23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent certified mail ( XXXX XXXX tracking # XXXX ) to Navy Federal requesting them to remove the inaccurate information on my consumer report and to send me my 1099C form per Federal Law 15 U.S. S-Code S 1681-s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Reporting information with actual knowledge of errors. Once I received the verification that Navy Federal receive the information I waited for their response and I never received an outcome, so I sent XXXX different letters to XXXX, XXXX and XXXX so that they could start their investigation to remove but Navy Federal did reply to them stating that this information has been verified and it was not removed the instead Navy Federal changed the account amount on my consumer report from {$0.00} to over {$11000.00}. By law they have to remove this account or face penalties. I would like this to be removed immediately from my consumer report.
Product: Student loan

MEFA XXXX harassment and threats. We get multiple mailings and calls harassing us that our loans are " in default, '' even though I have paid in advance and have automatic bill payments sent at the same time every month ( not auto withdrawal ). When we set up the loan ( s ), we were never told that every semester there is a whole new loan and account assigned to each student so I had NO IDEA that my monthly payments were going to a non-early repayment account vs. the monthly payment account. 1 year after trying to resolve this, it 's still an outstanding issue that MEFA/XXXX says is putting ALL my accounts in arrears and will be sent to a credit agency. 
Recently, I was laid off and we called to adjust the terms of an in school payment plan and they said we needed to fill out a slew of paperwork, which we did. They then came back and said we were not only in default, but that we were now {$900.00} in arrears after only 1 month. They said that THEY had n't processed their paperwork but that we were still responsible for paying in interim. This is after we called to say I had been laid off and need to modify payments! 4 months have gone by and THEY have still NOT resolved this! 
This company borders on illegal and threatening behavior that I feel needs to be investigated and monitored for illegal practices and federal and state action should be put in place to force them to change their practices.
Product: Student loan

I received an email about my income driven repayment plan recertification almost two weeks after the original due date and less than 30 days before the extension of the deadline. MOHELA did not even give me a prompt reminder that there would be a recertification coming so soon like a month or so beforehand. I'm concerned that they are trying to put my repayment plan and status in jeopardy due to bad information coming through their official emails.
Product: Student loan

I have been working in the non profit art and education industry for the past 14 years. When I first graduated from college, I was told that I could not sign up for PSLF because I did not work full time at ONE non profit. I continuously worked " part time '' for multiple non profits being much more than 30 hours a week between the two employers. Whenever I would check with FedLoan, I would be told that I did not qualify for PSLF because I did not work full-time at ONE non profit. For that reason, I was not allowed to sign up for PSLF and there did not stick to IBR. In XXXX I finally started a full-time job at a non profit. I was excited to finally be able to work towards PSLF. Unfortunately when i called FedLoan, I was told that I couldn't enroll because I hadn't been enrolled in IBR plans previously. I was again told that part-time jobs ( that combined equalled 30+ hours a week ) did not count towards qualifying employment. At this point, I was told that while I did qualify to start making qualifying payments at the time, I shouldn't. The reason I was given was that I owed {$20000.00} and the service representative told me that I would pay off my debt before 120 qualifying payments were made. I was told that if I started doing IBR and PSLF I would be adding time on to my loan. Now, I learned that this person was incorrect and I could have made 120 qualifying payments by now had I started in the plan when I initially called. I have been frustrated about this for years but felt too defeated to bother trying to do anything about. With some student loan providers being held accountable lately, I was encouraged to just get my PSLF enrollment started now and file my complaint about previous misinformation. It is so frustrating that when I look at my PSLF document, it shows that I have made ONE qualifying payment ; when in reality I have been following the requirements since XXXX. ( When I refer to 'non-profit " I am referring to a qualifying 501c3 ).
Product: Checking or savings account

I understand from news reports consumer protection is low on the priority list for this department however this is important for all working Americans. We just recently had our B of A checking account stolen and used in an attempted fraud case. We learned that individuals can get Visa checks printed through places like XXXX on the cheap just using bank routing and account numbers. This is what happened here. Somehow a person or persons stole or lifted our account numbers had cheap checks printed and tried to use them to get money from the B of A. If it were not for the fact there is limit that triggers the bank to ask question this person would have succeeded. The bank manager explained this type of theft/fraud happens all the time, such that first time perpetuators are not reported to the police. All consumers using bank checks need to be protected from this type of theft. The bank should be the ONLY place checks can be obtained. Having outside businesses be able to print checks independent of the bank issuing the checks is just asking for theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account of {$400.00} from XXXX XXXX thats reporting in my name and it was opened in my name fraudulently. It was opened XXXX, 2019 I also have an account from XXXX XXXX in the amount it {$4700.00} that was opened in my name fraudulently. 

I need these removed from credit report asap its hurting my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

Capital one acct # XXXX has failed to validate this account under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.for this account is damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System XXXX XXXX XXXX XXXX, Ga XXXX ; XXXX XXXX XXXX  XXXX, XXXX, Ga XXXX XXXX I received a notice from National Credit System on XX/XX/2022 requesting payment for an alleged debt owed to XXXX XXXX XXXX XXXX I wrote to them on XX/XX/2022 via certified mail return receipt, requesting documentation for this debt. As of this date they have not responded or sent any documentation. I do not owe this debt! They reported this to the credit bureaus. My credit rating went from " Exceptional '' dropping to " Good '' which is two categories down and my rating dropped XXXX points because of their reporting.
Product: Bank account or service

This is a complaint against First Hawaiian Bank for its grossly incompetent management of its supposedly new and improved website. I 've been a customer since approximately 2003, and I have never had problems with my account as bad as I have in the last few months with the roll-out of the new site. 

Tonight, I spent one hour trying very hard to access my account online and then trying to transfer funds. Along the way, I made two phone calls to FHB Online where I spoke with a total of four representatives. Not one of them had even the slightest clue of how badly the site was performing. Specifically, every time I tried to perform ANY operation, the site automatically displayed an error message. When I tried to make an external transfer FHB Online stopped the attempted transaction and said it would send a code to my phone for verification. But FHB never called my phone -- even after an hour. The broken system did nearly the same thing when I tried to ( re ) add my XXXX account as an external account. FHB displayed a message that my XXXX account credentials were invalid. ( Yet these were the same credentials that I have been using on my XXXX account for years. So there was nothing wrong with my XXXX online ID, password, or pin. ) But far and away, the very worst issue was my truly sad experience with " XXXX '' in the Online Banking Department. ( She said it was bank policy to refuse to provide her last name or even an employee number. ) Despite the incredible amount of time XXXX and I spent on the phone with her asking me the same questions over-and-over again, she could not understand that the FHB site was not performing as she expected it to. For example, she insisted there would be a blue arrow in front of my name. After asking me about this three times, I refused to answer the same question anymore. I had enough with the FHB site and its employees who were deeply in the dark about the site 's issues. 

There is obviously something seriously wrong with the FHB website. It is not performing adequately. While I was on the phone with FHB, I had absolutely no problem accessing my XXXX and XXXX accounts. So the issue is not my connection -- and hopefully not even my XXXX browser. Clearly my access to funds through the site is blocked. But I am far more concerned with FHB 's employees ' inability to troubleshoot, assist, or even acknowledge something is wrong.
Product: Credit reporting or other personal consumer reports

This morning, I was completely shocked to discover inaccurate accounts on my credit report, and I have no clue how they got there. I regularly check my credit report, and this time, unexpected discrepancies just showed up. I tried refreshing my browser, thinking it might be a mistake, but the errors didnt disappear. This is really unsettling, so Im asking that the documents Ive provided be carefully reviewed so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed i had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ). 

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.
Product: Debt collection

Slip and stylianou has had my wages garnished last year for a debt that a judgement was placed in XXXX of XXXX, that I never recieved a summons or any paper about until wages were being garnished in XXXX of XXXX. The original debt was for a credit card of {$600.00}. During the last year of employment with my previous employer I had a total of {$1600.00} taken out. I called the above mentioned law office and was told a different amount than what's on my sheet from XXXX that's due. The judgement amount shouldn't change to be higher when payments were made. XXXX XXXX XXXX is saying that only a few XXXX dollars has been paid. I don't understand what the correct totals are and was not properly informed back in XXXX that it was even being taken to court. With what I have paid so far and statue of limitations with the original debt passed off to a creditor it seems unfair to have to keep paying now.
Product: Credit reporting or other personal consumer reports

" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by XXXX, XXXX, Transunion, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX balance, and all in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.
Product: Mortgage

After receiving a Covid-19 hardship forbearance, I was shocked to discover that Wells Fargo was going to require that I pay back the entire amount I owed while receiving the forbearance. If I couldnt pay this amount, they threatened foreclosure.
Product: Credit reporting or other personal consumer reports

To whom it may concern ... ..I have exhausted all means to resolve this issue and at this point made several attempts and have failed ..... 
I challenged the validity of account thats being reported on my credit report. After challenging this collection with ( XXXX XXXX, XXXX or Experian ). The account was subsequently deleted and removed based on the lack of ability to verify the accuracy. I noticed as A result of challenging this account with. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. I am requesting your methods of verification for this account in writing. please DELETE and REMOVE this account from my credit report immediately. 

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

on XX/XX/XXXX, my balance was showing on my phone app and the website using my desktop as {$14000.00}. The amount due on XX/XX/2021 was {$500.00} and something dollars ( I can't remember exactly ). I made a payment that day of {$720.00} so it would bring the total down to {$14000.00}. On XX/XX/XXXX, I look at my account and the balance on my account was {$14000.00} instead of {$14000.00} and some change. In addition instead of showing that I have {$0.00} due, it showed that I have {$62.00}. I called the company on XX/XX/XXXX to be told that " oh no worries that will be fixed within day or two. The system has not updated yet. Yes we know you should not have any amount due. '' I waited until Friday, XX/XX/XXXX and called again. I got a representative who told me that he put an order to fix it and that it should be done by Monday at the most. Monday, XX/XX/XXXX came around and nothing was fixed. I called again and again I wait on hold for over an hour but this time I got a " rude '' representative who put me on hold over 5 times back and forth and then finally came back and said that " my manager is literally working on it right now '' and that it should be updated very soon and to call them again on Friday if it is not updated. When I got upset and said that I am not going to call and that I am going to report the company he started getting very rude with me and arguing with me and told me '' ok, don't call! '' So, I am not playing games here and this is a serious issue. You charging me for money that I am not supposed to be paying and not reflecting the right total amount I paid on my account.
Product: Credit card

My wife and I have an account with Chase United Explorer. We use this account to buy tickets when traveling on XXXX XXXX. XX/XX/2023 I purchased XXXX fully refundable round trip tickets from XXXX XXXX to go XXXX to XXXX and back for {$1400.00} each. During XXXX, when making arrangements for hotels in XXXX, I made XXXX changes to those tickets on the same credit card. I have a spreadsheet showing the net for all this activity became XXXX fully refundable round trip tickets from XXXX XXXX to go XXXX to XXXX and back for {$1400.00} each. The tickets were for flights outbound XX/XX/XXXX returning XX/XX/XXXX. On XX/XX/XXXX my wife was being treated for a XXXX XXXX and we decided that we had to cancel our trip. I called XXXX XXXX and asked for a refund. They said that my tickets were not both purchased on the same credit card and that they would only refund XXXX ticket. I argued the point. Finally, with not resolution in sight, I put XXXX of the original tickets for {$1400.00} on the Chase credit card into dispute. I considered this a placeholder until XXXX refunded both tickets on my credit card. After some more back and forth with XXXX and faxing them a spreadsheet showing all the credit card transactions and what they added up to, XXXX agreed to credit my XXXX account for the full XXXX ticket amount of {$2800.00}. They did this on or about XX/XX/XXXX. The money showed up as XXXX - {$1400.00} transactions on my credit card a day or XXXX later. I then called Chase Customer Service and asked them to put this money back into the checking account that I use for paying this card. They did this on XX/XX/XXXX. However, for reasons that I can not comprehend, they removed all trace of the XXXX credits from my account. Also, the XXXX Chase statement started showing a - {$1400.00} XX/XX/XXXX XXXX credit that was not carried over in the totals for that bill. In the middle of XXXX Chase Disputes called me and asked if they could remove the suspended payment. I asked them why it wasn't removed when XXXX XXXX and I settled the dispute a month earlier. They had no excuse but said that they would remove the dispute now. A few days layer I saw that the {$1400.00} was now showing as something that I owed Chase Credit Card company. I called Chase Credit Card XXXX and Disputes to get this corrected. Credit Card Services said that they understood but that Disputes had to fix this. Disputed refused to fix it. I could not get both on the same phone call. Finally I faxed and then mailed all this information ( account statements, spreadsheet, cover letter ) to Chase. They responded with a standard letter saying that they could not find any evidence of a billing error and that the charge would remain on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX