23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We began repaying student loans with original balance of {$25000.00} in XXXX of XXXX. Payments were set up on bill pay at {$150.00} per month which was paid on the 15th of every month through current. We received a past due notice of 60 days and immediately called to discover the loan was on a graduated plan where it last increased XX/XX/XXXX and we were not sent notice by mail until now 18 months later. Calls to customer service representative said it was our responsibility to login and monitor the account online ... We also discovered they have been allocating money from the $ XXXX  monthly payments towards late fees since XX/XX/XXXX and we still have late fees due close to {$300.00}. Further, looking at repayment balances after making payments every month for over 6.5 years ... the outstanding loan balance is {$30000.00} due to capitalized interest! We understand if we missed or did not understand the graduated loan step-up in XX/XX/XXXX from {$150.00} to {$170.00} per month, but there are four significant issues that constitute predatory lending : 1. We should have received notice by mail of escalated payment due before XX/XX/XXXX ; 2. We should have been notified by mail of every late fee/ short payment that happened to give us the ability to correct the issue immediately ; 3. We understand amortizing loans and have been paying back the student loan in good faith for 6.5 years which should have reduced the principal balance from the original loan amount. For this we have not received an explanation from Nelnet for the capitalized interest other than to refer us to the promissory note. They have not provided us with a promissory note to review nor do they have online where we can review ; 4. My personal credit score has been impacted for past due loans without notice. I have always paid accounts as due and it is easy to document we thought we were paying as agreed in this case. I have no issue repaying the loan with reasonable interest, but can not comprehend the additional fees and credit damage without contact by mail and compounded further by capitalized interest in excess of {$6000.00}. 

There are significant disconnects with common loan practices at Nelnet and with their communication to clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Payday loan, title loan, or personal loan

There is disagreement over non-receipt of funds from loan applied for and approved in amount of {$6800.00} with Avant, they claim non-receipt of funds is fraudulent when I applied for loan myself, provided income information, social, etc.. The issue appears to be technical in nature, funds sent to incorrect account, Avant disagrees and insists it is fraudulent by providing a fraud packet which they claim they emailed and never received ... Error appears on end of Avant, funding incorrect account.. Regardless of fraud or not, the loan amount, {$6800.00}, plus interest will not be paid due to non-receipt and extortionate interest rate which if paid by term end, doubles loan amount to around XXXX I do not have terms available to me at this time, as I recall, the total paid would come to over double loan amount... I've checked into some reviews of Avant, mostly negative with mention of same high interest amount which they appear to charge everyone whom is approved regardless of credit score... Prior complaints were filed in regard to their extortionate rate, unresolved. Their rep, XXXX XXXX, defended their rate, regardless of credit score, nothing resolved.. Despite high rate and non-receipt of loan, payments were made and ceased due to unresolved issue with high rate and further, non-receipt of funds.. Avant replied to last CFPB complaint referring to prior contact made by myself, no mention of non-receipt of funds which is irrelevant, no further payments will be made... Avant provides number to call to make payment which as stated before in prior CFPB complaint, no further payment ( s ) will be made... Please advise Avant to accept payments already made prior as settlement, remove account from credit reporting... If not, account will fall off after seven years, all derogatory information removed...
Product: Debt collection

Collection agency has not provided validation information under Section 1006.34 ( b ) ( 5 ) but yet they had placed a collection on my Comsumer report.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help regarding an incorrect account shown on my credit report. This has been detrimental to my reputation, and I require your assistance. The bureau must update the records and remove the inaccurate information to prevent further damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in central FL which was considered a disaster state after Hurricane Irma. My other credit card companies were not reporting late payments until XXXX. I thought I made a payment to my Kohls card earlier in XXXX, but for some reason it didnt post. I completed it again on XXXX. Shouldnt the reporting been on hold based on the provisions provided by the Federal Government?
Product: Credit reporting, credit repair services, or other personal consumer reports

Why did you ( CFPB ) close my complaint # XXXX? It has still not been resolved.TransUnion failed to respond within 30 days and did not remove all of the items I disputed according to the Fair Credit Reporting Act ( FCRA ). When TransUnion did not respond, they are required " By LAW '' to delete ALL disputed items. They have not done so, and failure to do so will result in a {$1000.00} fine per undeleted item. I will be pursuing Legal action with XXXXXXXX XXXX  XXXX XXXX  if the correct action is not taken. This is my last attempt to completely fix this clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I made a purchase of electronics and furniture at XXXX 's XXXX. The purchase was financed through Conn 's Credit Corporation IncXXXX and included a Pac-Man Legacy video arcade game for {$640.00} and 6 dining room chairs for {$140.00} per chair, plus a delivery charge of {$140.00}. The finance agreement also included an insurance policy which I was told was required but could be canceled with proof of homeowners insurance. I was able to pick the arcade game up from the XXXX 's warehouse that same day. The store promised to deliver the XXXX dining chairs the next day on XX/XX/21. The items were not delivered as promised and so I returned to the store on XX/XX/21 and requested a refund for the dining chairs. In addition, I requested a price match guarantee credit for the video arcade game and provided proof of homeowner 's insurance policy and requested cancelation of the XXXX 's insurance coverage. The store provided an invoice with a credit of {$210.00} for the price match guarantee and credit of {$1000.00} for the dining chairs. I was advised by the store XXXX, XXXX that I would receive a new payment schedule in approximately 30 days. I received the revised payment schedule reflecting monthly payment amount of {$28.00} as well as proposed life and disability insurance documents issued by XXXX XXXX XXXX XXXX XXXX of Florida with proposed premium in the amount of $ XXXX.I did not request nor approve life and disability coverage.
Product: Credit reporting or other personal consumer reports

These are my repeated attempts to inform you that I've fallen victim to identity theft. I'm contesting certain entries in my document resulting from this crime. These entries do not correspond to any transactions I've initiated or authorized, involving the acquisition of goods, services, or money. If disregarded, I request the removal of any significant information related to alleged fraudulent or extortionate activities from my credit record. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX Owed : {$550.00} XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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. 
XXXX  Account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) 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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$3500.00} INQUIRIES : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM *****
Product: Mortgage

I have had a mortgage with XXXX and with SPS Loan Servicing Inc since XX/XX/XXXX 
I had a complaint which I submitted to CFPB in XX/XX/XXXX which was never resolved. 
I signed a Mortgage Modification with XXXX in XX/XX/XXXX and then subsequently with SPS Loan Servicing in XX/XX/XXXX. I have stated to the mortgage holders that my signing modification documents would not alter my claim against XXXX and this claim was initiated before I signed any modification agreement with XXXX and subsequently SPS. 
I am disputing any arrearages that SPS is now claiming from me because they have not addressed my past claim against XXXX. Please see enclosed letter dated XX/XX/XXXX wherein I have stated that XXXX capitalized our mortgage balance by {$170000.00} since XX/XX/XXXX which outlines the basis of my claim. My past claim number with CFPB was XXXX and it was not resolved with XXXX. I have substantiated these amounts with bank statements and escrow statements from XXXX and submitted them to XXXX. It was my understanding that XXXX submitted the documents to SPS when SPS assumed loan servicing of my loan in XX/XX/XXXX. According to my records, XXXX and SPS owed my mortgage account the amount of {$100000.00} for capitalization of erroneous amounts from payments not credited, excessive interest charged, and excessive escrow charges to the account. 
I have another dispute with SPS in that they have sent me a Cancellation of Debt Notice for {$210000.00} for the year XX/XX/XXXX. I have received a letter from SPS regarding XXXX on my loan for which I did not qualify and for which SPS granted the amount of {$71000.00} and not {$210000.00}. I have requested them to correct the debt forgiveness amount and so far I have no cooperation from them. 
Please see enclosed documents substantiating my claim against SPS. 
They have been submitted to your office in the form of a scan. 
I am requesting SPS to immediately correct the debt forgiveness form and to credit my mortgage account with the amount I am claiming since XX/XX/XXXX when I first contacted XXXX regarding this matter. My former CFPB claim number was # XXXX. 
Respectfully submitted, XXXX
Product: Checking or savings account

In an effort to set the foundation of this matter please note for the last 18 years I have been a XXXXXXXX XXXX XXXX XXXX  and there are numerous times I'am out of the area XXXX XXXX XXXX XXXX. Moving forward in or around early XXXX of XXXX, as my accountant was preparing all my documents for tax season, it was brought to my attention two withdrawls that were not accounted for. Upon recieivng this information, I immediately went to my nearest branch to request the information in question. In addition, upon outlining the situation at hand, I was instructed to contact US Bank and their fraud department to start their process. Upon opening my intial claim over the phone, I was instructed to return to my local branch to review and sign some forms. 

Upon my arrival back at the branch and after carefully reviewing the documents with the Bank Manager and my Accountant it was apparent that my signature was fradulantly used and forged on two seperate checks. Based on the information presented, and the fact that the first check only appered and showed ( XXXX ) on my line statement with the second check showing ( XXXX ) which was out of sequence it was virtually impossible to notice the forgery until actual copies were pulled and copared to my actual signature. Based on the fact ( s ) I was instructed to file a formal police report which upon meeting officer XXXX XXXX he clarly noticed that the signatures in question did not match and the check numbers were out of transactional sequence. After taking all supporting documentation and signing my Affidavit, I was told I would be contacted to pick up my report upon their investigation. A few days later, based on the information provided to me, I emailed and faxed All insformation to US BANK at XXXX and even faxed the documents to XXXX. 

It has now been several weeks since this information has turned my world upside down as the money in question was for my XXXX XXXX XXXX. In addition and after discussing the matter with the Bank Manager, XXXX XXXX, and my accountant I'am at a loss for words why the forged signatures were not picked up by the bank and rejected based on the amounts themselves. Moreover, the branch manger told me that US Bank had an obligation to pick the forgery up under UCC-4-401 which states if a forged instrument existed the instrument could not be properly paid. She even went so far as to write that information down to supply to law enfrocement of US Bank if requested. 

In closing, it has now been several weeks and I have not received even a phone call or letter and I have had to call in multiple times per week to check the status only to be told its on the last bar whatever that means. In addition to having to close my account ( s ) down, close numerous credit cards and place security freezes on all of my credit files no monies have yet to be redeposited or credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for LCI consumer reporting company a request to disregard the sharing of my credit report sharing. This company shares consumer credit information. This company holds documents that can show up on my credit report that can be embarrassing which could cause harm against my financial wellbeing. 

LCI does not make my credit profile available to me, even though my personal information is held within their company. LCI does not allow a consumer to freeze their credit shown within their database. I Dispute these actions. This is a violation of the FCRA which states a data furnisher of credit must respect consumer credit reporting laws. LCI is not above they law! LCI does not have my permission to share, obtain, nor store my credit information at anytime. 

I sent LCI a request to remove my information on XX/XX/19. LCI respneded XX/XX/19 that they are not a credit reporting agency, saying that LCI does not participate in credit reporting acts. This is false! LCI was found on a credit board being reported by a consumer to sharing bankruptcy information. 

LCI sent me a dishonorable response.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. These entries resulted from a data breach, which compromised my personal information. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove fraudulent information upon request. 
Fraudulent Accounts : 1. 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.