23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX I need to change my email number XXXX XXXX Could be my new email address XXXX I can't be reached on this phone I can't log in with my old password
Product: Debt collection

I have never been under contract with this company and they are reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from th eir Consumer Advocate center an d they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
Product: Student loan

Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes. 
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.
Product: Student loan

Hi : I had taken a student loan from XXXX XXXX for financing my XXXX  degree. Firstmark Services is the current service provider for XXXX. I have XXXX student loan accounts with XXXX, XXXX for the first year and the other for the second year of study. The money was provided by XXXX in XXXX installments. 

Based on the agreement with XXXX at the start of the loan, I am entitled to 3 years of forbearance period on each of the XXXX accounts mentioned above. I called up Firstmark Services on XX/XX/2022 and was informed that XXXX of my accounts has 12 months of forbearance left and the other has 7 months left. 

However, for the last couple of months the XXXX servicing team is refusing to apply the remaining forbearance period on my account. They are falsely stating that I am entitled to only 2 years of forbearance on each account. 

Furthermore, they are asking for sensitive personal information such as the names of the companies that I have applied for a job to, personal bank statements etc. I have also been informed by external recruiters that XXXX has divulged my personal information to them. This is very disturbing. 

The XXXX servicing team is not authorized to handle my account in any case. After my loans were disbursed, the operations of my account were transferred to Firstmark Services. The current interference of the XXXX servicing team is illegal and I suspect they may not be affiliated with the actual company. It is a very real possibility that the acts of the XXXX servicing team constitute some kind of fraud. 

I have tried to reach the senior leadership at XXXX to gain more information on this matter but have not received any response or reply from them.
Product: Mortgage

In XXXX Ocwen Loan discharged the loan, the house was destroyed in a fire. Despite multiple attempts for the insurance policy documents so I can file a claim for the loss of the property Ocwen has failed to provide this information. Ocwen is stating that they can not find insurance policy, escrow payments and no record of the mortgage, however, in XXXX they issued a Mortgage Discharge to the IRS cancellation of debt for {$53000.00} for property address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received multiple emails from Bank of America ( BoA ) stating progress in opening a savings account under my name. I do not nor have I ever had a BoA account that I have opened. I called them the same day to report the activity and let them know I did not authorize it, they told me they would send me required documents to complete an investigation. I never received those documents via email nor in the physical mail. After receiving a fraudulent copy of a check from BoA in the mail on XX/XX/XXXX, I called BoA to report this and explain that I did not know who wrote the check to my fraudulent account, but it came from a business in XXXX, MD by the name of XXXX XXXX XXXX XXXX After researching the business, I found a phone number and called them to confront the owner about the fraudulent checks in case they or someone they knew had been involved. Upon calling the owner, she informed me that her account had been hacked and someone had written almost 30 fraudulent checks to seemingly random individuals across West Virginia. All of the names the checks had been made out to people across the state. I called BoA with this information and the business owner 's info who was working with me, and they told me once again they would send me documents to turn in to close the account. I never received them. I chatted with their team via XXXX several times and called no less than 5 times to resolve this, each time they promise to send me the documents via email and they never come. Today, XX/XX/XXXX I received an email saying they couldn't close the account because I did not respond to their requests to submit documents needed to close the account. I called again today and was told I will receive the emailed documents needed to close the fraudulent account. I am unsure if I will receive them, and after 5 months of attempting to close this account no one at BoA seems to want to help me. I do not want this fraudulent account or check to be held against me or my credit when I had nothing to do with it and have been making multiple attempts in between my busy schedule as a teacher to get this account closed. BoA has made no attempt to rectify this issue with me in a genuine way.
Product: Checking or savings account

My wife XXXX XXXX and I had separate traditional IRA/CD accounts with State Farm Bank XXXX US Bank recently took over State Farm Bank 's XXXX accounts effective XX/XX/2020. With State Farm Bank, there were no annual fees. But we both just received notice from US Bank that we each owed a {$30.00} annual fee for our account because US Bank charges that annual fee for all accounts containing less than {$25000.00}. XXXX called US Bank twice today and twice was told that the bank could not offer a waiver of the {$30.00} annual fee because of its policy on accounts with less than {$25000.00}. The bank representative said the annual fee was waived last year, during the first year of the account transfer, but now US Bank is sending out notices of the fee. XXXX and I are not aware that we ever received any prior notice of an annual fee. We have XXXX accounts with a number of other banks, and we have never before been charged an annual fee even for similarly small accounts.
Product: Debt collection

Performant  has been attempting to collect on my federal student loan debt for some time, but I am unemployed and currently on a rehab payment plan at a fairly low amount. However, according to some paperwork I signed over 15 years ago, they added 19 % collection fee to my {$91000.00} loan.     They continually call, and I 've stopped picking up the phone because it causes me   XXXX   XXXX  . They mail me notifications that over {$100000.00} is due immediately. However, they recently sent a notification addressed to me to my parent 's address at a   XXXX   XXXX   where I DO NOT LIVE. They are well aware of MY address, because they send me things. The last notice that was sent to my parents ' address, I had a caretaker write on the envelope to " return to sender '' and " remove this address from your records, '' and it was sent back. I learned today that another envelope has been sent, addressed to me at the   XXXX   XXXX  .     I am dealing with   XXXX   XXXX   over this situation, and it 's not fair that almost {$18000.00} in collection fees has been added to an already high bill that I ca n't pay. But trying to get my elderly parents involved is unacceptable. They are in extremely poor health, I 'm an adult ( over  XXXX ! ) and they do n't need to be involved.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of a recent disputed information in my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fined a lawsuit against XXXX alleging systematic issues such as failure to forward customer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither correct nor remove the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX*Balance : {$20000.00} XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$9700.00} XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquires to my credit reports XXXX : XXXX XXXX XXXXl XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY RECIVE A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT AND HURTING MY ABILITY TO OBTAIN CREDIT
Product: Debt collection

I financed a car with Lobel Financial on XXXX XXXX. I fell behind in payments in XX/XX/XXXX ( approximately ). I have recently began to try and correct me credit and came across an closed account with Lobel Financial. The date says it was closed XX/XX/XXXX but the last payment says XX/XX/XXXX. I have not had contact with this corporation since XX/XX/XXXX. I have not any payments since I fell behind. I believe they are attempting to change the date of last action in order to extend the statute of limitation. Which I know is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

my credit has been impacted drastically with these hard increase I have or old accounts that were paid enclosed and makes no sense that I have XXXX open accounts. Also also back when I had XXXX XXXX, they added a piata rent to track. When you pay rent and it dropped my score 40 points I didnt know who to contact in my credit score still suffers please help remove anything. That is a negative inquiry immediately.
Product: Credit card or prepaid card

Amex suspended XXXX of my credit cards, around 2 months ago, for financial review. I sent them 3 years of taxes. They have not provided an update or restored my cards. They remain suspended and I have no idea what the status of the review is. There are XXXX household members who also have Amex cards, but because they earn a higher income than me, Amex treats them more favorably and does not subject them to the same scrutiny and restrictions. Amex has conducted multiple financial reviews of my cards since the first time I became a customer, and I pass each one with flying colors because I have always had income and a stable job, income that only increases each year, I have never missed a payment or had any unsatisfactory record with Amex, but they don't care about that, they just care about making my life difficult while I am in the middle of travels and taking care of my health so I can work and pay their bills. Not sure why they are doing this, maybe because I am of Armenian ancestry, they flag my account all the time despite not having any reason to do so. What are they looking for for so long and so closely? Is it lying around someone's desk gathering dust, or is someone actually reviewing everything? Are they just trying to find a reason to penalize me and are unable to because there is nothing to penalize? It seems discriminatory to me. I would not be surprised if suddenly they responded with a status, and then closed my accounts anyway to retaliate against me for making this complaint. I just want to continue making my payments as I have done more more than half a decade, and use whatever available credit there is on my cards responsibly. Gas is XXXX dollars a gallon, and I take public transportation and walk where I can. I am doing everything I can to live and survive, while the pandemic is ongoing, while I have had to relocate due to XXXX  XXXX perpetrated by the Amex customers from my household, and while I have to work remotely while my work office is closed for over 2 years now through the pandemic. What more do these companies want from me. I am giving them my whole paycheck just to live. This is unfair.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX 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 saw an Equifax customer breach online reported by the news. The company provided a website that said it would tell me if my information had been compromised or not. After multiple attempts to get a clear message on if mine or my husband 's personal information that Equifax is supposed to be protecting and providing to creditors, employers, etc., but got no clear message either positively or negatively. I was just giving dates on when I 'm supposed to sign up for some type of extra Equifax service. And told I would not be communicated about this again. Equifax is NOT handling consumer notification of stolen personal information even after having more than a month to prepare from time of finding out about the data breach and telling consumers who is affected. I still can not tell if my data or my husband 's data was stolen or not. How can Equifax get away with not giving a straight answer after having more than a month to research the breach to communicate to clients better? I would like for Equifax to have to proactively communicate immediately to people whose data has been compromised. I have screen shots of pages for myself and husband that do not say if our data was compromised, but just a date to come and sign up for some extra Equifax product. Please help.
Product: Student loan

Navient has refused to discuss my options as my rate reduction program is coming to an end. I am unable to pay the amount they are requesting starting XX/XX/2018 and they are refusing to discuss or make available any repayment options. The amount they are demanding is so drastic to my already thin budget that it will negatively affect my life and ability to meet my other financial obligations. 

Please reach out to Navient on my behalf and express that their practices are unethical, unfair, and their treatment of their debtors is inhumane, inconsiderate, and unkind.
Product: Checking or savings account

My account was hacked and closed due to a fraudulent check, but the money that was left in the account was never sent to me at all.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation.

Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it. 

Discover financial services got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it.
Product: Mortgage

Good morning, Like every month ; I logged in to my mortgage account online on XX/XX/XXXX at around approx. XXXX XXXX to verify if all recurring payments are correct. 

Payments should be set up as : XX/XX/XXXX XX/XX/XXXX No payments were showing, I immediately contacted the mortgage company - but due to XXXX XXXX 's - the company was closed. 

I contacted them today, XX/XX/XXXX at XXXX XXXX to verify why no recurring payments are showing. I was informed that someone logged in to my account and canceled the recurring payment option and in order to become eligible again- I'd have to submit another mortgage payment 30 days in advance ( even though I've submitted this amount back in XXXX to take become eligible ). 
I informed the agent that I did not log in to the account and I'm concerned of security breach. The representative insinuated that my husband maybe the one who canceled the payments. I informed her that it wouldn't make any sense why he would do so? I also asked why no email or letter was sent out to inform me of the cancellation. She was unable to help me out with my concerns or transfer my call to another representative. After many requests to speak to someone else, she informed me that the only other way to speak with someone is if I call again. I've tried reaching out again- but have been on hold for the past XXXX minutes. 

Please advise. 

Best regards
Product: Checking or savings account

Ive never had any accounts with Bank of America and I was told by Bank of America employee they cant open abs count for me because of my pervious relationship with the bank and that theyve added me to their hot file which means Ill never be able to open accounts with me. I explained the banker and his manager that I was a victim of identity theft provided them with police report and all The necessary documents but they kept telling me they cant do anything, further I called the Bank of America fraud team to tell them the same thing but nothing was done. Ive never had accounts with Bank of America and whatever records they have for me is wrong and fraudulent I need Bank of America to fix everything and remove me from their hot file.