23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently graduated from XXXX University with a degree in XXXX. I recieved information from Sallie Mae not long after informing me of my loan payment requirements, which I quickly realized I can not afford. 

I immediately called Sallie Mae to discuss my hardship in hopes for a solutions due to my promptness in attempting to sort out the issue before I end up in financial trouble. 

In the first phone call Sallie Mae simply informed me that they have no options for me at this time and my only option is to default on my loans and that at that time collections may have more options for me. 

Unsatisfied with this solution, I called a second time and in that call I was told that they can offer me an interest only payment for 12 months, essentially delaying my monthly payments not adjusting the actual amount in any way. In doing this it reduces my monthly payments in total by about XXXX dollars, however, the total payment due is still not affordable. 

So at this time, they will not consolidate my XXXX loans, they will not lower my payments every month, they will not work with me to prevent going to collections and defaulting and my only option is to default on my loans to get assistance. 

I found this experience totally overwhelming and frustrating. Unlike many financial institutions, where they work with you to avoid collections, Sallie Mae is forcing students to go to collections or file bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Did Not Resolved the Matter Plus i Mail a Letter To XXXX  XXXX Requesting them to Add the Information about this closed account Back the the Credit Report and XXXX  XXXX Denied to Fix This Matter and This Account is Not Being Reported to Equifax and i contacted Equifax and they told me to contact  XXXX  XXXX To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to Equifax i Contact The Credit Report Agency and they adviced me to contact XXXX  XXXX and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to Equifax The Company Did Not Fix The Problem with My Credit Report with Equifax and this account is still missing from my Equifax Credit Report and XXXX XXXX did not Resolved any inquires about this complaint
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

HI EQUIFAX, I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT FROM SPACE COAST OPENED WITHOUT MY KNOWLEDGE. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT, SPACE COAST ACCOUNT : XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, because I founded a XXXX XXXX XXXX XXXX XXXX and received approval from the Dept. of Ed as a loan forgiveness program for our counselors, since we service XXXX XXXX patients, my loans were moved from a provider to direct payment to the Dept. of Ed. That provider was not the problem. Prior providers who were horrible lost my loan servicing to an organization in XXXX, which was great. 

Navient and XXXX have reported negative comments about delinquency to the credit bureaus. I was NEVER delinquent, as I was on a deferral basis, since I am still in a XXXX program. I switched schools from XXXX XXXX ( money hungry ) to XXXX ( tries to reduce student debt ). XXXX is eligible for deferral programs from other school balaances. There is no reason to report me delinquent. I feel this is just a thumb in the eye for leaving them. Please correct. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Problems are : Dept of Ed. Navient and XXXX XXXX XXXX. Hit me for every single loan. Battered my credit score. Totally unfair. If you need my social, it is XXXX. 

Thank you very much.
Product: Credit reporting or other personal consumer reports

I received my credit report and notice that the XXXX  XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct deleted.
Product: Checking or savings account

I received a deposit and ChimeXXXX XXXX never sent it. They have a policy that they send it immediately or 2 days in advance. I have proof they received it and delayed it intentionally trying to steal it or a percentage of it
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable. 

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.
Product: Payday loan

I received a loan in 2014 that I defaulted on and have now been receiving harassing phone calls to my employer, family and elderly grandparents. This debt collector states that they are a Lawyers Office `` XXXX XXXX XXXX XXXX '' and I have called them back multiple times and representatives have been extremely violent and harassing. These phone calls have been back to back to my employer and are putting my employment in jeopardy. This " Lawyers Office '' has threatened my grandparents that I am being sued and only have XXXX hours to respond in regards to this matter. I have contacted the Advance America who has referred me to a debt collector who in correspondence refereed me to another debt collector " XXXX ''
Product: Debt collection

year of 2020 I quit my job to go to XXXX, while I was in XXXX  I went to see a XXXX  I used to see before I did lost my benefits from my job, I had a balance of {$70.00} to pay, they didn't even give me time they sent it to collect Bureau, I tried to dispute it they never wanted to drop it off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX I received a phone call from an unknown number while at a doctor appointment. It was Chase credit card letting me know I did not pay last months bill. I told them I did not have the funds available and that I would pay at the end of month when my bill was due. The man on the other end then questioned me if I did not have any money, how was I getting around? I explained other bills while he kept harassing me about the question until I demanded to end the call. I ended up humiliating myself at the doctors office because this guy took the question long too far. 
The last few days I have received constant phone calls from the same number that are basically hang ups. I believe this company needs to get control of this The phone number of the company is XXXX XXXX XXXX XXXX I received phone calls on that day and today at XXXX XXXX and XXXX XXXX today. 
Im also on the do not call registry and am still receiving calls.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX have been playing the fraud game for two decades and under CFPB XXXX and XXXX finally confessed about a property that always belong to me and they never intended to do right and even now refusing my calls and to take responsibility for their own Criminal frauds includes XXXX XXXX and Refin. 

The must be fine by the CFPB.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF THE RECENT DATA BREACH PLEASE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH
Product: Debt collection

Collection company Hillcrest Davidson and Associates is attempting to collect a debt not owed by me. I share a similar name with a family member that actually is responsible. I have not lived at the residence that received services since XX/XX/XXXX. Services were provided in XX/XX/XXXX, years after I moved out. This information was relayed to the debt collector however the debt remains on my credit report.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN EQUIFAX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below :. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case.

My rights are being violated and preventing me from purchasing a home for me and my family.

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. Experian, XXXX, and XXXX are all reporting inaccurate information causing me financial harm.
Product: Mortgage

XXXX I applied for my first mortgage with XXXX and this was my now ex wifes second mortgage due to her bad mortgage decision for the townhouse in XXXX and multiple debts. The mortgage was about XXXX plus I had to get a loan from my bank for an extra XXXX for the extra debts, etc.
We separated XXXX, divorce final XXXX. In the decree the judge said that she had until XXXX to refinance or sell the townhome. She was not allowed to extend any more further debt or new debts in my name. And was solely responsible for any and all responsibility for the property and she had to show me the property note and once she proved that it was clear, I would be released from the deed.
By XXXX, she drove 2 hours to a different XXXX and had a loan modification approved, extension of terms from 30 years to 44 years, was given a advance in the amount of {$25000.00} that is now a deferred balloon payment.
She 's also filed and forged my signature on tax returns to claim the mortgage interest that was in my name alone without my permission or knowledge plus used my information to receive tax information for loan modification and hardship application just recently as last month.
I have not received any information on the application or the fact that it was done and done against a permanent court order. I have no idea what information was used in approve the request for modification and I never signed anything.
Plus she 's not paid escrow, property insurance, nor real estate taxes. I was garnished up until XXXX then the 3rd mortgage lender paid her debt of almost 9,000.
She also fraudulently filed a claim for hurricane damages citing 4 months of damage and hardships. Her property was barely touched and the mortgage company released XXXX to her for the claim for damages.
On top of that, she 's had a note loan on the property that she keeps getting refinanced. This last refinance was for XXXX, before that XXXX and before that XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financia ; institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I got this car from American Can Center on XX/XX/2023. At the time they told me they only had 3 cars on the lot because they were about restock. They never intended to restock they were selling all the cars with the intention to shut down the entire business. Although this loan is predatory in nature and numbers I still agreed to it because I needed the car. They told me that this lease could help improve my credit score. After making one payment to American Car Center, the following week on XX/XX/XXXX American Car Center abruptly closed down all operations. Since that time Westlake Financial has called and informed me that they took over the loans but couldn't provide me with tags because they never bought the titles from American Car Center and they were working on that. I have had this car 7 months and can not drive it due to not having tags. Also the car was broken into and nearly stolen because it's a targeted car being a XXXX which has a defect that allows them to be easily stolen. I can not get it repaired because there is no where to get it repaired due to the closure. What can I do to get out of this horrendous deal?
Product: Checking or savings account

Approx. XX/XX/XXXX, problems using my on-line account Bank of America , my accounts were not available for view. 
Called and spoke to XXXX in XXXX, he told me there was a " known issue '' in linking the accounts to my email and that a technical ticket had been issued. 
XX/XX/XXXX, issues persist to access my money on-line. Called XXXX spoke to XXXX ( maybe in Maryland? ) he advised the accounts were being closed, there was no other information provided or known. 
XXXX, at XXXX XXXX I go to the branch at XXXX XXXX XXXX, XXXX, NV XXXX to withdraw money. Teller tells me I needed to call ahead, I advised her the money was in my account that I wanted to withdraw. She starts the cashier check procedure, then stops, advises I need to speak to the manager. The manager disappears for some time on the phone, finally returns and leads me to the office of XXXX ( Relationship Manager ) and advises her name is XXXX the Manager, that all my accounts will be closed. There is no further explanation as to the procedure, where or when funds will be dispersed. XXXX tells me I am NO LONGER allowed in any branch! They tell me to call XXXX. I tell XXXX they are not allowed by Federal Law to keep me from my money for over 2 days, she answers they can when closing the account. She doesn't care and is not professional. 
XXXX I call XXXX. After several questions I am referred to a login that doesn't work. The person on the phone advises she can no longer help and advises me to go to a branch. I told her XXXX said I wasn't allowed in any branch. She tells me I should be able to get resolve in the branch. 
XXXX I call my Congressman XXXX XXXX and speak to XXXX. She refers me to the OCC. I have tried several phone numbers, XXXX, XXXX, NONE of them are working numbers. 
XXXX I have limited view of my online account at Bank of America. It appears from what I can see my money might still be there, so I am attempting to transfer it to another bank. I am not sure there will be success, if the money will be pulled back. 
I call XXXX at XXXX XXXX 's office again and she attempts to call BofA, they don't answer. She advised I need to sign a Privacy Act Consent Form, but has no authority to cause the bank to act and again advises to contact the oversight office, Office of the Comptroller of Currency. 
XXXX All attempts to reach the bank are unsuccessful. Phones are not answered or not connecting or no information will be given, period! 
I have had no access to my money for over one week, with no end in sight, and no access to information. This is at a critical point because of the extremely high amount, over XXXX that they are holding. It appears they are not acting responsibly nor in good faith!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very tired of all of this. I submitted over 30 days ago that these accounts are inaccurate and a violation. These accounts are defaming my character, harasssing me, violating my rights which all are a violation according to XXXX XXXX XXXX a.b.c.d.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE FACTORS SHOW OLDEST ACCOUNT 10 YEARS OLD & AVERAGE ACCOUNT JUST 2 YEARS OLD I DISPUTED THIS INFO SHOWING I HAVE MANY ( AT LEAST 5 ) ACCOUNTS BEEN OPEN ( CLOSED/PAID NOW ) FOR 7 YEARS OR BETTER ALSO MY OLDER ACCOUNTS ( PAID ) PAYMENT HISTORY DOESNT REFLECT ACCURATELT FOR OLDER TIMEFRAME
Product: Credit reporting or other personal consumer reports

On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 ; I contacted XXXX  XXXX XXXX  to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents