23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the debitor they say this loan, two of them are mine. I called XXXX and XXXX XXXX they told me this was done electronic with a electronic signature .I was out school in XXXX was paying one one loan to government student loans XXXX and XXXX XXXX only.. Then this shows up on my credit XXXX, that I went back to school took out more loans .I stopped paying my loans to get this fixed and removed as fraud .I called XXXX and they say I owe for a colorado college loans I know nothing of colorado student loan.. I never did online signatures and I only went to one school which I have documentation to and payments. I told XXXX this, now they are saying I agreed to pay XXXX dollars a month payments .. I did not agree to anything with them.They are sending me bill statement thru the mail now. This is harassment to me. I had a fraud alert on my credit for yrs and yet this happens to me now. Why was my fraud alert lifted off my credit reports this would not of happened it alerts were still on the credit reports. How do I get this XXXX school loans off my credit reports and how do I prove fraud???
Product: Debt collection

Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!
Product: Student loan

NAVIENT. This is in regard to my recent complaint filed with CFPB. I do not wish to close the complaint ; rather, I would like to submit the reply below : _________________________________ That is not the point. Navient/Sallie Mae is responsible for mishandling this FFELP loan which resulted in 1 ) losing the loan 's insured status and 2 ) preventing the loan from being consolidated with the rest of my government loans and being forgiven via PSLF. This is no fault of the student who signed for the loan ( i.e., myself ). It is entirely the fault of Navient, which committed negligence in mishandling the loan, which caused the government to un-insure the loan. The point is : Therefore, Navient must take responsibility for its negligence, and cancel this loan. I am calling on the federal government to cancel this FFELP loan, for the reasons stated. Separately, I am requesting that Navient take responsibility for its actions and now proceed to cancel this FFELP loan.
Product: Student loan

I just applied to consolidate my private student loans via CommonBond. I filled out quick application which required a " soft '' credit pull to see if I would be eligible for a loan with their company. I agreed to the application terms and the result was that I was qualified for a consolidation loan with an interest rate from around 4 % - 6 %. Then I was asked by CommonBond to do a " hard '' credit pull to dial in on the exact interest rate for my loan. After receiving the first confirmation from my initial application I was led to believe that the second credit pull was a routine task that would finalize my loan. 
Instead of getting my final interest rate and terms, I was denied and told I needed co-signer who makes more than {$80000.00} per year. Unfortunately, I do n't have access to a co-signer who makes more that {$80000.00} per year. Had I know that there was even a mild chance that my application would result in denial and/or a co-signer requirement, I would have not risked applying. 
I went back and read through all the literature in the process before I clicked on the hard credit pull. It definitely is presented in a way that easily leads applicants to believe their initial credit check approves your loan and that this final credit check just figures out the final details of a pre-approved loan. 
I am very frustrated with my experience with CommonBond. The end result is major damage to my credit due to indirect and misleading information from Common Bond 's initial application process. 
If I was provided the proper loan eligibility information prior to my hard credit loan request, I would not grant CommonBond proper authorization to pull my credit report. Unfortunately, CommonBond 's credit pull was completed under false pretenses. 
I send XXXX messages to CommonBond explaining how I was misled by their application process. I requested that they contact the XXXX major credit reporting agencies and request to remove the hard credit pull on my file. They have refused to do this and also refuse to accept any fault in this process.
Product: Credit reporting or other personal consumer reports

I disputed two accounts, when I settled the accounts out and they did not remove them.
Product: Debt collection

My family and I moved to TN in XX/XX/XXXX and before moving I terminated our XXXX XXXX XXXX account. After said move I noticed that Franklin Collection Services was reporting on my credit report with a debt. Upon seeing said report I promptly contacted Franklin Collection Services and was told that the collection was for XXXX XXXX XXXX. I explained to Franklin Collection Services that I had not received any notice that told me I had any past-due amount and that no one had contacted me regarding this issue. Franklin Collection Services told me that I could pay the debt and the account could be closed. In XX/XX/XXXX I made payment to Franklin Collection Services of {$140.00} which paid the debt in full and the account was closed on XX/XX/XXXX. After closing the account I contacted Franklin Collection Agency to ask them to remove the closed account from my credit reports to which they said " XXXX XXXX XXXX will not allow us to take the account off the credit report ''. My family and I are trying to buy a home and this negative mark on my credit report is hurting the chances of getting that home. No one had contacted me regarding this issue. I paid the account in full. I would like the negative mark removed completely from all 3 credit reporting agencies. Thank You.
Product: Consumer Loan

I bought a used car on XX/XX/XXXX and financed it with Ally. I am XXXX and thus a XXXX, so I should have been included in the settlement against Ally for overcharging XXXX. I learned after the deadline had passed to submit a claim that there had been a settlement regarding the fact that Ally had overcharged XXXX who had financed cars with Ally between XX/XX/XXXX and XX/XX/XXXX. Since I am a XXXX, I should have been included in this settlement, however, Ally never contacted me or sent me any letters regarding this matter. I have called Ally several times and finally they referred me to their Settlement Administrator who was unable to help me, stating that the deadline had passed, that is why I am filing this claim with you.
Product: Payday loan, title loan, or personal loan

I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Lending Club under false pretenses. Lending Club either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. The only reason I found out this information is due to the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased as a result of the audit and the predatory lending practices of that company, hence the reason I am looking into my loan with Lending Club, in addition this astronomical payment is causing a hardship on my family, due to relocations and my husband 's loss of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law I advised the CRA to remove every address thats not Mines that I did not register with them or USPS or updated. 
My Only Addresses on file with CRA should only be XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX And XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX. 
Other addresses are not Mines I dont receive mail there or live there, they refuse to remove said addresses. They are collecting wrong inaccurate information and went to correct it and they will not delete.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my Federally Protected Consumer rights.
Product: Credit reporting

My issue is with Transunion & some incorrect information that they are reporting in my file. They are reporting XXXX out of XXXX of my XXXX student loan accounts negative, when they all should reflect a positive status without any late payments. XXXX contacted each of the bureaus to correct my file on or around XXXX XXXX, 2017 stating that the late payments were an error due to me being in deferment. Transunion only updated XXXX of the XXXX accounts. Furthermore they are reporting a XXXX XXXX account that does n't belong to me. Transunion cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 'm attaching the letter from XXXX that I received which shows the information on all XXXX accounts should have been corrected & updated.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report the XXXX XXXXXXXX acct on XXXX and Experian are reporting inaccurate.XXXX XXXXXXXX # XXXX, balance XXXX this acct is paid and current. It is reporting as charge off under payment staus and remarks are reporting as chargeoff and derogatory.which is false and defamatory.this misrepresentation must be corrected in 4 business days.change payment status to paid current.fcra violation 15usc 1681c,15usc1681i,15usc1681e.improper comment code.acct status change to close positive from closed derogatory.fcra violation 15usc1681e,15usc1681a,15usc1681i.change comments from chargeoff to paid.fcra violation 15usc1681c,15usc1681g,15usc1681n improper special comment code.legal violations defamation of character.negligent enchantment of identity fraud.violation under 15usc1681 n civil liability for negligent noncompliance.failure to comply with 15usc1682g.15usc1681b permissible purpose of consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was totaled in hurricane Irma XX/XX/XXXX it was completely paid off my insurance and gap insurance / XXXX paid immediately for their portion while gap took longer while dealing with a large amount of hurricane claims the lender marked me late sporadically even though the car was paid and out of my possession as of XX/XX/XXXX I was marked late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit card or prepaid card

Chase put a 7 day hold on my payment because it was over 50 % of the credit allowed to me. Yes, that sounds insane, doesn't it? It gets better. 

I have used the same bank and paid the full amount, much ahead of the payment due date since I got this card months ago. I have even paid more than once in a month, which has totaled amounts over my credit limit but, this time, Chase decided to put my payment on hold for seven days. 

These seven days would be 10 days in practice because they do not count the weekend nor the XX/XX/XXXX holiday as business days in my favor. In reality, my payment cleared right away and sat in Chase 's account deriving interest while I, a XXXX XXXX XXXX XXXX XXXX veteran sat without the benefit of having credit available. What if my car broke down and I needed to rent a vehicle? 

Right now, I'm sitting at the phone with Chase " financial representative '' on hold WITH MY BANK because they HAVE TO HEAR IT FROM THEM that the payment cleared. According to this person, they CAN NOT look into their account and see that the payment cleared days ago. 

I believe that this is deceptive of Chase. I believe that they are trying to make interest off my little money because they can't get money via charging my interest, since I always pay the full balance in the account.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX Bank have been notified to remove this item from my credit report due to false information and no legal evidence to prove validation of this account to me and the opened date is false/incorrect. Several disputes have given XXXX factual proof.
Product: Credit reporting or other personal consumer reports

I tried sending XXXX letters, XXXX certified in XXXX to the address listed on my Experian credit report. Both items were returned to me and the incorrect address is still listed on Experian. Im unable to properly dispute an alleged collection due to their inaccurate frankly misleading information. Ive attached certified tracking and proof Ive tried to address this issue.
Product: Checking or savings account

In complaint # XXXX, Citizens bank didnt explain at all why they disqualified me for saving account opening bonus. I did open the saving account with $ XXXX deposited for three months as required in the banks flyer. Flyer and bank statement are attached.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The first year of my mortgage I paid a different bank approx XXXX $ a month. Exactly 1 year into the loan I was sold to M & T, the first month went over fine at the XXXX, the next month I was bumped up to XXXX, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M & T to correct this and they informed me that they will only provide an escrow analysis once a year in XX/XX/XXXX after the county provides them with the new bill in XX/XX/XXXX.

I contacted the county assessor and they bill in XX/XX/XXXX, you know the government end of fiscal year, and also we're willing to provide me certified statements of my correct tax bill. I was excited with this news and called M & T back to have it fixed ... They gave me the same story, that they only review escrow in XX/XX/XXXX ... Now I asked to remove the escrow since obviously I seem more capable of handling my own taxes, I submitted the form hand signed and to the exact fax number and person they instructed me to, I even placed contact information in the case there was a problem, no on called so I figured it would be solved by the end of the month ... Nope. Another {$1600.00} bill from M & T, I called and asked what's up, they informed me, a month later, that my request was denied. Of course I questioned this and after several holds and transfers they came back stating it's part of my contract and can not be removed. Well I then researched my loan, no mandatory escrow for my loan at all, I even contacted the VA to verify this. I called again and was given the same 2 answers, no we will not remove it and no we will not re-evaluate it. 

Now I am seeking an attorney to help rectify the situation since apparently I am not the only sucker sold out to this criminal group. What steams me the most is they told me " don't worry you'll get any overage back in XX/XX/XXXX of next year '' ... Don't worry? My mortgage payment is almost {$500.00} more a month than the agreement I signed, I am going out in a limb here and saying if anyone in the general population is hit with {$500.00} extra a month, that is going to cause serious damage or hardship. Where do these people get off at thinking they can hold onto approximately $ 5-6000 for a year ( most likely earning interest ) and it's ok because they'll return it in one years time.
Product: Student loan

I received a letter from MOHELA on XX/XX/XXXX informing me that they had received payment in full on my loans and that the letter served as a record of my Paid in Full status. On XX/XX/XXXX I received another letter from MOHELA stating that the XXXX XXXX had forgiven my federal student loans with MOHELA in full, effective XX/XX/XXXX due to my student loans having been in repayment for at least XXXX or XXXX  years. The second page of the letter listed some important points on this IDR forgiveness. One of the points state, " we have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness.

I have been checking my credit bureaus every month but noticed that the last update from MOHELA was in XX/XX/XXXX. I sent MOHELA an email on XX/XX/XXXX explaining that my loans were forgiven in XXXX but that my credit bureaus have not been updated to reflect my {$0.00} loan balance, and still show the full amount of the loan prior to forgiveness. I asked when MOHELA would update my information with the credit bureaus to reflect my {$0.00} loan balance but haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to  one dealership and asked them to talk to one ban k about doing a car loan. This dealership and tried to get deal approved with other banks which I did not authorize them to do.        
Bank  XXXX   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 or other personal consumer reports

As 15 usc 1681 starts out with " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law. 

My last letter was sent at the beginning of XXXX to XXXX separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all XXXX companies on here but feel free to email or call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX