23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the second complaint I have filed against XXXX. 

I am a full XXXX XXXX XXXX class member. As a full XXXX XXXX XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, XXXX has done nothing. In fact, XXXX has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my XXXX XXXX score dropped XXXX points Soley because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information XXXX is reporting causes me to appear as a liability. XXXX may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

Informative research- Inquiry from XX/XX/XXXX Equifax mortgage ser- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX- Inquiry from XXXX XX/XX/XXXX XXXX  - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Portfolio recovery associates harassing me ( XXXX XXXX on social security XXXX battling XXXX living alone ) for undisclosed debt that is time barred in tx ( very old ) banging on door late at night falsely claiming to be police suing me without notice and threatening to garnish tiny bank account causing me to XXXX of starvation. 
POLICE! U MUST open door! 
XXXX XXXX causes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Its A XXXX XXXX, often. HELP!
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/2019 I received a call from Loan Me trying to get in contact with me through my employer. The representative lied to my Human Resources manager and said they need to verify my employment in order to get transferred over to my line. Once I accepted the call the representative asked me to verify my full name address date of birth and last four digits of my social security number over the phone while I was at work and I am not allowed to take personal calls over the phone. She then started to harass me to pay my personal loan because they lowered the payment and when can I make the payment. I explained to her I am at work and can not speak to her about any loan matters but insisted on trying to collect payment. This company calls me over 20 times a day to speak to me regarding a loan I can not pay for due to financial emergencies Ive had to take care of and ultimately cant afford to pay this loan anymore. I called to speak to a manager to see if theres any other option to pay what I can afford but every time I call they hang up or the wait is over 30 minutes and I am at work. I think this business is unfair and they do not have a right to harass me and my place of employment over something I cant afford to pay for. I am seeking to either file bankruptcy in the near future because Im sick of being harassed by this company. Ive reached out to this company and they have a poor lack of communication. Now I received an email trying to harass me to garnish my wages when I clearly stated I can not afford this loan.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

on XXXX showing should be removed over removed will not be removed. showing opened it is closed only account is mine is XXXX and XXXX inquiry is not mine sent in XXXX police report and federal trade commission avidavitplease removed from credit report.
Product: Money transfer, virtual currency, or money service

I made a transfer through Western Union and filled out the information based on what I had from my provider. Western Union claims that they delivered the money within the estimated date. However, my provider says they never received it, and it has been more than 10 days now without any news about the money I sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in mid XXXX I attempted to make a purchase with my Bread Cashback XXXX XXXX issued by Cominity Bank. I inadvertently entered a wrong character and was immediately locked out of my card. The following day I called and was put thru to Fraud Department, the person was polite and informed me they would mail me forms to submit. I never received that mail, only an e-mail ( at the time I was on the phone with them ) to contact the fraud department. I received a secure message in my account on XX/XX/XXXX acknowledging my message to them with regard to my frozen card. On XX/XX/XXXX or XX/XX/XXXX I called again, this time I was politely instructed to send a copy of my drivers license ( front and back ) my social security card ( front and back ) and a utility bill or bank statement showing my name and address. I submitted my cable/phone/internet bill along with my D.L. and SS Card as requested via e-mail. I called them again this morning and kept getting an automated message telling me my account was closed goodbye. For the first time I was unable to speak with an actual person. VIA internet research I found a phone number for Fraud Department and called. I was informed that the bank closed my card because only gas, electric or water are considered utilities and I am free to reapply. I/we use well water so no water bill, electric is in my wifes name and we do not have a gas line. At no time was there any instruction of a utility bill and this is the first time I have ever been told that cable/phone/internet are not a utility. I did follow their instruction to reapply however I got denied for an existing account. I filed a complaint with the XXXX and am now seeking your assistance to resolve. Thank you
Product: Checking or savings account

I am owed a provisional credit while waiting for investigation I would appreciate that because that transaction should have fell off anyway my money shouldnt have been taken
Product: Checking or savings account

I closed my CD account at Marcus by Goldman Sachs. They issued me a check that never arrived. Tracking number provided was wrong, the USPS says that the mail under that number is made out to a different address. The bank refuses to give me my money back. They say it will take 90 days to reissue a check. I suspect fraud at the bank. I need my money urgently. What do I do? Who will reimburse me for the lost investment opportunity?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two capital one credit accounts that were opened fruadently under my name. Both accounts are now " closed '' on my report, since I've made my first complaint, but they still aren't removed from my report. I need them removed from my report immediately as they are negatively impacting my score.
Product: Payday loan, title loan, personal loan, or advance loan

I needed a loan for my small business. I XXXX  for information and their information came up as same day LOAN and I filled out the application. I recieved calls and emails saying to send last XXXX months of my business banking statements which I did. They called me saying I needed to provide them with my banking information in order for them to log in and assured me it was a normal protocol. They needed my company ID, login ID and password. I was confused because I had sent the statements over already. An hour later they called again and said I was approved for the {$50000.00} I had requested. They sent me LOAN documents and I signed them but did not understand it was a MCA and not loan. I was told that {$50000.00} would be deposited in my bank though they would need to subtract their fees which was the first weekly payment of {$2100.00} They were paid weekly on Tuesdays by ACH payment. I noted that several unusual transactions were coming out of my account weekly. It was Funding Matrix. When I was unable to stay up with payments I was immediately harassed, my family texted, my patients who have protected information were also texted and harassed. They threatened and I was at that time told by XXXX XXXX that it had to be in default in order for them to negotiate ( while also paying XXXX XXXX 's escrow for negotiating, I am no longer with them. They are coming after my patients and threats of liens. I do NOT know why they are able to operate but was told that because they are not a loan company they are free to destroy many businesses. I have been trying to stay afloat. I wish I had known about MCA and have paid well over the XXXX with XXXX % interest. I have XXXX weeks left and could be free of it but I have no money left. Is there any advice you could give me
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit direct deposit from my employer and any other incoming direct deposit. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying for the past year to work with this company to remove this inaccurate item off my credit. They removed one account which was acknowledged that both accounts were fraud. Ive sent all documents in to prove that these items were fraudulent. This company sent notice back in XX/XX/XXXX of last year stating that they were removing both accounts from my credit and theyve yet to do so. Ive been speaking with someone by the name of XXXX hes very nonchalant, unprofessional and uncaring about the whole situation. This is causing great stress and Ive been seeing my doctor more frequently because this is causing my XXXX XXXX to go up putting me in a state of mind that Ill never be able to move forward with my home buying process because this item is holding me back. Ive spoken to an Attorney ( XXXX XXXX ) about moving forward with filing an lawsuit where Ill be seeking damages, and pain and suffering. This is my 8th CFPB complaint against this company and Ill continue to file more until this issue gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine
Product: Mortgage

I purchased a home in XXXX with an FHA loan which contained a PMI payment of {$100.00}, my amortization document indicated that in XX/XX/XXXX I would reach XXXX XXXX ( 20 % equity ) where my PMI would drop off and beginning on XXXX XX/XX/XXXX my payment would reduce by the {$100.00}. However, throughout my loan I made bi-weekly payments so I reached the 20 % equity in XX/XX/XXXX instead of XXXX and I called to request that my PMI be removed and was told that I would have to pay {$500.00} for an appraisal if I wanted it removed or wait until XXXX and it would automatically drop off, I chose to wait. I called on XXXX XX/XX/XXXX to again request that the PMI be removed and was told that I needed to make the XXXX payment and it would be removed and reflected in my XXXX payment, I made the XXXX payment as requested. I called again on XXXX XXXX to confirm that my XXXX payment would reflect the reduction of the {$100.00} PMI and was told that I need to request that it be removed and that I would have to pay for an appraisal before it could be removed. I have been going around and around to have this removed and have done everything that has been requested and have never missed or been late on any payments.
Product: Student loan

American Education Services provided me with a health access loan in XX/XX/2007 for my first year of XXXX XXXX XXXX XXXX school ( I was ineligible for federal loans at the time because I had already completed a 4 year XXXX degree and the first year of XXXX   school was considered an XXXX year - This is another complaint I have and feel is unlawful. However, I will file separately for that complaint ). After graduation, I was hit with astronomical amount of monthly student loan debt payments from both my Federal loans and from my private loan from AES ; totaling upwards of $ 2500/month. I was unable to afford these payments and contacted AES multiple times asking for assistance in lowering my payments. I was told that there was nothing I could do about my payments because this was a private loan and not a federal loan. Because of this, I struggled for months to make payments and accrued many late fees. Finally after months of struggling and multiple calls to AES, I was able to lower my monthly payments by enrolling in a longer payoff term of 25 years. Since then, I have been making on time payments to AES until I went on XXXX   leave and was not getting paid. I asked for hardship or something to delay my payments for a few months. AES, again was not helpful and provided me no information or option on how to avoid late fees and credit reporting on monthly payments I was unable to make due to XXXX  leave. Since XXXX leave over 4 years ago now, I have made on time payments. However, the 2 months of missed payments from my XXXX leave still negatively affect my credit score in a significant way. Additionally, this loan was taken out as a joint loan with my mother as a cosigner. I was devastated by the fact that my moms credit would also be negatively affected. I contacted AES in hopes of relieving my mom from any financial responsibility and negative credit effects of this loan. I was told there was nothing I could do and this was after several years of on time payments after my late payments during XXXX leave. Finally, I am now ineligible for interest rate deductions due to late payments at the beginning of my repayment terms ( when I had multiple issues with obtaining help form AES ) even though I have made on time payments for 99 percent of my repayment tern thus far. My interest rate is variable and continues to rise. Over the last 6 years, I have paid {$21000.00} in interest and a mere XXXX on principle. I feel that AES with held information from me on how to attain lower monthly payments and steered me toward paying more than I had to on my loans, causing me to default my loan and making me ineligible for any interest rate deductions.. I also feel AES, withheld pertinent information of how to defer payments during a hardship, affecting my credit in a negative manner. Finally, I feel that AES withheld information on how to release a cosigner from responsibility of my loan, which has now affected my mothers credit in a negative way.
Product: Mortgage

Hi. 
My name is XXXX XXXX. My jointly owned property in XXXX XXXX, Maryland, for which I have Court ordered possession, is scheduled for auction sale on XX/XX/XXXX because my ex-husband, XXXX XXXX, has defaulted on the first mortgage. He also has defaulted on the second mortgage, a HELOC that was with XXXX  XXXX XXXX and was released by them to Specialized Loan Servicing ( SLS ) to collect the debt. 

In XXXX of XXXX, my ex-husband provided third party authorization for me to work with Specialized Loan Servicing on his HELOC. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX have foreclosed on the property. 

A judge permitted me to attempt to refinance the home and I now have an approval letter to do just that IF the two mortgages can be settled for the amount of my refinance loan - two loans combined into one loan. The HELOC was released by XXXX XXXX XXXXXXXX to SLS in XXXX and my ex-husband, XXXX XXXX, would pay but now he is three months behind. 

SLS keeps asking for a Mortgage Assistance Application to be filled out by my ex-husband, the loan holder for them to consider my settlement offer that I emailed to their XXXX email address on XX/XX/XXXX. XXXX refuses to fill the application out. Time is running out for me. Since the home is foreclosed on and set for an auction sale, SLS does not have the collateral of the home and is likely to not receive funds towards the almost {$65000.00} owed. 

I need a statement from SLS that they agree with my offer so that I can close on my refinance loan. I can never speak with a supervisor in spite of repeated requests for a call back. No one can state whether someone in XXXX has reviewed my settlement for consideration. No one calls me back. No one at SLS cares and everyone gives rote answers. SLS states that I must send a copy of a bank statement showing the funds in a bank account for the amount of the settlement as well. That simply is not possible since they will be paid by the refinance company who will not refinance unless they have statements from the mortgage company that they accept my settlement offer and will release the lien at close of the refinance loan upon receiving payment. 

There absolutely should be an accommodation for these situations of a contentious divorce with non-compliance and lack of cooperation of the loan holder on a jointly owned property.
Product: Student loan

I submitted a School Misconduct Discharge application for the private student loans taken out by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through Sallie Mae. I attended in XXXX. Due to deceptive recruiting practices and pressure tactics detailed in the application, I took on high interest loans to finance my education. XXXX XXXX settled a lawsuit over these very same predatory practices. I was unaware of the lawsuit at the time and was unable to seek any relief from settlement. Though, it is certainly evidence of the school 's misconduct. 
Due to the high interest rates and the handling of forebearance periods due to my inability to pay the loans, nearly 20 years after taking the loans out, I still owe nearly twice the amount of the original principle amount of $ XXXX. My current outstanding balance is $ XXXX. 
As further evidence of my claim, my federal loans were fully discharged for this school as part of XXXXXXXX XXXX XXXXXXXX. 
Additionally, I went back to school in XXXX to earn a XXXX XXXX, for which I had to take additional student loans to attend further adding to my debt burden. Fortunately, my XXXX XXXX has given me opportunities to increase my income level. And only in the last few years have I been able to begin paying back the private loans. But the damage has been done. I can not afford a house. I am severely behind on saving for retirement. 
On XX/XX/XXXX, I received a set of emails denying my application. I am seeking remediation in the appeal process for this discharge as my case should certainly meet what criteria Navient is using.