23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

FedLoan Servicing has mislead me during a transition from Income Based Repayment ( IBR ) to Revised Pay As You Earn ( REPAYE ) and on whether the Standard Repayment Plan payments made during the transition would count toward Public Service Loan Forgiveness ( PSLF ). Before the transition, FedLoan Servicing explained that these would count and I was not informed that any applicable terms and conditions on the Standard Repayment Plan option would prevent them from counting. I was informed of the terms and conditions within the transitional repayment plan ( payment amount for 309 months was {$590.00} and the payment for the final month was {$580.00} ). I asked FedLoan Servicing that by opting to a Standard Repayment Plan during the transition, regardless of the months specified, on whether those payments would count toward PSLF. And they explained that such payments would count. If this would not have been the case, I would have requested the Reduced Payment Forbearance. 

Here were the XXXX : XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) In addition, according to XXXX, " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. '' In my view, either these XXXX should count toward PSLF or I should be issued a refund. 

Can this please be looked into? 

Thank you.
Product: Credit card or prepaid card

I have had a credit card with Chase XXXX  since XXXX. They were to email me bills which they never did. I had a charge on my account that I paid the balance for when they contacted me. They said they would waive the late fee. I received another call from them at such time they said I owed a late fee on the late fee. I told them the first late fee was credited. They still never sent me any paper bills or emails for any balances owing. I was sent a notice a late fee was charged for {$28.00}. When I called them they were going to have a supervisor call me back, no one ever did. I closed the account at that time because I do not want to have any further association with this company. I received another letter XX/XX/XXXX that stated my account had been credited and I would see it reflected on my next statment. I then recevied another notice on XX/XX/XXXX that stated I owed {$61.00}. I called them XX/XX/XXXX and they said I now owe over {$200.00}. I feel like they are scamming me and I need someone to help me get this resolved. If I keep giving them money how can I make sure they won't keep asking for more?!
Product: Payday loan, title loan, or personal loan

Cashnetusa deposited {$300.00} into my personal checking account on Wednesday, XX/XX/2019. They used my personal information from a loan they had transacted with me 10 years ago. I contacted them upon discovering the deposit today, XX/XX/XXXX. I was told they could not reverse the deposit because more than 24 hours had transpired. I argued with several agents for nearly 45 minutes before they finally agreed to reverse the deposit. My complaint stems from the simple fact that I DID NOT authorize anybody at cashnetusa, whether on line, on the phone, or in person, to grant me a loan of any kind whatsoever. I sincerely believe that the only way this loan was transacted was by a cashnetusa agent with nefarious and/or fraudulent intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax ( equifax.com ) continues to refuse to provide a free annual credit report online from the official annual free report website : XXXX I never have a problem receiving my report from XXXX XXXX or XXXX. 

Equifax gives me the message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service P.O. XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is completely unacceptable. Equifax is requiring I pay to make copies of documents as well as postage & requiring I fill out a form and mail it to them. 

Also on the form they are requiring that I list my social security number and requiring I send a copy of my social security card. 

This is not appropriate & outrageous requirements. 

It is unsafe to send documents by mail with a full social security number printed on it. Apparently Equifax has not changed their security practices after they experienced a major hack & compromise of user data & confidential information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bank statement for XX/XX/2020 to a BOA account I never opened. I contacted BOA and issue is told that my account will be closed but that I am a subject to identify theft and should check my credit reports. I have not found this BOA account on any of the 3 credit reporting agencies. BOA also sent a XX/XX/2020 statement for another account in my Wife 's name that she did not open. We do not any accounts with BOA. I reviewed my credit reports and see a soft inquiry noted in XX/XX/2020 by BOA. BOA asked for my Full Name, SSN, Address to than inform me that I am a victim of identity theft. 
My concern is, I don't have any account with BOA showing up on my Credit reports, so I suspect these two Checking accounts called " Advantage SafeBalance Account '' were opened by BOA by themselves without my Wife or My approval. I am requesting an investigation on this matter and if BOA is using any of the information I provided for other means. I do not suspect identity theft as stated by BOA, but something else internal with BOA.
Product: Mortgage

I have made a complaint previously to the CFPB in regards to this specific matter. The issue being I purchased my home in XX/XX/XXXX with a Wells Fargo home mortgage. I was an original signer on the deed of trust. Yet somehow in XXXX of XXXX my parents were able to get a new loan on said property without my release or acknowledgment. The original loan was paid in full and the title was released. A new loan was then created again without my approval and didnt include me. Wells Fargo has been made aware of this on repeated occasions through formal letters from my counsel. Wells Fargo was at a mandatory mediation XX/XX/XXXX in the XXXX XXXX of the XXXX XXXX XXXX MO. They clearly didnt come in good faith to come to an agreement and settlement. My previous complaint the the CFPB instigated an internal investigation on the part of Wells Fargo and they created a document which clearly showed that they were aware that they had no clear title or release on my part to follow through with a new loan. Im simply asking that this federal agency created to protect citizens like myself from these predatory and illegal actions on the part of these large companies. Please advise me as to how with your help I can get the situation resolved. Wells Fargo has clearly broken several state and federal guidelines in regards to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report with transunion that were added on and are companies that pulled multiple times. 
they were taken off but placed back on without my 5 day notice according to section 611 of Fair Credit Reporting Act XXXX PA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX we purchased a home in XXXX XXXX, CA my mom and I are retired on a fix income when all things were satisfactory with Quickenloans the lender found everything satisfactory they funded. XXXX mortgage payments later we were told that things have change our home has increase in value by XXXX XXXX XXXX XXXX each month since we signed the contract and closed, that insurance premiums have increased some as high as two hundred percent that our monthly mortgage payment will be increasing by XXXX XXXX dollars beginning XX/XX/XXXX and they are being slow giving as an answer how they value our home so high to raise our insurance without anyone coming out to look at the home. I live in the XXXX XXXX in California XXXX XXXX no one is flocking to move here. We signed a contract at XXXX XXXX and XXXX XXXX at the XX/XX/XXXX they plan on raising our mortgage payment by XXXX dollars, which we can not afford,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now tried on multiple occasions to reach out to NAVIENT and work with them in regards to this issue, and have had no success. First things first, I had loans through them apparently from when I was attending school. I wasn't aware of this, and every other loan I had taken out made it a point to contact me and have been receiving their money since day of contact. NAVIENT on the other hand informed me that I was enrolled for " paperless '' and that they only ever tried to contact me through an email address I no longer had access to for the past few years. After this information was given to me, I submitted a report and got the information back that they had apparently tried to call my mother and I 's cell phones as well, and left us many messages. When I called about the account because I saw the defaults on my credit report, they told me they only ever tried to email me, and never mentioned anything about call attempts. That whole conversation was recorded via their system, and now I am being told that they tried to call/left voicemails also? They had the right home address, and phone numbers for my mother and I, so had this been the case we would've went and paid the payment on it immediately. If possible, I would like the dates/times NAVIENT had tried to reach out to me, because her and I both have absolutely no records from this. Sallie Mae on the other hand left us a voicemail and was paid that same week. Since this report has happened on my credit report, I can't finance or pay for anything even though I make a good income, and have had outstanding credit until this point. As I stated before I even tried to backpay what was owed, and they let me know the forbearance should be taking this off within a week, and it is over a month later. On every attempt I make to contact them, I get more and more false information, and don't want to consult legal help but I will. The people that I talked to said to try and pursue this avenue before heading that direction, but at this point it seems like I have no choice but to go this path. I can not reiterate enough that I have made every effort to work this out through them, but at this point it is costing me a multitude of different purchases/experiences that I can no longer prolong.
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXX and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Product: Mortgage

Im trying to get some information from wells fargo on the loan modification glitch that caused peoples homes to go into foreclosure. I havent heard or gotten anything in mail from them. Ive tried emailing and messaging them.
Product: Checking or savings account

hello this XXXX XXXX need guidance where is my money going i dont give out my information online like that so i thinking something or someone useing my name or doing fraud i live in XXXX fl
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  XXXX accessed my credit file with EXPERIAN without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  (  C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Vehicle loan or lease

I dont have exact dates but I do have a paper work. I bought a vehicle through credit acceptance and when bought within 3 weeks there was issues with the vehicle I took it back to the place I bought it for them to fix the issue they said they fixed it but they problem kept occurring.. I brung it back again and the issue was still going I asked for receipts multiple times they said tthey dont give receipts which gave red flags there and then my power steering was leaking, engine blew out and I gave the car back to them because I didnt think it was fair to me I had to buy a car that had issues too early in. Now they beeen sending letter of suing me and garnishing wages which isnt fair.
Product: Credit reporting or other personal consumer reports

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at TransUnion and include XXXX / XXXX XXXX ; XXXX XXXX ; XXXX / XXXX and XXXX XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to TransUnion on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his XXXX records.
Product: Debt collection

I received notification from XXXX that a new account was sent to collections. After reviewing the account, the account is not mine, I do n't recognize that balance or that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the COVID relief plan with Bank Of America and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.
Product: Credit reporting or other personal consumer reports

WAKEFIELD & ASSOCIATES account is not acurete on the deut info. 
I have attached complain letter to prove this account is inacurate and need to remove from my experian and transuion.
Product: Mortgage

My mortgage on my property was bought by Freedom Mortgage company in XXXX and a escrow analysis was done at the end of XXXX. I was in Florida at the time they did the escrow analysis and I did not have a payment coupon book which was sent to my primary home. I sent in the shortage lump sum to Freedom Mortgage for the escrow analysis, and I sent in my normal payment for XX/XX/XXXX since i paid the shortage. When I received my statement for XXXX, it had some outrageous amount on it. I called Freedom Mortgage on XX/XX/XXXX to straighten it out. I was told by the representative that my lump sum escrow payment was not applied and it was sitting in the unapplied funds. I was also told I have to pay the erroneous amount in order for Freedom Mortgage to correct the situation. Since he confirmed with me that the amount due was wrong and I did not have the extra money to pay it, I requested to talk to a supervisor. The representative argued with me for 5 minutes to the point of us yelling at each other before he finally relented and let me talk to a supervisor and her name was XXXX. After explaining the issue to her she promptly told us what my correct monthly payment would be which was approximately {$20.00} more than my prior payment. I promptly paid her that day for my shortage in XXXX and my XXXX payment at the correct amount. She then told me she would write a letter to the escrow department and make sure the lump sum escrow payment i sent in would be applied. So XX/XX/XXXX, I was current and up to date on my mortgage loan. XXXX assured me that she would contact the correct department to have my {$20.00} shortage from XXXX payment applied promptly. She advised me it would take a few days to go through. Since that day I have received numerous statements with incorrect payment information. I have received 2 hardship folders and received threatening letters stating they are reporting me to the credit department. I realized that obviously this was not corrected as XXXX told me. I have made numerous phone calls, written letters, fax messages explaining the situation as I am now. I have called XXXX the supervisor at her extension that she gave me and left messages for her to contact me because she told me to contact her if I had any issues. I have heard nothing back from Freedom Mortgage. In the meantime I am getting notices from my Credit Card companies that my credit score has fallen dramatically and they are closing my credit card, and I continue to get negative mail from Freedom Mortgage which tells me the situation is still not corrected. I have exhausted countless hours with this company trying to fix this and Freedom Mortgage is ruining my credit score. Obviously they are not going to correct the situation, so this is why I am asking for outside help. ( I am including two folders which has all my dates and payment records that explain the whole story from the beginning ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX, Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I sent two payments through cashapp to someone who was supposed to repair and upgrade a computer for me to start working. He never did any of the work or upgrade and refused to issue a refund on either payment. Both payments totaled {$500.00} and it put me far behind on bills and also made me lose a job opportunity. I have spoke with cashapp several times about it and was told there was nothing they could do or were going to Do to help me and I was basically going to have to take the loss. I tried disputing the charges with my bank with no luck their either. Cashapp let a man steal XXXX $ from me and get away with it.