23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was attending a private college, XXXX XXXX College, for XXXX. The school is closing and I am unable to continue due to their closure. I have accumulated a large debt from financial aid and needed to figure out how to pay it off. I thought I was dealing with the actual Department of education about my loans, trying to consolidate them. The company The Student Loan Help Center ( TSLHC ) said that I needed to pay {$790.00} for this service. Of course I ca n't afford this so they set up a payment plan of 4 monthly installments. After the second payment went out I recieved a notice from the Department of Education ( DOE ) stating that my Power of Attorney was declined. I called the DOE and was informed by XXXX of the reps that they provide this service for free and the TSLHC is a 3rd party debt relief company scam. I called my Bank and faxed the letter stating the declination of my Power of Attorney. My bank reversed the charges and changed my account # so they would not have any further access to my funds. 
I was contacted by the TSLHC asking for the third payment, I stated I needed to discuss this with the DOE. I then called the DOE and again was informed not to speak with TSLHC, to call the State Attorney General and file a complaint of a 3rd party debt relief company scam. I did this and was redirected from the Attorney Generals office to contact the Consumer Financial Protection Bureau and place a complaint with them. 
If you need any further information you may contact me. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX New Mexico XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised from the XXXX XXXX XXXX XXXX XXXX XXXX data breach that occurred on XX/XX/2018. I reviewed my Experian credit report and there are fraudulent and unauthorized credit inquiries listed on my Experian credit report that are fraudulent, unauthorized, not mine, and from the XXXX XXXX XXXX XXXX XXXX XXXX  data breach. The Following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.
Product: Debt collection

Direct Recovery left a message on my cell phone stating I had ignored their attempts to collect on a debt. Their phone number is XXXX and occurred on XX/XX/2018 at approximately XXXXXXXX XXXX. I keep my bills paid and suspect the caller to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

18 U.S.C 1028 ( d ) ( 12 ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts ) 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: Credit reporting

I have no morage taken out in XX/XX/2014, because I do n't have a home to take a morage out on I own a trailer house. Also I no longer have a loan out on my vehicle it was repossessed and sold by XXXX.
Product: Mortgage

I put in an insurance claim on  XXXX   XXXX  for a property I have I Virginia, due to the extent of the damage a check was issued in the amount of {$8100.00}. The check was issued in both my name and the mortgage compa ny Ocwen Loan Servicing. I paid the contractor with my own money in order to speed up as I had to send the check to Ocwen to be endorsed, I notified them that the contractor wa s paid and provided proof of doing so. I also made them aware that the check for the full amount need to be made out to me, they assured me that would be done. They then sent me a check made out to The Estate of  XXXX   XXXX , The Estate of  XXXX   XXXX  and myself. After a lot of back and forth they sent me an envelope to return the check because The Estate of  XXXX   XXXX  was no longer on the loan and there is no way the check could be deposited. It has now been an additional  4 weeks and Ocwen Loss  Draft division has not returned the check with the corrected names, I spoke to a manager on  XXXX   XXXX  and was told that the check was cut and just waiting on shipping. Called on the  XXXX  and was told that it take s 3 to 5 bus iness days to process shipping, called on the  XXXX  and was told to call back on the  XXXX  for my tracking number. Called on the  XXXX  and was told that it 's still waiting to be picked up by  XXXX  and I should call back on Tuesday  XXXX  to get my tracking number, when I called today I was told that the check was not printed because their printer is not working and there 're not sure when it going to be up and running. I feel like the are just giving me the run around and do n't want to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Pe

r FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022 There is information that on my consumer report that is a result of identity theft I did nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting af this information be blocked and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX} XXXX5 usc subsection 1666 ( b ) states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Debt collection

To Whom it may concern, Brown 's Collection service has not validated or verified any thing with regards to the debt be allegedly owed by my person to their company. The proof needed for this particular debt is the blue ink signature contract that I signed with Brown 's Collection Service stating that I, XXXX XXXX, agreed to this debt, agreed for the adverse affect of Brown 's Collection service actions as they reported a debt that Brown 's Collection Service bought and chose to pursue me under their own volition. The debt is legally owned by Brown 's Collection service and their claim or right to pursue me is null in void due to various acts and laws protecting consumers from these particular types of practices. If the debt and the reporting ceases and desist, I will not pursue legal action. If the collection activity persist I will be forced to legally and lawfully protect myself by pursuing a civil law suit for defamation of character, and various violations to my consumer report.
Product: Student loan

I have a student loan being managed by EdFinancial, and starting in XX/XX/XXXX I set up an automatic repayment plan ( they call it XXXX ) to pay off my loan in regular monthly payments. I received a notice from EdFi in XX/XX/XXXX that per Department of Education guidelines my interest rate would be dropped to 0 % due to the pandemic ( PDF attached below ), and that I could opt into loan forbearance if I chose to. I decided not to do this, as I wanted to pay off my loans as quickly as possible and I realized I could pay off my loans faster with a 0 % interest rate. 

I just discovered that EdFinancial stopped my automatic payments back in XX/XX/XXXX anyway, without my permission, and the only notice they provided was buried in an email with the title, " Important federal student loan flexibilities ( PDF attached below ). I have since restarted my monthly payments, but I now find that the payment amount is locked at the minimum required, and to change it I need to call them and speak to a representative. 

XXXX realized they wouldnt be making money off their students loan holders while the 0 % interest rate was in effect, so they took unilateral action to change loan holders ' payment settings, buried important information, and did not provide clear notice of the impact of these actions. They are still currently making it harder for folks to restart automatic payments by disabling the online feature that lets loan holders specify how much they want to pay monthly. I was told by a customer service rep that the feature would be enabled again once the CARES Act is no longer in effect, in XX/XX/XXXX. This is morally and ethically wrong, and deceptive. It took me 17 months to realize this, and Im sure many loan holders are still unaware that this has happened.
Product: Mortgage

Multiple attempts to receive affordable modification from Wells Fargo. Multiple responses from Wells Fargo to pay mortgage payment with a {$20.00} reduction, the payment requested was more than my salary and work commute fees. Housing speciallists, state agencies, and attorneys requested Wells Fargo review documents, and all responses were generalized without accurate reviews. Multiple requests to cfpb to look into this without success. Just received {$200.00} XXXX XXXX  check and letter from Wells Fargo that review was inaccurate and an apology for any impact to me. I was forced to sell my home for a reduced price, impacted my family and my credit, embarrassment throughout the community, and I am still trying to recover from the damage Wells Fargo caused by ignoring proper review procedures even though it was outlined by XXXX  and state agencies that they were in error. I submitted another complaint and cfpb review and received a cookie cutter response from Wells Fargo now saying no error, but I have a letter from them admitting errors. CFPB closed the complaint once again without review. How can Wells Fargo be allowed to conduct business when they are impacting people in this way with their unethical business practices? When does CFPB take these requests seriously? I thought a letter from them admitting errors would show CFPB that they need to investigate, so how is the complaint closed?
Product: Debt collection

There was an eviction filed against me on XX/XX/XXXX by XXXX XXXX XXXX. I appeared in court to answer the claim and agreed the debt was legitimate however, I was not in a financial position to pay at the time due to my employer cutting my hours, less leaving me unable to maintain the cost of my residence. I agreed to vacate and did so by XX/XX/XXXX. A judgment was filed against me on XX/XX/XXXX by XXXX XXXX XXXX. In that frame of time, Rent Recovery Solutions contacted me to obtain payment as the debt collectors representing XXXX XXXX XXXX. At that time while speaking to the Rent Recovery representative she erroneously notated my account stating that I said I was in bankruptcy. I have never in my life been in bankruptcy. Unfortunately, I have tried for the past 2 years to explain that was an error on Rent Recovery behalf and that I would like to pay my debt owed so there is no unpaid judgment on my credit report. They have refused every time I have called to speak with someone to obtain a letter of validation of debt and discuss payment options. They state every time, their unable to discuss my account any further and I need to have a legal representative call to discuss my case. I have asked for them to send validation of debt to show an attorney, they still refuse to send any information to me. I recently called Rent Recovery Solutions on XX/XX/XXXX and the representative stated that I need to have a bankruptcy lawyer call them and provide proof of no bankruptcy. That just doesnt make any sense. If Ive never nor am I in bankruptcy why would I have a bankruptcy lawyer call? I have been trying for 2 years to pay this debt so that I can apply for a new residence but unfortunately this discrepancy is hindering me from living independently. I just want to pay my debt owed and receive a written proof of payment. I shouldnt have to suffer because someone from their office made an error.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out via mail to XXXX and Experian regarding these accounts DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$6600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3800.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$7000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reporte is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

XXXX and Experian did not send me the results of their investigation and why they are reporting incorrect information.
Product: Checking or savings account

I was sent and charged for an item of women 's clothing that I never ordered from an online company called XXXX. The weird part is, I was shipped the item, but again- I DID NOT order it! I immediately opened a dispute claim with my bank, Chase, and tried to contact the company XXXX on multiple occasions to see how to return the item so that I can get my money back. My bank initially credited me back the {$43.00} charge and cancelled that debit card, but as of yesterday, they have once again charged me. When I called Chase Bank, they stated that dispute was overturned and there is nothing more that they can do to help me and that I would have to take it up with XXXX. I tried to explain to them that I have tried on multiple occasions but have had no luck. There is only an email address, not a customer service phone number that you can talk to a live person or leave a voicemail at the company XXXX. I am a XXXX XXXX  student and this money was stolen from my high school savings account. I am saving to pay for a car and college and am very frustrated and upset.
Product: Debt collection

This company MRSBPO never contacted me about a debt from XXXX XXXX XXXX XXXX account XXXX for the amount of {$330.00}. 

As of XX/XX/XXXX, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX XXXX. 

I have never signed an agreement for my information to be shared or sold to MRSBPO, nor do I have a contract nor have I ever signed a contract with XXXX  or MRSBPO. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to XXXX XXXX and MRSBPO. This must be written, original documentation, not electronic forms or scans. Again note that this account with XXXX XXXX has already been disputed on several occasions in regards to it being a result of identity theft. My information was leaked as part of the XXXX XXXX in XXXX. ( see attached documents ) In XXXX of XXXX my information was found to have been leaked online, which would be a result of the breach with XXXX. ( see attached documents ) This leak included and not limited to my name, address, email, phone number, ssn, dob. 

I have filed multiple disputes and complaints to CFPB, XXXX, FTC and Attorney General XXXX. 

Because of the constant lack of care and responsibility on all parties, I am requesting XXXX cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request XXXX XXXX and XXXX cease and desist all attempts to collect this debt further. Please advise XXXX XXXX to cease and desist reporting this charge off to the credit reporting agency XXXX. 

Thank you for your time and attention to this matter.
Product: Mortgage

My complaint is with Specialzed Loan Servicing, LLC. I had difficulty paying my mortgage with this company prior to them giving me a loan modification. Even though they later approved a loan modification for me, they did not remove my prior late payments from my credit report. After I got the loan modification, they stated that I have to pay a huge balloon payment on the loan in the future. I have tried to refinance my loan but can't get one because Specialized Loan Servicing still has those late payments on my credit report and it has already been many years since I've been late. I need to refinance my loan because I won't be able to pay the balloon payment but my credit score can't increase because of the mortgage company not removing those late payments. Please ask them to remove all of those late payments from my credit report so my credit score will go up so I can refinance my mortgage. Thank you.
Product: Checking or savings account

I am a Credit Karma Member. I have received several invitations from Credit Karma to use this service : Credit Karma Money, using your Credit Karma Visa Debit Card** gives you the chance to have purchases up to {$5000.00} reimbursed. 

Their email ( attached ) has the following Disclaimer : *NO PURCHASE NECESSARY. Sponsored by Credit Karma , LLC. Ends last day of month. Entrants must be at least age of majority & legal resident of 50 US or DC ( except XXXX XXXX XXXX residents are not eligible ). Void where prohibited. To enter, use applicable debit card or enter by mail to Credit Karma , LLC, XXXX XXXX XXXX XXXX, NC XXXX. XXXX XXXX at https : //www.creditkarma.com/lp/ik. 

**Credit Karma Visa Debit Card issued by XXXX XXXXk XXXX XXXX XXXX Member FDIC XXXX pursuant to a license from XXXX XXXX XXXX XXXX terms and conditions apply. 

***Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX FDIC XXXX Maximum balance and transfer limits apply. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Karma, and XXXX XXXX are refusing to open a account, claiming they are unable to verify my identity, and provide no process for me to provide them with what is needed for them to do so. ( see attached email and support email reply ). 

I am a member of Credit Karma, I use their services to check my credit every month. I have a registered user account under my email with them XXXX This is discriminatory action on behalf of Credit Karma, to send offer letters, but fail to provide a verification process, that they claim in house to not be able to verify to open a credit karma money account.