23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I was recently a victim of Identity Theft. My affirm card was used to make over XXXX XXXX dollars in purchases. I contacted affirm and they froze my account until there investigation is over. This was back in the first week of XXXX. They told me I wasnt gon na be able to make payments until the investigation is over and they werent going to hold me responsible to payments until investigation is over. Ive since XXXX contacted them over XXXX time to reactivate my account so I can make my payments. They told me wait for an email from them. Ive been waiting and Im still waiting. Now they are reporting it to my credit agency such as XXXX, XXXX, and XXXX that Im over 30 days late. I just wan na payoff what I owe from before the identity theft took place and get the lateness removed from my credit report ma.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX 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. Im doing this on my own behalf.
Product: Debt collection

XX/XX/2019 {$290.00} place the debt on m credit after I discharged balance on bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have had Wells Fargo reporting a credit card on my credit report under my name for years now I have been disputing and going through the process to get this removed for a year now and it still has not been fixed
Product: Mortgage

Hi, I had raised a request for refinance with TD bank in the month of XXXX with a 90 day window ending on XX/XX/XXXX. TD banks document itself had a closure date of mid XXXX. As of XX/XX/XXXX the bank has not closed the loan. There seems to be a issue with their underwriting process as they seem to get stuck there and the neither the loan processors and originators have any clue as to what is happening. I have followed up with the processor and also the escalation mechanisms available via TD and they have not been able to provide any ETA and not meet those that they committed to. I have provided all required documentation and details. This is adversely impacting any planning around finances that I am trying to do.
Product: Debt collection

Two weeks ago I had sent a letter  of VALIDATION to Atlantic Credit & Finance Incorporated . Prior to the letter of Validation, I sought out verification first and did n't receive any, instead today I received a letter with an old billing statement from the original creditor about the debt I owe. I know that I owed the Original creditor, but as  for Atlantic Credit & Finance Incorporated, I w anted VALIDATION that I owed the debt to them as in I wanted a signature of mine consenting to their company to collect this debt. I just only received VERIFICATION of said debt in the form of an old billing statement.
Product: Student loan

I have three loans. I made an additional prepayment amount on one loan for {$840.00} on XX/XX/year> and my autopay was scheduled for XX/XX/year>. On XX/XX/year> I logged into my account and was notified that the two loans I had not made an additional payment on were past due. Aidvantages website indicates that prepayments will not impact a future scheduled autopay. I am concerned that my autopay was not processed as promised, causing me to miss a payment. I am also concerned that I was not proactively contacted about my account status.
Product: Student loan

I have several federal loans through Navient, and I am aggressively paying off the highest interest rate loan(s) first on top of the auto-debit program.  Whenever I make additional payments to the loan (XXXX) with the highest interest rate, I always choose not to move back my payment for the auto-debit.  I noticed that once the auto-debit occurs, it will only subtract the interest for XXXX, and not put any money towards the principle.  The extra money from the auto debit is allocated among the other loans I have, which all have the same or smaller interest amounts.  I have contacted Navient 6 times in a month to have everything retro-actively billed correctly, and to have future auto debit payments be allocated correctly.  They assured me that it has been fixed and that the next auto payment will apply the payments correctly to each loan, regardless of any extra payments I made to XXXX.  When the next billing cycle passed, I noticed that it was still only auto-debiting the interest on XXXX, and not making a dent into the principle.  I had to talk to a supervisor at Navient and he said there was a software issue that they are trying to fix and that in the meantime, the only way to ensure each loan gets auto-debited correctly, is to bill all loans separately.  This is now going to cause a separate transaction each month on my checking account for each loan that I have.  This has been a frustrating experience with Navient to say the least.
Product: Debt collection

In XXXX a ticket was paid. The debt collector, Perdue Brandon Fielder Collins & Mott , LLP, has sent multiple letters. I have called multiple to state the ticket was paid and today, XX/XX/XXXX, I told the law firm I will take legal action against them if they did not stop sending spam as they proceeded to hung up when stated the action. This would be on the second occasion. The letter states I would have a warrant out for myself if I do not pay without no final day.
Product: Credit card or prepaid card

I sent a check number XXXX from my bank XXXX and XXXX XXXX XXXX XXXX. The check was never cashed by the credit card and I was never notified by the credit card that my payment was not recieved, by phone or email. I accidentally found out when I tried to get gas and my card was declined. I was not contacted by the credit card to be informed that my payment was not received. I called the company as soon as I found out and made a payment immediately. I requested, as a courtesy, to have the late fee and interest fee waived, because my account has been in good standing and I wanted to know why my card was declined. I was told that because the fee was waived back in XX/XX/2019, I am no longer eligible for a waived fee. When I asked to speak to a supervisor I was told that no supervisor was available to speak with me and that I can call back later if I wish. When I called in there was a pre-recorderd message talking how Comenity is " there to help if you face financial hardship due to COVID '', however, if Comenity is not able to help me with a late fee and interest fee adjustment, how could/should anyone trust that they would help them during COVID hardship.
Product: Checking or savings account

I received a series of emails ( spanning XX/XX/2023 and XX/XX/2023, which I discovered late at night on XX/XX/2023 ) about the opening of a new Bank of America XXXX Banking account and digital debit card in my name, but I did not open this account. The first email asked me to verify my email address, the second stating that the online application is in progress, the third that the application was approved, the fourth was a welcome to online banking, the fifth was to say that the digital debit card is here, the sixth to say that the digital debit card info was recently viewed, the seventh to confirm paperless settings, and the eighth and final email was to say that the digital debit card is ready to use in XXXX XXXX. There was no email confirming that the email address was verified, nor was there any unusual activity in my email account, so I believe that the person committing fraud does not have access to my email account. I forwarded several of the emails to abuse XXXX XXXX
Product: Debt collection

I have been actively speaking with people for over two years trying to resolve this issue I have Recently spoken with XXXX in the fraud department for XXXX because I have sent in FTC reports, as well as police reports proving these accounts are fraudulent and I have yet to get a fair resolution it has been well over 90 days since i have spoken with XXXX and all of these accounts have inaccurate information, its unverifiable, and they are also violating 15 U.S. code 1692g ( 4 ) validation of debt ; 15 U.S. code 1681 ( b ) they are violating plenty of my consumer rights. XXXX and XXXX have worked quickly to remove the accounts, only XXXX have not removed the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax to disbute creditor of XXXX XXXX and was advised that I could n't request for item to be distributed as it came back verified in XXXX and XX/XX/XXXX. Original creditor was included in XXXX bankruptcy as well as is outside of the statue of limitations for the State of Florida. Creditor previously had item placed on credit file in XXXX. Now, creditor has sold the debt to a collection agency of XXXX XXXX XXXX and it negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

Account is still inaccurate and unlawfully reported, Citibank and or XXXX  where the charge came from still hasn't given me paperwork with my signature, where I authorized a amount for {$2000.00} + dollars, my credit line was only XXXX that i set up, and i sent you Pictures of my passport showing i was out of country. I can't be at two places at the same time I disputed the transaction fraudulent while out country and Citi bank wrote the dispute wrong and the communication was horrible with them until i got back In the country.
Product: Credit reporting or other personal consumer reports

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim this is a fraud account XXXX XXXX XXXX charter {$840.00} this is not my account. please see attached id theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 In accordance with the Fair Credit Reporting act XXXX  Account # 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: Mortgage

My family has owned this home for 37 years. Me and my young daughter left our personal home to move in and take care of my sick dad the past 4 years. My father passed away in XX/XX/XXXX and I, his daughter, have taken over his home since then. My previous mortgage company was XXXX XXXX XXXX, a company of which I never had any problems with. In XX/XX/XXXX, I  received a letter stating my old mortgage company was being transferred to Fay Servicing LLC. From XXXX to present, I have made every payment on time. I purchased cashier checks and sent them priority mail with signature. I began receiving letters in the mail from both Fay Servicing and Fay Servicing , LLC saying that i was not paying the mortgage even though i have every piece of paper to prove it. I have contacted Fay Servicing countless times and have spoken to multiple people, all of which say they cant give me any info until i give them the proper paperwork stating i have the right to speak on behalf of my deceased father. My state attorney has sent all the necessary documents to Fay Servicing which they claim they havent gotten. Prior to my lawyer contacting them and sending out the paperwork, they claimed i was delinquent. My bank gave me statements proving that Fay Servicing received, stamped and accepted XXXX and XXXX payments. XXXX payment was paid and sent out but Fay Servicing returned the payment to me, along with a letter stating theyd no longer accept payments because my house was now in active pre foreclosure. XXXX payment was also paid and sent out but never received by anyone, another which theyre claiming i didnt pay yet. As advised by my attorney, I stopped making payments after XXXX in follow up with the letter they had sent me. Since then, Ive set up a savings account which I deposit my mortgage payments into as if I was paying it. Upon receiving this information, myself and my attorney tried to contact Fay once again. Every person Ive spoken to has told me they cant speak to me on my fathers behalf or give me any information until i submit the correct documents, which again, myself and my attorney already have more than once. Ive been told multiple times Id get a call back about the status of my account and I never hear anything from anyone. This is my childhood home which my dad wanted me to have and take care of after he left. Im doing everything i can to save this house since its all i have left from my parents. Regardless, Im doing what I should and Im paying my mortgage and this company is giving out false information thats putting my home at jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently completed my XXXX XXXX XXXX. While in school several things occurred. First, my federal unsubsidized loan was sold to Navient. Navient held this loan until the last semester before I graduated this fall in XX/XX/XXXX. I took off one semester ( Spring XXXX ) before I finished school. Navient immediately started billing me upon my separation without graduating for XX/XX/XXXX. Thinking that there should be some grace period and my spouse had been unemployed for a little over 2 years, I couldn't afford to pay them. I just held my breath and started paying them when he got a job in XXXX or XXXX of XXXX. I contacted them once and the representative totally ignored my grace period question and wanted me to set up a payment plan. As I explained, I don't need one since my husband is working. However, I am in no position to pay them thousands of dollars to bring this account current. Two concerns : If Navient considered my original separation from school grace 6 months, then why am I 90 days late once the grace period ends? Second question : I pay Navient one payment. Why are they reporting to the credit bureaus three different loans at 150 days late? They are purposefully doing everything in their power to do major damage to my credit. Last but not least, when I asked the US Dept of Education to review their reporting, they recognized the error and made it right. I am hoping and praying that someone can get Navient to do the same.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX XXXX  : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-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: Checking or savings account

Since circa XX/XX/2019, I have {$21000.00} in a ROTH IRA account that are essentially locked away from me. I can't access my funds, I can't allocate funds, and I can't withdraw or rollover funds. The issue seems to be technical in nature, but nobody involved can give me a satisfactory solution ( which would be access to my money ). 
I would like to have access to my funds in my ROTH IRA account, which is currently sitting as cash, so that I can allocate investments for my retirement planning. 

Contacts involved with my issue : XXXX, XXXX XXXX, XXXX
Product: Mortgage

The alleged Trustee is threatening us with foreclosure but has still not provided the requested information regarding the note. We sent him the following QWR : XXXX XXXX XXXX Supervising Attorney Aldridge | Pite, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Main Office : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Direct Fax : ( XXXX ) XXXX XXXX www.aldridgepite.com Dear XXXX XXXX : My Family is contacting you directly because you and/or your company XXXX are claiming to be the Trustee of the DOT without providing us any evidence and we are attempting to avoid filing a lawsuit.

As you know we doubt you may or may not have the original note, but that is not what is being disputed. 

XXXX XXXX  paid value for the debt and was never named to the Note, as of XX/XX/2022. 

Out of all of the Notes exhibited into the court records, the Note filed into the BK court had an incomplete stamping which is being called a blank indorsement in which that you are claiming possession of the Note. 

Any one can claim possession of the Note at this point, however, that does not mean that anyone has acquired rights of enforcement. 

In fact, the only statute in which one would acquire rights of enforcement is Cal. Com. Code 3203. 

The Payment Stream ( The Debt ) is owned by the Guaranteed XXXX Pass-Through Certificates XXXX XXXX XXXXXXXX XXXX XXXX, and no one has shown that they have paid the trust the full value to take the debt out of the trust. 
Until that happens, the debt still lies with that trust. 

Someone may show up with the Note, however that does not prove that they have paid the full value for the Note. 

Where is the sale and purchase agreement from XXXX XXXX to whom ever purchased the debt out of the trust? 

There is no evidence. As you are aware the CFPB and FBI is being copied on this email and that is why we are asking your to clear this up now.
Product: Payday loan, title loan, or personal loan

The congress approved XXXX XXXX dollars for small business. Upon calling Bank Of America on XX/XX/2020, I was told I was eligible for the P.P.A ( Payroll Protection Act Loan ) I followed up by talking to my local S.B.A., and they said I was eligible for this relief. 
I have been doing business with Bank Of America with my business checking account for over 15 years. I also do my payroll through the partnership Bank Of America has with XXXX XXXX XXXX. When I went to apply online, I was told that I was not eligible. When I called Bank Of America they said I wasn't eligible because I didn't have a loan with them. This is not the bill congress passed. This was not what the S.B.A. was told. 
Bank Of America is taking tax payer money and only dispersing the funds via the Payroll Protection Act to basically guarantee their loans. If this isn't illegal -- -- I don't know what is. I have not had to secure a loan, because my business has stayed fluid off of existing cash flow. Now myself, and three other people who work for me are out of work, and we are not getting the protection we were promised from congress. In my opinion the banks have no right to disperse the funds provided through congress just to people who owe them money.
Product: Vehicle loan or lease

I've recently discovered that someone has been using my personal information without my permission, so I'm now a victim of identity theft
Product: Credit card

I opened a Macy 's credit card account XX/XX/XXXX ( to receive the 25 % off ). I purchased less than {$20.00} worth of merchandise. By XX/XX/XXXX I realized I never received the Credit Card or a bill. I looked up the XXXX number on line and called. I spent an hour on the phone and was advised my bill was {$52.00}, of which {$38.00} were late charges. When I explained that I never received a card or the bill, the person confirmed that it was sent to the wrong address, cancelled out the card and advised me that she removed the late charges. I paid the actual charges that day on the phone -- meaning once the late charges were removed, my balance was XXXX. I then received a bill then next month stating they transferred my balance ( to a new card since they issued a new one since I did n't receive the 1st ). And I had another late charge. Now bringing my balance which should have been XXXX up to {$52.00}. I again spent 90 minutes on the phone in XXXX and was advised that all cahrges would be removed. Then to my dismay tonight ( XXXX/XXXX/15 ) I received a call stating my account was past due and I now owe XXXX ( of which I owe notheing because I have already paid the original charge of {$17.00} ). The operator each time spoke very broken English. This evening when I asked the operator if my other XXXX phone calls were noted, she said they were not. She would not allow me to speak to a manager. This whole experience seems fraudulent. I would n't be surprised if this company is doing this to others and I would like this looked in to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 Elan Financial services used a company called XXXX to collect debt from me which was owed. Total amount owed was {$1300.00}. I got 3 letters stating if I paid {$540.00} the account could be settled and closed. In XX/XX/XXXX I had called XXXX and they settled the account and told me it was closed and everything would be processed. For the last 3 months I saw my credit rating go down because Elan is stating that I still owe them {$810.00}. I have called multiple times and they state I either pay or the account will keep affecting my credit. I asked to request a manager over and over again and I can not reach one what so ever, and they can not help me. I am trying to settle this because this debt that I settled a year ago keeps coming back to haunt me and the company will not help me at all when I payed what was asked.