23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/21 I made 2 principal payments XXXX and XXXX in order to pay off the note. I was contacted by MR Cooper ( XXXX XXXX ) that I can not pay of the note this was and that the payment would be held against escrow ( which I do not have an escrow account with them ) She told me to do a web payoff request and wire transfer the monies to Mr. Cooper. I did this on XX/XX/21 in the amount of XXXX. I have screen shots of the web site and a copy of a letter of congratulations letter from Mr. Cooper dated XX/XX/21. after a couple weeks with no communication, I contacted Mr. Cooper to inquire as to the time for lien release via web site correspondence ( I have screen shots of this ) and they said about 60 days was required. I received 2 phone calls from XXXX XXXX from Mr. Cooper XXXX & XX/XX/21 voice messages claiming a stop payment of the payoff from XXXX XXXX XXXX. The money was sent via wire transfer and IS NOT STOPPABLE!!!! I have been in contact or attempted contact with many " coopers '' including multiple times with managers " XXXX '' and XXXX XXXX and several other employees including XXXX XXXX who had a payoff quote that was for XXXX that included more fees and interest on a note I had actually paid off, including a notation of an unapplied credit of XXXX. Mr. Cooper had sent me a check for XXXX dated XX/XX/21, which I was told by XXXX XXXX to cash. I attempted to do so on XX/XX/21 and Mr. Cooper had issued a stop payment! As of XX/XX/21, Mr. Cooper will not take any of my calls, will not answer e-mails and they will not give me contact information for the payment center in XXXX XXXX. It has been 6 weeks since I paid this loan off and we have received nothing but another payment do notice! I have spent many hours trying to rectify this situation but it seems that Mr. Cooper will not correct the accounting that I have requested for weeks and will not allow me to pay off my mortgage! I am seeking legal console next week as well as Mr. cooper seems content to ignore my pleas and continue to charge me fee and interest on a note I paid off 6 weeks ago. I am exasperated and I am in need of help from someone with the clout to make them at least fix THEIR XXXX and let me part ways with their sorry company! I am hoping there is an upload to come so I can give you copies of my corroborating correspondence. PLEASE HELP! XXXX XXXX XXXX
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$400.00} 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 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquiry on my credit report and I would like removed, along with being unverified.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Over 90 days ago I sent letters to XXXX, XXXX, Experian asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau XXXX XXXX, XXXX, Experian Subject : Dispute of Incorrect Reporting by a XXXX XXXX Dear XXXX, XXXX, Experian I am writing to dispute an item listed on my credit report, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). The creditor ( XXXX XXXX ) which filed for bankruptcy and is no longer an operational business, continues to report information on my credit report. This is unlawful and violates my rights as a consumer. 

Over the past several months, I have made numerous attempts to resolve this issue directly with your bureau. Despite these efforts, more than 30 days have passed without an adequate resolution. As you are aware, under Section 611 of the FCRA, you are required to investigate disputes within 30 days and remove or correct any unverifiable, inaccurate, or incomplete information. 

The information in question is as follows : : Conns Appliances Account # XXXX Date of Dispute : XXXX XXXX Nature of Dispute : Kept disputing that Creditor no longer in operation due to bankruptcy and can not verify data. 

Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

I request that you immediately remove the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue further action. These actions may include : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Contacting the Federal Trade Commission ( FTC ) regarding your failure to comply with federal laws.

3. Seeking legal counsel to address the harm caused by your negligence in maintaining accurate records. 

For your reference, I have included the following : Documentation indicating that XXXX Appliances is no longer operational due to bankruptcy. 
Will be implemented in this complaint I trust that you will handle this dispute promptly and comply with your legal obligations under the FCRA. Please confirm in writing the actions taken to resolve this matter and ensure the incorrect information is removed immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX XXXX. Exi fax. Please. The questions that was ask I answer then correctly .And my address has not change.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby invoke the doctrine of Estoppel by Silence, as established in the case of Engelhardt versus Gravens ( MO ) 281 SW 715, 719, to assert my rights. It has come to my attention that my personal information was utilized without my consent to incur a debt that, in reality, does not exist. As of XX/XX/2023, I have become aware of my involvement in a data breach with Equifax. I respectfully request the immediate removal of these erroneous items.
Product: Money transfer, virtual currency, or money service

Venmo immediately froze my account requesting identification. I submitted. Account STILL frozen a week later. I've called, emailed, and chatted to no avail. I WANT MY MONEY!
Product: Student loan

Nelnet is my federal student loan servicer. On XXXX XX/XX/XXXX, I returned to school full time graduate student status. The school sent proof of my full time status for deferment. Nelnet discriminates against me and refuses to place my loans on deferment until I finish school. 

I spent many hours on the phone with Nelnet and uploaded completed and signed deferment form from my school. After 5 months of asking and begging for them to help, my loans continue to be in repayment and not deferment. 

I applied for deferment and uploaded proof of student full time status with XXXX XXXX XXXX XXXX XXXX on the Nelnet website in my account. This is what Nelnet requested to process my application. Here are the dates when I submitted completed deferment applications and uploaded the required information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Address : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX {$900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$280.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX {$600.00} XXXX Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX {$770.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1100.00} Date Opened : XX/XX/XXXX Repossession XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX  XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX  XXXX  XXXX  XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}
Product: Student loan

On XX/XX/XXXX I was informed that I had XXXX PSLF qualifying payments and needed XXXX remaining payments to be finished with my PSLF process so that my loans could be forgiven. I had to start back up making payments on XX/XX/XXXX in the amount of {$350.00} and I did so as well as on XX/XX/XXXX. The amount was deducted electronically from my bank account and paid to the Department of Education. On XX/XX/XXXX, I received an automatic withdrawal notice for my payment due on XX/XX/XXXX. However, on XX/XX/XXXX I received a letter about an automatic withdrawal in the amount of {$190.00} due on the XXXX so I logged in to see what was going on for the amount to drop. On XX/XX/XXXX, I received a letter of Financial Activity for Loans. My original loans that I had been paying on were Loans XXXX and XXXX. The loans had been broken up and changed to loans XXXX, XXXX, and XXXX. They still totaled the same amount of money owed but now the payment count had been changed. It is now showing that I have XXXX qualifying payments with XXXX remaining payments to be made. I also received a delinquency notice that is still showing that I owe {$86.00} for loan XXXX but I paid {$150.00} on XX/XX/XXXX with XXXX of Mohela 's agents over the phone and it was deducted out of my bank account on XX/XX/XXXX. I have contacted them numerous times and they just keep saying this is a Department of Education problem and there is nothing they can do. So they deducted the {$350.00} out of my account just in XXXX different deductions so nothing should be owed. I am 2 years from retiring and XX/XX/XXXX should be my final payment. They informed me that I would have to continue to make these payments until all this was straightened out and I would receive a refund it needed 90 days after it was straightened out. This is unacceptable and I don't have {$350.00} to keep paying them until they decide to fix the mess they have made with my loans. I haven't been late and I haven't done anything other than what they have required. I don't know what else to do but I don't have the extra money to just keep making payments when XX/XX/XXXX, should be my XXXX qualifying payment. Please advise me as to what I need to do.
Product: Student loan

On XX/XX/year>, a payment of {$120000.00} was submitted to Edfinancial Services to pay off my federal student loans. The company, Edfinancial Services sent me a payment confirmation email for the amount mentioned above. 

After processing, the {$120000.00} was successfully processed from the bank and removed from the bank account ; verified on XX/XX/year>. However, Edfinancial Services only applied XXXX of the full payment and did not apply the payment to XXXX of my accounts which I had specifically selected to be paid off. 

On XX/XX/year>, I called Edfinancial Services at their customer service line ( XXXX ) XXXX, to ask about the missing {$23000.00} that I paid towards my federal student loan accounts. I was informed that they do in fact see that XXXX of my loans for a total of {$23000.00} had not yet been paid off despite the fact that I paid the full quantity of this specific account on XX/XX/year>. I was not given a clear explanation of why payment was not applied to this account. I attempted to get clarification on why this account had not been paid off. They said they would send my issue to their " audit team '' who would takeover my case. 

I then asked about how long I should expect until my issue is resolved since there is {$23000.00} no longer in the bank account and the interest rate of 6.540 % is significant on the loan account which already had a submitted payment on XX/XX/year>. I was informed by Edfinancial Services ' representative that I am still liable for the interests that accrues and he could not provide any timeline for how long the issue would take to resolve. He told me the audit team would take care of it. He said that he could not tell me that the issue would come sooner than later and that this is a busy season. 

Lastly, I asked for any kind of confirmation such as email regarding his proposed solution to my issue. However, no confirmation was provided since he explained that anyone I talked to in the future at Edfinancial Services would know about my case. 

I should not be liable for interest on an account that was paid for already with email payment confirmation, successful bank processing of the payement, and the fact that this issue originates from their end, not mine. It is also unreasonable that they can not provide a turnaround time for my case. Over {$23000.00} is a significant amount for my family and more needed to be done to address that as of this writing it is seemingly unaccounted for. 

I requested to make a complaint and the representative verbally agreed that he would submit one on my behalf.
Product: Student loan

I was talked into overbearing my student loans because of being laid off and now my student loan balance has doubled..and on top if that since XXXX changed to Navient my monthly payments have doubled ... i need to get a payment lower so that I can get back in track but not help is being offered but to forebear my loans again and at that rate I will never pay my loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I am attaching my credit report showing the discrepancies in the data reporting along with the dispute letters mailed which are dated and time stamped. Please send me everything you have on this account ensure accuracy or remove this account within 15 days : XXXX XXXX XXXXXXXX.
Product: Mortgage

XX/XX/XXXX Citimortgage suggested the HAMMP plan to reduce my mortgage. I applied and made EVERY SINGLE REDUCED PAYMENT on time to Citimortgage. Then XX/XX/XXXX CitiMortgage contacted me and said I did not qualify for the HAMMP plan. They said I did not make enough money. So they demanded all of the money that they had reduced my mortgage by immediately. Since I was unable to pay they foreclosed XX/XX/XXXX. They went back and adjusted my credit report to say that I was late for nearly a two ear period. This type of credit reporting is unfair. I made the payment they were requesting on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the removal of unauthorized accounts and inquiries from my credit report as I am a victim of a data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the blocking of fraudulent information from consumer credit files upon notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within XXXX days. Attached are the documents supporting my claim.
Product: Credit reporting or other personal consumer reports

rights. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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

My Navy Federal Reserve account charged me for overdraft fees for revenue I did have. I have been with this bank since XX/XX/year> and they closed my checking account XXXX XXXX.