23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The COVID-19 forbearance will end on XX/XX/2022. However, Navient is stating that I am currently past due on my student loans and that I need to make a payment in the amount of {$2600.00} immediately. I have already sent them my Income-Driven Repayment Plan to them, and they are still harassing me for a payment. Why are the telling me to make a payment when my student loan is under the COVID-19 forbearance moratorium?
Product: Debt collection

I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. 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, and XXXX XXXX if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$10.00} XXXX XXXX XX/XX/XXXX {$470.00} Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiries NAME XXXX XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also XXXX As : XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was reprocessed in XX/XX/2018 by Credit Acceptance Corporation and the account was closed. Balance then was around XXXX now it is XXXX Now this year they just started to add interest monthly on the remaining balance, They car was sold at Auction XX/XX/2018. How can they charge interest now on a car i do not have and keep reporting it to my credit on a closed account? I have called them because the police cam to my house saying they located the car in XXXX NC and that it was stolen. I explained i no longer owned that car it was reprocessed. I called Credit acceptance and they said the car was sold at auction over a year ago, but they cant do anything if the buyer did not put the car in their name. All they could do was provide me with a letter saying the car was not mine. After that call i began to see them reporting to my credit. With fees
Product: Money transfer, virtual currency, or money service

I was refunded {$66.00} at paypal. I tried to transfer the refund to my bank account. The money showed up in my account as - {$66.00}. They deducted the amount instead of giving me a refund. They now have chaged me double for this transaction that I canceled. I am a XXXX XXXX XXXX that needs that money for XXXX now, not days and days from now. The paypal representative was clueless that I have been charged twice and how to get the double money back to my bank account.
Product: Credit reporting or other personal consumer reports

Navy federal CR Union, account XXXX Navy federal CR Union, account XXXX In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 late for and purpose.
Product: Student loan

XX/XX/2020 XXXX was added to my payment balance. 
XXXX this amount was said to be refunded. 

My total amount due has gone up and not assessments have been made. 

I have not added any private student loans in many years this account was consolidated private student loans. 

I have called the leader to try and get it taken care of they are not working with me. They have not adjusted the amount or tried to assist. 

Someone is scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX  15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to commit fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. Ford motor Company was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with Ford Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX XXXX. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with Ford Credit about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If Ford Motor Credit can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that Ford Motor Company whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. Ford Credits response to me was well this is Ford Motor Credit we are not Ford Motor Company. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still an account that need to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

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

I responded to a letter sent by XXXX XXXX XXXX on XX/XX/2020. I specifically requested to receive the original instrument of validity that would prove that I entered into an contractual agreement with XXXX XXXX XXXX. I ask them to respond within 30 days from the date of the letter. I had to send another letter on XX/XX/2020 because I was sent an email by XXXX XXXX XXXX about an account but I never received any mailings from either one of these companies concerning my original request. The letter dated for XX/XX/2020, I specifically asked again to receive the original instrument of validity in order to prove their claim for collecting on a debt for which they provided no substantial evidence for. On XX/XX/2020, I received email alerts from XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX all saying I have a new collection account being reported on my credit file and the account in questioning is Trident Asset Management they reported information to my credit file on XX/XX/2020 that was inaccurate and in direct violation of both the Fair Credit Reporting Act and the Fair Debt Collections Practice Act. Upon filing this complaint I found out that XXXX XXXX XXXX is a passive debt buyer who has stated on numerous complaints that they don't collect directly from consumers but Trident Asset Management does.
Product: Checking or savings account

XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX. Withdrew ACH {$61000.00} from our Business account : Day Automatic Transmissions Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX. 
XX/XX/XXXX {$12000.00} XX/XX/XXXX {$28000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX We are unaware of how they got our account number to set this up. We were a business of only 4 employees and only my husband and myself have access to the banking accounts. 

We noticed the last WD of {$12000.00} and reversed it. There is an additional {$48000.00} that Wells Fargo is REFUSING to dispute on our behalf, as this ACH is set-up on a 48-hour turn around. We have escalated the incident with Wells Fargo and they are still refusing to dispute the charges on our behalf. They provided us a phone number for XXXX XXXX  which indicates they are aware the funds were transferred to a XXXX account. 

We escalated the fraud claim through XXXX. They confirmed the funds were taken and dispersed to XXXX XXXX XXXX via XXXX XXXX This is indicated on our banking history. 
XXXX with XXXX  ( XXXX ) stated Wells Fargo only needs to dispute on our behalf and XXXX can initiate the refund of funds. Wells Fargo refuses. 

Spoke to XXXXXXXX XXXX, customer care, they have initiated a security claim but without an account number, which we don't have access to, a dispute can not be filed. 

We have submitted our documentation to XXXX XXXX financial crimes against XXXX XXXX XXXX in an effort to recoup the funds. I have not contacted them directly yet as I am waiting for a response from XXXX XXXX. 

Company Name : XXXX XXXX XXXX XXXX XXXX 
Entity Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) File Number : XXXX Filing State : Texas ( TX ) Filing Status : In Existence Filing Date : XX/XX/XXXX Company Age : 6 Months Registered Agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Governing Agency : Texas Secretary of State Wells Fargo contacts : XXXX ; XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX contacts : JXXXX XXXX XXXX XXXX contacts : XX/XX/XXXX ; XXXX ; XX/XX/XXXX I am certain I am missing some dates, I have been to Wells Fargo multiple times looking for support and not receiving it as well as additional calls that are not generally returned. 

Wells Fargo : did not flag the suspicious large XXXX did not notify the business to verify did not freeze our account when it was reported have not done anything to protect us as their customers We missed the 48-hour window, they have washed their hands of us.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX 2017 I initiated an ACH transfer into the account of Coinbase, Inc. located at the XXXX  XXXX XXXX of NY, and I did so on the accord of  their site : " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days* to complete after initiating a purchase. You may see the funds immediately debited from your bank account when you initiate the transfer, but they will not appear in your XXXX account until the transfer has moved between the banks and cleared in our bank account. '' The amount is negligible to some, {$300.00}, however, it 's still {$300.00} that I transferred from my credit union which provided me with a credit trace number showing Coinbase received the funds. I 've attempted on numerous occasions to reach Coinbase support, both through email and through their XXXX handle as recommended through their own website. I have not been able to reach their support staff in over 3 weeks. At this point I just want my funds returned. Their community site is littered with many posts similar to my own and my trust in this company ... well, I have none. They are robbing people with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information with EXPERIAN keeps putting items bac into my report that has already came off XXXX XXXX XXXX XXXX ( XXXXXXXX ) XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX THESE ALREADY CAME OFF MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Company will not respond to the issue. They are sending all kids of responses that do not deal with the fact that their investigation did not happen during the allotted 30 days.
Product: Mortgage

MrCooper LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX I called in on this file because we should have had an approval letter a month ago the buyers accepted MrCoopers counter offer and an addendum for the new purchase price and a matching HUD was sent on XX/XX/XXXX and XX/XX/XXXX. 

Nothing has been done on the file in the last month. They claim it has been approved but no one will send us the approval letter. **WE ARE HAVING THIS PROBLEM ON ALL OF OUR MRCOOPER FILES NONE OF THEM ARE BEING WORKED.

We have been told by multiple managers that they have shut down one of their facilities with no notice to rest of MrCooper employees. MrCooper is grossly understaffed and can not process their current file load. When questioned what was going to happen with properties currently in foreclosure, we were laughed at and told Too bad they're just going to have to go to auction because we don't have anyone to work the files. They thought it was funny that no one was going to work on the file and these were all going to go to foreclosure CC : CA State Attorney General
Product: Credit reporting, credit repair services, 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 XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX 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: Debt collection

XXXX XXXX was in XXXX  at the time XXXX XXXX account was opened. Cooling and Winter Attorney have the debt and a judgement was placed on me. I sent verification showing date and time I had to self surrender to XXXX XXXX XXXX in Alabama. I also submitted a police report stating I was a victim of identity theft. I also submitted a signed affidavit stating I am a victim of identity theft. Lastly I submitted verification showing when I returned home from prison. This company refuses to remove this fraudulent account and the judgment placed on me.
Product: Credit reporting

I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notifying Transunion of an issue with my credit report now over the last few months. However, there are still several inaccurate accounts on my credit report. This has gone too far and I havent seen any justice with the investigations.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF XXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX US DEPT OF EDUXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my car was repossessed by Santander Consumer USA. I was able to pay off the balance to reinstate my car loan. I continue to have problems making my monthly payments since. I have attempted to refinance my vehicle with Santander but was told that this is NOT an option ( they do not refinance sub prime loans ). 
Santander is one of the major players and profit from consumers like myself with subprime loans. 
The State of California ( Attorney General - XXXX XXXX filled a complaint in the best interest of THE PEOPLE OF THE STATE OF CALIFORNIA filled on XX/XX/XXXX ( THE PEOPLE OF THE STATE OF CALIFORNIA ( XXXX XXXX XXXX SANTANDER CONSUMER USA INCXXXX ( DEFENDANT ) CASE # XXXX. for violations of the unfair competition Law ( UCL )., Business & Professions Code section 17200 et sew. Santander had violated and CONTINUES to violate to the present day XX/XX/XXXX Californias consumer protection laws by placing borrowers with subprime credit into auto loans it knew and knows carried/carries an unacceptably high probability of default. The court awarded the settlement in favor of THE PEOPLE OF CALIFORNIASantander Consumer USA was fined. The court also ordered that SANTANDER CONSUMER USA change their business practice and stop its UNFAIR LENDING PRACTICES. 
My used car loan originated on XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. 
During the pandemic ( XXXX ) I had difficulties affording my rent, car loan and cost of living expenses. 
I have requested between XXXX day XX/XX/XXXX to work with my situation as I have had XXXX  twice and work injury. Due to the pandemic my work hours and salary were decreased not to mention my on the job injury. 

While speaking to SANTANDER CONSUMER USA customer service I have made payments on my car loan with added interest fees and having to agree to Santander contract that by accepting an extension of payment the life of my car loan will be prolonged and added interest rates will continue to add up. I am contemplating Bankruptcy  because paying a monthly used car loan of {$420.00} XXXX for XXXX XXXX XXXX is extremely high. 

Santander consumer USA is still making huge profits at the expense of consumer consumers like myself with sun prime loans. Even after paying the maximum I can afford I am told That this will Not guarantee Repossession of my car so what is the point? Their practices are harming consumers continuously. 

Signed, XXXX XXXX
Product: Credit reporting

Experian reinserted previously deleted information without notifying me as required by the FCRA. They are also reporting inaccurate information on my credit file. They have violated multiple consumer protection laws.
Product: Money transfer, virtual currency, or money service

Back in 2019. When the pandemic was happening I had discovered Zelle. At the time I was not working and was going through XXXX so I was looking for an emotional support animal. 
Long story short I sent money to a company to help me look for my support animal and it turns out the whole company was scamming people out of their money. 

Once I realized what happened I reached out to Zelle to make a complaint. Zelle reached out to me saying that there was nothing they can do for me and ended up shutting down my whole app and I was unable to access my account. I was very upset and confused because I didnt understand why I was getting penalized for something that was done wrong to me. 

I had sent the company {$600.00} so they can help find a dog for me and deliver it to my house. In the end I lost out on {$600.00} and my account. 

A few years later I tried to reopen my account and I was told I cant open my account and its disable. They did nothing to help me in my situation and it was very disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I disputed a report from TransUnion regarding an old XXXX account that is well past 7 yrs old. It is still under investigation
Product: Mortgage

I demand a copy of the instrument of definitive documents of a second mortgage. From the Mortgage Servicing company PHH Mortgage which is formally Ocwen Mortgage Servicing company. 
I`ve had this mortgage for a number of years with the original lender XXXX XXXX XXXX Please provide documents for the discrepancy and the balance being reported.