23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Last year I tried contacting Navient to find out how to put all my student loans on hold, get them consolidated and to let them know my family and I are displaced. I also tried this year because we are displaced, I lost my job and even sent them a copy of the homeless verification letter and termination letter. They could not get back with me last year and could not give me proper information this year. I as trying to use my taxes to get a place to stay and now can not because they have taken them. I explained to Navient about me being displaced and wanting to get help months before and was not helped. I have been contacting a number of collection agencies that do not get back with you, are no longer involved or phone numbers do not work. Borrowers should not be held accountable, especially in extreme circumstance conditions where they are trying to reach out for help and who ever is trying to collect is not trying to be compliant by meeting the borrower half way. I am looking to file a grievance and have my income tax returned so we can find a stable place to live. When I contacted the company on the letter from the Department of Treasury, they had wrong and outdated information and they just recently got my file and I have been trying to rectify the situation before it came to them. The lady XXXX ( XXXX at XXXX ) gave me an option that would not even apply to me even after I gave her time frames of our hardship. There is no way, that no one knows what is going on with my loans and can not help me be on the repayment program but can assist with garnishing my tax return months later. Also, when I spoke to Navient I also gave them the correct information and if Navient or someone else decided to input the wrong information, that is not something I should be held accountable for since I already gave the correct information. I also have my current homeless verification letter from this year but do not currently have it in front of me to submit with this documentation. Please help us.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report and I can no longer be compliant with fraud. 

Transunion is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX XXXX  XXXX but this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) XXXX is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled. 

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Transunion and asked them to validate this debt properly, yet they failed to correct the information. 

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness. 

Attached to this complaint are : 1. A copy of my Transunion credit report showing the inaccurate balance. 
2. A copy of the 1099-C form from XXXX XXXX XXXX confirming cancellation . 
3. A copy of my previous dispute letter to Transunion and their inadequate response. 

I urge the CFPB to investigate Transunions noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

im am writing in regards to equifax reporting inaccurate information on my credit report. i have no acknowledge of the chase account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I saw virtual currency removed from my Coinbase account. Concerned that I was hacked, I called Coinbase support team. Coinbase team explained that my bank reported insufficient funds, and that I was credited with excess virtual currency as a result. Hence, there was no hacking involved, and that money was removed by Coinbase to account for my checking bank account 's insufficient funds. However, per support team, since I called to inform that I was " hacked '', even if they agreed that I was not, they closed my account and will let their " specialist '' contact me to have it opened again and that " it is not under their hands ''. I have called the support team again multiple times, and was told repeatedly " they can not do anything '' and " wait for the specialist to call you ''. No one has reached out to me since they closed my account, and they refused to open my account for me to gain access to my own money. I am held hostage for being concerned that I was hacked, and up to this point, have no access to my own money because of their refusal to expedite the process claiming " it is out of their hands ''. I do not know what else to do as I have repeated called and emailed them to no avail. They are not giving me access for 20 days now and counting. Please help me get my access and my own money back.
Product: Student loan

I have been enrolled in the SAVE plan for awhile now. I got notified that I would be placed into a forbearance and interest would not accrue during this time. I have compared my balance from a year ago to today and it has accrued over {$500.00} worth of interest. It also still states all my original interest rates, so they are not set at 0 %.
Product: Credit card or prepaid card

I logged into my account today ( XX/XX/2018 ) and discovered I had no available credit despite utilizing less than {$600.00} of my {$2500.00} limit. I called customer service, and they told me that this was a computer issue impacting thousands of customers, and they were working on it but nothing could be done right now. I was NEVER notified of this issue. I only found out because I logged into my account and called. Later, I tried to submit a secure message on the credit card website, and that was not working either! None of my issues have been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been reporting wrong information ( my name, address, accounts, etc .. ) on my credit report, I have sent dispute letters to fix this situation and the credit bureaus have simply ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Onemain Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/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 XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have made several attempt s to get AFNI to verif y this debt through  XXXX . They continue to send me a copy of a final bill from  XXXX  disregarding any of the other information I requested per my right to get validation of this debt.
Product: Mortgage

I am an XXXX XXXX service member and my house was damaged during XXXX XXXX. I have been working a Modification with PHH since XXXX and after a denial, an approved appeal I sent in the notorized modification and because of an " notary error '' they could not approve the modification and had notorized it again and again they said there was an error. I called and they said it was because my middle initial was included on the notary page, when on the paperwork it did not show my middle initial. So for a third time I had it notorized without my middle initial. Well this was all going on I have been trying to sell the property. I got an offer for {$88000.00} and ordered a payoff and the payoff did not include the {$45000.00} the mortgage company is holding for repairs from the hurricane. Since I owe {$120000.00} and the I need the insurance proceeds to be included on the payoff so the title agency knows how much to transmit at closing. After hours and days on the phone I sent PHH an error notification and filed a CFPB complaint. Now on the same day I filed that complaint, they sent me a letter stating I decided not to accept the modification. This is not true. I accepted the modification 3 times and never stated I do not want the modification. I have just been attempting to get an accurate payoff. I submitted the payment for the modification and today after calling they tell me the modification was canceled and they rejected my payment. I still have not been given an accurate payoff so I can't sell and now they took away my modification. I never requested a short sale or cancellation of my modification. I only requested an accurate payoff with the insurance proceeds that PHH is holding.
Product: Checking or savings account

Wells Fargo had taken the payments I made using their online Bill Payment system and duplicated the payments. When I viewed my account it now showed me as overdrawn because their system showed double the money taken out due to the duplication. The bank did not advise me this was occurring. I did not find out until I went to pay for my dinner and the waitress advised my card has been declined. 

I called into Wells Fargo and had to spend two hours on hold for them to advise me they had a " Glitch '' and it would correct itself by XXXX. 

I was financially harmed as I had to charge my dinner onto a credit card ( paying interest ) to cover my dinner. Money that should have been available to me for use.
Product: Checking or savings account

Capital One is not providing access to our direct deposits, which is causing fees for late bills. We can not get through to anyone, and they just keep posting that it's a technical issue, with no information on when we will receive our money or if they'll provide compensation for late fees.
Product: Vehicle loan or lease

72-month used-car purchase loan for me ( a senior citizen ) from Wells Fargo and 72 payments made on the loan. 2 payments deferred until the end of loan as allowed by Wells Fargo. An insufficient disclosure was given to me stating that the deferments would require that more than 72 payments be made on the loan given how 2 months of interest payments would be deducted from each months payment subsequent to the deferment before reducing the principal balance. XX/XX/2018, statement received with a due date mentioned of XX/XX/2018. I was advised on XX/XX/2018, via letter that the remaining balance was due on XX/XX/2018. There was no " 10-day '' notice provided. Statements for XX/XX/18 reflect late charge may apply after XX/XX/18 and also indicate payment due XX/XX/18, statements for XXXX and XXXX reflect a similar pattern. I contacted Wells Fargo numerous times saying balance appears inaccurate. I contacted Wells Fargo on XX/XX/2018, and entered into an oral payment arrangement with Wells Fargo and made subsequent payment the next day in the amount of {$200.00} which they posted on XX/XX/XXXX. I was contacted subsequently by Wells Fargo who informed me that my account was in charge-off status. The accounting that Wells Fargo has provided to me does not agree with the balance as indicated on my statements or credit file ( charge-off ). Wells Fargo by placing me in " charge-off '' status has cut-off my access to my online Wells Fargo loan account so that I am no longer able to do any research into the balance on my own. Even the accounting that they provided to me ( please see attached ) when I questioned the balance yet again does not reflect the amounts they are reporting to the credit bureaus {$1000.00}. Also, the last due date reflected on their accounting was XX/XX/XXXX, so how could I be late on payments? They need to provide new due dates. Please see attached. I have asked to speak with the complaint department and was transferred to a telephone line where no one picked up and there was no way to leave a message. I tried online via the Wells Fargo website to locate a complaint address ( physical or email ) and was unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete.

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately.

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected.

Thank you for your attentiontothismatter.
Product: Debt collection

I allegedly have a medical debt in collections, and I spoke with multiple people about verifying its authenticity, and I wanted more proof that it is in fact my debt. I asked them to send me proof that its my debt, like my name on a contract, signature of me acknowledging the debt and things of similar nature sent to me. The first time, they didnt send anything. The second time, they sent me a single piece of paper, a collection notice that I owe them money. They said thats the proof I asked for. I said I wanted proof that I acknowledge the debt, name on contract, bills with my name on it and things like that. Not something they printed off their computer saying I owe them something. Thats not what I asked for, so I told them if they cant send me the related documents I asked for and cant prove its legally mine then to stop trying to collect it and stop calling. They still keep calling, and they even started calling my work.
Product: Bank account or service

Capital One 360 is my retail bank. XX/XX/2016, the bank began rejecting my attempts to deposit checks to my savings account. For more than six years before that, I deposited electronically without incident. I have corresponded repeatedly with the bank via the Message Center on the Web site since XX/XX/XXXX, and the bank says the tech team is working on the problem. There has been no progress that I can discern and the bank has offered no report on progress. I think two months is ample time to solve this problem.
Product: Credit card or prepaid card

Synchrony Card was charged for Ashley furniture that I never received. Ashley stated that they sent the cancellation to Synchrony, but Synchrony is still billing me for it. It was for a Love seat and Sofa totaling {$1700.00}. I have reached out to Synchrony several times including disputes. I have also reached out to Ashley furniture. At Ashley, my contact was XXXX. I have been trying to get this resolved for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my Equifax Credit report and found several inquires on the same date that I did not initiate or authorize. I contacted Equifax and during my XXXX hour phone call was advised that they tried to verify the inquiries and could not. 
I advised them that since they could verify the hard inquires they needed to be removed from my credit report. 
even after advising the the inquiries could not be verified, they refused to remove them and stated I needed to file a report with the FTC to have them removed. 
The inquiries were made by the following companies on the same date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also an additional hard inquiry made by XXXXXXXX XXXX that I did not authorize on a different date. 

Equifax is intentionally hindering me and other consumers from correcting inaccurate information on our credit file and it is having direct negative effects on my ability to obtain the credit I deserve by intentionally taking action to negatively affect my consumer credit score. 

Additionally, Equifax is deliberately blocking my ability to retrieve dispute results from their website and not providing me updated credit reports when changes are made due to disputes that are filed.
Product: Credit reporting or other personal consumer reports

I took out a loan with Mobiloans. Ive been paying it for some time now. I came to find out that the interest rate exceeds California usury limit of 10 %. This makes the loan illegal and unenforceable. As such, I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buy a car. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX, Equifax and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.
Product: Mortgage

We missed several mortgage payments with Nation Star Mortgage. When we called to make our account current, they gave us an amount to pay for all months including XXXX ( on XXXX XXXX and we paid it ). Then in XXXX we received notice that we owed backpayment for XXXX as well as XXXX. Throughout the last several months we have submitted payments- which were held and returned eventually- ( they would hold them until new fees accrued and then say our payments were not enough to cover the amount plus those new fees. ) They have lied repeatedly about how and when we could make payments. They consistently 'lose ' faxed information- or even say that we did n't sign- even though we have copies of the faxed documents which show that we signed or included information which they say is " missing ''. Now they are foreclosing on our house. They will not provide a reinstatement quote. The amount we owe changes by hundreds of dollars between people in less than an hour of time. XXXX agent told me if I made my payment out to him personally, he could accept it and apply it to our balance. The fees are exorbitant, and they will not tell us what the fees are for. All we want to do is pay the money and keep our house, but they are making it impossible- by not allowing us to know the amount we would need to pay. Legal documents that we have received from them have things crossed out and handwritten in. Pages have been omitted, and then someone blacked the page numbers out so that it would appear no pages were omitted. We are never able to speak to the same person twice. It takes hours on hold to even talk to an actual person. They have terrible customer service, they lie, and I feel they are predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 & XX/XX/2021, I contacted Lexis Nexis via certified mail asking them to validate how they received information on a bankruptcy that they are reporting on my credit report. I have not received anything In writing as to how they validated this information they are reporting on my credit report. The federal law requires them to respond within a 30 day window and they did not. I also contacted the Bankruptcy Court myself and they told me that they do not furnish this information to any credit reporting agencies. 
Please help me with this matter!
Product: Checking or savings account

I file a complaint with Wells Fargo about my XXXX dollars because XXXX XXXX took out money for yearly membership fee and I cancel my membership Wells Fargo has not gave me my money back yet