23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

EdFinancial has been transferring loans to their new system in batches. My loans began transferring on XX/XX/XXXX, and I am still not able to log in and resume payments. I first sent an email that I did not receive a reply to. I also attempted to use the Chat system on their website, and was disconnected after 10 minutes. This occurred three times. After waiting on hold for 1 hour and 13 minutes ( when the automated message stated the wait time was 50 minutes ), I was able to speak with a customer service representative named XXXX on XX/XX/XXXX. I was advised that loan transfers take about 14-20 business days. Since my loans began transferring on XX/XX/XXXX business days would be XX/XX/XXXX. She advised they were experiencing some delays. She estimated my loans would be finished transferring " sometime soon ''. I am greatly concerned that I will not be able to make a sizable loan payment prior to interest resuming on XX/XX/XXXX, and thus have unnecessary interest payments. EdFinancial 's technical difficulties should not cost me money. After researching this issue online, it seems that many other student loan borrowers are in a similar situation. 

On XX/XX/XXXX I attempted to use the chat on EdFinancial 's website and was not connected. I called at XXXX and was told there was a wait-time of 320 minutes, so I requested a callback. A representative did attempt to call me at XXXX, but I was working and unable to answer the call. I called again at XXXX to enter their queue, and requested another call back. I even consented to being called back later than XXXX, if needed. I did not receive a call. Today ( XX/XX/XXXX ), I called when they opened at XXXX to request a call back. At XXXX I did receive a call and spoke with a customer service representative named XXXX. She was unable to provide me with an update regarding my ability to access the new system, as she stated my loans were still being transferred. She stated : " Is there some reason that you need to access your system before Friday? Interest accrues then, but payments do not resume until XXXX ''. I informed her that I was looking to pay off about two-thirds of my balance to avoid paying unnecessary interest. She did put me on hold to research the matter further. When she returned, she was unable to provide me with further information. When I requested to be connected with a supervisor, she stated that " they will just tell you the same thing '', and refused to escalated my concern. XXXX also acknowledged that she was able to see this complaint and that I would have a response by XXXX. Student loan interest resumes in 2 days, and it now is a certainty that interest will be accruing on my principal balance. I am upset that I will be charged significant interest, which accrues and compounds daily, on a balance that I was planning to pay prior to this date. Thank you.
Product: Mortgage

I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : Westlake Financial Services wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
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Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

Accounts : XXXX XXXX {$9600.00} XXXX XXXX  XXXX XXXX {$38.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX {$610.00} XXXX XXXX XXXXXXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX XXXX {$16.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I never owned this debt and I never signed an agreement or gave any documentation to even start a contract with them. I asked for supporting documents they refuse to show. This debt is not mine. I requested Proof of ID, Residency, Handwritten Signature & Supporting Documents To Prove This Debt Is Mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 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 XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5200.00}.
Product: Debt collection

After discovering that this company had placed a " paid collection '' account on my credit reports, I disputed the account with the credit bureaus. The account came back " verified ''. On XX/XX/XXXX I sent the company the attached letter. They ignored it. On XX/XX/XXXX I filed a complaint with the Better Business Bureau and they ignored them as well ( please see attached ). I am now filing a complaint with the CFPB. We will see if they will ignore you too. I am a veteran of our military forces. I did not fight for this. What is going on in our country?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a user of XXXX XXXX I reached out to XXXX XXXX to inform XXXX XXXX that XXXX and Transunion are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from Trans-union and XXXX. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXXXXXX XXXX. Based on the time frame, XXXX XXXX should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as XXXX and trans-union XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.
Product: Mortgage

In a nut shell. Initially I was with XXXX. Now they switched me to Greentree. XXXX solicited me to refi for a lower mortgage rate. Instead of doing that they force placed flood insurance on me started taking over paying my taxes and homeowners policies and demanded an extra {$1200.00} a month for an escrow account upon which they were not contracted to do. I have submitted all proof from FEMA since 2008 that I do not require flood insurance but they did not care. They began pre-foreclosure on my home, despite the fact I have not had a late payment with them in years. I have since paid legal fee 's and mortgage rescuer fees in addition to the {$1200.00} they demand for escrow. Not of this makes sense and they refuse to reply to anyone including my attorney who has all the paperwork. His name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXYou can also contact my Insurance agent XXXX XXXX from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's XXXX. Despite the Class Action Lawsuit lost against XXXX they continue to try stealing my house from me, ruining my credit and XXXX every last penny out of me. Thank you for your help and consideration.
Product: Debt collection

XXXX  deducts funds each month and is paid more than XXXX XXXX XXXX XXXX  over a 3 year period. Now suddenly Plaza Services LLC is trying to collect the entire paid Balance of XXXX
Product: Credit card

First and foremost my dispute is with Amazon I had canceled XXXX  XX/XX/2022 however it appears a company this large feels that they're untouchable once I canceled it they went to another card that was on file which was my Chase Amazon XXXX XXXX they continue to charge I disputed it with my banking institution Chase who then stated they can't do anything past 118 days I then disputed it with Amazon provided them the screenshot it took me 40 minutes to finally get a hold of someone after circling throughout their website which is purposely designed to be difficult to navigate and get the answers that you need especially when it comes to canceling or anything that has to do with the Amazon XXXX aspect of it with that being said I then incurred interest charges on top of that which Chase Amazon refuses to lower this is a trifecta of issues that have happened and it's just added to it I am not here to abuse any type of system however I do not feel that I should be taking advantage of as a consumer by a multi-billion-dollar company as well as a multi-billion dollar banking Institution. 
I have found many published articles one that struck me interesting is by an underwriter to a bank who noticed Chase Amazon Amazon themself create a conundrum for their clients pretty much in the same situation that I'm dealing with more so on the interest fee and charges aspect from Chase but Amazon as well with the loopholes that they have and continuing to charge people even after they've requested cancellation and gone through the motions for cancellation of XXXX. 
In addition XXXX  promises to have things there two days or less a majority of the time that was not true so that is why XXXX did not suit me I was still waiting hence the fact that I canceled it and it wasn't until me noticing my interest charge fees even after making a double payment we're still accruing and I noticed that charge from Amazon XXXX on my Chase Amazon card I have since removed all of my cards and canceled it once again for everyone in my household once again I'm expecting all of my months refunded as well as the interest charges and fees to be waived that is the least that can happen for taking advantage of a client and using legal loopholes to do such
Product: Money transfer, virtual currency, or money service

I am filing a complaint with cfpb regarding the zelle lawsuit. I was a victim of unauthorized payments that when I reached out to my institution was basically told I could get my money back.those situations put me in financial situations that could have been avoided.the lack of investigating discrepancies kept my account at risk of future scams.
Product: Debt or credit management

I had to file a police report a few times over the years due to Experian data breaches my information got compromised and I had to submit to the creditors that it was not me my identification under experience was exposed this is why I'm filing a complaint and their customer service is terrible myself and my husband 's information was also compromised I also had to help him meet police reports as well
Product: Checking or savings account

" On XX/XX/XXXX I tried to deposit {$320.00} dollars at the Citizens bank ATM machine, an error occurred on the ATM and it only returned {$20.00} and {$300.00} stayed jammed in the machine. I opened a claim # XXXX whiting the bank to recover the money. They opened an investigation that deposited {$300.00} temporarily in my account. Today XX/XX/XXXX I received a letter saying the machine worked properly and the bank will take back the {$300.00} credit temporarily deposited. It is clear that something is wrong and I need help from the police. I am attaching some pictures from where the money came from, I sold some laptop parts and the buyer paid me {$400.00} in cache. I successfully deposited {$80.00} on the same day earlier, and tried deposited the {$320.00} remained, when the machine kept the money without credit my account. ''
Product: Debt collection

Auto loan was charged off by original lender years ago. XXXX funding acquired a credit card account this year and included the other account at their own will. Navy Federal CU did not sell this loan to them they assumed this account on there own predatory practices. They have not produced any original paperwork and have ceased sending notices and calling about those debt. This loan was open in 2015, charged off by NFCU. NFCU was not aware that they assumed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to fix my problem with Transunion for over two years. I am a victim of the XXXX data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. I have filed an Identity theft report attached I have placed a claim for XXXX Data breach I have listed again, the account 's that do not belong to me. As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXXXXXX XXXX placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Product: Debt collection

CONVERGENT OUTSOURCING Is contacting family members and telling them I have a warrant for my arrest
Product: Credit reporting or other personal consumer reports

Today I receive a alert at XXXX XXXX  from XXXX saying my file was being acess tried to login to my account but everytime I request for verification code someone cancel the request.At XXXX a text from XXXX saying that I am sharing data with a third party.Someone is accessing my account online and when I go back to the information it be deleted.Equifax the same thing and they said that they have a product that belongs to me but before I can access it a third party got to connect.I don't have no credit cards, and my accounts that I created most of them are closed or the account have been changed
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I became aware of all the damage the Department of Education XXXX XXXX XXXX  has caused. XXXX was reporting a derogatory education loan the entire time I was on a military XXXX in XXXX. I never had a contract with XXXX. I never provided my personal information to XXXX ; I did not consent to XXXX placing any information on my credit report. 
There were several more entities reporting derogatory education loan information, that I never had a contract with, provided my personal information to, or consented to placing any information on my credit report. 
This is a list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After talking with a representative from XXXX, I find out XXXX establishes a separate contract with these entities. These separate entities are perpetrating to be government agencies but the courts have already made it clear they are not. The courts have also made it clear that my rights to privacy as indicated in my contract with XXXX are not individually enforceable. However, when XXXX establishes separate agreements with the abovementioned entities, to unilaterally grant privileges of the stipulations contained in our contract without my consent ; is a breach of contract. 
For about fourteen years, the different entities plus XXXX were all reporting on my credit report for the same exact loan ; that is 12 to 16 derogatory reports at one time. Duplicate or morphed accounts have been outlawed by the FTC. The credit bureaus penalize consumers about XXXX points for every derogatory account reported on a consumers credit report. That is a minimum XXXX point deficit on my credit report at all credit reporting agencies ; XXXX  scores range from XXXX to XXXX ; under XXXX is considered poor credit. 
The Department of Educations punishment and then additionally allowing the individual entities to punish me for the same loan, qualifies for the Double Jeopardy Clause in the Fifth Amendment to the US Constitution of which prohibits anyone from being prosecuted twice for substantially the same crime. The relevant part of the Fifth Amendment states, " No person shall... be subject for the same offense to be twice put in jeopardy of life or limb.... " My " life, liberty, or property was unduly and permanently taken from me by the acts and omissions of the Department of Education. 
The Department of Educations vigorous, all-encompassing punishment that included other entities to purposefully maliciously drive my XXXX score down to about XXXX ; has cost me approximately {$2100.00} in interest per year. The Department of Educations actions have also cost me a mortgage with XXXX XXXX. 
These are duplicate / morphed accounts that TransUnion has failed to investigate and delete.