23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have made a total of XXXX calls to Navient Customer Service starting XX/XX/XXXX through XX/XX/XXXX to attempt to get a resolution on my student loans. On XX/XX/XXXX I was notified via Email that my College, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was closing effective immediately. I was currently enrolled in their Bachelors program as a XXXX XXXX XXXX. I was told that the school would be sending us transcripts and attempting to transfer our credits to other Colleges. I checked online and the federal government website states that " If youre a student loan borrower ( or a parent who took out PLUS loans on behalf of a student ), you may be eligible for a 100 % discharge of federal student loan funds borrowed to attend your school under any of these circumstances. Your school closed while you were enrolled, and you did not complete your program because of the closure. If you were on an approved leave of absence for purposes of the federal student aid programs, you are considered to have been enrolled at the school ''.

Therefore I submitted my documentation to the Federal Department of Education to have my loans Discharged. Since Navient is the Provider for my private loans, I contacted them to obtain more information about my options to discharge them as well. The Customer service representative said that they had not heard of any school closing but that they can escalate my case to their management in order to reach a resolution. Every time that I have called after XX/XX/XXXX ( XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ) I have been met with another Customer Service Representative that states that their case notes provide no resolution, that my case has been escalated with no updated information. On the last attempt to speak to customer service they stated that I have no remaining Forbearance or Deferment options so I am forced to continue to pay while a decision is being made on my account. I was given no other options or information other than " My account was put under review and will be updated in a week '' prompting my search for other methods of assistance.
Product: Credit card

Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I did not receive any notification or mail regarding their reappearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account Number 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 was a victim of identity thieft these medical account is not mines I have police report ftc report also XXXX open XX/XX/2018 Americcollect inc
Product: Mortgage

I tried refinancing a mortgage with Wells Fargo In 2021. The property was moved into a trust, and wells assured me they could lend on a trust-owned property. After almost 10 months of invasive document requests, and several rounds of updates they finally told me they cant lend against trust owned properties. 

XXXX had initially tried to convince me not to refinance elsewhere because they told me they would likely not be able to get me a XXXX to forgive the mortgage tax on the original loan amount ( on which mortgage tax was already paid ). But since they wouldnt do the loan in the end, I ended up moving the loan to another bank and paying the mortgage tax again in full with the new loan because wells did NOT provide the XXXX. That cost me roughly {$16000.00} on the {$800000.00} original loan. I think what they did was wrong and dishonest and Id like to be reimbursed for a mortgage tax I shouldnt not have had to pay twice. Thank you
Product: Debt collection

I was reviewing my credit report and noticed a collections agency by the name of Harris Ltd on my report dated XX/XX/2019. I was very upset at this information, so I looked them up on the internet and gave them a call. To my surprise they kept sending my call to different departments ... ... I finally was sent to a gentlemen by the name of Mr. XXXX. I informed him of my issue and stated I had no business with there company and I would be reporting them to the CFPB. When I stated what I had plan to do he said have a good day and hung up on me. I proceeded to call back and they kept transferring me to XXXX emergency hotline. The XXXX department had no idea why they sent me to them and the young lady I spoke with new who Harris and Harris LTD was. She told they were a debt collections agency that purchased debts and try to collect money not owed to them. I value my credit and I am proud to say I have not one collection account. I will fight this to the end and plan to sue in court after the CFPB finishes the investigation.
Product: Debt collection

LOOK, I JUST GOT ANOTHER XXXX DEBT COLLECTION NOTICE FROM ANOTHER XXXX COMPANY REGARDING XXXX!!!!!!! I AM SICK AND TIRED OF STILL GETTING XXXX DEBTS REGARDING THIS XXXX ACCOUNT!!!!!!! I HAVE EVERY XXXX RIGHT TO BE FRUSTRATED!!!!!! AND I AM NOT GOING TO THE XXXX POLICE AGAIN WITH THIS STUFF EITHER!!!!!!!! I AM HIGHLY XXXX!!!!!!
Product: Debt collection

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institution : These is all unauthorized inquires : PORTFOLIO RECOVERY ASSOCIATES. These illegal inquires is reported illegally on my XXXX XXXX XXXX, XXXX, XXXX and XXXX and must be removed asap. Also my XXXX XXXX XXXX has many errors including a date of birth XX/XX/year> which is inaccurate and must be deleted because my correct DOB is XX/XX/year>. Also my XXXX XXXX has many addressed which is all inaccurate, my only address is XXXX XXXX XXXX XXXX, XXXX IN, XXXX. This illegal information must be deleted from my credit report under section 15 U.S code 16815 2 ( B ) or the fair credit reporting at. pursuant to section 15 U.S code 16815. 2 ( B ) of the Fair Credit Reporting Act, Stating " Information alleged to result from identity theft " If a consumer submits an identity theft report in person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct and send the required notifications to all furnishes of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting Act.
Product: Mortgage

We feel that due to the lack of integrity of our loan officers and their team we were forced to pay {$1800.00} in extra costs associated with securing our mortgage from Pacific American Mortgage DBA XXXX Home Loans. We were told that they were familiar with HUD FHA XXXX Streamlined Loans. When in fact they were not. They were not honest with us on more than XXXX occasion. Due to this dishonesty our closing was extended twice which forced us to change plans twice, i.e. extend our obligations. Specifically, we were forced to find an alternate location for belongings to include our XXXX XXXX pull trailer and XXXX XXXX XXXX ( rented storage at XXXX ), pay rent for one and a half extra months at XXXX XXXX at XXXX Apartments with all utilities and insurance, also due to being forced to reside in this location personal belongings were vandalized ( XXXX XXXX XXXX, window broken and work tools stolen, actually totaling {$500.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

In late XXXX I brought two checks to my local XXXX location at XXXX XXXX XXXX. One check contained my federal tax payment of {$16000.00}. 

On XX/XX/XXXX I checked online on Citibanks website and saw that the check had been deposited. However, I noticed that the federal government address, and my social security information had been erased and someone had written a new name on top of the check, so it was now addressed to and cashed out to XXXX XXXX. This had been done so poorly that you can still see my handwriting in the background. 

I was very surprised that Citibank had failed to catch or notify me of this fraudulent activity. I immediately contacted Citibank on XX/XX/XXXX, filled out an affidavit and requested a temporary credit for the funds since I still had to pay my taxes. I explained to several Citibank representatives that not only did I lose {$16000.00} but I now have to pay an extra {$16000.00} to the IRS. I explained that the situation is putting me in extreme financial difficulty and as a lifetime Citibank customer I would expect a higher level of protection or at least support here. 

Since this has all happened Citibank has notified me that they will not be able to provide me with a credit while they resolve the case. This is further putting me in financial difficulty. I have also been told by a Citibank representative that this case will take up to 120 days to resolve since they need to speak with the other bank that received the deposit. For the record the other bank is XXXX XXXX. 

I have pleaded with Citibank to provide me with a credit, but they have told me that there is nothing else they can do and they do not have the power to force another institution to take a look at the case. 

I have since spoken with a lawyer who has seen the image of the cashed check and has told me that it seems outrageous that Citibank can not provide a temporary credit. The lawyer also suggested that I file a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as Experian, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN ODA Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX  CARD Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/2020
Product: Debt collection

im disputing these following accounts. because those accounts are not mine and there are hard inquiry that are not supposed to be there by law. 

following accounts are : XXXX XXXX - XXXX  # XXXX XXXX : {$6000.00} XXXX XXXX  # XXXX XXXX : {$750.00} XXXX XXXX # XXXX XXXX XXXX - XXXX  # XXXX XXXX XXXX -XXXX  # XXXX XXXX XXXX - XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX- {$2300.00} THOSE ACCOUNTS ARE NOT ACCURATE
Product: Checking or savings account

All related accounts are Band of America checking accounts. 
On XX/XX/XXXX, I received a notification that an amount of {$130.00} was deducted from my current checking account. I called BOA many times in the recent 2 weeks. All related departments including customer service, account recovery department, fraud department, claim department kicked me to other departments.

From their words, I concluded the information, it is a long story.

1. I had a closed, frozen checking account ( ending in XXXX ), which was frozen around XX/XX/XXXX and closed in XX/XX/XXXX. BOA stated that I owed BOA a balance due with {$28000.00} on this checking account. 
2. I never received any formal notification or letters from BOA. But recently when I tried to open new checking account at other banks, I was told that based on " Early Warning report I am not eligible for opening new account as I might have debt with BOA.

3. Back to XXXX, I logged into BOA online banking and noticed that a transaction with {$28000.00} was deducted from my previous checking account. The screenshot with this transaction showed the money was transferred by a check and this check is a machine-printed check without my signature. Actually, I had never booked a check book for this checking account. 
4. I reported immediately to BOA Fraud department. After review the details of this transaction, the fraud department returned the credit to my account. After that, fraud department helped me freeze this checking account, set up a new checking account, new log-in ID for my online banking and also transferred all money from frozen account to new checking account. All these transactions happened in XXXX XXXX. 
5. Since then, the frozen checking account had a balance with XXXX dollars. I did not touch the frozen checking account any more. This frozen account was removed from my online banking since XX/XX/XXXX by the system. I have had no access since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.
Product: Debt collection

I recently just submitted a complaint against this company regarding the alleged debt owed on a repossession. They said in their response to my complaint that I have a loan for {$15000.00} and I only made XXXX of XXXX payments of {$470.00}. 
Those XXXX payments equal over {$20000.00}, totaling more than my debt owed in the original contract. I have requested proof of payments from this company and they have closed my case with the CFPB without providing any proof other than a written statement. 
I have paid over {$5000.00} extra on this loan and they are still demanding and claiming I owe an additional {$2000.00}. This is not correct. 
They are incorrectly reporting this on my credit along with incorrect payment amounts and dates. I have disputed and have provided proof of the inaccuracies and no one is fixing this. 
If I was charged over {$5000.00} in fees, I need to be shown where in the contract I agreed to this. I sent over {$20000.00} to this company and my loan was only for {$15000.00}. They said it themselves I have paid over {$20000.00} in their written statement but provided no proof of payments, no proof of the contract and no proof showing the fees I was charged.
Product: Credit card

On XX/XX/2024 I called the company ( Capitol One ) in regards to a {$120.00} interest charge made on XX/XX/2024. The agent told me it was because the introductory APR had expired. I had asked the date of the expiration, and was told how that interest accrues based on the last 2 statement cycles but no date was provided. I paid the balance in full on XX/XX/2024 to make sure the card was paid. I contacted the company on XX/XX/2024 to ask for the charge to be removed since I didn't know the expiration date of the promotional 0 % APR and it was not included in any statement or document since the account was opened. Per section 1026.7 ( b ) ( 14 ) that date must be provided on periodic statements. I asked again can you please provide me with the exact date when the promotion expired, two agents ( XXXX XXXX XXXX ) could not find such date even after looking for a total of 49 min. Instead I was told that balance transfers would automatically accrue interest. This account never had a balance transfer to which I was told to go to a website to learn how to calculate interest rates, but the date was never provided. Finally the agent XXXX ( Agent # XXXX ) told me that she could only put my comments in feedback to the company, but nothing could be done because the promotion had expired, to which I asked again can you please provide me with the date the promotion expired and she repeated herself that she could provide my feedback to the company and I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to XXXX and Transunion and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from Transunion or XXXX. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order Transunion and XXXX to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.
Product: Debt collection

Based on Section 609 and 601 of the fcra and USC 1611 this  company is required to provide proper debt validation in order to collect a debt in which I have no knowledge of therefore this debt is inaccurate and should be removed from my credit report as soon as possible it is deemed has a fraudulent account
Product: Debt collection

I just recently viewed my credit report and noticed that an item was turned into a charge off. I never received a XXXX According to the IRS canceled ( charge off ) is a ordinary income.Income does not get reported on consumer report. 
15 USC1681eb
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent accounts that are someone using my identity to open up these accounts. 


XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX  - {$100.00} XXXX