23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX has 3 different times denied my XXXX Loan Forgiveness ( I've XXXX  for 6 years in a XXXX XXXX XXXX  and still XXXX  here ), because of arbitrary things like " The date wasn't filled out in DD/MM/YYYY format ''. The issue is I'm STILL XXXX   at my XXXX, so despite my principal writing Currently Employed in the " End Date '' field, XXXX denies me for the above reason, which makes no sense. I've tried 3x to receive customer service and each time received circuitous or repetitive responses, and it feels at this point that they are actively trying to deny new applicants for whatever loophole reason they can find. I have PDFs of my application as proof of this if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. I submitted a complaint numerous times stating that this info was not correct and not mines and need to be deleted for all accounts listed as DEPT OF ED/XXXX.
Product: Student loan

I have requested a payment schedule from Nelnet and because my loan in 'undisclosed ' and was sold to them by XXXX XXXX they will not provide me with a payment schedule. 
Nelnet has offered to " disclose my student loans ' and provide me with a payment schedule if I 1 ) agree to increase my monthly payment by {$110.00} per month at {$22000.00} or increase my number of payments from XXXX to XXXX and will increase the balance by {$37000.00}. I have received XXXX phones with basically getting scammed with each offer. All I want is a payment schedule. 
I have filed a complaint with the BBB. 
All phones calls and time are documented.
Product: Credit reporting

I 'd like to dispute all of the credit inquiries on XXXX my Transunion report and my XXXX report. I have XXXX on Transunion and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the erroneous accounts on my Credit File for 5 months already but it is clear that the Credit Bureaus have been ignoring my disputes. I noticed that the Credit Bureaus indicated on each accounts ' dispute status as " Account not Disputed '' despite the fact that I have been sending the Credit Bureaus dispute letters and CFPB Complaints. How can the Credit Bureaus report the Accounts as verified and accurate if is is obvious that the Accounts ' disputed status indicates as " Account not disputed ''. The Credit Bureaus have failed to respond to my letters, Claimed that the information presented are verified, and failed to send me copies of proof of verification. These actions of the Credit Bureaus is a clear violation of the Fair Credit Reporting Act. It is clear that the Credit Bureaus have become negligent of the FCRA statute. Under the provisions of the FCRA, I am requesting that the Credit Bureaus stop their erroneous reporting and have the disputed accounts deleted as soon as possible : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

Due to covid, I was without work and in communication with XXXX/MEFA I was under the impression we could not be marked late during covid. This late are hurting me from moving in the future when it was not a error on my part. I was given forbearance for one month to not have to pay and receive any late remark from our governor here in Massachusetts. 

Please remove lates from dates XX/XX/2020. This should be paid on time.
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there are inquiries that I don't recognize, I did not authorize these nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit card or prepaid card

Bank of America opened a credit card and a line of credit in my name ( former name ) using my SSN. I received a debit card in the mail requesting to activate the card. It looks very legitimate but I never opened the account. 
The report of the account shows on my credit report. I opened a dispute with XXXX. 
I tried calling Bank of America but there is only XXXX branch in Idaho in XXXX XXXX XXXX and they directed me to call the fraud assistance line. The fraud assistance line asks for your account number or SSN number. I dont have an account with B of A and not entering my SSN, so also unable to contact anyone to resolve the fraud.
Product: Credit reporting

There are XXXX collections that are being reported as open on my XXXX and Transunion reports. When I called the collection company to pay off these collections the credit company informed me that they had no record of them. XXXX is for {$300.00} and the other is for {$500.00} XXXX are from XXXX.
Product: Credit card or prepaid card

Received an uncilicted US BankReliacard debit card. Card # XXXX XXXX XXXX XXXX. Flyer inside envelope states that " Colorado Department of Labor and Employment automatically issues a Reliacard to every claiment who files for and is approved to receive unemployment benifits ''. 
I have not applied for unemployment. 
Is someone using my identity to file for benifits?
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX has been paid in full XX/XX/XXXX, XXXX have disputed this debt several times and Equifax report the debt as verified..with a {$470.00} balance. online information services has requested that the tradeline be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was deleted from my XXXX credit report but is still reporting negative accounts to both XXXX & Experian. An account cant be Deleted & still reporting negative at the same time this is a major violation .FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. Additionally, the FCRA mandates that credit reporting agencies maintain accurate information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Moreover, ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Reporting this repossession multiple times does not extend this statute and is therefore improper. Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX
Product: Debt collection

I rented a car from XXXX XXXX XXXX Rental back in XXXX of 2014. I returned the car in the condition that I received it. The employee XXXX walked around the car, got the mileage, and I paid for the rental. 9 months later I received a bill XXXX stating that owed {$77.00} XXXX {$25.00} administration fee, {$25.00} loss of use fee, and {$27.00} in damages to the vehicle ). I contacted Budget and asked why 9 months later I was receiving a bill and how did they know that I was the XXXX that caused the damage. I was n't given a response as to why it took them 9 months. I was told that the reason they knew I caused the damage is because they are " a document based company. '' The representative also stated that the employee 's sole responsibility when taking the car back was to expedite the return and not check for damages. I was n't given any recourse to dispute the charges. I had my attorney mail a letter to XXXX requesting that they send documentation proving the damage was caused by me and I received no response other than a generic letter stating that I needed to pay otherwise the debt would be sent to collections. A few months later, I received a letter from a collection agency stating that I owe them the {$77.00} and that I have 30 days to dispute the validity of the debt. It is unreasonable to take 9 months to claim I had returned a damaged rental vehicle. I am disputing the fact that I had caused any damage to the vehicle and that XXXX should be required to alert the customer to any damage before they leave the lot. Otherwise, how can XXXX prove that the damage was caused by the customer? I am also frustrated with their lack of explanation regarding the damage and my rights to dispute the charges. I have A+ credit and XXXX is taking advantage of the fact that I do n't want my credit affected, so they feel they can send a bill without proof and I will pay it.
Product: Debt collection

I have been sent to XXXX XXXX  from a dental office that I have never been to nor had any services from. I never even been to that area. I also never received a bill from XXXX XXXX XXXX in XXXX NY. I have never been to that office nor received any services from them. When I asked for a copy of a bill and evidence that I received services, none was provided. I disputed the bill and the collections report on my credit statement with XXXX and XXXX nor Capital Accounts did not verify nor obtain any evidence that I received any services from XXXX XXXX XXXX. I also researched and saw that this company sent other individuals to collection for not receiving services. This is outright fraud and need to be reported as this dental office is selling names of individuals to collection agencies for fictitious collections.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b 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 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Allied aka    XXXX   XXXX   XXXX  . They have a wage garnishment &amp; have intercepted my  tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  -  XXXX  calls
Product: Debt collection

Cancelled my account with XXXX over 2 years ago. XXXX picked up equipment and nothing was owed or due. 
Diversified Consultants, Inc. have been continually reporting me falsely in an malicious attempt to extort money out of me. Moreover. they removed this from my credit previously then started placing this negative action back on my report causing me great financial harm.
Product: Credit card or prepaid card

On XX/XX/2019 Barclaycard cancelled both of my credit cards for no good reason.

I was never late in a payment or kept any high balances. I asked them several times to give me a good reason, and they can't. They keep saying I violated the terms of the agreement, but nobody can tell me which one.

The big problem I have is they are trying to take all my reward points, which I earned. I want those reward points back or redeemed for cash. They shouldn't be able to take those away from me for no good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX and Experian ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Product: Credit card or prepaid card

I h ad a Sears cre dit card. It was last used in   XX/XX/XXXX  or    XX/XX/XXXX . I we nt through a divorce and financial hardship and was not able to pay this bill. When I explained to  Sears  what was going on I never heard from them again. They mentioned garnishing my wages but it never happened. After I put myself through school and am now back on my feet financially I have reached out to  Sears  to take care of this debt. I was informed by  Sears  customer service I needed to talk to Sears recovery. After talking to recove ry 4 tim es I was informed it was filed as  XXXX  in   XX/XX/XXXX  a nd I could not settle the account or make any payments on the account because of the  XXXX . I was then told to write a letter to Citibank because recovery believed it should show a   XXXX    balan ce on my credit report. I wrote a letter to  Citibank  explaining what I knew and what I was told by  Sears   Recovery. I was sent a letter back asking for the credit card number. I could not obtain  that number because  Sears  in not permitted to give that kind of info out or did n't have access to it. I did get the la st   XXXX   digits tha t are listed on my credit report from a lender I am dealing with. I returned a letter to Citibank with the info I had obtained and my social security number ( that 's how everyone else looked up the account ). I explained why I could n't get the full card number. I explained what I was trying to do and just like the previous letter offered to make payments or a settlement amount or even pay the whole thing. I have not received any communication from them since. I waite d 3 we eks and sent the letter again. I still have not had any communication with  Citibank to this date. I just want to try to get this resolved and fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.
Product: Student loan

In XXXX I applied & was approved a private XXXX XXXX loan for {$15000.00} @ 18 % interest. In XXXX I graduated, took the XXXX & passed. In XXXX, my husband & I had to file a no-asset XXXX XXXX  bankruptcy. Our discharge was granted in XX/XX/XXXX. Navient has attempted to collect this debt since. My husband & I have had to pay them approx $ XXXX {$12000.00} since the discharge to keep them from ruining my credit. 

I have attempted to work this out with Navient several times since discharge. I keep getting different answers as to why they can continue to attempt to collect the debt. Most recently, even though they acknowledge the loan is a private loan ( it is listed on their website that way ), they say that funds were paid to my law school. While I dispute the accuracy of that assertion, even if Navient paid the funds to the law school, I did not pay for XXXX XXXX courses for my law school- it is not the recipient of the funds that affects dischargeability, but the use of the funds. The law is very clear that private bar study loans are dischargeable in bankruptcy. 

Every time I attempt to address the issue with Navient, they place my account in forbearance which just increases the amount owed due to the 18 % interest rate. The loan is now nearly {$30000.00}. Navient did reduce the loan balance down to {$0.00} this year during an " investigation '' they did but put the balances right back again. 

The law is clear - & Navient has been sued for this exact same thing - Navient has no legal right to attempt to further collect this debt. 

I need help. This is hurting my credit & causing my family stress & hardship. 

I am providing all documentation, including relevant case law. 

Please do not hesitate to contact me with any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts that have been unverified and was requested to be removed by the 3 credit bureaus ; XXXX, Experian, and XXXX. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all 3 bureaus be reporting the same collection, but 3 different account numbers WITH ONLY EXPERIAN If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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
Product: Credit reporting or other personal consumer reports

I contacted Transunion early XXXX to ask what I needed to submit to get my name changed/ corrected. I mailed them a judge signed court order granting my name and gender marker change. I sent that along with a copy of my government issued ID and social security card and a letter informing them of what the documents were for and what needed to be done. I then received a letter addressed to a name that wasnt even my prior name ( more like a nickname to my old name ) attached to my new name. I find this intentional with malice intent. I am suing them for negligent misrepresentation, civil tort, infliction of emotional distress, XXXX and XXXX XXXX
Product: Checking or savings account

BBVA has been moving my transactions out of order so that I accrue fees even though I have enough money in my account to cover all transactions. I have called them twice about this and they will admit no wrong doing and state that I dont have enough money in my account when I actually have more than enough. This is not the first time they have done this to me.
Product: Mortgage

I suffered an insurance loss and promptly reported the loss to both my insurance company and my mortgage company. The first payment for replacement of cabinets, painting and drywall was issued to me with no problem. The second part of my claim pertained to my wood floors. My insurance company allotted me funds for a full replacement of all flooring in my downstairs however my floor contractor was able to replace/repair only what was damaged which resulted in a much small amount. My mortgage company is refusing to release my funds to me even though all repairs have been completed and the inspector from the mortgage company has approved all repairs. Per the terms of my deed of trust, once all repairs are completed and approved funds are to be released to me. I may or may not decide at a later date to have more flooring replaced however all repairs have been completed to the satisfaction of the mortgage company inspector.
Product: Debt collection

XXXX XX/XX/year> Resurgent Capital Services LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Resurgent Capital Services of LVNV Funding LLC, I hope this message finds you well. I am writing in reference to the PDF response I recently received from your office. Unfortunately, I am unable to access or open the document due to technical issues with the file format. It is as if a file was not uploaded. 
Could you kindly provide an alternative format or resend the document in a more accessible format, such as a Word document or plain text? This would greatly assist me in reviewing the details of the correspondence and halt my taking of further legal action. 
Please let me know if you need any further information from my side in order to facilitate this request. I appreciate your attention to this matter and look forward to resolving this as soon as possible. 

Thank you for your understanding and cooperation. 

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

I have submitted disputes ( with documentation ) about old negative information showing up on my credit report. I submitted the dispute in 2016, and again on XX/XX/XXXX, - Experian refuses to remove it. So today XX/XX/XXXX I once again disputed it. XXXX XXXX  XXXX XXXX provided me documentation showing I paid a loan off, and Experian refuses to remove the negative information. XXXX XXXX says they can not remove it, that its Experians responsibility to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.