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

Equifax has taken advantage of my trust they and all the other companies have use my trust and misused all my personal information not only have these companies lied on all reports but they have sold my information off to other companies without my consent THE BANKS AS WELL CFPBPlease investigate all these credit bureaus because they are stealing committing FRAUD and taking are personal information and making profit off of it that is extortionThese companies should be in trouble a lot of itI want compensation for all this illegal activity in my nameThey have cause so much poverty in my life I was basically redline in the UNITED STATES OF AMERICA by banks and credit bureaus : ( This is unacceptable and wrongIve never understood what and how these companies get away with lies and contract fraud..Extortion.A lot of illegal activity and how when they have all of our personal informationHow can these companies get away with this HOWI want Justice for all the discrimination and XXXX in the UNITED STATES OF AMERICAThis country is XXXX they call the XXXX XXXX XXXX XXXX XXXX XXXX ) so yeah thats my proof that all these companies I complain about is XXXX.What is going on in this worldPlease pay me back in full and CFPB can u please get PEOPLE in office that is not XXXX AGAINST XXXX PEOPLE to actually help us outIm tired of being treated like a XXXX and watched by XXXX being harressed lately too cfpbYeah this government is shady against XXXX AMERICANSplease do something please they must stop stealing and making profit off our informationI want compensation for the BREACH OF CONTRACT OF THIS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous personal loan charge off that was paid in full. However, I have no knowledge of such a personal loan. This personal loan dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over seven ( 7 ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a personal loan in the amount of {$1000.00} dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from a XXXX XXXX.
Product: Student loan

I would like to know if the temporary changes to the Public Loan Forgiveness Program mean than I now have enough payments to qualify for federal student loan forgiveness through the Public Service Loan Forgiveness program. My loans are serviced through FedLoan Servicing. 

Currently, I have 105 qualifying payments toward the 120 payments needed for loan forgiveness. However, a change to how forbearances are treated for PSLF forgiveness may mean that I *do* have enough qualifying payments. 

The Department of Education will be conducting a review of all accounts this fall. However, I would like to find out sooner if possible. The reason is that I'm not working, and I need to know whether I should be applying for a temporary job with a nonprofit or government agency ( if I need 15 more qualifying payments ), or if I do have enough qualifying payments and can look for other types of employment. 

On XX/XX/XXXX, the Department of Education announced they will be conducting a one-time account adjustment to count certain long-term forbearances toward PSLF loan forgiveness ( link to press release below ). The adjustments only apply to forbearances of *more* than 12 months consecutive, or 36 months cumulative.

According to my account on the Dept. of Education website, my student loan account was in forbearance starting XX/XX/XXXX, then entering into repayment on XX/XX/XXXX -- more than enough months to satisfy the 12-month minimum and the 15 remaining qualifying payments. 

However, there was a three-day period in the middle where it shows I was in repayment ( XX/XX/XXXX - XX/XX/XXXX ), though I did not make a payment. I would like to find out if the 3-day " repayment period '' will split the forbearance period into 2 forbearances, neither of which would meet the 12-month minimum mentioned above.

Could you find out from the Department of Education whether they will treat it as one long forbearances or two shorter forbearances?

A representative from FedLoan Servicing said that because the forbearance happened during only one month ( XX/XX/XXXX ), and because the forbearance was so short, she thought it would be treated as a single forbearance. Also, the press release said the adjustment " will count forbearances of more than 12 months consecutive '' - and going by the plain language, I was in a forbearance during more than 12 consecutive months. 

Thanks so much for your help, and let me know what more information you need from me. 

XXXX XXXX from Dept. of Education : https : //www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs
Product: Mortgage

to whom it may concern, i tried numerous times to solve this matter with them and have not been successful i was given a trial that started XX/XX/2022 i completed all the payments even did 5 payments total i never received my final docs i brought it up to them they told me to re apply i did not they are saying i do not qualify that my income then it was something else i just want to keep my house they keep playing with me ive done everything that they've asked me for. i did not ever get courtesy call they are in violation of my rights as home owner. They never called to make sure i received my final docs or anything. which i never did thats why i kept making my trial payments. all i want is to keep my house and make payments. Please help me i am at the verge of a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows XXXX hard inquiries that I did not authorize XX/XX/XXXXXXXX I have no knowledge of the collection accounts below nor did i authorize on my behalf. 
XX/XX/XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3600.00} Needs Attention below is a ftc report attached.
Product: Debt collection

I received a letter at the end of XX/XX/XXXX from a debt collection agency informing me that I owed {$1300.00} for infusion services provided by XXXX XXXX XXXX. For several years they had provided the infusion of my XXXX XXXX XXXX. The medication was provided by the manufacturer 's assistance program and medicare. I paid the remaining balance when billed monthly for the nurse/infusion. I stopped using them about a year ago and went to another provider. I never received any more bills or any indication that I owed other amounts until the collection agency sent me this bill. The noted services that I alledgedly owe for have different account numbers on each charge and there is no date of service listed. I attempted to call XXXX and talk to someone and they continually hung up on me and then told me they were transferring me to someone else. Finally after multiple phone calls they said they could not talk to me because it was in collections. As you will see on the attached letter from Credence, they offerred me the chance to settle this claim for {$1000.00} which I feel is attempted extortion. I replied with the attached letter and sent it by certified mail on XX/XX/XXXX. I feel that I do not owe this money and believe it is some sort of scam to scare me by threatening my XXXXedit score.
Product: Credit card or prepaid card

This is an ongoing continued complaint for a CLOSED Business due to the COVID 19 Shutdown that Capital One Continues to Ignore while still sending harrassing emails to pay the past due balance.

This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. I have raised this issue with Capital One since the pandemic forced my company out of Business in 2020. Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. The business is CLOSED. There is NO income. 

Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years?

This is a predatory act on the part of Capital One that needs to be resolved ASAP. Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand. 

This matter has also been referred to our XXXX FL District Congress woman, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, since it is clearly being handled without good faith and in a predatory manner as Capital continues to ruin my personal credit, post late fees and interest on a CLOSED COVID 19 Business. 

We also ask Capital One to please keep an orderly file off every complaint we have submitted to prove our responsibility and good faith in trying to rectify this situation while Capital One has acted in a shameful manner month to month from Day 1.
Product: Mortgage

My mortgage was transferred to Flagstar bank and there is no escrow. I never consented to an escrow because I pay taxes an insurance myself. I recently changed homeowners insurance in which the proof of insurance was sent multiple times to Flagstar. I kept receiving letters that I had not provided proof of insurance so I called the insurance division. They checked and said that they had my proof of insurance. I also received a letter ( enclosed ) that they had my insurance info. So why have they tacked on XXXX XXXXXXXX escrow to my loan payment? My taxes and insurance are paid. I tried to change the payment amount and it wouldn't let me. I can't afford a {$1000.00} house payment on my social security so it will not get paid. 

They are having service issues with phone and website so I can't contact them right away to straigten it out. Can't call on the phone and couldn't chat on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was notified by XXXX my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the four years of payment history was shown and my credit score was at the correct level. Now in XXXX, the four years of payment history no longer shows on my credit report with Experian. I spoke to XXXX  on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted Experian on XX/XX/2021 and was told they would investigate it. The personal Experian credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted XXXX to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why XXXX reported that to the Experian bureau. XXXX told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to Experian on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and XXXX needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past two weeks to get this issue resolved. This is the third consecutive year that XXXX has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing four years worth of payment history due to their negligence. I was told by Experian today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only XXXX can report the payment history and credit card status to be restored to Experian. Experian can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to request verification and detailed information regarding the transfer or sale of my account to a debt collector or collection agency. It is essential for me to understand the specifics of this transaction to ensure the accuracy and legitimacy of the debt being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post XXXX XXXX XXXX  and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted XXXX  and Transunion multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. Thank you.
Product: Debt collection

XXXX XXXX Account XXXX This item was removed from my credit report. However they did not remove off all 3 credit reports. They only removed from XXXX credit file.
Product: Debt collection

In 2018 I called Capital One to report fraud and they told me I would not be responsible for the account. 
I am currently trying to fix my credit but the collection agency that bought the debt that I apparently " don't owe '', is giving me a hard time. They won't provide the documents I'm asking for so this is why I'm writing a complaint. You have to provide those documents to me or send it over to the collection agency so they can send it over to me
Product: Credit reporting or other personal consumer reports

The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports. 
I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Debt collection

SOURCE RECEIVABLES MANAGEMENTcontinues to call me after they have failed to validate the Debt. Harrased me the first. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act XX/XX/XXXX. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them. These debt collectors have have been put at notice, I have recorded calls any call after XX/XX/XXXX will be charged as fallows XXXX per call and XXXX per min. I have more than 3 calls after that date.
Product: Checking or savings account

PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.
Product: Credit card or prepaid card

Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XX/XX/2019 and and maintained at least 70 days. So far still do not receive the bonus from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : XXXX  XXXX XXXX Account number XXXX -- XXXX XXXX account # XXXX and XXXX Account number XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have not used my credit card in a year since i received it. Come to find XXXX XXXX closed my XXXX XXXX account without notifying me i am very responsible with my credit. Now i have a closed account on my credit report as this will hurt my credit score as i am trying to buy a home. This is very unfair to me as a consumer. I have the right to use my credit wisely and use it when i want and if i do not want to at all for a year.I contacted XXXX XXXX and they responded well mam you can reapply again and add another inquiry plus a closed account real good for my credit. I would like this deleted from my credit reports i am getting no where with them. they are ruinig my credit and i did nothing but take an account out in 2016.They should not be allowed to do this. Thank you
Product: Credit card or prepaid card

On Friday XX/XX/XXXX th My credit card was used to purchase Items from XXXX XXXX XXXX XXXX XXXX for the amount of XXXX. Someone used my credit card to purchase some items from this store. I noticed and immediately contacted the Bank of America/Visa .
Product: Credit reporting or other personal consumer reports

I recently reviewed copy of credit report I have a fraudulent account from XXXX XXXX XXXX, wit a balance of {$560.00} was opened in XXXX of this year account # XXXX, not my account
Product: Student loan

I have sent in two applications one of which is attached for an income driven repayment plan and the lowest possible payment because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They continue to not provide me clear answers Nelnet continues to ask me for documentation for income when I don't have any income they continue to ask me questions that are answered on this application and then they continue to reject these applications for a variety of reasons none of which are ever clear. I have also requested in writing any payments made after XXXX of 2020 to be reimbursed to me and they have not reimbursed those payments. They tell me there is no form to fill out which there is they tell me there is no evidence that I have requested this when I keep requesting evidence that I'm requesting this money be returned and they continue to jerk me around. Enough is enough.