23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We obtained several federal parent plus loans for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX thru XX/XX/XXXX. The institute made a lot of promises and misled us. In summary : Lied about graduation rates, job placement rates, and potential salaries on graduation ; Lied about available grants, scholarships, and financial aid ; Enrolling students regardless of their qualifications and ability ; Failing to properly inform students about loan options available and the differences between federal and private student loans ; Misleading students about the actual costs of education at XXXX ; Misleading students about accreditation and the transfer-ability of credits. 
In XX/XX/XXXX we submitted a Borrowers Defense to Repayment Application several times as each time we checked on it they could not find it. Finally, with the help of some diligent students and law students a lawsuit was brought to the DOE and in XXXX there was a settlement to have all the loans forgiven. This was supposed to be done at the end of and as of yet we have not seen any official forgiveness from our lender. It was originally with XXXX XXXX, transferred to Nelnet and currently with XXXX. 
On XX/XX/XXXX the XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by XXXX organizations including, XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 

I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items, causing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as XXXX 's inaction violates Federal Laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification of pre-qualification from the company and applied for the loan. Accepted terms and signed a contract for repayment. During the review the company asked for my banking user name and password to access my bank account, stated that it was for drafting the repayment. After I added my banking info, the loan was declined. 
The company improperly requested my banking info to draft payments ( after I provided them with my paychecks, bank statements, XXXX ) and then declined my loan. 
I have never in life had to provide my bank user name and password and I feel this is an improper and intrusive lending practice for loans from this company. 

If the loan was declined, then none of my banking information should have been requested, especially not my user name and password. This is a poor practice and the company needs to be sanctioned for using these practices if a loan is declined. Pre-qualified or pre-approved, alike.
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Student loan

I called Mohela and after 1.5hrs literally of being on hold lady says I need to speak to a special agent and ask for a processing forbearance because my student loan acct has been on IBR sinceXXXX with {$0.00} XXXX and now they want me to pay $ XXXX per month and say I currently owe {$1700.00} past dueIm trying to refinance my home and it is causing issues on my credit reportI asked lady at Mohela for a direct phone number for department that I need to talk to and she said theres only one phone number for the ENTIRE USA what that is crazyI was on hold for 3hrs and call drops meI have emailed etc and will fax but lady says the processing forbearance can ONLY be done on the phoneit should be an automatic thing if it is their delay not my faultthey have had my paperwork processing since XX/XX/year> or before the GOVERNMENT NEEDS TO GET THEIR BUSINESS TOGETHER AND GET THIS FIXEDit is holding my life up and causing a burden on our indigent family who really needs my loans at a {$0.00} payment and clear Mohela account with proof so that we can move forward with our lifeit should not be this much of a burden to manage something that should have already been taken care of by the facility itself
Product: Debt collection

I have contacted this company to validate the debt and to find out why the amount they are saying i owed is different then what the previous company stated. XXXX XXXX  states that the balance is XXXX and amount owed is XXXX and this company is trying to collect on this debit. They have yet to validate this information with proof that they can collect on this debt and that it is owed. This is negativity impacting my credit and have made a negative impressing to lenders. I want this to be validated and removed off of my credit report.
Product: Debt collection

I have a loan with XXXX ( Monterey Financial Services Inc. ) to the tune of {$3500.00}. They are charging me a 39 % interest rate. Im XXXX XXXX XXXX and unemployed, I have tried to negotiate payment plans and a different amount. I can not afford to pay them so I told them to please send me to collections ( multiple times. ) They will not stop calling me and now they are calling my mother ( whom is not even associated with the account ). They are harassing me and telling me that I need to give them my attorneys name and number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}
Product: Debt collection

I did not owe the debt and it was disputed on my credit by XXXX. It is no longer owed but a different collector is requesting the debt.
Product: Credit reporting or other personal consumer reports

I kindly request that my credit report be frozen immediately, as I am eager to take this step to safeguard my personal information. I hope that the freezing process will be completed without delay to ensure my credit remains protected from any unauthorized access or activity.
Product: Credit reporting or other personal consumer reports

I recently checked our credit reports and our mortgage is not listed on my credit report nor is it in my wife 's credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Servicing of my XXXX XXXX loan was transferred to Sofi via XXXX acquisition of XXXX XXXX. I followed the instructions sent to me by XXXX and Sofi to establish my account through their XXXX portal. XXXX  and functionality of Sofi 's XXXX system is extremely limited and information is obscure and difficult to find. I contacted Sofi 's phone customer service and spoke with a representative who informed me that users couldn't update accounts or set up autopay themselves through the site due to limited functionality. The representative informed me verbally that my new checking account details had been updated ( from XXXX XXXX XXXX to XXXXXXXX XXXX  ) and that autopay had been established. Autopay failed to draft the minimum required payment as I was expecting and I'm now showing as late in their system. It's unclear if I've been charged a late fee, however the system is showing that I'm due to make a payment to Sofi for some amount that isn't my normal monthly payment amount. The system also does show that I'm 2 days late as of XX/XX/2024. 

The transition from XXXX to XXXX to Sofi has been clunky at best, and because Sofi 's XXXXXXXX XXXX  is limited in functionality and doesn't present data in an intuitive or clear/transparent manner, it's difficult to ascertain what is happening with my account. Furthermore, calling their customer service team doesn't seem to help as I tried but they've since failed to perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it again, I need the accounts must be verified in my credit report. 
here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I closed on a One Time Close Conventional Construction Loan with Cardinal Financial on XXXX/XXXX/2022. 

Paid {$4000.00} for initial escrow payment at closing which was the estimated county property taxes for 9 months. 

Also paid {$1000.00} for 12 month home owner insurance policy which doesn't even go into effect until construction is complete. I had already paid for the first 12 month policy out of pocket to cover during construction. 

Since it is a construction loan, the only type of payment that is supposed to be due are interest only payments. 

My first statement showed that I owed a payment of {$1100.00} on XXXX/XXXX/2022. That included interest of {$500.00} ( all I was supposed to be paying ), as well as {$670.00} for escrow ( for taxes and PMI - neither of which are supposed to be paid during construction ). 

In addition, the statement showed that {$4000.00} was applied to my account on XXXX/XXXX/2022. However, it was then reversed as a misapplication on XX/XX/2022 and removed from my account. 

I've been emailing with servicing ( probably 10-15 exchanges ) as well as speaking with customer service agents ( probably 5-6 different calls ) since XX/XX/2022 trying to get all of this resolved. Nothing has been resolved as of yet. I received a letter dated XX/XX/2022 saying that they are approving my request to remove taxes from my escrow, which I never requested. I was also told today that they have closed my escrow account and that it will not be opened until construction is finished. However, no one can tell me where any of the money above is being held. 

Even though I'm not supposed to be paying into escrow monthly during construction for taxes, HOI or PMI, my understanding is that an escrow account should still be established and the money I prepaid at closing ( {$4000.00} for taxes and {$1000.00} for HOI ) should be held in that account until it transitions to a mortgage. 

In addition, there are taxes due on the land at the end of 2022, that I'm now being told I need to pay out of pocket because there is no escrow account, despite the fact I paid over $ 4k for escrow specifically for taxes at closing. 

All of this is in addition to the horrible experience during the initial borrowing process, in which I was being advised by someone who was not even a loan officer ( although he held himself out as such ), which I did not find out until roughly a month and a half prior to closing. That person lost their job and the company had pay a ton of concessions to attempt to make up for all the mistakes that had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has  been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still inquiries that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these inquiries ( A ). I hope these disputed inquiries are updated. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquires, were not submitted by me.
Product: Debt collection

I first realized possible was on my credit a few months ago, but was confused on what the company was. I signed up and was told that the service isnt even available in my state, so why is a charged off account reporting on my credit if the product isnt even to me?? I contacted possible on XX/XX/2023 at XXXX pst and was told that they cant verify my information and that if this was a result of identity theft that a police report had to be filed over {$67.00}???
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and I am distraught and personally writing this message myself to address these unauthorized inquires on my consumer report. There are hard inquiries that are listed on my account that I did not consent or approve. These accounts are hurting my Profile. I have asked TransUnion to remove them and they do not respect my wishes. They place me on phone hold and never return. I am very depressed and need HELP. I need help with these inquiries removed and blocked and I ask that my credit consumer report DO NOT GET FROZE. No fraud alert or freeze please! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with XXXX in XX/XX/2021 this account was open for two months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects three negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.
Product: Mortgage

This has happen for the second time in 2 years! Please see attached letter to and from mortgage company! They made a repeated mistake on the Escrow estimate for the second time in 2 years and expect me to pay for it! A so called Internal accounting error! 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for and received a loan from TitleMax for the amount of {$1500.00}, Total pay off amount of {$1700.00}. On XXXX XXXX, I received a call from XXXX who identified himself as the the manager at the TitleMax location where I obtained Title Loan. He stated the purpose of his call was to advise me that {$8500.00} was deposited into a pay portal that the Broker that process my loan created on XX/XX/XXXX, XXXX XXXX then spent the next five minutes trying to convince me and persuade me to use the money presenting multiple pay off dates. I advised XXXX that the deposit on XX/XX/XXXX was I did not request {$8500.00}, that the deposit was unauthorized and to remove the {$8500.00}. Which to this day, XX/XX/XXXX has not been removed. Written Statement from TitleMax " XXXX XXXX entered a thirty ( 30 ) day Pawn Transaction and Security Agreement ( the Agreement ) with TitleMax on XX/XX/XXXX, for {$1500.00} ( the Pawn ) and pledged her XXXX XXXX XXXX ( the Vehicle ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX Pawn balance of {$1700.00} was due on or before XX/XX/XXXX. '' To CFPB on XXXX XXXX " In reference to Transaction dated XX/XX/XXXX for {$8500.00}. I am now being falsely accused of initiating a new loan on XXXX XXXX, from the same pay portal mentioned above that I requested unauthorized funds to be withdrawn from account. " On XX/XX/XXXX, XXXX XXXX refinanced the original Pawn via Companys online customer portal, by entering into a new Pawn Agreement ( the Refinance Agreement ), the proceeds of which paid off the Pawn under the Refinance Agreements terms and created a new pawn transaction ( New Pawn ). XXXX XXXX also elected to add more funds to the New Pawn, bringing the total Pawn balance to {$4600.00} due on or before XX/XX/XXXX. XXXX XXXX has failed to pay off the Refinance Agreement, which was due by XX/XX/XXXX, leaving an outstanding Pawn balance of {$4600.00} ''. TitleMax refuses to offer any documentation of the deposit of funds on XX/XX/XXXX, or record of withdrawal of funds, totaling {$8500.00}, or any documentation related to the unauthorized XX/XX/XXXX transaction that I reported and asked to investigate. My accusation is that TitleMax 's actions violated the EFTA, TILA, FDCPA in multiple ways. 15 USC 1693b, 15 USC1693c, 15 USC 1963d, USC 1693F, 15 USC 1963g, 15USC 1963H, 15 USC 1693i. There are multiple violations within each of the codes listed in addition to the codes violated that are not listed. I may list them separately based on response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about errors they have on my credit report. They have refused to fix these errors and this is badly affect my ability to obtain credit.