23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted " Student Loan Help Center '' back in XXXX XXXX to assist me in consolidating my student loans. They promised to do so after I pay their fee. After said company withdrew their fee from my bank account, they for months kept telling me one excuse after another as to why the process for consolidating my student loans is not complete yet, why time is needed or why the circumstances are not their fault. 

I spoke to them in XXXX, XXXX, XXXX, and XXXX of XXXX. The individuals I spoke with are XXXX, XXXX ( or XXXX ), XXXX XXXX XXXX. Their contact number is : XXXX ext. XXXX. They record the calls, thus they will have all recordings of the calls I made to them. If they claim they do not then this is more evidence on behalf of their of their guilty actions. 

When I spoke to representatives at " XXXX '' ( they are the company that handles all my student loans ) in XXXX XXXX they informed me that a process was started in XXXX XXXX then canceled in XXXX XXXX and there is nothing in their records that Student Loan Help CenteXXXX has done anything to resolve this matter. 

I contacted Student Loan Help Center in XXXX and spoke to XXXX XXXX XXXX concerning the fact that ( 1 ) the consolidation process has been canceled and I was n't notified of it ; and ( 2 ) they have n't done anything to resolve this matter. Those said individuals gave me more excuses. When I contacted them again in XXXX XXXX and spoke to XXXX to inform them that I wanted a full refund of my money, she both transferred me over to XXXX XXXX voicemail then when I called back a second time she gave me an email address and said once I email them I will be contacted right away concerning my refund. I did as she instructed but received no response via email nor phone. 

The bottom line is this company has committed fraud. They have n't provided me any proof that they have done anything on my behalf nor, and most importantly, they have n't done the task as they promised.
Product: Credit reporting or other personal consumer reports

XXXX was reporting late payments on an account that was in forbearance when I requested a dispute ; my balance now shows over a XXXX XXXX  increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Transunion a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to Transunion and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Transunion has not verified the bankruptcy because there is a FREEZE on XXXX XXXX  file. I do have receipt of that too. XXXX XXXX  XXXX XXXX, XXXX home lending and this Bankruptcy whom all are not of mine. Remove immediately!
Product: Mortgage

I took out a loan to have a bathroom remodeled and new windows in the kitchen. Loans totaled XXXX, to date I have paid XXXX and still owe XXXX. I have not received a statement in over 2 years. When I inquired about my balance and why I have not received any statements I was told that all of my payments had been going to interest. There was a period where I was in bankruptcy proceedings and not making payments but since I reaffirmed with the company I have made more the agreed upon payment. Payments were XXXX and I have been making payments of XXXX since XX/XX/2018 after making a XXXX payment in XX/XX/2018.
Product: Checking or savings account

Hi CFPB, On XX/XX/year>, I opened a business checking account with Bank of America where I would receive {$200.00} after depositing {$5000.00} within 30 days and maintaining that balance for the following 60 days. It has been over 90 days and I have not yet received my bonus. Could you please help to investigate and provide fair resolution by crediting my account? 

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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon : XXXX XXXX XXXX Equifax XXXX : XXXX  XXXX  XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : XXXXXXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

This complaint concern XXXX XXXX XXXX XXXX and Ocwen Loan Servicing failure to approve me a loan modification from XX/XX/XXXX.My loan was backed by the Department of Veterans Affairs and neither bank tried to help be keep my home even though the President allocated monies to help veterans. I first applied for a loan modification on XX/XX/XXXX with XXXX. XXXX denied HAMP due to origination dafter after XXXX/XXXX/XXXX and because they were looking for another solution. Since I was denied loan modification, I had to file chapter XXXX bankruptcy on XX/XX/XXXX on to keep XXXX from Foreclosing. I received a foreclosure from letter from XXXX XXXX XXXX, XXXX days after I filed for bankruptcy. XXXX and XXXX XXXX XXXX were unaware that filed. I was told to disregard letter from XXXX XXXX XXXX. While actively in bankruptcy, I continued to apply for loan modifications, and each time ( XXXX, XXXX, XXXX, XXXX ) I was denied. I kept them from foreclosing by exposing them on XXXX. Finally, I was approved for XXXX in XX/XX/XXXX. I paid Ocwen about {$10000.00} to bring account current. Through this ordeal my mental and physical health failed me. They wanted me to be homeless but I fought them to the end. I was placed on administrative XX/XX/XXXX and my gross pay was {$4200.00}, but net pay was about {$2600.00}. I could pay mortgage, utilities, and buy food. I chose to pay utilities and buy food because I was still behind on mortgage payments. I was relentless because my daughter and I would have no place to go, and more than likely I would not be able to get an apartment because of bad credit. It was terrifying to live everyday with the possibility of being forced out of your home even you sought assistance and assistance was there but not for me, a veteran. I was discharged from bankruptcy on XX/XX/XXXX, but I still could n't pay mortgage until XXXX XXXX. XX/XX/XXXX, I received my first XXXX check from the XXXX XXXX of Alabama in the amount of {$2000.00}. {$1400.00} was deposited in my checking account because {$130.00} went to taxes, {$440.00} went to XXXX XXXX XXXX ( single coverage ), and {$11.00} for XXXX dues. I definitely could n't pay mortgage, utilities, and buy food. Once again, I paid utilities and bought food. I applied another loan modification because I lost 50 % of my income. Again, I was denied. From XX/XX/XXXX - XX/XX/XXXX, my daughter and I lived off {$1400.00}. I suffer from XXXX, XXXX XXXX XXXX, and XXXX I am filing a complaint now is because I read an article on the Internet that Ocwen has to pay back billions for underhanded things and foreclosed on people homes. I could have easily been on of them.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 : Initiated a complaint to Wells Fargo regarding my business credit card for the last 2 days about incorrect available credit of {$99.00} which shows in my account. The available credit should be {$260.00} and the credit limit is {$500.00}. I explained to them about an order from XXXX which charged my account was completely cancelled and I received an email confirmation of this cancelled order and they refused to make adjustment or having issues making the adjustment to my card.
Product: Payday loan, title loan, or personal loan

I continue to get more than 3 calls a day from their office trying to collect the debt. They continue to call and purposely irritate me on the phone. 

Told me Maybe, you should pay your bill, without asking if I was the person they were calling for!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXX XXXX  a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
Product: Credit reporting or other personal consumer reports

Hi, I would like to initiate an investigation into these accounts, as there appears to be an issue with their accuracy on my credit report. These accounts, which had been removed, have now been added back without my knowledge. I have not been notified of this change or received any communication regarding it by mail.
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit on XXXX XXXX and had a total of XXXX hard Inquiries removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX Hard Inquiries were placed back on my report without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and have received no help. When I ask to be transferred to an American representative, no one will transfer me. Several agents have been belligerent, that they know what happened, but it 's basically too bad and I should simply file a complaint because they will not fix it.
Product: Mortgage

XX/XX/XXXX I was serviced a summons at my Florida home, regarding a home in New York that was suppose to be settled in my divorce in XX/XX/XXXX. Ex wife was to do a refinancing or sell to clear me from the mortgage and all ties to the home in question. To my knowledge Nationstar Mortgage company which was and still is the mortgage company, helped my ex wife, supposedly to refinance in XX/XX/XXXX. In via a phone conversation to me by Nationstar mortgage staff, explained to me that I was title free and clear from that home. I have no knowledge of ever signing or approving any changes they made with my ex wife. With this said, I have gotten summons for a foreclosure. I have summon documents to support what I'm stating as well as, Nationstar Mortgage crossing out my name in several pages, made my ex wife sole owner and also put on paper that " I AM NO LONGER ON TITLE ''. My out look on this matter is that Nationstar Mortgage has been possibly misleading, falsified documents and fraudulent. This has put me in a situation that will cost me attorneys fees, lost work due to handle this matter and hurting my credit with the credit bureau.
Product: Student loan

Navient keeps adding balances and subtracting balances from my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of deferred. I respectively ask that the lates fromXXXX be removed and set to current. as soon as I contacted Navient my loans were put back in deferred. Also, I want all loans older then 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP,  as Navient is doing illegal collecting and reporting practices. thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX and XXXXl XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According t

o 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, per 15 U.S.C 1681 section 602A I have a right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacc
urate.
Product: Credit reporting or other personal consumer reports

I requested my credit report from both XXXX and Equifax and when I received them, I was confused because it was addressed to someone else ( supposed to be me but the name spelling is completely off ). If they can't spell my name correctly, I'm willing to bet that none of the information reported inside is accurate either.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}
Product: Credit reporting or other personal consumer reports

I bought a car and the dealership shotgunned my credit without my permission. The dealership has been trying to help me rectify this however, both XXXX and Equifax are refusing to remove the unauthorized inquiries despite the dealership stating that they were in the wrong and that they ran my credit to so many lenders without my consent, without my knowledge or permission. Refusing to remove the unauthorized inquiries is a blatant violation of my consumer rights and a blatant violation of FCRA. Therefore, I demand that each bureau pay me {$1000.00} for violation of my rights and their blatant disregard of FCRA. 
I have attached correspondence with the dealership as proof that they have been helping me resolve this and that both XXXX and Equifax have refused to cooperate ; blatantly violating rules and guidelines as well as my rights!
Product: Debt collection

I contacted the company Receivable Performance on late XXXX, I was given a settlement offer to resolve an outstanding balance with XXXX. I asked the representative if the account would be remove from my credit and the representative said yes and told me once the account is paid they will request a deletion on my personal credit report. Now after 2 months I noticed the account is showing on my credit as paid and I contacted them on XX/XX/XXXX and had to speak with a representative from the escalations department. I spoke with XXXX XXXX and she said they never offer the credit report deletions, I explained her that I am sure the representative promised a credit report deletion and that I needed because I am applying for a mortgage loan, she said they would review the call and asked for some days. Today I called her back and after XXXX hour on the phone I was able to get a hold of XXXX XXXX, she said she will call me in 5 min, after 50 min I had to call her again since she didn't called me back. When she finally pulled my account she said that after reviewing the call, there were some noise on the background and she can not confirm if the the representative I spoke did or did not promised a credit report deletion, but she assume the representative did not. That is not a fair investigation, I explained I need this account delete from my credit report because I will lose my mortgage deposit. At this point I just don't believe that XXXX XXXX reviewed the call. At this point I am requesting to Receivable Performance Management LLC a copy of the recording because don't believe on the background noise answer, I am sure the representative promised a credit report deletion and if I lose my home deposit for this I will sue Receivable Performance Management LLC for the money lose and the thousands of dollars I can save on with the current history low interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was " joint '' on an authorized user on an account that was my husbands. The account was included in his bankruptcy which should mean it is not on my credit because i did not file nor was i the responsible party. Experian refused to remove the inaccurate information
Product: Credit reporting or other personal consumer reports

At the beginning of May I filed a dispute for XXXX XXXX with XXXX  due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also crediter did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED/XXXX : # XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX : # 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 witout my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records od convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.