23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.
Product: Checking or savings account

On XX/XX/year> my account with Bank of America ( BOA ) was closed and a check ( copy attached in files below ) of my remaining funds was issued and sent to me through mail. I deposited the check into my XXXX  account ( deposit receipt attached in files below ) on XX/XX/year>. The funds were delayed for 10 days as it is the norm. On XX/XX/year>, the funds were cleared however a hold was placed on the funds by XXXX pending an investigation which involved XXXX reaching out to BOA to confirm the funds. XXXX informed me that they require a " receipt of indemnification '' form from BOA to conclude their investigation and release my funds. I visited a BOA branch and they were able to provide me with a receipt of the check showing all the information ( copy attached in files below ) as well as my bank statements showing that the funds did come from my account however they told me that they never provide indemnification forms or even know why XXXX would be withholding my funds because the funds had already left their accounts at that moment and they couldn't do much to help. Since then it has been back on forth between XXXX and BOA. I set up an appointment with a XXXX XXXX on XX/XX/year> to discuss what other solutions were available for me. They kept requesting the same document as before. I then set up another appointment with BOA on XX/XX/year>. The new manager informed me he would put in a request with the back office for the receipt of indemnification and that it should be ready two days later on XX/XX/year>. It wasn't ready on the XXXX and they informed me to return the next day XX/XX/year>. When I returned, they provided me with their account closure department number and advised me to call the number and they will instruct me on what to do next. When I called, BOA informed me that the best way they can help me is for XXXX  to reject the check and return the funds to the original creditor ( BOA ) and that they will reissue me the check and that they can't do much more because the funds had already left their account and that it is XXXX  who has suspended the funds. However, whenever I reach out to Chase, I am informed that they can't move on with their investigation to release the funds without receiving a receipt of indemnification form from BOA and the funds will be suspended indefinitely without knowing the final date. BOA also provided me with their check verification phone number for XXXX to call and verify the check and the funds. I provided the number to XXXX but I do not know why they wont call them to verify. BOA keeps assuring me that the funds have already cleared from their end and that it is XXXX that is holding these funds and they aren't exactly sure why. These are my savings and I need them to pay bills and support my family. Please help! I have been back and forth between these XXXX banks with no end in sight.
Product: Credit reporting or other personal consumer reports

I have inquiries on both my Equifax and XXXX credit report that I did not authorize my report to be reviewed.
Product: Credit card or prepaid card

XXXX Credit Card is illegally reporting an alleged debt on my consumer reports. I did not give written consent for them to furnish anything to my consumer reports.
Product: Student loan

I have requested for my funds to be placed in one of my loans and they failed to do so and didn't follow my instructions. When I asked for a refund of the funds they claimed they issued a refund and when I called back weeks later they agreed they didn't send a refund. This is the second time this is happening and I am irritable at this point. I am trying to pay off my student loans and they are making it more difficult to do so and extending my pay time.
Product: Mortgage

I purchased a home in XXXX 2013 with Boeing Employees Credit Union. I was provided an appraisal from XXXX XXXX XXXX and XXXX XXXX stating my square footage was XXXX. I recently applied for a cash out refinance on this property and another appraisal company stated it is only XXXX square feet. I feel I overpaid for the original purchase and was provided inaccurate information from XXXX at origination. I was sold a property under false information in regards to square footage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.
Product: Student loan

This loan started out as a {$3100.00} private student loan : XXXX Lender : NAVIENT PRIVATE LOAN TRUST ( XXXX originally ) Disbursement Date : XX/XX/XXXX Original Principal : {$3100.00} I have been paying interest only on this loan since XXXX ; however, the loan has ballooned up to {$5100.00} with an interest rate of 6 %. The interest only payment ends XX/XX/XXXX, wherein the payment will increase significantly. My complaint is that this loan balance should not have doubled since I have being making interest payments for almost four years. This student is being scammed by Navient.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

It is not acceptable if asked to call because what was requested as a few other businesses state etc but no it is legal for others to supply copies of some documents. I should now have the last two items XXXX from last employer XXXX XXXX XXXX it and present utility bill paid that day so now they have no excuse from the XX/XX/year> letter they have what they requested. They are kind people but the ultimate most difficult to work with if they wont answer the phone they ask me to call to ask what they need equifax is the worst company and I will hold to this statement kind or not the worst in XXXX
Product: Debt collection

I have contacted and disputed the alleged obligations that Chase bank has stated I owed, which was delivered to them on XX/XX/XXXX of 2022. While my overnight delivery to them has yet to arrive to their billing dispute center due to USPS delivery disfunction and only arrived to their payment center, this does not disregard the dispute that was placed to Chase bank regarding my accounts. With my disputes, I sent a notarized affidavit of truth dated XX/XX/XXXX of 2022 along with a cover letter, exhibits, and a cease and desist with demands for remedy. 

I am submitting this complaint 8 days after my sent letters since Chase still indicates that I am late on a payment regarding an obligation that I do not owe, which is violating federal law of seeking payment during a billing dispute and using obscene language to have me make a payment with federal promissory notes. I am also submitting this complaint indicating that Chase bank is still communicating with me without regard to the demands that I have made for remedy or settlement or documentation evidence for their claims after placing in a cease and desist with conditions.
Product: Mortgage

I tried refinancing an existing mortgage to lower my monthly payment with Quicken Loan. It was scheduled to close within 90 days which was XX/XX/2021. I submitted all documents on a timely basis. I received a call on XX/XX/2021 informing me that my application was denied due to a change in a new law that affects investment properties. 
As a result, my application was being denied. 
On XX/XX/2021 I received a letter by email from XXXX XXXX XXXX, Mortgage Banker that my application was denied due to failure to provide outstanding documents. My lock-in rate is lost and now I am left to start this process all over with a different lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose.
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. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COVINGTON CREDIT ***** Opened : XX/XX/XXXX Balance {$0.00} Late Close
Product: Credit reporting or other personal consumer reports

i never applied for a loan or anything with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.
Product: Credit reporting

An ID theft affidavit was sent to Experian containing accounts that were open due to fraud, forgery and theft. The Affidavit contained police report number XXXX, FTC complaint # XXXX and a U.S. Postal Inspection service complaint # XXXX. Experian continues to report the following accounts ; XXXX XXXX XXXX XXXX partial account number XXXX is not my account. 
XXXX XXXX XXXX partial account number XXXX is not my account. 

Experian failed to properly investigate this matter, in addition to disregarding my rights as a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as XXXX XXXX XXXX' or " XXXX XXXX This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Product: Credit reporting or other personal consumer reports

Re : CFPB enforcement action filed XX/XX/year> against XXXX & XXXX for TRANSUNION also failing to conduct adequate investigations of disputed and reinserted information in credit reports, due to Identity theft, that have since been removed. ( THIS IS A CFPB COMPLAINT, against TRANSUNION for FCRA VIOLATIONS, I AM SEEKING MONATARY RELIEF/ for Financial compensation. ) See attachments.
Product: Student loan

On XXXX 2017 I consolidate my federal student loans with Navient, while working on that, Navient informed me that I did n't have to make any payments on any of my loans and that I was only to make the payment towards the consolidate loans, hence I stopped making the payments towards my private student loan with Navient, in XXXX Navient contacts me to tell me that my private student loans are in delinquency and they are calling to collect the money. I told Navient that I was n't aware of that and that I was under the understanding that all my loans had been consolidate into one payment, including federal and private student loans, Navient admitted to have given me the wrong information and the reason they did that was because their federal and private systems do n't communicate with each other. Now Navient wants me to settle my account, however due to the delinquency that appears on my credit score, I have n't been able to get a lender, even with a co-signer. Navient is not willing to work around this, even thou they created obstacles to repayment by providing bad information.
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XX/XX/2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of  consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX
Product: Mortgage

I was discriminated against by representatives of Penfed Credit Union, XXXX XXXX and XXXX XXXX who established discriminatory requirements for me to obtain a preapproval letter for a VA loan. I was flagged for discriminatory reasons by XXXX XXXX who prescreened loan applicants by phone and assigned XXXX XXXX, Mortgage Loan Originator. XXXX XXXX violated anti-discrimination laws by creating a requirement for the issuance pre-approval letter that was not consistent with VA/XXXX guidelines or PenFed practice. I provided financial documents that supported my VA eligibility and established income that fully met requirements of the Department of Veterans Affairs regarding VA loan eligibility, documents necessary to establish employment stability ( XXXX and paystubs ), and processing requirements.I only requested a loan pre-approval which is always conditional, and not a loan commitment from PenFed. The action of these PenFed representatives was designed to deny me equal non-discriminatory access to a government loan program, and resulted in harm to me due to a lost purchase opportunity of a home and a lower mortgage rate which was available at the time of this discriminatory acts.
Product: Credit card or prepaid card

I applied for a store credit card in XX/XX/2021 at XXXX 's department store in XXXX, TN. My credit application was approved. 

I never received a credit card nor have I received a statement. I have never made any charges on the account since I never received a card. 

I have been notified that a payment on my account is more than 30 days past due and the non-payment has been reported to XXXX. The charges on the account are obviously fraudulent, since I did not make them. Please correct this mistake and remove the negative report from my account. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE SEE ATTACHMENTS
Product: Checking or savings account

It all started on XX/XX/XXXX, my nephew had a few items available on XXXX. This person named XXXX contacted him saying hed like to buy available items. We agreed on a certain amount it would all cost. He sent extra asking if wed do the favor of paying his movers picking up. He sent a few checks, which they looked real. It had his supposedly companys name on it ( XXXX XXXX ) and also had ( XXXX XXXX XXXX  ) written on the checks. I deposited the checks and a few days later the checks crashed. My nephew called XXXX XXXX and told them the situation. They said their checks never bounce and those checks dont match with the companys. He also called XXXX XXXXXXXX XXXX for a second verification, they told him the same thing. A few days ago I received an email from Wells Fargo stating my accounts will be closed on XX/XX/XXXX due to the checks crashing. I asked what can I do to keep my account but they dont want to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX. 

Account number : XXXX Account type : Unsecured Date opened : XX/XX/2022 Status : Paid, Closed. 

Status updated XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit card

I've an account with XXXX XXXX XXXX Credit Card with Comenity Bank. I lost access to online account a month ago and I've been trying to contact their customer service to help me reset my password since the online reset doesn't work. Every time I call they want me to call after 24/48 hours later. The account was recently moved from XXXX XXXX XXXX to Comenity bank and I had 3 fraud transactions already in this account. I'm now worried and stressed out due to this. Please help me out. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I had an issue with identity fraud and XXXXXXXX XXXX XXXX XXXX account went into collection and I disputed it in a first letter and it came off from collection but the account still shows up on my credit reports with negatives impacting my credit.
Product: Vehicle loan or lease

Ally financial keep drawing money out of my my bank account that is used for personal things, Ally financial has an account they are to be taking money out of for our car payment but refuses to take out of the allowed account. This is unacceptable and keep putting my personal account into the negative costing me an extra XXXX $ a month.