23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

We applied for financing through Service Finance LLC for a pocket window replacement project through a home remodeling company. Our financing was to begin at the completion of our project. The project was to take one day for the tear out and replacement of 9 windows. 7 months later the project is not complete however the contractor has been paid by Service Finance which trigged the beginning of our promotional financing. Prior to paying the remodeling company, we had been inconstant contact with Service Finance both over the phone and via email. The agreement with Service Finance was that the Contractor would not be paid until our job was complete. In XXXX we received a billing statement from Service Finance only to find out the Contractor had been paid without consulting us. The Contractor lied and said our job was complete. Since the original window install date in XXXX, the windows had to be torn out a second time and reinstalled due to poor workmanship ( including frames and trim ). Since the original install, we have not had a complete set of windows, The windows are not sealing properly as the majority of the sashes were bowed. We have had 5 " service '' calls with 17 bad sashes since XXXX. We also still need another tear out and install of 3 windows as the frames are crooked as well as 3 more sashes. We filed a complaint with Service Finance disputing the payment to the Contractor. According to our contract, we were supposed to sign a Certificate of Completion in order for the Contractor to be paid. We never signed anything. On XX/XX/ Service Finance said they would pull back the funds from the Contractor if they did not receive a copy of the signed Certificate of Completion. There is no signed agreement but Service Finance is unwilling to pull back the funds. Neither company followed protocol and now we are suffering the consequences. We do not have a complete project and we are now expected to pay. The Contractor calls this " warranty '' work even our job was never complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : 1. XXXX XXXX Account # : XXXX Original Creditor : XXXX 2. XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : XXXX 6. XXXX XXXX Account # : XXXX 7. On the XXXX Report there are 2 account that are continuously being reported with no account name listed. The account # 's begin with XXXX & XXXX which is in violation of FCSR by not publishing proper information. 

8. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Product: Mortgage

XX/XX/2015 I applied for and was granted a modification of my Mortgage with my lender Nation Star Mortgage. XX/XX/2015 I started my 3 trail Payments of {$880.00} for the three months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which were paid ahead of the scheduled time for the payments to be made. On XXXX XXXX 2015 ( I believe to be the accurate date ) I received notification that all of the trail payments were successfully applied and that my new modification payments of {$820.00} would start on the XX/XX/XXXX, I then made XX/XX/XXXX payment in advance and sent it in by XXXX XXXX to be applied for XX/XX/XXXX 's payment. However on XXXX XXXX I received notice that XX/XX/XXXX 's payment had not been made I immediately contacted Nation Stars customer service center to find out why they had not processed my XX/XX/XXXX payment. The response I got back was that we did not successfully complete the trail payment program to which I promptly stated that this was not accurate and produced the documentation to prove it. Nation star then informed me that they would begin an investigation and would contact me within 5 -10 business days with their findings, which they never return my repeated calls to them after the time limit for them to respond had expired. At that point I began to put the Mortgage Payments into escrow and informed them that I needed to know whether or not to send the payments to which they responded no because they would be placed in a hold until they completed their investigation. On XXXX XXXX I contacted Nation Star Mortgage again and inquired of them as to when there investigation would be done the receptionist on the line stated to me that there had not been and investigation initiated to which I responded that it should have begun XX/XX/XXXX and she stated again that there was no such investigation initiated. I the asked her to find out what happen and she said that after looking at the notes on her screen that there appears to be and inquiry of when you called and asked for the investigation by nothing was ever put in, to which she then stated that she would put the paperwork in. On XXXX XXXX I received an act XXXX stating that Nation Star Mortgage was initiating fore closer proceeding against me. I then went to see the people at American credit counseling agency and they informed me to file this compliant with you. I am hopeful that you can offer some assistance I currently still have in escrow three payments of {$820.00} totaling {$2400.00} and will continue to place my mortgage payments into this escrow.
Product: Checking or savings account

On XX/XX/2018 my husband passed away. I had a problems with your bank that refused to give me any information on my husbands accounts. This bank told me that a XXXX XXXX called your bank and announced that me XXXX XXXX gave him my husbands law business. I informed the the bank that was a lie. XXXX XXXX Was listed only if he chose to purchase the law practice. But he refused. In the event if my husband died. This XXXX XXXX called the PNC bank before I chose to act on the Will, which I have not read the Will nor did I act on any executive matters because XXXX XXXX had the Will in my husbands office. I was totally breaking down and ask to speak to the manager. The manager but me out of the bank without giving me any information. This bank allowed the man XXXX XXXX into my husbands bank account and gave this man as well as XXXX XXXX the paralegal in the law practice all the information on my husbands accounts. I was very ill for days alone with the grief. I begged this bank to help me, t needed information on this account and accounts from clients. I had court probate papers. XXXX XXXX only made a phone call and your bank helped XXXX XXXX To steal my husbands law practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Student loan

I am looking to apply to the PSLF. I would have already qualified but I was put on an unsolicited deferment or forbearance during the months of XX/XX/year>, XXXX despite me informing XXXX  and then MOHELA that I was working for an eligible employer and wanted to make these payments. XXXX said there was nothing they could do and MOHELA said that it would make me delinquent on this payments and would not count toward my PSLF. XXXX also had gave me incorrect information during this time saying that I should apply for an unemployment forbearance knowing that I was on an income drive repayment plan and my payments would have been zero anyway.
Product: Vehicle loan or lease

Was set up on auto pay biweekly for {$180.00} for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Payments were not withdrawn. In XX/XX/XXXX I paid past payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX XXXX  Account Number : 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 instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed
Product: Student loan

I have been dealing with what is now Navient for years in regards of repaying my student loan bill. I've had circumstances that caused me to have to use the deferment and forbearance methods, but have been steadily paying when possible when not using these methods. Since the beginning of the new year, I have been constantly receiving calls from different states and toll-free numbers, of which I haven't ever received before. My student loan is the only debt I have. Through some research, which consists of looking up the phone numbers calling me, I've found out all the numbers are in regards of collecting money, in association with Navient, my student loan company. The one time I picked up, wondering why these people from other states were calling me, they were rude and unprofessional. I even took notes on what was said and the rude manner in which I dealt with. I do not understand why harassment is a supported method in which to obtain debt, of which I am on deferment so I should not be receiving -any- calls whatsoever until at least my deferment ends, which is many months away. Today, I received a call at my workplace regarding this personal issue and I was not even present to pick up the phone, but my coworker was and took a message for me. It was Navient calling my work to try and collect on a student loan that is still in deferment. In no way is this acceptable or even a decent collection method, as now my workplace knows of my debt. It is unprofessional to call a workplace of someone to try and collect, let alone divulge personal information to others within the workplace. I am filing this complaint against Navient because in no way is calling my workplace an acceptable practice, let alone divulging my information to everyone I work with. The FDCPA prohibits calling ones job to collect a debt, yet it occured today by Navient. Also, part of my complaint is because I am being harassed to pay on a student loan that is still very much in deferment. This whole issue is absurd and should not be as drawn out of proportion as it currently is.
Product: Credit card or prepaid card

OnXX/XX/XXXX and XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX  card issued by Chase and was denied both times. As of XX/XX/XXXX I still have not been told why I was denied and have not received any information from Chase about what I can do to obtain that information. I have tried to call the number on my credit report XXXX but that number requires that you enter your 16 digit card number to get assistance and since I was denied I do not have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account that appear on my credit file I believe its fraud
Product: Debt collection

When trying to contact the debt collection agency, the representative was very rude, and he kept on trying to talk over me and would not let me get a word out. I was trying to work out a payment plan to pay my debt, and it made me very upset.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX ( owned by BlueChip Financial ) in XXXX 2017 of {$300.00}. I did n't realize at the time that I was signing up for a loan with such an absurd APR and payment terms of 10 months. I have paid a total of {$730.00} against my borrowed {$300.00}. Of that total amount paid, only {$49.00} was applied to the principal balance, while the remaining {$680.00} went towards the interest fees. I have also recently learned that XXXX is a tribal lender, which is illegal in the state in which I reside, Missouri. Neither BlueChip nor XXXX are licensed lenders in my state, so the contract I signed is null and void.
Product: Credit reporting or other personal consumer reports

Several inquiries are outdated and should be removed. I have reached out to the creditor 's to have this matter handle. Many have caused a lot of harm to my credit report. Due to XXXX XXXX  leaked information I assume my identification may have been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy discharge ref # XXXX U.S. BANKRUPTCY-CENTRAL DISTRICT Address : XXXX XXXX XXXX XXXX XXXX, XXXX  CA 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 instructions
Product: Credit card

My account with Apple Goldman Sachs was closed due to being the wrong account identified. Me and my father have the same name and address, but he is the person going through Bankruptcy. My account is in good standing and always have been with never missing a payment or any issues until they wrongfully closed my account and not the Correct XXXX XXXX XXXX. I'm XXXX XXXX XXXX XXXX and he is XXXX XXXX XXXX XXXX Also to mention he has never been on my account and is not a part of the account that was closed and currently locked at all.

Also explained to Apple and Goldman Sachs that they closed the account of the wrong person and that it's not my case and I'm not involved with any Bankruptcy currently or in the past and want access back to my accounts. This can cause a very negative impact to my credit and my personal life with this effecting me. GS process for blocking accounts is broken and they are not properly vetting client 's information based on client PII and making sure they are selecting the proper client account to close or lock that is dealing with a bankruptcy. We do not have the same SSN and they just looked at address and name and did not properly resolve the issue and fix it in a timely manner how it should I called over 5 times and explained this matter to each personnel and they also gave me give account information and not mine, so they are not properly separating clients data.
Product: Mortgage

This compliant is for The XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. In 2008 Bank of America purchased XXXX XXXX XXXX, XXXX for XXXX XXXX dollars. All of Countrywide 's CWAB certificates were paid in full. Also, the Federal Housing Administration, FHA, XXXX XXXX and XXXX XXXX executed settlement agreement with BofA releasing all liens. One way or the other these asset backed certificates became Real Estate Owned, REO properties ; and is listed so with the XXXX XXXX XXXX XXXX ; and when you contact their XXXX to verify status of your property ; the response comes back as REO property ; and to contact the master servicer which is BofA. 

Therefore, I need verification that our property ; XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX is Real Estate Owned, REO, property by the bank, and/or XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed the information with transunion from the florida department of revenue. They are still reporting this error. In fact the letter states there they will direct the payments to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This complaint is being filed in regards to the many violations being reported on my report. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof under the alleged debt, therefore any such debt, in fact exists. Therefore I demand those accounts to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2014 I took out a payday loan with Speedy Cash. I made several payments on the loan but was unable to complete the payments. To this day it is still on my credit report, but that is not the issue. The issues is that every year they transfer the debt to a new collection company, and what that does is makes it seem as if the debt is a new debt being reported. Let 's say that they transfer the debt from company A to company B as of today. They are reporting to company B that this is a new debt which means that this debt would be present on my credit report for the next 7 years. Let 's then say that next year they transfer the debt from company B to company C. They are then telling company C that this is a new debt starting the whole process over again. They need to report the debt from the day that default occurred and not from the day they transfer the debt. This is fraudulent reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized hard inquiries listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX I did not authorize these inquiries and request that they be removed from my credit report immediately. Enclosed, please find copies of my credit report with the unauthorized inquiries highlighted for your reference. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these unauthorized inquiries and provide written confirmation that they have been removed from my credit report. Should you need any additional information or documentation to proceed with this request, please contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My unemployment was going into my account and as soon as my taxes and stimulus hit the account they froze it saying there was fraudulent activity. They requested documentation of which I sent and my funds are still being held hostage. I have no access to any of my funds and I am about to be homeless. Please help! I can not get through with customer service. My account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO REMOVE FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT.
Product: Mortgage

Please note that the category of complaint that I selected is not ideal, but no other option is better. 

I have not received my year end tax statements such as 1098 and 1099-INT from my original mortgage lender, Celebrity Home Loans. 

As a result, I am unable to complete my XXXX tax returns. 

My mortgage loan agent said that the lender has suddenly gone out of business and that no one is available to provide me with the tax statements. 

My loan was sold to another mortgage lender, XXXX XXXXXXXX XXXX in late XXXX, but XXXX XXXXXXXX XXXX did not start servicing my loan until XXXX, so they said that they can not provide me with any tax statements for XXXX. 

Can you please help me with this?
Product: Student loan

I have been aggressively paying off my $ 200k+ in law school loans in order to minimize my overall interest and payment term. I 've made several bulk payments and set an autopay of {$2500.00} -- substantially higher than the minimum payment. When I went on XXXX in XXXX, Navient unilaterally lowered my autopay. At first by more {$400.00} ( XXXX-XXXX ), then by more than {$700.00} ( XXXX ), then by {$1900.00} ( XXXX )! The auto pay for next month was down from the original {$2500.00} to {$620.00}. When I asked why it changed no explanation was offered. They referred me to a " updated payment terms '' document. The effect of lowering my autopay was to lengthen my payment period ( thus erasing the advantage I gained by making payments ahead of schedule ) and keep me paying interest for longer. When I called, they put my autopay back to the original amount, but can not guarantee that they wo n't unilaterally adjust it -- thus lengthening my repayment term -- in the future. 

I am attaching : the document showing my autopay at {$2500.00}. 2. The document showing Navient unilaterally lowering my payment in order to lengthen my loan term. 3 A screenshot showing autopay ( and one bulk payment ) dropping down in XXXX and XXXX.
Product: Debt collection

DEPT OF ED/ AIDVANTAGE, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I XXXX XXXX sent a letter to this credit agency to update and correct the information on my credit report. It is now XX/XX/2019 and I have yet to receive a response.
Product: Debt collection

I received a letter from Convergent Outsourcing for a debt owed to XXXX XXXX. It is for a debt according to them that is from XX/XX/2005. That is 17 years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.