23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1st I was scammed by XXXX XXXX XXXX and then Sallie Mae and now you Navient. Since XXXX XXXX XXXX broke the law, and admitted to it during the proceedings of their class action lawsuit, former students are entitled to apply for a Borrower 's Defense Discharge, which makes them eligible to have all their related student debt wiped out.class-action lawsuit filed on behalf of 2,200 students at the for-profit cooking school is on its way to settlement, with XXXX XXXX XXXX. I have been paying on my school loans {$500.00} a month for 13 years. 

This is ridiculous. I received an email from you guys in XXXX stating that no payments would be due until XXXX which is aparently a lie because my account is now thousands of dollars past due. I have had enough and him financially burdened and can't do this anymore the hardship is overwhelming. I can not make another payment and will be filing bankruptcy if I need to. I believe all my loans should be discharged and considered paid and full. I have been paying for 13 years and this is enough. 

Technically speaking this should have been gone a long time ago with all the lawsuits that both Navient, Sallie Mae and XXXX XXXX XXXX have ancured. But you are the one who most recently screwed up my account with this covid stuff and the no payments due till XXXX. Start by adjusting and fixing the mess you made from this year and then we can finally talk about the rest. I would be open to a small settlement to clear this without lawsuits proceedings hearings and all that XXXX. Once you get the account current I'm sure we can come up with something. I will keep an eye on my account for It to be up to date. 

But the information is not acceptable. The original in my I received said that the loans would not be due till XXXX and were not made clear that this was not for all the phones. I even received an email as early as a couple days ago that said no money was due and XXXX balance. Please fix this issue to make the account 's current or you will not see another dime from me ever. I will still be keeping an eye on my count for the changes to be fixed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> in the amount of XXXX. I asked for proof that it should be removed from my credit because it was not late. Company by the name of Kohls.
Product: Debt collection

On XX/XX/2018 a collection account from The CBE Group Inc-Former was added on my credit report on all 3 Credit Bureaus for an account with XXXX XXXX XXXX XXXX that states it was opened XX/XX/2018. First off from doing my research XXXX XXXX and XXXX XXXX is based and services in California. I have lived in Ohio for the last 2 years and prior to that I lived in XXXX for 7 yrs. and XXXX  for 20 yrs. Not once did I ever have this service provider in those 28 yrs. This came up on my Credit report once before I believe in XX/XX/2018. It was removed shortly after, as this is not an account I opened and also they deemed it as Fraudulent and was removed from my tradeline then magically I was applying for an Auto Loan and this Company added a collection account to all 3 credit bureaus. Now they are " Parking and Re-aging a debt that is not mine. They have never contacted me via mail, phone or any sort of communication. So not only has this account been removed once from a different collection agency due to it not being my account and not mine and not accurate. I want this removed from my tradeline on all 3 credit bureaus immediately.
Product: Mortgage

On XX/XX/XXXX, I submitted a XX/XX/XXXX senior citizen exemption application with the XXXX County Assessor. I received a letter from the Assessor dated XX/XX/XXXX indicating that after review, a Certificate of Error was issued and a refund of {$760.00} was to be refunded to XXXX XXXX via the XXXX County Treasurer 's Office. Unfortunately, because our real estate taxes are paid directly  by XXXX XXXX XXXX ( escrowed through our monthly mortgage payments ), the Treasurer 's Office mistakenly sent the refund check to Ocwen, which was received and placed in our escrow account as a " tax credit '' on XX/XX/XXXX. On XX/XX/XXXX, I contact Ocwen and explained to them that the refund was supposed to be sent directly to our address. I was then asked to fax the XX/XX/XXXX letter to Ocwen 's Tax Dept. I sent the fax and requested that the refund be sent to us. On XX/XX/XXXX, I again contacted Ocwen regarding the status of the refund check and was told that the matter " was still under review ''. Agent No. XXXX ( XXXX ) confirmed receipt of the XX/XX/XXXX fax and that our account status had been updated as of XX/XX/XXXX. She asked me to call back in a week for an update. On XX/XX/XXXX, I again contacted Ocwen for an update and spoke with " XXXX '' who indicated that the Escrow Dept. would have to review. I objected and he transferred me to the Escalation Manager ( XXXX ) who indicated that she would " escalate '' the matter and get back to me within 2 days. On XX/XX/XXXX, XXXX called me and informed me that our refund request had been submitted both the Escrow Dept. and the Office of the Ombudsman, and that there was no update as of yet but that she was monitoring the status on a daily basis and would request a update that day. Today, XX/XX/XXXX, I received a call from XXXX ( Escalation Manager ) informing me that an " Escrow Analysis '' had been order and that after consultation between the Escrow Dept., the Tax Dept. and the Office of the Ombudsman, it was determined that beginning with our XX/XX/XXXX, our monthly mortgage payment would be " reduced '' by @ {$64.00} a month for 12 months to " account '' for the {$760.00} tax credit that Ocwen erroneously received. I explicitly stated to her that I was refusing said resolution and again requested a refund of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX plays a fair game, making this action easy for me and for my wife. 
XXXX and Experian sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.
Product: Credit card or prepaid card

Due to dissatisfaction with CAPITAL ONE 's ( the bank ) business practices, I closed a secured credit account in third week of XXXX. I was told that the business cycle had just ended and deposit would require an additional month to be refunded via PAPER CHECK. I was also told that my deposit had earned XXXX interest while it was in the possession of the bank. 

The credit statement ending XXXX XX/XX/2019 shows the refund was issued on XXXX XXXX. The holiday season came and went ; still no refund received via mail. 

On today ( XXXX ) I called to inquire to the status of my refund and was not given a satisfactory reply. I feel that is is unreasonable and abusive for the security deposit to earn XXXX interest, and for a simple deposit refund to require 6-plus weeks.
Product: Bank account or service

I deposited {$3000.00} into my B.O.A. acct from my trust fund on XXXX/XXXX/16. BOA placed the funds on hold until XXXX/XXXX/16. When my funds were not available to me by XXXX/XXXX/16 I called and was then informed that the hold on my funds had been extended to XXXX. I asked for a supervisor and was told that there was nothing he could do on his end that I had to wait until the following Monday and contact risk assessment. So today XXXX I have attempted several times to find a way to expedite the process of freeing up my funds ( which had been released by my trust acct on XXXX/XXXX/16 @ XXXX ) BOA risk team member named XXXX said that they had tried to verify funds but my trust account did n't do third party verifications. ( Which is completely untrue ) XXXX then told me to obtain a proof of funds letter via mail, take it to a branch bank and the bank associates there would fax it to the risk assessment team and they would go from there. I asked him if contacting my trust bank and having them fax the documentation directly to the BOA risk assessment team would be ok to which I was told no. XXXX told me that was the only way I would receive my funds before the end of the month and curtly hung up on me. I then contacted my trust/legacy bank and spoke with XXXX asking her if canceling the check was even a possibility to which she said no because the funds had long since been released. I explained what I had been told by the BOA reps to which she said that she would call them from her end and conference me in. XXXX at BOA risk management answered this time. Took down my information and when I told her that XXXX from my trust account was on the phone she abruptly said that she " would not participate in a conference call so just get the proof you were told to get. '' ( Addressing me in a very rude and dismissive manner ) XXXX ( ignoring her rudeness ) said well if I give you our customer service number will you attempt to verify the funds that way? XXXX said she would take down the number and would call to confirm the funds. Then XXXX asked her the timeframe in which she would be calling to verify the funds and XXXX said that she would neither give a timeframe or discuss the subject matter any longer and hung up on us. So here I am with a BOA account balance of $ XXXX accruing overdraft fees of {$35.00} for every 5 days my account is negative. Even though the {$3000.00} that I deposited cleared long before my account went into the red. As of XXXX XXXX my funds have not been released nor has BOA attempted to contact the trust account.
Product: Student loan

I have student loans which have been consolidated more than once upon Navient 's recommendation. First time they were consolidated I was told by navient or XXXX XXXX more than 20 years ago that after 10 years of on time payments, My loans would be forgiven, whatever balance was left if any. I was told I qualified for this because of something to do with being a teacher of the speech and hearing handicapped. I believed them, and planned my future around that for some time, as servicers changed and representatives training changed, suddenly one day I was told that this wasn't true! I now sit with over XXXX in student loans, my educational loans come from XXXX and XXXX college, however it was the servicers who gave me false information. I am almost XXXX and didn't expect to be lied to by a loan servicer. I wasn't familiar with all the repayment options income based, etc.. from the start, and I was totally misinformed because I was ( YEARS LATER ) told that I needed to be consolidated to a direct loan to qualify for any forgiveness, and that I didn't qualify for forgiveness under the plans... it was devastating! And is a hardship to be told that I will be paying for these loans for 20 more years, but if i had been in a different program after 20 years of qualifying payments it would have been forgiven. If I'd been in that program I'd been near the end of repayment now! This is a mess
Product: Credit reporting or other personal consumer reports

I did not authorize any one r company too run my credit too obtain any loan r any services for any use an I have a fraud alert on my credit report an wasn't notified before any action was taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. There is a public Record that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) TransUnion assumed this role and my direct written instruction/permission was never given. TransUnion is in violation of my Right to Privacy according to 15 USC 1681 4. TransUnion did not exercise its grave responsibility, was unfair and was partial. Furthermore, TransUnion did not have a permissible purpose under 1681 b 2. I never instructed TransUnion to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding account deleted from my report and file. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX  XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX - XXXX - This is completely inaccurate. - This account is reporting incorrectly. 
XXXX  - XXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XX/XX/year> - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay them, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. And if you are unable to do so, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. Please forward an updated credit report after you have completed your investigation and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone commit fraud trying to open an account with XXXX ( Chase Bank ). 
Once on XX/XX/XXXX then on XX/XX/XXXX. 
I called Chase, they said that they would rectify the situation but nothing was done. 
I put a fraud alert on my accounts. 
I filed a complaint id with CFPB on XX/XX/XXXX ( XXXX ). Your office immediately contacted me and said that they spoke with Chase and it would be taken care of. 
NOW ON XX/XX/XXXX, I again had someone attempt to open an account with Chase Bank via XXXX and again it was denied but now on my Credit Report it shows XXXX hard inquires with Chase! 
Today I received a " kit '' from Chase on identify theft with cc to you, Consumer Financial Protection Bureau : Complaint XXXX. 
Obviously, Chase is NOT doing their job as again I got another hard inquiry. What is wrong with this picture! 
I put a credit freeze on my credit reports but obviously it did not work!
Product: Credit reporting or other personal consumer reports

Mohela is reporting my student loan balance twice to the Credit Bureaus. It appears that I have twice the student loan debt. I have disputed it with the Credit Bureaus but no response. I am unable to purchase a home due to the high amount of student loan debt that is showing on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ). Despite providing supporting documentation that substantiated my claim, TRANSUNION responded in XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section XXXX ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the XXXX XXXX XXXX XXXX XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, XXXX XXXX. XXXX. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with TransUnion through XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX bought the debt from another bank & started sending statements to the wrong address. They are aware of the issue & agreed to update it to open/never late. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Checking or savings account

This is XXXX XXXX I never log into my chime account I just have my cards on my XXXX XXXX. Also I used the card at the ATM through XXXX XXXX on a new version atm. I shortly had got a email that day from XXXX saying you payment is declined. I tried to logg back into my account and notice XXXX dollar was gone. I was going to buy me an electric car so I can be able to see my daughter. Now I can not see her and if I dont get my parenting to the court well not allow me to have her full time. I also received text from her and somebody that knows her. I dont know what to do can you please tell me what are the steps. XXXX XXXX and with XXXX XXXX XXXX child. I just got out of foster care and I dont start work until next month. I was going to use the car so I can be able to pick up shifts to pay my rent now I dont have the money to pay rent please do something please thank you. They said my dispute was denied because I paid to a friend. How was that my friend if I never send money to this person or talk to this person