23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Midland Credit regarding the inaccurate reporting of account information on my credit reports. The account in question, originally from XXXX ( Account Number : XXXX ), contains multiple discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The Date Last Reported and Date Last Active are incorrect and do not align with the account activity. Midland Credit has failed to ensure accurate and updated reporting as required under 15 U.S.C. 1681s-2. The payment history reflects monthly activity, which is inappropriate for a collection account. Collections accounts are not installment accounts and should not include payment history reporting. The original creditor, XXXX, was unable to verify this debt, further calling its legitimacy into question. I urge Midland Credit to reference XXXX XXXX XXXX, XXXX, where the court held a collection agency accountable for failing to verify accurate information.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I'm demanding that EXPERIAN delete-da this alleged account immediately. I'm expressing that I have the capacity to overstand my federally protected rights. They have NOT provided me PROOF of ANY documentation of my red wet-ink signature, that proves this alleged account belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not accept these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Credit card

I have auto account payment setup on my accounts at Bank of America.

I changed my payment sources bank for the auto payment..

Over a YEAR later BOA withdrew a {$2300.00} payment from two different accounts. This action caused one of my accounts to be overdrawn. 
I called BOA and asked for the funds to be returned, on the previously closed account, and to remove all access to that account. Boa returned both payments, put my account in a past due status and started charging me interest I immediately payed the boa bill ( now for the third time ) and then received an interest charge on my next bill, due to there errors!
Product: Mortgage

Hi XXXX. 



It has come to my attention that when we are late in our mortgage payment you always make advantage of adding late fees and attorney fee too. 

It's very wrong to charge the attorney fee just because we are late to make payment because sometimes things goes wrong and we try our best to make sure we are on time in remitting our rent. 



Last time I paid you the attorney money but you told me that it's because there was no communications between you and XXXX. 

Please let 's not add attorney fee on XXXX rent as I am trying to get the mortgage paid this week. 

Regards XXXX. 

This is only part of my problem. My fines have been accruing interest and i can not get a statement from him
Product: Debt collection

Regional Finance has been sending me collection notices in the amount of {$2100.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over 4 separate letters with XXXX, XXXX and equifax each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card
Product: Student loan

Requested refund of overpayments for : Loan XXXX Direct Loan Subsidized. Overpayment of {$520.00}. Still shows negative balance, Treasury has recevied no request to refund. 

Loan XXXX Direct Loan Unsubsidized. Overpayment of {$410.00}. Still shows negavtive balance, Treasury has received no request to refund. 

Demanding refund of overpayments made.
Product: Student loan

I saw on the internet that there are programs for Student Loan Forgiveness if you were a certain age or had paid several years on the loan and there were other categories. I called the XXXX XXXX XXXX and was told by XXXX XXXX that I may be able to stop payments for six years but I would have to sign a contract and pay {$900.00}. I filled out the contract on XX/XX/XXXX. {$330.00} was taken from my account that day. 
Later that day I noticed an ad that warned against this type of program, it stated that these program are sometimes fraudulent and never pay up front. I called on XX/XX/XXXX, XXXX, XXXX and left a message stating that I wanted to cancel and remain with my current lender XXXX and please return my call. On the XXXX I was able to speak with someone when I called and I requested that the money be replaced back on my credit card. I also sent a certified letter stating the same information. 
On XX/XX/XXXX I received an e-mail stating I need to make another payment, or the account would be turned over to a collection agency. I called and was transferred to a supervisor that said I had to pay the money because XXXX XXXX had spent lots of time with the contract. I have paid {$990.00}. I was told to send my tax return for XXXX but that I probably didn't qualify. When I called the next week I was told that I didn't qualify because there was a difference in the amount of my income I did not know that the RDM had to be added but they kept my money and has provided no services. I have called several times since then and they tell me we will take care of you. The last time I called I asked for a copy of the contract and I was hung up on. I can't understand how they can keep the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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

XXXX XXXX XXXX -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XXXX- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have opened a new XXXX  account last year, initially they informed me that there is a problem submitting my order, so they started a new account ( all the bills are paid up-to date ). Now they have charged me {$180.00} on the account that had the problem submitting. Eventually they submitted this amount into collections agency XXXX, Mccarthy and wolfe company, since then I have been trying to resolve the issue. I have submitted a dispute and they came with the result and said I need to pay that amount. This amount is wrongly charged and it is XXXX 's mistake, they are not willing to resolve the matter. I had talked to a person on XXXX side who had confirmed that the charges are invalid and they said they were going to resolve the matter, I am still receiving debt collection calls.
Product: Student loan

After reviewing my free annual credit report in late XXXX, I noticed Nelnet had been reporting to the credit bureaus that I had 16 missed payments with them. Confused, I called to speak with a representative about this error who informed me that because I have 4 separate loans with Nelnet, when I missed 4 payments during the summer of XXXX, ( XXXX, XXXX, XXXX and XXXX ) it is reporting as 16 late payments. 

I expressed to the representative that this reporting of 16 missed payments is a bit misleading as I only make one monthly payment to Nelnet that is then disbursed between my 4 loans. The reporting of " 16 missed payments '' is not a fair and accurate representation of my payment history with the lender. She advised me to send a " goodwill letter '' to the " higher ups '' since they are the individuals who have to power to approve those types of changes being reported to the credit bureaus. 

On XX/XX/XXXX I sent a goodwill letter via email to Nelnet 's six Executive Leadership team members. To this day, I have not gotten a reply about why this situation could not be worked out. 

I followed up in XXXX with the credit bureaus and was informed by all three that any changes made to the payment history has to be initiated by the lender in their monthly report.
Product: Money transfer, virtual currency, or money service

A request from my Paypal account, requesting a payment for something I never purchased or would purchase came to my personal email on XX/XX/22. When I went into my Paypal account, I found the request, and have alerted Paypal by forwarding the mail to XXXX. The email request did not say what the payment was for, only that it was due. I am providing a PDF copy of the Paypal request, which has the apparent instigator 's email ( but have obliterated my email information and the name, which was not mine ). I am concerned because someone not so alert might followup and send the money requested without checking if they use Paypal often.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a with CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX ( XXXX ) XXXX regarding them collecting a debt from me on the behalf of XXXX. I immediately explained to them that XXXX had already taken my money, but they did not believe what I was saying. After I hung up with them, I called my bank XXXX XXXX XXXX, and I verified that I did indeed make the payment that I was being called about. I then proceeded to take screenshots of my transaction list of my bank statements as well as calling XXXX who also verified that I do not owe them money. I then called the company back and told them to not call me again to take them off me off their call list because I no longer trusted their services. I also knew something was not right when I called back and got the same exact person who asked me about the debt the first time knowing that whenever you call back companies like that, you dont necessarily ever get the same person twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XX/XX/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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. 
I have never filed a bankruptcy all my life, this is not mine..I asked for evidence but they failed to supply..CFPB delete Bankruptcy : Discharged CH-XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX & XXXX XXXX XXXX, XXXX XXXXXXXX, NM, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019. I opened a membership card of Costco,  XXXX, P.R. I was attended by cuatro service supervisor XXXX. She provided an I requested orientation related to credit card which I was very clear that I would not qualify due I was work king on fixing my credit and eventually on this same month I was going to join with my mothers account to upgrade my credit points. Over my knowledge XXXX proceeded with the request I was not sure of the questions she was asking so I answered everything understanding it was for the membership. After waiting a few minutes XXXX mentioned I didnt qualify for the credit card and proceed with the picture for the membership. I explained that I was not willing to request a credit card due to my previous explanation. After membership was done. I proceeded to call CBNA ( the credit card company ) and explain opened a claim with XXXX. He mentioned this will be documented and should not be reported to credit bureau due to dishonest behavior of the employee he mentioned also will report directly to the XXXX store. Today I see this negative mark in my credit report. I also join with CBNA bank afterwards with no issues. I want the bad mark removed.
Product: Credit card

Hello CFPB, thank you for taking the time to review my complaint. On XX/XX/XXXX I went into a Wells Fargo branch and worked with a bank representative to close my Wells Fargo Checking account, Savings accounts ( XXXX ), and Credit Card account. I received notification that my checking account and credit card were still active and intact in XX/XX/XXXX, despite the fact that wells Fargo told me the accounts had been closed. In response, I returned to the bank on XX/XX/XXXX to close these accounts again and explain that there was an error and the accounts were supposed to be closed two and a half months prior. Today, on XX/XX/XXXX, I received word that my Wells Fargo credit card account is still open. I am frustrated with the misinformation that Wells Fargo has provided me twice now, concerned that more Wells Fargo accounts remain intact in my name ( despite my repeated attempts to sever my relationship and close my accounts with Wells Fargo ) and so I am filing a formal complaint in the hopes that more consumers are not misled by the bank. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX DATE OF BIRTH : XX/XX/year> SSN : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXX XXXX XXXXXXXX KY XXXX XXXX. XXXX XXXX XXXX, XXXX KY XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX, Kentucky XXXX Once you have removed the incorrect addresses from my credit report, please send me a copy of my updated report. 
Thank you. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent account was created with XXXX  XXXX about a year ago and i have been requesting for this to be removed off of my credit reports for about a few months now and ive had a hard time i have provided the creditors proof of birthdate from the account as wrong also
Product: Student loan

On Monday XX/XX/XXXX, I received in the mail a notice that my entire state and federal return had been taken by Ascendium Education Group to a total of {$9800.00}. When I called the number listed for this loan agency, I was transferred to another loan agency XXXX. It was at this moment that I found out that my loan is now in the hands of XXXX. I have been attempting to reach XXXX for an explanation of why my entire refund was taken by them, and they are currently not in office due to the corona virus and unable to take phone calls and instead are only operating by email. I wrote an email on XX/XX/XXXX stating my questions and due to the circumstances, hoping they will be empathetic and release my return either partial or full. I received a canned email with a attachment for an economic hardship application, not at all addressing one of my questions. 

I was not aware of my default status, either was my loan consignor. I had been on automatic withdrawal from my checking account for over a year to Ascendium Education Group and it appears due to an inputting error with my debit card, the past 3 months of automatic withdrawals were not going through. Does 3 months of a mistake really warrant a {$9800.00} seize of my funds? 

I have called MN Department of Revenue, the US Department of Treasury and both have been unable to assist me until I get information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from CAP ONE AF on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.