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

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Product: Credit reporting

I am not responsible for this debt, responsible party assumed debt in divorce agreement.
Product: Student loan

In XX/XX/XXXX, I consolidated my student loans with XXXX ( now called Navient. At that time I opted for the highest monthly payment which was to repay the loan in 10 years. Later, I discovered that my payment plan was spread out over a longer term ( 30 years ). Can they do this? I submitted my loan consolidation online so I do n't happen proof of my repayment plan selection. How can I get a copy of this initial agreement? 

Additionally, in XX/XX/XXXX, I was told by my services that my loan would qualified for the Public Servant Loan forgiveness program ( which would become available in XX/XX/XXXX ) since I work for a XXXX. Now, after paying {$60000.00}, they tell me that my loan is not eligible since it is not a " direct '' loan. Other than filing for " bankruptcy '' is there anything I can do to cancel or settle this debt. Although I have contacted Navient several times in reference to my issues their representatives response are inconsisitent changing with every call I 've made to them.
Product: Mortgage

I have a mortgage with Ocwen Mortage. Two years ago they defaulted me on my loan and charged me fees because I supposedly was behind in payments. It took months and an attorney for Ocwen to finally admit that they made a mistake. They never corrected the mistake or send a correction to the credit reporting bureaus. Now Ocwen is once again defaulting my loan alleging that I am two months behind in my mortgage. My attorney once more supplied Ocwen with 24 months of my bank statements evidencing that all payments have been timely made. Ocwen is going forward with a foreclosure proceeding. It is impossible to reach anyone at Ocwen who can fix this situation. This is twice in three years Ocwen has made the same mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have updated information report on my credit report to represent my name as XXXX XXXX XXXX XXXX. I reside at XXXX XXXX XXXXt, XXXX MD XXXX. On numerous attempts disputes have been filed with all three credit entities without resolve
Product: Credit card

A letter of dispute was initiated Capital One regarding a debt that was paid in full. The letter failed to generate a response in the 10 day window in order to get inaccurate information removed from the credit bureaus that were reported by Capital One.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ).

Specifically, Cash App failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected.

Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) & regulation E. These actions have caused significant inconvenience & financial loss, & I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX lender collection this been past around XXXX and old hard inquiries are still there
Product: Student loan

Every semester during my college years attended, I was required to apply for FAFSA, only to be denied. I was told the reasoning was because my parent 's made too much money for me to qualify, even though I was living on my own, paying for my own college, and filing my own taxes. I had no choice to be eligible for financial aid until after a certain age. I was forced to take out private loans for most of my college attendance, unaware of the exact price I would be expected to pay because every loan gives only an estimate when you apply. I either had the option to drop out and have nothing to show or continue to put myself in debt to finish my degree. I am almost out of school for 3 years after graduating in XXXX and have yet to find a job even remotely close to afford my private student loans. I have applied to hundreds of jobs within my degree field and no one these days wants to hire someone without 3-5 years experience. Companies have gotten lazy on willing to train new employees. Since my degree is in the XXXX field, I figured I would have no problem finding a job with decent salary-that has not been the case. I have been working in a XXXX, which I have done since before I even was in college. I can not find a job that pays better than what I currently make and besides lack of Sallie Mae is the WORST company between harassing me and people not associated with my loans. They have contacted my grandmother who has nothing to do with my loans, calling my parents and myself at our place of work and during non-business hours. I have received calls on weekends as well as early as XXXX and as late as XXXX. I feel I have been taken advantage of and even though I explain that I am working 40 hour weeks and still can not afford the payments they try to ask of me ( with all my lenders, totals over XXXX XXXXmonth ), they have ruined my credit and keep adding interest on my late fees. They refuse to help negotiate terms to make payments affordable and act like I 'm the bad person for not being able to afford their absurd repayment terms. The entire student loan system hurts the middle class. If my parents were n't so lucky to make what they do to survive, I would have gotten financial aid, yet if my parents were wealthy, they most likely would have paid for my college. Because I am a working individual with no kids and working to put myself through school, I get penalized for trying to get my education. It has been the biggest burden of my life and has made me regret going to college at all. My financial aid counselors were never helpful and I have had several during my attendance. Go to college, they said. You will find a great job only if you have a degree, they said. Well, THEY were wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps reporting an old child support XXXX XXXX account past the statute of limitations set by the Fair Credit Reporting Act. The Fcra has set specific time limits on how long they can report a delinquent account, the creditor is intentionally putting false dated of delinquency on my credit report to re-age the debt, and they have not reported the correct history on this account, this account was to fall off last year, but they are re aging the late payments on this account, and not reporting the first date of delinquency, being that the credit bureaus have to treat this like a regular credit account, I have submitted the full history and first date of delinquency on this account, the fcra states specifically to the credit bureaus to remove this account if it antedates 7 yrs, this is 1 yr over the statutes. And they are still reporting an that they sent documented proof that they said was deleted from my report completely.. I still she the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX TRANSUNION XXXX XXXX REGARDING XXXX XXXX XXXX XXXX GEORGIA XXXX FRAUD XXXX  LOAN AND FRAUD XXXX XXXX ACCOUNT FRAUD XXXX AND XXXXXXXX XXXX ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX OR XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a dispute was opened in Experian ( XXXX ) for a account that does not belong to me XXXX XXXX XX/XX/XXXX XXXX I receive the results of that investigation, according to Experian " the company that reported the information has certified to Experian that the information is accurate '' even though I sent them a copy of my XXXX XXXX report ( XXXX ). I contacted XXXX and indeed they do not have any public records in my reports, in addition they do not have any request for information from Experian asking for the verification of the account that I am disputing. I am concerned that Experian is not taking seriously this dispute that I have been with them for so long and it is seriously affecting my borrowing levels. I need this to be resolved as soon as possible. 

attached copy of Experian resolution and copy of my XXXX consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything. The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. I attach my previous credit report and my new credit report to show how Experian violated my rights.
Product: Student loan

Naivent is my provider. I am trying to lower payment. I have no job and no income.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 15U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction. 15U.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 conviction and crimes which antedates the report by 7 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
Product: Mortgage

I contacted my lender on XXXX XXXX, regarding a hardship I am experiencing in keeping my home. I received phone communications from XXXX XXXX of JPMorgan Chase, Executive Offices. On or about, XXXX XXXX, 2016, XXXX XXXX advised me that there was nothing her office could do to further assist me and that I would receive a letter from her office in the mail stating the same. I received a letter in the mail from JPMorgan Chase 's Executive Office dated XXXX XXXX, 2016 referencing my Deed of Trust and stated that the same was enclosed ; however, upon closer inspection, my Deed of Trust was not enclosed. The Deed of Trust belonging to an entirely different borrower ( a male, from XXXX California 's ) Deed of Trust was enclosed with my documents. I find it inexcusable that Lender, their Executive Office, no less could be so careless and reckless by sending confidential loan information to the wrong persons. It also grieves me to wonder where my information was sent and what information is now floating around about my property and financial situation. I am hereby asking that your office investigate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had removed an account   XXXX    XXXX   XXXX  off my credit report. However I just viewed my report on   XXXX   XXXX   and it shows this account again.  XXXX   XXXX   XXXX  had confirmed that this information will be deleted from all  XXXX  credit reporting agencys. It was deleted and as of today it looks as though it has been re-inserted again. I spoke to corporate office at   XXXX   XXXX    XXXX  a few months ago and it was confirmed they would contact all  XXXX  credit reporting agency 's and have this information deleted. Having this put back on my report is affecting my credit score in a negative way. I am submitting this complaint about equifax because they should have never re-inserted this informaiton once they were notified it was to be deleted off my report.
Product: Credit reporting

Have received my free Experian Credit Report which I ordered through Free   XXXX   XXXX   XXXX  . The report number is :  XXXX . The company Experian denying me access to file a dispute online to incorrect i nformation on my credit report. I input of all of the correct information including Name, Social, Current Address,  Previous, Employee, and everything is correct but they still denied me access to file a online dispute. When they had me go through the identity verification process I answered all questions correctly. They questions ask me did I have mortgage opened in  XXXX  I answered " No '' because I did n't open a mortgage in  XXXX  nor have I ever to a mortgage for a loan on a house. They also asked what company did I take out auto loan with in  XXXX  I answered " None '' because I did not take out a auto loan in  XXXX . They asked what was the monthly payments I answered " None '' because I did not take out a auto loan in  XXXX  nor do I still have  one on  my credit. Experian is denying my access to file a online dispute for incorrect information on my credit even though I answered all verification questions correctly. It is unscrupulous and unethical for Experian to deny me access to file a online dispute when I put in all of my information correct, I am signed up for the Experian application which full access to my credit report every month, and I even have the actual credit report number that I am trying to file a dispute with but they are still denying me access.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX. 
Creditor Name : XXXX  XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Prepaid card

Purchased, funded and registered American Express Serve ( prepaid ) debit card on XXXX/XXXX/2015. Received permanent card with my name embossed on or about XXXX/XXXX/2015. Attempted to transfer balance electronically and was unable to do so. Spent XXXX minutes on phone with customer service rep.Was told could not locate temporary card number by name. Called back the following day after locating temp card and was told they could not transfer balance to permanent card because I already had a card.After spending XXXX minutes over two days on the phone, requested account be closed and balance refunded. Told have a check in 7 days. Sent demand letter on XXXX/XXXX/2015. Received letter ( no check ) on XX/XX/2015 dated XXXX/XXXX/2015 giving me ten days to respond with requested dox or my case would be closed Responded to request via US Postal Service on XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.