23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I actually went to XXXX XXXX XXXX XXXX and XXXX in XXXX, FL, which was not listed on your site and I can only assume that they have since gone out of business. I'm currently in good standing with all of my loans through Navient and have been enrolled in the income based repayment plan. 
I believe I was grossly misled in the strategies of the loan repayment. Here are the facts. 
I was told that I would have affordable payments after graduation. I took the initiative and did not have a cosigner. I am a responsible adult with an excellent credit score. However, I feel like I'm being XXXX   here and I want to shed some light on this situation. 

In XXXX I borrowed {$27000.00} from XXXX XXXXNavient to finance my education. 

Since graduation, I have paid back {$35000.00} My outstanding balance is now {$37000.00} These are just my private loans and do not include my federal loans. 

I am one of millions. 

Please tell me that something is being done on behalf of the millions of people who are struggling with this debt issue. Everything is on hold, including buying homes, investing in businesses ... 

This is criminal. It's predatory lending. I went to school for XXXX. I am working in the field of XXXX. I have been working in the field of XXXX for a decade. I have been paying my student loans and getting no where. I currently pay {$420.00} per month to Navient and XXXX on my federal loans per month. This is insanity. I wanted a good education. I am now drowning and see no way out of this debt. Any advice would be great. Yes, my federal loans are enrolled in the PSLF so please do not send me another pdf on this information. This complaint is directly geared to XXXX XXXX/Navient and I think I am owed an explanation along with millions of other students who are buried in debt across the country.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX two outstanding bills. I advised company in XXXX, XXXX, and again on XX/XX/XXXX, with a three way call with XXXX  ( XXXX XXXX ) and my insurance company ( XXXX ) that bills are not outstanding and were paid by XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. elec pymt XXXX and XXXX on XX/XX/XXXX amount of XXXX and chk no XXXX XXXX on XX/XX/XXXX for XXXX in spite of this the accounts were still sent to AWA collection agency. many subsequent phone calls to bith XXXX  and awa. On XX/XX/XXXX XXXX  says AWA to remove these charges. AWA says has no notification from XXXX. My acct sent to three credit bureaus XX/XX/XXXX. Now my XXXX XXXX XXXX affected by this action. I am XXXX yrs old and XXXX inefficient accounting department has caused undue stress in my life for two bills that were paid yet not properly noted as paid18 months ago. in the hospital in XXXX XXXX and XXXX XXXX XXXX  for a XXXX XXXX. this is not helping.
Product: Debt collection

XX/XX/XXXX They called me regarding delinquency. I requested cease and desist and advised of who my attorney was. Also referred them to the complaints I had previously placed regarding assumption and modification denial based on miscalculations. 

XX/XX/XXXX received letter from Wells Fargo advising would start foreclosure proceedings would start if not brought current by XX/XX/XXXX. 

XX/XX/XXXX Guy showed up on steps representing Wells Fargo and scared my XXXX XXXX year old daughter. Advised that I had to call Wells Fargo due to delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXXOLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY  XXXX, AND XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Coinbase deducted {$790.00} in litecoin from my account for a transaction of {$790.00} from XX/XX/XXXX because a chargeback had been initiated, on XX/XX/XXXX the I confirmed with my bank that the chargeback was cancelled and the funds from the original XX/XX/XXXX transaction were returned to coinbase. Coinbase has not returned the {$790.00} in litecoin it deducted from my account on XX/XX/XXXX to cover the chargeback even tho the chargeback was cancelled. 

Their support just keeps explaining to me why they deducted the funds on XX/XX/XXXX but doesn't seem to understand that I get why they did it but they got the original funds back so the litecoin that was deducted should be returned to me as well otherwise I paid {$1500.00} for a {$790.00} transaction
Product: Credit card or prepaid card

I suddenly stopped receiving billing statements on my Capital One MasterCard account in XX/XX/2021. Since that time, I have received neither paper statements by mail nor any email notifications when a statement is posted. The last statement I received, by US Mail, was for the period ending XX/XX/XXXX. I paid the entire balance due promptly as usual. It took me a while to notice that I was not receiving statements. Once I went online and discovered I owed a balance, I paid all of the " transactions '' in full, but not the interest and late fee charges, totaling {$64.00}. I disputed the late fee and interest, by letter to Capital One, dated XX/XX/2021, based on my understanding that the applicable regulations require the bank to send me notice by way of a statement in sufficient time to allow a customer not to incur interest and late fees. I also noted in my dispute letter that my mailing address and email address information are correct on the Capital One website, but when I try to check my " alerts profile '' for my account to see why i am not receiving statements, I get a message as follows : " Unable to retrieve your preferences, but we are working on it. Try again in a bit. '' This message continues to appear on Capital One 's website with reference to my account. I believe there is a an issue with their records on my account which they have not acknowledged or corrected. Capital One responded to my letter by crediting me one late fee, but continuing to charge interest on interest and late fees each month since. I still have received no statements on the account without going online affirmatively myself to see what they are charging me. I contend that the law requires a credit card issuer to provide timely statements. I therefore request full credit for my current balance of {$79.00} and correction to my account that will provide me with timely statement information from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

a few months back I was aware that i was a victim of identity theft. My identity was stolen and fraudulent accounts were opened without my knowledge or consent. i tried reaching out to the credit bureaus but to no prevail they have not been helpful at all and are extremely hard to talk on the phone.
Product: Mortgage

I called my mortgage company, Freedom Mortgage, to find out what the pay off was on my home because we are selling it and purchasing a new home. They told me that is would cost me {$30.00} and it would be 72 hours before I would receive that information. They stated the fee would be added on to the final balance of the pay off on the loan. I feel that this fee is unacceptable and they are keeping my information hostage for a fee. There is not an early pay off penalty. This is my information and I do not feel they should be able to withhold it for a fee of any kind.
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to get a debt management nonprofit to help me with this account but they won't do that unless I give them a " billing statement ''.

Republic Finance states they never issue these. 
I have contacted them and told them according consumer law Regulation Z in the Truth in Lending Act, the MUST issue monthly billing staements. 
They are disregarding this. 
I told them I will file a complaint with you and they are disregarding this. 
Please inform what you can do. 
Thank you.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate charge off account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

After shopping for a miniature dachshund online at XXXX I emailed the seller regarding a specific dachshund for purchase in the amount of {$500.00}. At this point, the correspondence was email and/or texting. After the seller supposedly dropped off the puppy for a vet clearance, a pet carrier had possession of the puppy for transport via a coupon provided by the seller for a flight. The pet carrier then contacted me for {$800.00} for pet insurance. Unfortunately, at this point, I realized this was a scam. I contacted the seller, XXXX XXXX with XXXX XXXX and he said that 98 % would be refunded to me of this insurance. I declined payment of this {$800.00}. He also said he couldn't return my {$500.00} because he didn't have it. I immediately contacted Wells Fargo Bank as the wire transfer was made through them and XXXX. I filed a complaint with them but they declined the claim as they stated I authorized the transfer. XXXX stated that I needed to go through my bank for assistance. Neither was helpful. Wells Fargo should have been able to reverse the wire transfer with XXXX knowing that this was fraud. They didn't. I also filed an Internet Crime Complaint and a complaint with the FTC.
Product: Debt collection

For the past three years I have been going back and fourth with this collection company name Commonwealth Financial Inc. over a XXXX medical bills that they even said was n't mine but yet this is the third time after taking the bills off they put it back on and as of today once again they said that it 's not mine but it 's on my credit report again but the scary thing is they do n't have my social security number so when I asked how is it on my report I get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX  XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.
Product: Mortgage

I have lived in XXXX, Alaska all of my live and love our state as it offers an ideal life for my family. We vote, pay our taxes, strive to be solid citizens and are bring up our children with good values. However, we have run across a problem and need some help from a person in your position to get us through the storm. We fell behind on our mortgage payments at the beginning of this year and we have not been able to deal with our mortgage servicer directly. Caliber Home Loans tried selling our home early this month, but we were able to stop the sale and we are afraid they will ultimately take our home away if we can not get them to speak with us. Its not entirely their fault as we hired an attorney to help us negotiate our delinquency, but he has done nothing and Caliber said they can only speak to my attorney. I fired him, but Caliber still wont open any discussion that would allow me to keep my home. 
They have strongly indicated that they will help me with home retention options, if they can speak to me. I am asking for your offices assistance to help me communicate with them to get the ball rolling to save my home from foreclosure. I do not need you to negotiate or get involved in any way except to open the door for me to speak with them. 

I purchased my home in 2008 and everything was going along fine. My business was doing well and the two rental properties I own were bringing in positive cash flow each month. However, the last two years have been a nightmare as I unfortunately had two very bad tenants. They both stopped paying rent and separately destroyed the homes they rented from me. One tenant brought in over ten homeless people and it was a legal and financial nightmare that cost me tens of thousands of dollars in direct costs, lost wages from all the time I had to deal with the issues and lost rental income. I finally ran out of money getting them out of the home and finishing off the repairs to bring the properties back to a rentable state. This caused me to fall behind on my mortgage payments. I truly did not have an option as I need the rental income to provide for my family. I thought I was doing the right thing when I was contacted by a law firm who promised they could help to get my loan modified. I paid them {$4000.00} and they apparently did nothing. I know I am deep in foreclosure, but I am certain something can be done to save my home for my children.
Product: Vehicle loan or lease

JPMCB sent an " Explanation of Calculation of the Deficiency '' and stated that on XX/XX/2019, they sold a vehicle securing an account in accordance with the " Notice of Our Plan to Sell Property '' which they stated they sent to me. JPMCB claims they repossessed a vehicle on XX/XX/2019 and I still have yet to receive any notice of repossession letter in the mail. The Illinois Vehicle Code requires that this notice of repossession/notice of redemption be mailed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX XXXX, XXXX, and Experian all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  XXXX XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX  judicial circuit county of XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with XXXX  on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted Experian. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.
Product: Debt collection

My student loan is in default. I attempted to remedy this in XX/XX/XXXX but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either. 

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX  however upon calling XX/XX/XXXX, I was advised it is being held with XXXX XXXX. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment. 

The garnishment has already taken place ( XX/XX/XXXX ) and I still have not received any form of notification as of XX/XX/XXXX.
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX ) To Whom It May Concern : I am writing to formally dispute the validity of the debt listed on my credit reports with TransUnion, XXXX, and XXXX, under the account number XXXX, associated with XXXX XXXX XXXX XXXX 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( XXXX ) ), I am requesting that you provide me with the name of the original creditor of this account. 

Additionally, in accordance with 15 USC 1692g ( a ) ( XXXX ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law. 

Furthermore, I am aware of the provisions of the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, XXXX, XXXX ). 

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of XXXX days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,
Product: Vehicle loan or lease

I have been involved in a Consumer Credit Transaction for years now with Hyundai motor finance. Hyundai Motor Finance does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Hyundai motor finance has taken multiple cash payments. 

On XXXX  Hyundai Motor Finance took a Down payment on a Consumer Credit Transaction for the Financing of a Vehicle in Exhibit B which is a Violation of 15 USC 1662.

As a Federally Protected Consumer Hyundai motor Finances has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction. 
Hyundai motor finance has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Hyundai Motor Finance has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal Charge.
Product: Credit reporting or other personal consumer reports

I had difficulty managing my credit card payments, so I contacted Affirm to discuss possible arrangements. Unfortunately, Affirm declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, Affirm has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all Affirm accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.
Product: Debt collection

I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.