23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I obtained a loan thru Navient previously known as XXXX XXXX. The loan is no longer available, but it was originally called a Tuition Answer loan. I have all my documents but I borrowed {$5400.00} back on XXXX/XXXX/XXXX. Not sure what happened between XX/XX/XXXX and XX/XX/XXXX but my loan increased to {$10000.00}. I was having financial difficulties and was not able to pay the loan on time and was behind and they finally worked out a payment with me XX/XX/XXXX. Right now as of today the documents state that I will have repaid XXXX by the time I pay this loan off which is RIDICOULOUS!!! That is way more than the amount I borrowed and I would like for this loan to be evaluated by the CFPB and see if there have been some unfair lending practices with this loan. I am in over my head with these loans and I am unable to file them on my taxes because I was told that they are not student loans and they wanted me to call the school to ask if they can certify the loans so I can get federal tax credit. I did n't call the school because I figured if they are not student loans then when I filed my bankruptcy XX/XX/XXXX they should have been considered in the bankruptcy due to the fact that I have paid on these loans and am not able to file them on my taxes and still owe over {$9500.00}. I am never going to get these loans paid back and the amount is not going down. I have faithfully paid for the past 2 and a half years trying to keep my credit score from dropping but I do n't know how much longer I can stand to deal with this. I do n't understand why I am paying back 3 times what I borrowed. I am a single mother paying childcare. I would like to have loans that are affordable. I am not opposing paying the loans but It has been since XX/XX/XXXX and I am still trying to pay back some money that I did n't borrow.
Product: Debt collection

The company had placed a medical debt that I do not know of and do not own/owe. I had filed a dispute with the various credit bureaus, but the only information that was updated was a balance. There was no accounts removed. On top of that, the account has been placed on my credit report with two different reporting balances, instead of one. I will threaten legal action of these false debts aren't removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # : XXXX and XXXX  # XXXX Account name : XXXX & XXXX XXXX. # XXXX  XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to remove these two collection accounts that do not belong to me. The collections are from " XXXX XXXX XXXX ''. The two amounts are {$4000.00} and {$3400.00}. I have no knowledge of these collection accounts because they were not opened by me. I would like them removed!
Product: Mortgage

Our former mortgage holder ( XXXX ) sold our mortgage to Nationstar in XXXX. I paid my last mortgage payment to XXXX in XXXX, and my first mortgage payment to Nationstar in XXXX. Out of the blue, without any previous notification, in XXXX, they are saying I am 3 months behind in my mortgage. I have been going back and forth with customer service since XXXX and it is still not rectified. I have faxed them my bank statements for every month with my payment circled and my previous payment history that was shown to be up to date. I am receiving letters and phone calls about my payment being late, and when I call customer service every day, they say they are still researching it. Today I received a letter that said they have researched and fixed the problem and my XXXX 2015 payment is due. THATS WHAT THEY SAID TO BEGIN WITH ... WHAT DID THEY FIX? My payments are all paid up except my XXXX XXXX payment I have not paid, only because I wanted this straightened out before I do. I 'm sure they have reported this to the credit bureau, and they are completely wrong. Once again, I faxed them every month statement with the payment on there circled and the statement marked.. XXXX payment, XXXX payment, XXXX payment and so forth thru XXXX. I have written to Nationstar customer service complaint, The XXXX, and now you. I have asked to speak to the " research department '' which is supposedly looking into this, and was informed the do n't speak with customers. I have asked for supervisors, and the supervisors supervisors, and still no one is fixing this. I am at a loss what to do next. please help.
Product: Credit reporting

Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.
Product: Mortgage

Refianced mortgage via home equity loan with XXXX XXXX Bank, took possession of loan XX/XX/XXXX for {$130000.00} and sent closing documents/payoff to Santander with XXXX receipt via tracking XX/XX/XXXX for {$130000.00} payment amount. Santander took payment from me XXXX {$1100.00} and refused to acknowledge receipt of closing package until multiple calls to them and emails sent to them including to national customer service dept beginning XX/XX/XXXX. Santander closed out mortgage paid in full as of XX/XX/XXXX and is now saying after nearly 90 days of research that the payment date can not be changed to XX/XX/XXXX paid in full as the " payoff was sent one month after the quote expiration date. The amount sent would have been insufficient without the XXXX payment ''. No one at Santander can provide me with this date upon request but XXXX provided me with the Santander document for the XX/XX/XXXX pay off. Note-the payoff amount ( physical check from XXXX to Santander ) was written out for the XX/XX/XXXX pay off amount Santander gave and Santander refuses to acknowledge $ amount of the physical check received. I paid two banks in XXXX for the same mortgage as two banks were servicing it, XXXX via the refinance and Santander via the original loan as they refused to acknowledge the closing packet was received by their branch the month prior. They refuse to fix the situation or give me any further information and I am out over XXXX due to this.
Product: Credit card

THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX XXXX, 2014 I received from Roundpoint Mortgage a trial modification plan the interest rate offered was 5.5 % acceptedThe final mortgage modification was changed and the interest rate was incised. 
The Roundpoint Mortgage performed criminal activities and have to closed down the see link below : XXXX
Product: Debt collection

Credit Control LLC, has contacted me without my consent, and also obtained my personal information with out my consent.
Product: Credit card

If I understand correctly, on XX/XX/XXXX an XXXX XXXX XXXX XXXX  was opened fraudulently in my name through Concora Credit, and charged XXXX on the same day. When I became aware of this I called Concora Credit to dispute the charges and they said they would open an investigation. I was told they were unable to rule in my favor due to the follow reasons : XXXX provided records that confirm delivery at my current or previous address and billing statements have been sent to my current address. 

Concora Credit provided documentation of the transaction and it clearly says that each item purchased was picked up at the XXXX XXXX XXXX - They were not delivered to my house at all, as Concora Credit incorrectly claims. I called XXXX XXXX and I CONFIRMEND this is the case. 

Additionally the email and phone number provided by the perpetrator, are not mine. The signature is also not mine. Also, it's stated on the invoice that an Arizona ID was used. I do not have an Arizona ID card, only an Arizona Drivers license. 

This person had my personal information, which was leaked in a data breach by a major healthcare company. They likely had my name, social security number, address, email address, and phone number. I don't understand how sending billing statements to my house AFTER the card was opened and nearly maxed out is being used as evidence against me. Makes zero sense and should not be used as evidence at all. 

I was told by the fraud department that if I disputed the charges they would find the same result and that if I could provide video evidence that someone else made the purchases they would exonerate me, but I called XXXX XXXX and they told me they don't have security cameras at all. 

Several other credit cards were also fraudulently opened or attempted to be opened on or around that same time. Some of these applications were immediately denied. The successfully opened cards were maxed out immediately, these other credit sources sided in my favor. I would like to use these other instances of fraudulent activity to help exonerate me of these charges.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a text asking if I had made a purchase at XXXX XXXX. I indicated NO by text back and immediately received a phone call from a person claiming to be from my Bank ( Citibank ). He misled me into thinking he was from Citibank and continued to tell me about transactions in my checking account. I trusted him from that point on. I then received a XXXX transaction and he told me it was a fraud and will undo it. He proceeded to scam me out of 2 XXXX transactions {$4400.00} and {$4900.00}. I contacted Citibank immediately after I realized that it was a scam and that the XXXX transactions were real. Since then, Citibank has denied my claim for the {$4400.00} and the {$4900.00} is still pending investigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing a formal complaint against Experian for failing to remove a charged-off account from my credit report, despite clear proof that the balance was paid and that the creditor stated they would no longer report activity. This is a violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], which requires credit bureaus to report only accurate and verifiable information. 

Issue Summary : Creditor : XX/XX/XXXX Account Type : Credit Builder Loan Date of Charge-Off : XX/XX/scrub> 2025 Date of Payment : XX/XX/year>2025 Amount Paid : {$70.00} Credit Bureau Involved : Experian On XX/XX/year>2025, I paid off my balance in full, as confirmed by : 1. A bank transaction from my account showing the payment to XXXX XXXX. 
2. An official email from XXXX XXXX confirming receipt of my payment and stating that once fully posted, we will no longer report activity on your report. 

Despite this, Experian continues to report this account as a charge-off, which is false and misleading since the balance was paid before the charge-off could be finalized. 

Experians Violations of FCRA : 1. Reporting False Information The charge-off is inaccurate, as my balance was paid in full before the final reporting.

2. Failure to Conduct a Proper Investigation I provided proof in my dispute, yet Experian failed to correct the information.

3. Creditor Stated No Further ReportingXX/XX/XXXX stated they would stop reporting, but Experian has not honored this agreement.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021, I was using Coinbase Pro 's cryptocurrency exchange to trade and store various cryptocurrencies. I had initiated a deposit from my bank account, which allegedly did not clear after Coinbase Pro had already credited the funds to my account, and I immediately used those funds to purchase several types of crypto. My account was frozen and I was instructed to return the amount of the deposit to my account within 5 days ; and that at the end of 5 days, if I have not done so, the current balances of crypto will be sold to recover the specific amount. My account being frozen was disabled from making deposits withdrawals, or trades ; so I couldn't return the money. Then, after 5 days, all of my funds disappeared from my account. The total value of these funds totaled over three times the amount Coinbase claimed to be seeking to recover. I have submitted multiple claims to inquire about the rest of my funds, but support either avoids the issue by endlessly asking me for information and screenshots of info they already have, or denying that anything untoward has occurred ; or just ignoring my complaints altogether. One support agent told me that I had sold all of my crypto funds and that's why it was at zero. And I responded, reminding them that my account was frozen during the times that these trades, which cleaned out my account, occurred ; that it couldn't have been me who executed the trades ; after which, they stopped responding.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a NetSpend debit, this was to help me purchased student Bus Pass which was subsidized by the University, I needed the Pass before the spring semester break. But the ACTIVATION of the card became problem. XXXX spring semester I purchased similar card and an account was opened with the assistance of an agent and after using the card I destroyed it, because I did not intend to keep the card. Little did I know that the account was still active without any activity after a year, the home address I used I believed was my campus housing address in college, but I still have the username and the Password. I tried activating the card but it did not go through just by filling in my name, I have a popup notice to call the customer service, and I did called and I was told that, there was a restriction on my card and the activation needed confirmation that it was me. I sound stupid, and have no sense in the request. I asked if the debit card originally has a problem and the answer was no, and if it was a new card, why was it having trouble to activate? They could not provide me with any legitimate reason. I explained that the previous card was discarded because my intention was only one time use. They are requiring my social security card and my state ID, I provided my student ID, my employment card ID, and Bank Card bearing my ID, but they are not ready to activate my card. 

I made more than 30 calls up to now, today this was my third call. If the card doesn't have any problem previously then why would it be a big deal activating the card. 
Date purchased XX/XX/XXXX, amount {$85.00}. Purchased it from XXXXXXXX XXXX XXXXXXXX store, XXXX XXXX XXXX, store location address : XXXX XXXX XXXX, phone number XXXX. I have the receipt. I don't see any trouble in activation, I since have contacted XXXX corporate office and they see why they can " activate my card. The number of days they kept the card needs interest on the amount. Ket sound more of scam. 
Thank You. 
For any further assistant please contact me through this same email address or call XXXX Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card account ending XXXX was accepted to a debt management program with CCMS on XX/XX/XXXX but they then reported it as a late payment past due in XXXX & XX/XX/XXXX thus affecting my credit score which dropped XXXX points from XXXX to XXXX. I HAVE PLACED A COPY OF THEIR LETTER PDF ON MY HOME PC & if requested can send it via email.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
Product: Credit reporting or other personal consumer reports

I received student loan forgiveness from the Federal Government. Mohela who is a student loan service company still has loans on my credit report that are forgiven.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied and received a flexloan on-line in the amount of {$350.00}. 

I signed an EFT authorization which listed my checking account with XXXX XXXX XXXX and the debit card associated with my account ending in XXXX. 

On or around XX/XX/XXXX, well before my first payment was due, I telephoned Advance Financial and revoked the EFT authorization. As such, Advance Financial did not initiate any EFT debits from my account. 

On XX/XX/XXXX, Advance Financial debited my XXXX reloadable debit card without authorization. The company sent me an EFT authorization form allegedly signed by me. 

1. It is clear that after 15 months of never conducting an EFT transaction, that Advance Financial was well aware that I had revoked such authorization.

2. Advance Financial illegally obtained my XXXX debit card information and added that to the EFT authorization form. 

3. Advance Financial is not licensed to conduct consumer financial loans in Virginia. 

I never gave AF authorization to debit my XXXX Debit Card for three separate amounts and would like to be reimbursed immediately.
Product: Debt collection

This is the same debt that was from another Collection Agency, XXXX XXXX, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

STELLAR RECOVERY INC is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
Product: Debt collection

Received notification from Resurgent Capital Services ( LVNV Funding Llc ) about my account with XXXX XXXX XXXX ( XXXX XXXX  ) dated XXXX/XXXX/XXXX. I didnt authorize Resurgent Capital Services XXXX LVNV Funding Llc ) to obtain my information. I have not entered into a legal agree with Resurgent Capital Services. Resurgent has not provided a chain of custody, as the debt owed is in a trust, Resurgent has not provided valid proof that they can collect on behalf of the trust in which the debt for XXXX XXXX XXXX ( ( XXXX XXXX ). This appears to be harassment has it appears that I am being targeted by Resurgent has they are acquiring my accounts that have been charged off and are in a trust. The original debtor has received payment from their insurance company and I have not received my 1099C.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/year> to all credit bureaus Transunion, Equifax and Experian. I have each confirmation number for each I have disputed all negative reports on my credit report. And have requested for each be removed immediately. 15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ), which governs the collection, dissemination, and use of consumer information, including consumer credit information. This particular section addresses the requirements for assuring maximum possible accuracy in consumer reports.

Specifically, 1681e ( b ) states that a consumer reporting agency must follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the individuals about whom they report. If a consumer reporting agency fails to meet these standards and the information provided results in an inaccurate consumer report, it may be liable for any damages suffered by the individual as a result of that inaccuracy.

In summary, 15 U.S.C. 1681e ( b ) is designed to protect consumers by mandating that credit reporting agencies take steps to ensure the accuracy of the information they provide. If you need more specific details or have specific questions related to this statute, feel free to ask!
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I noticed multiple discrepancies compared to XXXX and XXXX. Several accounts have conflicting balances, statuses ( Open vs. Closed ), and different last activity dates across the bureaus. Some accounts only appear on TransUnion but not on the other reports, raising concerns about their legitimacy. 

These inconsistencies indicate potential reporting errors or unverifiable information, which could negatively impact my credit. I am disputing these errors and requesting TransUnion to investigate, correct, or delete any inaccurate accounts to ensure my credit report reflects only accurate and verifiable information.