23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a loan with sallie mae in XXXX. Sallie mae/Navient continued to put me into forebarrance instead of working with me on a more affordable plan. They charged me fees and told me incorrect information. For years, I was in forebarrance. I then went into default and finally came up with a settlement in XXXX right before their lawsuit. I have been trying to contact them on multiple occaissons so that I can log in and get into my loan information to provide the information on my loan, how long I was in forebearrance, the amount that was paid before my settlement, and the fees that were charged with no luck. I called them in XXXX to see if I would be getting a refund, and they never gave me any information or documents and still to this day, no refund and reporting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate information reported by Experian on my consumer report, specifically a XXXX XXXX XXXX identified as XXXX XXXX XXXX, Reference # XXXX, allegedly filed on XX/XX/year>. This information is incorrect and must be removed from my file immediately. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), consumer reports play a crucial role in determining credit and employment eligibility. Therefore, Experian has a legal obligation to ensure the accuracy of its reporting. The inclusion of this erroneous bankruptcy violates this principle and has caused significant harm to my financial standing. Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in its reporting. However, the presence of this incorrect bankruptcy demonstrates a failure to meet this standard. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies, and Experian is obligated to conduct a reasonable reinvestigation. Experians failure to correct this misinformation may constitute willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees. Alternatively, if this violation is due to negligence, Experian may be liable under 15 U.S.C. 1681o, which provides for actual damages and legal costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}XXXX XXXX XXXX BANK XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on XXXX XXXX and transunion credit bureausXXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and transunion.these debts should not be on any credit file as they are insured and the result of error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX   and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). I disputed an account with XXXX XXXX XXXX  that has been inaccurately reported as charged off since XX/XX/year>. According to the FCRA, this account should have been reported as charged off only once, but it continues to appear inaccurately on my credit report. 

Under the FCRA, Equifax is required to conduct a reasonable investigation of disputes, but despite providing supporting documentation, they failed to fulfill this obligation. This failure has resulted in inaccurate reporting, which has harmed my creditworthiness and caused undue stress. 

I am requesting that the CFPB intervene to ensure Equifax complies with its obligations under the FCRA, conducts a proper investigation, and corrects this reporting error immediately. 

Thank you for your assistance in addressing this matter.
Product: Mortgage

My Father in law is attempting to get a Deed in Lieu of Forclosure form from PHH. They refer him to their website. He is an elderly XXXX veteran, and has not been able to successful navigate the electronic system to get the form. I contacted PHH customer service to see if there was any other method thye could get the form to him. They replied they needed the loan number and full address, which I then provided, along with mentioning that I am not asking them to send anything to me, but to him, who is on record with them as requesting the documentation. 
Their response was to inform me that I am not authorized to receive any information on this account. 
I have replied to them that I am not asking to receive any information, but that this customer, being elderly and XXXX can not navigate the only system they are offering, and can not properly communicate this need for other accommodations to them. 
They only need to mail the form to the person and address they already have on record as needing this form and are refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is violating my right to Privacy as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature, FCRA and FDCP statutes by violating my right to privacy. I am NOT opting out of this company because I have never contacted them, never signed any contract with them. 15USC. Code 1681 - Congressional findings ( a ) Accuracy and fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1692 b Communication with third parties. 
( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, TITLE 1.81.5. California Consumer Privacy Act of 2018 1798.100 - 1798.199.100 ( b ) A business that collects a consumers personal information shall, at or before the point of collection, inform consumers as to the categories of personal information to be collected and the purposes for which the categories
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORTS FROM XXXX XXXX  AND NOTICED XXXX ACCOUNTS THAT WERE NOT MINE. I BELEIVE SOMEONE OPENED THESE ACCOUNTS WITHOUT MY PERMISSION .IM ONLY XXXX YEARS OLD.
Product: Mortgage

Wells Fargo started my refinancing of my home mortgage in XX/XX/2016. I received the whole Uniform Residential Loan Application, Loan Estimate, I had Appraisal Report done and meet with XXXX, Mortgage Consultant : NMLSR ID : XXXX Phone XXXX at Wells Fargo Bank on XX/XX/2016 to receive my Closing Cost Details XXXX. 
I contacted XXXX several times and he continues to tell me he will be contacting me to schedule my closing date. He never contacted me and I continued to call him but he never returned my calls or answered my voicemails that I would leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX XXXX XXXX XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Product: Credit card

I called on Thursday XX/XX/XXXX and spoke with representative and the only deal offered was a new interest rate of 16 % even after explaining this was my husband 's bill and he had been deceased over 15 years and I was just paying bill because my name was on the card
Product: Checking or savings account

On the evening of XX/XX/2023, at XXXXXXXX XXXX, I was notified via email that a bank account had been opened in my name at M & T Bank. I did not initiate the opening of this account. The email was sent from XXXX. In response, even thought it appears to be a genuine account, I forwarded the email to M & T 's designated email address for reporting phishing attempts and took no further action. My suspicion is that the bank may have done this as part of a public relations campaign in hopes that many people would overlook it and keep the accounts open.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX Equifax : XXXX, XXXX / XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX, XXXX Equifax : XXXX, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation.

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: Mortgage

I have repeatedly emailed Fay Servicing since XX/XX/2020, about hazard insurance being taken out of my escrow account when I already pay for the appropriate level of hazard insurance in force. I have received phone calls from Fay Servicing Customer Service staff asking me to not only prove that I had the insurance but that I paid for the insurance. I have done as requested and emailed the information to Fay Servicing Customer Service. I still have not received a response that any hazard insurance paid from my escrow account has been or will be returned. On XX/XX/2020, I was informed by Fay Service Customer Service staff that the matter was going to be sent to Fay 's insurance department for review. 

In the meantime, I received an 'Escrow Account Disclosure Statement ' from Fay Servicing XXXX XX/XX/2020, indicating that {$890.00} in flood insurance will be charged to my escrow account in XX/XX/2020. I have historically paid this myself directly with no escrow. Since Fay Servicing is not authorized to pay for flood insurance out of my escrow account, this needs to be reversed, and my payments adjusted appropriately. Any flood insurance paid on my behalf by Fay Servicing last year needs to be returned. 

The 'Escrow Account Disclosure Statement ' also indicates that Fay Servicing paid {$2000.00} for hazard insurance on my behalf in XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX refunded this to Fay Servicing on XX/XX/2020. This error also needs to be corrected and addressed since I pay monthly hazard insurance directly to XXXX XXXX. 

I received a letter from Fay Servicing dated XX/XX/2020, saying that they had received my most recent correspondence that I sent certified mail on XX/XX/2020. Fay Servicing said that they needed 30 business days to respond. I have not received a response and it has been more than 30 business days. They referred me back to their Customer Service Department as well.

Since Fay Servicing has prior bad acts on record concerning taking customer 's money for hazard insurance when they already have it or overcharging for hazard insurance, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to notify them that a fraudulent inquiry was made in my name, and that it is reflecting on my credit report and I would like it removed. They notified me that it would and its been well over 60days with no results
Product: Payday loan, title loan, or personal loan

Lack of communication with this company and they harassed me threatening me with phone calls all the time and I was out of my job and have XXXX and I'm asking him to dispute this off my credit report
Product: Checking or savings account

Hello, I opened a new Citi bank ( Citigroup Inc. ) checking account # XXXX for {$300.00} new checking bonus as I'm eligible per fine prints on XX/XX/2022 and deposited new money {$15000.00} on XX/XX/2022 as screenshot attached. 

On XX/XX/2022, I did receive a welcome email for {$300.00} bonus offer from Citi bank ( Citigroup Inc. ) as screenshot attached because I had followed all the steps to qualify the bonus condition. 

I had kept required minimum balance over {$15000.00} over 60 days per bonus condition until XX/XX/2022 from XX/XX/2022. 

But until today XX/XX/2022 I have not received my bonus {$300.00} yet, which must be deposited to my checking account already per fine prints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 student loans thats serviced by Navient. I have been living at the same address for the past 5 years and Navient never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed navient XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, Navient is wrong.
Product: Credit reporting

I have sent Experian a request to investigate some accounts in my credit report and they have not responded.
Product: Credit reporting

Please removed fraud alert from credit report. Information dose not include current phone number or address. it also is making it hard to apply for credit.
Product: Credit card or prepaid card

My daughter bought me a {$50.00} Visa debit gift card. It was misplaced and I found it the other day. I think it was probably from last XXXX. I tried to activate it, but I could not. I just now called the Visa number and spoke to a representative. She told me that there was a $ XXXX monthly penalty for not activating the card, so now by the time I found it, it was worthless. I thought the card would expire in XX/XX/XXXX.
My complaint is that Visa has taken {$50.00} from my daughter and returned essentially nothing of value. I do not think this is right.
Product: Credit reporting

I have reported the collection to the cfpb which found company did not respond correctly and information was sent to the FTC..the account was off all the bureaus but after months is on Equifax..I called the collection agency who understood it had been incorrectly reported too long over the 7 year limit and put in for removal from Equifax..it after weeks will not come off ... he went back in and checked that he did remove it ..he has now put in for removal twice ..this is XXXX XXXX XXXX ga XXXX..He suggested I call equifax and see what is going on. , I did and the company can not help..I stated its been pulled by the collection agency but they just say dispute the item again which I 've done many many times..To be such an important influence on a person financially Equifax should have decent customer service and not outsourced overseas to people who can not answer neccesary questions..So as of right now I still have a collection on my report that 's been reported on since 2007 which the collection agency has removed but Equifax will not.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint to dispute the inaccurate and unverifiable information in my address characteristic section and personal information., Despite filing a dispute, the experience refuses to investigate and instead keeps coming back saying the information is verified., I am disputing the accuracy of information from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by phone by Wilber & Associates on XX/XX/XXXX about a claim made by XXXX XXXX about an accident on XX/XX/23. I was then contacted by mail on XX/XX/XXXX and XX/XX/XXXX about the same accident. The amount claimed in the letter is {$10000.00}. 

CFPB states that I have the right to, " An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. '' As well as, " Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. '' And, " An end date for a 30-day period when you can dispute the debt. '' None of this information was included in any of the letters that I received and will attach. I was never notified of my right to dispute the debt if I believe the debt was not mine. 


I spoke with someone on the phone shortly after receiving these claims explaining that there was not enough information or evidence that this accident involved me. I was not in an accident on XX/XX/23. The car that they claim to be in the accident is not a car that I have ever owned or driven. In the original call they claimed that there was a police report that included information that was not related to me. After explaining this over the phone, the representative assured me that contact would cease. I am still receiving calls as of XX/XX/23.
Product: Student loan

DEPARTMENT OF EDUCATION NELNET ACCOUNT NUMBER : XXXX ACCOUNT TYPE : EDUCATION DATE OPENED : XXXX  STATUS : PAYMENT/DEFAULT BALANCE : {$8900.00} ORIGINAL BALANCE : {$6400.00} I am writing to request loan forgiveness due to severe financial and economic hardship. Over the past few years, my financial stability has been significantly impacted by circumstances beyond my control. 

Caring for an elderly family member with extensive medical needs has placed an enormous strain on my finances. In addition, the lingering effects of the XXXX pandemic have further exacerbated my financial challenges, making it impossible to meet the growing balloon payments on my loan. 

Despite my best efforts to manage my obligations, my current situation has left me unable to make these payments without causing undue hardship. I have explored alternative options and spoken with creditors where possible, but my financial recovery remains ongoing and uncertain. 

I am requesting your understanding and consideration for loan forgiveness to help alleviate this burden. Forgiving this loan would provide much-needed relief and allow me to focus on regaining stability during these challenging times. 

Thank you for your time and consideration of my request. Please let me know if additional information or documentation is required. I am willing to provide any necessary details to support this request.
Product: Payday loan, title loan, or personal loan

Hello CFPB Complaints Team, It was brought to my attention the disadvantage One Main Financials have created. 

Due to medical hardship and direct family obligations, I had to take a personal loan from One Main starting  XX/XX/2017. Whenever unable to make ends meet by paying other financial obligations for relatives, I would contact One Main. 

Currently I have a 60 month plan - paying $ XXXX/month. 

This totals to = {$18000.00}. 

As reported on my credit report the principal of {$9400.00} is projected to equal or meet the finance charge assed by maturity. ( {$8900.00} ) Why is there a company compounding interest in such a matter? The debt to income crisis will continue under such leadership.

Ive tried to refinance with One Main recently in hopes of lower my monthly income. Instead they offered another withdrawal. 

Currently have not missed a payment since 2017 and paid close to the full principle. There is immense pressure to cover these inflated expenses.
Product: Credit reporting or other personal consumer reports

Around XXXX, I was able to pay off all of the debits I encurred taking care of my mother with XXXX. I payed everyone back, some accounts were settled for less than the amounts owed. XXXX was a company I settled through another company whom bought the account. I continued to receive collections call from another company on their behalf. I explained mutiple times and sent the documentation to show I had payed the account, which was {$500.00} in full for the XXXX and the extra fees charged were supposed to be null because that was the actual credit limit and at the time I defaulted the card was not maxed out, and the collections agency said that would be the best they could do to settle the account. So I payed them over the phone. For about six months the calls stopped. Then they started again with XXXX saying I owed just {$500.00}. Again, I said I did not owe the money, and that the account had beeen settled and gave the information. A few months later another collections agency contacted me saying the bought the account from XXXX  and that I could pay them. My credit report is still showing the original creditor, being XXXX. When I called them they said that they never received payment for the account. I alerted them that they sold the account and the collections agency had recieved the money. They told me they bought the account back and that I now owed them the money for the account. While disputing this with them, I and my children had to flee our home due to XXXX  XXXX, my life was basically thrown away as revenge and what calls that were being recieved, I was unaware that my phone had been cloned. My x had his sister and niece calling/answering certain calls and making promises to pay this bill again. I again called and explained that I already sent the information and that they were not talking to me. They began calling me non stop three and four times a day. I ended up blocking them enough times to have mental peace, however its been 9 years and they are still reselling the account and not only are the new owners marking my credit report, XXXX the original owner is making bad marks on my credit report. I dont know how to get them to stop, and I havent answered a call from them in over 4 years, three of those years I was homeless with no address. Im not sure what else to do, I tried to go to the police, but my problems are not monatry enough for them to get involved. I tried to show the accounts that were payed the same time to show I payed everybody and some were more than XXXX, why would I skip the one account. Now they dont call as my number has never changed, but they continue to negatively report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 i received notification that Sierra Auto Financing pulled my credit for an auto loan that did not authorize.