23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I would like to file a formal complaint.
<P/> XXXX XXXX scammed me into believing they offered a legitimate loan consolidation program by using the official-sounding Obama Student LoanForgiveness program.
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I immediately started making monthly payments to XXXX XXXX and stopped the payments to my current loan servicer Navient which is one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. They fraudulently accessed my FASA ID by using both my Social Security and Driver 's License Number.
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I have filed complaints on federal and state levels including with the state of North Carolina Dept. of Justice. The funds have most recently been return.
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Here is the new problem. My husband and I were looking to purchase a home. After pulling my credit report, the lender informed me that they could not move forward with approving the loan because I had late payments applied to my student loans within the last 6 months. This is due to me paying XXXX instead of Navient.
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This is devastating to me! I would like to move forward with charges against this company so that they do not do this to anyone else. XXXX continues to represent itself as a Student Loan Forgiveness program and they are not. We will have to wait at least another year before we can begin the home purchasing process again.
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Please help me stop this fraudulent company hurt someone else.
Product: Credit reporting or other personal consumer reports

Every time I dispute or complain it is like they do not even look into the issue or the dispute. Nothing changes and nothing is resolved. These have been in dispute status for far too long and they need to go! These accounts are not mine! I was homeless since 2018 thanks to bad credit reporting denying me a mortgage loan literally a week before we were going to close.I am just getting my life back together but it feels like these XXXX credit bureaus want to make it impossible.
Product: Mortgage

On XX/XX/year>, I was offered a DOJ forgiveness loan modification through with the Home Loan Team for Bank of America ( BOA ), N.A. that served my former Account # XXXX. I had completed my trial period plan. The DOJ forgiveness loan modification program paid BOA a principal reduction of {$410000.00} for which my ex-husband and I were in default for. When he was in the home, he did not pay the loan for " XXXX '' years and 11 months. 

In getting the forgiveness modification solely with my name, a Substitute Trustee was ordered by the XXXX XXXX XXXX County, MD District Court to sign the quit claim deed for my ex-husband, removing him from the deed of trust for my home. The contents of the forgiveness modification were shared with the county district court judge, my lawyer and the substitute trustee who all signed off on the removal of my ex-husband 's name to get the deed solely in my name. 

The principal balance was permanently reduced solely identifying me on the XXXX IRS Form 1099-C. However, BOA refused to take his name off of the note because they said that I was still in default when I signed the DOJ forgiveness loan modification program agreement. BOA said that they would allow me to take his name off of the note if I refinanced the loan, taking me out of the DOJ forgiveness loan modification program. 
This appears to be fraudulent because BOA has already been paid by DOJ for the default portion of my loan and getting another loan would allow them to be repaid again. 
Currently, my loan is with XXXX XXXX through the servicer XXXX XXXX XXXX under Account # XXXX. It appears that Bank of America Corp is one of the largest shareholders of the XXXX XXXX XXXX XXXX XXXX. 
Please make the violations by BOA right by enforcing the government regulations stipulated for them to receive the funding to help homeowners move forward in good faith. Immediately have my ex-husband removed off of the loan that I received through the DOJ forgiveness modification program. I worked with XXXX XXXX XXXX and his team from XXXX XXXX. The DOJ forgiveness loan modification was sent by XXXX XXXX for the BOA Home Loan Team. The ordered substitute trustee was XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

Navient has repeatedly and frequently called my place of employment after being told by my employer that I may not receive any calls outside of emergency calls on this line. I removed this number from my account information, although I do not know how they even got this number as I never give it as a contact method, and they still continue to call my place of employment up to XXXX times a day.
Product: Debt collection

I was not given any notification that this medical bill was going into their collections and would not have known this, unless I had not been monitoring my credit scores at the time. This deliqent mark on my report ( given to all XXXX major credit companies ) dramatically effected my score.
Product: Consumer Loan

I have a car loan through Santander Consumer USA, I have had several deferments on my loan to get caught up. I also had my car repossessed without notice. I was advised in order to get my car back I would need to at least pay my car note payments current. Which I did. Since then have made my payments on time, however my interest amount and balance have only seemed to go up. I then called today XX/XX/XXXX to find out why if I just made a payment yesterday did my balance not go down nor my interest. I was advised I made a partial payment XX/XX/XXXX which has carried over. I first spoke with agent XXXX, then to Supervisor XXXX who informed me of this. I asked XXXX if my car was taken and I paid my car notes current, as well as had several deferments since XX/XX/XXXX do I have a carry over balance. XXXX first explained deferments only carry over the exact payment and nothing more. I advised him I was not informed of this in writing nor by the agent at the time of agreeing to the deferment. He then advised when I was told to pay my car note current to get my vehicle back that I was given a lesser amount. I again explained to him I was not aware of that and only paid what I was told, pay all car payments current. He said that is how it works and he can do nothing about that. I was also charged fees XX/XX/XXXX and no one can explain why. I have had this car since XX/XX/XXXX and my balance has only went up and not once has it went down. When I first spoke with XXXX I asked her why would my entire payment go to interest which she advised, she stated that from XX/XX/XXXX - XX/XX/XXXX I accrued {$530.00} in interest and she did n't know what the interest balance was prior to me making my payment. She told me to calculate myself each month on what I would be paying in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$380.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sezzle is reporting to the credit bureau that I owe them a monthly payment of 1500 dollars absolutely destroying my debit to income ratio
Product: Debt collection

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX   on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2023 and cc it to this agency and also to real pages and leasing desk as we'll as Experian, regarding and incomplete and inaccurate eviction that they all are currently reporting to my file this information has hindered me from obtaining residency, the reason this information is incomplete and inaccurate is because the report which is attached has no eviction balance reported in addition there is no data that supports a judgment of eviction that has been found again public record, I requested that this information be removed and or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : XXXX XXXX  XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX. XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : EXETER FINANCE LLC Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own behalf, no third party is involved. This company, Equifax, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries on my report Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card account 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 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The default payment method on my PayPal account is my checking account. It appears PayPal overrides that setting and sets PayPal Credit as default in another section of their website and charges new purchases to the credit account without the customers knowledge. I thought my purchase costs were going to my checking account. PayPal refuses to correct this error. They have charged my account an outrageous amount of interest for years during their shady practices. I believe they've charged the credit account with purchases I didn't authorize. I've never been late with a payment yet they charged me a late fee. All my calls to them went on deaf ears. They've been doing this to me for a long time and I never noticed until now. I feel hopeless and victimized. Please help me. I'm a single mom and cant afford to be I this much debt. I want and need my money back.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

Our mortgage is serviced by XXXX. Our mortgage originated in XX/XX/XXXX with Fairway Mortgage. This complaint is concerning Fairway. During the service transfer process, Fairway provided XXXX with an incorrect and outdated HUD Disclosure, causing our monthly loan payment to go up {$200.00}. Thankfully, I am a consumer protection attorney and spent the last year working specifically with mortgages, so I was able to ascertain that the issue was with Fairway and the incorrect HUD Disclosure. I was able to provide XXXX with our correct HUD Disclosure and, as of this moment, they say that they will handle it. Fairway, however, failed to provide XXXX with a complete file on our loan for the service transfer audit, as they are required to do in compliance with CFPB rules. I believe that I have taken care of the complaint and the CFPB does not need to take any action at this time, but I would like the CFPB to be aware of Fairway 's negligence in providing proper and complete documentation during a service transfer. Thank you.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX ( ADDRESS ON ACCOUNT IS INACCURATE ), Account name : XXXX XXXX  # XXXX ( INACCURATE INFORMATION ), Account name : XXXX  XXXX # XXXX ( INACCURATE INFORMATION ), has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

XX/XX/17 I transferred {$21000.00} to Coinbase Inc to be deposited in my account. I received an automated response that it would be delayed by 2-4 days. My account has still not been credited for the amount after 12 business days. I submitted 2 support tickets, and reached out to other representatives and still have not heard anything back. 
Coinbase support ticket # XXXX
Product: Debt collection

I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from B of A proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Product: Vehicle loan or lease

Was leasing vehicle. Purchased vehicle using financing. Was told that I didnt need to change anything from a payment perspective. Auto pay would remain. Turns out that I actually needed to set up auto pay again. Missed first payment because of this.
Product: Money transfer, virtual currency, or money service

XXXX XXXX is working with several coin companies on pump n dumps and costing americans billions of dollars by the day scamming people with pay to play tactics. i can send you more proof plus my XXXX login. So far hes pumped XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the XXXX XXXX XXXX XXXX Navient failed to perform their obligation to respect and protect my privacy. Navient failed to provide me an adequate opt out notice and Ive NEVER granted Navient any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Navient actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navient breaking under the Fair Credit Reporting Act, Truth in Lending Act and XXXX XXXX XXXX XXXX, I am demanding Navient to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Navient is required to comply with this opt out notice upon receipt and comply with the follow
Product: Student loan

Account # : XXXX Loan # : XXXX This was a private loan that I received to attend to a XXXX college ( XXXX ). The school is now closed and I am requesting that Navient discharge this loan under " closed school discharge '' program.