23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My son stopped paying his student loan because of a divorce. By the time I found out he was behind he was almost in default. I am the co-signer of his student loan that was XXXX and is now Navient. I have taken over the payments because he just can not afford to pay them. I have spoke to Navient on several occasions to try and work out more affordable payments but they say I need my son 's information that I can not get. 
the loan is presently {$1700.00} past due. with a 10 % interest rate. I have made several attempts to bring this current but they have not been willing to help me get an affordable monthly rate. they will not decrease the interest rate, put the past due amount attached to the rear of the loan. I have been paying the monthly payment of {$250.00} -- the actual monthly payment is {$240.00}, trying to get the past due amount down since I can not pay the full past due amount. I pay {$250.00} /month and only {$37.00} is going towards the loan the rest is interest upon interest. Now I see the interest rate was changed from 10 % to 10.25 % - so instead of paying {$200.00} in interest it is {$210.00} .... how can I ever catch up or make a dent in the payment. 
original loan amount was {$17000.00} -- - now the repayment balance is {$26000.00}. PLEASE need HELP as soon as possible.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I need this company to prove that that is my signature on the documents that they claim they have. If that signature can not be proven to be mine, then this fraudulent information needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I have had hard inquiries on my cre dit from PayPal. I h ave never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all fro m syncb/ppextr. I looke d it up and it i s PayPal.   These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it  is PayPal again. I have not authorized anything for PayPal.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX 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 in 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit card or prepaid card

This company is not actual XXXX XXXX. You can not contact them or make payments on the website it is always down! I tried contacting them about my card being lost and they claimed I owed XXXX then XXXX different amounts everytime! They're dispute /fraud dept is closed! And now I have them on My credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto XXXX. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law. 


reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Truist Bank continues to adversely impact my credit report by showing accounts that should have been removed due to age of financial history.
Product: Student loan

MOHELA has been adding interest to my student loans while under 0 % interest forbearance during the SAVE court injunction and administrative forbearance. I have previously filed a complaint against them in XX/XX/XXXX with the DOE. I received a generic response from both agencies and am still having a continuing issue with accruing interest. On XX/XX/XXXX my loan total was {$36000.00}, XX/XX/XXXX it was {$36000.00}, XX/XX/XXXX it was {$36000.00}, and today ( XX/XX/XXXX ) it is {$36000.00}. I sent another message to them about this issue today ( XX/XX/XXXX ) but due to their poor customer service and response times I do not expect a response for over a month and it to be yet another generic response. I will be filing another complaint with the XXXX as well when their website is done with maintenance this morning ( XX/XX/XXXX ) but also expect the same result as before. Based on XXXX posts by others experiencing this same issue, calling will result in poor customer service passing blame between MOHELA and the XXXX.
Product: Credit reporting or other personal consumer reports

The XXXX child support has violated my rights by reporting and active a count as late and by law 15 us code 1666b a creditor my not report an late payment under any purpose
Product: Debt collection

This company without conduct any validation process reported a debt that docent belong to me, in my XXXX credit report ; this unverified information causing me to get denied a car loan. Section 1006.30 ( a ) ( 1 ) provides, in relevant part, that a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before taking one of the actions described in 1006.30 ( a ) ( 1 ) ( i ) or ( ii ). Each of the actions includes conveying information about the debt to the consumer. The validation information required by 1006.34 ( c ), including such information if provided in a validation notice, is information about the debt.15 U.S.C 1681 section 602 A. States I have the right to privacy. S15 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.
Product: Payday loan, title loan, personal loan, or advance loan

In hardship due to my income cut. Can't make ends meet. More has been put on me. Need debt total forgiveness.
Product: Credit reporting or other personal consumer reports

I have submitted my inquiry removal letters to all credit reporting agencies : Experian, XXXX, and XXXX. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by XXXX, Experian, and XXXX. XXXX, Experian, XXXX are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. XXXX, Experian and XXXX has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - Date last active - XX/XX/XXXX ( Experian ) XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}
Product: Debt collection

I was the victim and I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. 
I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
Bankruptcy XXXX  XXXX dismissed Reference # : XXXX PLEASE DELETE!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.
Product: Credit reporting or other personal consumer reports

XXXX is trying to collect on a debt that is not owed. I have requested several times that XXXX remove all reporting from the all XXXX credit bureaus. I do not owe any debt to XXXX. In fact, XXXX has provided documentation dated XX/XX/XXXX stating my account payments have been timely and I do not owe any debts. Additionally, I have attached the email from XXXX stating my coverage ended on XX/XX/XXXX, which is well before the date on the letter of XX/XX/XXXX. Despite XXXX having this documentation and me providing them with it further, XXXX is willfully reporting inaccurate, fraudulent information which is resulting in massive harm to my credit report. I demand XXXX delete all reporting from the credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

Experian, XXXX, and XXXX have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( a )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Checking or savings account

On XX/XX/XXXX I noticed that both my business and personal checking accounts were no longer present in the app. When I went to a branch I was told to call a number, when I called it was the risk management and no one is telling me a reason why my accounts are closed but I was told they are being closed due to them no longer wanting to do business with me. My account was in the process of being closed, I tried to get an understanding of what was going on but no one at all would explain or help me understand. On XX/XX/XXXX I spoke with a regular rep and a sup and was told by the sup that the account was technically still active and I could withdraw the funds. It was XXXX at that time and my local branch didnt open until XXXX. I arrived at the bank around XXXX and waited until they opened. At XXXX I entered and was told the account was not inactive and I could not do anything about it. I was advised I would receive a check when the account was fully on XX/XX/XXXX!!! As of XX/XX/XXXX I have no way to pay my employees on XX/XX/XXXX or funds to conduct business
Product: Checking or savings account

On XX/XX/XXXX I attempted to make a payment via the bill pay system. A new screen with the following language appeared : " We may use a secure, single-use bank card to make this payment. 

By completing this transaction, you hereby authorize us to process a one-time electronic debit from the account you provided, for each payment listed. The funds will be used to pay your bill ( s ) per your instructions given. If you have any questions regarding your payment or wish to revoke this authorization prior to the payment being processed, please contact Customer Service. Once processed, payment ( s ) can not be canceled or modified. Payments made after the cutoff on a business day will be processed the next business day. We recommend that you print/save a copy of this authorization for your records. Click Confirm to complete or Cancel to terminate the payment process. '' I could not submit a payment without consenting to these terms which seem confusing and far reaching. I immediately contacted the bank and asked the following questions : 1 ) Will customers know in advance if the single-use bank card payment option will be used? The clarity of the type of payment ( ie, check, electronic, single-use bank card, etc. ) being used in advance allows the customer to make an informed decision. 
2 ) Will the card recipient be able to contact the bank card issuer to request a check and/or transfer bank card funds to a bank account without incurring any fees?

3 ) What fees, if any, are charged for using this card and/or maintaining a balance on the card? 

I would like CFPB to help me get answers to these questions as well as review the legality of making such a change to bill pay without specific terms being shared with existing customers. 

I have contacted several people that receive regular payments from me via bill pay that have said they would not be willing to accept funds via a single-use bank card instead of a check or electronic payment. 

I want to know what rights I have to refuse the issuance of a single-use bank card on my behalf, especially without advance notice and the actual TYPE of payment displayed at the time of the bill pay transaction is CHECK or ELECTRONIC and not SINGLE-USE BANK CARD.
Product: Credit card

i called Chase bank to report the fraud transactions which did not make by me in XX/XX/2024 my card was got stolen and they used to buy for many different things. the first time chase credited back to me and investigate. After 2 weeks, they put it back and said that i made those transactions. Clearly, i did not make transaction to go travelling and spending money on luxury things. Chase makes me have to pay for these transactions. they replaced my card. However, there is a fraud transaction still charge in my account in XXXX so they replaced my card again. I am not sure why my account is charged by someone again and again and Chase make me responsible for it.
Product: Checking or savings account

I have been trying to get access to my funds and the company MoneyLion will not let me transfer my funds out. I have called, emailed and messaged through the app. They will not provide access to my funds. It has been over two weeks and they are stating that unless I set up a membership with them I can not have access to MY money.
Product: Consumer Loan

I called in and spoke with a respresentative by phone.XXXX and he was not able to work out arrangements with me. He mispronunced my name I advised him I was considering bankruptcy but I wanted to work out arrangements. XXXX then told me he will set up arrangements after I spoke with his supervisor for XXXX then he came back on the phone. Asked for my phone number and email and I advised that I would not be able to provide that information. He can only notify by mail only. He refused to take my payment arrangement after I told him I would report the business to CFPB. I will be looking to take legal action based on this call.
Product: Checking or savings account

Wells Fargo XXXX  {$900.00} unauthorized transactions Stolen bank information Closed account but still have unpaid authorization payments I am be held accountable for. Ive been trying to open a bank account and work on my credit can not proceed until my identity is safe because of the Wells Fargo in authorization payments are taken care of. Please help me handle the best solution to resolve my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX a month for a service that dont work. I called several times and the employees didnt understand. They would give me a number to call for global services and I ended up back speaking to the sameness people. Very frustrating to explain the problem to 8 different people in one day and still no results. This has happened before so I canceled the service and restarted it and now its doing the same thing. I do y have money to throw away. I am really afraid that my credit isnt being monitored at all. The report does not update nor the alerts. They had the nerves to tel me I have pulled my credit too many times. That I needed to verify my identity by sending in proof. Ive done that and still no results.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.