23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have submitted the forms for an Income based Repayment Plan for my loans handled through Navient several times since XX/XX/XXXX. I did once in XX/XX/XXXX, once in XX/XX/XXXX, another again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying that they don't receive them. I did XXXX XXXX XXXX XXXX at the same time in XX/XX/XXXX, and they received their documents and I am under a IBP with them. 

Navient keeps having me resubmit. They say they got it, and looks complete but they need me to resubmit it since it wasn't processed last time. 

Also they have the same loan repeating on my credit score multiple  times. I have asked them to fix this and they have not, and I have asked them to combine the student loan in to one loan under one account, they have refused at this time. 

These loans were for XXXX XXXX and XXXX University, both of these institutions have closed due to fraud and accreditation issues. I have applies for these loans to be dismissed as employers do not take my degree seriously, and if I want to continue my XXXX degree I would need to start completely over at a new school because the credits despite being told they would, will not transfer. 

So ontop of paying for something I should not have to due to fraud, misrepresentation, and accreditation, dealing with Navient is getting out of control.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a ihorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, I made payments of {$500.00} and then {$250.00} to a seller I found online for some jewelery. Fast forward approximately a week and it turned out that he couldn't do it. So when I asked him for a refund, he told me to call my bank and blocked me and deleted all his accounts. So I opened claims for it through my bank, Wells Fargo and I told them that I had screenshots to prove that I was scammed. They told me to save it for later, so I did. Claim numbers XXXX for the {$500.00} charge and XXXX for the {$250.00} charge. I called them today to check in and they said it was closed already because I technically sent the money. That's not fair. I got scammed out of {$750.00} and when I told them I had proof, they asked me not to send it and to wait. I would appreciate it if you could help me get my money back from them.
Product: Credit card

Am Ex Account ending in XXXX Membership Rewards Number- XXXX On XXXX XXXX, 2016, I applied for and was approved for the American Express Platinum card. This card required spending {$3000.00} within three months and receiving XXXX points in return ( XXXX ). 

Am Ex is now refusing to honor this agreement ( as well as XXXX other people who are in this same situation ). All of my expenditures were legitimate and I reached the spending required on XXXX XXXX, 2016. 

Put simply, Am Ex accidentally made public a private offer, I was approved and they are now seeking to punish those who appropriately applied and were approved. 

Additionally, Am Ex has frozen my ENTIRE rewards account, preventing me from not only using the XXXX points for the Platinum card, but an additional XXXX points which are in the account and have nothing to do with this promotion. 

I am simply asking that Am Ex honors its agreements and stop punishing their customers. I have been an Am Ex member for almost 20 years, they have made thousands of dollars in profit from me, I have never made a late payment and there is no basis for the denial of the benefit Am Ex agreed to. 

Please contact me if any questions and thank you.
Product: Debt collection

This was a medical bill for when I was still a minor under my parents care. This should not be on my credit score since I was too young to even have a job.
Product: Mortgage

In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has an account on my credit report thats not mine
Product: Student loan

I asked for a Goodwill Adjustment and the loan company said they do n't offer this, now I am filing a complaint because I would like the late payments removed from my credit report. During the months I was late on my payments was due to me being unemployed which left me financially XXXX to do anything. I have now gained full-time employment with benefits which is why my payments have became normal again. I am trying to buy a home and need this removed as soon as possible.
Product: Debt collection

I'm XXXX with health issues and I was leaving alone in a rented apartment. All of my children live in Georgia and only way to get help was to move there. I went and spoke to the property manager and explained my situation after reading my lease it say that I could be let out of the lease for health problems. He signed off and said that I could leave owing a zero balance then months later I try to rent a place in Georgia and they denied because this apartment complex had put XXXX on my credit saying that I owe them for leaving put that is not true. I've tried to speak to someone there but since I left they have had several new property managers and they all say that they can't help me. I want this removed from my credit asap. I didn't break my lease, I was let out of my lease
Product: Debt collection

The debt of {$400.00} from the company Huntington bank was added to my report XX/XX/year>. This credit line was not opened by me. I did have an account with the bank but a credit line was never opened.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX and work very limited, part-time hours as a XXXX XXXX XXXX XXXX. During the 14 months I had my XXXX XXXX XXXX credit card, I made purchases totaling {$360.00} and made payments from part-time jobs totaling {$420.00}. I had a balance of {$240.00} ... ALL of which were late fees and interest from when I was XXXX  in XX/XX/XXXX and in and out of the hospital/unable to work through XX/XX/XXXX. I was not even able to communicate much of this time as I was on XXXX XXXX medication and endured 5 XXXX. I was diagnosed with XXXX  XXXX, more commonly known as XXXX-XXXX XXXX. I am very lucky to be alive, but dealing with many issues as I had to withdraw from XXXX XXXX University and move home to my parents ' house. I was not receiving any of my mail at all as I was not even coherent enough to change my address with the US Post Office. I have called XXXX several times and some of the late fees were removed from my account and I was given a fax number for XXXX XXXX XXXX customer service to explain my situation. I have tried numerous times to fax them all of my documentation of my XXXX, but their fax number does not seem to be working correctly. I can fax anywhere else with no trouble, but these will not go through. To avoid further fees and interest, I paid the balance of {$240.00} on XXXX XXXX. I feel that this should be refunded to me as it is all interest and late charges from a time period in which I was clearly unable to work, communicate with XXXX or pay. I have had to get a loan to pay some of my debts from my XXXX and these fees and interest are adding to the problems.
Product: Debt collection

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent information includes : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These fraudulent items have caused numerous hard inquiries and collections activity to appear on my consumer credit report, all of which I dispute. I have attached copies of the relevant documentation, including the FTC Identity Theft Criminal Complaint # ( private case number ), as proof that these items are fraudulent.
Product: Debt collection

According to 15 U.S.C. 1692c Columbia debt recovery dba LLC, have violated my rights by unlawful communication, please remove this collection off my credit report thank you.
Product: Credit card or prepaid card

Capitol one to ld me on Saturday  XXXX  at around  XXXX  eastern standard time they were going to update with the credit breaus early because need to be done for a mortgage approval and they did n't
Product: Credit reporting, credit repair services, or other personal consumer reports

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than XXXX hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be XXXX inquiries from XXXX XXXX XXXX and it will NEVER be more than XXXX inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw XXXX inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only XXXX inquiries and I then told him that I can very CLEARLY see XXXX inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his XXXX XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales XXXX XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Product: Mortgage

We originally started our Mortgage with XXXX  XXXX XXXX in XX/XX/XXXX. I paid them my mortgage and had no escrow account. XXXX  XXXX XXXX sold my mortgage to Nation Star in .XX/XX/XXXX We did a loan modification with Nation Star in XX/XX/XXXX. Upon doing this we were required to have a escrow account. At that time of modification I already paid our XX/XX/XXXX Taxes and insurance and Nation Star dismissed my complaints and required payment to escrow. As time went on The amount paid to escrow since XX/XX/XXXX was way over the amount of my taxes and insurance.I continued to complain and nothing resolved. Nation Star is now called Mr. Cooper. Mr. Cooper has also continued to over charge me in escrow. I am due a refund.at this time I am looking to refi to get away from Mr.Cooper .I believe I am being over charged monthly About {$100.00} each month. This has been going on since XX/XX/XXXX. Can you assist me.thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 Balance : {$29000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX is reporting on my credit report that I owe the company when the account was paid in full. The credit bureaus keep verifying that a balance is still owed and the account is verified which isn't correct. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission.
Product: Debt collection

I found the following on the Washington State XXXX XXXX. This is what happened to us as well. They very official looking paperwork to try and collect a debt that does not exist. When we requested further info they promised to get it to us but nothing every shows up. One employee they said the debt was {$3300.00} and to withhold 15 % and send to them at a XXXX Utah address and 2nd request for a different employee of {$1200.00}. The red flag for us is we got 2 request in the same day. We only have a total of 5 garnishment across our population of employees. I uploaded they 2 documents they sent us. 

The Washington State XXXX  XXXX XXXX XXXX ( XXXX ) received information that an entity using the name Apex Servicing has sent faxes to employers in Washington attempting to garnish wages from employee paychecks for alleged loans owed to XXXX XXXX and XXXX XXXX. 

An employer reported receiving a fax labelled as Wage Assignment Demand Notice. The fax alleged that the employee had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from the employer to repay the loan. The information received by the employer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXXXXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX A Washington consumer reported receiving a similar Wage Assignment Demand Notice at their work. The fax alleged that they had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from their employer to repay the loan. The information received by the consumer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXX XXXX. The demand instructed their employer to deduct 15 % of their disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Debt collection

I keep receiving excessive emails from TrueAccord Corp . I believe they are a third party collection company that works with XXXX XXXX. My information was given to them without my consent. I received lots of emails from them stating taking action on the XXXX XXXX  account. I received the following emails on XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX XXXX. there are more that date all the way back to XX/XX/XXXX.
Product: Debt collection

There is a collection company showing up on my credit file that I have never done business with nor owe anything. I requested validation via the mail 45 days ago after seeing the remark on my credit file and nothing has been received. Please help it is shown as Online Info XXXX {$61.00} Online Info XXXX {$150.00}
Product: Vehicle loan or lease

I purchased a XXXX XXXXXXXX XXXX  from XXXX XXXX  in XXXX NJ. I paid in full, a check for {$25000.00} on XX/XX/XXXX. I started receiving emails from Westlake Financial Services that I owed {$420.00} a month for a loan I didnt sign for. They sent me a contract with an electronic signature that I did not sign. They reported me to XXXX that I have a loan with them. I have called them numerous times to no avail, I spoke with XXXX XXXX, the manager of XXXXXXXX XXXX he told me it happened to another customer that paid cash. He told me he would have it removed. He didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that has been reported under my name with XXXX  XXXX, CARE CREDIT, XXXX  This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX : XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} XXXX : XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} XXXX : XXXX XXXX Balance XXXX {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$84.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.