23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX  XXXX XXXX is currently managing my loans. I have been in contact with them and on the phone every month since XX/XX/2017. My loans were being serviced by other companies before I transferred them to XXXX  XXXX XXXX, and they continue to tell me that my loan payments from the old service companies " have to be processed '', but they have been telling me the same thing for 8 months now. I have made 120 on time qualifying payment, but most of them were to other service providers before I transferred to XXXX XXXX XXXX. The biggest problem for me is that have been family planning for years and setting up not to have to continue to pay on these loans, expecting them to be forgiven. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I was informed by mail that my mortgage company paid a bill that had a correct account number and bill amount but incorrect company name to a company for my flood insurance. I reached out mid XX/XX/2024 to try to understand why this company was paid and not my actual flood insurance company. My mortgage company stated that since they just started servicing my loan from an old lender that they were deleting my flood insurance line from my escrow account because my property is not required to have flood insurance but this was never informed to me in any shape or form. I would have made arrangements to add it back to the policy or pay it myself. I asked why they paid for a flood insurance policy that they just stated was deleted from my account and why they also chose to send it to the wrong company. They stated that it was under the category of just a regular home insurance when they already paid thousands to my actual home insurance company, so why pay XXXX? My mortgage company also could not provide proof to myself or to my insurance broker that I signed off on this payment to this specific company or that this company was even mentioned to my mortgage company by my insurance broker through some type of communication. They stated theres no way for me to send proof because of the way it was sent. Now there is an amount of my escrow paid out to a company that I have to wait for a returned check to the mortgage company and then I have to wait for that check to be sent to me and then I have to send it to my real flood insurance company. It will definitely be late and fees will occur or they will cancel it. The representative of the mortgage company on the phone would not admit fault or responsibility for any inconveniences in the near future from this. This was a matter that I spent a total of 2+ hours on the phone with my mortgage company only for them to tell me to be patient and wait for the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am not in school so I dont why a student loan is open. I never opened these accounts so therefore I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. This company has stated numerous times I have no account with them, so reporting to my credit report is illegal. Ive tried to solve this problem several times with all three credit bureaus. First I was sent someone elses personal information which is a violation under the FCRA. This account has stated, I have no account with them so please remove this account from my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees for lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Bank account or service

My wife responded to a citibank offer for XXXX award points to her XXXX account if she opened a checking account and spent {$1000.00} dollars and made two consective bill pays withing 60 days and two months consecutively. We did this and have been rejected twice now for our rewards. See attached documentation.
Product: Student loan

My daughter wants me co-sign on her loan. I read through the documentation and can not find a clause where it states there is no prepayment penalty, ( since I do n't want to pay 8 % for 15 years ). I called Sallie Mae and both an employee and manager told me that they do n't have it written anywhere. It 's implied. Well I do n't think that is legal. In every bank I ever dealt with there is always a disclosure statement that tells you the rates and rules of the loan. I find it hard to believe that Sallie Mae does n't do this and no one has ever brought it to their attention. My concern is that I would like to see it in writing that there is no prepayment penalty before I sign the loan. Thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act,15 U.S.C.1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Wet Ink Signature On It ). You have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed with XXXX business days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX XXXX ), Consumer Date of Birth : ( XXXX XXXX - XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Individual account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ) and a Individual account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ).. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Product: Debt collection

I got some credit cards from XXXX  XXXX but I couldnt pay them no more they went to collection agency which is forfolio recovery and now they call me every day
Product: Debt collection

The collection company responded to my complaint, and responded that this account was no longer valid and removed.
Product: Mortgage

I want to mantein my home, but the lender just prequalified me and no give me all oportunity for mantein the house., the said that want to help in all communications but when you call directly they only give you chance to prequalify and instead they give you un NO answer for loan modification and the only option is paid all debt, its obvious that i was struggling in my payments and ask for a forebarence plan how can i have {$35.00} in one month for pay all debt. 

We really want to take actions and now we are working and stable income to take this financial responsibility. 

We really appreciate your support
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to credit agencies. Payment late history does not match across the XXXX agencies. Im requesting that late reporting be removed from all three agencies on this account.
Product: Payday loan, title loan, personal loan, or advance loan

Regarding act : XXXX Name : XXXX XXXX XX/XX/XXXX I reached out to title max in XXXX XXXX XXXX and spoke to the supervisor and told her I couldn't pay a full payment but didn't want to risk repo, she stated I could do a partial payment on my next pay period and it would be fine that way. XX/XX/XXXX I paid XXXX and called to tell them I'd made a payment, the employee said she had a customer and to call back to let her know I'd made a payment. I called back later the same day and told her I'd made a payment. She never said there was documents when I paid that weren't signed or I'd signed them then. Fast forward to today XX/XX/XXXX they come repo my vehicle over a document that wasn't signed the day of the payment. I spoke to the supervisor who said she was sure she'd told me and I said no ma'am you did not.. I would have signed a document before having my car repoed. I was told now I have 10 days to pay it off and schedule an appt in XXXX, Al which I'll have to also pay to pick up. This is ridiculous and could have been avoided with a little communication. I need this rectified immediately. There was no communication whatsoever between payment date & today other then me calling while vehicle was being towed. I foresee a new lawsuit for this next.
Product: Student loan

I made attempts in the past to have a payment plan. I then called XXXX of 2018 to do a income based repayment plan. I filled out the application and included pay stubs as they requested and fax it in. I received a letter stating That they had received my application and documents by mail. I have been waiting since then to get a reply on what happened to the income-based payment plan and received nothing. I called today and the agent on the phone told me that they were only sending me a balance due notices and other notices by mail and that the denial letter was never mailed out to me it was only available online. This seems very fraudulent to me because every other notice was sent by mail other than this one notice. It seems as if Navient Purposefully did not send me that notice by mail. This seems illegal if every other notice was sent by mail other than this. When I asked for a summary of my account to be mailed to me with all the information they refused over the phone. Why would anyone want to pay back loans when it seems like Fraud is involved on the side of the lender.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding an inaccurate XXXX late payment being reported on my credit report by XXXX XXXX  ( Account # XXXX ). Upon reviewing my consumer reports, I identified this error despite consistently making on-time payments on this account. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e to ensure that only accurate and verifiable information is reported. 

Disputed Information : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : XXXX late payment Reason for Dispute : I have never missed a payment on this account, and this information is inaccurate Request for Investigation : Pursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I request a formal reinvestigation into this matter. Under the law, XXXX XXXX and consumer reporting agencies are required to verify the accuracy of any disputed information or promptly correct/remove it if verification is not possible. 

I hereby request : Verification of the alleged late payment : Please provide supporting documentation, such as my billing statements and payment records, to substantiate this claim. Immediate correction : If XXXX XXXX can not provide verifiable proof that I was late, I demand that this false late payment be removed and my account status updated accordingly.Notification of correction : Upon resolution, please provide written confirmation that my credit report has been updated. 
Additionally, I request that the CFPB oversee this dispute and ensure compliance with FCRA standards. Reporting inaccurate information harms my creditworthiness, and I expect this matter to be rectified in a timely manner, as required by law to reflect " Current ''. 

I have attached supporting documents ( such as proof of on-time payments ) to aid in your investigation. If you need further information, please contact me at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus on XX/XX/2024 to notify them that items on my credit report were wrong. I asked them to investigate and to correct it and send me the results and I have not heard back from them and nothing has been fixed on my reports. I am aware that they have 30 days to conduct an investigation and they failed to do so. It has now been 61 days with no response from them.
Product: Money transfer, virtual currency, or money service

{$430.00} was transferred from my chime account to my XXXX  which I had no authorization over. My cashapp was logged into & my money was being transferred to multiple accounts. Ive done 6 disputes with chime & they are denying claim even with proof
Product: Credit reporting or other personal consumer reports

I send a police report and FTC REPORT AND THIS COMPANY DIDNT SEND ME THE REQUESTED DOCUMENTS AND IT WAS OVER 90 days and I have receipts to prove it I was my credit report fix and the items deleted NOW
Product: Checking or savings account

I open an account online and they froze my account then they unlocked it then I deposited more money and then I ordered a debit card and then I tried to use the debit card and it was declined now they want me to identify myself
Product: Debt collection

XXXX dollars from 2011, my son went to the XXXX and at that time we all changed to XXXX XXXX and told XXXX. XXXX states we never cancelled his phone. It was 12 years ago. Still trying to collect after all this time. I haven't used XXXX for 12 years. I have good credit but they are still trying to get me to pay a bill that was never due.
Product: Money transfer, virtual currency, or money service

the XXXX. XX/XX/2021 I made an international transfer to the business account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX in the name of XXXX XXXX XXXX XXXX and never arrived. XXXX XXXX gave me a copy of the account statement and the payment of the money does not appear. Since XX/XX/XXXX they charged me and after many calls and complaints they never verified that the money was delivered to the account holder in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachment below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with Equifax is XXXX
Product: Student loan

I received a copy of the letter dated XX/XX/XXXX stating : " Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number o payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX. '' The letter also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' I checked with credit reporting agencies and found it had not been updated in XXXX. I called and spoke to a rep and requested that it be updated as the letter they sent stated that it would be. 

I checked again in XXXX and it still has not been updated. I have submitted disputes with the credit reporting agencies but they are also waiting on correspondence form MOHELA to verify the dispute.
Product: Debt collection

AFNI tried to offer a different amount to collect. The collection listed is paid in full to XXXX on authorization # XXXX. Not to mention the agent was very rude.
Product: Vehicle loan or lease

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Student loan

XX/XX/XXXX, XXXX " Determination of Relief '' Student loans that were approved for discharge through borrower defense repayment have not been discharged nor was there any communication from servicer about details after approval from Department of Education . Additionally, interest on student loans have been accruing during COVID-19 pandemic.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity.

For consumers, 15 U.S. Code 1692 ( g ) provides essential protections by ensuring they are informed about their debts and have the opportunity to dispute any inaccuracies. Understanding these rights can empower consumers to manage their debts more effectively and protect themselves from potential harassment or misinformation from debt collectors.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX