23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have student loan debt with Navient Student Loans. This month will be the first time I couldn't afford to make a payment due to my rent increasing plus other unforeseen financial problems ( having to pay the IRS first time too ). So yesterday, XX/XX/XXXX, I went on my student loan website to apply for a deferment and forbearance and I was declined due to " not qualifying. '' I called the company today ( XX/XX/XXXX ) and the representative told me the same thing ... '' You don't qualify. '' I informed her that I need a temporary postponement until XX/XX/XXXX. She told me that my account will fall into " delinquency. '' I told her that is the very thing I'm trying to avoid happen because I have spent the last 2 1/2 years cleaning up my credit so I can buy a house and that I don't want student loans hitting my credit! Not only that, Navient is not the only student loan company that I'm paying this month. I have another company that I pay per month too, but won't be able to due to money issues this month. I personally believe that this company is a thief! They charge me a late fee of {$6.00} even though my payment is always made the month before the amount is due! Also, they charge me a {$31.00} " unpaid fees '' charge every month too. Then to add insult to injury, the one time I can't pay Navient can't help me even though they claim they are here to " Help. ''
Product: Student loan

You go to this " school '' in hopes to get an education and to better yourself to end up not being able to. They were localized to XXXX but had a branch in XXXX Out of nowhere the XXXX branch was told to pack up and get rid of everything. Papers, supplies, funiture ... you name it. Those that graduated have been told we cant go to state board due to the schools money fraud. We were lied to and allowed to be robbed educationally and financially. XXXX is a joke. More like XXXX.
Product: Mortgage

Began working towards a modification of the mortgage XX/XX/2014, when the loan was 60 days behind due to loss of income. It was NOT in default at that time. Company continuously loses documents, delays proceedings, and is currently engaging in multiple Dodd-Frank violations with my FHA loan. Refusal to accept payments has put the loan even more behind than when initial talks for modification began.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Product: Mortgage

We have recently applied for a Home Equity Loan and as part of the closing process the Home Equity Loan underwriting team is requesting our existing mortgage company, Caliber Home Loans, to provide them with a written response to be able to close in second/inferior position to existing lien holder which is stated as a required process in our current mortgage agreement with Caliber Home Loans. 

We have been in contact with Caliber Home Loans since XX/XX/2022 without any response from them. We have contacted Caliber Home Loans ' customer service phone number, emailed XXXX, and contacted them via their messaging portal we have access to as part of our mortgage and as of today, XX/XX/2022, not only have we not received any response, we also have not been provided with a ticket number or an ETA when they would respond. This is a deadline driven process which normally mortgage companies respond to within 24-48 hours the most. We are simply requesting Caliber Home Loans to respond so we can proceed closing on our Home Equity Loan which is set to expire soon.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> around XXXX my Robinhood account was hacked and I was unable to change my passwords and the features were locked after multiple attempts. As a result, many unauthorized transactions over 40 transactions occurred over the period of XXXX XXXX on the same day until XXXX XXXX  the next morning on XX/XX/year>. I called and emailed multiple times and the theft could be stopped but Robinhood took no action. They finally got back to me on the evening on XX/XX/year> to unlock my account. I lost over $ XXXX. I have all the records of phone calls, emails that I tried to contact Robinhood during the theft but I was unable to do anything while the crime was happening
Product: Checking or savings account

After waiting for a deposit that was initially delayed already, I received a deposit in my Sofi checking account on XXXX as expected. When I go to use my checking debit card, it is denied so I login to my account to find that it has been frozen. 

When I call the number provided, they do not provide me with any explanation or timeline on how long this will take. Now I can not access my funds to purchase gas or do anything that I need to do. With no timeline in mind now I have no idea how to plan for this.
Product: Debt collection

Repeatedly calls during my work hours. Calls at least 3 times a day. Has called 10 times this week, Monday through Friday. Doesn't leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times by phone, letter & several cfpb complaints including XXXX concerning several XXXX  accounts that I have proved that do not belong to me, yet Transunion still reports them for XXXX XXXX {$160.00}, XXXX XXXX XXXX   {$530.00}, XXXX XXXX XXXX  Opened XX/XX/14, XXXX XXXX was updated to close but still on my report this should be deleted. I have never been on XXXX XXXX  & you all are reporting a balance of {$8500.00}. Please delete
Product: Credit reporting or other personal consumer reports

I saw that an unauthorized credit card account had been opened with Citibank/Citicard , using an address where I've never lived. 
I have been able to file a dispute with XXXX regarding the fraudulently opened credit card, but they tell me they can not remove the incorrect address ( where I've never lived ) until Citibank tells them to, since it was Citibank which provided this information. 
I called Citibank and asked them to remove the address from my credit report since I've never lived there, and it was due to their negligence that the address is there in my report ; they said that I needed to mail or fax a letter to them containing basically all of my personal information ( e.g. correct address, date of birth, Social Security number, phone number etc ), but I am NOT comfortable sending that information out. 
They need to remove the information at once, before it is used again to commit fraud. 
I have attached a copy of the report I made at identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023 I contacted Experian to remove a fraud alert and remove any dispute remarks on my report and instead of removing the alert they extended the alert. I then submitted a request via their upload portal to remove the fraud alert and all dispute remarks on my report which included my identity verification documents. The fraud alert is still in my report as well as the dispute remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it 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. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : 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: Checking or savings account

I was charged over the limit fees, because my deposit s was held
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 : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1600.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$9100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

XXXX XXXX is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for reinserting a previously deleted account into my credit report without following the proper legal requirements. The account in question is XXXX  XXXX XXXX, which was initially removed after a dispute. However, upon reviewing my recent credit report, I noticed that this account has been reinserted without any notification or explanation. 

This action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that credit reporting agencies notify consumers within five business days of reinserting a previously deleted item. To date, I have not received any such notification, nor any documentation supporting this reinsertion.

This failure to comply with FCRA procedures has caused inaccuracies to reappear on my credit report, negatively affecting my credit profile and causing undue stress. I kindly request that the CFPB investigate this matter and take necessary enforcement actions to ensure compliance. Additionally, I ask that the account in question be permanently removed and that I receive assurance it will not be reinserted without valid justification and proper notification in the future.
Product: Mortgage

EXTREMELY URGENT MATTERS!!! 
LOAN # XXXX On XX/XX/2023 I have submitted all the documents requested by Wells Fargo Bank although I have submitted the same form recently. 
I work very late long hours as a XXXX XXXX. I bravely drive throughout the dangerous storms. It is exhausting but I have to just to earn income. I must care for my XXXX daughter and XXXX  daughter. Time is always never enough. I need help. 
Feels like giant Wells Fargo Bank is discriminating and retaliating against me being a minority XXXX female who filed a Federal Complaint. 
All I am simply asking from Wells Fargo Bank is to modify the monthly mortgage to be reasonably affordable to around {$2100.00}. Looking forward to your kind assistance. 
Thank you for supporting women and women 's civil rights.
Product: Money transfer, virtual currency, or money service

Fraudulent charges at Regions bank reported immediately and card closed down and ask to have debit transactions stopped but institution says they could not and sent money anyway.
Product: Credit reporting or other personal consumer reports

After checking my consumer report I noticed 1st progress reporting an account open on XX/XX/year> without my consent. I never did any business with this company someone must have used my personal information over the web to impersonate me. Also, Experian and this company are committing identity theft and violating several of my rights by continuing to furnish this fraudulent data without ever reaching out to confirm it with me. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it is reporting without valid evidence. Experian and First progress are not being fair furnishing fraudulent inaccurate information and this has become very harmful to my finances and ability to get credit in the future.
Product: Debt collection

I don't have any knowledge of this account, I receive no communication in mail and when I researched company no information, and when sent to original they had no clue of the debt and letter was returned, I sent request of validation to company reporting and tho the credit bureau and got no response.
Product: Mortgage

After being denied on a recent credit request, I discovered that our mortgage company, Seterus, had placed negative information on our XXXX credit report even though it clearly states in the remarks section that the mortgage was included in a 2010 bankrupcy. Seterus reported {$21000.00} past due of payment amounts of monthly {$1100.00}. My understanding is that when the mortgage has been discharged, it is illegal to place this information on our credit reports and this is adversely affecting my credit rating and ability to obtain credit. XXXX and XXXX display the correct information of {$0.00} balance and {$0.00} payments due so evidently Seterus chose to report the incorrect information to XXXX. We are still in the house while we work on turning the deed over to Seterus but is immaterial to Seterus taking the action they did on our credit report. We already took the damage to our credit with the bankrupcy, they should not be dinging our credit for a debt no longer valid because it was dismissed. Any help to have the negative information removed off our XXXX report would be greatly appreciated. Thank you.
Product: Debt collection

XXXX  KEPT CALLING MY MOM AND DAD OVER 30 TIMES TRYING TOMCOLLECT FOR XXXX XXXX, ANOTHER GREAKLAKE STUDENT LOAN. THE TWO CELL NUMBERS ARE ( XXXX ) XXXX AND ( XXXX ) XXXX AND ( XXXX ) XXXX.
Product: Credit card or prepaid card

I have charges on my account that were fraudulently done. I have disputed the charges as fraud and have asked the XXXX XXXX to remove them from my account. They have a temporary credit then did a charge back months later. This authorized user was sent two cards of which one was not received. Cards were to be canceled per my conversation with XXXX XXXX. Unauthorized charges occurred after this date. I will not pay for charges I did not make nor authorize and need to be removed from my account at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$4700.00}.
Product: Debt collection

A representative for PDM ( Professional Debt Mediation ) by the name of XXXX XXXX used intimidation and bullying practices to collect a debt from my spouse and myself. XXXX XXXX spoke in a very condescending tone and also raised her voice in a scolding way as well, on more than XXXX occasion. XXXX example, on XXXX/XXXX/15 I contacted the office to arrange a payment schedule for the remaining debts to be paid. I was advised by the original creditor, a XXXX XXXX XXXX representative " XXXX '' to ask for XXXX XXXX 's supervisor, due to a recent conversation XXXX XXXX had with my husband XXXX XXXX that did not go well at all. I called, asked for her supervisor, and was placed on hold in which seconds later XXXX XXXX was on the line. I told her who I was, and I requested to speak with XXXX XXXX ( supervisor ). XXXX XXXX immediately in a hostile tone proceeded to inform me of what needed to be paid. I waited for her to finish and then stated that I was advised to speak with her supervisor, she raised her tone and said " Look I 'm not playing these games with you! '' I at that time hung up and called the original creditor. XXXX ( original creditor ) called XXXX, and was able to speak with XXXX XXXX immediately. XXXX returned my call to give me XXXX XXXX 's extension, and advised me ( again ) to call XXXX XXXX. I was able to speak with XXXX XXXX, he scheduled the payments to come out on the dates I specified, and stated that he would look into the incidents. I would like to add that XXXX also left intimidating voice messages for both my husband and myself. Though XXXX XXXX ( very polite ) is now handling our account because of XXXX XXXX 's collection practices, I thought it was extremely important to file a complaint. I would not want anyone else to experience the verbal abuse that my husband and I have experienced, at the hands of XXXX XXXX of Professional Debt Mediation. These debt collectors need to always respect others, just because a person has a debt does not mean that you are free to speak to them in a disrespectful, demeaning, and abusive way. Professionalism should always be first and foremost, at all times. Hostility is unacceptable and should not be allowed, ever.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   XXXX  90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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 name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a5 ) 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 or convictions or crimes which antedates more ( XXXX XXXX years 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate
Product: Credit card or prepaid card

I have sent dispute letters to Ginnys inc they did not Complied to any of my dispute letter them for verification of competent evidence bearing my signature. Ginnys has not Complied to me in timely manner 30 days period and failed to place notice of dispute on credit reports including XXXX, XXXX, and XXXX which they are in violation of the Fair Credit Reporting Act 623-a-3 ) and corresponding federal and local state laws. This means Ginnys are reporting unverifiable, inaccurate, and incomplete information very serious reporting error and Non-compliance under the FCRA and federal and state laws
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.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 an 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.