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

I have 4 ( four ) student loans with UAS/XXXX. Two of the accounts ( number XXXX and XXXX ) showed 3 ( three ) missed payments each at the end of XXXX for a total of 6 ( six ) missed payments. 
I found the problem on XXXX report early XXXX. All these accounts are paid by automatic debit and have never been late. 
I immediately called the creditor and confirmed that was an administrative error. They promised they would update the reporting by the end of the month XXXX XXXX XXXX. 
After that the account ending in XXXX showed 2 missed payment ( no longer 3 ). Nothing changed on the other account and I still have a total of 5 missed payments on both accounts erroneously posted against my name. 
I called again and again XXXX/Chesla, but they never gave me a definitive answer nor returned the multiple requests for a solution. 
I also filed multiple complains with XXXX, but they did not solve the problem either. In one of the complains their response was that the account was already updated and the complain was closed, but nothing changed. This was the reason I am filing this complain. 
Just want to note that this is not only an inconvenience. I am trying to finance a major real estate purchase and this reporting is causing by credit score to be under the level I would otherwise be entitled to better rates. I had to postpone the financing decision because of this problem. 
PS. I only see this issue with XXXX and not with XXXX I am not aware if the other credit bureaus are also reporting, but my real issue is with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. Experian will not allow me to re dispute.
Product: Student loan

I was directed by my school ( XXXX XXXX XXXX, now closed ) to apply for private student loans with Navient in XXXX. The original balances were {$10000.00} and {$9100.00}. I have made my {$450.00} payments every month since XX/XX/XXXX, besides when I was in-school deferment or financial hardship forbearance, never going into default. It is now XX/XX/XXXX, and those private student loans have current balances of {$24000.00} and {$10000.00}. The interest rates are are 12.25 % and 7.25 %, respectively. 

At the beginning of the pandemic, I decided it was a good time to go back to school. First, to be able to finally finish my XXXX XXXX XXXX, but also because I could not afford to pay my private student loans, which did not qualify for the federal government 's student loan freeze. I began classes in XX/XX/XXXX, but was just informed by Navient that I have reached my limit of 48 months of in-school forbearance, which I do not recall ever being informed about. 

Private student loans can not be consolidated, or put on income-based repayment. I reached out to Navient to try to refinance these loans, but they informed me that they are not currently offering refinancing. I reached out to other student loan servicers XXXX, and XXXX, but they also can not help me. I am feeling hopeless that I will ever be able to pay off these loans are the balance seems to just go up instead of down. It is my belief that the interest rates that Navient is charging are exorbitant, and their unwillingness to offer me anything else besides more forbearance, which increases my loan, is unfair and unreasonable.
Product: Credit reporting or other personal consumer reports

I, hereby request the correction of my personal information in your database. In particular, I request the removal of the following addresses, names, and dates from my credit history. 

I base my request on the following articles of the Federal Consumer Protection Law ( LFPC ) and the Law to Regulate Credit Information Societies ( LSIC ) : Article 76 of the LFPC : " Suppliers of goods or services must provide truthful and timely information to consumers. '' Article 15 of the LSIC : " Credit information companies must keep consumers ' credit information up to date and complete. ''
Product: Mortgage

Me and my wife bought a house and get a XXXX loan. 
On XXXX first, we paid the first monthly payment, {$4100.00}. 
We sold our previous house and we want to Payoff our new property. 
I contact Selene Finance to get my payoff information. 
They took a long time to send me this information and we decided to start the payment process doing additional payments towards the principal. 
Between XX/XX/XXXX to XX/XX/XXXX, we paid XXXX almost daily, 15 times, to be exact, plus an additional payment of XXXX. Total XXXX. 
When we finally get the payoff information, it comes with {$78000.00}, a little weird because our balance was {$77000.00}, but it's ok we paid in full on XX/XX/XXXX by wire transfer. 
I've been calling them since XX/XX/XXXX trying to figure out why my balance is still {$77000.00}? I paid and sent the proof of payment by email 4 times, on 4 different days. On XX/XX/XXXX we open a " ticket '' on the phone with Selene to try to find where is my money, they give today, XX/XX/XXXX as a deadline to get a response. 
Today is XX/XX/XXXX, and my payment is still " not found '', Selene Finance didn't give me any answer. Every time that I call they ask me when I'll pay. 
They simply don't give me an answer about my money, it's a lot of money and they simply don't care and I don't know what I can do to solve this issue.
Product: Debt collection

didnt recieve all the information i requested. the following is what was asked in my validation letter VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal request to you for the removal of inaccurate and/or outdated itemsfrom my credit report, which I believe are negatively impacting my credit profile. After athorough review of my credit report from your agency, I have identified several items thatrequire immediate attention and deletion. I have provided the details of the disputeditems along with explanations of the inaccuracies, the information reported for theabove-mentioned accounts are inaccurate and does not reflect the current status of theaccounst. I have enclosed supporting documentation that validates the correctinformation. I kindly request that you investigate this matter and remove the inaccurateitems from my credit report as required by the Fair Credit Reporting Act. I have enclosednor attached my documents in my letter. I understand that it is your responsibility, as perthe Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and toinform me of the results. I respectfully request your prompt attention to this matter and atimely resolution. Please provide me with a written confirmation of the removal of eachinaccurate and outdated items once the investigation is complete. I also request anupdated copy of my credit report reflecting the corrected information. Here are thefollowing fraudulent items that are needs to be remove : 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 XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$210.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can no longer get access to my credit report  ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repor t ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busi ness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I try to use the " Need Help Signing In? '' feature on the Equifax website, I get an error message that says " We are temporarily unable to complete this request. '' I have tried several times now to get access to my account, but this continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACTUAL DATA -The inquiry was not authorized XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX has violated my rights on XX/XX/XXXX. 
XXXX XXXX has violated my rights on XX/XX/XXXX.

15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make 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 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.

15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make 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 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. Delete account immediately.
Product: Credit card

Re : Synchrony Bank ( JC Penney account ). 
I never chose to do business with Sychrony Bank ( formerly called GE Credit ) but they handle JCP credit card accounts as well as credit cards for Lowe 's, Walmart and several other retailers. This complaint involves XXXX furniture purchases at the JCP store in XXXX, ID on XXXX/XXXX/15 and XXXX/XXXX/15. I first purchased a sofa and chair at JCP on XXXX/XXXX/15 which totaled {$1300.00} and canceled the order on XXXX/XXXX/15 for the same sofa and chair in a different fabric and color for a total price of {$1300.00}. I was offered " Special Financing '' on a 36-mo Interest-Free Plan w/a down pymt charged to my regular JCP account. The down pymt on XXXX was {$270.00} which has never been refunded to me after this order was canceled on XXXX and has remained on my acct balance for 4 mos@26.99 % interest. The XXXX purchase on XXXX was for {$1300.00} w/a down pymt of {$190.00} also applied to a regular JCP account. Both the purchase price on XXXX in the amt of {$1300.00} and the down pymt of {$190.00} were lumped into my regular JCP account rather than the Interest Free Special Financing over 36 mos so I 've had to pay 26.99 % for 4 mos now. No one at the JCP store in XXXX understands the stmts issued to JCP customers by Synchrony so they are no help. The monthly stmts are full of careless/sloppy mistakes so it appears whomever prepares these stmts uses XXXX only as a XXXX language and has no experience or understanding of billing for retail stores -- or else everyone at Synchrony is as corrupt as the institution of Synchrony Bk. The Home Store Supr at JCP in XXXX tried to intervene and told me who to call at Synchrony ( a Supr ) who would not take my call and has not returned my call. I have written to the JCP store in XXXX and to Cust Svc at XXXX to no avail. I feel like XXXX and would appreciate someone at CFPB intervening on my behalf. I 'm XXXX yrs old, a retired XXXX XXXX so I understand finance very well so I 'm outraged about what 's happened here and do not understand why no one at JCP seems to care how customers are being cheated at Synchrony. I have sent copies of my letters to the CEO at JCP. Synchrony Bank is a corrupt institution and does not regard JCP or other retailers ' customers as " customers ''. To them we 're just debtors and they treat us like deadbeats which I am not. The fact that Synchrony gets away with their corrupt practices is a result of deregulation of the financial services industries per " The Financial Services Modernization Act ''. I am asking for a refund of {$270.00} for the down pymt of purchase on XXXX that was canceled on XXXX and a refund of interest charged on that down pymt + the interest I 've been charged since XXXX on the " interest free '' 36-mo pymt plan and that stmts be corrected to reflect the interest free pymt of $ XXXX/mo for the XXXX purchase. As it stands now mo stmts do not reflect this pymt or the balance on the interest free plan -- both are simply lumped into the regular acct@26.99 % interest. Synchrony Bank should be in your data bank as you have received other complaints from this company which are filed online on XXXX.
Product: Debt collection

I received a letter on XX/XX/XXXX from Zion Debt Collections for {$620.00} for services from XXXX XXXX. I do not have an account from XXXX  XXXX and don't even know who they are. It seems like a scam letter. Letter states I owe this amount from XX/XX/XXXX.
Product: Credit card or prepaid card

Greetings, I rented a car for a few weeks on a few different occasions, on this particular purchase which is my most recent rental, the total charge was approximately {$1000.00} dollars, I had approximately {$550.00} dollars of available credit already on my Capital one card, that would have made my total balance due around $ XXXX {$500.00} ; this is my complaint Capital one Credit card company never deducted the {$550.00} of my available credit and state that I still owe approximately the whole bill of {$1000.00} dollars- to me that's a huge error and if I didn't realize I would be scammed out of alot of money..
Product: Debt collection

I had another collections agency report this account on my credit report last year and I got help with CFPB in removing it from my credit report. I was successful in getting it removed from my credit report by exorcising my rights under the XXXX for XXXX XXXX service members. I had no contact with anyone regarding this debt from this company. My credit report shows the original creditor is XXXX. My entire bill was ( so I thought ) waived and ended phone service free of charge due to being XXXX in the XXXX XXXX, and the months leading to XXXX. I had no knowledge of this debt, nor was I contacted. My old XXXX account that I had around the time I was XXXX was waived free of charge ( so I thought ) so this collection in inaccurate. It is currently affecting my credit score severely and I am the only source of income for my household. I have a wife, XXXX daughters, and another baby on the way. We have paid thousands of dollars in debt and then get hit out of nowhere with this. I am requesting removal of this from my credit report ( again ). This time it is showing under Sunrise Credit Service. I was not contacted in any type of way by this company and I was under the impression everything was fine considering CFPB helped with the removal of the previous debt collection agency. 
I have attached my XXXX orders to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a dismisses bankruptcy XXXX on my credit report that I did not file for via my subscription to Experian app. I submitted my first dispute to Experian on XX/XX/2018 ; on XX/XX/2018, I received notification that they alleged bankruptcy was verified. On XX/XX/2018, I submitted the second dispute and on XX/XX/2018, I recieved notification that it was verified. I recently disputed on XX/XX/2018 and on XX/XX/2018 again verified. I reached out to the bankruptcy court here and I was informed that they do not verify any information with credit bureaus or third party vendors. They also informed me that the PACER does not have access to full social security numbers. So, I know that they use several third party vendors. How is this information verified? Who verified this information? Who can testify to the accuracy of this information? Is it possible that the PACER   employee entered in information incorrectly. This is frustrating. My name is rather common. I know a few people with my exact name.
Product: Credit reporting

In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Constantly keep calling me, after hours different numbers. Telling me what I forcibly have to pay
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. The XXXX and XXXX 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}
Product: Payday loan, title loan, or personal loan

I scheduled my monthly payment online, the same way I always do. The day the payment was due, I received an email that said my payment was returned and a returned item fee may have been assessed. On XX/XX/XXXX, I received a letter from XXXX, stating that my payment had been returned due to NO ACCOUNT and a thirty-dollar fee had been assessed to my account. 
I have called multiple phone numbers many times, trying to reach someone to resolve this false charge but nobody answers the phone. They keep you on hold indefinitely, until you give up. I have also tried emailing them through their website, and it says someone will be in touch with me but nobody ever contacts me. They also have an option for texting, and that produces zero results as well. I called their corporate phone number and a receptionist answered the phone, but she said all I can do is keep trying the customer service line. 
I am filing this complaint, not because of the dollar amount, but because this is theft and this bank needs to be held accountable. 
I have read many reviews on this bank and see a lot of the same complaints that I am experiencing. 
XXXX : XX/XX/XXXX - scheduled regular payment online for XX/XX/XXXX. 
XX/XX/XXXX - received email that payment was processed. 
XX/XX/XXXX - ( payment due date ) Received email payment was returned unpaid. 
XX/XX/XXXX - Received letter in mail stating that I was assessed a {$30.00} fee for not having an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Product: Credit card or prepaid card

Chase is sending me unsolicited email messages, that do not contain any information that is relevant to the activity on my account, and does not provide an option to unsubscribe from those unwanted emails.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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 XXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you