23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Texas Guaranteed student loan company started charging me repayment XXXX  years ( 2007 ) earlier while I still was attending school fulltime. They took a {$6600.00} income tax. $ XXXX in payments. {$16000.00} at {$1600.00} a month for XXXX  months. Added in {$7000.00} in fees. They took over - {$25000.00} + added {$7000.00} with no receipt. That's {$32000.00} dollars in fees. They said XXXX reported me XXXX. I never went to XXXX part time
Product: Mortgage

My mother passed away in XX/XX/XXXX. At the time she was living in her house at XXXX XXXX, NY, XXXX County. There was a reverse mortgage on the house which allowed us to pay her bills and maintain the residence. After she passed away we contact NOVAD, the HUD company managing reverse mortgages. We were given the option of selling the house, with the proceeds sent to NOVAD to satisfy the reverse mortgage or to transfer the house to HUD. We opted to sell the house. The buyers and sellers agreed to a contract for the sale. The buyers were able to procure a mortgage through their bank and a closing date was set in early XX/XX/XXXX. Due to the initial onset of COVID, NY State closed all non-essential law offices which delayed the closing until the end of XX/XX/XXXX. My mother 's family was contacted to file out the paperwork NOVAD requires to initiate the payoff of the reverse mortgage. The lawyer handling our end of the transaction obtained the contact information from NOVAD via email. From what we gather by the emails we received XX/XX/XXXX, sometime in XXXX or XXXX email communication between NOVAD and our lawyer was apparently hacked. It appears instead of the buyers bank sending the payoff to NOVAD via certified check it was wired to an account in Oklahoma. The perpetrators were able to convince the parties involved that due to COVID checks would not be accepted and that a wire transfer was now required. Last XX/XX/XXXX our family was notified by the XXXX Department of Finance that two documents were recorded on the property, a deed and mortgage. Ownership of the house appeared to be transferred to the new owners. Property tax liability was transferred to the new owners. After that date we received no additional correspondence on the property until this past Friday, XX/XX/XXXX when the sellers lawyer received a letter from the title company that a settlement letter was never received and that the money wired to payoff the reverse mortgage wasn't received by HUD. We were able to obtain some of the email documents earlier today from the sellers lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has deliberately been ruining my good credit rating without just cause. A review of my Experian credit report shows that each other month Experian has lowered my Fico score without reason. I had a good credit rating with Experian and now I have a fair rating. All the other credit reporting agencies have me as either good or very good rating. There have been no changes in a few years that would give justification to perpetually decrease my rating e.g. no past due accts in several years, no inquiries hard or soft exceeding the allowed amount, no late payments, no excessive credit use. I called them and made inquiry as to why they are doing this to me and they had me speak with a dept that does the scoring and as a result of that call I was left with no answers and was told they don't know why. As a result of the actions taken by Experian a couple of my creditors have lowered my limit and/or have cancelled my account with them.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting

On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX and I noticed a collection from XXXX XXXX XXXX The name on that account ends in XXXX and that is not my name. I have never been known by that name.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX {$460.00} XXXXXXXXXXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX  reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.
Product: Credit card or prepaid card

I received an offer for a credit card from Discover by mail the last week of XX/XX/2019. It stated I was pre approved for 18 % -21 % apr on a Discover It card. I applied and was denied, they then told me I could accept a different card at 26 % apr. They then hit me with a hard inquiry for turning their TERRIBLE offer down. The interest percentage is WAY HIGHER than what I was lead to believe regardless of rates. I've never had a card with an interest rate that high. This is a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sorry I did not document the dates I contacted Chase Bankruptcy 's Department XXXX. It was a few times since the year XX/XX/2011. I asked them why they would not report my payments ( which were all timely ) to the credit bureau 's and I was told because I went bankrupt. I don't understand for I asked my lawyer not to include them in the bankruptcy. 

In my last conversation with them I asked them ; " If after the 10 year period, which is soon, will you report my payments then? 

They said no. In other words, forget about it.
Product: Credit card

Discover emailed me about fraud activity on my credit card. I received the email and contacted them when I got the email. It was determined that the charges were fraud and card was not in my possession. My last known whereabouts were at a XXXX XXXX. I was within rights of notifying discover of my fraudulent unauthorized charges. they instructed me that there is a XXXX XXXX liability on fraud charges. i thought everything was ok until XX/XX/XXXX where i called them on status of dispute and they said they were denying the claim and that i will be billed. i was like why was n't i notified and why is it denied? they said because i had fraud on my account earlier in the year? i did not authorize those charges, i did not do those charges. i asked what im suppose to do to? they said i need to file a police report for them to reconsider. i went straight to the police office. they actually were n't even too happy i was there because they felt i was wasting their time? one officer said he was taking the report as a courtesy. 2 weeks later discover denied it still. i then asked the XXXX police department about it and they told me that discover fraud department are not the law enforcement and they are in no position to be acting like it. by treating me like a criminal, and acting like they were the police really upsets me. i did everything they asked and even went to the police for help, i am running out of options?
Product: Bank account or service

I am making a complaint about Wells Fargo. I bank through Wells Fargo and wrongfully receive statements through the mail that contain my name, address, and account numbers. Although account numbers are XXXX out at the top, they are written in full at the bottom of the document. There are not proper safeguards around my account information because mail can be easily stolen. My credit card information is frequently hacked and I believe this may be part of the issue. Additionally, I have opted out of mailed statements ( they should be online only ), but Wells Fargo continues to send me statements by mail.
Product: Credit reporting

I wrote to XXXX XXXX Bank asking them to provide proof that they own the debt which was not originally there 's. I got no response and it 's been well over 90 days. I asked XXXX and Equifax that they be removed and it was only deleted from XXXX. I would like them removed from all XXXX bureaus.
Product: Debt collection

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

AMERICOLLECT {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT XXXX XXXX XXXX XXXX  Open XX/XX/XXXX -- Individual {$210.00} {$210.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hurricane Irma, Planet Home Lending, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
Product: Student loan

I am filing a complaint against Navient, because I have a private loan with them, and my aunt is the cosignor. I was advised by Navient that as long as I have 6 months of perfect payments, they will remove my aunt from my loan. However, once I reached that 6 months of perfect payments, they advised that I actually have to have 12 months of perfect payments before they would consider removing my aunt from the loan. My aunt 's credit has been negatively impacted by this, and she is struggling to cosign for her own daughter who is going to be attending college next year. 
Aside from that issue, the interest rate attached to this private loan is very high, 13.5 % -15 %, and I have struggled to afford the monthly payments, going as far as paying late on other bills, and my debt to income ratio has had a drastic impact on my credit score. 
I work full-time for a social security law-firm, and am XXXX a single mother XX/XX/XXXX. When I reported my XXXX to Navient, in hopes that this would offer some sort of relief for me, they advised that it would not. Their customer services is horrendous, I get told different things about my loan every time I call in, and it has been an extremely emotionally and financially draining mess of a situation.
Product: Mortgage

After being accepted for a loan modification I was instructed to make payments directly to BB & T Lost Midigation Dept NOT my regular Mortgage Dept. Asking the loan dept why my payments were not showing up on my statements I was told they knew about the modifacation and not to worry. So far disputes with the bank and breaus has had no effect. XXXX, FL XXXX Home phone XXXX S.S. # XXXX BB & T Mortgage : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / Navient and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.

I have asked the Dept of Edu/ Navient to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX , XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to  this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / Navient includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.

The company Dept of Edu/ Navient has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting b
ureaus : XXXX , XXXX  and XXXX } should be sent to me immediately.

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

There is a wrong personal information in my credit report, my full name is XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to seek assistance regarding an ongoing issue I am experiencing with PayPal, which has led to the continued withholding of funds in my account without clear justification. I hope you can help me resolve this matter promptly. 

On XX/XX/XXXX, I filed a dispute with PayPal after noticing several transactions on my card that I did not recognize. As a result, PayPal is currently holding a total of {$590.00} in my account. 
I contacted XXXX customer support, where I was informed that these funds would remain on hold until XX/XX/year>, due to potential disputes, claims, chargebacks, reversals, or other liabilities. 

Of the {$590.00}, {$300.00} was sent to me by a family member, with whom I have a long history of transactions through PayPal with, and whose payments have never been problematic. The remaining {$290.00} consists of refunds from PayPal for disputed transactions, all of which PayPal ruled in my favor. 

I have email documentation from PayPal confirming these rulings : On XX/XX/XXXX, PayPal informed me that {$33.00} was refunded to my account as a result of a favorable ruling. 
On XX/XX/XXXX, PayPal sent two separate emails stating that additional {$200.00} and {$63.00} were also refunded to me.

Despite these funds being officially ruled in my favor, I am still unable to access or transfer my funds out of PayPal.

The {$300.00} sent by my family member is not in dispute, and the {$290.00}, which was refunded to me by PayPal, was ruled in my favor based on the disputed transactions.

I am attaching the relevant email correspondence from PayPal for your reference.

Given the circumstances, I am uncertain as to why PayPal continues to hold these funds, and I believe that it is unjust for them to do that.