23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am submitting a complaint on Navient/Sallie Mae loan servicing due to several reasons. My original loan amount after consolidation from XXXX as reflected on their website was {$22000.00}. My current balance today, XX/XX/XXXX is {$98000.00}. I have called them numerous occasions to understand how my balance increased that much during a chapter XXXX bankruptcy period in which I was not aware of interest accrual and never received any correspondence of that fact. Prior to the chapter XXXX bk filling my loan was either in a default or forbearance status as I could not afford to pay the loan and the only options communicated to me was forbearance. My husband was XXXX in the military from XX/XX/XXXX-XX/XX/XXXX and I am not certain if during this timeframe there should have been some form of reprieve from interest accrual. The bankruptcy was filed after his return from the military XX/XX/XXXX due to financial hardship and his eventual unemployment. Every time I've called Navient to discuss repayment options that I can afford, they have been unable to offer an agreed upon amount that I can afford outside of a brief period in which I was paying {$69.00} for a 12 month timeframe after I sent a written note explaining my situation. Since that time I have been unable to obtain assistance in lowering the amount and due to the interest accrual don't see any reprieve or other alternatives outside of defaulting. While I did apply for income sensitive repayment plan, the calculations are based on your IRS tax returns which is misleading due to my husband 's XXXX XXXX. His income fluctuates and I am responsible for taking care of my family and paying household expenses. There is no way I can do that and pay the huge amounts they are asking me to pay on the current income sensitive repayment plan of {$930.00} for 12 months and {$1000.00} for 141 months thereafter.
Product: Credit reporting

I have written several letters to date regarding information that is being reporting to my report from a relative with a similar name. Its has been more that 60 days
Product: Credit card

So i went to the atm and take out some money and saw that my balance was way less than it supposed to be i went into the bank and got a draft form the bank and they said i have a processing payment from XXXX for XXXX usd XXXX xcd so when i look into it it seem as though none of my account were charged to pay this amount i try to reach out to XXXX and was told to provide proof when i did i was later sent to the ad XXXX support page which did not help me this is because none of my pages have access to my credit card so no payment should not come from them. The issue is someone made an order that is not me and the bank already told me to reach out to XXXX i try my best to get it returned and refunded but the process seem so sketchy. please send back the amount taken and cancel i can see form my online banking that the payment is still processing it is not valid and shame on the persons who use my credit card to pay for XXXX subscription
Product: Credit reporting or other personal consumer reports

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXXXXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/year> My only employer is XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union not letting me acces my funds when I get paid direct deposit and its not letting me see nor touch my money because of problems they are having its shut down
Product: Credit card or prepaid card

My previous claim XXXX, against creditor USAA was erroneously closed based on USAA making a false statement to CFPB. USAA represented to CFPB that I did not provide the requested front and back of state issued photo identification. Not only did I send the requested front and bank of my state issued identification, but also sent copies of my passport and social security card on XX/XX/2023 @ XXXX and the fax completed @ XXXX after receiving the USAA email XX/XX/2023 XXXX. I anticipated this happening, I'm not sure WHY the CFPB would take the word of the ECOA and FCRA violator without any conformation from the complainant, baffling. Nonetheless, I have attach all supporting documents to prove the validity of USAA declaration that I did not comply with USAA 's request. On XX/XX/2023 @ XXXX, I received a call from XXXX XXXX XXXX XXXX  of USAA and informed her explicitly I would not discuss my complaint with her and she should use the channel the formal complaint was filed with for any response. I then followed up with a XXXX page word document faxed to XXXX, acknowledging her introduction call and not discussing the complaint in any capacity. Those documents are also included with this complaint. At the time of my application my income was {$100000.00}, I've since started my own XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I recently noticed that I had a derogatory mark on my credit and had no idea why. If you look at my history, it 's pretty much perfect and my credit score is very high, with the exception of this derogatory mark bringing it down. 

After research, I see that I have a bill owed to a company called HP Sears, which I 've never heard of. They have never contacted me, then have never talked to me, and as far as I have been aware, I did n't owe them any money at all. 

However, I do believe I know why they are coming up in my report : A few years ago, I went into a walk-in clinic named XXXX XXXX XXXX with some XXXX XXXX and when I walked in, they assured me that they accepted my insurance and that a consultation would only cost me my co-pay. 

7 months later, they sent me a multi-hundred dollar bill claiming that my insurance did n't cover the consultation and the medicine that was administered. This is after they told me that it did. If I had known that XXXX XXXXXXXX was n't covered by my insurance, I obviously would have left and found a place that was covered by my insurance. 

When I spoke with XXXX XXXX from XXXX XXXX XXXX on the phone about this he was hostile, and called me a liar - saying that his staff never told me I had coverage. This is not true. I maintained that I did n't agree that I should be charged for the visit, and he was so unprofessional that I hung up, and never heard from him again. There was never another letter, phone call, email, from him or any collection agency at all. So, I assumed he had realized that they had made a mistake and removed the bill from my account. 

But it looks like maybe not, because now, years later after researching my credit reports I see that there is a collection agency that now has this bill, and on top of it all they have *never* contacted me. 

I have n't done anything to deserve a derogatory mark on my credit and I want it to be removed.
Product: Money transfer, virtual currency, or money service

Cash app took money and also I tried contacting them through this number and it was not a valid number they took my information instructed me through these steps and swiped all my money out of my account
Product: Money transfer, virtual currency, or money service

XXXX XXXX tried to debit my account {$10.00} on the XXXX of XXXX, the transaction failed duebto lack of funds. I contacted Cash App to stop future debit attempts by XXXX XXXX with whom I have filed an FTC complaint, as these charges were fradulent and unauthorized. Cash App refused stating they won't stop XXXX debits, and they won't block this merchant.
Product: Debt collection

Merchants & Medical Credit Corp. XXXX XXXX XXXX, XXXX, Michigan XXXX Has fraudulently reported a debt that is unrelated to me entirely. They have attempted to collect from me as well. 

They have been unresponsive to my calls and inquiries requesting personal information including my social security number and banking information whenever I try to determine the cause of the debt. When I do not give them my personal information they refuse to give me any further information on the debt. 

I am concerned that this debt could be the result of identity theft which is why I am hesitant not to give my SSN # or Bank ACCT # and ROUTING #. 

These seem like bizarre requests in order to gain more information anyway. 

I am concerned that this is a criminal enterprise.
Product: Debt collection

I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian accused me of not submitting my own complaint, and did not look into the fraud items
Product: Credit reporting, credit repair services, or other personal consumer reports

The following entities/XXXX  accounts has violated my rights. In accordance with the fair credit reporting act. 
15 U.S.C 1681 section 602 A states that I have a 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling 10k .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. 
I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. Can you assist in anyway?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am making this complaint myself, there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and realized that there were a couple of fraudulent accounts on my Experian credit report that I did not authorize nor have I ever been associated with any of these accounts that were opened by XXXX  XXXX account was open in XX/XX/year>. The other one was XX/XX/year>. 
They have balances of {$760.00} And {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXXXXXX XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX  XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX  XXXXXXXX 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

XXXX XXXX  turned me over to Franklin Collection Services for an account opened in XXXX XXXX MO. I have never lived in MO. I contacted XXXX XXXX XXXX in XX/XX/XXXX and requested proof that the debt is mine. They refused to provide any proof and said I must work thru XXXX XXXX. I contacted XXXX XXXX and filled out the web forms and proof of my residency for the past 15 years. I also asked for proof of the debt, such as address of the service, date opened, etc. I have received nothing. I again called Franklin Collection services today, XX/XX/XXXX and they refuse to provide any proof this is my debt. But they have reported me to the credit bureaus causing a huge drop in my credit score. 
Again, if this is my debt I can afford to pay it. But I have no proof of the debt and have no avenues remaining to get this resolved. The total debt is {$430.00}.
Product: Mortgage

I have requested relief from missing payments due to long covid, the mortgage company offered me a payment plan that I can not afford for a second time. The amount that they have offered for a payment is over half that i make and I would not be able to afford other essential payments ( car, student loans, home expenses ). I can afford to make a payment that does repay the past amount, the issue is they will only allow for a 12 month term to make the repayment which I believe is unfair, and not giving me a real chance to save my home.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXXXXXX : your letter of XXXX XXXX, XXXX XXXX, Let 's make things perfectly clear, according to the CFPB, Federal Law and Regulations and RESPA, all cited below, your client Ocwen Loan Servicing LLC, OLS, is NOT and NEVER HAS BEEN Servicer of our mortgage loan. This means the Deed transfer engaged in by OLS and the XXXX XXXX TN Public Records changes by OLS clearly appear to be unlawful. 

The short version : In brief, the " Transferor '' sends a RESPA Notice notifying the mortgagee of the sale or transfer of the mortgage or servicing and that notice provides names and addresses, loan balance and account details, contact info etc. about the new servicer and this 'Transferor '' Notice is required to be provided to the mortgagee with no less than fifteen days prior to the new payment info taking effect. The receiver of the mortgage or servicing is required to send a " Transferee '' RESPA Notice usually within thirty days or so. The " Transferee '' RESPA Notice must contain the same RESPA details and info as the " Transferor '' RESPA Notice. 

What happened is XXXX XXXX XXXX sent a " Tranferor '' RESPA Notice with a signature date of XX/XX/XXXX that said new payments take place XX/XX/XXXX. This was the first violation of RESPA because XX/XX/XXXX was a XXXX day month and the notice was n't signed til the XXXX, therefore we did not receive our minimum fifteen day notice as required by law. 

The new mortgage company or Servicer, " Transferee '' Homeward/Ocwen XXXX KY never sent us a " Tranferee '' RESPA Notice as required by CFPB, Federal Law and RESPA but they accept and process our mortgage payments. This company has not answered any of our written inquiries. 

OLS sends a Notice dated XX/XX/XXXX saying that as of XX/XX/XXXX they are the new Servicer because XXXX transferred it to them and we must make our payments to Ocwen in XXXX XXXX IL. OLS refuses to provide us with a copy of their alleged PHE Transfer Notice and the data contained in their so-called Notice letter does not match any of the details in the XXXX " Transferor '' RESPA Notice that we received which is clearly inconsistent with the federal law, federal regulations and RESPA, therefore, case closed OLS letter to be ignored. 

XXXX XXXX sends us a Notice dated XX/XX/XXXX claiming they have had our mortgage since XXXX and we are to make our payments to Homeward Residential XXXX in XXXX TX. Since their Notice did n't match any " Transferor '' RESPA Notice we had received, cased closed XXXX XXXX letter to be ignored. 

As to your XX/XX/XXXX page XXXX where it appears that you claim mortgage companies can make all the false claims or so-called mistakes and errors they want and there are no penalties or safeguards for this and that those false claims or errors do n't require correction is for someone else to respond to, not us. Perhaps we misunderstood your page XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time, as evidenced by bank statements and payment confirmation receipts that show my payment was processed and sent well before the due date. 
Despite providing these documents, the late payment was inaccurately recorded on my credit report by all three agencies ( TransUnion, XXXXXXXX XXXX XXXX XXXX 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, XXXXXXXX XXXX XXXX  have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.