23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since  XXXX    XXXX   I have applied for a reduced payment plan for my private student loan because the payments are extremely high and I do not make enough to cover the payment. This resulted in a lower interest rate on the loan. I have to reapply every year, which I do, starting in  XXXX . I submit all of the required paperwork and I start calling at the end of  XXXX  to ensure that Navient has received the required paperwork. This year, I submitted all of the required paperwork in  XXXX . I called the first week of  XXXX  and was told that it was too early for me to call and reapply and that they would not help me at that time. Someone then called me  XXXX   XXXX  and said I needed to reapply for the reduced payment plan. We started the process and then halfway through, she said that she could not help me because I had to wait until  XXXX  to reapply. I informed her the plan expired at the end of  XXXX  and the paperwork I received stated that I have everything completed by the end of the month. She said there was absolutely nothing she could right now and that I had to wait until  XXXX . She then told me that she would call me on  XXXX   XXXX  and actually scheduled an appointment with me. However, I never received a call back  XXXX   XXXX . I called Navient on  XXXX   XXXX  to discuss my application. The first person I spoke to on  XXXX   XXXX , tried to tell me that I had a past due balance of over {$900.00} because  XXXX  's payment never processed. When I log into the website, it shows that the payment for  XXXX  was received. I also have emails and bank statements showing the payment was posted. When I asked her to please check the records again, she 'accidentally ' hung up on me. I called right back and got someone else. She tried to tell me that I had a past due balance of over {$500.00}. When I asked for clarification on where she was getting that number, again, I was 'accidentally ' hung up on. I called back again, again, got someone else, who told me that I could not apply for the reduced payment plan. When I told her that 's not what I was told in  XXXX  and  XXXX  and could she please check on the requirements, again, I was 'accidentally ' hung up on. I can not get anyone at Navient to give me the same answer, every person I spoke to gave me a different amount of what was owed, NONE of which matches what is showing as due online when I log into my account. It is IMPOSSIBLE to get anyone there to answer my questions and I do n't know what to do. Any help with this would be greatly appreciated!
Product: Debt collection

I broke my lease with XXXX at XXXX to move to a better location. The account went into collections and was purchased by Fair Collections and Outsourcing ( FCO ). I paid off the debt directly with XXXX at XXXX, who no longer has any records of the debt. FCO continued to report negatively to the credit bureaus, however, and failed to validate the debt at my request. On XX/XX/2018 I sent FCO a certified letter disputing the account and included a copy of a letter I received from XXXXe at XXXX confirming that they have no records of the debt, but FCO is still reporting the account to XXXX and XXXX.
Product: Mortgage

First Hawaiian Bank ( FHB ) purchased an insurance policy for my mortgage prior to the current policy lapsing. I have documentation that FHB purchased an insurance policy on XX/XX/XXXX even though policy didn't expire until XX/XX/XXXX. My account was then charged on XXXX for {$37.00}. I spoke with FHB representative XXXX XXXX on XX/XX/XXXX and she said it was an error on FHB end and that I would be credited back he {$37.00} within a couple wks. It has now been over a month and I haven't received a refund and when I reached to XXXX last week ( XX/XX/XXXX ) she never responded.
Product: Debt collection

XX/XX/XXXX {$950.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$850.00} And another {$40.00} charge, not sure of the date. 


Have no idea of these ER visits. I'm a victim of identity theft and have been battling since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are selling buying and reporting my information with consent which is violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Mortgage

I was working with Quicken Loans for the loan I was trying to obtain. They approved it and ask me to get an appraisal on the house. After this was done Quicken denied the loan. I asked about a refunds on the appraisal and they denied it. According to them it was a service provide that is non-refundable. I was not told this upfront only after everything was done. Now I want to used another lender and they mentioned I might have to to another appraisal done. I am very displeased because this is money coming out my pocket and its not cheap.
Product: Credit reporting or other personal consumer reports

I submitted to al XXXX credit bureaus, my police report, my DL, SSC and utility bill. I followed all steps from identity theft gov.. I submitted prepared letter from identity theft.gv and I keep getting the same message back as verified. I asked for the proof of signed documents by me and payment history, but never received anything back. I have been doing this for over an year now, inspire of my police reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX 2., EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Student loan

Last month ( before XX/XX/18 ) I tried to pay off a student loan I had with XXXX XXXX. After getting on the website and seeing that I had no student loans available I called their customer service department. I was told that the loan was transferred to XXXX  XXXX  XXXX and that I needed to pay it off with them. I called XXXX  XXXX XXXX on the same day and was told that it was not available in their system yet. I checked my account again today ( XX/XX/18 ) and it is still not available. During this time I am still accruing interest and I am wanting to pay the loan off. I was told it would take 10 business days. It has been 14 business days and my loan information is still unavailable. After checking the XXXX  XXXX XXXX website for complaints, I have read about people waiting up to four months for their loan to post to the website. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XX/XX/XXXXXXXX on XXXX XXXX, 2023 with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I sent copies to the bank to show who sent me the money. And I sent a copy of an invoice showing where I was trying to wire the funds. I have been trying repeatedly to reach out to the bank to see whether the information I sent was enough but they make up excuses that we have a bad connection and that they dont understand what Im asking. How is it that all other departments can hear me clearly and they dont. I have cooperated with them by doing what they have asked such as opening new accounts until my account was being investigated but they closed the new accounts as well. And kept my money from there as well. I had struggled to find a way to get my checks from work paid to me cause they only pay through direct deposit. I had no way of getting to my money so I had no money for food rent and bills. One thing that they really want is for me to pay my credit card bill I have with them. But without an account I have no way of paying it. THEY wont release my funds to me. They are making me feel like a XXXX because of a wire transfer I cancelled.
Product: Mortgage

We applied for a loan modification in XX/XX/XXXX with Wells Fargo, and had to fax the information over and over to different case workers. They responded : ca n't help you unless you stop payment. So we stopped payment. They simultaneously agreed to work on a modification AND put us in to foreclosure proceedings. More faxing ( with ridiculous deadlines every time ... the stress was indescribable ). More names of new customer service reps over and over. XX/XX/XXXX, they modified the loan BUT NEVER TOLD US. We were forced to short sale XX/XX/XXXX - that 's when we found out about the loan modification ( that they never advised us of ). " You mean we could have afforded our home??? '' Too late. Interestingly, the national mortgage settlement paid those who lost their homes before XXXX/XXXX/XXXX. And these abusive practices became illegal in California starting XXXX/XXXX/XXXX. Our loss landed between those XXXX dates, XX/XX/XXXX. We seek justice and have documentation. Of course, the toll it took on our family ca n't be documented, unless you count the scrap of paper I found under my son 's pillow. It said, " My wish. To go into my old house just one more time. '' He took it pretty hard. He was XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Wells Fargo Mortage, if forcing flood Insurance on my account at the highest rate. 
I am part of a current law suit over this situation. 
I dont live near the XXXX and my home is a manufactured home which is XXXX Feet off the ground anyway. 
The area I live in is a a/b flood zone which means it could flood in XXXX years. This allows FEMA and the bank to charge whatever they want and ignor the height of the home etc. 
Iam unable to obtain a elevation cert. as no company wants to take the time for my home where I am meaning its not worth it as it is highly unlikely to occur and if so my neighbor does not have to have it. If there was a great flood he would under water well before myself as he is in a standard block home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 tax liens showing on my XXXX Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via XXXX website on XX/XX/XXXX and XXXX sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
Product: Credit reporting

LexisNexis XXXX reported to XXXX XXXX XXXX incorrect Indiana XXXX information. Called LexisNexis XXXX and asked how to get a certified XXXX record to them so they could delete the incorrect report they were sending out. I was told I can not provide a certified XXXX record and XXXX and the Indiana XXXX is responsible for correcting the incorrect third party information. The refusal to allow me to provide the certified dmv record is affecting my auto insurance renewal and the incorrect information resulted in a refusal to renew auto insurance effective XXXX/XXXX/16. I spoke with XXXX ID # XXXX on XXXX/XXXX/16 at XXXX XXXX at Lexis Nexis. They are providing information that affects my financial well being and preventing me from obtaining auto insurance. This is a consumer reporting agency - third party - and they are providing incorrect information and will not allow me to dispute the information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking XXXX of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system.

This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time.

Also we have been paying {$1000.00} additionally on each payment toward principle most months.

They told us that they would clear this up and still to this date we have had no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.