23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient keeps calling my phone when Ive asked them to stop calling me. I was made aware that my loans are forgiven being that is a fraudulent loan made they the XXXX XXXXXXXX XXXX XXXXXXXX. The school had been closed for some years now. Why are they not honoring this. Its frustrating. Im ve been dealing with is for a loonnggg time. Im scared its gon na go on my credit if I dont pay this fraudulent loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX my XXXX XXXX  Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX XXXX  to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX XXXX, XXXX, Experian, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX XXXX  is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Mortgage

Im not sure if this is correctly routed as I am just the buyer on the home and not the seller but nonetheless this needs to be reported. After months of searching a super tough market and i found a home i could afford and that was perfect. It was a short sale so i had to wait a few months to go through the process. I got into contract late XX/XX/XXXX and we wen through all the proceedings and settled on a close date of XX/XX/XXXX. Ocwen and XX/XX/XXXX were the lien holders. We had extensions in place, my loan was approved, appraisal and inspection done and so much work and money put into other parts of the loan .... only to receive an email from XX/XX/XXXX ( negotiators on this deal ) that Ocwen had wrongfully foreclosed on the property without notifying anyone and breaking the contracts/suspension we had in place. The property i was to close on this week is sold. The investor who bought it is going to resell it but for XX/XX/XXXX more ... not something i have. This has been beyond devastating and heartbreaking. I am still in shock. This is beyond NOT ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the numerous times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.Equifax Mortgage Ser XX/XX/XXXX 2.Equifax Mortgage Ser XX/XX/XXXX 3. Equifax Mortgage Ser XX/XX/XXXX 4. Equifax Mortgage Ser XX/XX/XXXX 5. Equifax Mortgage Ser XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Other financial service

I had a check made out to my son I was attempting to cash using a POA. I reached out to Ace Cash Express at XXXX XXXX XXXX XXXX FL XXXX. I spoke to XXXX. She stated that they could/should be able to cash the upon confirmation of 3 items : 1 ) call the attorney to confirm the check is legitimate 2 ) Call the XXXX and confirm my son is there ( the reason for the POA 4 ) Speak to the person that notarized the document to confirm that is legitimate Once these steps were completed I awaited word that her manager would sign off on the check. 
The manager XXXX the District Manager called. He stated they would need another/a 2nd POA from my son in XXXX specific to the check. I explained that was redundant and I will see my son on Saturday and take him to cash the check. 

I had one SIMPLE request for XXXX ( he refused to provide me his last name ). I requested ALL my personal information be removed from Ace Cash Express ' System. I have never, nor would I ever, do business with them and did not feel comfortable with my ss # /DOB/ address etc in their system. 
XXXX refused to remove my information. 
I informed XXXX I provided my information based on the XXXX 's statement that she could cash the check. I would not have given my information to Ace if not for her stating they could do the deal. 
My personal information is mine and I chose to protect it. I feel its completely within my rights to have it removed from their system. I do not nor have I done business with them -- they have no right to hold my information hostage like that. 

I would respectfully request that ALL my personal information be purged from their system. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters and complaint for things that needs to be removed
Product: Debt collection

Debt Collection agency, NCB Management Services Inc., reports that I owe a balance of {$4100.00}. This company is violating Texas State Licensing Requirements of being licensed/bonded to collect. I am concerned that this debt collection agency has no legal ground to do business or collect from me because of the violation of Texas State Requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an XXXX XXXX XXXX through XXXX XXXXXXXX XXXX I had been carrying the entire credit line as a balance through about XXXX of XXXX I then paid the balance in full and have been carrying less than 10 % of the credit limit as a balance every month since. XXXX  has not updated any bureau to show that I have paid it completely down and have maintained an extremely small balance since. They stated they have technical issues preventing them from updating the bureaus that they have been unable to resolve for most of the year. This is willful member harm as my credit report shows that I continue to carry the full balance every month and does not reflect several months of more conservative use and payments. The required minimum monthly payment still shows as if I am carrying the full balance which would result in accurate debt obligations should I apply for credit ( which I have been planning for solar panels but this account will not update ). If they can produce monthly statements with accurate information then they should be able to update the bureaus with the same information. This is consumer harm and violation of the Fair Credit Reporting Act.
Product: Student loan

As of XXXX XX/XX/2023, I have been enrolled half-time in an accredited community college. Because of this, my student loans should have been automatically placed into forbearance. However, my account has not been placed into forbearance and I have had to make XXXX payments ( so far ) that I should not have been required to make. I had my school fax my enrollment status directly to MOHELA ( despite MOHELA 's claims that it checks enrollment status with FSA, which is obviously false ), and MOHELA has denied the status change. I filed a complaint with FSA directly on XXXX XX/XX/2023, with a promise that I would hear back from them within 15 days, but I have not heard back in over 30 days. I contacted MOHELA on XXXX XX/XX/2023, and I was told over the phone that MOHELA is unable to verify my enrollment information. I was placed on administrative forbearance on XXXX XX/XX/2023, and the forbearance expired XXXX XX/XX/2023. I received notification of this forbearance even existing via USPS on XXXX XX/XX/2023. I have another payment pending at the moment, and this delay in applying my in-school deferment is unacceptable.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I transferred my student loans from Nelnet to XXXX for repayment. After my loans were transferred to XXXX, Nelnet failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted Nelnet three times by phone to have this complete and even filed a dispute with Nelnet to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with Nelnet as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that Nelnet is failing to accomplish on my behalf. I filed a dispute on XXXX for all my Nelnet accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with Nelnet were transferred.
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY ALERTED UNAUTHORIZED INQUIRIES WERE POSTED ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im filing a complaint against capital one bank for for mishandling my walmart rewards account using deceptive practices such as withholding disputes charges that i file from my account as well as unauthorized charges I reported to my account this happened XX/XX/2023 when I called capital one to ask why they had not given me a credit for dispute charges I had reported in which they told me they are putting a hold on my dispute credits until my case would be resolved and when I asked why they did not give me a explanation this is something they have never done and i found to be unfair business practices fast forward XX/XX/XXXX I reported my card lost and unauthorized charges and now they are withholding those charges as well with no explanation given I am a person who suffers from mental illness with XXXX XXXX XXXX and I am not feeling up to par with the overwhelmingness of capital one constantly sending me paperwork to fill out for disputes that don't need no additional information for I've given full information and dates and charges every time Over the phone all charges will be listed below in which I did not receive and capital one is withholding from me
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent inquiry that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because this item on my report doesnt represent any inquiry I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 

Inquiry XX/XX/year> account name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never done business with XXXX XXXX XXXX or entered into a signed contract with this company. The following account couldnt be verified by XXXX. Equifax needs to follow suit and delete this item from my report. FCRA requires all information being reported should be accurate, Please update my report and delete this fraudulent information from my report. Equifax also keeps verifying accounts with no proof. Ive sent in Police report and ftc reports. Its been months and they Keep saying XXXX XXXX is verified!! How is the account being verified. Im still waiting on a signed contract!! Nothing has come in the mail for Equifax or XXXX XXXX!! The account is fraudulent!! Again someone stole my identity and files taxes and opened multiple accounts in my name. Please block this information from my report. I will be getting an attorney, because Equifax has been investigating for months, I just received a letter dated XX/XX/21 asking for a police report. The police was sent via us mail and through an cfpb complaint. Whats the issue with this not. Please help me understand why Equifax is ignoring all of my legal paperwork being submitted.
Product: Credit card

XX/XX/XXXX, XXXX was the amount the merchant company had sent over proof of return my funds that chime filed to give me back they have be lying to me discriminated against me racism is a factor
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of XXXX recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
Product: Consumer Loan

On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXXXXXX XXXX took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, XXXX XXXXXXXX XXXX reported me again to Equifax in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Product: Checking or savings account

This is more about fraud protection. My debit card was stolen while I was caring for my XXXX and XXXX father. I wasnt living at the home where my mail comes, so i didnt receive any type of statements. During this time my debit card was stolen and {$17000.00} of my money was used for online games, and XXXX XXXX transactions. I filed a claim as soon as I found out ( within the approved window ) within 18 hours my claim was denied. I reopened the claim and in 18 hours claim was denied. Even after faxing my police report, my claim was denied. My funds are supposed to handled by a real live person, not an automated computer that used codes to decide if its real fraud. Bank of America has stolen {$17000.00} from my account. By not investigating this account appropriately and with a real live investigator. I have been violated by the banking industry. I cant buy my medications, pay my bills or feed my two children now because a computer said it wasnt possible it was real fraud. Shame on Bank of America for taking advantage of people. They closed my claim because I didnt give proof, but they didnt ask nor did they give me time. I provided a police report the next day and closed my claim 6 hours later.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Student loan

Dear CFPB My name is XXXX XXXX and I am a federal student loan borrower with Fedloan servicing. I have contacted FEDLOAN and disputed specific ineligible payments and Fedloan never responded. I am asking CFPB to contact Fedloan to fix the payments that inaccurately reflect ineligible. There are several payments made between XXXX to through XXXX that are not reflecting accurately. While those months report ineligible payments were accepted. 

Thank you for your guidance and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the 2017 Equifax breach that they knowingly withheld from the public for months while their stockholders could prepare for the fallout from this news.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX informed me that my Experian Account was not frozen as it should be. I tried to get in Experian system to check and freeze but my telephone number had changed so it would not recognize me. The alternate methods the site suggests do not work either, it says it will send a code to get in that never arrives. 

I sent two letters with all their requested information. The first one to their XXXX, TX address on XX/XX/year> and the second to their corporate address in XXXX XXXX, CA on XX/XX/year>. I have never received a response from Experian. 

What I need is simple but apparently they do not hire humans to work for them and think their computer system will take care of everything. 

Your help is appreciated. My Credit is good and I would very much like to keep it that way.
Product: Debt collection

I did not apply for these accounts I have XX/XX/XXXXservice
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company named XXXX XXXX XXXX is trying to collect on a debt that is not owed. I never had service with this company. My information was used to open multiple accounts in my name and they are all fraudulent. Please immediately remove this account from all 3 bureaus and delete the trade line, Also please stop collections on this account asap.