23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I first started speaking with Navient about the repayment of my student loans, I was never offered any options other than standard repayment. I would always be offered forbearance when I could n't afford to pay, but it was n't until XX/XX/XXXX that I found out about the Income Based Repayment options. I started working with Navient XX/XX/XXXX. Before that time, I only had about {$35000.00} or a little more in Student Loan Debt, now I have over {$40000.00} due to interest charges. Had I known about the Income Based Repayment options in the beginning, I would have never had to put a Forbearance on my account because I would have been able to afford the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A MEMBER OF PENFED CREDIT UNION FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON XXXX THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON PENFED FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY XXXX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.
Product: Debt collection

In XX/XX/XXXX, a document was sent to XXXX XXXX XXXX XXXX, XXXX, Florida ( as shown in the attached document ), concerning a debt from XXXX through Zakheim and LaVrar, P.A. Yet, I wasn't living at that address at the time. Consequently, I missed the court date by phone, which I was unaware of, and a judgment was made against me. My current address could have been easily obtained from public sources, and I could have been adequately served. On XX/XX/XXXX, a Writ of Garnishment was issued, and my wages were garnished while I was working at XXXX. I contacted attorney Zakheim and informed them that my rights were violated because I wasn't given notice to defend against the garnishment of wages and other property at the time of the writ, as required by law. As a result, the garnishment was lifted, and my funds were returned. The process should have stopped at that point because Zakhein and LaVrar did not follow proper due course. I have claimed exemptions over their attempts for the last 13-14 years, as I have a XXXX XXXX XXXX who is currently in treatment and is not employed, and I provide all his support along with after-market health insurance. Additionally, I have recently received interrogatories in aid of execution, and I am unable to comply due to undue burdens, as I am currently ill and undergoing XXXX. Since Zakheim and LaVrar, P.A. did not follow the proper legal procedure in XXXX, I consider anything after that harassment. Additionally, since they represent XXXX, I will also contact XXXX. Please see the attached document outlining the ongoing issue since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to Equifax via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from Equifax  on XX/XX/2023, stating they will not change the balance. Equifax won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over XXXX  years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted Equifax by phone, I spoke with a supervisor named XXXX who outright called me a XXXX  XXXX, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX , and this is caused me that is being affected by this false information by Equifax. Additionally, I have submitted this information online and via-certified mail to XXXX. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me recovering my lost funds was impossible and tracking was not feasible. The CFPBs findings indicate that Zelle neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is mishandling information and incorrectly reporting to the 3 bureaus unjustly.

This statement complements my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. 

I sent a letter and allowed the company 30 days to reply with no reply : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX USA I wrote them a formal objection of claim ( s ) as reported when reported and a demand for appropriate report modification ( s ) on their part. They are inappropriately reporting incorrectly to the Trans Union XXXX XXXX and damaging my credit and in violation of the FCRA aka the Fair Credit Reporting Act. The acts in nonobservance should be subject to fines and damages. 

I am providing the company but this one last opportunity for suitableness of this account. Previously, I had sent them a letter advising them that they were inaccurately reporting.

Additionally in that request I in fact did assert their necessary requisite ( s ) to ensure only compliant information is retained on my file.

Due to their now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically noncompliant reported in that it implies that my forwarded notice was sadly ignored.

Their reporting deviations are costing me unfair turndowns of credit, and unjustly greater interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I contacted my current mortgage servicer Mr. Cooper in XX/XX/2020 about obtaining a forbearance due to Covid-19. I was granted that Forbearance and later found out Mr. Cooper reported me 30 days late in XXXX and XXXX. I have tried resolving the issue directly with them to no avail. This has significantly impacted my credit ability to borrower. I need your assistance getting these late payments reversed. I paid my mortgage current and have never been late on a payment in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Ally Financial this company is reporting fraudulent inaccurate information on my credit report. I had full coverage on the vehicle along with gap. I have requested that they provide me the full purchase agreement. I have not received these documents. The IRS is now considering charges off as a considered income. I have not received a 1099.Also this company have violated code 15 U.S.C.1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, XXXX  and Equifax to have the data removed but customer service refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX we paid off a loan at Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for {$100000.00}. On XX/XX/XXXX I had cancelled the automated bill pay for this loan through our checking account at XXXX. Unfortunately XXXX had made an automated payment of {$750.00} on XX/XX/XXXX to Bank of the West. We have spoken with Bank of the West every week since XX/XX/XXXX to recover this overpayment from them. They agree that they owe us this money. However, during each weekly call they ask for a different piece of documentation from us proving that this overpayment has occurred, and end the call assuring us that it has been corrected and they will issue a check the next week. We call back the next week and nothing has been done and we have to start all over. This has gone on for four weeks now and {$750.00} is a lot of money for a retired couple. We have no confidence at this point the Bank of the West will ever return our money. I would file a complaint with the XXXX but they are not a member. Based on our experience we believe that their policies and procedures are designed to delay the return of our money in the hope that we simply give up.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw inquiries reporting that I do not recognize.
Product: Student loan

I received my XXXX from XXXX XXXX in XX/XX/2012 and it cost me over XXXX. Based on the current CFPD lawsuit against XXXX for predatory lending, I feel I have a legitimate complaint. I would like my loan discharged or made reasonable.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX has sent my paid off closed account to, Credit Corp Solutions, this has damaged my credit
Product: Mortgage

I applied for a mortgage on redfin.com and on XX/XX/XXXX, I received an email that said I did not meet the minimum credit score criteria from a loan officer named XXXX XXXX XXXX XXXX. The company did pull my credit and I received an inquiry. I asked XXXX would I be getting an adverse action letter. She stated no and advised me to call the credit bureau. I advised her that per ECOA, REG B and RESPA I should receive an adverse action letter. She stated that because it was a preapproval, I would not get a letter. I advised her this is untrue however, the company refuses to provide the letter. I had to provide all financial documentation required for a complete 1003 and the company ran my credit. This is definitely an application.
Product: Credit card

In XX/XX/XXXX, I booked a hotel room at XXXXXXXX XXXX XXXX for {$3400.00} for a future stay in XX/XX/XXXX. The booking was nonrefundable. I asked if I could call back after the election based on results. They said any consideration would be based on occupancy at the time. I am no longer going to XXXX XXXX in XX/XX/XXXX. 
I called the XXXX on XX/XX/XXXX to cancel my reservation - # XXXX. I then opened a dispute with XXXX XXXX to receive a refund - case # XXXX. They indicated I would receive an email in 3-5 business days with the resolution. I called to follow up on XX/XX/XXXX because I have not received a written resolution. The agent said the case was closed the same day I opened it by the hotel. I asked why and he said he did not know but would reopen the case. I then called American Express to assist me with the dispute with XXXX - case # XXXX. 
The XXXX website as of XX/XX/XXXX now indicates they are sold out on the days of my canceled reservation which means they resold my room. Accordingly, they are holding my funds as profit in addition to fees they will receive on the new reservation. They are double selling rooms. 
I am requesting your assistance to help me secure a refund and to investigate hotels in order to stop deceptive practices of not responding to requests for refunds, closing cases without proper documentation, and receiving double payment on hotel rooms. The credit card companies are stuck in the middle of this and other disputes when the mega businesses ( global hotels in my case ) will not work with consumers.
Product: Debt or credit management

Proof of How My Credit was Illegally Purchased and that Identity Theft Occurred On XX/XX/XXXX, a company named XXXX XXXX XXXX provided XXXX XXXX obtained my credit report for {$5.00} ( requested by XXXX XXXX ) and a law agreement by XXXX XXXX was signed. 
On XX/XX/XXXX Fresh Start Credit Services welcomed me and opened a XXXX debt portal for me.XX/XX/XXXX Fresh Start Credit Serviced placed me on the DoNOTCall.gov list.

XX/XX/XXXX I mailed back a packet containing two forms of ID, and signed attached document, ( possibly power of attorney ) certified mail see attached XX/XX/XXXX Fresh Start Notified me they changed their name to XXXX XXXX.
Product: Mortgage

We made our last mortgage payment with Loancare Loan Number : XXXX XXXX XXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. XXXX XXXX to date has never received payment from LoanCare to-date. XXXXXXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. We were never delinquent in our Mortgage payment since XXXX. We need your utmost support on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts with navient has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called navient and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuit to FCRA XXXX ( XXXX XXXX that Trans Union credit reporting XXXX and XXXX XXXX XXXX XXXX XXXX on my consumer credit report that is the result of identify theft and fraud within four business days.You are receiving this complaint this fraudulent and inaccurate and false information consist of a personal credit card with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent, hard inquiries and fraudulent collections apparent on my consumer credit report. Ive attached a list of the hard inquiries and question as well as a copy of the consumer FICO credit report maintained by me which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections apparent on my consumer credit report maintained by me, was not open by myself all of the aforementioned accounts are the result of identity theft and fraud. Ive attached a copy of my FTC identity theft criminal complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections inquiries are the result of identity fraud.
Product: Debt collection

I had balance with XXXX XXXX credit card due to identity theft by a family member, i notified Midland Credit who is handling the debt collection, i attempted to dispute it with Midland Credit and they threatened legal action so i began payments and had made over {$1000.00} in payments to get it fixed until i realized they couldnt collect on a debt due to identity theft so i contacted them, disputed it, and requested a refund which they havent done. 

I called multiple times just to be told my refund request was canceled for an unknown reason by XXXX XXXX on the phone. 

As you can see in the pictures submitted I paid a large majority of the balance off and need to be refunded.
Product: Bank account or service

There were fraudulent transactions on my debit card. The new perpetrator also had my PIN ; my card was used at an ATM and to purchase airline tickets. I reported the fraud to Wells. They deactivated my card. They conducted an investigation but denied my claim. I now have a negative balance. The fraudulent transactions total over {$1000.00}. I will have to call Wells Fargo loss prevention denied my claim, presumably because I refused to answer the same questions again and again to WF employees in different departments. I will deplete my account to near XXXX but, of course, the account will remain open until this has been resolved to my satisfaction. Banks and credit unions in this country are corrupt and will play a major part in our eventual economic collapse. I will provide further information and documentation, should you require it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not yet received any information from the XXXX XXXX XXXX website It seems neither XXXX  nor Experian can verify my identity online. One concern is also that Experian asked me a question on the verification link re a mortgage application in XXXX - I never had a mortgage application in XXXX, so now I wonder if someone stole my identity?
Product: Credit card or prepaid card

I followed a series of links ( that I verified were legitimate ) and applied for a credit card ( XXXX XXXX XXXX XXXX ) that would give XXXX bonus miles for my XXXX XXXX XXXX account ( if spending {$3000.00} ) within 3 months on XX/XX/XXXX. I did this but did not receive the bonus miles. 

In XX/XX/XXXX, after I felt I had waited long enough for the bonus to be applied, I contacted the company ( Chase Bank ) through the secure message center on their website. 

I was first told that we are sorry, you were not eligible for the bonus. I sent a detailed reply with screenshots that I had taken of the links I had followed and the credit card terms upon sign up ( they are attached to this complaint as well ). I received another reply simply saying again that I was " not eligible. '' I sent an additional reply message ( again ) asking for an explanation why I was not eligible. 

I then received a reply that did not say anything about eligibility, instead the reply said we are sorry but we can only handle these matters within the three months on signing up ( in other words, the time has passed for us to help you ). 

To me, it seems obvious that the company was first avoiding the issue by saying I was not eligible. When I demanded an explanation they then tried a different excuse about timelines ( by the way, this timeline is not mentioned in the card terms at all ). 

This seems to be a clear violation of the CARD Act. Additionally, if the promotional terms ( as stated in the attached material ) were not true, this would be deemed deceptive advertising under FTC guidelines. 

Of note : Ironically, the above messages that I described were sent through the company 's " secure message center, '' they have now been deleted automatically by the banking company. This is my fault as I am used to things like email and messages never being deleted ( I should have saved them to my computer ), but it again is just another strike against the company. Why would they be deleting secured communication? This is unfortunately the reason I can not attach the actual messages exchanged with the company.