23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am so fed up with Sallie Mae, I have given them chance after chance trying not to seek legal action yet they are still pushing me to do so. Last month I received a billing statement with no notice that my amount was increasing and here we are again and I have received a new statement with an increased amount!!! I think it is absurd that Sallie Mae continues to increase my amount WITHOUT any notice and with them knowing my financial situation, how do they expect people to pay them almost {$500.00} a month plus manage and pay other bills. Sallie Mae has no compassion for its customers and I wish everyone would just stop doing business with them if only they knew the horrible life you will have when its time to pay them back. I have tried multiple times to lower my payments just to be told I dont have any repayment options, it is official I will be seeking legal actions because this is ridiculous and sad, I can barely survive due to other bills and having to pay this huge amount every month with Sallie Mae XXXX
Product: Credit reporting or other personal consumer reports

This company is awful to work with. They reported a 30 day late payment on my credit report which is incorrect and refuse to correct or remove it. I have documentation that payment was made on time. 

XXXX XXXX : XX/XX/XXXX ( XXXX ) External Withdrawal XXXX Mortgage Pay - Web Pay XXXX Principal : {$710.00} Interest : {$0.00} Escrow : {$0.00} Escrow Balance : {$0.00} LateCharge : {$0.00} Unapplied : {$0.00} Principal Balance : {$72000.00} XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Electronic Payment - Autopost
Product: Debt collection

Threatened to place a derogatory credit remark on my credit history in retaliation for my questioning the accounting & billing tactics employed by their client. 

J & L Teamworks of XXXX, CA has been sent many notices advising them that to pursue these disputed debts while they are disputed is a violation of federal law yet they continue to threaten to do so. 

On the phone I have been told that J & L Teamworks enjoys the fact that XXXX XXXX can not accurately bill. They then get to " clean up deadbeats like.. '' me. And they are paid more for collecting more debts unnecessarily complicated by XXXX XXXX of XXXX XXXX XXXX, CA not sending complete paperwork to patient to substantiate their billing. 

As a result, perceived over-charges now exist as XXXX was successful to work with J & L Teamworks to prevent the errors from being detected. I questioned this practice which led to the threat of derogatory credit comment & I was even banned from using our community 's only emergency room. 

Can you please stop companies from working together like this? It confuses me to the point that I can not understand for what they are collecting. And I have an XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have listed the inquiries below. 


inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lexis Nexis has included a home owners claim on my report that does not exist, making it impossible for me to get homeowners insurance. 

This is a nightmare.
Product: Mortgage

I have emailed before about my situation with Residential Credit Solutions. My loan was discharged in a chapter XXXX and I had questions about how it was handled. I filed a Chapter XXXX but the Trustee changed it to a Chapter XXXX that stated all my debts were discharged. I questioned my mortgage and the Chapter XXXX discharge. After you contacted them, they responded. They sent a letter stating that the reason my loan amount is still the same is because I did not reaffirm it. The documentation that they sent me was incorrect because it stated that my loan was transferred to XXXX XXXX XXXX on the same date that XXXX XXXX XXXX said that they transferred my mortgage to Residential Credit Solution. I spoke with a representative from XXXX who faxed me the documents showing the transfer. I have never death with XXXX or heard of them before I received that letter. After the transfer from XXXX XXXX XXXX, my mortgage payments were made from XXXX to Residential Credit Solution. That was the first time I saw the letter that they said they sent XX/XX/XXXX. Since I am XXXX, I took the information to JAG, Judge Advocate General for the military, and they suggested I get a lawyer. I sent them an email, after not being able to get in touch with them, to let them know I went to JAG and will get back with them. Shortly after that, I received a letter stating that as of XXXX XXXX, XXXX my loan will be transferred to XXXX XXXX XXXX, ( XXXX ) XXXX. They were suppose to be working on a modification, which I did not hear anything about it other than that they received it. I still do not know if it was transferred with a modification or what is the true status of my mortgage. How do you transfer a mortgage in the middle of a modification withour a decision? Should n't I have been notified about the modification results prior to transferring it to XXXX XXXX XXXX? I still feel that my loan was handled in a less than on the up and up by Residential Credit Solutions. I am now in a financial position to make my monthly payments. I do not want to lose my home to XXXX XXXX XXXX, in foreclosure, because it was transferred without a modification decision. Please if I am experiencing this, I am sure others have experience this also. I have lived in my home for twenty one years and do not want to lose it. I do n't think mortgage companies should be allowed to do what they please when you are trying to save your home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Services # XXXX - XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I had a Chapter XXXX dismiss 7 years ago. I filed and had discharged 7 years ago. I understand the Chapter XXXX remains for 10 years but the Chapter XXXX is to be removed after seven years. It is hurting my credit that XXXX Bankruptcies are being reported within one year each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX To Whom It May Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent dispute notices to all credit bureaus as well as Navient to launch an investigation. I am not the only consumer having issues with Navient. They are not trying to resolve any issues. I was recently discharged from XXXX XXXX bankruptcy and my overall student debt was at {$45000.00}. Since I am a XXXX XXXX I applied for student loan forgiveness and my loans were consolidated. Navient was the servicer. Not one time did I receive notice in XX/XX/XXXX that I had a balance with Navient and that {$7000.00} was a private educational loan. They didn't attempt to call or anything. Before initially filing for bankruptcy when I was making payments with Navient, not one time was there a break down on statements indicating a public and private loan. Nevertheless they were provided with updated mailing addresses and telephone numbers as I went through a divorce. The only reason why I learned of the private loan was because I applied for a credit card to rebuild my credit and was denied because Navient reported to all credit bureaus delinquency dating back to XX/XX/XXXX. I immediately contacted Navient and got the run around. Finally XX/XX/XXXX I spoke with a Navient representative, filed a dispute with them to investigate the matter and at that time I spoke with a supervisor who told me it was my responsibility to update demographic information and I stated my information was updated back in XXXX before filing bankruptcy. I was then afforded an opportunity to enter a payment plan to where they can debit my account to take out monthly payments. They also told me that if I make 3 consecutive monthly payments, they will remove the late payments they reported to the credit bureaus and I have done just that. My first payment came out XX/XX/XXXX and I have been current since the agreement. Navient has not followed through with the agreement. They took the late payment off from XXXX, XXXX, XXXX, XXXX, XXXX, but put the late payments at the back end of the year for XXXX ( 30 days late ) and XXXX ( 60 days late ), but XX/XX/XXXX currently paid. So they didn't remove it just moved it back to the year end of XXXX. How can that be possible if my first agreed upon payment wasn't scheduled until XX/XX/XXXX. This has really ruined my credit. I am in the process of trying to get pre-approved for a mortgage and I can not move forward until they remove the late payments as agreed. I have written them letters and have called and they are unfairly treating consumers. Can someone please help me get this issue resolved with the late payments being removed as agreed because at this point Navient is practicing XXXX  techniques.
Product: Mortgage

OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from customers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

An account from XXXX account XXXX is showing as charged off on my Transunion credit report. This is not my account and has been deleted from XXXX and XXXX, due to account being opened fraudulently.
Product: Money transfer, virtual currency, or money service

I had cash app for years but for the last year or two, every time I store money in my account or get sent money through cash app and leave it there, i keep getting hit with unauthorized charges and its not just small charges sometimes it will be hundreds of dollars just gone. Even when I lock my card I still get hit with the charges, but every time I try to contact customer support i keep getting some automated Ai that never help me with my problems.
Product: Credit reporting or other personal consumer reports

I have Student loans on my credit report from XXXX. I have never signed for a Student loan with this provider.
Product: Student loan

Nelnet has continued to intentionally and willfully Report Incorrect, False and Negatively Impactful Late payments to the 3 National Credit Bureaus. I have contacted Nelnet Student Loan Services numerous times including XX/XX/XXXX, the servicer had once again wrongly reported to XXXX, XXXX XXXX and XXXX and they did nothing to fix and/or correct the incorrect/damaging information they reported. Not only that, Nelnet had prior documentation that I was receiving Government Public Assistance, which automatically qualifies Student loans to be placed in a Forbearance/Deferment and they have refused to follow the requirements and laws they are bound by. This has had a TREMENDOUS negative impact on my Credit. It has caused a EXCESSIVE AMOUNT of damages and Nelnet needs to be held accountable. Nelnet has choose to ignore this matter and now I need the CFPB to step in. This has dropped my Credit Score tremendously and have negatively harmed my abilities to justify Credit Worthiness. 

The Federal Government has passed the On ramp which concludes on XX/XX/XXXX marks the official end of the Student Loan On-Ramp, a period in which student loan borrowers were protected against the more severe consequences of missed federal student loan payments.

During the COVID pandemic, federal student loan payments and crucially interest charges were paused for nearly three years. When the pause ended, there was a historically unprecedented return to payments for XXXX XXXX Americans. To ease the transition, an On-Ramp period was implemented. Consequences for Late and Incomplete Payments If borrowers missed payments or made partial payments during the On-Ramp period, interest continued to accrue on their loans but were not reported as delinquent to credit bureaus ( with the aim of easing the transition for those who missed payments over the last year. )
Product: Credit reporting or other personal consumer reports

About a year ago, my loans were transferred from the original loan servicer to NELNET. Then I applied for a PSLF which afterwards my loans were transferred to XXXX. Since that last transfer, both NELNET and XXXX are reporting to the credit agency XXXX that they both have the 13 loans I took out during while in school. So to XXXX, it looks like I have 26 loans and the balances of all 13 loans are listed twice. That has doubled my student debt being reported from XXXX to XXXX dollars showing that I owe for student debt. My credit score took a nose dive of more than XXXX points at the beginning of the year. I can not get any kind of loan because everyone thinks I owe XXXX in student loan debt. I have filed a dispute with XXXX, I have filed a complaint with NELNET, I have filed a complaint with the XXXX, and I have filed a complaint with the Department of Education. I'm not asking for anything more than accurate reports be sent from NELNET to the reporting agencies. My NELNET account shows a XXXX balance but they say they can not report that because the Department of Education has to release them from servicing the loan. Yet, that has already been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CXXXX XXXXXXXX ( XXXX  XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A credit Card was opened via Identity Theft in my name. Now reporting to credit bureaus account balance information and hard inquiry. I have attempted to get XXXX XXXXXXXX to close the credit card account and remove this from my credit report without success.
Product: Credit reporting or other personal consumer reports

Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared. 
The institution provides an explanation of how the consumer can exercise this opt-out right. 
In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America XXXX XXXX Visa Credit Card. 

I am currently out {$3000.00} with no sign of getting it back because Bank of America 's ridiculous security policies allowed them to be duped into transferring money to a random stranger. 

XXXX XXXXI paid my credit card bill of {$3100.00}. 
On XX/XX/XXXX, I was looking at my credit card statement and noticed two strange things.

1. ) An interest charge of {$70.00} 2. ) An ACH PAYMENT REFUND of 2933.04 that I didn't recognize nor ask for On XX/XX/XXXX, I called Bank Of America asking what the ACH PAYMENT REFUND charge was. They explained that I asked for a partial refund of my XXXX credit card payment and that the money had been wired to my bank account. 

I explained that I never requested a refund and that they needed to look into who stole {$2900.00} from me and that I shouldn't have to pay the {$70.00} interest fee since the bill was paid on time. 

The guy I talked to seemed a bit confused and didn't seem to believe me, but he said they'd look into it. A week passed and I didn't hear anything so I called again on XX/XX/XXXX. After explaining to multiple people that they had wired my money to some random bank account without my consent, they finally put me through to the fraud department. 

After another hour on the phone, I think I finally convinced them that this was fraud. I asked them to tell me the account number that they wired the money to and all they would say was the last 4 digits were XXXX. I don't have any accounts that end in XXXX. They said they'd look into it. 

On XX/XX/XXXX, I called again asking them what the status was and I demanded to talk to a XXXX. They put someone else on the phone to ask a few more questions before putting a XXXX on line. I answered the questions, but they never did put a XXXX on the phone. I did get some more information though .... 

On XX/XX/XXXX, someone called Bank Of America two times between XXXX and XXXX asking for a payment refund ( ACH PAYMENT REFUND ). Apparently this person had my credit card number, 3 digit security code, and my zip code. I honestly can't think any piece of credit card data that is less secure and easily obtained than those three, but Bank of America apparently felt those nuggets could only be known by the account holder and gladly accepted a bogus request to transfer almost {$3000.00} into some random thief 's bank account.

Bank of America knows this is going on ... it didn't take me long to find at least 3 people on XXXX complaining about the exact same fraud. 

https : XXXX XXXX  : XXXX It is astonishing to me that they would transfer money to a new, unverified bank account without requiring a more secure identity challenge. They wouldn't even allow me to report the fraud without sending me a 6 digit code to my cell phone! Anyway, I have lost faith that Bank of America will resolve this issue and hope that you can help. 

Thanks.
Product: Debt collection

This company, which I hold no contract with nor received services from, reported a collection account against my SSN in the amount of {$320.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for services or goods they have provided nor have they provided adequate proof i am not obligated to pay the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two new inquiries on my credit report as reported by Experian through my ID XXXX account. These inquiries were unrecognized by me. These two inquiries were from XXXX Financial Services located in XXXX XXXX, DE for a credit card and the second inquiry was from the United States Business Administration DOA in Texas. The person was applying for a small business loan for disaster relief using my SS #. I contacted the XXXXr Financial Services Fraud department and the U.S. Business Administration and both put a fraud alert on each application. I also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

It has been nearly 12 weeks since I filed a travel insurance claim with Chase Card on XXXX. The claim was filed via XXXX and assigned claim number XXXX. It has been followed up with emails. I have supplied all the documents they requested. They have not denied the claim and have not been responsive. A summary of the claim is attached. Additional supporting documents are available.