23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted my annual Income-Driven Repayment Plan re-application to XXXX XXXX and Navient TWICE per the studentloans.gov instructions - the first application was # XXXX and was submitted onXX/XX/XXXX and the second was # XXXX, submitted XX/XX/XXXX. XXXX XXXX  only confirmed receipt and approval of my application upon my filing of an inquiry to studentloans.gov on XX/XX/XXXX - case # XXXX. Navient took two more weeks and only approved my application yesterday because I wrote a strongly worded email to their " customer advocate '' after my automatic payment was 200 % higher than normal. I am already stretched thin financially after moving across the country and taking a pay cut to be closer to my family and I overpaid on my student loans this past month because of these service providers ' neglience and irresponsibility ( or just unwillingness to process my application ). The moral of this story is that student loan providers are no better than loan sharks who will use any means necessary to extract all the money they can from their customers, who are now virtually required to get some sort of degree to be competitive in the job market. My family did not have the means to pay for me to go to school and I wish someone had told me how predatory the student loan industry is before I signed on the dotted lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I recieved an alert from my credit monitoring that a hard inquiry was put on my XXXX credit report. I did not at any time apply for credit with CAP1/XXXX XXXX  or otherwise authorize this. I called CAP1/XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with XXXX, the next day ( XXXX ) I received a response that the investigation was complete and it was verified as accurate. I called XXXX  on XXXX. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with CAP1/XXXX XXXX and how they confirmed that it was fraudulent and requested they call CAP1/XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called Capital One since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.
Product: Debt collection

XXXX XXXX an account with XXXX XXXX was discovered on my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and filed police report. XXXX XXXXXXXX is still not removing this account from my credit report
Product: Mortgage

Over the course of the past year XXXX and Lakeview Loan Servicing LLC has misappropriated over {$7000.00}  of my escrow funds. Out of my escrow account they have been paying county property taxes on three properties that I do not own and never have owned. Between XX/XX/2018 and XX/XX/2018 I contacted their customer service department 5 times ( including sending the attached certified letter with corroborating details received from the county ) letting them know what happened and asking for a resolution ( to refund the {$3700.00} ). In every instance they made promises to look into it that they promptly broke and/or they ignored my claims. 

Because of a death in my immediate family I was unable to pursue this further until on XX/XX/2018, I called customer service again, since they erroneously paid out yet another {$3800.00} from my escrow account. They again said they would look into it. Following up to the telephone call I sent them an email including a copy of the certified letter from XXXX with its tracking number. 

Two days after calling and emailing their customer service department with details ( on XX/XX/2018 ) they sent me a letter stating that they intended to sell my mortgage to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

We ordered an on-line streaming service ( one year subscription ) from XXXX XXXX XXXX XXXX using our Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard. We were charged twice for the service, each in the amount of {$99.00}, for a total charge of {$190.00}. The service was cancelled by XXXX XXXX XXXX  who confirmed the cancellation in writing. We disputed the charge through the credit card company with the supporting evidence of cancellation. Despite this, the credit card company reinstated the charges and we have paid them in full. We believe it is incorrect for the credit card company to charge us for a service which the provider itself confirms was cancelled.
Product: Debt collection

I had a XXXX XXXX credit card but I have paid and closed the account. It is showing in my credit report the facts.
Product: Student loan

In XXXX 2016 I applied for income based repayment specifically Pay As You Earn on loans entering repayment through my provider Nelnet. After 20 days I called and asked about the status they stated that I did n't submit XXXX forms of proof of income which is not stated on the application for income based repayment. She told me that she would put the loans into forbearance for me so that nothing would be due until XX/XX/XXXX giving them enough time to process the application. In XXXX 2016 I receive a statement for several thousand dollars. I called Nelnet once again and was told that half of my loans do not qualify for XXXX and would be placed on a different income based repayment plan. Again she said she would put an administrative forbearance on my account so that nothing would be due until XX/XX/XXXX giving them time to process a second application that I was told to submit. She stated that my first bill would be due in XX/XX/XXXX for {$200.00}. Last Friday XX/XX/XXXX I received a call from Nelnet 's collection department telling me that I was a month past due on a nearly {$5000.00} bill. I explained everything I had been told in the past and pulled up a recent statement I had gotten that said payment was n't due until XX/XX/XXXX. She placed me on hold for 10 minutes and then returned saying that the reason I had a bill was because I had n't renewed my income based repayment plan. I explained that it had n't even been a year since I graduated and my grace period ended in XX/XX/XXXX. She was confused and put me on hold a second time for 10 minutes to speak to a supervisor. When she returned she told me that there were several notes on my account and she needed them to be processed and she had passed on my account to her supervisor. I confirmed with her that I was on forbearance until XX/XX/XXXX and that I would n't be paying {$5000.00} monthly. She confirmed that was the case. Prior to speaking with this particular agent I did some research myself to see why some of my loans were not eligible for PAYE as well as finding out if I could switch providers considering my troubles with Nelnet. In that research I discovered that if I consolidated my loans they would all be eligible for PAYE and I could switch to a different servicer. I 'm at a loss for why Nelnet had not previously discussed this option with me as they are tasked by the Department of Education with providing basic services such as loan counseling. I 'm also at a loss to describe the anger that I have since my loans have continued to accumulate interest due to Nelnet 's lack of communication and untimely processing of applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to deal with Experian about my XXXX XXXX account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to Experian on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when Experian refused to send documentation following their result from the dispute. I sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( XXXX XXXX or Experian ) verified this alleged " debt ''. I have got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my XXXX XXXXXXXX account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX XXXX XXXX , DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX(Original Creditor: ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I moved from XXXX XXXX to XXXX I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX  Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX   my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the XXXX experian about my late statement anyhow I call Experian and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.
Product: Mortgage

Pingora Loan Servicing , LLC allowed my sensitive files related to my mortgage to be accessed by an unauthorized third party via a security breach. They have offered one year of identity theft monitoring service, but I demand lifetime identity theft monitoring service as well as compensation for this mishandling of my information. They allowed a hacker to access my and my wife 's social security numbers and likely our bank account numbers and other information collected on a mortgage application. This is completely unacceptable and we now feel at great risk of identity theft now and into the future. One year of free identity theft monitoring service will not suffice.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This Company is breaking the law if not resolved will file a law suit against the company
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX of 2021 my account was limited by PayPal. I use my PayPal account to receive payment from good/products I sell online. Since limiting my account the suspended my account for good, which then they send me an email indicating that I will be able to access my remaining fund within XXXX from the time of the suspension of my account. Its been 350 days since the suspension of my account. Ive tried to contact them so I can withdrawal my money, but is getting no where they dont reply to my emails or later and I will like this solve as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and JPMCB Auto. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I filed for a dispute on an auto loan account I have on my credit report. As of that same day, XX/XX/2023, that account was paid in full and I provided receipts showing that the account was paid in full. XXXX, the company investigating my dispute, finalizes my dispute today XX/XX/2023 and states that they updated the information but upon checking my report, they said for the month of XXXX, the account shows as charged off. Normally a final decision from the company that I have a credit line with does not finalize any decisions until the end of the month but they decided to say that its still delinquent and charged off when I paid the amount in full. I have proof of the receipts, confirmation codes, as well as bank account withdrawals from Exeter Finance that shows they took money out in a total amount of {$8100.00}. Specific days go as follows : - Friday, XX/XX/2023, a {$3000.00} payment was made to Exeter Finance as well as a {$2900.00} payment. In total, a {$5900.00} payment was made to Exeter Finance on XX/XX/2023. 

- Monday, XX/XX/2023, a payment of {$2200.00} was made to Exeter Finance. 

In total, with all payments made, it should add up to {$8100.00} which is the total amount Exeter Finance states I owed so as of XX/XX/2023, the account was paid in full and there should be no balance. 

I was also told that I should receive my title for the vehicle within 30-45 days which further states that the payments that were sent were finalized, accepted, and processed in their system to move on with the title process. 

XXXX reporting inaccurate information on my account and stating that the account is not paid in full when I provided them accurate information which comes straight from the Loan company in which I had a credit line with is most definitely an offense in regards to my consumer rights. 

According to 15 U.S. Code 1681A Sub Section 2 ( Exclusions ), the term consumer report DOES NOT include ANY REPORT containing information solely as to TRANSACTIONS or EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT.

Meaning, a transaction or experience with Exeter Finance such as a " Late Payment '' that could cause the account to become closed or charged off. That is considered an experience that Exeter Finance had with myself which is against my consumer rights for this information to be reported.

Nothing under the Fair Credit Reporting Act requires ANY financial institution to furnish negative information to a consumer reporting agency. 

The damages this has caused has made other financial institutions such as XXXX XXXX, XXXX, XXXX, etc., deny me of credit because XXXX continues to report false information on my account which in term has decreased my credit even further.
Product: Debt collection

I received notification from my XXXX  credit alerts I have a medical collections in the amount of {$91.00}. 

The collection agency is Phoenix services has placed a fraudulent collection account on my credit profile.

I never received any written communication of this alleged debt and I have not resided in the state of Florida in several years- so I am disputing the validity of this account. 

I am requesting the original signature in which I agreed to have services rendered and documentation an contractual agreement to pay/ with the specific dates. 

I strongly believe this is a violation of HIPPA and plan to pursue every possible avenue to prevail this matter.