23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Support Agent : Thank you very much for your time. 

On XX/XX/2002 I applied for a Consolidated loan with Navient Loan Servicer. To date, Navient never consolidated the loans on XX/XX/2002, and are billing me for two loans and have named each loan Loan 1-01 Consolidation and Loan 1-02 Consolidation, with two separate interest rates, accordingly. 

XX/XX/2002 Loan Amount for consolidation : Loan 1-01 Consolidation : Unpaid Principal : ( i ) {$33000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-01 : Unpaid Principal : ( i ) {$100000.00} Unpaid Interest : ( ii ) {$3300.00} Unpaid late Fees : ( iii ) {$710.00} XX/XX/2002 Loan Amount for consolidation : Loan 1-02 Consolidation : Unpaid Principal : ( i ) {$28000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-02 : Unpaid Principal : ( i ) {$50000.00} Unpaid Interest : ( ii ) {$1600.00} Unpaid late Fees : ( iii ) {$450.00} Current balance : {$150000.00} Current monthly balance : {$1100.00} Navient approved the two loans. The first loan amount was {$28000.00} and the second loan amount {$33000.00}. Totaling : {$61000.00}. 

From 2002 to date, Navient is fraudulently charging me two interest rates on two loan amounts that I consolidated. 

Help. 

Respectfully submitted, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I applied for a HELOC. During the second day of processing I was asked why my pay check stubs went to a different address? I stated I lived in an apartment. At that point, I was put on hold and no one ever came back to the phone. The next day I received an email from a processor stating to provide a ton of personal information needed to process the loan. I responded with some of the information, but wrote about what happened the following day. I then said, before I go further, is there an issue with me living at a different address? She responded " It might be '', or something to that affect. Now, I'm concerned, because they have pulled my credit report and I know inquiries count against you. I asked her to confirm, before I send all this information, so as not to waste my time any further. We went back and forth, then she said I would be denied because I don't live on the property and she will notify underwriting to withdraw my application- that dry and that blunt. I asked if there were any other options? While waiting for a response - I asked if I could have the managers contact information. She responded with the Managers name " XXXX XXXX '' and stated she would not give me his number but he would call me. If I want to know more about loan options, to stop in at one of the local branches. I'm still waiting to touch bases with XXXX. This bank pulled my credit with out confirming what appears to be very important information if you are applying for a HELOC and denied me with no conversation or options for me. My credit score is around XXXX. I have never been late on my mortgage or loans in 20+ years. I believe an exception could have been made If I could have spoken with someone. And, If not explain why. I feel used and discarded.
Product: Credit reporting or other personal consumer reports

Account info Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$230.00} past due as of XX/XX/year>. 
Status updated XXXX XXXX Balance {$230.00} Balance updated XXXXXX/XX/year>
Product: Debt collection

TO WHOM IT MAY CONCERN : TRANSWORLD SYSTEMS AMOUNT : {$2200.00} DATE OPENED : XXXX XXXX I Recently received a copy of my credit report, and I noticed this collection that I did not authorize and of which I do not have knowledge. 
Please be advised that by law no collection can be placed on my credit without my authorization. I am requesting that these collection be removed immediately from my credit report. 
Please send an updated copy of my report after this inaccurate information has been removed. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I was rated by the XXXX in 2008 to be XXXX with service connected problems received from service in XXXX. I had to shut down my construction business of 35 years due to medical problems. Right about then the economy went bad. Wife and I lost all of our savings and almost out home. Had a mortgage with XXXX and it was sold to nationstar mortgage. We thought B of A was bad until trying to get a loan modification from nationstar! These people should be in prison- what XXXX We went through all the making homes affordable deal, and they set us up with XXXX XXXX Counseling Service. After submitting all the modification papers to XXXX they sent a letter to nationstar recommending a modification! They along with us sent all the papers to nationstar- which they lost after months of waiting. We sent more updated copies to Springboard and nationstar and after months of waiting they lost them again. We submitted more and more copies over the period of 2 years only to be asked to send more. These people are the most incompetent crooks I have ever dealt with. They kept giving us a new so called- " dedicated loan specialist '' every few months. You could leave messages to these jerks forever and never hear back. I was told 2 times by nationstar people that all papers were complete, and they would have a decision for us soon. Only to be asked for more papers again. My story with them could go on for hours, but must stop. We finally gave up, and filed a complaint with my local congressperson. It helped a bit, but then once again the request for the same submitted paperwork. We have completely given up all hope of dealing with them. They know I am XXXX, and that we are struggling. That 's why they will continue to torture you until they know you will give up. What is our once great XXXX coming to when a company like nationstar ( I refuse to capitalize their name ) can treat people like this, and get away with it. The very people you they make a living off of- so they can pay their greedy CEO millions of dollars a year in bonuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that have are negatively being reported that shouldnt be on my credit report in the first place. Which in turn is destroying my lively hood and peace of mind In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report I havent been able to fully utilize or enjoy my credit due to these discrepancies these false and negative reports are tarnishing my reputation and harming my integrity. 

FCRA permits an individual to recover money damages if they can prove they were harmed by false credit reporting. The categories of damages include statutory damages, actual damages and punitive damages. 15 USC 1681n and o. 

Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distressIt includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry and XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ; see also XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( actual damages may be emotional in nature ) ; and XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .Other categories include loss of credit opportunity. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Economic or financial loss is also recoverable. XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. Equifax Information Services, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the Fourth Circuit approved an award of emotional distress damages of {$150000.00} for credit reporting violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from Experian. I have tried for 6 months this year and they are refusing to furnish me with a copy of my credit report. 

There is a credit freeze on my account that I have cancelled several times. 
Experian keeps renewing the credit freeze with out my permission. 

Experian intentionally does not list a phone number to speak with a representative to resolve any credit issues with Experian. 

Experian is not complying with the COVID-19 guild-lines to allow credit customer 's access to their credit reports every 7- Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete accounts that are not mine police report with accounts listed on XXXX and EQUIFAX has been sent out by mail
Product: Money transfer, virtual currency, or money service

PayPal closed my account onXX/XX/XXXX for no reason, giving me the excuse that I went against their user policy. I surely did not after going through their user policy and seeing that they are lying to me. After myself emailing them many times, they will not help me with getting it back up and going. I have been to the financial Ombudsman but all they could do was contact Paypal on my behalf, but Paypal ignored them and said their decision was final. They are holding my money for 180 days XXXX XXXXXXXX to be exact. I have not been able to get help from them for for 2 month. I run a small business of which I am the only person running it, and this is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Mortgage

In XXXX of XXXX, my XXXX  grandfather 's home was sold without having a clean title. My aunt sold this property for {$400000.00}. In XX/XX/XXXX, my aunt opened a HELOC at Regions Bank for {$75000.00}. On XX/XX/XXXX, my aunt passed without leaving a Will. In XX/XX/XXXX, an aunt on her mother 's side serving as Administrator opened a Probate estate. Leaving the account at Regions Bank. After being in court for approximately XXXX  years and the courts finally determining, she was not the rightful heir, I was appointed Administrator in XX/XX/XXXX. I went to Regions Bank to get as much documentation as I could to try and sort out the confusion. I informed the Bank manager of what had happened and that we suspected Fraud, and asked if she had deposited the funds in Regions and was told Regions had gone to a new system and that he did not have access as far back as XXXX. That all of the documents had been shredded? I asked specifically about the {$400000.00} and the XXXX loan, and he told me she did not have any loans open with Regions. He never told me she had a HELOC, but never used it, until last Monday, XX/XX/XXXX. The manager did tell me the deceased had XXXX checking accounts, XXXX CD or Savings and XXXX of the other, and that the previous Administrator had closed out all XXXX accounts. I then went to conduct some business and was informed Regions had an open XXXX on the property. I called, set up an appt at Regions and met with the assistant Manager who informed me the manager was on vacation, but he would be back the following Monday. When I got to the appointment, she had produced documents from XXXX? I guess she has access, but the manager doesn't. That threw up a red flag for me. I returned to Regions on Monday the XXXX, and the manager was informed, I was trying to close on a deal and was not understanding, why he has held all along that my aunt had no open loans with them. He then gave me a deposit slip he had written on, that we would need to pay {$1100.00}, for Charge off recovery and that it would be XXXX  days after payment before he would even request the release of lien. So, get the benefits of charge off and then recover the cash as well? I told him, that sounded like an internal problem and why would they pay out XXXX accounts without taking what was owed? He informed me that they had tried to contact my aunt in XXXX and XXXX of XXXX to inform of insurance being placed without a response. I told him, I know you were made aware of her death in XX/XX/XXXX, why would you not close out the HELOC at that point and I still don't understand why you would pay out XXXX accounts without taking what you say you were owed. This has nothing to do with us. I have been in the office to meet with him approximately XXXX times and each time told she owed nothing. The Title company has been calling for about XXXX XXXX weeks and no response. I feel there is fraud and a continuation of fraud, spite and unethical business dealings
Product: Debt collection

During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : Midland Credit Management Inc. The MCM account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

15 US. Code $ 1681c-2 a consumer reporting agency shail block the reporting of amy Information in the file of a consumer that the consumer identfies as information that rested from an alleged identty theft, noe later than 4 buniness days after the date of receiot. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these inters IMMEDIATELY!

These accounts should not be furnished en my consumer report as they are in VIOLATION?!!

Under, 15 US Code 1681b - Permissible purposes of consumer reports [ a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnah a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the DONE er to whom it relates. I NEVER gave any consumer reporting agency WITTEN CONSENT to report anything on my consumes report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of accounts listed Transunion inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX - XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 this company is still reporting a false account on my credit report after stating that they would have it removed it from 3 credit bureaus.