23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX loans transferred were the first loans to transfer to Fed Loan Servicing as I'm pursuing Public Service Loan Forgiveness ( PSLF ). Payment was set at {$41.00} on XX/XX/XXXX under the IBR plan. I was then notified on XX/XX/XXXX that my payment was recalculated at {$80.00} under the REPAYE plan. The TEPSLF was announced in XX/XX/XXXX. I consolidated my Navient loans, which were transferred to Fed Loan Servicing. On XX/XX/XXXX, I received notification I had 2 new payments that had been calculated. One payment was calculated under the ICR plan at {$170.00} and the other payment had been calculated under the REPAYE plan at {$160.00}. I've been paying XXXX and Navient every month, without fail, for the past seven years and my payments have always been affordable ; I've never struggled to make meet my student loan obligations or other financial responsibilities. My prior payments were set at {$39.00} and {$28.00} respectively. I've tried, exhaustively, to discuss this matter with representatives of Fed Loan Servicing to no avail. My income has not increased since the initial payment notification dated XX/XX/XXXX. In fact, my tax return indicated that my income actually decreased from last year. No representative can intelligently explain why there are 2 payments when they are a singular servicer, other than to state there are Parent Plus loans, which were consolidated into a loan and no longer stand on their own. Additionally, the representatives I've spoken to insist that the loan that includes the Parent Plus loans is not eligible for an income based repayment plan, contradictory to what is indicated on the Department of Education 's website regarding the Temporary Extended Public Service Loan Forgiveness waiver. Efforts to reach someone at the Department of Education have met with negative results as well. I continue to be given phone number after number only to be told I've reached the wrong department. I've filled out numerous applications for payments plans, been denied, told I've filled them out incorrectly, had them deleted, and have no idea where to turn for assistance. I am petrified of losing everything I have worked so hard to achieve simply due to a change of loan servicers. Any assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complain several weeks ago against Bank of America. however, the person in charge of the case Mrs. XXXX XXXX did referred the case to an attorney who sent me a letter misleading completely the nature of the complain. I sent an email to that attorney asking questions and never got a response ; I also called Mrs. XXXX who never answered my calls either. 
Below is the information to follow up this case, Thank you very much for your help, XXXX XXXX XXXX XXXX, consumer specialist. case # XXXX CFPB case # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!
Product: Debt collection

Amrerassist is aware of the fraud alert on my account and the loss I have experienced. They have failed to provide the debt validation requested via XXXX and XXXX  yet continue to report an invalid debt.
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been a victim of Identity theft- for which, such person [ s ] used my credit multiple times over the years by opening several accounts that have flown under the radar- until now. It wasnt very much money at first, thats probably why it was never noticed, but here recently I have been trying to purchase a home, so I started looking at my credit report more closely. In XX/XX/XXXX - I discovered that the following Accounts have been opened Fraudulently or by some other means for which is unknown. ( XXXX ) XXXX XXXX XXXX {$9600.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXXXXXX XXXX {$1200.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX {$0.00} Acct # XXXX Opened XX/XX/XXXX. These are the 3 Accounts that are recorded on my Equifax Consumer Report that correspond with some of the accounts ( 3 out of 4 ) that are referenced on The Federal Identity Theft filing. 
***IMPORTANT NOTICE*** Equifax has partially complied with the prior complaint by deleting one ( 1 ) frivolous account, but there exists, 3 more accounts that are violating my civil rights via FCRA 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I am an XXXXXXXX XXXX XXXX Veteran who was let go from my job on XX/XX/XXXX. I started to get further and further behind on my loan. In order to continue making my loan payments, I requested a loan reduction around XX/XX/XXXX. I was assigned a Home Preservation Specialist whom over the course of this process I communicated with through email and multiple phone calls. I spoke to my Home Preservation Specialist several times over the course of this process. During the process, she misguided me on my loan. I trusted the financial expertise of Wells Fargo and the Home Preservation Specialist assigned to me. I did as she asked and made payments when she advised and also held off payments until the restructuring was complete. Wells Fargo reached out to me on XX/XX/XXXX via email and informed me that I was not approved for assistance with my loan repayment. I responded by informing my Home Preservation Specialist that upon review of the paperwork, my income information was not correctly listed. Wells Fargo responded and informed me I could appeal the decision but once again I was denied. I was shocked and emotionally distressed when I received a letter from Wells Fargo offering me the option to short sale to avoid foreclosure. In order to save my home, I filed for Bankruptcy with little to no debt, only my home mortgage. Wells Fargo not only ruined my credit but destroyed my marriage. The support of my family helped me to get through this stressful time. As a Veteran who did not hesitate to serve my country, I was disgusted by the actions of this bank. The XXXX XXXX XXXX has helped me and continues to help me deal with the issues that have arisen from my time in the military and from situations like this. I understand now that I am one of the lucky few who was able to save their home by refinancing through a veteran-friendly company after my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

I've called all these companies and told them I never applied for or tried to open a account with them and I never authorized a hard inquiry from them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no written contract with this company and they refuse to send me documentation of any signed agreement between me XXXX XXXX XXXX , XXXX. of Nevada.
Product: Credit card

I received an email to my work email, that I never use for personal finance, that my application for an American Express card was processing. I immediately called American Express customer support to report the fraud. They denied the application. I froze my credit across all major credit unions.
Product: Checking or savings account

I previously had an account with Simple and then closed it. Well, now I am wanting to open another and they will not let me or explain the reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2018 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

This loan originated in 1987 and was originally with Fifth Third Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
Product: Debt collection

My debt with XXXX/Clark County Collected was originally {$2600.00} but was settled for {$1900.00} through my representatives at XXXX XXXX XXXX. My final payment for this account was posted on XXXX/XXXX/16. As of XXXX/XXXX/16 Clark County Collections is reporting a balance on my account for {$660.00}. That is the exact difference between the original debt and the settlement amount. This company is incorrectly representing the debt on my credit report by showing a balance due when the account should be paid in full.
Product: Debt collection

I was a victim of identity theft and noticed a collection from AWA COLLECTIONS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AWA COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

Received call from someone at CBE group asking to speak with me. They identified me by my full name and said they were calling on behalf of another organization, but before they could disclose anything I needed to verify my name and 2 pieces of identifying information including phone number, email, and/or address. I refused and asked what it was in reference to - said they could only tell me it was on behalf of a clinic I visited 2 years ago while living elsewhere. I immediately hung up, called the clinic, spoke to billing manager who indicated that I had XXXX  outstanding balances with them and they never sent my information to anyone. They provided me with a statement attesting to this fact. I immediately called CBE back and asked to speak with a supervisor. They refused to disclose anything without me verifying any personal information. I said no and they said they were beholden to regulations that prevented them from sharing what the debt owed was for. I read verbatim from the FTC site that said they had to disclose amount of alleged debt owed within 5 days of contacting me. I received another call a few days later, going through the same process. They were all located in the Tennessee office- XXXX, XXXX, and XXXX. It is super predatory.
Product: Mortgage

This complaint is a continuation of a previous complaint XXXX Complaint # : XXXX ) on Freedom Mortgage initiated on XX/XX/XXXX. The company made an inital reply on XX/XX/XXXX and closed it with their version of expalnation, which was under no circumstances is acceptable. We provided our counter explanation on XX/XX/XXXX, but it was just posted as feedback and not allowing for further probe and resolution. Here is the continuation of our appeal ( Complaint # : XXXX ), with detailed explanation as to why this needs to resolved as we are in dire straits due to Freedom Mortgage negligience which has caused us financial peril and harassment in this time of pandemic. 
Since XX/XX/XXXX our mortgage payment increased by XXXX dollars per month and since the time of notice on that ( around XX/XX/XXXX ) until just a few weeks ago in XX/XX/XXXX, we never had an clear explanation of the increase in payment. 
On XX/XX/XXXX an escrow analysis was done bhy the mortgage company and they determined a escrow surplus of {$6900.00}. We had no knowledge of the escrow anlysis nor we received any surplus check from the mortgage company. In XX/XX/XXXX, another escrow analysis was done when they determined that I was in escrow shortage, and my monthly payment from XXXX XXXX will increase by {$800.00}. This is a very large amount per month, so we inquired with mortagage company but never got any clear explanation for the next 6-7 months. While we waited, every month we were getting chaged the increased mortgage payment and no one cared to explain this exorbitant hike in the monthly payment. In XX/XX/XXXX I was incidentally provided information that a check of {$6900.00} was issued to me as escrow surplus in XX/XX/XXXX, which I never received. We requested the check and got it a month later in XX/XX/XXXX. We then requsted a new escrow analysis but the company denied to do so until XX/XX/XXXX. We then approached CFPB whihc forced them to do an escrow analysis in XX/XX/XXXX when it got revealed that about $ XXXX was paid out of the escrow for city tax causing shortage. We were probing for analysis and explnation for 6-7 months and all this time I was charged the {$800.00} higher payment whhc has kept us delinquent till date. If we woud have knwon about this and had the check 6-7 months ago we would have deposited back the check and this whole fiasco could have been avoided. Now this negligience and harassment has kept us delinquent till date, and now we have to pay a lot of money to become current.
Product: Mortgage

I stop making a payment for few month ( like 4 month ) for accident and i am trying to Start making a payment again and they not acepte my payment, they put me on foreclusure and making paper for los metigation. I start working againt few monta ago but they dont accepted any payment the want me to pay the total amound.
Product: Mortgage

Prior Complaint # XXXX was wrongfully closed and closed by the bank by committing Fraud or Fraud In Fact and closed for Nefarious & /or Deceptive Reasons. 

This request is is to Re-open the aforementioned case and add to or supplement the additional crimes and violations contained herewith for a just outcome for the consumer. 

Full copy of the original complaint was attempted to be uploaded but was rejected due to size. If youy need original complaint doc 's advise how to bypass the size block and or another method and i can provide them to you..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame on XXXX I sent Experian a letter pertaining to XXXX XXXX XXXX # XXXX. Presently, I have not received a response back from Experian. This account appears to be re-aged and should have been deleted XXXX. The last date of payment listed on older credit reports is XXXX. Enclosed are these older credit reports : XXXX Report # XXXX Last Payment Listed XXXX XXXX  Report # XXXX Last Payment Listed XXXX XXXX Report # XXXX Last Payment Listed XXXX Since XXXX XXXX, XXXX, was the last day a payment was made on this account, than the date of delinquency should have started around that date. Therefore, this account should have been deleted around XXXX XXXX. 

At one point in time, XXXX and XXXX had the credit first account listed but due to the account being past 7 years, they deleted the account off of their record.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 14. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

17. Validate Account XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

20. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

24. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called TD to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. 

I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. 

On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and TD has not restored my points, so I respectfully request the CFPB 's help in resolving this matter.