ( XXXX ) and depositing them into accounts with Prosperity Bank without my authorization. Also, he admitted that he attempted to get an assumed name the same as Company. Prosperity Bank and it 's account holder are not disclosing the total amount in which were deposited but we know that it around {$100000.00} XXXX or more. This has really affected my business and have sent me through extreme financial difficulties. I have lost everything and it seems as if my issues are not being acknowledged. 

Properity Bank told me that there was a document is place in which allowed the endorsing and depositing of checks made payable to my company ( XXXX ) but they refuse to produce it. Any document in which purports to authorize their actions is a Fraud Document. 



Thanks
Product: Debt collection

About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank/BestBuy has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed.
Product: Debt collection

I am filing a complaint against NetCredit XXXX XXXX for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from NetCredit XXXX XXXX regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with NetCredit XXXX XXXX. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that NetCredit XXXX XXXX had the legal right to collect the debt. 

Despite my request, NetCredit XXXX XXXX failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my XXXX XXXX. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, NetCredit XXXX XXXX did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that NetCredit XXXX XXXX immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

On XX/XX/2016 Finance Systems Inc. ( Collection agency ) Discussed a medical collection with a third party without my consent about a debt on my credit report.
Product: Credit reporting or other personal consumer reports

I have complained about incorrect information on my credit report. When I reached out to the bureau, I was instructed to get a new social security number. IT IS NOT THAT SIMPLE TO GET A NEW SOCIAL SECURITY NUMBER. I have provided proof that I am a twin and that his information is showing under my report. Nothing was done and since had impacted my life tremendously!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

XX/XX/XXXX XXXX  XXXX
Product: Student loan

Nelnet received my application request XX/XX/XXXX  and they have not updated it or reached out regarding any thing. I have tried calling and sat on hold for hours, I have tried emailing and have received no response. 
Payment is due XX/XX/XXXX  and the amount due is not the correct amount. Interest is accruing way more than it should be. I have my application proof on federal student aid website. Nelnet also says on the phone menu that you should receive an update on application every 10 days. It also says you should hear something within 3 days of application. This is inaccurate information as there has been ZERO communication from Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated that the items are under investigation and Transunion has done nothing. 30 days have passed and I sent my SECOND request to XXXX and Transunion, XXXX stated again under investigation and Transunion has again done nothing which is why I decide to come here for help, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

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

In order to have the bogus  accounts and information that are being reported on my credit file deleted as quickly as possible, I am filing this CFPB complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00}. Please send me copies of any documentation you have that shows you are the rightful owner of the disputed objects if you think I own them. These fraudulent accounts will be instantly deleted in the absence of these documentation.
Product: Student loan

I am on the SAVE plan as of XX/XX/year>. My loans went into repayment around the same time as I had graduated the XXXX prior. It was states multiple times during the SAVE pause that loans would be on a forbearance and not accruing interest, however my loans have increased by {$2600.00} since being placed in forbearance. I have tried contacting Edfinancial regarding this matter and was told the interest was from before I began on the XXXX plan. That can not be accurate because there is a 6 month grace period for federal loans after graduation. I would like the incorrectly charged interest removed from my balance.
Product: Bank account or service

I have not received promotional points which were promised by Citibank by signing up for their citigold bank account. I have message from their service representatives promising that it would be deposited by XXXX. However that has clearly not happened and their customer service representatives have not been able to help over the phone or on the web.
Product: Mortgage

Beginning XX/XX/XXXX we began a covid forebearance plan with the mortgage company, Flagstar Bank. 

In XX/XX/XXXX we contacted them to state we were ready to come off of forebearance and begin making our regular monthly payments. We were told the process needed to go through underwriting and to call back in XXXX to check the status. We called XXXX to check the status and were told it was still in underwriting and to call back in XXXX. We called XX/XX/XXXX and were told it was still in underwriting and to call back in XXXX. 

Meanwhile, we continue to receive statements via mail stating our Loss Mitigation Program Status is in active deferral. However we had not received additional paperwork or been instructed that we needed to make a payment to ensure our account was in good standing. 

On XX/XX/XXXX we received a letter in the mail from the mortgage attorney 's office XXXX and XXXX that they had started the foreclosure process. Immediately upon receiving this, my spouse contacted the mortgage company Flagstar Bank to inquire about this issue. Flagstar stated they had sent a form on XXXX to approve the deferral and required a response by XXXX  We did not receive this letter. 

On XX/XX/XXXX after this phone call, we completed a loss mitigation online form. 

On XXXX  I called Flagstar and was told the new loss mitigation initial review was complete and would be further reviewed by underwriting and that while in review foreclosure would be paused. 

On this phone call XXXX I requested a copy of every communication letter that had previously been sent by mail to be resent. I was told that it would take about 7 days for this to be received. Flagstar also claimed during this XX/XX/XXXX phone call that when my spouse called on XXXX XXXX XXXX Flagstar instructed us that deferral was active and to make a payment by phone. This is inaccurate and I requested a review of the call recordings to be completed. I was told that a supervisor would review them and someone would get back to me.
Product: Checking or savings account

After my first direct deposit for my job, this company stole my money and freeze my account! For no reason at that! Gave them all the information they needed, and they still have my account locked up! With my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Today USAA sent to experian that I was 30 days past due on my auto loan account with them. 
I called and verified with USAA and they said everything was current. They said they cant change reporting.
Product: Checking or savings account

I've had a savings account at Capitol .for many years. I wanted to add beneficiaries to the account. For some reason, they wanted social security numbers on my beneficiaries on a notarized statement. I wasn't comfortable, but I sent them this statement, certified mail, 3 months ago. After two months, I couldn't see where these beneficiaries were added, I called the bank. The person I spoke with didn't see where I had sent this information. I got a copy of the person that signed for this paperwork from the post office. I then sent this to the bank, in XXXX XXXX ( the beneficiary division ). I asked them to find these papers and contact me immediately. They have not. This was a month ago. 
Do I have any recourse? 

Thank you for your help. 
XXXX XXXX XXXX, NY
Product: Debt collection

On XX/XX/XXXX I received a summons from Midland Funding LLC saying that I had defaulted on a XXXX XXXX that was issued to someone living in XXXX, MI. The statements attached to the summons show that the credit card was defaulted on back in XXXX. When checking my credit report I see that Midland Funding added themselves as a creditor and the XXXX, MI address to the credit report back in XX/XX/XXXX. 
This is fraud. 
My only address is in XXXX XXXX at the house I have owned for over 30 years. I have had only one credit card for many years and it was not issued by XXXX.
Product: Student loan

My student loans were transferred to XXXX from AidAdvantage months ago. Both student loan servicers are reporting open with $ XXXX balances. AidAdvantage should be {$0.00}. My only open servicer is XXXX. I disputed with the credit bureaus and also contacted AidAdvantage.
Product: Student loan

Citibank Student Loans- They do not provide any information on how long I have left to make payments on my loan. The loan details only show me the original amount of the loan, the current payoff amount, my interest rate, and my monthly payment amount. There is nothing I can find as to how many months/years I will be making these payments until I have the loans paid off. I even tried calling to speak to someone ( which every time I hit " 0 '' it said that was not an option and just kept repeating my next payment due date ). There is not even a way for me to view any actual statements online and I do not receive any in the mail. My address is up to date. They make it very difficult to get information, and find details about how I can get the loans paid and when.
Product: Debt collection

To whom it concerns my problem exists with a collection agency which is reporting a collection against me. I have asked them to investigate it according to the fair credit reporting act and show me something. they have not done so in the last 6 months that I have been asking them. I have asked for proof of any kind, and they send me a bill with their name on it and says I have to pay. 

I am asking this organization to help mediate the issue with this company which ignores me and my requests and does nothing of what I ask as is my right.