23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX, I graduated from law school. In XX/XX/XXXX, I got my first job out of law school. I was earning {$40000.00} a year, and had about {$200000.00} in student loan debt. At or about the same time, I contacted my student loan provider, Navient, about my repayment options. I was told I did not qualify for income-based-payment due to my loan type, so I was forced into the standard repayment option where I has to make payments in the amount of approximately {$2000.00} per month. This was an incredible hardship. In or about XX/XX/XXXX, I was fed up and called Navient again, and was now told that I did qualify for income based payments. This brought my student loan payments down significantly. I did not pursue the matter further, simply happy that I could afford to live. Fast forward to today, when I heard about the Navient student loan settlement and learned, for the first time, that I was not the only one they did this to. I also see that the proposed reimbursement for each eligible borrower is about {$200.00} ( a small amount compared to the $ XXXX taken ). I do not if there is anything that can be done at this point, but I want to at least file the complaint so that this does not go unheard.
Product: Checking or savings account

On ThursdayXX/XX/XXXX I opened up a personal account with Citibank which is also the same bank I currently have a business account with I deposited a check for {$15000.00}. On Saturday I went in person to the branch to transfer money from the personal account to the business after transferring {$3500.00} to the business account my account was blocked and I have verified all of my information and still the bank will not allow me access to my money. I have reason to believe Im being discriminated against. Im requesting that you guys pull the customer service calls from Saturday and Monday where both agents were rude and extremely unhelpful. As of the time of this complaint I have been sitting at the Citibank branch where I opened up the account for over an hour and they cant even get a hold of the fraud department meanwhile I have to pay my rent and they are holding my money XXXX.
Product: Debt collection

On XX/XX/XXXX I informed property that was a a victim multiple robberies. The property manager at the moment explained that I could move once I have another place to move to. Have email to verify the date and what was stated. 
I preceded it to look for a place. 
On XX/XX/XXXX I informed yet again that my property was stolen. At which point I reminded that I am leaving on XX/XX/XXXX. The property at the stated yes verbally and via email that I am not liable for any fees or XXXX rent since I am victim of multiple thefts and that she could not guarantee my safety. I promptly left the property on the XX/XX/XXXX. I have email to verify what was just stated. 

Additional I also have the police reports for such incidents that the property manager alone with my renters insurance used to verify my situation.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned Equifax is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.
Product: Credit card or prepaid card

Over the past few weeks the credit card company has called me numerous times throughout the day. They will not leave a message so that I can return the call when i am not at work. Also, when I have been at work and picked up the call the people on the other end are just rude. I have requested for them to not contact me during me work hours, which are generally XXXX, and of course I get the response " well if you would handly your debit we would n't be calling you. '' I have no problem explain the situation and working through to pay off the debit that I owe but my job does not allow us to use our personal phones while on company time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My update account with XXXX XXXX, account number ending in XXXX has been sent to Experian, XXXX, and XXXX on XX/XX/2022. When i looked at my Experian credit report, they were the only company, to have an inaccurate balance on my report. the balance they have on my report is XXXX dollars when my is actually XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Dispute through CFPB XXXX. 
Experian was sent 2 MOV 's on XX/XX/2022 to previous disputes that were verified as needed changes and some changes were made, but still incorrect information being reported. 
Experian has not responded to me and it has been 30 days, they were given 15 days to respond. 
Experian also responded to the disoute through CFPB with some " canned language '' and still has not provided me or CFPB with requested information that was sent to them in the MOV letter. 
This is a direct violation of FCRA 611 and is absolutely unacceptable to me and should be to the CFPB also, for them to treat consumers this way. 
Please delete the XXXX and XXXX accounts immediately.
Product: Credit card or prepaid card

I was with capitol one and was struggling to pay my capitol one bill. When I thought it was free money and its not u got ta pay it back thats my my father who is no longer with me who passed away told me not to have one and Im vulnerable to a lot of things I dont think clearly when I see good deals then I get in trouble for mishandling the credit card issue as im XXXX and dont have a ton of funds. Im XXXX and im different than others I dont think too much when I do things that are not ok. When I told the credit card company capitol one I couldnt pay it they wouldnt help me I had to dip into my ira account which costed me interest on my taxes I just thought they could wave the balance I had a rough time when my father passed away ever since then I havent opened up a credit card I will never do it again its just a bad habit wish they could have helped me out
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Equifax deleting a collection from XXXX XXXX XXXX. Wrote several dispute letters to remove XXXX XXXX XXXX XXXX dollar XXXX XXXX collection from XX/XX/2013 Wallet and checkbook was stolen a month before in XXXX. Police report was filed. XXXX XXXX  closed account before XX/XX/2013. XXXX  and XXXX  correctly based on theft fraud check
Product: Credit reporting or other personal consumer reports

I m a victim of identity theft and I have been disputing my credit reports but the disputes are not being filed correctly per the FCRA and my paperwork and my FTC report are not being attached to the disputes. I am not getting copies of the verification process that I am requesting.
Product: Mortgage

Ditech reversed my XX/XX/2018 mortgage payment for reasons unknown and unexplained to me. Customer Service has also been unable to explain what happened from my numerous calls to them. The funds paid to Ditech were posted to my Ditech account and cleared my bank account timely. I only learned about this situation when I received a letter from Ditech dated XX/XX/2018 which stated I was behind on my mortgage and that I needed to make a payment to avoid foreclosure. My account is current and I have bank records to prove every payment. I have spent hours on the phone with Customer Service and have gotten no resolution. I don't understand how my payment could be received, applied to my account, clear my bank and then be reversed months later, thus creating a default situation? Where did my funds actually go? As a financial institution, aren't they supposed to abide by strict accounting controls? After trying in good faith to work with Ditech to clear up this situation, I now feel they are willfully misstating my account status and payment history while also threatening me with foreclosure for their own shoddy accounting practices. Thank you for any help you can provide
Product: Student loan

My issue is that my credit score has gone down to XXXX due to the fact that I thought my student loans were in forbearance and I have been shown a few documents where my loans are not in forbearance as they should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

NOTICE AND DEMAND Equafax is Coconspiring with XXXX XXXX XXXX. Equafax is enabling an erroneous alleged collection, agency perpetrating fraud and false statements under the false claims act a {$10000.00} fine that I will be charging daily. Equifax and XXXX XXXX are depriving a man of his rights under title XXXX XXXX depravations of rights a {$10000.00} fine that I will be charging from here on daily I will be seeking at the insurance commissioners office to seek the surety bonds of Equifax and XXXX XXXX to charge a claim for false claims did provision of rights and making collections without an XXXX number or proving that they have a contract with this man XXXX XXXX. Equafax and XXXX XXXX are violating FDCPA rights. and several supreme court case law violations, in the event that this is not immediately handled in the next 72 hours, I will be forced to make a claim against Equafax and XXXX XXXX surety bond.
Product: Mortgage

There are several serious issues with this mortgage and foreclosure : 1. The mortgage contains the wrong legal description. This would effectively invalidate the conveyance of the lien to the property. 

2. The note contains former XXXX XXXX VP XXXX XXXX. It is a matter of public record that XXXX XXXX left her position at XXXX  XXXX XXXX   in XXXX of XXXX. There is no way she could have legally endorsed my note after the loan was consummated in on XX/XX/XXXX or before XXXX XXXX was put into FDIC Receivership in XXXX of XXXX. 

3. The mortgage assignments indicate the loan was assigned from the FDIC to XXXX XXXX on XX/XX/XXXX. XXXX XXXX claims they were acting as Attorney-In-Fact for the FDIC. However, their right to act as Attorney-In-Fact for the FDIC expired on XX/XX/XXXX. 

4. SPS claims they received servicing rights in XXXX of XXXX when the loan was still allegedly owned by XXXX XXXX. They were also the servicer of the loan when the loan was placed into the XXXX XXXX. There are two issues with this. The first being that it is against REMIC rules to place a defaulted loan into a Trust. The second issue is that it is also a violation of REMIC rules to place a loan into an XXXX XXXX more than 90 days after the closing date of a trust. 

5. SPS and their attorneys, XXXX XXXX are unable or unwilling to supply a complete transaction history. A complete transaction history is needed to validate the dollar amount of the debt. In order to foreclose, a lender must be able to validate the dollar amount of the debt.
Product: Debt collection

Capio Partners a debt collector harassing me to collect {$300.00} from XX/XX/XXXX of XXXX without any billing notification mail or email notification after 2.5 years. XXXX XXXX ( XXXX XXXX ) harassing me all of a sudden after 2.5 years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after 2.5 years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. 

In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. 

This medical service at the time was under an attorney for medical malpractice. 

I am filing a complaint, I would like this to stop.
Product: Mortgage

In XXXX XXXX, we filed XXXX XXXX bankruptcy. In XXXX XXXX, we completed our bankruptcy and according to our bankruptcy documents, we were to resume our original mortgage payment of {$480.00} in XXXX XXXX to our mortgage company Bayview Loan. This amount did n't include our current escrow, so we started paying {$650.00}. In XXXX XXXX, we found out they were cashing our checks but not applying our payments to our account. They claimed we owed {$11000.00} in back escrow. After NUMEROUS phone calls and faxes, we were sent a payment history from XXXX XXXX to present. We have been in bankruptcy since XXXX, where was the rest rest of our payment history? At first, we were told that was all that was available. Then we were told they were sending it but that there was an 8 month gap between their old system and new system that they can ' t provide. So far, we have received NOTHING! Also, we were requesting an escrow analysis because according to the payment statement we did receive, on XXXX XXXX, three months before we were to complete our bankruptcy they added close to {$11000.00} to our escrow account. Bayview has made numerous promises to get us documentation, provide us with a researcher, and help us determine if we owe this money and if we do, why it was added so late in the bankruptcy so it could not be paid off. They have done nothing. They have ruined our credit report we worked so hard to clean up and are now threatening foreclosure. Also, if we still owed arrears, why did they sign off on the bankruptcy completion papers saying all arrears had been paid?
Product: Credit card or prepaid card

My credit limits have been reduced with a couple of cards through Synchrony Bank. The first card was with Sam 's Club Mastercard. They did not provide notice regarding this issue. I called on XX/XX/XXXX to discuss the concern and they stated I would need to speak with XXXX. However, I received a notice the following week regarding the issue ( Please see attachment ). I spoke with XXXX and they stated that Sams Club is the creditor that reported the negative items on the report after lowering my limit. According to XXXX, there are no late payments, bankruptcies, or collections on my report. All payments have been made on time. I spoke with Sam 's Club and Lowes Credit and they stated that they can do what they want to do with your credit limit. I believe this very unfair and no reason to reduce limit especially when I have made my payments on time. Synchrony bank has damaged my credit by lowering my limit and has responded in a negative way. I have not received the letter from Lowes as of yet. They stated that it was mailed.
Product: Checking or savings account

Transfers were done with a company named XXXX on my behalf ( for investment purposes ), after a couple of days ( was never able to access the funds or buy securities ) they closed out my account and said that they are reviewing it and it could take at least 90 days to 180 to get my funds back and they told me that it could take much longer than that, and that my account was fronzen and would be terminated in the next couple of days. I was not happy with that since there were {$2000.00} ( XX/XX/22 ), {$2000.00} ( XX/XX/22 ), {$400.00} ( XX/XX/22 ), {$630.00} ( XX/XX/22 ), They told me that I should make a stop payment order of these funds and to open a claim with wells fargo if I should get my funds back so I opened a case on ( XX/XX/22 and only 16 days have passed since that transaction ). While talking to someone about the claim they came up with dates for the transactions and couldnt find the one for the XXXX in XXXX, I told them that I opened the account a week before and made the transfer somewhere around the XXXX and with that they ( without telling me ) set that date as the transaction date. I recorded the whole conversation from my end and after a week on XX/XX/22 they returned only {$3000.00} and said that the XXXX transfer was denied because it was beyond 3 weeks and that I have agreed that I revoked their authorization on the XXXX of XXXX and yet only 16 days have passed ( the person that I spoke through on the phone never made the due diligence to tell me about that and without telling me put down the date as the XXXX and stated that I revoked their authorization on the XXXX, even when I have never stated so ), and when checking with XXXX I have 0 funds in that account even since the transfer failed on their end and they have fully terminated that account.
Product: Debt collection

I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times. 

I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.
Product: Checking or savings account

On XX/XX/XXXX I received an unauthorized XXXX transfer for {$3000.00} from my sisters account. I returned the {$3000.00} same day via XXXX using her phone number. She did not receive the {$3000.00} from XXXX and filed a claim with Wells Fargo. 
On XX/XX/XXXX Wells Fargo takes {$3000.00} out of my bank account and credits my sisters account {$3000.00}. WF did not notify or contact me in anyway regarding the removal of every dollar I had. They did not investigate into my sisters account being hacked ; they simply took the money from my account. I had already sent/returned the {$3000.00} same day. When I filed a claim with WF ; they denied and said the funds were used. I disputed that saying they were not used, but returned to my sisters account but possibly intercepted by whoever originally sent the money. They have been " investigating '' my case for over 30 days. I am constantly given the run around by WF. I call regularly for updates hold for hours and they tell me they are still investigating and will call me back. NO ONE HAS CALLED. 
They took {$3000.00} out of my account leaving me overdrawn for over a month!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fails to report accurate information on my credit report and their actions are adversely affecting my credit report. This company is reporting that Ive been delinquent on my credit card payments three months in a row when this information is false. I owe this company XXXX dollars, in addition, they are not available or even have an adequate customer service number to directly dispute these issues, nor do they adequately respond to customer emails. They reported my account falsely as being delinquent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX in addition to XXXX XXXX XXXX  These inaccuracies should be immediately removed off my credit report.
Product: Debt collection

This company sent messages to a family friend stating that they were looking for my location. They did not disclose who they were and implied that they were looking for me due to a misunderstanding..the family friend reached out to my family and friends and immediately contacted law enforcement because of the verbiage this company used insisting that my location is unknown and need to be know due to a misunderstanding. This in turn sparked my family into a frenzy thinking I was missing while Im at work not answering the phone. This cause so much chaos in a matter of minutes and we had to get the police involved due to the negligence of this company!!
Product: Mortgage

I 'm a XXXX in the XXXX, XXXX, Georgia market. I interact with a large number of real estate agents and their companies. I 'm facing unscrupulous and illegal competition in this market by Home Star Mortgage Corporation. Home Star 's entire marketing strategy is based on illegal referrals thru their contracts with realtors on XXXX and in paying rents to brokers which are n't based on market rents and are inflated to illegally benefit the broker. In particular, their rental arrangement with XXXX in XXXX Ga. and in XXXX Ga. should be looked into. 

Homestar 's system of reimbursing the realtors or in paying XXXX bills directly for the realtor in exchange for referrals is an illegal kick back and pay to play system that has greatly affected our market, and allowed HomeStar to manipulate the market to their advantage, while reputable lenders such as myself who will not violate the rules are left to compete against an unfair business practice.
Product: Checking or savings account

I got a {$370.00} for a card that I do not or have had with either Truist, Suntrust, nor BB & T. 
They say that I can not dispute the charge. I never authorized this payment and it is not the first time it happens. After I resolve this issue I will go to another bank.