23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The company in question has contacted me several times to repay a debt. I am currently finishing XXXX studies through an extension from an illness that I sustained when I was enrolled in the XX/XX/2015. I am not presently enrolled, though I have been granted academic permission to continue my coursework as would any student who is actively enrolled. 

In the past, I was granted a deferment/forbearance status by this company when not actively enrolled in classes. This time, they have decided to pursue aggressively a debt repayment on the basis that I was reported by the school as being no longer enrolled. The school and the lender both are having difficulties with communications between themselves regarding the issue -- something that I have personally intercepted with the intention of resolving this issue. 

I have disregarded the lenders contacts on the basis of my history with Great Lakes. I applied for a deferment and/or forbearance in the past several times with Great Lakes and was granted them without delay both over the phone and on the Internet. 

This time around, I applied again and was granted a deferment/forbearance on every loan except for this one, which was locked/frozen, meaning I could not request the same deferment/forbearance that l had requested successfully and without problems in the past. The lender has after several attempts finally emailed my personal email account without a description in the body of my email address -- only included is the sender 's email and contact information. 

I find these practices to be extremely fishy, unwarranted and demonstrative of the use of loopholes for the collection of debt without regard for academic circumstances. I base the reasoning for this complaint on my past experience with these particular companies.
Product: Checking or savings account

I am having the worst experience with State Employee Credit Union. It all started in XX/XX/2018. I was having an issue with XXXX accessing my account. They debited on XXXX and XX/XX/XXXX. I don't know how they received my information but I disputed it. That went well but I was advised they would be blocked and of course they were not. So I called back and was advised to switch debit cards. So I did, Then XXXX charged the new account. I then closed the account per bank advise again. And yes XXXX now has charged the new acct. So then I was advised that banks give the company 's the new card numbers. Never heard of such a thing. I was advised to again get a new card and stop the process of giving the company my new information. As if all of that was not enough. On XX/XX/XXXX I started paying my XXXX XXXX payments via checking account and XXXX closed my account via checking account reporting closed when we call into credit union the account was clearly open. Now today I tried to deposit funds from my XXXX account. Now they are reporting the account I just opened and have direct deposit to is closed. I contact the bank and stated I have not used the account in 3 days so they closed it. I just cant get a break with this bank. Its so many grey lines and I have never experienced with any other bank. I am terrified of what to expect from this bank.
Product: Debt collection

I had XXXX  and incurred medical expense along with some other health issues that also incurred out of pocket expense. Started paying multiple medical bills with the amount that i could monthly afford for all of them. CMRE has been accepting my money and applying it towards my balance. The monthly payment amount wasnt what they preferred me to pay and said it was not enough. They reported to the bureaus that XXXX, XXXX and XXXX that it was a collection, as if i had not been making payments. How is it legal to report that someone isnt paying when they have been? And have it impact a persons credit so negatively? I have receipts of payments i will include. But i will also say the other medical bills i have are happily and understandingly accepting the monthly payment amount that i can afford to pay them. During a pandemic and people struggling to pay bills, it is really horrible how this collection agency is conducting business. They are getting paid and will continue to be paid until the balance is paid off. But its very disturbing how they have no compassion for people who are trying to pay their bills but may not can afford to pay what cmre requires of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy. 

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The have violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 A. States I have the right to privacy. 

According to : 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 According to : 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: Debt collection

. I have submitted over XXXX letters to your ENHANCED RECOVERY CO L providing the appropriate documentation of this fraudulent account. ENHANCED RECOVERY CO L keeps on adding this account for {$280.00} and a second on for {$870.00} my credit report with different dates and time. 
Also, no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to recived all evidence being requested in this letter. 

ENHANCED RECOVERY CO L XXXX Collection opened XX/XX/2019 Account type Collection amount {$280.00} ENHANCED RECOVERY CO L sold XXXX of the collections for {$870.00} to XXXX XXXX XXXX. This XXXX companies every month remove this collection because they have no records as to why am I being charged does amounts and after XXXX week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
Product: Credit reporting or other personal consumer reports

I would like to request the correction of inaccurate data on my credit report regarding late payment. It is imperative that this account is updated to accurately reflect the payment and that any erroneous information is corrected promptly. In cases where delinquency is reported, I request that the payment date be accurately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time frame. Therefore, I expect the credit report to accurately reflect the payments made, without any indication of missed or late payments. Additionally, there is no remaining balance on this account that would suggest a missed payment. Please repair this account : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had an account with Ally Financial account # XXXX which was paid to a XXXX balance yet, when I checked my credit I see a balance showing for {$210.00} this is false information.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, XXXX. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.
Product: Mortgage

On XX/XX/20 I contacted Longbridge Financial about Reverse Mortgage and received same day email response with additional information and numerous reviews and ratings and assurance of their strict adherence to NRMLA Code of Ethics. Also received a detailed financial spreadsheet analysis to be used during counseling session ; a 6 page written quote. 

XX/XX/20 After numerous calls and emails we moved to signing of an application provided by DocuSign. 

XX/XX/20 sent email asking that the interest rate quoted in conversations, emails and financial proposal/quote ( XX/XX/20 ) be explained in detail. This email request was ignored ; the one and only time a question was ignored or left unanswered. 

XX/XX/20 Emailed XXXX XXXX to advise that appraisal was scheduled for XX/XX/20 and again reminded XXXX that my question regarding the interest rate had not been answered. He called and when I asked him the exact components making up the interest rate quoted verbally and in writing he indicated that it was made up of LIBOR, .50 % for insurance and the remaining component was the margin for Longbridge. When I asked the LIBOR rate used in the quote he said 1.3882. I responded that of the total quoted of 3.382 that left 1.50 for Longbridge margin. He seemed confused and said no, the margin was 1.75 because they lowered the origination fee from {$5200.00} to {$4800.00}.

After hearing this confusing and conflicting explanation I offered to review the written quote he provided and call him back ; I called back immediately with the quote and he agreed with the original interest rate but said someone in corporate had changed the rate a couple of days after he quoted me originally. He attempted to have me accept the higher rate by referring me to the amortization schedule he provided with the written quote. Since the interest would be thousands of dollars more over time, the {$400.00} reduction in origination fee was not an acceptable alternative. 

I explained that I was extremely disappointed and uncomfortable and that we needed to maintain the original numbers to move forward. He agreed and said he would contact the individual who changed the numbers, XXXX called back minutes later indicating the change and new interest rate would stand and either I agreed or the application would be canceled, the appraisal stopped, and while he agreed this was unfortunate, his hands were tied. I assured I would file complaints with all appropriate agencies.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

*I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.
Product: Mortgage

My first mortgage holder, XXXX XXXX XXXX transferred my loan to XXXX. This was after it fraudulently sold the defaulted loan to investors, and after it made a claim for the FHA insurance and converted the loan to a conventional loan. I dd not receive an updated notice of this new loan and its terms. XXXX bought this loan from XXXX XXXX XXXX last year, and my wife and I worked with XXXX to do a short sale, all the paperwork was done, the payoff notice was sent from XXXX, the payoff check was ready, the deal was to close on XXXX XXXX, 2016. On XXXX XXXX, XXXX sold the loan to Shellpoint, refusing payment, thereby invoking UCC rules. Shellpoint has no valid claim to this debt. By refusing to take a payment that would have made more than the full amount of the original loan, more than what XXXX paid for the loan, it is no longer entitled to the debt. Nothing more is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, Transunion and XXXX  ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
Product: Student loan

I filed a police report # XXXX regarding the school misconduct and how they committed student loan fraud. The school I attended has been in court for school misconduct and as a result I had a borrower defense claim automatically filed by the Dept. of Education that closed my federal loans without further damage or loss to myself. I challenged Navient when they sent a debt collection after me and they only provided to me forged documents. I am still waiting on law enforcement to complete their investigation. The police report was filed XX/XX/year>2024 with the local police department. I have been accepted to the XXXX XXXX XXXX for the XXXX XXXX bankruptcy case. I have been harmed by the schools misconduct and the federal government closed those federal accounts stating there was school misconduct. I understand the holder rule requires Navient to react accordingly on my private loans. I am aware they are doing so for other students in my similar predicament. Navient ( previously SallieMae ) was aware of the tactics being used but has done everything in their power to avoid consequences. They settle out of court but manage to limit their losses by setting terms that favor the few leaving the majority up the creek in a bad way. No lawyer in my state wants to take them on directly and are just telling me " call us when they sue you. '' This is totally unfair to those in my position and I need help.
Product: Debt collection

The hospital never provided the bill showing XXXX or XXXX was billed properly. They were asked multiple times for this confirmation and I was never provided with the bill or my co-payment amount.
Product: Money transfers

I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. 

Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! 
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 )
Product: Checking or savings account

I was notified by text of a possible fraudulent charge on my bank account. They gave Huntington Banks name and corporate phone number in Ohio. They wanted to verify my account information for security reason. I gave my debit card number/expiration/security code and verified my name. When they asked for my driver license number and social security number, I panicked and knew something was wrong. I went to a branch of my bank, Huntington Bank, in a XXXX XXXX near my home because the XXXX XXXX was closed to lobby traffic due to short staffing. They requested I used their drive-through! 
I spoke with XXXX XXXX, the Assistant Branch Manager, who filed a dispute of the transaction ( {$700.00} to XXXX XXXX  on XX/XX/XXXX ). The reference number of the dispute is XXXX. I wished to dispute the charge against my account as fraud because I did not make the charge. I was told it was for hotel accommodations in XXXX, NY by XXXX XXXX. The debit card was closed XX/XX/XXXX. I dont recall if I gave a PIN number. I was very frightened and upset. I was told that since the fraudulent transaction was in pending status on my account, there was no way to cancel/freeze/block/stop the transaction. The bank offered a new debit card and a rush on both the new debit card and dispute of the transaction. I am a senior citizen on social security only and desperately need these funds reimbursed ASAP to pay my monthly bills. Im sure youve heard this beforeI cant believe there are people in this world preying on unsuspecting/distracted people and that they can sleep at night with guilty consciences! I appreciate any help you can give me and thank you for your efforts on my behalf, in advance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative accounts reported on my credit report as a result of the XXXX  Equifax data breach, which compromised my personal information without my consent. I believe these accounts are a direct result of identity theft stemming from the breach and should be removed from my credit report immediately. 

Under 15 U.S. Code 1681o regarding civil liability for negligent noncompliance, XXXX  failure to maintain reasonable security practices to protect consumer data constitutes negligence. The statute clearly outlines that any consumer reporting agency found negligent in failing to comply with the Fair Credit Reporting Act ( FCRA ) is liable for actual damages sustained by the consumer, along with costs and reasonable attorney fees.

As a victim of this negligence, I am requesting that all negative accounts associated with fraudulent activity be permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my XXXX XXXX and noticed i have a lot of credit inquires that I did not authorize that were done on the same day. There were a total of 10 inquires done on XX/XX/2018. This is preposterous I have knowledge of these inquires. I was looking for a car at the time but did not authorize any dealer to run any hard inquires on my credit. Banks are giving me a very hard time behind this and its seems like I have definitely been taken advantage of.
Product: Mortgage

On XX/XX/2021 I was pre-approved a loan from HSBC Bank - communicated by a Direct Mortgage Consultant called XXXX XXXX. 

On XX/XX/2021, I sent an email to XXXX XXXX stating that I have purchased a property and provided him with a link to the Compass listing of the property which states that the property is an apartment in XXXX XXXX XXXX, a Condotel. 

On XX/XX/2021, XXXX XXXX asks me to send him the closing statement among other documents. On the same day, I sent him all the documents which state that the apartment is in a Condotel. 

From XX/XX/2021 to XX/XX/2021, XXXX sent me several emails and made calls asking me to sign documents and close the initial evaluation process. 

On XX/XX/2021 XXXX asked me to pay {$870.00} for the loan processing which I did immediately. 

On XX/XX/2021 XXXX informed me that the loan can not be processed because the apartment is in a condotel. 

On XX/XX/2021 XXXX and XXXX, I pleaded with XXXX that he did not once mention that the apartment is not eligible for a loan and this information was hidden from me that a condotel can not get a refinancing from HSBC. 

On XX/XX/2021, I again informed XXXX that he should not have asked me to pay {$870.00} for loan processing, knowing very well that the purchased apartment was in a Condotel. I brought to his attention that he was sent the closing documents and warranty deed back on XX/XX/2021 but not once did he mention that this was ineligible for the loan. 

I am only asking that due to the negligence on the part of XXXX XXXX, my loan processing fee of {$870.00} be returned. 

I have spent several hours sending XXXX the documents he needs, while all along he knew that the loan would not be processed. 

I am being penalized due to no fault of mine.
Product: Credit reporting or other personal consumer reports

After signing up for credit monitoring, i discovered some unauthorized accounts that are showing on my credit report illegally. I requested proof via certified mail and i didn't receive any, no real investigation was completed either.