23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I read in the news that my current servicer, Navient, is being sued by the CFPB and that if I 've experienced anything negative during my experience with them that I should submit a complaint. 

I have three major complaints about Navient. The first is that I was not aware of the fact that all unpaid interest on my outstanding loans would be capitalized if I consolidated them with Navient. This means I 'm paying interest on top of interest and seems unfair. Secondly, I 've made attempts in the past to make additional payments beyond my minimum in order to pay down my loans more quickly. Doing so, however caused me to get booted from the income based repayment program I was on and gave me a budget crunch when my payment skyrocketed without notice. Lastly, every year when I have to recertify for my income based repayment I 'm not given any kind of notice or forewarning and I think this is also done intentionally to boot me off the income based repayment program. 

I have a fico score over XXXX and am paying 6.75 % on these loans which seems usurious. I hope the new president allows me to refinance at a lower rate and have the outstanding balance forgiven for me after 20 years instead of 25. Also, some action needs to be taken on making the forgiveness of student loan non taxable. Currently I will have to pay income tax on any debt forgiven after 20 years.
Product: Credit reporting or other personal consumer reports

I've never made these accounts, and very strongly suspect them to be frauds. Do a thorough investigation and have them removed from my credit report without delay. I have provided documents to support my claim.
Product: Credit reporting or other personal consumer reports

I reached out to the bureaus about this debt being reported on my credit report. It is reflecting as a delinquent account from XXXX XXXX  I no longer owe this debt. All obligations have been made.
Product: Mortgage

morgage company refused payment after we reported the co owner/payer has XXXX. 
we then tried several covernment programs and XXXX refused that too. stating they are a private company and was rude. seting it in XXXX for forclosure. we then filed bancrupsy and the court ordered them to take payments, for XXXX would say sall or nothing. during the bancrupsy which was to be put tward the principle, they put it all on intrest and escrow XXXX keeping it there then mis reported the ows to the court, and did not give us the proper acounting for the loan. also complained that they were going to work with us. and they kept refusing payments unless forced by court. they used the XXXX mis reported taxes to the court to increase the trustee 's pay we were to paay to increase it over our fixed limit, income as we sold all our buisness assets and items to cover it. finaly we could not pay the payment and beged the court for help. the lawyer who was to take care of it just added alot of fees and did not take care of it. the case had to be dismissed. then we called XXXX they said they are to forclose and gave us a false incorect statement, asked more for the loan then we started the loan in XXXX and used multiple tricks and huricane harvy court offices being closed front door step to forclose. then their own employee bought it. we have apealed it and not still trying to get them to coaperate. note me and my wife are totaly XXXX. and they would not listen or do anything. we calculated the home to have less than XXXX left. and the trustee payment info does not match their statements. they did not put the payments proper and did not do as the plan stated. we can not afford the lawyers for we paid alot to them in the past and got no where. we are still geting taxes from the XXXX lady for the house. and they are using the forclosure to whipe out the records so it can not be seen. can someone please help us they have been doing stunts. also the lawyer that went against us decited that they will not represent XXXX after seeing the stack of evidence we reported and what they had done. every lawyer took a look at my wife and felt bad. including the judge. we have not got any return or records from XXXX unless we request it and what we got back is false and incorect. we have not ever recieved a XXXX tax form.
Product: Credit reporting or other personal consumer reports

Bought camper paid down payment XXXX never applied to loan the took the money slide would not open on camper and camper malfunctioning they were un abele to fix it stuck XXXX told the to return it they picked it up said they were paid in full with full refund charged it off deputed on credit files all 3 on was removed XXXX came and took the camper voluntary surrender camper un livable poorly built malfunctioning electricals issue 's un abel to drive fuel or open slide unlival faulty products issues un able to live in unit had to stay in hotel for 18 months please remove all charge of from all XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type XXXX  Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency MONTHLY Term Duration XXXX MONTHS Purchased From - Sold To - Balance and Amounts Balance {$67000.00} Credit Limit - High Credit - Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Debt collection

This account is ran as a charge off but I never received any of the 1099 cancellation of debt form and because of that this account is inaccurate and has to be removed
Product: Debt collection

Dear Sir or Madam I am writing to complain regarding the illegal Debt Collector tactics that was used to collect the debt. On XX/XX/2021 I have received a Collection Letter requesting me to pay {$450.00} to XXXX XXXX  and XXXX. from REMEX Collection Agency located XXXX XXXX XXXX, XXXX, NJ XXXX. 
I don't recall having any services rendered from XXXX XXXX XXXX XXXX therefore I requested a Validation of this debt. For this purpose I have sent a letter on XX/XX/2021 to Remex Inc with the Dispute of the claim and Validation request under FDCPA 15 USC 1692g Sec. 809 ( b ). 
Up until now XX/XX/2021 I have not received any responses from REMEX confirming that this debt is in fact belongs to me. I have contacted my Health Insurance Company and they were unable to confirm that I received any services for the amount of {$450.00} from XXXX XXXX XXXX XXXX 
REMEX however is continuing sending me requests for payment without properly validating this debt. I have send the letter to REMEX asking them to either provide me with the proper documents confirming that this debt is mine or stop pursuing this matter. However they are still harassing me with their requests. I believe this is frodulnet activity by Remax in violation of Fair Debt Collection Practices Act. Thank you
Product: Money transfer, virtual currency, or money service

Bank will not allow access or app is not allowed access to be able to borrow money
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Student loan

I tried contacting Mohela because I can't login to my account to check on or pay my loans. It is saying that they have no information that matches my SSN and birthdate, and when I go to create a new account it says theres an error. I have received letter in the mail from Mohela about my loans and on the federal student aid site, it says I took my loans out of Mohela and need to pay Mohela back. 

Ive tried forgot my password, forgot my username, Ive tried to reset it through the locked out page, and Ive even tried making a new account. I've also tried calling twice, but they didn't answer for over an hour each time. I've also tried emailing them. 

I can't make a payment on my loans or check anything and my payments are due.
Product: Credit reporting

XXXX XXXX sent over an update thread to Transunion on XXXX/XXXX/15 advising to update the status on my credit file for the XXXX XXXX account to paid, closed with no late pays. Transunion has failed to update this information. In addition the Dept of Education also sent over information to Transunion to delete my account but Transunion has failed to act accordingly. The Dept. of Education sent this information to Transunion around XXXX XXXX, 2015 and Transunion has failed to update this information on my credit report. It seems as if Transunion is in the business of keeping credit scores low. It is unacceptable to receive information to update a credit file and it takes them over 30 days to do so. Please see attached thread from XXXX XXXX dated XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Noticed XXXX XXXX accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX  XXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Send 3 letters to Experian, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXXXX/XX/XXXXXXXX XX/XX/ XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/ XXXX XXXX XX/XX/ XXXXXX/XX/XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA 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$0.00}.
Product: Credit card or prepaid card

Around XX/XX/2020 someone stole {$4000.00} out of my bank of America debit card, I made a claim reporting the incident and the bank froze my card and sent another one. The new card that was sent I never activated because I was afraid the same thing would happen again, so I waited for response from bank of America. Two weeks later I got letter claiming my case was closed for fraudulent activity and my money would not be recovered. Meanwhile my unemployment benefits still being sent to the new card. I called again to try to get a reasonable answer for claim being closed, but was told to contact edd. I'd try contact edd but no response. So I decided to check to see balance on new card since money was still being sent, and I was told the new card was closed for fraudulent activity. At this point I don't know what to do.
Product: Credit reporting or other personal consumer reports

I am writing in response to your investigation results regarding my dispute of the bankruptcy and the XXXX XXXX account listed on my credit report. I dispute the validity of your verification process and assert that your actions have violated the Fair Credit Reporting Act ( FCRA ) and related laws. Your verification method is improper, and your failure to adhere to legal standards has resulted in a fundamentally inaccurate credit report. 

The Verification of Bankruptcy through XXXX  XXXX is Improper and Illegal You claim to have verified the bankruptcy through XXXX  XXXX. This is not only a clear violation of FCRA provisions, but also a failure to meet the legal obligations of a credit reporting agency. The bankruptcy itself is a public record, and verification of such records must come from official court filings, not from creditors like XXXX XXXX. 

FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a thorough and reasonable investigation when a dispute is filed, including verification of public records from official sources. The bankruptcy filing is a public record, and you are legally obligated to verify it directly with the court, not through a creditor 's statement or an account entry.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that creditors are obligated to report accurately, but they do not have the authority to verify a bankruptcy filing itself. This responsibility lies exclusively with the court that issued the bankruptcy order.

Bankruptcy Abuse Prevention and Consumer Protection Act ( BAPCPA ) further clarifies that only a court can verify the bankruptcy as a public record. Capital Ones confirmation that the debt was included in bankruptcy is irrelevant to verifying the bankruptcy itself.

FCRA Section 607 ( 15 U.S.C. 1681e ( b ) ) mandates that credit bureaus ensure that the information they report is accurate and complete. Relying on XXXX XXXX to verify the bankruptcy is insufficient and legally inadequate, as they are not an official source of verification for public record events like bankruptcy filings. 

Let me be clear : Courts do not provide bankruptcy information directly to credit bureaus. 

Because of this, XXXX XXXX can not serve as a valid source for verifying a bankruptcy filing. Your reliance on XXXX XXXX  statement about the account included in bankruptcy is insufficient and does not fulfill your duty to verify the bankruptcy filing through official court records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 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 conviction, or crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-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 information is in accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list below has violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC Section 602 A. States I have the right of privacy.15 USC 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instruction. ( I did not give ) .15 USC 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 then records of conviction of crimes which antedates the report by more then seven years.15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe. 

I am disputing all accouts with, all the Credit company 's. XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was seeking refinance rates and checked through XXXX XXXX. XXXX XXXX provided Amerisave as a lender option. Their rates were deceptive, when I asked them for a competitive rate I had seen from other lenders they tried to mislead me into thinking they could match the Arte but they were going to raise my principle significally ( in my case $ XXXX on a $ XXXX principal ) and they tried to gloss over it as if it was common. The rate that I had them compare it to was no fee with lender credits. Additionally they pulled my credit report without my permission ; in fact when they asked if they could pull it, I declined and they did it anyway. Very disreputable lending practices. I would give them no stars if this allowed.
Product: Debt collection

I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
TALLY TECHNOLOGIES XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX INACCURARCIES DISPUTE Dear Customer Service Agent, This is a dispute correspondence in reference to account number, xxxxx with Progressive. Upon reviewing my credit reports I became aware of inaccuracies. 

Under the FCRA, I am entitled to a fair and accurate credit report. Therefore, due to the misrepresentation of the loan type and other inaccuracies, I request the following paid account is deleted from all credit bureaus reports. If the account is not removed, I will file a complaint with the Consumer Financial Protection Bureau. 

I submitted a dispute with the Transunion. The account was verified. Instead of Transunion investigating thoroughly, Transunion continuously report the account with missing AND inaccurate information. Due to my own investigation, I was able to find the discrepancies and missing information. Please review the highlighted information in the attached supporting documents.
Product: Checking or savings account

On XX/XX/2021 I was made aware that checks that I wrote from my XXXX XXXX  account on behalf of my non-profit organization, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to Farmers Market vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by Navy Federal Credit Union as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service Washington Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and XXXX keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before Navy Federal Credit Union will reimburse XXXX, and then XXXX would reimburse me. I have told XXXX that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 's XXXX  - {$92.00} - XXXXXXXX XXXX XXXX XXXX  - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. But Navy Federal Credit Union is telling XXXX I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. XXXX believes that NFCU is asking for " unreasonable evidence '', which means they want an image of the check before it was altered. Why would I have that? Do people regularly take pictures of checks before they put them in the mail? I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where Navy Federal Credit Union does not want to pay for the fraudulent account that they held for XXXX XXXX XXXX XXXX ). I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX XXXX XXXX XXXX is not employed by the XXXX XXXX XXXX.
Product: Debt collection

I submitted a request on XX/XX/XXXX to XXXX to dispute information on my credit report for Midland funding collection. I submitted proof that I paid the account in full on XX/XX/XXXX in the amount XXXX. And they did not update the account on my report to the correct status of being paid and closed. I want my credit report corrected.
Product: Credit reporting or other personal consumer reports

All I know is I got an address out of XXXX XXXX on my credit report and I've never lived in XXXX XXXX a day of my life I got tons of inquiries I've went to experience about this and they refused I guess to really look into it XXXX or XXXX XXXX so I've never lived in XXXX XXXX  today in my life but I have a XXXX XXXX address in my my credit profile of my experient account and my XXXX and transient so I'm not sure who's a plan for crediting my name or go with his doing all the submitting for trying to get approved for cards or something but XXXX XXXX addresses and not correct I don't live in XXXX XXXX never have my whole life but it's in my credit report and they won't fix it I reported to him so I don't know what else to do about it but I'm pretty sure that that's why I'm being hacked and people signed up for stuff in my name and all kinds of crazy stuff being hack a lift it right I'm not sure what to do and it's that easy thing to get my credit report. Address they got all my information I've been involved in like four data breaches so I don't know who's the blame but experience should have fixed this already whoever that address is down because I've never lived in XXXX XXXX  day of my life
Product: Checking or savings account

A individual contacted me and pretended to build a relationship with me for a whole year. He gave me a sob story telling me that his mom had passed away he went to XXXX he was stuck over in XXXX if I would help him to open up an account to provide his checks to go through so that he can get back. Come to find out that the checks were fraudulent after the fact that they wanted a refund of the {$4200.00}.