23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My ex wife and I took out a Signature Student Loan from XXXX XXXX ( now Navient ) on XX/XX/XXXX for {$27000.00} so that I may attend classes at XXXX XXXX in XXXX, VA. 
Throughout my attempts to repay the loan, Navient would take the bulk of my monthly payment and put it towards the interest on the loan and apply very little ( and in some instances, absolutely nothing ) toward the principle -- -basically keeping me in financial indentured servitude. 
When I would fall behind on my payments, I was always steered toward forbearance which increased my monthly payment amount and basically postponed the inevitable-not being able to keep up with monthly payments. Repeated and urgent requests for fairness in the form of payment reduction and refinancing the loan were immediately denied. 
This loan, which is now more than 9 years old, now sits at {$28000.00}. 
Please note that XXXX XXXX closed it 's doors inXX/XX/XXXXand had several Class Action Suits filed against it as they took the tuition from students who were not allowed to complete their courses. In addition, those of us who had graduated were denied the lifelong career planning and placement which was promised as part of our tuition. 
XXXX XXXX, now Navient, was the only lender available to the students at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report, i realized a medical bill for services, I'm never received. Ive never done busniss with XXXX XXXX XXXX or entered into a signed contract with this company. The account is fraudulet, please see attached ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by XXXX letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, XXXX   XXXX. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

In XX/XX/XXXX, I had XXXX and was charged by XXXX for an outstanding bill ( {$4200.00} ). I was wrong by not going to court when Pressler & Pressler sent the summons to appear. In XXXX XXXX until XXXX XXXX, they garnished my payroll check in a total sum of ( {$1600.00} ). I tried calling to set up payment arrangement and their staff member told me unless I pay {$1000.00} then, they would not set up arrangements. The judgement then went on my credit report. On XX/XX/XXXX I called to clear the judgement and was instructed the amount was ( {$2600.00} ) which I paid on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owe another {$240.00}, because of interest rates. I called and they would not give me a statement showing the break down of fees, from XX/XX/XXXX until now. I had to pay the {$240.00} because I am in the middle of a mortgage loan. I do n't understand how you are told XXXX cost and then they add other fees after I make the payment they requested. This is unfair. How do I get a break down of my statement and fees. I am an XXXX so to pay extra is not what I do without proof. I also tried to settle and they said XXXX would not take my settlement, but did not provide paperwork to prove that the settlement was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. A am a victim of Identity Theft and have filed a report with the FTC.

2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX  today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX  and Equifax indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the files requested by Experian by mail and fax to dispute the inaccurate reporting they continuously allow. An FTC report was submitted, a 609 dispute letter was submitted, as well as a verification of investigation dispute. According to the Fair Credit Reporting Act, federal law gives ( 30 ) thirty days to re-investigate and delete any inaccurate or unverifiable information. Experian has exceeded the allotted time to handle this inaccurate reporting and hasn't handled the manner in a professional or legal manner.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I purchased a computer from XXXX XXXX XXXX XXXX, Wisconsin. The company used XXXX for its customer financing. My loan was shopped to several companies, including XXXX, XXXX, KRW Associates, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and more ). I  made the downpayment and monthly payments through XXXX. I have been receiving debt collection calls for a LEASE from KRW Associates after making {$930.00} in payments against a debt of {$1100.00}. I did not take out a lease, I applied for a loan. None of the paperwork that I was provided at the time said anything about a lease, or anything about KRW Associates being the backend loan provider for my purchase. In addition, when I looked up KRW Associates online to contact them, it is an Executive Search firm and a payday lender out of XXXX, NC. My purchase loan application made through XXXX XXXX  XXXX  XXXX  was transmogrified between these companies and KRW Associates, without the information being communicated back to me until now -- nearly a year AFTER I made the purchase. In addition, emails from KRW Associates that should show what I owe will not open on any computer or mobile device - it is as if they send corrupted electronic communications to hide what was being done. It wasn't until after I missed a payment that I got any notification that KRW was attempting to collect on a LEASE. This is a bait-and-switch fraud and KRW refuses to fix the account or work with XXXX or XXXX XXXX to clarify they had intended for my purchase finance to be a lease ( which is why I am now making this complaint ). I have attempted to fix this on my own for two months now, and am at a loss.
Product: Mortgage

I lived in the home at XXXX XXXX XXXX, XXXX, OH XXXX. I was given an additional 30 days to be out of the garage of my old home.
Product: Student loan

ACS was my loan servicer I believe from XXXX to XX/XX/XXXX. My balance was consolidated of {$58000.00} and I had transferred to a new servicer XXXX. I had wanted to get into a forgiveness plan because I thought it would be good for me. 
When I had spoked with a customer representative from XXXX twice in XXXX. I had to pay {$71000.00} I could not understand why so high? I did not think much until I heard about XXXX being sued. I had wanted out of XXXX and wanted to go back to ACS. It would not be a good idea because I may have been charged a higher rate. I need to find out why ACS charged the high rate.

I had tried calling ACS but they could not find my information. I'm not sure since the name has changed.
Product: Debt collection

Client works for XXXX and has a very high deductible plan. 
She suffered an accident at work on XX/XX/year> and her employer took her to an XXXX XXXX, which left her with a {$2400.00} bill after the deductible was met. 
Client does not believe she should be paying this, since this was a work accident, and she had very little to no knowledge to where they were taking her. 
Client is farily knew to the country and barely speaks XXXX, think they are trying to take advantge of her. 

The XXXX branch she used to work for is closed, and her current HR claims they can not do anything since this all happened at a different locations and the system does not have any of this information saved. 
Client came in for financial counseling and she is barely making ends meet, and can not afford to negotiate with the collections agency. 
Client is also XXXX and has no prospects of working at a second job
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent certified mail a Debt validation letter requesting the following, which under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled too : I dispute the validity of this debt and request that you provide me with the following information to validate it : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Proof of the agreement or contract between the original creditor and myself.

4. Proof that you are licensed to collect debts in my state.

5. A complete payment history, including the dates and amounts of all alleged transactions. 

I've also sent another Validation Letter on XX/XX/XXXX, and to date have not received any information. The company has also been instructed to cease and desist any communication until such time as the debt been validated. From XXXX XXXX XXXX, I have received 14 calls from the company and multiple times a day. I even answered and explained there is a cease-and-desist letter, which they're in violation of. 

There are numerous violations and lack of cooperation on behalf of XXXX.
Product: Credit reporting or other personal consumer reports

This is related to : ID FOR COMPLAINT SENT TO CAPITAL XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO EQUIFAXXXXX ID FOR COMPLAINT SENT TO XXXX I called the bureaus today ( XX/XX/XXXX ) to check on the status of my disputes but they're saying that they did not receive my complaints. I checked my CFPB report status today and it says here that the companies responded to my complaint. How is it possible that they responded to you but when I spoke to them, they're saying that I don't have any open complaints? This is just unacceptable. I am victim of identity theft and I'm afraid that the person or people behind this are getting away with their crimes freely and you are not taking actions to protect me and my information.
Product: Student loan

For the past two weeks I have tried to get them to postpone payments as I have no money. I am a XXXX ill shut in and havent worked since 2009. I can not verbally communicate so I emailed them off their secure website 4 times and they have not replied once. Now my payment is late. I need help. Please.
Product: Mortgage

In XX/XX/XXXX we took out a HELOC from Bank of America for {$140000.00}. Our monthly payment was approx. {$320.00} because it was interest only for 10 years. When we took the loan out, no one from the bank told us it would be called after the 10 year period until we got a letter from the bank saying our payment would now be approx. {$1200.00} starting in XX/XX/XXXX. That payment was simply to much because our first mortgage was already {$2800.00} per month plus the other bills that are paid each month. 

We contacted Bank of America two times to get this loan modified. Once in XX/XX/XXXX and again in XX/XX/XXXX. We sent the necessary paperwork requested by the bank two separate times. XXXX XXXX said that they received the paperwork and would hear back from them on their decision. The bank sent a lettter to us that listed 8 reasons why we did not qualify for a modification. The monthly payment would remain at the approx {$1200.00} p/month. So, we had no choice but to stop paying the HELOC in XX/XX/XXXX. 

A short while later, Bank of America totally ruined our credit and put a lein on our home. They were so hard to work with because they would switch dedicated customer service representatives so you really didnt know what they were doing through the whole process.

This is how Bank of America treats their customers of 25 years.

Many customers have had their HELOC extinguished and we want the same forgiveness of our loan as they received, our credit repaired and the lien on our home lifted. We are senior citizens now and can not meet the banks request to pay the entire loan.

While trying to work with the bank on the modification we did not qualify for, we talked the customer service representative and asked when we would get a decision for modification.

Thats when we were told if you get a large envelope in the mail, its probably good news.

If you get a regular envelope in the mail, its probably not good news. We then received the letter with the 8 reasons why we didnt qualify for a loan modification. 

Please help in this matter to get the loan forgiven and remove the lien from our property at XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX.
Product: Student loan

A lawsuit was filed and won with the XXXX XXXX schools for misconduct. My federal loans were approved for discharge with the XXXX XXXX XXXX and deleted however, Navient is providing me no opportunity for discharge with my XXXX  XXXX Private loans nor any information or help when I contact them via phone. My loans have doubled what they were because of high interest rates and I have been paying them monthly for years with no end in sight. They are rude on the phone when I ask for help and refuse to give me my available options for a school that is now closed. They continue to demand payments from me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds.This situation raises concerns about consumer laws, and I request your assistance investigating this matter to ensure my rights are upheld. Thank you
Product: Student loan

I initially applied for the Public Service Loan Forgiveness Program in the fall of XX/XX/XXXXwhen I graduated and began working. It took nearly an entire year for FedLoan Servicing to approve my application, then several more months of delay as they encouraged me to apply for a forbearance while I " just wait '' on them to approve an income driven repayment plan. In that time when I could have been making qualifying payments toward the PSLF program, I instead was told to " wait '' and essentially have wasted months when I could have either gotten credit toward the program or at least kept my overall debt from ballooning.
I initially applied for Direct consolidation for the PSLF program repayment requirements onXX/XX/XXXX. After following up several times, I received an update from them on XX/XX/XXXXthat my request was " still being processed. '' I followed up again with questions about the delay onXX/XX/XXXX with no sufficient explanation as to the delay.
My request was finally processed onXX/XX/XXXX - a total waste of 7 months that I could have been in repayment toward the PSLF program or at least paid the interest amount ( which they discouraged me to do ).
It took until XX/XX/XXXX ( over another year ) for them to acknowledge receipt of my additional income-driven repayment plan documents, which they requested. I am currently STILL WAITING for them to let me know what my monthly income-driven payment amounts will be for the next year. They sent an update on XX/XX/XXXXstating my income-driven repayment re-certification request will be processed after my " current schedule '' is generated on XX/XX/XXXX As of today ( XX/XX/XXXX ), I am STILL WAITING.
I have called and emailed numerous times to follow-up. The only responses I have ever received are " just wait '' or " it 's being processed. '' Meanwhile, I have been working at a qualified employer for over 2 years with only a few months having been counted toward the PSLF program, and now my payment credits are AGAIN being delayed due to " processing. '' I have been unable to get an answer from anyone every single time I have called customer service as to why it takes nearly an entire year for documents to be reviewed.
In one instance, after calling more than 5 times for confirmation they received my uploaded documents, I was told the page I submitted was somehow mysteriously blacked out across the bottom 1/3 of the page so they had not been able to process it but failed to let me know this. This was the excuse given to me despite the fact that I had confirmed their receipt of the document, in it 's entirety and that it was readable, nearly 4 months before this happened when I first submitted the document.
I fully believe FedLoan Servicing is engaging purposefully in deceptive and fraudulent practices to delay forgiveness timelines, discourage borrowers from actually paying toward the debt to increase overall interest accumulation, and giving consumers the " run around '' when they actually try to manage their debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and recently discovered that fraudulent accounts were opened in my name without my authorization. I have already reported this issue and need immediate assistance in ensuring these accounts are removed from my credit report. 

Details of the Fraudulent Accounts : XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$4800.00} Affirm Inc Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1500.00} Requested Actions : 1. Investigate and facilitate the immediate removal of these fraudulent accounts from my credit report.

2. Ensure the creditors comply with the Fair Credit Reporting Act ( FCRA ) by blocking and deleting these accounts as they were unauthorized. 
3. Confirm that I have no financial liability for these fraudulent accounts.
Product: Debt collection

This company has received my personal information from XXXX XXXX XXXX in which i have never owed them money. XXXX has now stopped contacting me but are using Halsted Financial to contact me thru text message constantly. This account originated from XXXX XXXX, XXXX in which case it was charged off. XXXX XXXX has failed to send 1099-C to me or IRS in which case this is now in violation of law. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. It said i owe {$1200.00}