23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have a student loan with XXXX  thats now Mohela. Went to XXXX XXXXXXXX XXXX XXXX  and since then the school CLOSED. I also know that XXXX XXXX, the one-time student loan market leader, was permanently banned by its primary federal regulator, the Consumer Financial Protection Bureau ( CFPB ), from servicing any federal student loans and from buying additional federal student loan debt from other loan holders. 

What does this mean for my current loan? Do I keep paying them? Do I pay to Mohela? Need clarification and I would LOVE for this loan to be forgiven since the school did close and since XXXX got sued. They should pay me back for all the payments Ive made. I graduated hair school almost 20 years ago. This is an old loan. 

XXXX  account number is XXXX The interest is killing me. This loan will never be paid off.
Product: Payday loan, title loan, personal loan, or advance loan

I used a buy now pay later feature on XXXX website, a gun retailer, to purchase a firearm that is approximately XXXX dollars in value, TO DATE, I have paid in excess of XXXX dollars towards this purchase, which as show in the pictures I submitted was market to me as 0 % APR, theres even an item on the contract, the XXXX XXXX XXXXXXXX, that I neither received or bought in the first place. Not to mention the sneaky practice of passing my debt to a completely random 3rd party ( Monterey ) when my initial purchase was through XXXX. This is a very shady business thats already been sued for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I was in the process of a refinance with Freedom Mortgage and did not receive my Closing Disclosure within the required waiting period. Rather, received a back dated CD the day before I was supposed to sign my loan docs. The impound account, monthly payment and credits applied to my " no cost loan '' were all incorrect. I did not have enough time to get this resolved before my signing, so while signing loan docs, I made the handwritten corrections and initialed my docs. Also at the time of signing I receive a disclosure dated XXXX/XXXX/16 which I had never seen before, but no corrections were made to this XXXX either. ( This document is attached to the complaint ) I was advised to sign a disclosure that I had 3 days to review my CD, when I had n't. When I called to follow up and make sure the corrections were made to the file on their end, they advised me that they would just fund at the wrong amount, even though my docs contractually agreed to a different amount. After I finally spoke with someone who was able to make the corrections and void out the signing, I did not receive any follow up disclosures to review before my other signing was scheduled. Rather, again, a signing was scheduled before I had any CD to review. Again, terms of the loan were wrong when I would call in to check status of my CD. Loan amount was wrong and they were applying an escrow credit from my current loan to closing costs, which I repeatedly advised I DID NOT WANT. Rather than using money I had already paid to my money from my escrow account to credit this loan, I wanted a higher loan amount so I would have that escrow money available to pay my supplemental taxes when those were assessed by XXXX XXXX ( new construction home not yet assessed ). Long story shorter, the day before my signing I was again promised a revised XXXX but before I received anything I got a call from the processing manager advising the closing would not happen due to a subordination agreement that had not yet been received or even ordered. They had found out the information one week prior and had not brought it to my attention. I requested to cancel my loan on XXXX/XXXX/16 and that was never done. I received a phone call on XXXX/XXXX/16 requesting to reschedule my signing. My request was never submitted and my account remained open despite my very clear request to cancel all proceedings. 

Also, whenever I tried to contact my LO ( XXXX XXXX, XXXX ID XXXX ) I was never able to get in touch with him. I would get an automated response when I emailed and transferred to different departments with different customer service reps, none of which could answer my questions. .I was completely out of the loop and would have like to have a contact to assist in this process, which I thought the Loan Officer was supposed to do. Horrible customer service and completely out of compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.
Product: Credit card or prepaid card

Hello, I am trying to improve my credit score, and wanted to pay off my credit card balance. I attempted to get my debt reduced in exchange for paying it off in full. We came to an agreement about an amount. Several times during the phone call I said I was not comfortable accepting terms unless I received the offer in writing. Over the phone, they said they would report my account as settled rather than paid in full. 

After I got off the phone, I looked up settlements and saw that it would hurt my credit for 7 years, and I would be penalized on taxes, even though the forgiven debt was only about 25 % of what I owe. I still paid a large portion of what I owed ( over 50 % ), but found my account was restricted. I called and said I did not want a settlement, but want to pay it in full. That is what I was asking for in the first place. Yes, I wanted fees waived, but I want it to show paid in full on my credit report. 

Capital One is now saying too bad. Whether, I pay the full balance or not, they will report it as settled. This hardly seems right or legal. According to Fair Credit Act, I believe it is illegal for them to knowingly report false information. 

I want to pay the balance and I want them to remove reports of late payments and report the card as paid in full. That is all I want to do. 

I called several times. I spoke to a manager more than once, and they still claim there is nothing I can do. I am locked into the arrangement and that's it. I was pressured into taking the deal before researching or consulting with a financial advisor. I said I wanted to see it in writing and talk to someone first, and they said it would not still be on the table. This is not right. I had no idea how bad this would be for my credit. Why would I pay all this money just to have a bad credit score?! Especially when most of the debt was not forgiven ... 

Please help.
Product: Credit reporting or other personal consumer reports

My identity has been stolen you are herby on notice This notice is to inform you that you unlawfully reported fraudulent account that arose from identity theft that you did not verify as required by law on my consumer report. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 US 1681C-2- block of information resulting from identity theft. Except as otherwise provided in this section. a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft no later then 4 business days after the date of receipt by such agency. You Equifax have aided this fraud by not verifying these accounts below..You are in violation of these laws below.

Aggravated Identity Theft pursuant to 18 U.S.C 1028A 15 USC 1651B permissible purpose of consumer report.

15 USC 1681 Fair Credit Reporting Act Accuracy And Fairness of the credit reports
Product: Checking or savings account

PayPal I have XXXX accounts with PayPal, a personal account that has never been used for selling items and a business account that is used to both sell and buy items. 

On XXXX, PayPal; froze my personal account. 
1. I was not notified in any manner, by email, letter, or online message.

2. When I tried to access my account, I received a variety of messages online, on XXXX - in essence, I could not pay bills, buy items, close or open funding sources ( my " Wallet '' ) nor access the {$1000.00} in XXXX ( XXXX ) that I had purchased from PayPal. 
3. After calling PayPal, Chat online via their website, and using the PayPal messaging system on my account, I was able to find out : a. My account was frozen because I had somehow violated the AUP, Terms, and Conditions ( TOC ). 
b. But unless I subpoenaed PayPal no one would tell me what I had done wrong. 
c. My account was permanently frozen, I would get an email in 180 days or less that would let me know how I could retrieve my XXXX, delete my funding sources, and close the account. 
4. I called and messaged PayPal more than XXXX times in the interim and have just completed XXXX contact attempts since the XXXX period expired- with no change from PayPal and typically just getting form/canned responses. 
5. After my last call I received an email from PayPal telling me how to subpoena and/or file suit against them. 
6. And in the interim my XXXX has lost XXXX XXXX of its value- while I could not trade it. 
And I have had at least XXXX @ fraud attempts on this account via scammers. 

As a consequence of PayPal 's actions and inactions, I have been exposed to financial fraud, lost ~ {$400.00} ( on paper of value in my account ), had to find other means to pay my bills, had to deal with vendors who were not paid, chased down credits and delete auto payments to XXXX charities ( handle by PayPal in a different manner ). 

I would estimate my direct costs at {$500.00} and my indirect costs at XXXX hours with unknown damage to my reputation. 
Imagine how bizarre this is to not know why, not be able to mediate through arbitration, while at the same time I have a working business account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions
Product: Student loan

I have tried to get information about repayment plans for many years as I was tried of having this interest baring debt hanging over my head. I have spoken to countless representatives who when evaluated me for repayment plans didn't work out one that I could afford. although I thought they were basic on income. Each time I was given the alternative information and push towards utilizing a forbearance or a deferment which have just accumulated an enormous amount of debt that I will never afford to pay off in this life time. I have sent in income verification and follow all of the guidelines only to be given payments that I could not afford. 

I now owe 6 times the money I originally borrowed. I borrowed the money form XXXX XXXX who sold the loans to Navient. I feel like I was forced to take a forbearance and/or deferment because the interest would continue to accumulated and put more money on the books for the company. However, they have made it almost impossible for me to pay these loans off. Navient has not made if feasible for me to pay these loans off. They never worked with me to get me a payment that I could afford, thereby making it impossible for me to make payment toward the principal on the loans. Now I owe more in interest than I do in principal. The have failed to offer me affordable solution for repayment for over 20 years. 

I am in a desperate situation with no workable solutions at this point. The impact of having these loans on my credit report continues to triple me and have a great impact on my ability to secure credit. I have asked them to verify my debt from my original grantor and they continuously refer me to the information listed on my account in which I can't understand and it doesn't disclose the original amounts of my loans. If they had offered affordable repayment options, I would not be in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report per XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

placed an order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX recived a generaic phone from the company i purchased from and phone was also broken I contacted the merchant and was told to return the iteam which i did and never recived a refund for it. i filed a dispuite with key bank they never investaeted it just said their was nothing they could do by law. since when is what i want to know this is the banks job. I also orderd a sansung XXXX XXXX XXXX XXXX XXXX XXXX  that was delivered to me broken i returned the phone and was orovided shipping label and never hrard or got a response back from anyone. so i dispuited that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the credit card with XXXX XXXX Bank. 
Experian deleted, removed, this account showing Excellent payment history from my credit report to provide lenders, creditors positive information. 

Experian has removed this positive credit reporting account from my record and left all negative, derogatory accounts making me like a risky, worthless borrower, infact, the credit characteristic is damaged. 

I have called to obtain a logical response, however, Experian employees advice to call XXXX XXXX Bank to report the account to Experian, hang up on me, do not transfer to XXXX. I have called XXXX XXXX and have advised to call Experian. 
In addition, I have uploaded an Experian letterhead providing infirmation such as credit card account is paid in full with {$0.00} balance. If thia letter is needed then I will uploaded to CFPB but I have to look for it at my files or at XXXX XXXX Bank inbox. 
Experian says I filed a fraud dispute regarding XXXX XXXX Bank. I did not file anything with XXXX XXXX
Product: Credit card or prepaid card

I logged into my amex online account on XX/XX/XXXX and found out all my cards were cancelled and I found a voicemail in XX/XX/XXXX, someone from amex wanted to talk to me and I called back right away. 

Amex service team told me it was a business decision they closed my account and all my rewards points were gone when they closed my account. My concern is Amex didn't warn me anything and shut down my account without leaving me choice to redeem my rewards points. I have been with Amex for almost 8 years and spent tons of money using Amex since I am a small business owner. I spent a few XXXX a year on Amex and I saved over XXXX XXXX rewards points ( about $ XXXX cash value ) on my account. And all are gone, they just wouldn't allow me to redeem them so I lost so much money!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness. 

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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


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

Transunion is reporting an account that is a result of identity theft. It has previously been removed, but has returned with new delinquent dates. Ive never done any business with this company, and I would like to get this situation rectified as soon as possible. This is defamation of character and Im fully prepared to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry    XXXX   XXXX   XXXX     XXXX   Inquiry    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX   XXXX   Inquiry     XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my  credit score  to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CHRYSLERCAP Account Number : XXXX This is not mine.