23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had private student loans with XXXX XXXX that were sold and transferred to Firstmark ( a Division of Nelnet around XXXX of XXXX. I am currently in XXXX XXXX, and some of my private student loans from my XXXX college loans had run out of standard forbearance time while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data from XXXX XXXX XXXX. I was last approved for this in late XXXX XX/XX/XXXX with XXXX  data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX XXXX message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website XXXX XXXX XXXX XXXX XXXX as well. My loans have been NOT been consolidated, refinanced, or otherwise modified with Firstmark, so XXXXXXXX XXXX terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left I know this, its why I had a hardship forbearance to begin with. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, and that they should have all of this on file, I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They refuse to look into the original terms of my loan and keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue ( or even contact me! ) and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Product: Mortgage

It started at XXXX Putting an application in for the principal reduction program. They transferred my account to SLS .I had Hud and KYHC trying to help but I had 3 years of taxes to file before they could complete the app.I could not do that in time so they had to close the case. I searched and found American Foreclosure Prevention ( AFP ) .First we did my tax returns, then completed the app to submit to SLS. I was approved for the HAMP TIER 2 Program.. Then I had to make 3 trial payments of {$2000.00} on time starting with XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX before SLS would send permanent documents to sign. I kept in close contact by calling 2 times a week for status updates. my single point of contact kept telling me its still in underwriting but it should be by the end of the weekEven on the day before I was denied he said I should have the documents to complete this approved loan. Before XX/XX/XXXX I get an email from SLS stating I was denied.I replied instantly with a letter denying what they said I did.They blamed me for withdrawing my application.I was on fire! That was their only excuse for the denial listed.Then I called them and XXXX, my contact, was not available so i was hooked up with agent XXXX who told me it had to be a mistake, put me on hold.She came back trying to explain that there was a mistake by the underwriters for approving the loan. I was furious because I thought I had already proved I could make the payments and had secured a fixed at 3.625 % loan with a principal reduction set to the current market value of {$380000.00}, their written appraised amount. So, I had my 3rd party XXXX XXXX from XXXX get back in this mixed up loan denial of approved loan extended mistaken discussion. All SLS did was made several delayed pass the buck around to put me closer to the deadline of a foreclosure sale date. They only gave XXXX choice. Start over by reapplying and updating the documents puting in a new intention form to keep my house and so on. I thought that was not going to help. They already have proven to me what they are capable of doing by putting me as the blame. I did not withdraw my application and should not have to start over. XXXX insisted I start faxing him updated bank statements and all the documents that are required. Meanwhile I start receiving letters from SLS that include me already applied but are missing documents. Another notice saying they received the other needed docs and evaluated me for several loan that were all denied. Again I am told I applied the XXXX time and getting denied for the HAMP loans but approved for Their StandardTrial to Modification loan. That has terms of a step XXXX arm which basically is mostly @ {$2700.00} with a balloon in XX/XX/XXXX of {$250000.00} ... Also the unpaid principal jumps to {$730000.00} from {$570000.00}. Does this sound more affordable? SLS wants my decision by XXXX/XXXX/XXXX
Product: Mortgage

multiple requests were sent to lender and escrow company to rectify the situation. Following my previous complaint that escrow company had been withdrawing funds out of my escrow account but property taxes were being paid to the incorrect parcel, the escrow company then paid the back taxes and penalties and interest by over-drawing from my escrow account again - essentially thus double withdrawing funds from my escrow account. 

My escrow account to them now shows an underfunded account and the company is now forcing me to make additional payments to on top of my normal mortgage and escrow payments. It is resulting in additional {$500.00} per month of payments for a mistake that the escrow company made. 

I have requested on multiple occasions and over multiple emails for them to correct this urgently. I only receive emails of acknowledgement with no action. I have called the lender and spoken with their " executive resolutions '' team who indicated to me the only interim solution is to spread out my " underfunded '' escrow payments out to minimize the cash flow issue ; however, even after that " resolution '' offered, they still continue to overdraw my account by {$500.00}. There appears to be no end in sight...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to 3 credit bureaus for inaccurate information and i haven't received any response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XX/XX/XXXX SYNCB/GOOGLE XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is with Equifax. 

Seven hard inquiries continue to be reported on my credit report. I have sent several letters including a fraud report confirmation number, Fraud report of identity theft, and Equifax information breach report to Equifax  requesting removal of the following fraudulent hard inquiries from. 
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

Upon reviewing my credit file, incorrect items were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  - XXXX ) XXXX Balance : {$420.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CERTIFIED CREDIT REPOR XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.
Product: Money transfer, virtual currency, or money service

I recently made a transaction with Transaction number : XXXX to my sister via Xoom, a XXXX entity, of amount {$1800.00}. It is very urgent because one of my relatives is severely sick and needs help. Xoom has been hostaging my money for the last six days without any notification although Xoom claims to deliver money within 24-hours. After five days when I contacted them, they said they are still reviewing, and before that, they did not give me any update regarding the transaction while my sister is waiting for the money. The transaction is still pending. This is ridiculous. Note that Xoom has a history of discriminating based on people 's names and religion. I hope the government will seriously look into Xoom 's customers ' reviews and policies. They are claiming their service is fast which is a blatant lie.
Product: Checking or savings account

Opened an account with Bank of America. Funded it with just over {$1000.00}. They closed it a couple of weeks later. They say they sent a check in XXXX, but i never received it. Now they are saying I have to wait 120 days for them to reissue me a new check. I didn't even want the account closed.
Product: Debt collection

I have never had a master card or a XXXX XXXX account. I havent opened a credit card in 10 years
Product: Credit card or prepaid card

I reached out to the company Self Financial Credit card on XX/XX/2022 because I notice they were reporting a late balance on the account after it was closed and the deposit was sent back to me for the remaining amount over six months ago. Now after the account has been closed over six months they are reporting a late balance and stating I owe XXXX. I believe they are reporting false information and this is causing my credit score to lower due to the late balance. I try to login the account to see why they figure they was owed after they sent a deposit back to my bank account but I'm unable to gain access. I sent them an email on the site and that when they responded stated this amount. I was unable to load my inital request on the email
Product: Credit card

On XXXX, I recieved another fraudulent XXXX card in the mail with my name on it, which I did not apply for or request, from NETSPEND. I called Netspend and they confirmed suspicious account/ fraudulent activity, and confirmed the last XXXX digits of phone for account was XXXX, which was not a legitimate phone number for me. They said they would not activate account, and directed me to report this to XXXX, which is what I did to make this report for your investigation with them. Note, that I also submitted similar issue earlier today with a Cash APP account.
Product: Debt collection

On XX/XX/2023 National Credit Adjusters Debt Collection company parked unverified alleged debt of {$100.00} onto my consumers report. as well as to the three major credit bureaus. this has fluctuated my XXXX score tremendously. As of XX/XX/2023 I've sent a notice of dispute to the company in regard to this alleged debt.
Product: Mortgage

In XXXX of 2022 I applied for mortgage assistance through my state program. On the program page it stated that it usually takes XXXX days for applications to be reviewed and approved. However because of IT issues and the difficulty to speak with a supervisor my application took over XXXX months but I didnt give up. Finally on XXXX XXXX I received an email from the South Carolina XXXX XXXX program stating that I had been approved. It listed some next steps and said that o should contact my mortgage servicer to let them know that I had been approved. On XX/XX/2022 I called Pennymac and asked if they had received payment yet. The lady who I speak with tells me that they havent received payment yet and that it takes them up to XXXX days to send the payment. She then tells me that I need to choose an option on how to pay the money back because my forbearance period is ending on XX/XX/XXXX. I tell her that I want to wait for them to pay and she tells me they money will come in after XXXX to XXXX days. She starts talking about my house going into foreclosure and she ask me can I make a payment today. I tell her no and she ask several more times. By the end of the call she had talked me into choosing how I wanted to repay the money back. I choose the option that allows me to put the missed payments at the end of my loan. The whole time I thought that the mortgage company would still be accepting the money from the state. I call back again on XX/XX/XXXX and XXXX told that at best the program will pay for my XXXX mortgage and some of XXXX as well but wont the XXXX missed payments. By this time XXXX upset because when I called on the XXXX the lady didnt say that by choosing and option I would forfeit the money awarded to me by the state of South Carolina XXXX Me and the representative talk for a while longer and I escalate my complaint to a supervisor. On XX/XX/XXXX a supervisor calls me back and says its nothing she can do and when I tell her about the conversation I had with XXXX of her colleagues she tells me I need to speak back with him. He calls me back later that day and when we talk I ask him what do I do about XXXX payment and he says dont pay it because were waiting from the money from the state and since we asked for XXXX payment well see if they will pay. He then advised me that the other money however would be returned to the state. I was very upset and asked to speak to a supervisor. The supervisor told me it wasnt anything he could do and basically told me it was my fault. He kept saying we know for a fact that you agreeed to the program details. He was not helpful at all and told me that not only would they be sending the check back to the state but that I had to pay XXXX mortgage payment. At no time did anyone from pennymac apologize or even try to fix the matter. I dont understand how me calling to check on if they had received the money turns into me losing the awarded money.
Product: Credit card or prepaid card

so in light of your recent response I want to take you guys to arbitration for the XXXX you guys dont seem to resolve my dispute and I have proof from XXXX   there was damage to the computer and it was not as decsrbice I tried to email you several times and no response so I either want a refund for the XXXX or I will take you to attrition for this and I am letting you know right now I wish to go to arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Attn : Complaint Department I have recently pulled my Experian credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history. 

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors. 

XXXX XXXX XXXX Account # XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 



Thank you for your cooperation, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and any related inquiries from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$140.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$17000.00} XXXX. XXXX  XXXX  - XXXX - Opened : XX/XX/XXXX - Amount : {$1000.00}
Product: Credit card or prepaid card

On XX/XX/2019 I applied for Amex platinum and got approved the application was done through the phone. Before we started the application i asked the customer service representative if doing it through the phone would affect the bonus points offer he said no that I would get those points regardless so I said okay proceed then. When I called on XX/XX/2019 and asked her details on my account come to find out the code for the bonus points is not there therefore they cant do anything, luckly I spoke to a nice lady I dont remember her name but she got me in touch with her superiors and final result they said the bonus points would be honored I was soo happy the representative said her superior would be monitoring my account and as soon as I spend those XXXX dollars within the 3 months I would be getting those points. Today XX/XX/2019 I call excited because I made the XXXX dollar purchase ( non refundable ) they tell me that they reviewed my account on XX/XX/2019 and they said Amex error this is the worst day of my life I want to cry I payed XXXX fee for a charge card that i dont never need I just wanted those bonus points I really hope amex honors what they advertised Im still hoping this is an Aprils fools kind of thing please somebody help me. These major companies are quick to XXXX us over but where are customers rights!! Amex take responsibility
Product: Debt collection

Spoke with American Express agents XXXX ID XXXX, XXXX ID XXXX from the Fraud department. Trying to clear some fraudulent debts from my name. That still hasn't been cleared from the back office from American Express. Both agents apologized as they stated American Express fraud claim procedure normally is handled and resolved in a timely manner. 

These accounts reflect balances that were a result of fraud and unauthorized purchases. 

GOLD : {$3800.00} GREEN : {$1700.00} BLUE : {$1200.00} I mailed by certified mail last year the statements to American Express however the balances were never cleared. 

I am attaching to this complaint the statements highlighted with the fraudulent charges to clear the matter and debt from my name.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24hrs stating the account is accurate. without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act FCRA, 15 U .S C1681 which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act CFPA U.S.C 5536 ( 1 ) ( A ) ( B ). As highlighted in the CFPB 's recent administrative proceeding. File # XXXX against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate. 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midwest Recovery Systems, LCC put on my credit report I took out a loan out for {$520.00} now {$700.00} back in 2013 I have no idea what they are talking about because they have the wrong email and address. I was told by Midwest Recovery System, LCC, I paid on the loan for a year and stop, there is no way I would pay on a payday lone for a whole year. If Midwest Recovery Systems, LCC continue to pursue me on this debt I will file a civil suit on them, because this can cause me to lose my job and other things, this need to be remove off my credit report.