23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had federal and private student loans with Sallie Mae back in XXXX. Sallie. Mae sold it's company to Navient and somehow Navient consolidated my loans without my knowledge by XXXX. It is now XXXX and my monthly payments and loan balance are out of control. I have tried reaching out to Navient about different programs and forbearance throughout many years but according to Navient I have exhausted all my options and no other plans available. Several years ago I was XXXX and I expressed this to Navient and they still wanted full monthly payment. Because of the interest rates my loans are raising g to {$60000.00} and my monthly payments are {$700.00} a month which I can not afford. 
Recently, I was in the class action suit XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C but that was for federal held loans and I did not receive proper compensation for the federal loans held with Sallie Mae prior tXXXX them being consolidated to Navient which is why my balance never changed on my private student loans until recently with the interest. I still owe what I graduated owing in year XXXX balance {$58.00}, XXXX.
Product: Credit reporting or other personal consumer reports

The Following credit reporting agencies have a bankruptcy that is not true and they hae not provided any documenation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a request to Equifax for report confirmation number XXXX. 
I requested an investigation of two collection accounts that appear to be fraud. 

1-XXXX XXXX # XXXX 2-XXXX  # XXXX. 

They did not reply within 30 days and I waited and extra days to see of they mail anything to me with results to my dispute. 

Since they have not sent me any results I went online and obtain my new credit report for the annuacreditreport.com website that they provide. 

I see both accounts are reported, they are not reported as disputed, which means they did not investigate within 30 days.
Product: Mortgage

XXXX XXXX My mortgage was transferred to Nationstar Mortage LLC from XXXX XXXX Co. 
I mailed my monthly payment to them as instructed with new loan number written on check. I also sent this payment certified mail. This payment was never applied to current loan account. Instead, payment was applied to an old loan account I had with company from XXXX. This old account has been closed. My XXXX payment is sitting in unapplied funds for old account, as I can view this when I login to my account. I have been calling trying to get this resolved. I made my XXXX payment, also certified mail, which was then applied for XXXX because they ca n't seem to move the funds from XXXX loan account to another for XXXX. I made another payment today ( XXXX/XXXX/XXXX ) on line to make account current and to avoid late fees and negative credit reporting. 
I have detailed notes from XXXX until now with the names of various " representatives '' I have spoken to. Every time I speak to one they respond with " I will submit a request and it takes XXXX to XXXX hours. '' I then call back for follow up and get the same response.
Product: Debt collection

XXXX XXXX HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID XXXX XXXX AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE
Product: Debt collection

I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.
Product: Debt collection

This is a long story about the reason why my mom cancelled her mobile phone service with XXXX which is should report to a bureau as well. However, I received a mail from a debt collector request me have to send them a letter to confirm whether I own it. I must use post office stamp to reply that letter and ask my mom contact XXXX to remove my name from their debt collection system. They apologized me and told me because my address is the same with my mom so they made mistake ; that they would fix it. Today, I received another letter from XXXX state that I need to fill out another form name " Collection Dispute for Alleged Fraudulent Activity '' which asking me put all my personal information such as name, phone, email, address and even my last four digits of SSN. At the end of the form, they ask for Police report and photocopy of my Government Issued ID. I have never been their cusstomer, only my mom. I do help her make payment but I am not their client. Why do they ask too much information from non-customer/consumer? Instead of fixing the issue of their collection partner, they want to access my personal information which is illegal. They can't do that to non-customer. Honestly, I am working for a bank and see many customers have the same issue : the debt collection companies just send and report to rendom people have same name or address. It causes a lot of time and hurt consumers ' credit report, create financial problem. I even don't feel comfortable when I received the debt collection letter so I replied their mail although I know I have the right to not do it. Please help to stop them and advise me how to tell my bank customer what to do with this situation. Of course, I asked them call credit bureaus to report and remove it but their credit score get hurt already and they must spend time to fix it as I am doing to prevent it happen to me now.
Product: Credit card

Since my initial call to the customer services at Goldman Sachs over 8 months ago about my existing Apple Card, the rep told me to fi my issue with my Apple Id and card I had to close my account and open a new one. Since then, XXXX XXXX XXXX and XXXX fixed the ID issue but every time I apply for the Apple Card via Goldman Sachs, the application goes to pending review, then I get an email asking for proof of identification, so I upload a copy of my drivers license which has my correct information just like on the application. 

Within a few hours I get an email stating that they can not verify my identification. 

Funny that I get statements for my checking account from Goldman Sachs, my old apple card statements, letters, flyers, and pre-selected information to my address here, the same one on my application and drivers license, but they can not verify me. Its like harassment. 

See copies of all my proof, enclosed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX co behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to XXXX on XX/XX/2023 I Disputed the debt with XXXX and they did not provide a clear response to the dispute. I contacted Waypoint and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the XXXX report I reported again to XXXX and XXXX the error Waypoint finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and XXXX is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Suncoast credit union closed my account, and I did not receive the money that I had in that account that was around {$20.00}.
Product: Credit card

I purchased a piece of furniture on XX/XX/year> for {$1000.00} on my paypal credit card and continued making payments for it on time for almost 6 months. Before the 6 month mark, I still hadn't received the product so I disputed the charge and got a refund on XX/XX/year> from paypal. Then on XX/XX/year> I received a refund from the organization that originally charged me. Finally on XX/XX/year> I received a recharge from paypal of XXXX because I had basically received 2 refunds. This is all fine. What proceeded to happen is paypal then charged me XXXX on my " paypal cash '' account, unrelated to my paypal credit card. Despite constant frustrating phone calls to both organizations neither have been able to rectify the situation and have now sent a completely fraudulent charge to a collection agency.
Product: Mortgage

1. I sent a check by mail from my bank in amount of {$88000.00}. It took a long time to post so I stopped payment and they posted the check on XX/XX/XXXX and reversed on XX/XX/XXXX. I notified the bank by phone of the stop payment on XX/XX/XXXX.

2. So, next I wired the funds corrected and I have transmittal receipt with confirm etc. on XX/XX/XXXX. As of XX/XX/XXXX the funds are not posted and they claim not to have the funds. The transmittal and confirm of wire has been sent and it does contain correct account nos. bene info etc. this amount of payment to principal curtailment is {>= XXXX}.

I also send to other ach principal payments from XXXX XXXX. One for {$2000.00} which posted to principal on XXXX and one for {$730.00} which posted to principal on XXXX. Both were correctly posted to principal. Both were send intentionally to post on separate dates. Now the payments of {$730.00} and {$2000.00} have been reversed off as misapplied. I do not have the funds anymore. Where is my money? Why are they playing games with the wire and posting and reversing postings without good reason? Are they kiting money to make payments on packaged mortgages? CLOs?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.
Product: Debt collection

I am writing to inform you that I am a victim of identity theft. I am requesting that you place a fraud alert on my credit report to help prevent any further fraudulent activity in my name. Below are the details of the situation and the steps I have taken to address it :
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : 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: Credit reporting or other personal consumer reports

These accounts are fraudulent are reporting inaccurately. Please removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I sent a letter to XXXX XXXX ( Wells Fargo ) on XX/XX/XXXX. I received a reply XX/XX/XXXX from XXXX XXXX. One of the key complaints in my original letter was " Account removed from review XX/XX/XXXX '' and a related paragraph labeled " Customer Service ''. I do not feel Ms XXXX addressed this satisfactorily since she did not deny their representative, XXXX XXXX, did not respond AT ALL to my questions on the loan modification contract which was the turning point in my ability to get a modification. I had made the trial payments on time and would have signed a modification if my questions could have been answered. I feel that Wells Fargo owes me a new modification. 

In addition, in an earlier letter dated XX/XX/XXXX, Ms XXXX referenced the inability to make anything but full payments during the modification process. Specifically, their system would not allow the payment I wanted to make in XX/XX/XXXX and more generally, she suggested full payments be made in the future to prevent any issues. I would like Wells Fargo to correct my credit reporting history of late payments during the modification process since I feel this was an issue with their system and not my lack of financial cooperation. This has REALLY destroyed my credit and my ability to refinance locally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.
Product: Mortgage

I have already filed a complaint about Bank of America opening an escrow account without my consent over a missed real estate tax payment. I have already paid the missed real estate taxes plus an additional {$6000.00}. My mortgage payments have more than doubled and I need help paying these excessive fees. I can pay my former mortgage payment of {$930.00} per month but not the {$2100.00} per month they are now charging me. I would like some guidance about returning to my previous mortgage amount per month. Please advice. Bank of America sent a list of all payment amounts and dates to me through the mail but has provided no assistance or guidance about how to equitably resolve the situation. Thank you.
Product: Mortgage

My mortgage was sold to Mr. Cooper. On XX/XX/2021 they deducted {$1500.00} for " Hazard Insurance '' from my escrow account to " XXXX XXXX '' XXXX never received these fund and I received a cancellation notice. I ended up paying full cash for the policy, and the total wasn't even correct. This is unacceptable and Mr. Cooper has stolen from me.
Product: Mortgage

My mortgage with XXXX XXXX XXXX  was bought out by another company Called Lakeview Loan Servicing. I was never notified. I repeatedly tried to pay my original mortgage and was denied access. I just thought something was wrong with the website. After a couple of weeks of this and a message from a credit reporting company that my account with XXXX had been closed, I called my mortgage company only to find out that my loan was sold and they were no longer servicing my loan. They gave me the number to the new company. When I called them, they said they had sent a new customer package back in XXXX. I never received notice that my loan was sold. I had no idea what was going on. I have a credit reporting service that notified me that my account with the original bank was closed. After calling the new loan service, they had sent my new customer package to a wrong address. Now when I registered to pay online with the new company, it states that I have late payments. It is kind of hard to pay a payment when your account was closed and you have no idea what is going on!
Product: Credit reporting or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an item on my Experian credit report and the results came back as being accurate. XXXX/Univ of XXXX has an item on my report stating that {$1100.00} has been charged off. The issue that I have with this reporting is that the report reflects a balance of {$1100.00}. If this amount have been charged off, this should not be reflected as a balance on my report. Its listed as the original balance which is correct. Listing it as a balance while also indicating that is charged off is inaccurate. I am once again requesting that this account is deleted from my report as I have given Experian the opportunity to update this account, however they responded informing me that this account was accurate.