23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX # : XXXX ), I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Mortgage

I submitted a short sale package along with an offer to Capital One Bank on XXXX XXXX, 2016. A review to participate in a short sale was completed on XXXX XXXX, 2016. As of that date, the file is in the process of being assigned to a negotiator and nothing has happened in reference to an actual review of the offer. It has been 15 business days of inactivity and we can lose the prospective buyer because of their inaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my credit profile I've asked XXXX to do a full investigation into this fraudulent account and delete it immediately however XXXX is continuing to report fraudulent information on my credit profile with no explanation of the investagation
Product: Student loan

I am a XXXX XXXX  with a lot of student loans since I was not able to afford college and did not know any better at age XXXX. I am currently on the PAYE IDR plan. Per the Government Student Aid website under COVID-19 Emergency Relief, it states " The earliest you could be required to recertify is XX/XX/XXXX. '' Link attached here XXXX XXXX XXXX XXXXXXXX I was asked by Mohela to recertify by XX/XX/XXXX. I recertified in XX/XX/XXXX because they did not let me know about this exception. I feel tricked and betrayed because now my payment has risen substantially. As soon as I realized they shouldn't have asked me to recertify before XXXX, I called them and asked them to cancel my application. They said they would, then didn't. I have called them a total of 5 times in the last week- each time being placed on hold for more than an hour. They told me nothing can be done. 

Ideal resolution : I need my old IDR plan payment back ( I was paying XXXX  and now my payment has gone up to {XXXX} unfairly ) and my recertification date to XX/XX/XXXX as stated on the Student Goverment Aid website.
Product: Checking or savings account

Hello, I am a XXXX XXXX XXXX women with a permanent XXXX. I opened a checking account with Union Bank in XXXX XXXX, XXXX. in XX/XX/XXXX. I had my XXXX direct deposit going to this checking account, & I never had any problem until In XX/XX/XXXX, my balance was around {$31000.00}. I wrote some checks for total of {$26000.00}, ( which include XXXX check for {$14000.00} to my XXXX XXXX ). If Union Bank paid all my checks, my remaining balance would be {$5700.00} plus my direct deposit of {$1700.00} which gets deposited on XXXX of each month. That would make my balance {$7400.00}. On XX/XX/XXXX, Union Bank paid XXXX total of {$7000.00} and on XX/XX/XXXX paid again to XXXX {$10000.00} which I have no idea who this is or I don't know how they got my information or my account number. When I was checking my account balance to see if my direct deposit was in my account, I noticed there was a negative balance of {$13000.00}. I was shocked and panicked, and quickly rushed to the bank to resolve the issue. The Union Bank Manager stated that I authorized XXXX to approve the charges, but when I explained the situation to the teller of the bank as well as the manager, they both said I do not believe you and was very rude. The manager said too bad and that we already pay them, and that I owe them {$11000.00} since the bank took my direct deposit of that month, otherwise it would be {$13000.00}, because of that {$14000.00} check to my insurance, bank made my account negative & closed my account and send me to collection. 

Please help me retrieve my money back from the bank, since the bank paid over {$17000.00} to XXXX without even verifying with me. They didnt check to see history of my checking account that I have never paid anything to XXXX in the past. They did not even bother to call me to verify the transaction. In reality, I feel like they assisted XXXX to rob me because they did not do their due diligence. I trusted the bank since I have been a long time customer with them with no issues. 
They dont understand that was my life saving and working very hard to save this. And I cant live my life like this with bad credit and no money after all my life working hard. Please see attached statements and help me to recover this. 
Thank you
Product: Mortgage

I requested a modification to Select portfolio on XX/XX/2016 attached you will find out the application with the supporting document but they had me in a dual track and now they said they do not have any application at all and had my home in foreclosure I had a complaint throe ambundsam consumer and i had no response at all over the pone they said that i will be receiving a payment plan and today they said there is nothing on file and there is no record of calls this company is been doing this to me fore the last 3 years and do not care about home owners bill of rights a list to review my financial information to have the opportunity to safe my home this collection agency refuses to validate the debt i need your help to save my home
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF EDXXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Debt collection

I had an issue with IQ Data, XXXX XXXX where I contacted a lawyer about a false collections. IQ data sent me a letter saying my balance was XXXX but they continued to leave it on my XXXX report. I made multiple attempts to contact XXXX XXXX who is my XXXX representative and they would either leave me on hold to avoid talking to me ( 2 hours or more ) and lastly they would just hang up on me not wanting to talk. I copy and pasted what was put on the letter below but have a copy of the letter as well that I can provide. This company had a lawsuit filed earlier in 2023 for violating federal debt collection laws in pursuit of a debt.
Product: Student loan

As part of my student loan record Navient is listing me as delinquent from XXXX thru XXXX of XXXX. Navient isreporting 90, 120, 150, and 180day delinquencies to the credit bureaus as past due during this  period. Moreover, they allege I owe late fees totaling XXXX XXXX   from these delinquencies. The former isnt possible as there were forbearances in place from XX/XX/XXXX to XX/XX/XXXX ( Sallie Mae ) and from XX/XX/XXXX to XX/XX/XXXX ( Navient ) respectively. Therefore the alleged associated late fees are a fabrication. 

Relevant History On or about XX/XX/XXXX Sallie Mae announced their reorganization and introduced Navient. Knowing I had a forbearance in place that needed to be renewed, I made numerous attempts to contact and register with Navient with no success. There were NO communications from Navient regarding the status of my forbearance, just standardized emails regardless of my many attempts to contact them. In XXXX of XXXX I sent an email to Sallie Mae requesting help, but didnt receive a response. In desperation, I requested help from the Student Assistance Corp, received a response in XXXX of XXXX but unsure I was just walking into another problematic student loan service provider continued to pursue Navient options. 

Navient finally responded to an email that I sent in XXXX of XXXX requesting forms for a deferment, a forbearance renewal, or to apply for an IDR plan. In their response they do mention an IDR option, but their focus is on deferments and forbearances. And their IDR information misrepresents the option and its requirements indicating ; If you meet the federal definition for partial financial hardship, you may qualify for a reduction in your monthly payment under this plan... There is no mention that under an IDR plan the payment could be zero, which is what I needed at the time. Moreover, there is no mention that the IDR option could lead to loan forgiveness. Renewing the forbearance option was pursued, and in XXXX of XXXX Navient sent their Notice of Forbearance Approval. The Forbearance ran from XXXX of XXXX to XXXX of XXXX consecutively from the earlier forbearance. Therefore there couldnt be delinquent payment ( s ) from XXXX to XXXX of XXXX as Navient is reporting to the credit bureaus. This would have been covered by the forbearance or administrative forbearance as indicated in their XX/XX/XXXX email. 

It was through contacting StudentLoans.gov that I learned the real value of an IDR plan. The first IDR plan was applied for, approved, and implemented in XXXX of XXXX. Two years were lost when I could have been on an IDR plan due to Navients negligence and misleading communications. 

In support of my complaint I can send copies of emails to/from the parties confirming my above statements are true. 

P.S. On XXXX a follow up complaint was registered with Navient via email regarding the alleged delinquencies. Typical of Navient ; to date I havent even received an acknowledgement.
Product: Credit reporting or other personal consumer reports

I provided Experian with all the requested information such as a Police Report, Federal Trade Commission ( FTC ) report, Driver License, Proof of address ( Bank statement ) in support of an identity theft dispute. They continue to not block the items off of my credit report when I have proved to them that I am a victim of identity theft and those accounts are not mine.
Product: Mortgage

I had a loan with my former domestic partner with First Home Mortgage. After the dissolution, I purchased the home from XXXX XXXX in XX/XX/XXXX. We had a joint mortgage through First Home Mortgage. We had money in escrow when the load was paid off and became inactive. The company sent us a check and put the wrong name for me. Instead of XXXX XXXX. The name on the check was XXXX XXXX, which we couldn't cash. I called the company in XXXX of XXXX and asked for another check in the correct name. I have called numerous times since then and I was promised it's being expedited. It is now XX/XX/XXXX. And still NO CHECK. I'm filing a complaint because I don't know what else to do. XXXX XXXX. Home address is XXXX XXXX XXXX, XXXX, RI XXXX inactive, paid off, transferred. 
XXXX ID - locate loan First. home mortgage Account XXXX XXXX
Product: Mortgage

A week before my home was set to go for sale in XXXX Flagstar told me they wanted to help me, called me, and asked me to send documents showing what we had done to the house so far. ( I used my own money for repairs ) they kept holding me off until a day or two before the sale, Flagstar did request to cancel the sale and was denied but I was informed by the courthouse that Flagstar could cancel without permission but declined to do so. When Flagstar called me to work something out and continued to work to foreclose my home is unethical, to say the least. I consider this to be dual tracking and illegal, I have since turned over XXXX to Flagstar but they still are foreclosing on me due to XXXX in fees. again they acted as if this was something that we could work out, especially since the principal of the home has been paid for but now I am set for foreclosure sale tomorrow at XXXX XXXX  even though my home has been paid for and the only thing left is fees
Product: Checking or savings account

The last year was a very hard year for me financially. I have been with Navy Federal for years, had XXXX accounts, XXXX checking, XXXX savings and an auto loan. Over the course of all of the years I had been with them I had never had any kind of fees. It stated on there that they would never charge you more than XXXX fee per day and most banks are willing to work with you when they see that you were trying, but not Navy Federal no, they kept charging and charging and charging my account, no matter what I paid so much money to Navy Federal, That I could have paid my mortgage twice last year, I couldve paid off my auto loan with them, and I might not have had to file bankruptcy. I paid almost {$5000.00} in fees in 2024. I pleaded with them to help me waive some of the fees or figure out how to put a stop payment on my account multiple times they did not help me at all, I could not stop payment through these other companies other companies were charging me that I didnt even know who they were, and Navy Federal told me that I could pay {$20.00} per stop payment so that it wouldnt happen again, well I didnt have {$20.00} per payment so they kept charging me {$29.00} fees sometimes XXXX times a day. They finally closed my main account down - {$1600.00} in fees with absolutely XXXX charges from me just fees. Now my other Navy Federal account is- {$90.00} and they told me if I put any money into it that they would just take it to pay for the money that I owe them, they literally told me that
Product: Credit reporting or other personal consumer reports

I lost my job in XXXX of XXXX - I received a severance and was making on time payments to XXXX until XXXX of XXXX. At this point I contacted XXXX and was placed on a mortgage assistance program which reduced my payments. I was required each month to call and check in with XXXX to report my job status and make my required monthly payment, which I did each month. I finally found a full time job in XXXX of XXXX. At this point I contacted XXXX to make my final reduced payment and to inform them I had found employment. During that call the representative told me that I was now required to pay back the balance that was deferred during the assistance program and I made a verbal agreement on the phone. I was told that I would receive a packet with the program details which I ( and my wife who is a co-signer on the loan ) would need to sign, have notarized, and return to XXXX. 

Today, XX/XX/XXXX, I received a report from TransUnion that XXXX reported by loan as severely delinquent ( over XXXX days ) - at time of this complaint I have not received the other notices from XXXX or XXXX which I am sure are coming in the next couple of days. 

During my call with XXXX on XX/XX/XXXX there was no communication that my credit report would be affected. I understand that my payments were " late '' due to the program but no where in my call or in the one letter I have received was it stated that our loan would be reported delinquent. My credit score dropped XXXX points just with the TransUnion report and I assume it will drop further when it reaches the other two agencies. They reported my entire loan balance of {$320000.00} as delinquent. 

I have seen multiple reports online that this has occured within the last 12 months from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX 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 XXXX XXXX XXXX XXXXXX/XX/2020.
Product: Vehicle loan or lease

Letter dated XX/XX/2023 from GM Financial Services that they are accelerating the loan in a vehicle I was behind on payments but cured the amount, the late charge of only {$90.00} was applied to the payment I made, and no letter was sent to me or an email that I there was a late fee assigned to the payment, instead they send a threatening letter demanding payment of {$90.00} or the note would be accelerated on XX/XX/XXXX, or in other words, they would repossess the truck, which I have alot of monies tied into. This is the same company who calls every day after the due date of the payment, sometimes twice a day including weekends. XXXX XXXX Veteran self employed as consulting engineer who has close to XXXX  XXXX owed to me from two deadbeat clients, not GM Financials problem, but I told them payment was coming and it was made, this letter is a show of threat and of a big company bringing their might upon a consumer without proper notice or consideration one would expect, {$100.00} gets my truck repossessed, thats XXXX  folks, are they within their rights, sure they are, does it illustrate how cold and uncaring they are or that they could have sent an email reminder rather than this letter which is beyond harmful and its on my credit bureau I'm sure,, {$90.00} XXXX dollars,,, unreal, I get the letter 4 days before the drop dead date, that's bad business practices, I plan on getting my bank to take the note over, I cant deal with this kind of XXXX as a XXXX Vet who is fighting VA for {$900000.00} of back XXXX pay, you see I know what it's like not to get paid, and these jokers pull this XXXX over {$90.00}?? They could have brought this to my attention by email, phone call or other means than this intimidating letter,,, I get the letter on the XXXX a XXXX, letter is dated the XXXX, repossession is for the XXXX,,,, its like they are setting me up to ail almost,,, ,Shame on them, Shame!! I am seriously considering suing them
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights.

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

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} - Late/OPEN - XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$350.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$830.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$760.00} - Late/OPEN - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1700.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} - Late/OPEN - XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$420.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because I originally filed a complaint with Transunion through the CFPB 's website on XX/XX/XXXX, CFBP case number : XXXX, in which Transunion responded back on XX/XX/XXXX. This response was outside of XXXX to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. As of XX/XX/XXXX, the time frame for Transunion to conduct a reasonable reinvestigation had expired since XX/XX/XXXX, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). Transunion only deleted one account as requested, which was XXXX XXXX XXXX, all other inaccurate, libelous, inequitable accounts remain. Transunion willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.