23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a federal loan from back in XXXX. After I graduated it was through Sallie Mae. Eventually it was consolidated and ended up with Navient. 
I've been paying them and in and out of deferment over the last 10 years or so. I am a single mom with a very low income and when I heard that we would have a chance of having loans forgiven I was so happy. In XXXX of XXXX I called Navient to find out what I needed to do so I could be eligible for the loan forgiveness. They told me my loans had to be consolidated but that I had already done that when I was with Sallie Mae so I didn't need to do anything else. I believe them, because they should understand this, not me. So I waited. And waited. I just found out this week when I called Navient back again that I was supposed to have consolidated my loan somewhere else, but they said it was too late, the cut off was XX/XX/XXXX. I was sick to my stomach. I couldn't believe that they had told me I was going to be eligible back in XXXX and I didn't need to do anything else, only now to to tell me, it's too late, you can't do it anymore. I was so very upset. I believe this loan forgiveness incentive was really targeted for struggling people like me. I have XXXX son about to start college and i'm not even student loan free myself. I really need someone to help me. Please tell me there is a way that I can still be eligible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from Discover. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Product: Debt collection

XX/XX/XXXX phone call about debt from National Credit Systems in XXXX Georgia. 
XX/XX/XXXX returned phone call Advised that they had mailed paperwork to vacant apartment EVEN THOUGH the original ceditor was advised of the address several times by email. 

Nationals credit services ( Ms. XXXX ) advised that this would be reported to the credit bureaus no matter what and that yes, they had mailed it to the vacant apartment, and nothing was mailed to the co defendant ever. 

There is no judgment. 

The debt is inflated no inspection report was ever filed Shifty and vague about explaining to me how to dipsute, since they never provided me notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Department XXXX EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Reporting of Student Loan Transfer Dear Department of Justice , I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the inaccurate reporting of my student loan transfer from the Department of EducationXXXX XXXX XXXX for Public Service Loan Forgiveness ( PSLF ). This matter has resulted in significant harm to my financial standing, as it is preventing me from attaining a mortgage due to the duplicated reporting on all three credit bureaus. 

My student loan account, with the reference number [ XXXX ], was transferred to XXXX in accordance with the PSLF program. However, despite this transfer, both the Department of Education and XXXX have failed to update the reporting on my credit file, leading to the duplication of the outstanding amount of {$68000.00}. This discrepancy has had a severe impact on my creditworthiness and is impeding my ability to secure a mortgage for the home that my great great grandfather built with his own hands. 

I have made multiple attempts to rectify this issue by contacting both the Department of Education and XXXX, even XXXX, but regrettably, my concerns have not been addressed, and the inaccurate reporting persists. This situation is not only causing financial harm but also hindering my ability to pursue the benefits rightfully granted through the PSLF program.

I kindly request an immediate and thorough investigation into this matter, along with the prompt correction of the inaccurate reporting on all three credit bureaus. Additionally, I seek assurance that measures will be taken to prevent such errors from occurring in the future, ensuring that borrowers are not unfairly burdened by the consequences of inaccurate credit reporting. 

I appreciate your prompt attention to this matter and expect a timely resolution to prevent further damage to my credit and financial well-being. Please provide confirmation of the actions taken to address this issue at your earliest convenience. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lanier collection accounts {$140.00} {$77.00} {$200.00} {$110.00} {$37.00} {$7.00} {$51.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

Dear LexisNexis XXXX XXXX, I am writing to formally request the removal of adverse items from my consumer report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which provides special protections for survivors of trafficking.

I am a victim of human trafficking, and the accounts and information listed below are directly associated with fraudulent activity and coercion that occurred during the period of my victimization. As required under the FCRA, I request that these items be removed from my consumer file within four ( 4 ) business days of receiving this letter, per the stipulations outlined in the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit card or prepaid card

At the end of XX/XX/2023, I received a bill in the mail from The Swiss Colony, but I have never had an account or placed any orders with them. I later discovered that this was likely an accidental order made by my aunt meant to ship to me, but she must have switched around the billing and shipping contact info. My aunt is older and isn't really sure what happened. What really concerns me is that Swiss Colony appears to have allowed my aunt to buy on credit ( BNPL ), but in my name. This means that they are extending credit in my name without my authorization or identity/credit verification. While my aunt knows my name and address, she wouldn't be able to complete a basic identity verification in my name. I have reached out to The Swiss Colony and let them know I didn't place this order and asked them to cancel the order and delete the credit account, but they refuse to do so without me hiring a notary and mailing a notarized letter to them. It seems rather inappropriate that they are requiring me to go to these lengths and incur these costs to verify my identity when the whole reason this XXXX bill was mistakenly created in my name is that they did nothing to verify my identity when the order was being placed.
Product: Checking or savings account

On XX/XX/2022, at approximately XXXX hours, I requested that a cashier check be made for XXXX to the XXXX XXXX XXXX XXXX XXXX. The Chase Bank Associate informed me she was going to charge me XXXX for this cashiers check. I informed this person ( name unknown ) that I was grandfathered in and do not have to pay for cashiers checks. 

Bank Associate then informed me we changed the policies on those who were grandfathered in and sent out a letter to reflect that. I did not receive any letter via United states mail, nor via email from Chase bank that informed me I would be charged for cashiers checks. 

It should be noted I do not have a check book but only make purchases via debit card or through the cashier checks when appropriated. Secondly, My original contract with chase stated I would not be charged for cashiers checks and have not been approached by Chaser Bank affiliates with a new contract, nor have I been informed to sign a new contract with Chase. In essence, Chase Bank is breaching their contract with the consumer and now charging XXXX for a cashiers check. 

I have been with Chase Bank since the XXXX XXXX I would like this matter to be investigated for inappropriate abuse of power to overcharge for a cashiers check. 

Thank you in advance, XXXX XXXX
Product: Student loan

Attempted to contact Navient on issues related to tax documentation for my student loans from XXXX College previously located in XXXX XXXX Minnesota. I needed to contact a department to clear up any issues regarding ineligibility for tax deductions. I called their customer service line listed on their website, I was routed to the collections team. I explained I would pay the past due balance online and asked to be transfered to the customer service, or any department that could clarify my tax information, the service rep advised he was unable to transfer me anywhere until my account was brought current. I spoke with his supervisor XXXX, who advised the same thing, once my account was 15 days past due they were unable to provide me a direct customer service line or transfer my call out. I do not believe this company should be able to withhold information on my account due to it being past due, by doing this they are not allowing me to correct my tax information and opening me up to risk on misrepresenting tax deduction information to the IRS. I clearly outlined I did not need the current years information, but instead needed to resolve an ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX AND XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 EXPERIAN XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit reporting

I sent in XXXX police report and the federal trade commissionand Equifax erfuse to removethe refuse to remove XXXXinquiries keep on getting d different answers.sent in what asked for and unable to get my credit report have to call in everytime. XXXX sent up not fixed. there response is to cancel need to monitor my creditreport due to identity thief. charge me XXXX and what to cancel instead of deleting old reports.
Product: Debt collection

This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another one of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XX/XX/XXXX, when my last credit report pulled was XX/XX/XXXX and they were no where to be found.
Product: Bank account or service

An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX
Product: Checking or savings account

Claim # XXXX Amount : {$2700.00} On XX/XX/2018 I noticed activity on my account that I did not authorize. I contacted Bank of America immediately and reported all of the charges that I did not make and verified charges that I did make. I informed the fraud specialist I spoke with that I live in XXXX XXXX, Florida and did not visit XXXX XXXX XXXX and I dont know how or why there are numerous charges occurring in XXXX XXXX XXXX which I didnt authorize. The claims specialist started a claim in the amount of {$2700.00} with claim number of XXXX. I was advised that I would need to wait ten business days for an answer to my claim. On XX/XX/2018 I was advised that my claim has been denied. I called in and spoke to a claims supervisor by the name of XXXX who escalated my claim after she found discrepancies relating to research the analyst used to deny my claim. I was advised my claim is still open, but bank of America hasnt provided any temporary credit, nor documentation as to the current status of my claim. 

I personally reached out without Bank of America 's help to the numerous merchants where my card was fraudulently used and ascertained as much information as I could. I also reached out the XXXX and XXXX precincts of the NYPD in-regards to the fraud and was told by a detective XXXX that Bank of America will have to pursue it. 

The reason I am filing a claim with the CFPB is that Bank of America did not adhere to the ten-day investigation guidelines. My claim is still open and yet my account hasnt been temporarily credited and no other information has been given. I want my claim to be investigated and the Federal guidelines followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a consumer who was negatively impacted by Equifax 's nationwide credit scoring error this XXXX. These are the reasons as follows : On XX/XX/2022 my credit score dropped XXXX points from XXXX to XXXX because my on-time payment history increased from 96 % to 100 % ( this does not make sense ). 

On XX/XX/2022, my credit score dropped again XXXX points from XXXX to XXXX because the negative payment history on my XXXX XXXX credit card was removed, my credit card utilization decreased from 24 % to 7 %, and my XXXX XXXX payment history now showed 100 % payments on-time ( again, this does not make any sense ). 

On XX/XX/2022, I was notified that my missed payments were removed which increased my on-time payment history for my US Department of Education account which dropped my score XXXX points from XXXX to XXXX ( does not make sense )!!!
Product: Money transfer, virtual currency, or money service

Date XX/XX/XXXX XXXX around XXXX XXXX ( roughly ), went into my XXXX account, i judt received a check, a small check, but one that took 3 months to get as a refund for equipment i bought from XXXX XXXX. This is normal processing time on these sorts of refunds. Anyhow I go into app and I see I'm able to cash check within their app through Ingo or IngoMoney ( not sure official business name ) a XXXX subsidiary company. I go through the verification process, I get approved. I select " instant deposit '' which charges a fee which is fine, I agreed to that. It has me take photos of the check like a usual mobile deposit. It the goes to a " waiting for approval '' stage which takes about 5 min. It comes back approved. It then instructs me to write VOID on front in large letters, again nothing out of the usual. I submit ( and remember this is after I get the check approved not before ). It comes back after I take the photo with the writing void on the front, " you didn't write VOID on front of check '' I figure it's their glitchy AI not detecting the writing. There's no option for me to resubmit anything I get an email from them saying is approved but need further action ( like a reupload of the image of the void check ) then 3 minutes later I get an email saying they are closing my account for whatever reasons. Obviously they can do what they wish with opening or closing accounts that's fine, but the complete lack of any disclosure about getting approved then suddenly closing the account leaving me with a worthless VOIDed check that took 3 months to get is ridiculous. If they didn't want to approve me that's fine, but it should have been done up front, and not tell the customer completely opposite information contrary to this. They told me " yes your approved '', " check cleared '' etc multiple verification walls ( personal like SSN/personal info ) a long with check verification which passed through the system as it took a while. The reason I'm complaining isn't about the amount it's the fact that it's going to take another 3 months to get a replacement check, there isn't even a human to speak to about replacements so I don't even know how to go about that. Also I'm complaining because I don't want this to happen to someone else with maybe their weeks salary or something. That would be a very bad situation for someone living paycheck to paycheck with a family so I'm just trying to think about other people not just myself. The lack of caring besides " just request another check '' is sad and horrible customer service and a flawed system. Hopefully this makes some impact to have some change so this doesn't happen to someone else in dire need who decides to use this awful service. 

Thank you for your time, XXXX XXXX XXXX XXXX
Product: Debt or credit management

I signed up with Strategic Finance Solutions and between XX/XX/XXXX and XX/XX/XXXX I sent {$1000.00} per month to have credit debt settled and paid. The Money was sent to XXXX XXXX XXXX XXXX XXXX XXXX. 

On XXXX occassions, they failed to represent when lawsuits were filed. When CFPB filed a lawsuit against them in XX/XX/XXXX, they stopped answering their phones and talking to creditors.
Product: Debt collection

On XX/XX/2021 I sent a letter to KHOLS/CAP ONE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX