23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

According to the fair credit reporting act ( fora ) section 605B. It is illegal to report information on my credit report without my permission. please remove item from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$5700.00}
Product: Mortgage

Tuesday, XX/XX/2016 To whom it may concern ; After I refinanced my house under HAMP, my property taxes were impounded by the mortgage company despite my low loan to value ratio. After 6 years of good payment history on my part, the lender informed me that THEY had not been collecting enough to cover my taxes. During this time of " under paid '' taxes I had sent a minimum of double what they told me were my mortgage payment obligations. Now that they have discovered their mistake they have told me that they will be tripling my payment to collect the difference. Their mistake is putting me in jeopardy of losing my house! I have tried to work out this issue with the lender, but they refuse to re-amortize my loan, and are demanding the tax deficit be repaid over 6 months, putting me in this difficult position. What makes this situation truly outrageous is that I sent more than enough money to cover my mortgage and taxes during the time in question, but because of their mistake they did not allocate enough money for my taxes. When I paid the taxes myself I did not have this issue, but now, thanks to their " help '' I am faced with a mortgage that will be difficult for me to pay. If they were trying to steal my house they could not have come up with a more effective scheme. 
Please help. I have spent the last 6 months ( XX/XX/2016-XX/XX/2016 ) trying to resolve this issue myself with no results. 

mortgage info below : Ditech ( XXXX Ditech Company )
Product: Payday loan, title loan, or personal loan

I Did a title loan on my car a XXXX  XXXX XXXX XXXX to XXXX On my monthly payments they want Payments of XXXX honors and something a month and if I am late then I have to pay a little over {$800.00} a month I can not afford. I'm on a fixed income of XXXX of Of {$720.00} a month.. I receive my XXXX on the XXXX of the month and I also have bills and rent to pay as well Out of the XXXX I need to pay title Max over {$500.00} a month for the loan and sometimes i don't have enough to buy food or pay my electric or my rent on my fixed income so if i pay partial of my loan payment they charge me {$800.00} I don't even get {$800.00} a month and my XXXX therefore there's no way I can survive pain electric bill food or rent and {$500.00} a month on this loan I went in there a few times because I was I was O I'm a few days late so instead of paying $ 500 day were charging me {$800.00} which I don't have and I tried to give them {$600.00} they refused to take the {$600.00} said that they were going to repossess my car My car is the only thing that I have that I own in a did this title loan and I'm on a fixed income and they are just over charging me and threatening me every single month that they're going to come and get my car because they know that I can't make the payment I feel I'm taking advantage of them knowing that I can't afford it and they did the loan just that with a can take my car that I own they wont-work with me on payments or anything whatsoever
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps running my credit without my permission. Hard inquiries keep popping up
On my credit. The newest one was today.
Product: Vehicle loan or lease

Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from  XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.
Product: Student loan

I transferred my federal loans from XXXX to XXXX XXXX, so that I could be apart of the Public Service Loan Forgiveness Program ( PSLF ). Under my older servicer, I made payments that would count for PSLF. XXXX was supposed to look at my account history from my older servicer to current and calculate the number of payments that I had already made that counted toward PSLF. Months after I transfered my loans, XXXX notified me that none of my payments that I had previously made counted, and that I had no payments toward PSLF except for the two I had made to XXXX. I called my old servicer and asked for my loan history and they showed that I had made payments for the past 6 years, and they said that those payments should qualify because I was in the proper payment plan and paid on time. I have tried to work with XXXX and a customer rep said they had actually not looked at all my account and she added a note asking that they finish and that they would be back to me by end of XXXX. It is XXXX and there is no change and Fedloans is not working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
DEPT OF ED/NELNET XXXXXXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Product: Checking or savings account

I am hereby issuing a formal complaint against Truist who acquired BB & T and my XXXX account, which is tied to an investment account. Given that I have been in good health and have not had the need to use my XXXX account in the past XXXX  years Truist has decided to close the account # XXXX on or about XX/XX/2022. This account closure was due to Texas Law ( according to Truist ) and the funds were sent to the Texas XXXX of Public Accounts. Truist only closed the XXXX account ( ~ XXXX} ) and not the associated XXXX investment account ( ~ XXXX ). As such I am now in a position where I can not access the XXXX investment account given the closure of the Truist XXXX account as they were tied at BB & T. 

I am asking the CFPB to step in as I believe Truist to not be acting in my best interest as the fiduciary for my XXXX and XXXX investment accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received the following message from XXXX, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at XXXX it shows XXXX balance. 

Your XXXX loans have been forgiven. 

Please log in to your inbox at XXXX to view the full message. 

XXXX, Congratulations! The Biden-Harris Administration has forgiven some or all of your federal XXXX  loan ( s ) with XXXX in full. 

This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your XXXX loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 

Log in to your account for details at XXXX. 

WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of 2021 the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. 
Not all your federal XXXX loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal student loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit XXXX. 
We have notified, or will notify by the end of the month, all national credit bureaus of your XXXX  loan forgiveness. 
If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. 

BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal XXXX aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting XXXX. 

HOW TO CONTACT US For information regarding your XXXX loans and the forgiveness process, please contact us at XXXX, or online at XXXX. 

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

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX and even filed complaint with XXXX and still no resolution. Let me clarify, this does not belong to me XXXX XXXX # XXXX {$530.00} Collections. I have even attempted to dispute with credit agencies because the collection was never validated. XXXX and XXXX deleted from my files because the debt couldn't be verified or validated. In addition, I never received a notice 30 days prior to inserting on my credit. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. Trans Union is the only agency reporting this erroneous information and the entity is saying " Verified '' with no actual evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am a victim of identity theft
Product: Debt collection

Penn Credit calls my home repeatedly. When I answer the phone, they state a name ( for example " XXXX XXXX '' ) and ask if I am that person. I say " no '', and they hang up. The next time they call, they give a different name ( for example " XXXX XXXX ), and ask if I am that person. Everytime they call, they ask me if I am a different person. 

Penn Credit is obviously going through the phone book, or just calling random numbers, on the off-chance they will reach a creditor. I have stopped answering the phone when they call, but I am really tired of having to put up with this behavior. It is harassment. Someone in the government should file charges against this company. Better yet, put them out of business.
Product: Mortgage

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my mortgage company that information contained in my report shows that I am deceased as of XX/XX/2018, When I called Experian to get this resolved I was told that I had to prove that I was alive and that I am who I say I am, I provided them with all the information for verification that was asked for and I was told that it would take a week for them to get the information that I provided to investigate and then it would take another week to have the information removed and the report updated, This is unacceptable as they ( Experian ) reported me as deceased without investigation nor verification which has placed me in a very bad position as I am within the home buying process,
Product: Consumer Loan

I spoke with the company on many occasions telling them I was filing bankruptcy. I know they still have the right to try and collect until I receive a case number. XXXX went to my house and handed my sister a letter that was not in an envelope that stated my account was seriously past due. When I called him to tell him that the letter should have been in an envelope because he was giving confidential information to someone that was not on the loan. He said oh well sorry if that hurt your feelings. I then began to explain why I had to file bankruptcy and he said that when he lent me the money in was not circumstantial to my financial problems. I explained to him that bankruptcy was my last resort and that I tried other avenues and he was like oh well.
Product: Vehicle loan or lease

I got a loan from Carvana. I used my XXXX card in the Plaid. The Company told me that card was not valid to use for ACH. So, I transferred my {$1000.00} to XXXXXXXX XXXX. They told me that my bank was not allowing me to get money from bank account. I am getting these ugly XXXX email from Carvana stating that the money or the down payment has not been paid via ACH routing number or account number. I gave them my debit card information and the card does not seem to be working. I can transfer the money to Carvana via direct deposit. They said that they will send me the money. 

I need help here. 

I am not interested in fighting with these people. 

The contract does not say a down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX made a hard inquiry on my TransUnion credit report without my authorization. On XX/XX/2018 TransUnion confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what XXXX XXXX is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$19000.00} XXXX  XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX 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 are some negative items in my credit report and dont belong to me COLLECTION Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, received a letter in the mail that I was turned down for a credit card for XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX XXXX out of XXXX, XXXX. I never applied for nor wanted such a credit card. Today, I was on the phone with Transunion XXXX XXXX, wanting this problem resolved. 
I wasted approximately an half hour with them. 

Their solution was to XXXX XXXX XXXX XXXX XXXX, I was given three ( 3 ) phone numbers, one was to their Fraud Department, called it twice, no one picked up the phone.

I want this resolved, I suspect I am a victim of Identity Thief, or Fraud of some sort. 
As stated I never applied for this credit card for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.
Product: Checking or savings account

In 2022 XXXX, My Capital one account got fraudulent money from XXXX. Scammer use my account info to scam money from other individual. as a result, My account was closed and money was disappeared ( including my money ). I called capital one serval time to resolve this. They think i'm the scammer. refuse to open new account. The money was reversed to victim and i'm left with bad credit score and lost money. I don't like to ask for the money to be reimburse. I want just checking account to pay my credit card bill that i have in Capital one.
Product: Debt collection

No notice to dispute and no information of debt. Lippman and Reed of XXXX sent me a collection bill for {$8000.00} claiming I had an accident years ago and the insurance company suspended my license which I had no idea it was suspended until I was pulled over for having a light out. They took my license and charged me with driving on a suspended license???? The collection letter I received was the first I have heard of having an accident .... I did n't have. I was sent a copy of an affidavit of delivery which was sent to my parents address and they did not receive it. Though a copy, which looks altered, was sent to me. They refuse to send me a copy of the costs incurred from the insurance company, a police report ... .anything showing this is real. This has been going on for a year and I NEED my license back. I am a XXXX and work full time. I can not continue my education and work while paying for taxis. I sent them a request for validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2017. I have heard nothing back from them. Please help
Product: Vehicle loan or lease

I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Ohio on XX/XX/XXXX. I live in Illinois. The truck was financed through Huntington Bank on XX/XX/XXXX. I am XXXXXXXX XXXX XXXX XXXX  I was not informed either by XXXX XXXX or Huntington Bank that I would be responsible for getting the title transferred to the State of Illinois. After 6 weeks I received a form from Huntington Bank that they instructed me to take to the Ill Secretary of State so that Huntington could obtain the information from the Il. Sec of State to transfer the title. I attempted to contact the Ill Sec of State in person at their office but I could not get the form submitted to the Il Sec of State. 

I then decided to pay off the loan assuming that I would then receive title to the truck and could then get it licensed in Illinois. I paid off the truck on XXXX XXXX through an Electronic Funds Transfer on that date. Huntington has acknowledged receipt of the final payment on XX/XX/XXXX but has not yet issued a payoff letter which is necessary in order for me to get license plates. When I asked when I could expect the pay off letter they told me they could not give me a date. I need to get my vehicle licensed in the State of Illinois. I appreciate any assistance you can offer that would compel Huntington to provide the pay-off letter in a timely manner. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Loan XXXX Huntington National Bank amount Financed {$16000.00} Paid off XXXX