23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aes credit XXXX XXXX XXXX XXXX, XXXX Whom make concern, i was working with one Employee, she did everything help me filled out a from for XXXX from VA Dr XXXX which from server XXXX, when working the lady, she new about my illness. My Doctor XXXX send to Aes twice first abbreviated words, then i got that he needed to send form without no abbreviation, which doctor XXXX did, so i thought everything was okay, but it was n't until Aes turn their loans over to XXXX. 
Which XXXX did work with me and doctor XXXX, which i was granted XXXX hardship.AES was calling me they over and over, i even had a AES a employee, she told me, to get XXXX over it, talking about my XXXX So call back got a hold supervisor. Then i asked for my phones calls notes, then told i could not get them, that they turn my loan over XXXX. But mean time i thought my XXXX was taken care of by AES, it was n't until I got a letter from XXXX that my loan was never taken care of, so i look on my credit report where AES show me beening late on my AES over and over, which if i have to i get information from my when forms where sent.All i asked to get a copy of all phones conversation and letter send out to me and form for my Doctor. XXXX one lady employee work with me to get all paperwork very nice, she knew my illness. My name is XXXX XXXX XXXX, my old address was XXXX XXXX XXXX, XXXX XXXX XXXX when we was working on XXXX form. My society security number is XXXX .my new address is XXXX XXXX XXXX, XXXX XXXX. XXXX. All i ask for AES give you all my phone calls and letters send to me and Doctor XXXX XXXX form send to AES released a copy to you. AES has hurt my credit report many years, which my Doctor send them the correct paperwork, which they said they lost. All proof are in all my Aes phone calls and letters. 
All i am asking for my credit report to be fixed and a letter that AES, was at fault because of bad training of thier employees, how treat people with XXXX. 
Thank You XXXX Bless
Product: Bank account or service

after filing a complaint with XXXX I have noticed I am not able to get into my account and I have noticed just before this happened that rush card has been taking XXXX out of my account on a daily basic saying its for XXXX i have not used rushcard for such transaction and they have been taking over XXXX out of my account and wont refund it i sent in all doc saying its not me and copies of all info they wanted after 90 days rushcards closed the case and kept my money and now after trying to get to my account they have blocked me from it my social secuirty money goes there and after social secuirty had deposit XXXX for back money owed to me rushcard stole it and is saying they have no record of money going to XXXX i printed the statement before being locked out of my account and now nothing is going to be refunded
Product: Checking or savings account

On XXXX  XX/XX/XXXX I was supposed to receive XXXX from XXXX  when I looked it said it was there but wasnt in my account so I called Citibank and they said they are having difficulties with deposits at that moment and I should wait XXXX days. I did and when I looked at my account it still hasnt been deposited And they are saying it has but I have not spent or saw the money it is 4 days now.. they told me I spent it when I did not I watch my money I never got it I just want my XXXXthis in any the first XXXX citi did not give me my money back. I had a problem with a merchant that did not send me my things I brought and I was not reimbursed my money.
Product: Mortgage

GreenTree Mortgage LLC offered me a Mortgage Modification Trial Period Plan ; however, their offer was dated XXXX/XXXX/14 and I received it on XXXX/XXXX/14, the same date the XXXX payment was due. Their envelope was not postmarked so I could not confirm the date they actually mailed it. Because I could not confirm the date they mailed it and I received it so late, I could not trust their offer was legitimate and therefore I did not make the XXXX payment due XXXX/XXXX/14 which is the same date I received their offer.
Product: Credit reporting or other personal consumer reports

debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to XXXX  and XXXX  XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored Discharge of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed and deleted by other agencies 15 USC 1681 e ( b ) accuracy of report ( 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 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting

I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was viewing my consumer credit reports and seen the following inquiries are not recognized/ approved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8.Validate account XXXX  Account Number : XXXX Please remove it from my credit report 9.Validate Account XXXX Account Number : XXXX Please remove it from my credit report 11.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Debt collection

I received message from XXXX XXXX concerning Conoco credit card  threatening to take action against if I didn't pay card is under name which is my married from divorce in XXXX my name I no longer use and my social security #  was used.the phone was XXXX, old phone #. Can not get any response online or by phone just say I have to pay.I have alerts at all credit agencies and am fixing to call bank I in no way am responsible for this credit card. retired drive a 20 year old car  that barely runs help pleay
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/XXXX I closed the account in XX/XX/XXXX I paid the balance in full in XX/XX/XXXX They tried to charge me an annual Fee of XXXX  $ that started on XXXX XXXX I did not and will not pay that. 
They are are now reporting account closed but with and outstanding balance and late fees every month after I closed the account. 
XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date openedXXXX Status Closed. {$90.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updatedXXXX Recent payment $ XXXX  Monthly payment {$30.00} Credit limit {$1500.00} Highest balance {$1400.00} Terms NA
Product: Credit reporting or other personal consumer reports

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

I have an old, closed auto account. to which I will attached the complete reported history from the creditor to Experian and XXXX. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you
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 have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands. My account still has not been updated by the credit bureaus
Product: Mortgage

Math error can not afford payments with math error. 

You will see correct payment after escrow was paid in full of {$1000.00}, they took payment {$950.00} XX/XX/XXXX  ( which is supposed to be {$870.00} ) overage of {$62.00} and minused it from {$1000.00} ( which I paid in full ) then acted like I never paid XXXX  and say now my escrow balance is XXXX  ( because of the overage I paid of {$62.00} and are dividing THAT into 12  months. So it equals identical amount of the correct cost of XXXX  + XXXX  into XXXX. 

Last explaination they told me was they ran escrow 3x and when then ran escrow again in XX/XX/XXXX they said the system said Id be short {$950.00} for NEXT year. ( which isnt true because the math I did was exactly matching what I said. ) I said even if so my insurance paid XX/XX/XXXX and you cant jump ahead and just keep running escrows. I said when I paid escrow of XXXX  it was approx 5 days after you told me my shortage. You just cant rerun to say I owe more 2 months after the fact its done once a year.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$2800.00} XXXXXXXX XXXX - XXXX - {$11000.00} XXXX - XXXX - {$0.00} Late Payment XXXX XXXX - XXXX - {$5200.00} Inquiry XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

The seller told me to send the money to XXXX and when I did he now says XXXX XXXX isn't correct name. that's a persons name not a pay pal name but he insist I made a mistake. I have chat history proving I'm right. PLEASE HELP! 

Pay Pal receipt shows transaction will show as XXXX XXXX DEBIT_CARD You'll see " PAYPAL XXXX '' on your card statement. 
{$310.00} Transaction ID XXXX I done everything according to seller and now he says he is not getting the money I would like to get this money returned to me
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Kindly correct or delete the following inaccurate items in my credit file. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$400.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

Citibank , N.A . Denied my dispute for a refund for charges to my Citi Card for service not received. ( a trip canceled by vendor ) History of dispute with Citi Card : XX/XX/XXXX I filed an initial claim with Citi ( R ) Cards ( referred to as Citi in this correspondence ) XX/XX/XXXX letter from Citi requesting additional information regarding this claim XX/XX/XXXX letter from Citi stating they are reviewing my claim INTERIUM : Numerous correspondence and phone conversations with Citi stating they are working with the vendor to obtain credit XX/XX/XXXX Denial letter saying, Based on the time that has passed since you canceled the services, we have no option to obtain a credit on your behalf Incorrect -see attached. 
Time passed because of my efforts to settle with the vendor, and the vendor canceled the service, not me. 
XXXX months passed with Citi denying me a refund for services I never received. a trip! 

The original trip was on XX/XX/XXXX -the start of the XXXX pandemic and the travel shutdown. The vendor rescheduled the trip ( to XXXX ) to XXXX. Pandemic restrictions continued. The vendor shut down travel to XXXX and replaced it with XXXX XXXX XXXX trip in XXXX. The ship being built-not finished-trip was postponed to XX/XX/XXXX. Shipbuilding delays resulting from the pandemic- postponed to XX/XX/XXXX - again postponed until XX/XX/XXXX. Less than XXXX hours before my planned departure on this trip, it was canceled by the XXXX through an email ( see attached ) I immediately requested a refund from the vendor and made multiple attempts for almost two months, but no refund was issued, and I learned that the XXXX had declared bankruptcy on XX/XX/XXXX. Within 60 days of realizing my efforts to get a refund from the vendor were futile, I filed a dispute with Citi ( R ) Cards for services paid on my Citi Card but not received. I provided Citi with all the information requested regarding this claim. On XXXX XXXX, a denial came from Citi for erroneous reasonsCiti knew services were canceled by the vendor, not me, and the delay referred to was caused by my multiple efforts to secure a refund from the vendor. 

Taking due diligence and actively pursuing a refund from the vendor, as recommended by Citi, to pursue a refund before filing a claim with Citi is being used by Citi for denial of the claim. My effort to follow directions, taking time to get vendor refund, delayed my filing a claim with Citi and is being used as a reason for denial. I paid Citi XXXX for a service I did not receive. This situation started with the pandemic, which provided very different circumstances, and in good faith, I followed the instructions to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 XXXX XXXX account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd XXXX XXXX account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is citi, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans with Navient, all of them which have been in deferment for 10-15 years and the interest has made my loan too expensive to pay. I have kept up with forbearances and they put on my credit report that I didn't do a forbearance until a month later than need and it put XXXX bad credit ratings on my credit report. I was under the covid forbearance and it was done by phone. They are messing up my credit for XXXX or more years because of their error. Why would I forbearance and keep up with this all but 2021 which they say I didn't that was during covid and cares act. I need these student loan marks off my credit report. Navient is ruining peoples lives.