23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I worked on a XXXX XXXX, my information ( and my wife 's and kid 's ) was compromised in the Equifax breach. As a result, I froze all three credit bureaus. 

Recently, my wife and I decided to purchase some property and so needed to unfreeze our accounts. Unfreezing our accounts with XXXX XXXX and XXXX  was simple. But Equifax would not let me log in with my password and unfortunately I do not have any record of the PIN that claimed they sent me at the time. 

So I tried calling to unfreeze my credit. I have called three times and in every instance they were " unable to verify my credit '' due to what are clearly communication issues with the people on the phone ( for whom English was not their first language. ) Their verification process consisted of multiple choice questions that were difficult to hear and understand. I don't use a lot of credit, so the questions especially didn't make sense. Most recently, they said they could only help me if I could tell them the exact month that I froze the account ( years ago ).

As a result of failing whatever their protocol was, I was told I had to physically mail in documents to verify my identity in order to request the freeze be removed, which I did. Twice. The first time, I temporarily unfroze it. The second time, I unfroze it permanently. I also asked them in my correspondence to please restore my online access so I could manage my own account. I received two letters from them saying my credit had been unfrozen. But despite my requests, I have received nothing about how to restore and access my account online. 

Today, at the bank I learned that my account is still frozen, so I can not access my credit. What's more, they have not restored my online access nor given me a way to do so, despite me sending them overwhelming proof of my identity. They are now jeopardizing our ability to access credit. And I am left with no alternative but to call them again. 

I have spent hours on hold and then talking with these people without satisfaction and there is no other alternative. I don't know if they have inaccurate information in my file or if I am just not understanding them or if what they are asking for is just so obscure that I don't know what they are talking about. But either way, they are holding my credit XXXX. It is absurd that they have that kind of power and the consumer can't do anything about it. 

I have paid my bills on-time my entire life. Yet, despite having substantial assets and a high credit rating, my wife and I are unable to access credit because of the the incompetency of Equifax.
Product: Student loan

I spoke with Navient on XX/XX/XXXX, requesting to lower my payments. I was offered a graduate plan for {$190.00} per month. I was told that due to a system error the changes could not be made on XX/XX/XXXX. I was instructed that my loan was forwarded to the technical department to correct the error message. It was stated that the plan change would take plan in a few days. i was also instructed that one of my loans was paid ahead up until XX/XX/XXXX and the loan due date would need to be changed to XX/XX/XXXX before the graduated plan started. As of today, XX/XX/XXXX I am still waiting for the graduate plan changed to lower my payments. I told that the error message " remove auto-payment '' is still on my account and I must continue waiting until they can resolve the technical issue in their department. Also, I don't have auto-payment on my account. This error will affect my credit bureau and also my daily interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX all the way to XX/XX/XXXX there has been credit card action in my name that I did not approve of and have no knowledge of is there any way that your company can help me get my credit back up and dispute all negative action that damage my credit. 
The available credit was {$200.00}, The highest balance {$420.00}, Date account opened XX/XX/XXXX, Date account closed XX/XX/XXXX, There was no action taken by capital one for some reason they could not help me.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no clue why they are there. I check my report regularly, but today there were issues that appeared out of nowhere. I even tried refreshing my browser, hoping it was just an error, but the inquiries didnt disappear. This is extremely frustrating, and I need the documents Ive provided to be thoroughly reviewed so this never happens again.
Product: Credit card or prepaid card

I have tried to dispute a charge from XXXX in the amount of {$220.00} on my Capital One Credit Card, due to XXXX refusing to release tickets to me that I paid for. I filed a complaint with Capital One in XX/XX/XXXX. I submitted documentation the first week of XX/XX/XXXX showing where XXXX decided to lock me out of an account due to a chargeback from a different account and credit card company, that had already been resolved. Months later Capital One still had not rectified the issue so I spoke to someone around XX/XX/XXXX who stated they would be mailing me a document that would explain the next steps I needed to take. I never received the document so I called Capital One again on XXXX XXXX and spoke with a Fraud & Dispute Account Manager named XXXX  ( XXXX ). According to him the only thing I could do was send in documentation showing that XXXX credited my account. If I had received a credit from them why would I be filing a dispute? XXXX stole money from me by not giving me a product I already paid for, and Capital One is acting in cohesion with them by refusing to dispute the charge. After months of dealing with the back and forth from Capital One, the account manager basically blew me off and told me to just go ahead and file a complaint since there was no one else there that I could speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX  XXXX, XXXX/XXXX. I have contacted the police and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount XX/XX/XXXX Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reportedXX/XX/XXXX in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XX/XX/XXXX{$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections
Product: Checking or savings account

On XX/XX/2024, I spoke with three individuals. Two of them worked in the survivorship department, while the other was a manager who initially claimed that there were no profiles of XXXX XXXX in their financial institution. However, after I provided XXXX with proof of insurance through USSA with XXXX XXXX 's name on it, the USSA coverage was canceled. XXXX 's story then changed when it was revealed that XXXX XXXX 's checking and savings accounts had been deleted, and it was stated that proof of death certificate and affidavit needed to be uploaded. The affidavit was uploaded on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaints were never even addressed. Experian said it appeared as if I wasn't making the appeal myself so they fully disregarded it. I was making the complaints and I had my ID notarized as proof of my identity. XXXX XXXX  has sold this account that they are reporting late each month. I asked them about it and what could I do to get it off my account. They said they couldn't take the payment because it has been purged from XXXX and it is no longer with them. This is inaccurate information they're reporting, they are saying I'm late each month on whatever account this is, and they are refusing to take payment so that I can remove it. They said for me to contact an outside company to take care of it. XXXX XXXX  sold the account and they were paid for it, received a tax write off for a loss, and now they are attempting to get paid again from me. I requested who should be paid and they said XXXX XXXX, which directly contradicts XXXX XXXX  saying I'm not paying them.
Product: Checking or savings account

On XX/XX/XXXX, my social security was deposited and XX/XX/XXXX, I went to the branch at key bank to withdraw the money and the agent said my account is closed, and had arguments about my money that under the law KeyBank doesnt have the right not to give me the money, I had went to another branch and had asks for my money because I needed it, telling me the same closed account and the money was returned, so I called the social security and they said its the money is there, so I have the social security talk to the key bank teller. and notified me that my account was closed, So i really need you to contact them immediately because its my 2nd time they done this to me, holding my social security, I had letters coming from the fraud department that I can reopen a new account but that money deposited already in new account number, So now after 7 days I finally got my money, to my new account at XXXX XXXX XXXX. and this bank account I have been so happy and XX/XX/XXXX my social security was deposited and same day I withdraw cash with no problem, I really want you to contact this bank because, I felt like racism is involved because they are not very nice people, especially that bank in the city of XXXX XXXX, so rude, holding my social security,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Default Payment -? balance XXXX on account XXXX Dear CFPB I am writing to request your help in relation to my Credit Report. There has been a wrong information put on my credit file by XXXX. The have reported a default payment as describe below. 

Account Number or other information to identify account : balance XXXX on account XXXX dated XXXX XX/XX/XXXX Explanation of item being disputed : o The XXXX report shows I currently owe money to XXXX telephone company that I have already repaid. I am attaching 24 month bank statement with highlithed direct debit payments that have regularly been made to XXXX. I bought a phone contract from XXXX in XXXX and a direct debit was set up from my husbands account and regular payments were made but XXXX has incorrectly reported as default payment o I have sent emails to Experian XXXX XXXX back in early XXXX and I still have not received any support from Experience o I am attaching 24 bank statements, credit report and some additional documentation o I have been in contact with XXXX since XX/XX/XXXX with the XXXX company but they have not rectified the information. 
o Im currently buying a house and this incorrect default payment has been affecting my credit negatively and as a result I have been given offerd a 6.64 % interest rate. 
o I have also raised a complaint with XXXX but with no response/resolution. 

Can I kindly request you to help me in this matter so I do get justice. Im sure XXXX has breached my customer rights. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told if I paid the collection amounts in FULL, that the creditor would remove the collection accounts from my credit report. I paid the total amount in full on XX/XX/18 in the amount of {$630.00}.
Product: Credit reporting or other personal consumer reports

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 Subject : Request for Enforcement Against Equifax for FCRA Violations Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax is in violation of 15 USC 1611, which pertains to criminal liability for willful and knowing violations, as well as 15 USC 1681, which focuses on the accuracy and fairness of credit reporting. 

Specifically, I have discovered that Equifax has reported my XXXX XXXXXXXX XXXX XXXXXXXX account on my credit report, which unlawfully reports my transaction history. Under the FCRA, it is illegal for credit reporting agencies to furnish information that is not accurate or fair, and I believe this inclusion constitutes a clear violation of these legal standards. 

I kindly urge the CFPB to investigate this matter and enforce the necessary actions to compel Equifax to remove XXXX XXXX XXXX XXXX account from my credit report. The continued presence of this account is adversely affecting my creditworthiness and financial standing. CFPB this account has been reporting my Transactions, Experiences for over 3 years. THE LAW CLEARLY STATES TRANSACTIONS ARE ILLEGAL. 

Thank you for your attention to this important matter. I look forward to your prompt action and response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX I want you to review this account, for it's reporting late payment even if the account is closed already it has also " dispute resolved '' please remove all the late payment remark and stop reporting on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX XXXX Accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am disputing the collection account with MIDLAND CREDIT MANAGEM, account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that MIDLAND CREDIT MANAGEM provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

According to Law FRCA section 605b, It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX  XXXX Balance : {$3600.00}
Product: Checking or savings account

Navy Federal has been charging illegal overdraft fees and fines and I am also not receiving zelle money thats been transferred to me
Product: Mortgage

Per Mr. Cooper representative, XXXX XXXX, XX/XX/XXXX @ XXXX mortgage payments in Forbearance will be added to the end of the loan. XXXX said someone will reach out to me before Forbearance ends to discuss whether I need to continue Forbearance or can resume payments and all missed payments would then be added to the end of the loan. Now that the Forbearance has ended Mr. Cooper is saying payments can not be added to the end of the loan and my investor does not allow modifications. Mr. Cooper did this same thing to me during the height of COVID and on XX/XX/XXXX was found by XXXX to likely have violated the Consumer Loan Act of deceptive practices. 

Also, Mr. Cooper has started the foreclosure process and on the FORECLOSURE LOSS MITIGATION form - Declaration Pursuant to XXXX XXXX- they taped to my door, a box was checked saying they contacted me to assess the borrower 's ability to pay and the borrower responded but did not request a meeting. This is false. The only correspondence I received from Mr. Cooper regarding my ability to request a meeting was in XXXX of XXXX. So I sent a letter via certified mail with a return receipt requesting said meeting and never received a response from Mr. Cooper and so the meeting was never granted even though someone from Mr. Cooper signed the return receipt acknowledging receipt of my request.