23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have received both XXXX Grants and federal student loans since I began my higher education journey in 2003. While attending both my XXXX and XXXX  studies ( XXXX XXXX College, UT XXXX and XXXX University ), I worked full-time and/or was on paid internships for the bulk of that time ; so that I could try to keep my school loan borrowing amounts as low as possible. I am now being told that I could have been offered income based repayments while I was still in school and working full-time. Instead, I was placed on deferments for the duration of time that I was in school ; to include the six month grace period afterwards. I very likely would have qualified for the {$0.00} IDR payments during periods of employment from XXXX ; however, was never offered that as an option. After graduating with my XXXX XXXX XXXX, I started out in low pay, non-profit work environments to gain experience ; and, for years off and on, I could not afford my monthly school loan payment. Each time I contacted FedLoan to let them know that I couldn't make a full payment, I was always steered towards financial hardship deferments. It has come to my attention that they had the authority and power to offer me the option of lower monthly payments or partial payments ; but that was never the information I was given. Thousands of other student borrowers have reported very similar stories ; and this creates significant ethical and possible legal concerns due to the nature of the student loan industry already having a dark cloud due to noted manipulation of borrowers by certain loan companies that I will not name here as it's well known information due to recent, large scale settlements. I am more than willing, if given the opportunity, to pay all previous periods of forbearance and deferment so that those payments can be counted towards my XXXX payments to achieve XXXX. I am not asking for a handout ; I am simply asking that a wrong be righted. I have worked as a public servant for almost 15 years ; and am taking care of XXXX XXXX  family members. I am respectfully requesting that periods of forbearance and deferment be considered for XXXX forgiveness by FedLoan and the DOE ; to include allowing borrowers to retroactively lift those forbearances/deferments and pay the amounts that would have been owed at that time. Thank you for your time and consideration in this matter.
Product: Mortgage

My 16 year mortgage with XXXX XXXX XXXX  XXXX and was sold in 2016 to a company called Bayview Loan Services LLC out of XXXX Florida. 

I always made my payment all these years. BAyview loan services increased my taxes and did not believe I had insurance and applied force placed insurance. 

Now this was an error that Bayview Loan refused to correct, I have 17 month proof,. 
You call, and they just do nothing. They refuse the regular payment and start foreclosure. 

This is total fraud. And a scam. I was a XXXX  XXXX. They are in violation of ORC and government codes. I fought this foreclosure myself, because every attorney refused to help unless I had XXXX. So I did it myself, I am XXXX years old, have lived in my condo for 18 years and now I get to go to a shelter. 

This is such a terrible thing they are doing to many. I called the scam squad in my area, they would not help either. I have lost income due to the foreclosure, and I lost custody of my grandsons, I was raising due to my daughter death. So now I am kicked to the curb, like a dog. And I had a perfect record, till they changed my payment and refused the regular payment. Bottom line this is a collection agency buying old loans and then the scam begins. This company is in 5 states. Because there is no quality control, no one check balances, or to see if the mortgage should go into foreclosure. I worked for XXXX XXXX XXXX XXXX. for 15 years. I did XXXX  and I can not save mine home, no one is checking to see their errors, and it looks like I am delinquent because of the increase of {$200.00} on my payment. My taxes did not go up, and my insurance is paid my the condo association. I was doing just fine till they bought my loan and increased my payment I am happy to meet anyone who can help or anyone who cares, to prove this. I get to even lose all my possessions because I have no where to put them, my whole life going in the trash. I am now going public and going to the media. They have to be stopped. Check out the complaints on line from customers, over 800. I also called the FBI. Nothing is happening. The decision on my house is this week, and if they win I plan to continue to fight. Such a shame this is happening in todays times. I do feel my age is a factor.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of multiple unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, resulting in these unauthorized accounts being added to my credit report. Following Experian 's guidance, I promptly filed an FTC Identity Theft Report and submitted it, along with all necessary documentation, to resolve the matter. Despite these efforts, these fraudulent accounts remain on my report, causing undue stress and harm to my financial standing.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian only lies and steals money and payment history. As usual I was notified about disputes ready to view and of course there not, PLOY TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Money transfer, virtual currency, or money service

Send {$1000.00} through Zelle to the wrong person and never got my money back XX/XX/year>
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mishandled my information, this puts ma and 143 million other people at a high risk. I was listed as a potential victim according to their equifaxsecurity2017.com website.
Lastly, Equifax did not notify anyone quickly enough. Over a month has passed since this breach and he just heard about it on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX XXXX and i have uploaded supporting documents to support my cliam on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit file, I noticed a company by the name of Rent Recovery Solutions on my report that I never heard of, nor did I receive a dunning letter. I am looking to have this removed from my credit report until they can prove that I did business with their company, in which I have not, nor did I receive any notice that this so-called debt would be reporting on my credit file. Please remove from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frost Bank did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called Frost Bank after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask Frost Bank to remove this incorrect information from my credit report.
Product: Debt collection

Back on XX/XX/XXXXcontacted XXXX XXXX/collection asked them about this account # XXXX in the Amount of XXXX they advised me that they had Bought this credit card account from XXXX XXXXXXXX XXXX I advised them that the account not mine they look at the account that it was a valid account that I would with the CFPB case XXXX that was sent to the XXXX now the collection agency is caused my credit scores to Fall back in XX/XX/XXXXmy credit score XXXX XXXX XXXX they are now down to XXXX XXXX XXXX as of XX/XX/XXXX this Account was open on the Internet With out my Knowledge and yes there is a Police report made I also sent a letter of demand today by fax
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlockXXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX Was untair and deceptive, as they difa not " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I went to XXXX XXXX XXXX GA XX/XX/XXXX I signed documentation to take out a private student loan from XXXX XXXX I was forced to withdraw from school in XX/XX/XXXX of the same year. without completing my XXXXr of school. In the ledger documentation the school says the received XXXX from the lender and XXXX was refunded, for some reason first associates aka XXXX says I owe them XXXX I called to inquire about this amount and they can give me no information since they took control of the matter XX/XX/XXXX ( interest rates disbursement amounts and dates ). so no idea were this extra money came from. and there is no way that it accumulated XXXX dollars in interest in 2 years unless there is unfair lending practices. XXXX XXXX should have sent every dime back considering that I had fed loans to cover the lil I went to school. It has destroyed my credit and I do not know what to do about it.
Product: Credit reporting or other personal consumer reports

Attention : Honorable XXXX XXXX From : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Your office know me personally and Ive fought to bring attention to how your personnel have refused to do due diligence with XXXX Consumers, but this round I will work with my XXXX XXXX & XXXX Congressman to assure your personnel are doing their job as a XXXX XXXX. 
XXXX XXXX denied the Release of my Soft Pull Tri-merge Credit Report, I faxed a Request for the Release of my Tri-merge Credit Report with all, all 3 Credit Scores from each Repositories that supposedly was submitted to CrossCountry Mortgage on XX/XX/XXXX, I spoke with a XXXX XXXX, mgr with CrossCountry Mortgage about this Discriminatory Threat by XXXX XXXX by only submitting to XXXX XXXX only XXXX of XXXX of my XXXX XXXX XXXX for which a Criminal Supremacy act. My XXXX Report XXXX, my XXXX XXXX and my XXXX Report was XXXX, the reason these Criminals at XXXX XXXX submitted such criminal acts were to have me paying a higher interest rate and a higher Discount Points, pretty Slick XXXX criminal acts and intentions, but I Fight Back against XXXX Consumer Criminal injustices and threats to the XXXX Consumer like myself as well and a XXXX Veteran! XXXX XXXX and its employees are very familiar with me personally and very knowledgeable of my Buying Power as a XXXX XXXX and XXXX XXXX is attempting to suppress my Credit Report, but Im well aware of my Rights under USC 15, and Im looking for a Consumer Protection attorney to go after these XXXX  these White collar criminals. See attachment of my XXXX XXXX Report XXXX form that I faxed to these blatant Criminals!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX charged this account off XX/XX/2020 Now they are reporting it as 90 days late payment since the charge off. They just added all this late payments when I disputed this account last month. Therefore it seems to be retribution and I cant even contact XXXX  XXXX. They have sold the debt to a collection agency so Im not sure how they are reporting 90 day late payment after they charged the account off. Im trying to settle this account but they are making it extremely difficult.
Product: Payday loan, title loan, or personal loan

I was told that I would have to pay a specific amount bi weekly, the amount was {$100.00}, but on my paydays almost {$300.00} was taken out of my account. XXXX XXXX XXXX keeps calling my job and I am not allowed to take personal calls. This could easily result in me getting fired. I have explained to them on severeal occasions that they can not continue to call my place of employment but my request have been ignored. This is illegal and has to stop immediately.
Product: Mortgage

My home loan was transferred to Selene Finance effective XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX to confirm Selene would pay my property taxes ( I have an escrow account ) due XX/XX/XXXX. He asked me to email a copy of the property tax bill to Selene, which I did same day. He advised that Selene would pay the tax bill, and if they didnt do it next day XXXX XX/XX/XXXX XXXX, they had up to 60 days to pay it because they had just assumed my loan. 

On XX/XX/XXXX, Selene refunded me {$4800.00} from an escrow surplus. I confirmed my property taxes ( {$3600.00} XXXX had not been paid that were due XX/XX/XXXX - and now the County of XXXX XXXX assessed a late penalty, bringing the total to {$4000.00}. On XX/XX/XXXX, I called and emailed Selene Finance to determine the status of my property tax payments. I received a letter on XX/XX/XXXX indicating they received my correspondence and would respond within 30 business days. On XX/XX/XXXX, I received an email with a PDF letter XXXX Attachment 1 ) from Selene indicating Selene began servicing my mortgage account as of XX/XX/XXXX and that my inquiry had been submitted to the Selene Tax Department for further review regarding the XXXX tax payments due : " Upon completion, and if applicable, the disbursement will be made to satisfy the installments due. '' My mortgage statement dated XX/XX/XXXX reflected {$4300.00} in my escrow account - it was now insufficient to cover the XX/XX/XXXX and the XX/XX/XXXX payments because Selene incorrectly assessed my escrow surplus and refunded me {$4800.00} in XXXX. I called Selene in XXXX and spoke to a representative in the Tax Department that confirmed my XX/XX/XXXX and XX/XX/XXXX tax payments would be effectuated XX/XX/XXXX and that the late fees would be covered by Selene, which also planned to subrogate my former mortgage servicer to recoup their costs. She also confirmed, thereafter, that I could make a one-time payment to pad my escrow account because they had incorrectly over-refunded me in XXXX. As of today, Selene has still not paid my XX/XX/XXXX tax payments. And, unfortunately, Selene has over-debited my escrow account for multiple tax payments that have not been made. 

Selene records indicate it paid taxes on my behalf on XX/XX/XXXX for {$3600.00} Selene records indicate it paid taxes on my behalf on XX/XX/XXXX for {$7200.00} Based on the amounts listed above, Selene paid from my account 3 sets of tax payments at {$3600.00} each, without paying the penalty. This is documented in Attachment 2 - p.1 ). 

Desired outcome : Selene confirms when it has paid the XX/XX/XXXX tax bill of XXXX ( Attachment 3 - printed XX/XX/XXXX ). 
Selene corrects its books and my account ( Attachment 2 - p.1 ) : Selene needs to cover any late fees owed for late tax payments ( per the Treasurer, this is {$360.00} for the XX/XX/XXXX taxes and {$360.00} for the XX/XX/XXXX taxes. Selene then needs to credit my escrow account to show only 2 sets of taxes XXXX grand total of {$7200.00} XXXX was debited from my funds, directly. Once this is done, I will pay the additional funds to my escrow account that they incorrectly refunded me in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$550.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : XXXX XXXX XXXX XXXX XXXXXXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It's been a while since I took action, and so far, there has been no resolution. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter. Here is the list of negative accounts I want addressed as soon as possible