23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX and XX/XX/XXXX home owners successfully completed two forbearance trial payment programs with XXXX XXXX. ( See attached proof of payments. ) In XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sued the homeowners for foreclosure. In XXXX, home owners mortgage was sold by XXXX XXXX to US Bank National Association, and XXXX XXXX XXXX became the loan servicer. In XX/XX/XXXX, we were in the process of a loan modification with XXXX XXXX, which was wrongfully terminated by a robo-signer, XXXX XXXX XXXX who was operating on behalf of XXXX XXXX at the time. This termination was fraudulent and prevented us from completing the loan modification process. 
Details of the Complaint : 1. Fraudulent Loan Modification Termination : o The loan modification process initiated with XXXX XXXX was abruptly and wrongfully terminated by a robo-signer, XXXX XXXX XXXX who was involved in the fraudulent practices that XXXX XXXX has been penalized for. o We have definitive evidence that the loan modification was terminated without proper justification, directly leading to the wrongful foreclosure on our home. 
2. Wrongful Foreclosure : o The wrongful termination of our loan modification resulted in the foreclosure proceedings being initiated and continued by US Bank National Association and XXXX XXXX XXXX. o This wrongful foreclosure has caused significant financial, emotional, and reputational damage to us as homeowners. 
XXXX. Legal Fees and Property Repairs : o The bank has incurred legal fees far exceeding the value of our property, and we estimate that continuing litigation over the next 14 months would double these costs. o Additionally, the property requires an estimated {$92000.00} in repairs, further compounding our financial burden. 
XXXX. Comparison to XXXX XXXX CFPB Settlement : o Our situation mirrors the fraudulent practices for which XXXX XXXX paid {$3.00} XXXX to the CFPB. Like many other homeowners, we have become victims of the systemic issues within XXXX XXXX loan modification and foreclosure processes.
Product: Debt collection

I was contacted about 2 months ago by someone claiming I had a payday loan from several years ago ( XXXX? ) that was due. They claimed it was between $ XXXX and it was never paid. The ONLY payday loan I ever took was from XXXX back in XXXX of 2013 for a trip to DC for my anniversary but this was settled and a terrible experience.
Product: Debt collection

I have received many calls from the debt collector stating I owe a balance that is false I tried to resolve the issue but even contacting the original Creditor Name XXXX XXXX XXXX XXXX they say the debt is coming from who also verified that I owe no balance of such at all in the matter and this should had never been send and also informed them to delete from credit file ad close account but I am still getting harassing calls on this matter that should had been removed and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 card or prepaid card

I received a NetSpend gift card from my XXXX nephew for XXXX. I tried to activate it and was told it was a credit card. I let the customer service rep know I did not want a credit card, I just wanted to get the funds off the card. I was told I couldnt use it as a gift card. I replied that my XXXX XXXX nephew bought it off of a gift card rack at XXXX XXXX, how could it not be used as a gift card. After getting the run around I hung up. 

Today, after a few weeks, I have cooled off and called again today. I was told the same story, but the customer service rep at least was willing to see if she could make it a gift card instead. I was put on hold and when she came back on line she told me the card had expired. I asked how could it have expired when the date on the card showed XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a follow up CFPB complaint as to make sure the EXPERIAN and XXXX Credit Bureaus, under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove these items which are found to be opened due to identity theft. And I am just doing a double assurance so that the mentioned Credit Bureaus will REMOVE THE LISTED ITEMS in this complaint. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ) in this follow up complaint. Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the Experian and XXXX Bureaus to REMOVE : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$11000.00} XXXX : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022
Product: Credit reporting

I first disputed with experian numerous accounts to have validated and legally able to report. I got back a list in which they refused to investigate stating they investigated and dont need to. Then I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. Experian doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue and what did they send back a form letter saying how they do investigation and that they wont reinvestigate. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.
Product: Student loan

Subject : Complaint Against Nelnet for Removing Me from SAVE Forbearance and Accruing Interest in Error Issue : I am filing a complaint against Nelnet regarding a wrongful removal from the SAVE forbearance program, resulting in unauthorized interest accrual on my student loans.

Details : I was originally in the SAVE forbearance, meaning my loans were not accruing interest. In XX/XX/XXXX, I received a notification stating that I needed to recertify my income before XX/XX/XXXX to remain in the SAVE plan. Concerned that recertification might impact my current forbearance, I proactively contacted Nelnet to confirm whether I needed to take action. I was assured that recertification was necessary. However, after completing the process, I was removed from SAVE forbearance, and my loans began accruing interest. 

Starting in XX/XX/XXXX, I made eight calls to Nelnet to resolve this issue : XX/XX/XXXX ( three times ) I inquired about why my interest was accruing. I was informed that my removal from forbearance caused this. I asked why I was removed and was not given a clear answer. I was told a request had been submitted to reinstate my forbearance and that interest accrued due to this error would be credited back. I called twice more that day to confirm the request was properly submitted. 

XX/XX/XXXX, XXXX, XXXX, and XXXX Each time I called, I was reassured that my reinstatement request was in progress and that my accrued interest would be credited back. 

XX/XX/XXXX I was suddenly informed that no such request showed in my account and that I would have to wait until XX/XX/XXXX, to re-enter SAVE forbearance. I was also told that the interest accrued due to their mistake would not be refunded.
Product: Credit card or prepaid card

I hope all is well.. 

I would like to state thank you very much for giving me PayPal credit with your company for all these years. Its very much appreciated. The first time in all the years I have had my PayPal credit during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay PayPal credit completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the PayPal credit. Please take all the late fees off. I will be paying PayPal credit off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Product: Debt collection

Get a call almost every day and sometimes a voicemail left. It's an account for XXXX for only {$50.00}. I've set up payment twice for the discount price letter i got in email said i could pay that didnt go through. First payment I forgot about as they don't send reminders and didn't have enough on card and second time I had to end up using all money on card for rent that just went up. I know the payments didn't go through. I have not told them to stop calling but I've sent 3 emails to them mentioning the things and saying I know payment didn't go through etc with no responses back so probably wouldn't respond to a no call email. Phone calls are automated. I will get the payment made, I just would rather not have the phone calls. I know about account and I know I need to make payment and will try this coming week. The phone number I entered above is my only phone number so please don't start trying to contact other people, I don't live with any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | Coastal Credit LLC | XX/XX/18 |
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 XXXX XXXX XXXX. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Mortgage

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX. In complaint XXXX. XXXX XXXX XXXX states that this account has been in collection and is now foreclosed. I have never given XXXX XXXX XXXX any permission to share any of my identifying information with any third-party. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the Assignee and the assigned are both liable for violations under 15 US code 1692e ( 12 ). I am also aware that the definition of a collection pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. '' Nowhere in the FCRA does it state that they're require to report negative information to my consumer report. I have reason to believe that any third-parties are choosing to share this non-public information to my consumer report with forethought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. Account XXXX.
Product: Mortgage

My father passed away XXXX/XXXX/2015 and the mortgage company OCWEN Loan Servicing continues to add fees to his account, {$30.00} to tell me how much top pay off the mortgage, {$19.00} to pay over the phone. They tell me they are a business so they can charge fees ... ..Charging fees on an account of a deceased person is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony back charged a total interest of {$1300.00} over the past two months.After tirelessly following up, they refunded {$980.00} and {$190.00} on two separate instances..But still a {$190.00} of interest is remaining for the full amount to be refunded, which I called customer care and got a response system not allowing. I'm logging this additional complaint to urge them to get that amount also refunded without fail..When i paid off the amount, that resulted in overpaying the outstanding balance..Included the statement showing the payment of {$3300.00} last month for a payoff. 

Please note that through out the last year i was making regulat payments via autopay and suddently this high interests got changed in the month of may.As soon as i noticed this, paid off the full principal amount, with the interests remained in my account. Need assistance in getting this to correct this error and have them settle this reminder balance also.
Product: Student loan

aidvantage, I have been calling in order to understand what has happened to my student loans. all three times I call the operator was rude, and put me on indefinite hold. 

I m very upset. I m trying here. I would like some clarity on what is happening to my loans, when they will be due and maintain a healthy relationship with this burden. 

I can not believe how unprofessional Aidvantage operators are. It is already hard enough to make payments, now I have to deal with children like behavior from the operators. This is not a game, this is my life. I m trying to put an end to this 20 year debt burden I have. 

XXXX XXXX
Product: Checking or savings account

Wells Fargo filed a claim on my account. Which they wont fix. I never filed claim on my account. Wells Fargo made a fraud on my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on XXXX separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Bank XXXX Missouri ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Bank XXXX A ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESSES REPORTED 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: Debt collection

I have an auto insurance policy on XXXX XXXX XXXX then they increase my policy payment from {$110.00} to {$150.00} without telling me because I was paying auto payments they just increase my policy payment then I called them and I told am going to cancel their policy I cancel XXXX XX/XX/2022 while two days left my for my regular payment due, even I owe them two, despite all this they sent my information to credit collection They not told me anything that they owe me Because they didn't owe nothing This is not fair, increasing the policy payment without notice and then sending me to collection when I cancel their policy
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported XXXX XX/XX/XXXXon my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.