23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had signed up for paperless communication when my loans first came due back in XXXX. I went back to school, and when I left, my school e-mail, which I had on file with Fedloan Servicing go deactivated. When my loans came due again ( XXXX XXXX ), I was receiving communication through such e-mail, which was no longer working. So, I was never aware that they had come out of deferment and never received a letter in the mail when payments came due, even though they had my address on file. They reported all my accounts as delinquent to the credit bureaus. I take my obligations very seriously and always strive to keep a clean credit report. I never missed or was late on payments when my loan was first due ( from XXXX through XXXX XXXX ). Also, I continued making interest payments on my loans during times when my loans were in deferment, by setting up direct payment from my bank account. In addition, after I learned about this issue, I set up direct debit for my payments and made my first payment on XXXX XXXX, XXXX, to avoid any issues in the future. This is the only black mark I have on my report and has caused a huge decline on my credit standing, which is hurting me every day. I feel like their practice is very unfair and their communication very poor.
Product: Debt collection

Sent me a letter claiming I owe XXXX to XXXX XXXX XXXX. Does not include any other information in the letter besides name and address of debt collector. Letter recieved XX/XX/2023
Product: Student loan

I filed for PSLF and they are still charging me fees while the process is going through with the department of Education. 
I received a letter from Nelnet that my account would be transferred to XXXX. And yet they are still charging me fees on my account along with reporting wrong information about past payment history. Since XXXX took over the ownership of my accounts from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX Bank was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( XXXX bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from Studentiad.gov. I was trying to secure a loan for my XXXX  college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over 80 plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized entries on my credit report, suggesting potential identity theft as I did not authorize these accounts. I have previously brought this issue to your attention and now request immediate removal of these entries from my report. Their presence is causing significant stress as they inaccurately portray my credit history and financial responsibility. Addressing this challenge has been difficult. If not resolved promptly, I will pursue legal action to protect my rights and resolve this matter. These inaccuracies are a serious concern, impacting my ability to achieve important financial milestones like buying a home and supporting my family. I urge you to address this matter urgently.
Product: Debt collection

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

CREDENCE RESOURCE MANAGE Opened XXXX. XXXX, 2022 Balance {$260.00}
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and i have noticed fraudulent accounts on my credit report. Please remove these accounts. They are hurting my ability to secure credit.
Product: Checking or savings account

CITIBANK N. A Approximately XXXX XX/XX/2022 I opened a checking account with Citi Bank XXXX When I opened the account, I deposited a total of {$2600.00} into account. In mid-Late XXXX I attempted to login to my account, and it would not let me. I contacted your bank to unlock my account and was told that my account is being closed and I received a number to the fraud section. I then called the fraud section and told my account was closed and they could not give me a reason of why it was closed. I was informed that in 60 days the account should be closed, and my money would be mailed to my address on file. On XX/XX/XXXX I received a letter stating the same information with a phone number on the bottom. I called this number but received the same information that I had previously been told. 

I waited out the 60 days and contacted Citibank again the end of XXXX, this time they informed me the account had been closed and has a XXXX balance. I asked them if they knew when a check was sent, and they said it had not been sent and asked me to hold on so they can see what they can do. She then came back and told me she regrets to inform me that there is nothing more they can do. I was confused and said what do you mean, and she repeated the same answer. I told her that I should be getting the XXXX back and is there someone else I can call and was told once again there is nothing they could do, and they were going to let me go. 

So, my account is closed, and my money is missing and at no time was there actual fraud. I dont care about the account but really nee my money back XXXX XXXX Account Ending XXXX
Product: Mortgage

I Currently have gone through a divorce and have been in the process of having my Ex-wife ( CO-Borrower ) removed from my VA loan. ( Release of Lien ) I reached out to the VA and they informed me that they no longer have direct connection in the process of having to have a VA form XXXX filled out, and that the mortgage holder can complete a release of Liability for the co-owner completed directly with your mortgage company. Which for me is Truist Bank. I have been in contact with Truist since XXXX of this year. I reached back out to Truist on XX/XX/XXXX and informed them of the information that I received from the VA in the following quote " Hello, Thank you for your response. 
As of XXXX XXXX, all VA loan servicers/holders have been empowered to complete this process for you directly without VA review and processing. 
For further assistance, please submit these documents directly to your mortgage servicer/holder that you make your monthly payments to. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Veteran Affairs XXXX Regional Loan Center Email : XXXX '' Ever since that date ( XX/XX/XXXX ) I have yet to receive any further action from Truist. I have followed up with them multiple times and sent all required documentation to them for Quit claim deed signed by ex wife, detailed legal separation agreement. etc. Yet Truist has not yet fixed my mortgage or complete the ( ROL ) to have her legally separated from my VA loan. 

This issue has become a major concern as to my legal documents with the separation this action was supposed to have been completed soon after the divorce. Because of the inaction from Truist though they have managed to put me in a time-consuming bind. Truist is not fulfilling their requirements of my request and the sanctions of my VA loan as well as the direction of the VA to my understanding. 

I really need this completed and it feels almost as if Truist is attempting to force a refinance or something other than what is right. I have also been informed by one of the persons working at Truist that I am not the only veteran dealing with this same situation. 10 plus other veterans are in my same position and Truist is putting every single one of them on hold.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXXXXXX  XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a XXXX of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.
Product: Mortgage

I had loan modification done about 10 years ago with Ocwen/PHH. The loan modification which was supposed to account for the equity already built in from my previous lender was never accounted for in my new loan, and my daughter is just now bringing it to my attention. 

Ocwen/PHH instead is attempting to say that I still owe the entire original purchase principal, which will become due at the end of my mortgage as a balloon payment. 

I originally purchased the house for {$150000.00} in 1998, and yet to this day they say I still owe {$150000.00} dollars on my mortgage. My interest rate is at 3.5 % ... .and yet I was told that my mortgage payments over the past decade have been going to pay the home insurance they picked. Out of the {$1200.00} month payments I pay only {$75.00} go towards the mortgage .... 
This would have continued going unnoticed if my daughter had not flagged the fact that my mortgage balance on my credit report never changes and reflects that I have paid 0 % of the balance. Ive lived in and paid my mortgage for this home since 1998. I have never borrowed against my equity. This is fraudulent misconduct, and this company in no way shape or form is interested in fixing the problem unless they are forced to through legal action. 

I will have to find an attorney to help me with this. 

I would warn anyone to not take a mortgage with this company. All their customer support is based in XXXX, which adds to the feeling that this company has no interest in providing quality customer service. 

I highly recommend that this company be audited. 


Account info as reflected in their system : Current Equity : {$280000.00} Outstanding Balance ( not payoff amount ) {$150000.00} Principal Balance ( interest bearing ) {$35000.00} Deferred Balance ( non-interest bearing ) {$120000.00} Current Interest Rate 3.5000 % Stay away from this company at all costs.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file : the items I selected are listed in the report I am a big team to identify theft and I did not make the charge. I reported the theft of my identification to the federal tray commission and I also have enclosed copies of the federal tray, commission identification, theft and affidavit. Please delete this item as soon as possible.
Product: Debt collection

Zip ( Quadpay charged me for item not purchased, Ive repetitively contacted them past few months to cease and they still do not correct, cancelled now threatens to attach negative to my excellent credit file I paid it today to avoid negative info or collection activity, did not owe Extortion
Product: Debt collection

My father had a suntrust card he had been ill and disputed the XXXX XXXX dollar balance. my father XXXX  suddenly leaving no will and no estate just debt, suntrust hired a company called XXXX XXXX XXXX to collect the debt. The day after my fathers XXXX XXXX called up pretending to be XXXX the woman, XXXX  /XXXX scared me threatened to have me thrown out of my home I started to cry. I called back and said I would pay the debt but then I called the attorney general and they said I did not owe the debt, I had to send a portion of my fathers medical record to show how he could not owe the debt
Product: Checking or savings account

My account with chase was restricted due to filing claims even though the claims i have filed have all been accurate and they have actually stated that they saw i was wronged in the letters ive received they told me my account was closed and that id receive my check within 7 buisness days but I just received a letter in the mail saying they barely restricted my account and have been giving me the run around my account holds XXXX $ and I am at risk of losing my car due to their run around
Product: Credit reporting or other personal consumer reports

My student loan was paid off in XXXX with the Public Student Loan Forgiveness Program, just over {$39000.00}, which is over 40 % of my debt. XXXX states they report the status monthly and the credit reporting agencies have up to 90 days to make updates. It has been over 90 days since they were notified and they still show me owing that debt. I submitted the letters and balance information from XXXX and they processed the disputes but determined not to change any of my information. I gave them all supporting documents I have access to, and according to XXXX they have sent the documents to them but they are unwilling to remove the debt from my report. They still show the entire balance as active.
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened an account with Capital One on XX/XX/year> in the amount of {$500.00} an added me fraudulently as an authorized user. I called capital one once I noticed this information and told them that I never have authorized anyone to add me to any accounts nor add me as an authorized user. I then asked for the account holders information so that I could report this matter to the local authorities and I was denied information. I asked them to remove me from this account where my personal information was being used there response was no. I've disputed this matter with XXXX, XXXX and XXXX and this matter hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX of FL # XXXX, Account Name : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Everytime i come to  bank of america  on  XXXX  i have to wai t 30 min i nside when a particular teller is working. Someone needs to close this branch down. I have heard several people complain about this bank. None of those describe my issue ... thid teller is either accepting a money truck or its another customer  w an iss ue ...
Product: Checking or savings account

I transferred XXXX from Goldman Sachs USA to my external linked account on Sunday and it was processed on Monday and completed on Tuesday and I received an email stating this at XXXX XXXX. I checked  the external account and it never arrived as instructed or promised in my account. I want to report bank misconduct under cfpb and fdic laws. I want the money that was not disbursed as instructed.
Product: Debt collection

I'm seeking your assistance to address identity theft-related issues on my credit report. Despite reporting the problem to authorities and resolving it with other creditors, the XXXX XXXX account is still listed on your bureau, negatively impacting my credit score. I appreciate your help in investigating and removing this account, and I look forward to receiving written confirmation of the resolution. Thank you for your prompt attention to this matter.
Product: Debt collection

I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$1000.00} SPRINGOAKCAP Original Creditor : XXXX XXXX XXXX XXXX OF I XXXX Balance Owed : {$860.00} Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX