23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My father has been dead for XXXX years and was removed off the loan while XXXX XXXX was servicing it. Now I have Navient calling AND adding his name BACK on the accounts. I have been thru all of this with XXXX XXXX firm over a XXXX They ( Navient currently ) threatened me with seizure of property, that they would NEVER stop calling. I sent a cease and desist letter certified and already received, advising no contact BUT regular mail and Im still getting emails. I also requested proof of debt that I have yet to receive. Still less than 30 days though.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXXXXXX XXXX XXXX  {$26000.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX XXXX1600.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX, XXXX XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed. Equifax has verified it and removed both from my credit but  XXXX  and  XXXX  still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.
Product: Debt collection

Receiving emails from True Accord stating XXXX XXXX was the original creditor to a debt they claim I owe. When debt was overdue, XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX XXXX who currently owns this balance with True Accord handling the go after. 

Recipient on email reads as XXXX XXXX and is sent to my email acct. ( same used to set up this acct for this complaint ). 

Searched on the internet and found many complaints about True Accord including but not limited to the XXXX XXXX XXXX  Went to XXXX XXXX XXXX to file a complaint and was rate limited after trying to input the name of True Accord in their system only twice. THOUGH was able to see on the XXXX  site that True Accord has many complaints. 

Customer Complaints XXXX complaints closed in last XXXX  years XXXX complaints closed in last XXXX months Read complaints from here > XXXX XXXX XXXXXXXX Further found mention of True Accord using phishing techniques to gain contact information when searching the term " true accord debt collection scam ''. HOW they ended up with MY email for another person 's ( possible ) debt I have no idea. BUT- it's becoming more and more dangerous and sketchy to open emails or click anywhere on the net. 

Will be calling the phone number provided on the email on XXXX. And I am unsure just how to proceed further. OF COURSE I won't click on the live ( linked ) words or boxes on the email. 

Please look into True Accord- and advise if making a complaint to you has been an appropriate move to help me AND citizens in the future. 

Thank you
Product: Student loan

When I first signed my student loans, all were under XXXX XXXX. I was told by my college, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, that I would need several more loans to in order to graduate. I did not qualify for another federal loan, so it was recommended that I apply for a private loan. That was in 2009. Once I graduated and began making payments, I was told by XXXX XXXX that all of my loans qualified for Public Service forgiveness if I remained in a public service job for 10 years and made 120 on time payments during that time. I also applied for income based repayments ; I make FAR LESS than what the Department of Education thinks I do. For some reason they have decided to make their income based repayment plans based on what someone makes BEFORE taxes ; not after. I honestly do n't know how the people that work there can sleep soundly at night after making this decision. but I make the payments. I have been on this plan for three years. Each year I reapply for my income based repayment plans. Under XXXX XXXX this was not a problem. My loans have now switched over to Navient my problems have gone from bad to worse. They have decided to inform me that my private loans do not qualify for public service forgiveness, nor do they qualify for income based repayment. After THREE YEARS of being told otherwise. I make {$1600.00} a month after taxes. Navient takes around {$560.00} ( both private and Federal loans ) of that. that 's XXXX % of my monthly income. I 'm XXXX years old and have to live in my parent 's basement. I make more than what I ever have, and yet I still live from paycheck to paycheck. It 's humiliating and degrading. The one hope I had, The public service forgiveness program, has now been ripped away from me. It is unfair of the Department of Education and of Navient to demand such unreasonable repayments. I have all the desire in the world to get these paid and yet no one is willing to work with me so I can regain my dignity and actually feel like an adult while making these payments. If this continues, I will continue to be stuck in the same situation I currently am in.
Product: Mortgage

My Covid forbearance ended on XX/XX/XXXX and I applied for a VA Disaster Modification. I was told in XX/XX/XXXX that the request was denied but was never told a reason. I am able to make all mortgage payments and can afford an increase to the mortgage payment if that occurs. On XX/XX/XXXX I applied for a VA Partial Claim and was told on XX/XX/XXXX that the Partial Claim will not be reviewed until a Modification Application has been submitted. I personally spoke with the VA Regional Office and they advised the VA Disaster Modification and the VA Partial Claim DOES NOT require a modification application. I would like the lender to consider me for the VA Disaster modification OR the VA Partial Claim again I am fully able to make the mortgage payments even if the payment amount increases.
Product: Debt collection

I was contacted at my job on XX/XX/2020 ... .he XXXX XXXX XXXX ) left a msg with someone to call back. I didn't get the msg so the collector called again. I advised him that I was at work and to not call me at work, I advised him to call my personal cell phone. He apologized and said that he wouldn't call my work again. The next day XX/XX/2020 he calls my work again. Same thing, I tell him that i can not talk at work and to stop calling my job, he apologizes again
Product: Mortgage

Nationstar refuses to communicate with me regarding my mothers loan in which I am the Grantee. I have provided them copies of the Quitclaim Deed and informed them of my mothers passing and that I would like to do everything possible to save the home as I have been living here and plan to live here. There is a current auction on the property
Product: Debt collection

I received a letter today XX/XX/2019, about a debt I do not owe. The letter is dated XX/XX/2019 and I have the Post Office imaging service that provides a picture of the mail on a daily bases. As you can see in the attached image, the letter was received on XX/XX/2019, 10 days from when the letter is dated. The same day i received the letter, I started to receive phone calls to my cell phone from Credence Resource Management, I provided a picture of my call log on my cell phone. Both are violations of the Fair Credit Reporting Act. I have 30 days to dispute the debt prior to any harrassing calls and Credence is calling my cell phone. I'm on the do not call registry for over 10 years.
Product: Credit reporting or other personal consumer reports

I attempted to log into Equifax 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the Equifax settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few thousand in fees, improper interest and other effects from this breach to my data.
Product: Credit reporting or other personal consumer reports

Upon my submission of a re-investigation of Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Experian, it was determined that this account has been falsely manipulating my credit worthiness and in it's inaccuracies. I reached to the agency in writing, via certied mail and have yet to be contacted and /or received any response pertaining to this issue. According to the FCRA, 512.290 Timely error notice and reconsideration review process. ( 1 ) Unless a timely error notice is received byCMSwithin 45daysof the date of issuance of areconciliation report, thereconciliation paymentorrepayment amountdetermination specified in thatreconciliation reportis deemed binding and not subject to further review. 

( 2 ) IfCMSreceives a timely error notice, thenCMSresponds in writing within 30dayseither to confirm that there was an error in the calculation or to verify that the calculation is correct.CMSmay extend the deadline for its response upon written notice to theRO participant. 

( 3 ) Only theRO participantmay use the timely error notice process described in this paragraph and the reconsideration review process described inparagraph ( b ) of this section. 
This is a direct violation of my consumer rights and I ask that this account please be removed.
Product: Debt collection

I am lodging a formal complaint hunter warfield inc. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$250.00}, which i have no clue about because i never recieved a dunning notice before warfield reported on my credit reports, which is a violation of the fdcpa/fcra. debt collectors must send a dunning notice before reporting which gives the person 30 days to dispute validity. not one notice from warfield, not even a phone call. i am in the process of purchasing my very first home for my family and i. now im being told this collection account is holding me back from my dream house. i am requesting immediate deletion of this account from my credit reports. better business bureau, and attorney general complaints will be filed if this account isnt deleted. thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to this letter to formally dispute several unauthorized information that appears on my credit report. I never gave them written consent to furnish my information or obtain my information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, companies must have a permissible purpose to access my credit information. I did not authorize these inquiries, and therefore, they constitute a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized accounts on my credit report, indicating possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. XXXX this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely impacting my ability to achieve key financial goals, such as purchasing a home and providing for my family. I urge you to resolve this issue promptly.
Product: Mortgage

Nationstar Loan number XXXX. Payment was XXXX per month. 

XXXX 2015 Nationstar billed me XXXX, When I phoned customer service to inquire, the rep said that they had raised the payment. Nationstar never sent any letter of explanation. This is my homestead property and I am an XXXX person.
Product: Mortgage

I want info on recasting my mortgage. 

Loancare is the absolute worst. 

They have no human beings to handle inquiries. Only an automated system without this option. Utlitmately it keeps hanging up on me. 

I did not choose to be a customer of this lousy company. My mortgage got sold to them.
Product: Student loan

Fed-loans will not grant me XXXX loan forgiveness for working in a low-income school even though I have since I began teaching in XXXX XXXX, XXXX. The school that I worked at for my first two years of teaching were so low income that the XXXX XXXX Department ended up closing the school down. The have a hired man who is over all things about that school at the XXXX ( XXXX XXXX Arkansas XXXX ). When I submitted the form for XXXX loan forgiveness it was for 2 years at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX. That is the address for the XXXX because the man, XXXX XXXX XXXX, in XXXX company is the XXXX XXXX for the paperwork dealing with that school. I have combined 3 years that I had for teaching at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX, to equal a total of five years of teaching service in a low income school which qualifies me for XXXX loan forgiveness. It was denied based on having NO XXXX office signature which it does have to qualify. I submitted it this way for a total of 4-5 times, each time I was denied for either the same reason or not qualifying for enough years taught even though I do have the 5 years. I then waited til I had 5 years total at XXXX XXXX XXXX XXXX to re-apply. When I re-applied I had talked to fed-loan servicing department and had been given step by step directions that I needed to follow to ensure that it would not be denied. I followed the directions completely and re-submitted to only be denied again. I then waited til XXXX to try one last time to get the loan forgiveness that I fully qualified for to only be completely ignored by Fed loans who 's only response was to send me an application for XXXX loan forgiveness, the exact form that I had submitted. So thinking that was a lost cause I then applied for XXXX XXXX loan forgiveness which is where if I teach and pay for 10 years then my loans are forgiven. XXXX XXXX, XXXX will be 10 years so I applied and to no surprise was denied for that as well. I am a community helper that gives back on a daily basis and it is not right for me to be making less than a waitress after 2 degrees and 10 years of public service. I have worked Extremely Hard to better myself being the first and only of XXXX children to graduate with any degree at all in my family. The least that could be expected is that I can make a living without worrying about having the money to support our XXXX children!
Product: Credit reporting or other personal consumer reports

I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section 1681c & section 1681s ( a ) ( 1 ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a email saying I deposit a check and withdraw XXXX dollars. That was not me I ask hem to please pull the camera at the atm. I had informed them that my wife car was broken into and my wallet with soc and Id and her purse was stolen.
Product: Credit card

A totally lazy off shore Wells Fargo employee who simply didnt want to do his job, but just get paid by Wells Fargo answered the phone and simply said I have no idea what youre talking about when I inquired why the fraud claim I had filed was not being investigated but rather a refund was clawed back in retaliation for me filing a fraud claim. Wells Fargo is extremely unethical and is engaging in unlawful business practices- including by employees who cant be bothered to actually log on to the computer and do their jobs.
Product: Debt collection

Received a spoofed number call from XXXX XXXX. Told me that my husband and I would be arrested and taken to court and that he would locate me at my premises. Then called my mother on another spoofed number threatening to break in to find me ( meanwhile I own a home ) and he would hunt for me. Stated it was in regards to a Mobiloan account. And to call XXXX. I am contacting an attorney too since this behavior is uncalled for.
Product: Debt collection

On XX/XX/2018 and and XX/XX/2018 i sent a debt validation letter regarding this account to Portfolio Recovery Associates LLC. See the attached letters. Asking them to show written agreement of the alleged debt in question as it is shown on all 3 major credit bureaus reports. it is unlawful to report an unverified/unvalidated debt. I got a response from Portfolio Recovery Associates on XX/XX/2018 see the attached letter! and it was vague and did not address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

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

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX  XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} EXPERIAN BUSINESS CRED Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  ( Original creditor : XXXX ) Balance : {$540.00}
Product: Checking or savings account

On XX/XX/2023 {$760.00} was taken out of my Chime account because someone purchased a motorcycle. Apparently the motorcycle company was a scam because I called them and the number didnt exist. I made chime aware of all this and asked for my back. Chime refused and denied my dispute. I told them im a XXXX XXXX and that money was to help me get a car. When i asked for the investigation paperwork, i was give forged documentation by CHIME.
Product: Debt collection

Hunter Warfield has placed a collection debt on my credit profile for a apartment complex, the social used for the apartment is not my social as well as I never received written notification of debt, I tried to dispute directly with XXXX  but came back as verified not sure how when its two completely different social security numbers.