23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX University in XXXX, XXXX and XXXX, XXXX. 

I did n't receive enough federal loan money to pay for college, so I had to turn to private loans if I wanted to pay for my education. My college 's financial aid office did nothing to help me understand federal and private loan borrowing, but recommended I take out loans with XXXX XXXX ( now Navient ). This was quite possibly the worst advice they could have given me! 

I was once told that I could release my co-signer after two years of consecutive, on-time payments. When they told me this, I informed the cust. service agent that I wanted to go through with releasing my dad from my loans so she set me up with a new monthly payment in order to be eligible to release my dad as a co-signer in two years. So, you better believe that I made my payments, in full, on time, for two consecutive years. After two years had passed I called in to request my dad off my loans. This time, the cust. service agent told me that in order to qualify for the co-signer release I needed to make principal + interest payments. I told them that I thought I WAS making principal + interest payments because that 's what the cust. service agent told me two years ago when we set all this up! After what felt like forever of begging and pleading with them to allow my past two years of payments to count towards the co-signer release, I finally hung up the phone, exhausted and so completely hurt. They straight-up LIED to me! I had worked so hard those two years to make my payments giving up so much along the way. My dad wants to retire soon but is scared that if anything happens to me that he will be on the hook for these loans, so he continues to work. This HUGE lie from XXXX XXXX has put an indescribable strain on our once fantastic relationship. 

Since 2010 I 've been paying between {$580.00} - {$700.00} per month of interest only payments. I originally took out XXXX loans totaling {$66000.00}. My loans have now increased to {$95000.00}. I 'm told that I will have to move to a graduated repayment plan since I 've expended the interest only payment option. I struggle to make my {$580.00} payment now, I have no idea what I 'm going to do when my monthly payment goes up. 

XXXX XXXX ( Navient ) has been the worst lending company I 've EVER had to deal with. I have had problems with everything from mismanaging my payments, to yelling at me on the phone when I could n't make my enormous monthly payments because I did n't have a job or was n't making enough money to live. They have lost checks, not informed me when accounts were transferred to new servicers and misapplied payments between my XXXX loans ( which incurred fees ). Not to mention, every time I call into XXXX XXXX it takes an average of 45 minutes to get my issue " resolved ''. I also have a hard time understanding the cust. service agents when I call into XXXX XXXX. All of this makes working with XXXX XXXX extremely difficult. 

I got an education to better my life but have yet to live my life because I ca n't afford to. 

Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( credit card co ) charge off the account and came back on my credit report as XXXX XXXX XXXX it was charged off twice under 2 names now their back as XXXX XXXX XXXX
Product: Mortgage

My wife and I purchased our home on a XXXX loan. We were required to get title insurance and went through First American Title. A few years went by and we got a letter from XXXX XXXX saying our property was illegal. We tried to request that First American Title get involved since they we pay them for title insurance. They refused to help and we were stuck with the legal fees of defending our claim. I dont get why we pay them for insuring our title and they wouldnt represent us.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record XXXX XXXX!! I am not Mr . XXXX!! The statement you sent me with a balance and a hospital name IS NOT VALIDATING A DEBT! HOW YOU ARE A LEGAL COMPLIANCE ADMIN AND DONT KNOW THIS??? You did not send me an itemized bill and an itemized bill is NOT A VALIDATION! This debt does not belong to me and needs to be removed! Commonwealth HAS NO VALIDATION that it does! I have a RIGHT to force this debt collector to prove sufficient validation that I owe this debt. Debt validation is MY federal right granted under the Fair Debt Collection Practices Act. If a debt collector can not verify a debt with sufficient proof they can not collect from me and can not list the debt on my credit report. I have attached what commonwealth has sent to me THIS IS PROOF COMMONWEALTH CAN NOT VALIDATE THIS DEBT, AND IT NEEDS TO BE REMOVED! Or I will take the next step to seek payment for damages and them violating the Fair Debt Collection Practices Act. I am not and will not pay this debt! AND ITEMIZED BILL IS NOT VALIDATION. WHERE IS MY SIGNATURE? ANYONE CAN TYPE UP A DEBT AND ADD A NAME AND BALANCE. Remove this from my credit as it should, or send REAL VALIDATION! I HAVE RECORD THAT YOU REPORTED THIS ON MY REPORT XX/XX/2019 I FILLED A COMPLAINT HERE XX/XX/2019 LISTING AN ADDRESS IT WAS NOT UNTIL THEN YOU SENT A LETTER, YOU SHOULD HAVE SENT THE LETTER PRIOR TO ADDING TO MY REPROT, HARASSING ME AND XXXX UP MY CREDIT FOR UNDER {$100.00} FOR SOME XXXX XXXX THAT'S NOT MINE! I WILL SEE YOU IN COURT! WHATS ATTACHED IS NOT VALIDATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$590.00}
Product: Credit reporting or other personal consumer reports

I wanted to cancel my membership but was unable to find the option online and had to call a phone number. I had to be charged to even be allowed to cancel, to which the response was the cancellation is non-refundable. It is not fair to not have easy access online to cancel, to have a number that I must call despite me working lots of hours, and then being told the charge is non-refundable.
Product: Credit reporting or other personal consumer reports

Im having two issues with my equifax credit report. Number one is I sent them a copy of two forms of ID to update my date of birth on my online account from XXXX to XXXX. They sent me a letter stating they fixed it but its still showing as XXXX on their website. Second I have a hard inquiry from XXXX on XXXX on my equifax report thats fraudulent because I was incarcerated at this time. I have reached out to the creditor as well as informed equifax and they are both saying they can not fix it.
Product: Credit reporting or other personal consumer reports

I filed a complaint with thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX, but after a month, the XXXX  closed the complaint as unanswered due to XXXX  XXXX 's failure to respond or provide validation of the debt. Your agency also failed to validate this account, and by law, an unverified account can not continue to be reported on my credit report. 

XXXX XXXX violated the Uniform Commercial Code ( UCC ) by repossessing my vehicle without proper notice of default, denying me the opportunity to cure the default, and failing to conduct the sale of the vehicle in a commercially reasonable manner as required by XXXX Article XXXX. Additionally, XXXX Ones business registration in Texas is currently inactive, meaning they lack the legal authority to transact business or report debts to credit bureaus. Their actions also violate XXXX XXXX XXXX XXXX ( XXXX ), as they engaged in an unfair practice by repossessing without a present right. 

Due to these violations and the unverified status of this account, I am requesting the immediate deletion of account XXXX from all credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I opened an XXXX XXXX card to finance some furniture for a new house in XXXX of XXXX. On XX/XX/XXXX, I decided to make the monthly payment from a different account than I normally would. Since the bank of the account I was paying from has different routing numbers for different regions, I contacted the bank to get the appropriate routing number as i do not have checks for this account. A few weeks later I received a call from TD Bank ( the owner of the XXXX XXXX credit card ) stating I was late with my payment. In shock, I asked the representative to look into it, knowing I had made the payment. The payment was returned because the routing number turned out to be incorrect based on my region. The representative CONFIRMED that I had attempted the payment and waived the late fee. 

I called TD Bank today because I noticed ANOTHER late fee on my account that posted on last month 's due date, XX/XX/XXXX, for {$40.00}. I called again to question why a late fee was charged ON the actual due date and they informed me that since the payment wasn't posted to the account until XX/XX/XXXX, the late fee was valid and used the fee ( that was not my fault ) that was waived back in XXXX as leverage to tell me the {$40.00} fee for XX/XX/XXXX is valid and since it was less than 12 months ago, they will not be waiving it. I requested to speak to a supervisor in which the response was " Shes not going to be able to do anything either '' but I asked again to please speak to the supervisor. XXXX, the supervisor, came on the line and said that since it was not an error on TD Bank 's part that the fee in XXXX posted and since they do not provide ANY grace period ( something I was not aware of as well ), that the only way I could have the fee waived is by paying the balance in full. ( The balance is XXXX XXXXif I could pay the balance in full, I would not be making payments ). I repeatedly asked to take the XXXX fee waiver into consideration since it was an honest error and not negligence on my part and was told no. I informed the supervisor that I would be filing a complaint.
Product: Mortgage

I have submitted an offer on the home for a short pay because the home is an underwater loan. I offered to pay the note holder the FULL amount of the appraisal on the property. I've sent letter since last year letting them know I was in financial XXXX and that it was getting harder and harder to pay the mortgage. I was choosing between paying for the home or food on the table. Finally I had to stop paying on the home because the payment was to much. However, if they would have worked with me I have a loan secured to pay the amount I offered which is the appraisal amount. This seems like a good solution to me since it would benefit both parties. I wouldn't lose my home and the note holder wouldn't incur foreclosure fees. I have a loan secured until XX/XX/2021 to take care of this and have told this company numerous times I need to know if this can happen before this date or I will lose my home. I have worked since I was XXXX XXXX XXXX, always had a job and raised XXXX kids. This company is determined to see me lose my home and if it wouldn't have been for this pandemic I don't think this would have ever happen. My whole family had XXXX and we have struggled with the virus and financial problems since the start but I held on as long as I could and instead of helping me retain my home this company would rather see me lose it. I have even told them I have a XXXX son but does that matter. It a sad day in this country when a XXXX dollar company would see a family lose everything it has worked for instead of helping them. I have paid more so much in interest on this loan it's done paid for the money borrowed and then some but XXXX is the new Normal in our country. 
It's not about helping the person that has worked hard all their life. Or to the family that whose husband served in the XXXX to defend their freedoms so they could take advantage of people like me. This company is all about taking and taking!
Product: Debt collection

I have been attempting to get a refund from The Barton Law Group for an overpaid garnishment. The debt collector was paid in full by payroll deductions in the amount of {$1000.00}. The original judgement was issued on XX/XX/XXXX. The first payment of XXXX was deducted from my pay on XXXXThe final payment was made on XX/XX/XXXX in the amount of XXXX. The creditor submitted another judgment for XXXX more payment on XX/XX/XXXX. The amount of the judgment was {$150.00} and was deducted from my pay. I have called The Barton Law Group for a resolution several times. On XX/XX/XXXX, my employer obtained a copy of the check, from XXXX, that was deposited into The Barton Law Group 's bank account. My employer, also, sent a copy of the check to XXXX at The Barton Law Group on XX/XX/XXXX by email. I have been told by representatives at the The Barton Law Group that they need to submit the information to their finance department because my informationwas not on the check. However, they still deposited the check. I'm still waiting on the refund or a follow-up from the debt collector.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2018. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, was a victim of identity theft from XXXX to XXXX and I have had to dispute many fraudulent inquiries and accounts that were opened without my consent. In XX/XX/XXXX I discovered an unauthorizeXXXX XXXX XXXX XXXX card account being reported to my XXXX, XXXX, and TransUnion credit reports. I quickly filed a police report with the XXXX XXXX XXXX Police and an FTC ID Theft affidavit. I sent a notarized copy of all documentation to the 3 credit bureaus requesting a block or deletion of this fraudulent information from my credit reports. XXXX and XXXX honored my request by blocking the XXXXXXXX XXXX  accounts from my credit file but TransUnion did not remove the fraudulent account. I submitted another dispute requesting the fraudulent information that was a result of identity theft be removed and again my request was not honored. This is a violation of FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried three times to get my Transunion report corrected, but each time it gets more inaccurate instead of getting fixed. In preparation to buying a house, I checked my credit report earlier this year or late XX/XX/XXXX. The only inaccuracy on my transunion report at the time was that it showed my XXXX  STUDENT LOANS as having been closed as part of the Chapter XXXX bankruptcy. This is not true. NO STUDENT LOANS WERE AFFECTED BY MY BANKRUPTCY. Im still paying them except for one which is closed because I paid it off in XX/XX/XXXX. There was a XXXX CREDIT CARD that was discharged as part of the bankruptcy but that is entirely separate from my XXXX STUDENT LOANS ( which were once serviced by XXXX aka XXXX XXXX XXXX aka XXXX aka XXXX ). I opened a dispute online with Transunion and tried to upload my supporting documents, but when I tried, the system said I had to mail them instead, which i did. The result of the dispute was that they marked the XXXX CREDIT CARD open and took off the XXXX STUDENT LOANS altogether. Neither of these items is accurate. 

In XX/XX/XXXX, I opened another dispute claim ( file # XXXX ) online. It showed an option to upload supporting documentation but, again, when I tried, it said it failed and that I would have to mail it to them, which I did via certified mail. This time, I included all of the court documenta from my bankruptcy PLUS a letter explaining PLUS my most recent account statements for my XXXX STUDENT LOANS PLUS a letter showing that in XX/XX/XXXX, my servicer changed from XXXX to XXXX. However, instead of my report getting fixed, they ignored my letter and subsequently misread or misunderstood the court documents because they incorrectly added to several more accounts the remark CHAPTER XXXX BANKRUPTCY and changed pay status to Account Included in Bankruptcy. Yes, the court documents required me to list every single debtor, but No, not all of them were discharged as part of the ruling. None of the student loans were discharged. Anyone who knows anything about student loans or bankrupties in the US should know this without having to even look at my court documents. Specifically, the following acocunts were NOT discharged or affected by my chapter XXXX bankruptcy : XXXX XXXX XXXX SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX # XXXX ( opened XX/XX/XXXX ) and my private student loans with XXXX, which are not appearing on my Transunion credit report for a reason that Im unaware of. My XXXX report shows it correctly, but my transunion does not despite three attempts this year to get it fixed. The third attempt was made last week when I called TransUnion on the phone ( XX/XX/XXXX at XXXX XXXX easterni have a recording ). It was a very frustrating call. I will gladly provide you the recording if you want it. I dont understand why they cant get this right? Do they not understand the impact it can have??
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address the recent denial of credit that I received from your institution. I was notified of this decision on [ Date of Denial Notification ], yet I find that the explanation provided for this denial was insufficient or unclear. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a specific reason for such adverse actions. 

According to TD Bank they were unable to verify my identity to which, at THEIR direction I went into a branch to provide my identity information and complete the form THEY told me to complete. 

TD 's response to my complete does not address any of this. Their long and meaningnless response outlines the prior applications I discussed for absoutely no reason. I am specifically complaining about the application fromXXXX XXXX XXXX that were denied because my identity could not be verified. PER THEIR INSTRUCTION I WENT INTO A BRANCH AND COMPLETED WHAT THEY CALLED A " BID FORM '' AND PROVIDED MY IDENTIFICATIONS AND WAS TOLD THE APPLICATION WOULD REOPEN ON MY DASHBOARD TO SUBMIT. INSTEAD I GOT THE SAME DENIAL WHICH MEANS TD BANK 'S REPRESENTATIVES EITHER GAVE ME MISINFORMATION OR THE FORM WAS NOT PROPERLY SUBMITTED BY THEIR REPRESENTATIVE. TD HAS NOT ADDRESSED WHAT HAPPENED TO THAT FORM! IF I DO NOT RECEIVE A COMPREHENSIVE EXPLANATION I WILL REMOVE ALL OF MY FUNDS IN EXCESS OF XXXX XXXX FROM THEIR INSTITUTION AND FILE SUIT.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX XXXX XXXX for XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit card

I filed two disputes with Wells Fargo. They waited three weeks to reach out to ask any questions. When they finally called they tried violating the HIPPA rights of a patient. The agent was combative after being told she could not violate HIPPA rights. The Wells Fargo employee closed out the disputes and stated it was at my request when I stated I would contact CFPB regarding the dispute.
Product: Debt collection

After reviewing my credit profile on XXXX identified a discrepancy with account listed under Ability Recovery Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???
Product: Credit reporting or other personal consumer reports

I have a case number with the XXXX for a tax identity theft to Experian Identity theft Works and XXXX XXXX XXXX XXXX showing a security freeze of a data breach with a tax lien paid by XXXX XXXX XXXX XXXX was appointed the IRS to send the documents over to Experian Identity Works with the identity restoration case and open a bankruptcy dispute with my management showing a distorted case from identity restoration XXXX XXXX XXXX. I asked XXXX XXXX to contact the control officer with the administration account and verify the error on report. So I asked to question the authority of the personal business account showing bankruptcy dispute hidden from the magistrate office and my accountant to verify my deposit case number with my business sole priortorship account balancing the fraud case with my investigator using my business account to hack and compromised my security. I want my dispute team to verify this error and send the investigation to my case worker and get my restrictions removed on my account showing suspicious log ins from bank account.
Product: Credit card or prepaid card

I contacted capital one today to advise them my job can no longer pay me due to our agency being shut down temporarily because of coranavirus. I advised them I would be applying for NJ unemployment insurance, but am unsure when I would receive my first payment. I spoke with XXXX and told her that I am unsure when I would be able to pay and how much. She said there are no options to reduce, lower, or provide any help for my two accounts with them. I explained to XXXX that I noticed their website said there would be assistance for each customer, but they have refused to provide assistance for my accounts, and I am unsure of what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian and explained that my purse was snatched with all of my personal information & I recently noticed that inquires were appearing on my report. I was instructed to send in a identity theft report which I did & they say it was not there. I have attached that to this complaint.