23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had student loans with Navient. When I was started receiving my bills, they wanted me to pay over $ 700/month. I did my best for a while but, as a new grad with another private student loan with Sallie Mae, a federal student loan to pay as well AND living in XXXX ( with very high rents ), I was nearly zeroing out my bank account trying to pay that. I called Navient on numerous occasions attempting to see if I can do an income-driven repayment plan but they kept telling me that the particular loans that I signed up for were not eligible for income driven payments and told me that my only option was to put one or all of my loans in forbearance ( as I had multiple loans ). If I continued to attempt to make the full payment, I would have defaulted so I felt that forbearance was my ONLY option. The forbearance would only last for 3 months so once it was up, I would call back and ask if there was a different payment option, which I was told again that forbearance was the only way to lower my payments. In addition, I was charged $ 40- {$100.00} every time I put the loan in forbearance. I called and asked on the following dates : XX/XX/XXXX where I was charged {$50.00} for putting the loan into forbearance, XX/XX/XXXX where I was charged {$50.00} again for putting the loan into forbearance, XX/XX/XXXX where I was charged {$100.00} this time for putting the loan into forbearance and lastly, XX/XX/XXXX with another {$100.00} charge. They said these payments were required to put my loan into forbearance and would be going towards my loan anyway. Again, they never gave me any other option, which was extremely frustrating as I know those loans are still accruing interest while on forbearance and I had very high interest rates/larger loans. I attempted to talk to a manager/supervisor on one of the calls and that seemed to be a waste of time. Ultimately, I ended up getting fed up with their tactics of forcing me to put my loan into forbearance so I was able to refinance my loans with another company ( XX/XX/XXXX ) but it was not fair to be forced into something and have so much more interest accruing. Very frustrating to look back on and now read all of the stories regarding the law suit, since I went through the same thing. A massive lender like this should NOT be allowed to take advantage of people like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account # 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.
Product: Checking or savings account

Charged my account and then closed it on the public side XXXX XXXX XXXX powers and duties of the banks
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XX/XX/XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dated XX/XX/19, I received notice from LVNV Funding LLC in reference to debt owed of {$750.00}. Please provide validation of this debt per FCRA regulations.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Request for Removal of Late Payment Due to Hardship Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report. The late payment in question is from XX/XX/year>, reported by XXXX XXXX  through the XXXX XXXX  credit builder. Due to an unexpected job loss, I was unable to make the payment on time. This was a temporary situation, and I have since secured new employment. I assure you that this will not happen again. In the event of any future financial difficulties, I have arranged for a family member with saved money to assist with my payments until I can reimburse them. Given the circumstances, I kindly request that this late payment be forgiven and removed from my credit report. Please consider my request and update my credit report accordingly. Thank you for your understanding and assistance. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and their customer service would not help and take care of the negative inquiries reporting to my credit report. I uploaded the affidavits from the FTC for the following. 

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

hi transunion 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 transunion has me at a score around XXXX. That is a huge difference. transunion 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 n 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 us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX  daughter and i started doing my research and 15 usc 6802 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 or other personal consumer reports

I am writing to formally lodge a complaint against the XXXX, Equifax, and XXXX for their repeated failure to provide accurate and fair reporting of my credit information, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite my repeated efforts to address these errors, the credit bureaus have continued to report inaccurate, outdated, and misleading information on my credit report. Specifically : 1. Upon attempting to access their website, my credit report displays a blank entry. Additionally, third-party credit report sites indicate inquiries regarding disputed fraud. Furthermore, I have requested the removal of addresses and phone numbers that are not associated with me, yet they persist appearing on third-party sites. Notably, student discharges are still reflected on these sites. 
XXXX. I have contacted their customer service by phone multiple times. I fax and mailed information they said was required. 
XXXX. I been getting denied for credit cards and loans I need to start my business and improve my life. 

It is apparent that the credit bureaus are failing to fulfill their legal obligations under the FCRA to investigate disputes thoroughly and correct inaccuracies in a timely manner. This neglect has severely impacted my financial standing and reputation. 

I demand immediate action to resolve this matter, including : 1. A complete investigation of the disputed information with all relevant creditors or furnishers.

2. The removal of inaccurate information from my credit report.

3. Confirmation of the corrective actions taken, along with an updated copy of my credit report.

4. My credit report shouldn't be Blank when lenders run my credit and shouldn't show blank when I'm accessing their website. My credit report be updated to the most accurate scores If this issue is not resolved promptly, I will explore all available legal remedies, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ), seeking legal counsel, and pursuing damages.

I expect a written acknowledgment of this complaint within the timeframe mandated by law and immediate action to resolve the inaccuracies.

Attached, you will find supporting documentation, including copies of prior dispute correspondence, proof of identity, and evidence demonstrating the errors in my report.

Failure to resolve this issue in a timely and satisfactory manner will leave me with no choice but to escalate this matter further.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that they purchased from Barclays Bank Delaware. I have never entered into a legal agreement with this debt collector.
Product: Debt collection

Strange account appearing on my credit report. 
XXXX XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection  agency is XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. 
Amount {$160.00} This information has just shown up on my Trans Union credit report. This account belongs to someone else! As per the fair credit report, i placed a security freeze on my credit reports last year because i have random accounts that appear on my credit report that are NOT mine! I have had to obtain an attorney for XXXX  for one account, and i do not want to obtain one for this random account that never belonged to me. Please remove this account as it's defaming my name and credit report. Since the breach of the credit bureaus in XXXX, my PERSONAL INFO has been stolen, this is unfair to me as a good citizen whom pays their bills. Please remove.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through intermediaries named XXXX Venmo in the total amount of XXXX USD utilizing your services.
Product: Mortgage

I sold my home that had a VA loan with my lender MR Cooper in XXXX of 2023 through a VA loan assumption. MR Cooper sent a tax form to the buyer for the entire year of 2023 even though they did not purchase the home until XXXX of 2023. From XXXX until XXXX I paid the mortgage and the associated interest, but when the loan was assumed all records were transferred to the buyers account and MR cooper refused to provide me with a tax form to show the interest that I had paid on the loan. 

Additionally I believe MR Cooper intentionally complicated the loan assumption process causing the settlement to take much longer than necessary. Several times I was told by MR Cooper employees that I was not eligible for a loan assumption and that I should cancel the contract and do a direct sale. Clearly I was able to complete the loan assumption but believe that MR Cooper took steps to deter me.
Product: Debt collection

Monday morning XX/XX/23 I received a phone call from a Lady who claimed to be with ERC Collections telling me that they were attempting to collect a debt that I owed XXXX ( company that provides telephone service ) {$750.00} for a past due phone bill. I told her this bill was fraudulent because I have not ordered any service or items from XXXX. She told me they would send me information how to make a stolen identity fraud report to them. I don't use XXXX for my phone service. I use other companies that are more reputable and don't overcharge their customers. In the past few years XXXX has sent me Three fraudulent bills. The first one came directly from XXXX. The second fraudulent bill came from XXXX collections, and this fraudulent bill came from ERC collections. The first two fraudulent bills were cleared through the State Attorney General 's office and the XXXX XXXX XXXX. I am taking the same action on this third bill but I thought to start taking more serious action by notifying the Consumer Financial Protection Bureau. I feel these companies should be held accountable for sending out Fraudulent bills to XXXX XXXX XXXX XXXX. I also feel these companies are trying to steal money from people that do not owe them money. Can the Consumer Financial Protection help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB personnel, I urgently need your help. I have good 750+ cXXXX XXXX both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. 

Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Below is my letter to Experian : XX/XX/2023 RE : EXPERIAN BANKRUPTCY DISPUTE I have previously disputed US BKPT CT MD XXXX ; Reference number XXXX ; with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. The Bankruptcy clerk stated : THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). 

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

Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are XXXX XXXX XXXX I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
Product: Mortgage

Here is a copy of the letter I submitted to our mortgage servicer, Nationstar. After further research, Nationstar did contact our county for the tax amount, however, nobody seems to be referencing the figures shown on our XXXX, which reflects amounts necessary to cover our escrow needs. That is my chief complaint. 

Letter to Nationstar-After repeated, unsuccessful attempts to speak with a supervisor regarding our concern, I 'm now attempting to make contact and get answers this way. I want to dispute the increase of our payment based on a faulty escrow analysis performed on our account. According to the CSR 's that I have spoken with, an analysis was done, and revealed that we were short roughly {$2000.00}. This was based on an analysis that was done in XXXX, and based on an amount paid to our taxing authority, XXXX County. Had your analysis been done correctly, it/you would have discovered that the amount you paid to the county was for the last 2 months of XXXX, therefore making it a faulty analysis. Had you done the analysis correctly, you would have contacted the county, or perhaps even read the HUD1, and discovered that the amount to be set aside should have been $ XXXX, or {$2100.00}. An amount that would have more than covered the tax bill. I will not accept, nor be responsible for paying in the rears, and making up for an error made by your company that appears to coincide with your purchase of my loan, and shows the incompetence of Nationstar to properly service my loan. We will continue to make the necessary payments in an amount that will satisfy all current needs on our mortgage. Any shortages from XXXX can be absorbed by your company as a result of your own error. Figures below are based on Escrow Disclosure Statement dated XXXX/XXXX/XXXX, and the original HUD1 from our purchase of the home. P & I- {$900.00} Escrow- {$180.00} Homeowners- {$83.00} ( an increase over the HUD1amount of {$54.00} to cover actual insurance costs with Travelers ) MIP- {$200.00} Total- {$1300.00} This is the amount you will receive on our due date of XXXX XXXX, XXXX unless I hear from you with another option to correct this mess. If this does n't initiate some dialogue, then I 'll be submitting a legal QWR to resolve the issue. Thank you, XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I returned Toyota Camry for end of lease. Prior to lease i had an inspection which determined tail light crack and damage to tire. i had both of these replaced prior to return. In early XXXX toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. now almost two years later Toyota submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is very apparent that they prey on consumers after they expect their records to be long gone. the collection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX A Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces.

+ was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Hi, I used my Amex credit card to purchase service from XXXX on XX/XX/XXXX. On XX/XX/XXXX, I saw there is a charge of {$150.00} from XXXX on my Amex credit card statement. Since I no longer want the service and did not want recurring charges, I tried to ask for refund from XXXX. XXXX said this charge is nonrefundable, so I filed a dispute through Amex. Amex. Amex refused to credit back my statement. My first payment with XXXX was on XX/XX/XXXX via XXXX XXXX, it was a one-time charge for the whole year service, and I did not agree on recurring charges. I hope CFPB can help me get my money back ( in the amount of {$150.00} ). My Amex dispute case ID is XXXX. Amex did not investigate the transactions thoroughly and is not trying to resolve a customers issue. 

Best, XXXX