23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In  XXXX   XXXX  I was diagnosed with    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . IN anticipation of running afoul of my bills I contacted  Navient  and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of  XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in  XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on  XXXX   XXXX ,  XXXX  now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So  XXXX  different stories.  <P/> IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving   XXXX    daily phone calls from " unavailable '' early  XXXX  and late  XXXX .  Imagine  having to run to the phone with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   while recovering from   XXXX   XXXX   Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from  XXXX  or some country using a dialer and I am not giving you information about me that you can use to hack my identity.  <P/> " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone.  <P/> I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement.  <P/> I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway.  <P/> What can I do.. I am recovery from    XXXX   XXXX   . I have  XXXX  now sent the required paperwork and they are playing games.
Product: Mortgage

A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.
Product: Student loan

I have student loans with XXXX, I refinanced them through MEFA in XXXX of 2020. MEFA never paid off XXXX. Now MEFA/XXXX  are demanding payment and charging me interest for student loans they never paid off. They did not pay off the loans that I was refinancing. My student loans instantly went from XXXX to XXXX and are being reported on my credit report. 

This is 100 % fraud on MEFA/XXXX. They refused to work with me and are now demanding payment for loans that are invalid since they did not payoff the loan that was being refinanced. 

I contacted MEFA at XXXX multiple times about this and they say there is nothing I can do and I am responsible for paying them. 

So now, after attempting to refinance I am still responsible for paying the original loans to XXXX while MEFA is also demanding payment. I am also accruing interest now on invalid student loans and is about to be marked as delinquent to an invalid loan which is theft.
Product: Vehicle loan or lease

On XXXX I learned that US Bank had a lien on my vehicle. This was a shock to me as I did not borrow any money from US Bank to purchase the vehicle. I never had a loan of any sort from US Bank. So the lien was an obvious error to me. 
I went to a US Bank branch office in XXXX XXXX, Wisconsin to get the matter resolved. The branch told me they could not assist me that I had to call an XXXX number. So I called the XXXX number to request the lien be waived. The US Bank representative told me I had to show proof of lien to them via fax before they could take any action. So I went to the XXXX XXXX XXXX XXXX XXXX  ( XXXX ) to obtain proof of lien. I then brought proof of lien back to the US Bank XXXX XXXX XXXX and requested they fax the proof of lien. I also asked the branch manager to make a call on my behalf as I was caught in an administrative snafu and needed the lien released so I could sell my car. The manager told me there was nothing he could do to expedite the matter. So I called US Bank again to inquire about the fax and was told to email the documents to them. So I emailed the documents to US Bank. I called again. Spoke to someone who could not help me and tried to brush me off but I asked to speak to a manager. Eventually I spoke to a manager and she said she would look into it. After much back and forth the manager said she would call me back around XXXX XXXX XXXXXXXX on XXXX I am still waiting for the call back. Of course I called back. I called again on XX/XX/. No movement. I am still waiting. 
All I want is the lien released. There is no loan. How can a lien be on a vehicle when there is no loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$400.00}
Product: Debt collection

LVNV FUNDING LLC has placed a collection account on my consumer credit report. I do not know who this company is. I have Never done business with this company. I have NEVER signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company that I habe no knowledge of.
Product: Debt collection

Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously, Conn 's knows exactly what account I am referring to and they have provided all the evidence needed to prove they are acting in an unconscionable manner.
Product: Checking or savings account

I rented a XXXX rental car in the XXXX area in late XX/XX/XXXX. There was windshield damage due to a small rock. I notified XXXX upon arrival when I turned in the rental car. I submitted an insurance claim with USAA in early XXXX due to XXXX sending me an invoice of over {$620.00} for the windshield repair, which appeared to me as an elevated cost. I provided documentation including invoice, rental agreement, and pictures to USAA for windshield damage that XXXX provided me. I checked in with the USAA claims adjuster intermittently. In XX/XX/XXXX, I contacted XXXX and asked if the matter was resolved. He told me that there was nothing further and the matter was handled. A debt collection agency contacted me on approximately XX/XX/XXXX, and stated XXXX sold the {$620.00} debt to them. I called USAA that same day and the insurance representative stated the claims adjuster documented in late XX/XX/XXXX that he had not received an invoice from XXXX, which was preventing him from releasing the payment to XXXX. He did not share this information via text, email, portal, nor telephone to me. Of note, the invoice was supplied to him by me when I initiated the claim. The claims adjuster called me on XX/XX/XXXX and stated he was waiting for a copy of the repair invoice. Apparently, USAA is really patient and likes to wait XXXX  months for documentation to close out a claim and not communicate the status at all to the consumer during that XXXX timespan. I called USAA on XXXX XXXX to speak with a supervisor since this is now a much more serious matter since it now effects my credit report and score. Now the claims supervisor and stating that they will not be paying the bill and the burden of resolving the debt and impact to my credit report/score now falls on my shoulders, not theirs. I've been a customer of USAA since I joined the military. I've paid my monthly premiums on time and have an excellent driving history. So, USAA was going to pay XXXX upon receipt of an invoice they already had in their possession for the past XXXX  months, but the moment I bring forward a complaint, the bill and damage to my credit report/score is my responsibility not theirs even though they created this situation. Conveniently, the portal in which communication took place for the claim seems to support my recollection. The USAA claims adjuster communicated no concerns nor were any annotated by the adjuster to me. There was no additional communication from the adjuster since XX/XX/XXXX.
Product: Checking or savings account

Good morning, On XX/XX/2021, at XXXX XXXX I withdraw {$400.00}, from a TD bank Atm located at XXXX XXXX XXXX in the XXXX, NY. As soon as I took my atm card out and waited for my cash to be dispense, the machine turned off. I informed the store worker, ( ATM machine was inside a Metro PCS store ) and told him the machine didn't give me the money. The Store worker informed that the machine was having issue all day and someone had just came to service the machine. I had made three claims to TD Bank, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and all three were denied. The machine didn't dispense the money, and it was not my fault due to the machine malfunction. I'm sure they can check the ATM camera and see that I dint take the cash.
Product: Vehicle loan or lease

My name is XXXX XXXX, I have been with Honda since XXXX. I am contacting you in regards the account # XXXX. I been paying my notes on time for the past 10 years for two accounts. The account I mentioned was for the leased XXXX XXXX XXXX. I made the decision to purchase the car since I love Hondas. The purchase occurred on XX/XX/XXXX at Honda XXXX XXXX, however the final payment was sent to Honda Financial Service on XX/XX/XXXX. I have sent letter from the dealer showing it was their fault sending the payment late. the late payment was reported in my account on the XXXX of XXXX. 

I have been trying to resolve this since XX/XX/XXXX. I have called many times, I sent letters to XXXX  as I followed everything he asked me to. My account was set on autopay, I never been late, I have no intention to be late. It was the last payment. So I kindly request considering me being Honda customer since XX/XX/XXXX, never being late, and this being the last payment, and being its the dealer fault submitting my final payment 15 days late, so I kindly request to remove the inquiry on my credit report of this late payment. Please remove this late inquiry from my credit bureau since it was not my fault and I feel tight and powerless not able to have my rights and protect my credit report from others fault.
Product: Student loan

I was not living with my parents at the time. They made my mother XXXX she is from XXXX, a citizen of the XXXX but still an XXXX, she didnt know what she was signing. I needed the money to pay the University XXXX XXXX. I tried to settle multiple times or ask or payment relief, reduction of interest rate. The interest rate is 10 %, once in deferment this loan has now grown to a {$38000.00} balance - initially taking out XXXX. THe only thing I was offered was a quarter percent XXXX .25 % XXXX rate reduction for setting up direct withdrawal. I can not afford the monthly payment yet they will not do anything to help. Ideally I want to refinance this and pay less montly but also at a lower interest rate. At this rate I will never pay off this loan. I should n't be crucified or bullied into high interests because I wanted to get a college degree. It is a shame and I feel it is " PREDATORY LEDING '' to the XXXX degree. The financial crisis allowed the XXXX industry to get out of their high interest and bad debt - these banks that lend to students target people who need the money to pay for education. What is wrong with this picture? I THINK A LOT!! How can we do this to the next generation of people trying to make something of themselves?? Putting them in an unrealistic financial situation with ABSURD interest rates and will not budge to settle the amounts or give a break on a XXXX interest rate.. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with their mishandling of a fraudulent XXXX XXXX account ( # XXXX ) on my credit report. 

On XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under Report # XXXX. In accordance with my rights under 15 U.S.C. 1681c-2, I submitted a formal block and delete request to Experian on XX/XX/XXXX ( see attached ), including all required documentation, via certified mail. Experian received these documents with receipt confirmation. 

Following my submission, I also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX ( see attached documentation ) regarding Experians handling of this fraudulent account. In response, Experian responded to my dispute and complaint with an updated report sent on XX/XX/XXXX. Experian stated that the conducted an investigation and the fraudulent XXXX  XXXX account ( # XXXX ) had been deleted from my credit report ( please see the attached documentation ). 

However, on XX/XX/XXXX, Experian unlawfully reinserted this fraudulent account on my credit report. This constitutes multiple violations of the FCRA, including but not limited to : 15 U.S.C. 1681c-2 ( a ) : Failure to Permanently Block Fraudulent Information Once a consumer submits a valid identity theft report and requests blocking of fraudulent information, the consumer reporting agency must block the reporting of that information within four business days. Experians reintroduction of the deleted fraudulent account directly violates this statute.

15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Credit reporting agencies are required to maintain accurate and complete records. Experians failure to do so constitutes gross negligence in handling consumer data.

15 U.S.C. 1681n & 1681o : Willful and Negligent Noncompliance As a result, I have consulted a credit attorney who has informed me that Experians knowing and reckless failure to maintain accurate records and its unlawful reinsertion of fraudulent data have caused me reputational harm, financial distress, and unnecessary burdens to correct these violations. Additionally, due to Experians continued failure to comply with its legal obligations, I have suffered financial harm, emotional distress, and the continued negative impact of fraudulent reporting. I am therefore eligible for the following remedies : Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

Actual damages suffered due to Experians noncompliance.

Punitive damages as determined by the court.

Reimbursement of reasonable attorneys fees and costs of litigation as provided under 15 U.S.C. 1681n and 1681o.
Product: Credit reporting or other personal consumer reports

XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XXXX XXXX XXXX  request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the company offered me the credit card, they never mentioned that their commissions for credit opening as well as for the use of the Plastic ( credit card ) would be immediately upon receipt of the card and not annually as most credit companies handle it, so When I received the first account statement, I noticed these improper charges because they were never notified to me initially, so I contacted the company to request the cancellation of the card and I told them that I was only going to pay them in that moment the amount that I had used which in that moment was only {$400.00} on the card and they told me that this was not possible and that even if I canceled the card I have to pay the amount used as well as the charges issued by his company, I asked to speak with a supervisor and got the same answer, I have To point out that communication was always very difficult because all the people I spoke to on the phone seemed to be of XXXX origin and their XXXX was not very fluent. I don't know if their call center is in the United States or in another country.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX
Product: Mortgage

PNC refused to provide the pay off document to the title company after receiving the probate information from the will administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Debt collection

AR RESOURSES. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 Florida At times of Incidents I had moved into a XXXX XXXX Shelter in XXXX Florida and was using State Provided Insurance at XXXX State Granted Issuance. Contact Department of Health Human resources for I.D . numbers or XXXX XXXX XXXX XXXX XXXX Florida XXXX Was informed that the bills incurred from E.R physical inspection report and other accumulated Dr . Visits would be handled by State/County Insurance. Please send me any paperwork for crisis payment or Homelessness verification as I stayed at XXXX XXXX XXXX XXXX XXXX. Please understand that I have been provided with XXXX Payment at XXXX per month and receive benefits on 1 of month each Month. I  'm Sorry for any misunderstandings on my behalf as it was mandatory visits I made as a resident of both XXXX and XXXX XXXX XXXX XXXX after leaving XXXX. 
MY EMAIL IS XXXXXXXXXXXX