23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have federal student loans, initially with Sallie Mae, then Navient, not XXXX. 

In high school XXXX XXXX XXXX XXXX, I was repeatedly pulled out of class to hear from a third party representative about federal student loans and filling out a XXXX form. From my perspective, it seemed that all students pulled into these presentations were high-performing, low-income students. 
I was told by counselors, teachers, and the representative that all student debt was a " good debt '' and an " investment in my future ''. I was told not to worry about the amount I take out, as I would be able to consolidate the loans and have a " manageable payment ''. I do not know where this third party came from, but I believe this was a predatory act by federal loan servicers and that my high school was prioritizing numbers ( % of grads attending college ) over my wellbeing. 

Through the years, I have paid over {$14000.00} toward my federal debt. {$4000.00} of this has been applied to my principal. The amount I borrowed was about {$20000.00}. My current balance is over {$25000.00}. From XXXX, I consistently made my monthly payment, however {$0.00} were applied to my principal balance. 
I set up this repayment plan at a time when, if I was on XXXX, my monthly payment would have exceeded an amount that I could afford to pay. I was offered an alternate payment plan that I could afford, which is the one I've described where my principal balance increased by {$5000.00} over the course of 6 years. It was not explained to me at the time that this payment plan would set me up to perpetually experience more debt rather than work towards repayment. I believe I was taken advantage of by the student loan servicing companies. 

I feel as if my situation, because I did not experience forbearance or missed payments, is slipping between the cracks through the current and ongoing lawsuits and legal changes. Also that the misleading marketing about federal loans that I experienced came from an unknown third party at my high school. I truly believe that, as a low-income student with parents who did not graduate college, I was misled and taken advantage of by the federal student loan system. 

I'm not sure what you can do with this information but I felt I needed to share my situation as I continuously see news about potential relief and successful lawsuits that provide relief and support to people who have been similarly taken advantage of by this system. There must be others who share these experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX have violated my rights .

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 an account without my written instructions.
Product: Mortgage

Before and on XX/XX/2019 XXXX from Residential Home Mortgage Corporation ( RHMC ) disclosed my private information as well as information pertaining to my assets and bank information with my realtor. Also my loan officer XXXX obtained all the required documentation but my loan is being delayed because according to XXXX " XXXX is no longer with the company as he was fired last Friday XX/XX/2019 ''. 
The communication with XXXX has been always delayed as he doesn't respond to my calls and text and only appears to reply when my realtor gets involved. All the documentation from the bank was given to XXXX and XXXX ( who got fired ) and now they didn't send the documentation to the underwriter in a timely manner, therefore my loan is being delayed and the closing date is within 4 days. 
The emails below proof the interaction. XXXX has also asked me absurd information to approve my mortgage loan including the documentation for my daughter being in the intensive care when she was born and I filled for bankruptcy. I have numerous unjustified requests from this company and they are delaying my approval for my loan. Please review the documents attached. I want my privacy rights to be respected. 

XXXX via XXXX XX/XX/2019, XXXX XXXX  ( 22 hours ago ) to XXXX, XXXX XXXX, Thank you for reaching out. I followed up with management yesterday at the end of the day for a status update. They are looking to further review the file, considering the asset issues we discussed yesterday. I am hoping to have a decision on the loan Monday. The main concern at this point is documenting the necessary cash to close, as we discussed. 

Best Regards, XXXX  XXXX XXXX XXXX XXXX " XX/XX/2019 XXXX XXXX " v " XXXX XXXX XXXX XX/XX/2019, XXXX XXXX ( 22 hours ago ) to XXXX, XXXX Hi XXXX , I have been calling you and texting you and no replies why now you are responding to others and now complaining about money to close????? 

Ridiculous your action. I am invoking my privacy rights immediately. 

Thanks, "
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an email response from XXXX XXXX stating that the account that was fraudulently opened due to identity theft was going to be removed from my credit report. Nearly 3 months later this account has been added back to my account with 2 missed payments. Experian has violated the FCRA by reinserting an account that has been labeled as fraudulent
Product: Mortgage

We have been trying since XX/XX/XXXX to get a proper mortgage release for the mortgage that was paid in full in XXXX of 2021. The mortgage was originally with XXXX XXXX XXXX XXXXXXXX XXXX as nominee, then assigned to XXXX XXXX XXXX as Trustee... XXXX XXXX XXXX. 

This mortgage was attempted to be released by XXXX  as nominee for XXXX XXXX XXXX and XXXXXXXX XXXX needs to release this pronto. 

This has been holding up financing for over 2  months, XXXX XXXX is blaming XXXX XXXX XXXX XXXX XXXX  who is not the record owner of this mortgage, NOR do they have a Power of Attorney filed for XXXX to sign for XXXX XXXX, in XXXX XXXX Ohio Records. 

The Satisfaction/Release of Mortgage must come from '' XXXX XXXX XXXX XXXX XXXX relating to Home Equity Mortgage XXXX XXXX XXXX, Home Equity Pass-Through Certificates, Series XXXX " We sent the recorded document chain when we sent the corrected release request. 

Attached is a copy of the recorded documents as well as numerous email attempts to obtain a correct release from XXXX XXXX XXXX  XXXX Department XXXX ; XXXX with no release sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX a natural person is ceasing communication with you Capital one pursuant to 15 USC 1692C ( c ) Send your letter through the CFPB that you have been notified by the consumer to cease communications with the consumer.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated attempts to dispute accounts that are not valid, both XXXX and Equifaxs who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these two companies, first Equifaxs, and now XXXX have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these two should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the Equifax breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.
Product: Debt collection

Upon pulling my personal credit reports I noticed an entry from Rent Debt Automated Collections for a total of XXXX. The alleged debt was placed on my XXXX, XXXX, and XXXX reports because Rent Debt is claiming that I owe XXXX to XXXX XXXX XXXX XXXX  of XXXX XXXX GA. I have maintained open communication with XXXX XXXX XXXX XXXX and I have been made aware that their office has no record of me owing a past due balance. I have submitted a dispute to Rent Debt Automated Collections through each credit bureau ( XXXX, XXXX XXXX, and XXXX   ), and each dispute has returned stating that the alleged debt for account number XXXX for XXXX has been verified as being valid. I am very confused as how this debt was verified as belonging to me and I have since spoke with the manage from XXXX XXXX XXXX of XXXX XXXX who informed me that they show my account as being closed with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again I have issues with XXXX XXXX and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX  and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from XXXX call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses are not correct also there are a few I have never been associated with.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible
.

My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 


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

fifth third bank bank na acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

please find attached the documents for disputing inquiires i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you
Product: Mortgage

On XX/XX/XXXX approximately we filed for homestead exempt on our property and have not gotten a response from our morgage company again this past year on XX/XX/XXXX i filled for a tax and property evaluation with XXXX XXXX XXXX district and was given a new home value and tax adjustments and have not gotten a response from the morgage company as well i have submitted a complain and said that they can only adjust and take action from the month of XX/XX/XXXX foward not all the back months of XXXX wich i think is unfair due to their lack of responsability and seriousness in the matter of the ir business
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX c.a XXXX tel XXXX XXXX. Amount is {$11000.00} they are calling my job family in XXXX the XXXX call me to take me to court .. yesterday around XXXX XXXX XX/XX/2019 I was working When I receive a call from my wife the A lady dropped paper on my door my wife ask Who are you When my wife read the paper she find out she I s process service For Texas . I  noticed the paper is not. correct the information the signature and date and amount
Product: Money transfer, virtual currency, or money service

Hello, I have been keeping my money in Gemini for a long time. I have now decided to withdrawl our money and Gemini will not let me. I have reached out to Gemini but they have still not honored there commitment and my money is still pending a withdrawl. It has bee pending for weeks now. Please help recover our money as it is over {$41000.00}. 

Thank you, XXXX XXXX
Product: Checking or savings account

I sold my XXXX XXXX  XXXX XXXX  to we buy any car in XXXX, fl and they gave me paycheck amount for {$4500.00} on XX/XX/XXXX. Chase bank approve day check deposited via their mobile app on XX/XX/XXXX. They sent me an email about it. ( See screenshots ) they said it will be available on Friday XX/XX/XXXX but then they put ahold on my checking account again saying the money wont e deposited and my account is restricted so i can not use my debit card because check can be altered. The number to call for car group holdings is invalid not in their system they do XXXX search etc and they tried several numbers so they don't know if they can verify the check but i called number on check spoke to the woman and got her personal sell chase bank refused to call them number or the lady that works for car holdings group XXXX to verify check. I need that XXXX to buy a car i have XXXX kids under XXXX and we separately need a car worse is I cant use my chase checking account or debit account. Can you please rectify this situation and help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debt for XXXX XXXX XXXXXXXX. I lived in these apartments for some time however, I brought some problems to management that were not fixed that made the apartment unihabitable ( IE. Black Mold, non working toilet-had to use a neighbors, and several other issues ) which caused my children and I to get sick. I had talked to their legal team before and advised them of the issues and they assured me that I would get a new unit but that never happened so I advised that per the lease, if the apartment is uninhabitable I would be moving out and again my own legal counsel at this point had recommended this. I was told by management that they apolgized however, months later I get a collection notice for breaking a lease I was entitled to breaking because they had broken it first. This needs to be removed off my credit immediatley. This account has passed the statue of limitation in XXXX as well so no collection can be pursued and this will not be paid.