23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated in XXXX XXXX with an initial student loan balance of $ XXXX. In XXXX XXXX I started paying my loans back through my servicer, Navient, on an XXXX payment plan. I was not notified by Navient that through this IBR plan that XXXX of my payments only went to interest and XXXX to the principal, and was also not notified that the 'capitalized interest ' during this timeframe of over $ 12XXXX was added to the principal balance of my loan. In XXXX of XXXX I put my loans in forbearance through Navient 's online system and was not adequately notified that accrued interest during forbearance would be added to the principal balance of my loan ( The only way I found out about this was due to an article I saw regarding the CFPB 's investigation of Navient ). My current loan balance is over $ 174XXXX - how is it possible that I have my loan balance is now XXXX high than it was when I started?! I want to fight this. There is no way I will ever get these paid down. These are not repayment options, these are money making schemes.
Product: Mortgage

My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property.
Product: Debt collection

I REACHED OUT EVERY XXXX  DAYS TO THE FOLLOWING DEBT COLLECTOR FOR THEIR SUPPORTING DOCUMENTS TO PROVE THIS INDEED WAS A DEBT THAT BELONGED TO ME. NO COOPERATION. 
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX
Product: Checking or savings account

I had an open checking and savings account with PNC Bank, on XX/XX/2023 there was a fraudulent transfer made on my account for the amount of {$1300.00}. This caused my bank account to be overdrawn by over {$400.00} and also made my overdraft protection kick in and take {$850.00} out of my savings account. I opened a fraud dispute with PNC and after about a XXXX weeks of " investigating '' they told me the transaction was authorized because they found that the IP Address of the transfer was traced to XXXX miles from where I locked my card after finding out about this transfer. I had explained to PNC several times that I was not in my home state at the time of the transfer because I was on a work trip in South Carolina. They would have been able to tell all of this by looking at recent transactions and also seeing my card declining at XXXX XXXX. I then filed another dispute to have it escalated which when they would call me I would miss it by a few minutes and then immediately call back and leave a voicemail only to receive nothing back. Eventually I tried to reopen the dispute once again and they told me it could no longer be done because my account had been closed for some reason during an active fraud investigation. I have many screenshots of proof including clock in locations from my job on the dates on and around XX/XX/2023. They told me to open a report with my local police department, who told me they couldn't do anything, and to also see if I had a case of identity theft ( which I did not ). This was something that easily could have been investigated and fixed but they made it an extremely difficult process resulting in my losing money and somehow still owing them money. They refused to even look at any of the proof that I had and told
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Dynamic Legal Recovery sent me a letter for collection regarding a construction XXXXontractor I was in a dispute with who worked on my home. I responded with a certified mail written dispute and emails requesting proof of debt since my signature was on nothing. This was done within the 30 day timeframe. I explained via phone calls that this was false information being given to them from a XXXX convicted felon of fraud. I advised that the invoices were completly made up and the receipts provided were not all materials for my house. I had an attorney also send a letter on XX/XX/XXXX. This situation resulted in a XXXX XXXX year legal battle ultimately resulting in a court judgement against the XXXX for multiple offenses. Dynamic only removed their collection after I sent a copy of the judgement on XX/XX/XXXX showing it was an illegal debt. At no time whatsoever did Dynamic Legal Recovery respond to any requests for proof of debt or contact myself or my attorney regarding the matter. The monthly submission of this collection to the credit bureaus destroyed my perfect credit rating resulting in significant damage that has irreversible effects even after now being removed almost 3 years after.
Product: Debt collection

XXXX XXXX. has flagged my social security number for XXXX XXXX on XX/XX/XXXX. This caused my credit to take a hit. They have not tried to call me to notify me of this and I have called and emailed the company but my emails and phone calls haven't been returned to discuss this. I disputed the collection on experience also.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Navy Federal due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Navy federal failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a call from XXXX ( on XX/XX/2022, XXXX ) asking to verify my first name. I told them it " depends on the reason of the call '' because I did not want to be scammed or a victim of identity theft again. She identified her debt collections agency as D2 Management. Then the lady disclosed the last XXXX digits of a social security without verifying who I am first. I did not disclose to them verbally my first name nor my last name. This is a violation of privacy. I then told them I do not know the reason of the phone call or what debt is being collect and hung up on them. 

Later, I called the same number ( XXXX on XX/XX/2022, XXXX ) and requested the debt collection agency 's mailing address to submit a debt verification letter. The lady identified herself as XXXX ( Did not confirm the spelling of her name ) and refused to provide the mailing address of the agency until I gave her my personal information. This is a violation of the Fair Debt Collection Practices Act ; a debt collection must be able to provide a mailing address without personal information to allow consumers to submit a debt verification letter. XXXX told me I could tell her my personal information and have them send me the debt verification letter, however, that could be a lie and they do not need personal information to disclose to me their mailing address for their debt collections agency. She did tell me the website of their agency, d2management.com. However, the website could be fraudulent or even have the wrong mailing address on the web page for the agency. She continued to refuse my request for the mailing address and told me she " will let her clients know '' and hung up on me.
Product: Credit card

I purchased a shower door ( and other items ) from Home Depot via their store card. The door did not arrive at the store for pickup, employees looked for around half an hour and sent me home to call online customer service. I called customer service and they sent a new door directly to my address with the promise to refund the prior purchase. However, the purchase was never refunded. I disputed the charge and sent the invoices and customer service contacts I had. The card servicer said since I couldn't prove I didn't pick it up, the charge was valid and I should pay for merchandise I did not receive. They have since sent the account to collections, and it is damaging my credit
Product: Credit reporting or other personal consumer reports

apparently somebody opened a credit card account under my name on XX/XX/XXXX, and closed it on XX/XX/XXXX that account has a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  o f 2016 I   XXXX   XXXX  notified  XXXX ,  XXXX , and EQUIFAX they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , & EQUIFAX refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went online to request my free credit report from Equifax. Message reads unable to complete without any reason given and to mail in request. I mailed three different times each time getting a letter from Equifax statibng they need the same information. I want a copy of my free credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

In the early XXXX, I opened an American Express credit card for my brother-in-laws travel agency. The card was used for this travel agency and no personal purposes. It was on auto-payment from a checking account which was closed. My brother-in-law told me he closed the card over 10 years ago, so I havent thought anything about this account. When I went to co-sign for my cousins student loans in XXXX, I was informed that I owed American Express this money. I had no idea as I never received any letters in the mail or any type of notification whatsoever. If American Express was trying to send me letters, I did not receive any at my only mailing address. Since no letters were mailed to my mailing address, I had no way of knowing if I was trying to be contacted. Turns out that the account was never closed as it would have been impossible for my brother-in-law to close it as he wasnt the account holder, only I was. I had no idea that this was happening though. A letter was written to American Express explaining the situation and we are awaiting a response from them and have been back and forth with them since XXXX. I spoke to someone at American Express and was told that even though I didn't put any charges on the card, the membership fees were continuing to be assessed and can not be rescinded. The card wasn't even being used! The account was charged off in collections and has now hindered my borrowing ability. This is a situation that is out of my control. I should not be held accountable for this as the card was never in my possession and no charges were made, it was only membership fees being assessed. 

As an aside, if anyone were to go back and look at my credit report, all of my lines of credit that I've taken out in my XXXX  years of life have been paid on time. I would never let an account be late or go to collections. This situation is not only ruining my life, but the lives of those who I wish to help out. At XXXX  years of age, I don't even know if I'll be alive in 7 years to see this situation go off of my record. Thank you for your attention to this matter and I hope the CFPB can be of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 hard inquiries for an auto loan that is severely affecting my credit score. One inquiry on XX/XX/2018, five inquiries on XX/XX/2018 and one on XX/XX/18. 

I have filed a dispute with no solution. This is what is on the equifax website about shopping for auto loans : 'If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from 14 to 45 days. This allows you to check different lenders and find out the best loan terms for you. 
All new auto or mortgage loan or utility inquiries will show on your credit report ; however, only one of the inquiries within a specified window of time will impact your credit score. ' I need these 7 inquiries to only count as 1 inquiry as per Equifax guidelines. Please help resolve this issue!!
Product: Credit reporting or other personal consumer reports

There is to many closed accounts and one verified account along with two inquires that are showing up on my report. I am not aware of the accounts that was open but not authorized by me. I am requesting removal from my account please. Also provide me with an updated report via mail due to me not having a stable address because I'm In the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXX main account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX, after coming back from a XXXX, I realized I was missing some of my XX/XX/XXXX travel pay. When I discovered my XX/XX/XXXX travel pay was placed in a wrong NFCU account, due to a mistake in account numbers, that led me to discover my XXXX travel pay ( from a move from XXXX  to XXXX  XXXX was placed in the wrong account as well. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) and they sent a letter of indemnity on XXXX XX/XX/XXXX, regarding my XXXX XX/XX/XXXX payment and my XXXX XX/XX/XXXX payment. NFCU returned my XXXX XX/XX/XXXX payment. However, they did not return my XXXX XX/XX/XXXX payment, totaling {$2600.00}. The trace number for the aforementioned amount is # XXXX. In XXXX of XXXX, I reached out to the XXXX. XXXX Legal Assistance Office, they helped me get another XXXX letter of indemnity. Again, the {$2600.00} was denied. I filed an Inspector General ( IG ) complaint in XXXX and received another Legal Assistance Attorney in XXXX after the previous one XXXX. That attorney, XXXX XXXX XXXX, arranged a three-way phone call with NFCU and myself also on the line and XXXX XXXX facilitating. The representative at NFCU confirmed that they were able to see the mix up. The representative on the line confirmed the XXXX letters of indemnity and XXXX XXXX letter of indemnity. The representative gave XXXX XXXX a new fax address to send a letter of indemnity in her legal capacity. However, after she sent the XXXX XXXX Legal Assistance letter, on XXXX XX/XX/XXXX, on XXXX XX/XX/XXXX I called NFCU and they replied that they would not accept XXXX XXXX letter of indemnity, it had to be from XXXX. On XXXX XX/XX/XXXX, XXXX XXXX reached out to XXXX for a third and final letter of indemnity. XXXX only does two letters of indemnity, but they allowed an exception. However, this time NFCU came back saying there were insufficient funds and that the account had been closed. If youre reading this complaint and thinking, well she should have kept track of her money better. Rest assured, that I am beating myself up with that refrain already. But from a consumer standpoint, if NFCU told me where they saw the error, they have the trace number, and they saw that it went into the wrong accountit seems that the next step would be returning the money. Instead, NFCU has initiated bureaucratic roadblock after bureaucratic roadblock, saying I need another XXXX letter of indemnity when Ive already sent two on my behalf, telling my Legal Assistance attorney the wrong fax information, and conceding that they see the account transcription error when I call them. I feel like Im getting runaround. Through multiple XXXX and moves, I wrote the wrong account number down and only realized it in XXXX. I know {$2600.00} might be a drop in the bucket to NFCU, but its a lot of money to me.
Product: Debt collection

I want people to be wary of KCC Services LLC. 

I had a medical debt that went collection services unfortunately. I received my first couple of notices in the beginning of XXXX, but I received an official notice that it would be going to KCC in the beginning of XXXX. I immediately paid off the debt XX/XX/XXXX of XXXX. I did not want this to affect my credit and I was tired of fighting the insurance. 

XX/XX/XXXX rolls around and I get a call from an unknown number stating I had an unpaid debt. I informed them that I paid this off last year as I was purchasing a house and wanted all debts paid. The representative said I was wrong, stuck to their system, and said I would need to pay the debt. They were adamant I was wrong. The representative then sent me a piece of mail requesting the payment with the charge. The amount was exactly what I paid and luckily I found which bank account I paid it from. 

I called them XX/XX/XXXX and gave the representative the lowdown that I need them to check their system as I paid this last year. After hesitancy she check her system again and immediately found that the charge I had physical proof of was in fact paid and " lost in processing ''. 

KCC Services LLC. XXXX XXXX XXXX XXXX, PA XXXX. A company based around collecting hard-earned dollars can't even keep track of payments made. Thankfully I made the fuss about it because I know I was right, but how many people do you think are double charged? Triple charged? This is a company that needs to do better if they are the ones running around and sending debt collection notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : incorrect information dispute for XXXX Account XXXX Equifax has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that ROSSMAN & CO has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from ROSSMAN & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.