23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have student loans from my time at XXXX XXXX that I have been unable to afford the current monthly payments due to being unable to find employment that pays enough. My student loans are through Navient and I had requested several times over the phone to get enrolled in income based repayment and was told that my income was too high to qualify for those programs and they refused to even let me apply for them and told me the only thing I could do was put my loan into forbearance. After XXXX XXXX was shut down by the federal government due to fraud I asked to apply for the loan forgiveness program that was setup for XXXX XXXX students and was told that my loan would not qualify for that program and again they refused to even let me apply for the program and still continued to insist that I also still did not qualify for income based repayment. As a result my student loans have been listed in repeatedly in forbearance for the past 6 years due to being consistently unable to afford the monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some things on my account hurting me. These things to not belong to me. My identity has been compromised. Please delete these things from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017  Consumer Financial Protection Bureau : TransUnion is inaccurately reporting information on my credit file.   The account number in question is #  XXXX , & the company is  XXXX   XXXX .   This account is not mine.   I do not owe  XXXX   XXXX  {$890.00}.   I have a police report regarding this incident & provided TransUnion a copy of it.   TransUnion said they investigated the incident but did n't find anything wrong with the  XXXX  account.   I requeste d Method of Verification  & asked for a copy of the documents they used to determine there decision.   I have n't received them yet & they are still inaccurately & illegally reporting this account on my credit report.   I called  XXXX   XXXX  on  XXXX   XXXX ,  2017 .  XXXX  confirmed they have no records of this account.   However, TransUnion is reporting that I owe  XXXX   XXXX   XXXX .   In closing, I want TransUnion to investigate this incident & provide me with the 'Method of Verification ' used to determine the facts of the matter.   XXXX  I want this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right during COVID19. They reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe. 

1. The whole world is in lockdown during this late payment time and we are unable to perform our normal tasks and live normal life. 
2. They never sent a single email even they captured our email during financing. 
2. They sent letter in postal mail about pending payment but due to COVID safety and health concerns we are unable to open the letter on time due to quarantine. 
3. They do have all our Bank information where they are withdrawing from last year and we are unaware of their stringent rules that I have to manually re set up Bank information. 
4. This is only first payment after refinancing and they did not communicate me on time and in right channels. 
5. Their phone calls are mixed with marketing calls and unable to differentiate between all their calls are coming from same number.
Product: Credit reporting, credit repair services, or other personal consumer reports

there accounts don't belong to me. please remove accounts : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

erlywaring will not remove accounts XXXX  will not remove accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to a data breach my identity was leaked causing fraudulent accounts to be made and placed on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XXXX/XXXX/XXXX I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.
Product: Money transfer, virtual currency, or money service

This is follow up of XXXX, because Truist misled me into use their bakance transfer offer, and refused to cancel the deal and refund interest they illegally charged me ; i returned all the money to the credit card last week, expecting tgem give me answer on the charges they should not have made on me ; without such response I managed to pay all that charge last night, although I don't agree to it, suppose my balance should be zero with this payment.

But to more negative surprise, the payment was not reflected on the account ( but marked as complete in my checking account ), they went to withdraw another {$210.00} on already zero balance account.

What is thus bank doing to serve customer other than charge and charge? This fraudulent deal had caused my big hardship, decrease of my credit score, why they are allowed to take time again and again, and make unjustifiable charge on old people? also CFPB us doing to protect people against such damage?
Product: Money transfer, virtual currency, or money service

So today XX/XX/XXXX I was texting a sugar momma and she said she would send XXXX to me through XX/XX/XXXX she said that theyre was a clearance to pay almost XXXX I gave her the money through my XX/XX/XXXX chase account and she didnt give me the XXXX and took my XXXX. She first asked for XXXX and took XXXX. She went into my XX/XX/XXXX and removed my account completely she said I had to pay another XXXX for a voucher which I had no reason too and I begged for my money back she said she needs my ID to deposit money to me Which was unnecessary. She was saying that I shouldve gotten emails from XX/XX/XXXX when I checked theyre were FAKE emails. The XX/XX/XXXX email I gave the money to was XXXX. The email I got was forwarded to me from XXXX. The fake XXXX account username is XX/XX/XXXX XXXX.
Product: Credit card

I made a point credit to my credit card in the amount of XXXX and it should up the next day as a credit ( like a payment ) similar to when I return something it goes towards to the minimum payment. However they charged me XXXX $ due to no payment. Well I made a XXXX dollar payment from my rewards credit balance
Product: Credit card

I request to close my account beucase I never use the card. However, American Express did not let me know the annual fee is not refundable and close my account directly. 

The point is : I never used the card, and they charge me XXXX $ for the annual fee.
Product: Checking or savings account

On XX/XX/year> I attempted to transfer funds from my Fold app card while doing so I got hit with a fraud alert and my card was locked. I reached out to them via email, their customer service number doesnt get anyone on the phone. I told them to unlock my account, they said they would get back to me they never did. The reason for getting the fraud is something Ive also emailed them multiple times about fixing and theyve yet to do so.
Product: Checking or savings account

By court order on XX/XX/XXXX, US Bank was ordered to return an amount that they wrongfully ( electronically ) took from a customer 's savings account in the amount of {$6200.00}. US Bank claimed that they honored the court order by sending ( via mail ) a check in the amount of {$6200.00} to the customer at his home address in XXXX, but was never received. 

Upon demanding an explanation of why funds have not been received, we were finally able ( almost a year later ) on XX/XX/XXXX to obtain a copy of the cashed check from US Bank. Examining the copy received from US Bank we found the check was fraudulently endorsed and paid to the order of another person for cash at a XXXX in the state of Ohio. We explained to US Bank that the customer, who is XXXX years old, a XXXX XXXX XXXX Veteran and needs assistance walking, did not travel to Ohio and present the check for cash at a XXXX. To date, and after repeated request, US Bank has no restored the funds to the customer 's account.
Product: Debt collection

I moved in XXXXXXXX XXXX XXXX The company sent me move-out invoices in XXXX. I settled all other amounts except XXXX XXXX. In emailing with the leasing director I provide proof that the small hole they tarred up was there upon move-in and the leasing director confirmed it was also listed on my move-in report and they would remove the charge. They continued to invoice me for " XXXX XXXX '', then they sent it to their parent company and I restarted the process. Then they sent it to collections and I disputed it, now they have sent it to the credit reporting agencies. XXXX reviewed the evidence and removed it, XXXX did not and states I need to submit a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these  derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violatio
n.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Mortgage

In XX/XX/XXXX, I began refinancing my mortgage w/ US Bank XXXX I took all the paperwork to my local bank. They downloaded all the of the information that they required. I received a call from the Mortgage XXXX in XXXX. They needed the information. I advised that I had submitted all required paperwork. They stated they don't have it. I went back to the local bank. They stated that everything was indeed there. 
This back and forth went on for several weeks. In XX/XX/XXXX, I resubmitted more paperwork that was needed and sent it in an e-mail. Weeks go but and in XXXX I receive a call they don't have it. I stated that on XX/XX/XXXX I e-mailed it. He looked and stated to me that he found the e-mails and he didn't know how he overlooked them. He reports all is going well and they should be able to finish as they had everything they needed. They call again and can not find the paperwork. It was resent. Weeks again pass and we get another call on XX/XX/XXXX and they had just completed out work history. I stated why did it take so long to verify employment. He gave me a bunch of useless responses. On XXXX XXXX supplied them with the information they needed again. Get another call that they have no paperwork. I explained to him that I had turned it in that day and it was there. He found it. he said now they can close on the deal. Now it is XX/XX/XXXX and nothing. I go to the local US bank again. I'm told they dropped it and would need to resubmit from the beginning again. Now the interest rate went from 2.99 % to 4.69 %. I am more than frustrated. The party from US bank Mortgage in XXXX should be fired for being incompetent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 Credit Karma deposited {$2600.00} into my card. My federal refund was supposed to be {$2.00}, XXXX. After paying my fees from XXXX XXXX for filing, Credit Karma took out an additional {$210.00}. These fees were not discussed nor disclosed to me. My federal refund was supposed to be in the amount of {$2800.00}, instead {$2600.00} was deposited into my Credit Karma card. I did not authorize any other fees nor were any fees disclosed when I filed my taxes. I have been trying to get in contact with Credit Karma and XXXX XXXX. However, they are blaming each other for the money that was taken out of my federal refund. This is unacceptable and because of Covid, I was expecting all of my refund to pay my back pay of 3 months of mortgage payments. Please help! I would like my {$210.00} back on my card. That is my federal income tax refund. Please feel free to contact me by email and/or by phone at XXXX XXXX XXXX. I am not getting anywhere with Credit Karma or XXXXXXXX XXXX I am asking for your assistance. Credit Karma has also done this to numerous of clients who filed with XXXX XXXX. Please Help!
Product: Credit reporting or other personal consumer reports

On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I checked my credit report to see numerous unauthorized inquires.
Product: Credit reporting

There are XXXX overdue debs that have been transferred or assigned to an collection agencies Enhanced Recovery Corp XXXX and reported to XXXX and XXXX. As per information provided from credit report agencies accounts were opened at XXXX Florida USA and I NEVER live there nor have any address overthere. All my life and my credit experiences have been in XXXX XXXX. There must be a fraudulent request for credit on my behalf. Please correct that information which is affecting my credit scores and reports. Thanks
Product: Mortgage

Every few weeks I receive a call from my mortgage servicer, PennyMac, offering to refinance/restructure my existing loan. My current loan terms are {$510000.00} in remaining principal on a 30 year fixed mortgage at 3.5 %. I am 3.5 years into my mortgage and it was an FHA loan which means I am subject to PMI until I reach XXXX % LTV, which is supposed to occur in XXXX 2019. 
The promise on the sales call is always that I will be able to reduce my payments by starting a new loan. However, it naturally begs the question, " Why would the entity which holds a mortgage commitment *voluntarily* offer to make less on a loan commitment which I am legally obligated to? ". When I find out the specifics of the loan offer and run the numbers myself I always inevitably find out the same thing ; I would be paying MORE money by restructuring the loan. The main reason for this is that new FHA streamline loans, which are what 's being offered on these calls, call for PMI for the life of the loan rather than the old FHA loans which required PMI to XXXX % LTV like I currently have. Adding up the additional payments results in tens of thousands of dollars in additional money paid out over the life of the new loan, even though the term length of the loan is even shorter than the remaining length of my current loan and the offered interest rate is a quarter point less! 
My complaint stems around the fact that I am a relatively sophisticated consumer with a financial background. I am worried that the average consumer would never tumble onto the fact that they are being given a high pressure sales pitch that results in them paying vastly more for their mortgage even though their monthly payment is lower. This seems highly unethical to me and I would like for the CFPB to so some research into whether this is legal and, if so, whether it should be in the first place.
Product: Debt collection

Today I read an article ( XXXX ) describing how NFCU has been accused of misleading debt collection practices, to include threatening debtors with legal action when they had no intention of actually following through with a lawsuit. 

In my case, not only did NFCU send me numerous threats to sue me, but they did so AFTER I sent NFCU written notification to cease all collection communication, as per 15 U.S.C. 1692c. 

I have attached herein copies of all correspondences between NFCU and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner