23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated in   XXXX   from   XXXX   XXXX   XXXX  . I had to apply for  XXXX   XXXX  "   XXXX   XXXX   loan '' for half of my loans I took out during school because they were the only ines I qualified for. I paid the interest off in monthly payments while I was attending. The payments were on an automatic deduction and took out every month. However, when I graduated they stopped my automatic deduction payments and then tried to charge me a late fee because I did n't pay on time. I asked why they stopped my payments and they said they expired for some reason and I needed to start them again. I was fighting on the phone with customer service so many times and called so many times because they kept messing up my loan payments that I was automatically transferred to management everytime I called which did n't really help much either. Over time when I started working as a  XXXX  I was able to make higher loan payments. However, everytime I paid over the minimum payment, they never applied it to the loan. They only took out the minimum payment so they could charge the interest fee on it. I called and asked what was happening to my payment, the money that I paid extra on? They replied that if you pay over the minimum payment the extra money goes towards next months minimum payment. They call it " pay it forward '' so I asked, I 'm never going to be able to pay extra on my loan to pay it down quicker? They said I did n't specify that I wanted to do that so all the extra money I 'm paying a month is going towards future minimum payments.   I was tired of dealing with     XXXX   XXXX    , which is now navient, and went to my credit union and explained my situation. I asked to take out a private loan to pay off my high interest rate student loans. I qualified and they asked for an address to mail the check to navient. I called customer service and they would n't give me an address. My bank called and searched navient website and they too would not give an address. My bank ended up transferring the menu into my account and said they would be able to see when I made the payment to navient on the website.   Very frustrating with the whole process.
Product: Debt collection

I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in XXXX  days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff XXXX weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is XXXX XXXX XXXX on behalf of XXXXXXXX XXXX XXXX XXXX XXXX. I just want to be done with Bank of America, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are alleged to belong to me are false : # 1 XXXX  - XXXX XXXX  - Alleged account belonging to me is in error # 2 XXXX XXXX XXXX XXXX - Alleged account belonging to me is in error # 3 XXXX XXXX XXXX - Alleged account belonging to me is in error
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Product: Debt collection

I have 4 private student loans serviced by American Education Services. 3 held by XXXX and XXXX that was with XXXX and apparently has been sold to XXXX but is still serviced by XXXX. After falling behind on my loans, they were sent to different collection agencies ( XXXX and XXXX XXXX ). I recieved a debt collection letter from these agencies ( XXXX XXXX, XXXX and XXXX XXXX, XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then XXXX continued to try to collect the debts. I then sent them a letter on XXXX XXXX, XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). On XXXX XXXX, XXXX I received a letter from XXXX regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 XXXX loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account was not reporting accurately. I had a late payment on an account that went into a charge off, where I had actually made the payment. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account did go into a charge off and has been paid yet, the dates XX/XX/year> between the credit reporting bureaus are conflicting. I request that the accuracy of these reports be investigated and provide me with verifiable proof with records showing that the account was paid. 
If this information can not be verified, I request that the account become removed from the credit reporting. 
Thank you for your understanding and prompt action.
Product: Debt collection

Proof of debt liability. Equifax must provide documentation confirming liability of debt. 

XXXX Account Number XXXX XXXX Reported Balance {$4800.00} Account Status : COLLECTION
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LexisNexis for failing to properly investigate my bankruptcy records and providing inaccurate information regarding their verification process. LexisNexis stated that they verified my bankruptcy through PACER ( Public Access to Court Electronic Records ). However, PACER does not verify bankruptcy information or provide third-party verification of bankruptcy records. PACER simply gives public access to court records and does not serve as a source for confirming bankruptcy information. 

This misleading statement by LexisNexis has resulted in improper handling of my bankruptcy record, which is affecting my credit report. 

Details of the Complaint : Company Involved : LexisNexis Issue : Improper investigation of bankruptcy and false claim about PACER verification Date ( XXXX ) of Incident : XX/XX/XXXX Bankruptcy Record : - XXXX My Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX My Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX LexisNexis claimed that they verified my bankruptcy ( record number XXXX ) through PACER. However, PACER does not verify bankruptcy records or provide third-party validation. It is only a tool to access public court records, which can not serve as verification. This is misleading and has led to incorrect handling of my bankruptcy status, which could have an impact on my credit and financial standing. 

I am requesting that LexisNexis re-investigate my bankruptcy record using proper and accurate methods, remove any misleading claims from my file, and correct any inaccuracies that have affected my credit report. 

Resolution Requested : Proper investigation into my bankruptcy record using correct verification methods. 
Removal or correction of the inaccurate statement regarding the use of PACER for verification. 
Correction of any inaccurate information or records related to my bankruptcy in LexisNexis ' reporting. 
Supporting Documentation : I am prepared to provide any additional documentation or information needed to assist with your investigation. 

XXXX XXXX : Email : XXXX Phone Number : XXXX Thank you for your attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased this vehicle XX/XX/2018 a few weeks after i got the car i needed a new battery which i had to pay out of pocket with two months later the check engine light came on and i was not able to pass the emissions test so i had to get a one year waiver from the county of XXXX to be able to get my car tags i expressed to the dealership i needed a reasonable accommodation for my XXXX initially purchase upon to better understand the loan terms and even provided proof of my XXXX i was and am only paid once a month and still they set me up on bi weekley payments i feel they took advantage of me with the loan terms i was never offered the gap coverage that they say i declined fast forward a year later my car engine is blown they also sold me a lemon. I have a balance of XXXX and will no longer have this vehicle in my possession
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXXXXXX XXXX XXXX IQ DATA INT IQDXXXX XXXX XXXX
Product: Mortgage

XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  Are just a few of the dates I 've sent Letters of Dispute to Ocwen/ XXXX   XXXX  re : Disputes on several Descriptions on Payoff Quotes. I 've provide d Proof of Payments from my Online ban king with  XXXX  and still had to pay the disputed amounts on  XXXX / XXXX / XXXX  to clear title and close home without going into  Breach of Contract for  not closing on time.     The amounts disputed are on the  XXXX   XXXX   XXXX   XXXX   Seller 's Statement : {$3900.00} owed for interest, which, again, I provided Proof of Payments, Escrow advance of {$340.00}, {$600.00} Projected Property Inspection fee, {$270.00} Proof of Claim and adjust double charge on Ocwen paying Property Taxes thru  XXXX / XXXX / XXXX  and closing occurred on  XXXX / XXXX / XXXX  and title company collected for  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX .
Product: Credit reporting or other personal consumer reports

There has been two fraudluent account that have been added to my consumer report which are XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE SECU ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE. 

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION. 

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( XXXX, XXXX, AND TRANSUNION ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX 2. XXXXXXXX XXXX XXXXt 3 XXXX Bank 4.XXXXXXXX XXXX 5XXXX XXXX Bank 6.XXXX 7.XXXX XXXXXXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Product: Debt collection

THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. XX/XX/XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE XX/XX/XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
Product: Mortgage

Apparently, the mortgage company Caliber Home Loans is confused as to what I am requesting. 

I requested a Qualified  written request for accounting pursuant to the Real Estate Settlement Procedure Act, to XXXX, XXXX, XXXX had failed to provide a copy of pay history log and the servicing log required under Real Estate Settlement Act. 

When XXXX XXXX XXXX transfer my home loan to Caliber home loan, XXXX should had transfer the request for a Qualified Written Request/ Real Estate Settlement Procedures Act ( RESPA ). 

The information Caliber home loan responded to, it doesnt address the real issue that started this. 

It is almost as if XXXX and Caliber home loan is saying, though you are an XXXX XXXX   XXXX, therefore, we or not obligation to provide that information to you. 

A failure to provide information regarding a loans is a violation of the Fair Housing Act. 



Please call me at XXXX if you have any question.
Product: Student loan

I was told over a year and a half ago that my loans were under investigation for fraud because the school closed down while I was attending because they were stealing money I stopped paying my loans because I was told I did n't have to by teachers working at the school it has impacted my credit score tremendously and I can not buy a home with this on my credit score since I was XXXX I have been dealing with this horrible credit score because of missed payments I contact financial aid I contact navient and no one helps me
Product: Debt collection

I RECEIVED COLLECTION LETTER FROM SENTRY CREDIT INC AS KNOWN AS XXXX XXXX XXXX XXXX NO XXXX LLC. COLLECTING ON A FRAUDULENT ACCOUNT WITH XXXX XXXXXXXX XXXX XXXX 

I SPOKE WITH SEVERAL REPRESENTATIVES AND MADE THEM AWARE OF THIS SAID MATTER AND EXPLAINED TO THEM THAT IS ACCOUNT IS A RESULT OF FRAUD AND WAS OPEN OVER XXXX AGO AND THE ORIGINAL CREDITOR WAS INFORMED ABOUT THIS ACCOUNT BEING FRAUDULENT OVER XXXX AGO AS WELL.
Product: Debt collection

Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me. 

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation
Product: Credit card or prepaid card

I had XXXX XXXX XXXX credit card from FNBO ( first national bank of Omaha ) bank. The card has a benefit of {$100.00} credit for XXXX XXXX application every four years when applying XXXX XXXX program using this card. 
I applied XXXX XXXX on XX/XX/XXXX. The charge posted on XXXX XXXX. FNBO refused to credit {$100.00} after several months ' communication ( called several times, first stated will have to push the credit thru manually, recent call just simple stated the charge does not qualify. 

The charge from XXXX XXXX application : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law, Equifax had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. stating that your investigation was complete and the items listed were Verified. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. The information was not supplied in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXXXXXX 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 Equifax
Product: Mortgage

At the time of the loan transfer in XXXX XXXX, I requested to pay the property taxes annually. Many months later it could still not be resolved. This issues has continued as our mortgage was sold from XXXX to Nationstar to Mr. Cooper. On XXXX XXXX, XXXX, a CFPB complaint about payment amounts due to switching onto the annual plan and new company was resolved and I was told that I could switch to paying the property taxes annually. My new escrow payments were based on paying annually. On XXXX XXXX, XXXX I emailed the previous CFPB resolution attachments to Mr. Cooper staff showing that the taxes were paid semi-annually, when they were  supposed to be paid annually and that my money was sitting in the escrow account in a surplus. I was told it would be resolved, then told the county said I ca n't switch, told numerous times that I would get a call back and this would be resolved. Every time I have called the county they told me it is illegal for my insurance company to deny my request to pay annually and offered to do conference calls, finally I was told I had an option to go pay the taxes myself and request a surplus check from the mortgage company. I want to be put on the annual property tax payment plan. It should not take 2.5 years of mortgage companies making interest on my funds and refusing/lying about switching my tax payments. I was told that if I paid the {$1000.00} shortage and had a county bill with the annual tax amount, I could be switched to the annual payment. I paid the shortage in XXXX and in XXXX XXXX, I just a refund check for the surplus instead of paying the taxes. I was told that my request was denied by a supervisor on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against HSBC Bank, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and HSBC Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

HSBC Bank, XXXX XXXX XXXX sold the charged-off account to XXXX XXXX  XXXX XXXX Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX 

When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to HSBC Bank, XXXX XXXX XXXX.