23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a total of {$150000.00} outstanding The issue is that my servicer for four of these loans, nelnet, has {$46000.00} split into two payments. One for {$140.00}, and the other for {$60.00}.

I thought it woukd make sense to consolidate these notes, however, once on StudentAid.gov, the option to consolidate raises the interest rate from 6.8 % to 6.875 %, and it raises my monthly payment amount for the Extended Fixed plan to {$320.00} per month.

Whereas, my current two payments are a total of {$200.00} per month.

A simple loan consolidation should cost less money in the long run, not more. 

I do not understand how these repayment estimates work : Standard You will pay a total of {$100000.00} over 360 months {$300.00} - $ XXXX/month Graduated You will pay a total of {$110000.00} over 360 months {$260.00} - $ XXXX/month Extended Fixed You will pay a total of {$96000.00} over 300 months {$320.00} - $ XXXX/month Extended Graduated You will pay a total of {$100000.00} over 300 months {$260.00} - {$45.00} Why am I scheduled to pay over twice what my loan principal is? 

$ XXXX/XXXX  = {$460.00} x 6.875 % = {$3100.00} + {$46000.00} = {$49000.00} total to pay back. 

However, the Government student loan industry expects me to pay : Standard : $ XXXX/ {$49000.00} = 220.8 % of the original loan terms. 

Graduated : $ XXXX/ {$49000.00} = 236.6 % of the original loan terms. 

Extended Fixed : $ XXXX {$49000.00} = 195.7 % of the original loan terms. 

Extended Graduated : $ XXXX/ {$49000.00} = 211.9 % of the original loan terms. 

I'd like to know how this is legal? If I had borrowed a 300 % payday loan every semester to cover my expenses, at least I could declare bankruptcy.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged feed due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practice are unfair and request an investigation into my account.
Product: Debt collection

After discovering this debt with TD Bank XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account :
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for XXXX  and online, however the online site comes up with an error and call XXXX ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the current evaluation done by the XXXX XXXX XXXX. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I believed that the accounts I am disputing were already taken care of due the letters I have been sending to the Credit Bureaus. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to corrected. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$500.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

I RECEIVED A LETTER IN THE MAIL FROM ONE OF MY XXXX  AND IT WAS A LETTER A COMPANY CALLED CCS COLLECTIONS. I CALLED THEM AND SEND OVER A POLICE REPORT AND ALSO CALLED THE XXXX AND IT WAS DIMED AS FRAUD. NOW THE COMPANY PUT A FRAUD ACCOUNT ON CREDIT FILE WHEN THEY HAD PROOF IT WASNT MINE. I LIVE IN SC NOT NC AND IM XXXX IN SC SO I CAN I HAVE A NC AUTO POLICY. NO ONE THERE CARES AND CLEARLY ITS ALL ABPUT THE MONEY.. I WILL SUE AND IM A XXXX XXXX IN XXXX SC.
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX XXXXXXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** *XXXX Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Checking or savings account

Wells Fargo Bank repeatedly froze my personal bank account and sent me XXXX messages.
Product: Credit reporting or other personal consumer reports

After submitting multiple disputes my problem was not resolved Id like for all of the collections on my credit report to be deleted because they are all inaccurate
Product: Debt collection

Global Lending Service sold my repossed debt to a attorney office that has been threatening me with legal action the third party collection lawyer has put it on my credit report and it is keeping me from buying a house. This is a old account and a joint account I cosigned for a car with my daughter it isn't on her credit report. I have asked them to remove it they won't. It is old and been charged off.
Product: Mortgage

I have been working with Caliber Home Loans very closely for months. Every single time I call Caliber I am given different information and then the rep says I am sorry you were misinformed. This is unacceptable. I want the calls reviewed that are recorded for quality assurance. These are not quality calls if the consumer is constantly being told something different. Most recently I was told that I had funds sitting in an unapplied cash account that would be applied to my first payment of my new loan modification once my paperwork was received. In the meantime part of the money was applied to the loan. This is not what the rep I spoke with told me would happen. Why do all of your reps give a different story? 

Additionally - everytime Caliber sends out documents they are never received. All other mail is delivered except for Caliber documents. One of you reps even said " we hear that a lot, we dont know what USPS is doing with the documents ''. This is unacceptable from a company that is managing such large assets.
Product: Checking or savings account

Wells Fargo Fraud - I have a checking account with Wells Fargo that was fraudulently misused. I noticed a debit for {$200.00} from the ATM, {$1.00} for a " XXXX XXXX '', and {$60.00} from a XXXX XXXX  XX/XX/2020, that was not mine. There was another {$100.00} removed from a linked account ( my son 's account ). I called the bank the next day, XX/XX/2020. They said they would investigate. According to the bank, someone ordered a new card on the XXXX of XXXX, 2020. They had that card mailed to a different address than mine. The purchases were made with that. I reported the money as fraudulent within hours of the fraud yet Wells Fargo said I am responsible for the lost and denied my claim.
Product: Credit card or prepaid card

The company - called Transferwise now called XXXX allowed XXXX XXXX to double bill my card- approximately {$500.00} two times = {$1000.00}. 

This has overdrawn my account and blocked access to my good funds for 10 days. I have sent twitter and email messages. They apologized but refused to clear the double charges. My subsequent emails to them - no replies- only silence. 

Account # XXXX My email address - XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/23 i invoiced my employer via square for the amount of {$3700.00} On XX/XX/23 the amount was paid in full I was promised the money would transfer to my bank account on XX/XX/23 On XX/XX/23 square asked me to complete some security questions on XX/XX/23 square rejected my responses XX/XX/23 i attempted to provide more information XX/XX/23 i called square and was told by a representative that i needed to provide my XXXX and drivers license and after that i would receive my money. 
XX/XX/23 my account was deactivated and i was told my funds would be held until XXXX XX/XX/23 i called square again and i was informed they didn't have any information for me and they wouldnt help me. i must wait for my LIVELIHOOD until XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Dispute number XXXX denied.
Product: Debt collection

Debt collector is XXXX XXXXSouthern Oregon Credit Service . Received 1st letter XX/XX/XXXX stating I owed a debt of {$3400.00}. There was no proof I owed this alleged debt, I sent a certified mail debt validation letter to them on XX/XX/XXXX. I asked for Name and Address of Alleged Creditor, Name on File of Alleged Debtor, Alleged Account, Address on File for Alleged Debtor, Amount of alleged debt, Date that this debt became payable, Date of original charge off or delinquency, Was this debt assigned to a debt collector or purchased?, Amount paid if the debt was purchased, Commission for debt collector if collection efforts are successful. Also asked for a copy of the agreement with the client that grants them the authority to collect this alleged debt, and a copy of any signed agreement the debtor has made with the debt collector or other verifiable proof the debtor has a contractual obligation to pay the debt collector. As well as a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Received another letter from them on XX/XX/XXXX stating the alleged debt and this time there was the first top page of a summary judgement included. 
This did not include the proof I asked for, so I sent a 2nd certified mail verification letter stating that the collector failed to validate the debt and they need to delete the debt, be removed from the firm file and copies of deletion must be sent to me. I also stated they should not contact me again. 
I then received a 3rd letter, this time with the first top page of a summary judgement, and also a list of alleged debt written in their office. Still no proof was given and this is now harassment.
Product: Mortgage

XX/XX/18 : Closed on our new construction home with XXXX XXXX XXXX, XXXX XXXX, GA. We were told during the closing that we would be able to pay down the principle on the loan to eliminate the Private Mortgage Insurance. We were in the process of selling a home and did not have the required down payment. Our intention to pay down the mortgage and elminimate the PMI was well known and discussed with our mortgage broker XXXX XXXX and the closing attorney. 

Mortgage was subsequently sold to Nationstar Mortgage LLC ( DBA Mr. Cooper ) XX/XX/2018 : Sent two checks to Mr. Cooper with our monthly coupon. One check for the normal monthly payment and a second for {$90000.00} marked for Principle Payment Only. The coupon was also notated for normal payment and the additional {$90000.00} Princliple Payment. 

XX/XX/18 : Called Mr. Cooper and spoke to XXXX XXXX about cancelling PMI. I asked if the original appraisal on the new construction home was sufficient as per the stipulations on the PMI disclosure I signed at closing. I was told no and provided additional stipulations that were not part of my original disclosure. I asked to be transferred to XXXX XXXX 's supervisor who continued down the same path. I then asked to speak to someone in the PMI department and was told they were not in at that time. 

XX/XX/18 : Spoke with customer service rep XXXX # XXXX from Kansas who informed me that my {$90000.00} Principle payment was incorrectly applied. The next monthly payment was subtracted from the principle payment prior to crediting the remainder to Principle. XXXX confirmed that he had made an adjustment in the system to properly apply {$90000.00} to Principle and advised me to make my next regularly scheduled payment. 

I asked to be transferred to the PMI Department and XXXX answered the phone. I stated everything that I previously stated during my original call on XX/XX/18 and was again told about criteria that was not on my PMI disclosure from closing. I asked where the additional critera was coming from and was told that I could find the answer in the Homeowner Protection Act. I read XXXX the criteria on the PMI disclosure : 1 ) Submit request ( she never provided an address ), 2 ) Good payment history, 3 ) Current on payments and 4 ) Evidence the value of the property had not decreased. I asked if the original appraisal on the home ( from XX/XX/XXXX ) would be valid and was told " I don't see why not ''. I was told the paperwork would be processed and that my loan to value was 74.18 % which is under the Borrower Requested Cancellation of PMI requirement of 80 % AND the Automatic Termination of PMI. 

XX/XX/18 : After noticing the error in applying my Principle payment had not been corrected on my next statement I called the PMI Deaprtment again and spoke to XXXX XXXX at x XXXX. I repeated the entire story and kept referencing my PMI disclosure but was told request to cancel my PMI was not put through. I was told that XXXX XXXX his supervisor would contact me on XX/XX/18. I have not heard from her or anyone from Mr. Cooper.
Product: Vehicle loan or lease

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please fix the account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX, XX/XX/year>