23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wrongfully evicted after the complex returned 3 months of my rent. I attempted to resolve it with the company by phone, but they still wanted me to pay most of it. Also, I disputed it via XXXX XXXX, but it was not resolved.
Product: Checking or savings account

First travel had a cent authorization the card com block my card and left me stranded on the weekends there office was closed and charge me almost XXXX and file dispute notify them pertaining XXXX authorization of refund so showing proof still claim the bank is disgusting and constantly ripping me off
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX {$32000.00}, as well as VW CREDIT INC balance {$73000.00}.
Product: Debt collection

This debt is not my debt, it is from the multiple accounts opened without my knowledge, I have provided the credit bureaus and the previous collection agencies with the police report years ago when this first was brought to my attention. The original collection was not opened by myself. Between the dates of XXXX several accounts was opened, my information was on the dark web, I have placed fraud alerts on my credit to prevent any accounts being opened without my knowledge.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presumed that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( Please remove these accounts before I seek legal litigation for defamation of character ) 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: Mortgage

I purchased my first home in XXXX XXXX. Our Wells Fargo loan officer provided us with home owner 's insurance through Minnesota XXXX at the time of the purchase. In XXXX my XXXX income household went to XXXX income and in XXXX I qualified for a XXXX modification. My original loan interest rate was 6.1 %. The XXXX reduced the interest rate to 2 % for five years, and after that five years my interest rate would rise 1 % until it went back to the original 6.1 %. My interest rate began climbing in XXXX. I was again having trouble making mortgage payments and talked to Wells Fargo repeatedly about a refinance or another modification. It was n't until I contacted another lender, that I was made aware that my home owner 's insurance was {$5100.00} a year adding {$420.00} to my monthly mortgage bill. I originally paid {$250000.00} for a XXXX square foot split level on less than half an acre. I have since cancelled the policy with Minnesota XXXX and am now with XXXX paying {$1300.00} a year for insurance. Why was I being charged such a high amount for my home owner 's insurance? I am a first time home owner and had no idea that was almost four times the amount I should have been paying. Why did n't any of the loan officers at Wells Fargo catch this during XXXX of my many many phone calls? My house is now worth {$240000.00} and at this time I owe {$180000.00}. I 'm guessing it was not in Wells Fargo 's best interest for me to keep my home as there was almost {$55000.00} in equity for them if I was unable to keep making payments and foreclose. I spoke with a real estate agent about selling my home, but for me to make any money, my home would need quite a few repairs and updates. I have been at a loss for the last year. I have spoken with Wells Fargo XXXX last time to try and resolve this issue and understand why no one caught my criminally high insurance premiums. I started my phone call with the Customer Service department and was transferred to the refinance department. XXXX, the representative I spoke with was unable to even look at my loan and she transferred me to the main menu which was unable to process my call and hung up on me. When I called the main number again, I got a message that due to high call rates I would be on hold for a very long time and I should call back. I have hit brick walls at every turn when I 've tried to work with Wells Fargo to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a XXXX XXXX decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX XXXX hard inquiry on my credit report be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

I have been trying to Modify my mortgage for 5 years with Nationstar, I have submitted several completed applications packages over the years and each time they drug their feet for months reviewing the applications, never telling me what was happening unless I called to check up on things only to find out that they took so long doing this that some of the paperwork according to them had " expired '', they requested that I resubmit or redo or update certain parts of the file but after submitting again and agin and again they just drug their feet until they would finally request another full file, this process could take up to a year! in the meantime I sit in foreclosure wondering when I would lose my house. They tried to foreclose on the house a few times but we just kept re submitting paperwork and new files. I would call repeatedly only to talk to some horrible person who was very unwilling to help and when I got upset with them for dragging their feet once they thought they put me on hold and I heard the customer service girl say out loud while laughing " Can you believe this stupid white boy? '' I told her I was recording the call and she hung up immediately.. 
They never answered for this deliberate XXXX remark and it was obvious at that time to me that they were doing this to me on purpose.. 
It has been 5 years of battle and after a horrible divorce this is all my kids and I have left.. 
Nothing has changed with my employment the whole time but recently they approved a modification and put my payments at {$2300.00} a month and % 10 intrest from the original {$1200.00} a month and an extra {$200.00} tacked onto my mortgage because of all the back payments and fees! Why all the sudden would they approve the Mod when NOTHING has changed???? 
This is a strategy they use to XXXX people out of their homes. my house is unaffordable now and would never sell for how much they have scammed me out of.
Product: Debt collection

Subject : Debt Validation Dispute - Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the debt reported by your company, Sunrise Credit Services Group, regarding a debt allegedly owed to XXXX XXXX XXXX. I previously requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but to date, I have not received the required validation documents. I am requesting that you immediately cease reporting this debt to the credit bureaus until proper validation is provided. 

According to the Fair Credit Reporting Act ( FCRA ), Section 1681s-2 ( b ), you are required to report accurate and complete information to credit reporting agencies. Under FCRA Section 1681i ( a ) ( 1 ), I have the right to dispute any item on my credit report that I believe is inaccurate or incomplete, and I am entitled to a full investigation of that dispute.

In addition, under FDCPA Section 809 ( b ), once a consumer disputes a debt in writing and requests validation, the debt collector must cease collection activities until they provide the required validation. It has been [ insert the number of days since your initial request ] since my request, and I have not received any documentation verifying the debt or proving that I owe the amount stated. 

Failure to validate the debt within the time frame outlined by the FDCPA requires you to cease reporting the debt to the credit bureaus. Therefore, I request the following actions : Immediate removal of the alleged debt from my credit report, as it has not been validated.

Verification of this debt, including documentation from XXXX XXXX XXXX that it is valid and that you have the legal right to collect on it. 

Cease any further collection efforts on this debt until proper validation is provided. 

If you fail to respond with proper documentation of this debt, you must remove it from my credit report as required under the FCRA and the FDCPA. 

Please ensure that your investigation is completed and that you provide a response within 30 days of receiving this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

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

I have inaccurate information on my credit report that XXXX, XXXX, and Transunion are continuing to report even after individual disputes have been submitted to each company. I had an exceptional credit score of XXXX before this fraudulent amount showed up on my credit report in XX/XX/XXXX. I have never once missed a rent payment and always pay rent on the first of every month because I have all of my bills set on automatic payments. I also have proof in the form of my XXXX checking account payment confirmations of all of my rent payments during the last year of my lease at an apartment building I lived in for four years ( XX/XX/XXXX {$630.00} and XX/XX/XXXX {$420.00} were paid via cashiers check, as required by property management company, so I dont have those email payment confirmations. ) I contacted my prior apartment complex several times and they weren't able to find any delinquencies, and I sent certified letters to the collection agency from the information in my credit report with no response. For anyone renting in XXXXXXXX XXXX, beware of these large apartment management companies -- sending me to collections for a debt that doesn't exist six months after moving to a new state is predatory and appalling. See attached documents showing recurring payments for this lease term : XX/XX/XXXX to XX/XX/XXXX. Certified mail letter sent to collections company on XX/XX/XXXX but no response from company, receipts also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WY XXXX, NC XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Liability : {$0.00} ; XXXXXXXX XXXX XXXX Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, which were UNKNOWN to me . I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to explained that I have 36 inquiries on my Credit Report and I did not apply for Credit at any of these companies. I spoke to the Fraud Department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I sent an email to the President of Experian explaining that I did not make these inquiries and I have a fraud alert placed on my account. 
I also have a Collection Account that I know nothing about. XXXX XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX that does not belong to me. This should also be removed.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. I have previously communicated this to XXXX XXXX. 

I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX  XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 

The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

In this case, I am the consumer and XXXX XXXX is the person making reports to consumer reporting agencies. According to the FCRA, XXXX XXXX is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 

I have previously communicated to XXXX XXXX that they are reporting inaccurate information. XXXX XXXX failed to notify me of negative information being added to my consumer report at any time. XXXX XXXX has failed to investigate, correct or delete inaccurate, incomplete, or unverifiable information, yet I am not in receipt of anything suggesting that my disputes were frivolous. 

The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX XXXX has provided credit reports containing my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2022 CAPITAL XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this concern a number of my rights have been violated 15 u.s code 16813 15 u.s code 1681i i have disputed these accounts and some how they still get verified online but meanwhile you guys send me letters asking for my social saying you cant find the accounts how is this possible if your getting your information from the same people i was incarcerated at time of these accounts i need these accounts and address removed expeditiously XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been to Bank Of America several times and have tried to notify corporate about the equity line of credit that was paid XX/XX/2020 and it still shows a balance of {$220000.00}. Bank of America has responded to XXXX  and states that it is still owed even though Bank of America shows that it is paid off. 
I have disputed this several times with XXXX only to have the same results. 
This is affecting my credit rating and I can not get it resolved.
Product: Mortgage

On XXXX I submitted an initial VA application for Mortgage for {$170000.00}. My case file was assigned to XXXX XXXX ( Loan Officer ). This individual made no attempts to contact me as of XXXX until I contacted Navy Federal for her to make contact with me. By this time I had lost the residence I was looking at. When the Loan Officer and I finally spoke I requested to increase the amount to {$300000.00} as I was looking at another property. I asked a variety of questions : To be provided with my VA eligibility letter, closing cost, etc ... Loan Officer responded to my inquiry to the best of her ability. During our phone conversation I informed the loan officer that inspection was scheduled for Saturday XX/XX/XXXX @ XXXX. I should have known by then that she wasnt paying attention. Anytime I was asked for something by loan officer it was provided within 24-72 hours. On XXXX I email the loan officer as to if she required anything else and she then informed me that my POC moving forward was XXXX XXXX ( Processor ) as my case was transferred to processing on XXXX. I then sent the processor the same email on XXXX, XXXX, & XXXX with no response. Processor finally made contact with me via phone and advised she did not require anything at the time. On XXXX processor requests documentation and was provided all information immediately. On XXXX I called to check on the final numbers and the Loan Officer was oblivious as to anything going with my case file especially since I was schedule to close on Thursday. I was very annoyed because she informed me that my close was for Friday vice Thursday that she was unsure of final numbers and status as this was with the processor. The loan officer advised me of a couple possible outfits but not of the one I received on XXXX. After speaking with the loan officer who informed me my processor was out I was contacted by processor XXXX XXXX who requested specific documents provided to both the loan officer and processor and all information was forwarded to her immediately so that she could see all this information was provided in a timely manner. At this point I felt that both the loan officer and processor did not do their jobs. On XXXX Processor XXXX XXXX reached out to me and informed me that she would be my processor moving forward that my case file was not complete due to an employee error and that she is aiming for an XXXX closing as she has been authorized a one review process vice two to get me to clear to close due to the employee discrepancy. By this time Supervisor XXXX was involved. On XXXX XXXX reached out to me again for additional information and all was provided and later on that evening she returned dreadful information of it being declined. I feel that Navy Federal has no intentions of affording options to get this resolved.