23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Complaint I filed was never addressed in XX/XX/XXXX. It shows complaint still open.

I can't pay my student loans. My Health is bad.

I nearly XXXX XXXX XXXX in XX/XX/XXXX due to XXXX ( XXXX ) and the XXXX is slowly taking over my life. With the XXXX of my father in XX/XX/XXXX, I do not feel I have anyone to talk too, no one to provide me the advice that I feel I need to try and move forward with my life and more specifically my financial life. The following is a list of difficulties that I have been facing over the past 2 + years : Student Loans of {$600000.00} o Public Loans {$240000.00} o Private Loans {$360000.00} Home Loan of {$250000.00} o My home is now in foreclosure My spouse has been out of work for 2 + years My father was XXXX  by a XXXX - XX/XX/XXXX o He had No Life Insurance & No Medical Insurance My mom needs my help My mom is XXXX My mom is losing her house - XX/XX/XXXX I almost XXXX from XXXX ( XXXX ) XX/XX/XXXX I had a XXXX  XX/XX/XXXX I have XXXX XXXX of XXXX  Bankruptcy cant help with either private or public student loans I feel as though I have lost control of my financial future. I have lost control of my life. I really can use your help on the issue of student loans. I sure hope that you have a chance to read this note. I need you more than ever. I pray for your continued success.

Sincerely, XXXX XXXX
Product: Student loan

Back in  XXXX  of this year i received a letter in the mail from discover student loans stating that no repayment is required until  XXXX  and  XXXX  in   XXXX  . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until   XXXX  . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about  twenty  minutes so that he can find a copy of the letter that was sent to me, after th e manager   XXXX  came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother  XXXX   XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until   XXXX  . I want the harassment to stop and they need honor according to the letter that they gave me.
Product: Debt collection

This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from National Credit Adjusters XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me National Credit Adjusters also seized phone calls. I now receive harassing emails from XXXX financial services XXXX XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by National Credit Adjusters to collect on their debts. National credit adjusters is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with National credit adjusters or XXXX financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.
Product: Debt collection

I have been an Ally Financial customer since XXXX of XXXX. I am paying over {$33000.00} for a car worth {$10000.00} but have made 30 consecutive payments out of 72, with 42 remaining. Due to the pandemic, I have requested a payment deferment. I received an email dated XX/XX/XXXX from XXXX  Executive Customer Services Ally Bank. The email simply stated more information and a resolution to come. I had heard or received nothing else by XX/XX/XXXX, so I called and spoke to XXXX. I was immediately accused of " hiding the car '' which I have never done in all my life. I was told that I could face repossession even if I am only a few days late on payment because I Owe so much. Told that " we all got together and decided that we were not going to help you '' and will now report to all credit agencies although you state this was a mistake. We don't care that there is a pandemic and 'for some reason when we report it drops a credit score by 47 points. I was told I had had too many deferments. And he was sending me a letter that day regarding what would be done. I received the paperwork via mail dated XX/XX/XXXX stating I was " supposed '' to have received but I have never seen it before.
Product: Credit card or prepaid card

The balance on my XX/XX/2019 credit card ( ending XXXX ) statement was {$20000.00}. XXXX of this was 0 APR balance transfer. The rest is {$640.00} for purchases and fees. 
I paid XXXX dollars for this statement. XXXX dollars ( more than what I paid ) is applied to the 0-APR. So my 0-APR balance decreased by XXXX dollars. The high APR part is increased from XXXX to XXXX.
Product: Debt collection

The problem over these lasts days me and my husband have been trying to do a settlement but it seems that they don't take it serious as they seem to take our personal financial problems as some kind of joke like for example when the supervisor asked my husband why did he wanted to help me with my debt and he responded because she's my wife the supervisor just did a quick mock laugh and obviously after telling the representative the situation that we are in and hearing him doing a quick mock laugh it just made us feel so bad and sad because we are going trough a hard time already and been treated like that by someone that is supposed to treat us with respect but instead get treated the way we got treated we just felt taken as a joke, Also I feel that the way and tone that they ask their questions is not very good as I could say and no other person should be treated like we where during that call, we've also made three calls before that one and one after that one that is a total of five calls that me and my husband have been trying to tell them to please remove me from the XX/XX/XXXX phone line and that I would like to speak to a domestic representative, I've made myself too clearly with them but for some reason they just say that they have done it and I feel that they they have just put a note on my file to speak in XXXX because when I called for the forth time we were told that they where not domestic and when my husband called last time to XXXX XXXX her direct number XXXX and asked her twice if she was a domestic representative she tried to cover herself saying that she was someone that could help me so my husband had to ask her like two or three times I don't remember how many to be honest and she said the same thing and them said that she was not domestic or as I remember can remember I've just been trying many times to get a settlement offer of {$450.00} to settle in full as a one time payment with someone serious that could really help us because I'm not sure if they're even saying the truth to me since I've caught them trying to lie to me and my husband or if the last deal is really the last because I know that they can go lower considering our situation and the fact that we feel not treated serious makes me feel unsecure to deal with Midland, also I don't know why I was put in the XXXX  line first of all, It may be because of my name but I want to make clear that I'm not soo good with XXXX.
Product: Bank account or service

US Bank charged me an overdraft fee of {$36.00} because I did n't have money to cover the monthly account fee of {$6.00}. My account was already negative by a few cents - {$.00} when the monthly fee was charged. Once the monthly fee was charged on the account, the balance was - {$7.00} and therefore us bank charged a fee of {$36.00}. It is not fair the bank is charging me overdraft fees because I did n't have the money to cover their monthly fees. And besides the {$36.00} for a charge of {$6.00} is outrageous. I would appreciate if you can help out US bank customers. This is not the first time they charge me a fee of {$36.00} for going negative for less than {$10.00}. Other banks at least have tiers that would not charge an fee that is 4 times the negative amount.
Product: Debt collection

XX/XX/2023 they called my XXXX  during the day, I called them afterwards XXXX times and reached a representative who was unhelpful. My mother was the one who informed me that they were calling in the first place called me again in the evening, which resulted in an unnecessary interruption on an important call.
Product: Credit reporting

I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureay to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.
Product: Mortgage

I AM REQUESTING ALLL DOCUMENTATION FROM Aldridge Pite LLP FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL
Product: Credit reporting or other personal consumer reports

Creditor : XXXX  XXXX XXXX ACCT # - XXXX Please be advised that Experian is in violation of multiple laws set forth by Congress in regards to the above account. 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that a person ( XXXX XXXX XXXXXXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME IS NOT REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account by Experian on my credit report inaccurate! 

By Definition, the IRS Clearly says a Cancelled debt or Charge-off as Income. 
Credit reports do not include certain other information, such as the person 's income, bank balances, employment history, medical history, criminal records, or marital status. 
The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX , whereas BANK OF AXXXX has clearly written off this debt with the IRS. Experian has been HEREBY PUT ON NOTICE that they are furnishing incorrect and inaccurate information on my credit report. 

As of today 's date, Experian is still actively reporting this fraudulent and erroneous information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information in my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies in my report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX account XXXX I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your agency, and I have identified [ specific account name or number ] as being inaccurately reported as a charge-off. 
Supporting Documentation : I have attached a copy of my credit reports from XXXX, XXXX and Equifax. 

The CFPB lawsuit against your company highlighted several systemic issues that align with my experience, including : Failure to forward consumer-submitted documentation to furnishers. 
Use of inaccurate or generic dispute codes, leading to miscommunication with furnishers. 
Reliance on inaccurate responses from furnishers without further investigation.

These practices raise serious concerns about the integrity of the dispute resolution process. I demand that you : 1. Conduct a reasonable reinvestigation of the disputed item, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. Forward all relevant information and my supporting documentation to the furnisher of the information, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ).

3. Provide me with clear, written notice of the reinvestigation results, including specific details of any changes made to my report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

Additionally, I request that you provide me with a corrected credit report once the errors have been resolved.

If you fail to address this dispute properly, I will escalate the matter to the CFPB and may explore further legal action.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX [ Ph # ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Wayfair store credit card through Commenity Bank. They do not offer auto payment like every other credit account that I have and as a result, I have accumulated several {$35.00} late chargers and it may affect my credit score. I have emailed them twice and they tell me not to worry, it won't be reported on my credit report but that it is my responsibility to ensure that I pay my bill on time and that they do not offer auto payment as an option. This is pure and a simple a manner for this company to prey upon their busiest of customers and extract additional revenue from them. Additionally, they only allow you to schedule up to 2 future payments at a time, forcing you to either remember or set reminders to come back and arrange for future payments at least every 60 days. I find this unacceptable and would expect that there has to be a law to prevent credit card companies from preying upon their customers in such a manner as it is 2020 and we live in the age of digital technology where everything is done online and can be set up to be done automatically. If there is not a law outlawing this practice, then there should be and I would respectfully ask who to contact to raise my concern and ask that a protective law be considered by legislation. This is particularly concerning because they are preying on some of their most vulnerable of customers during a global pandemic and record breaking unemployment.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Barclays XXXX XXXX  to request a downgrade of my Barclays Arrival Plus Mastercard to the banks no annual fee Barclays Arrival Card, noting that due to the Coronavirus I did not expect to be doing as much travel in the foreseeable future but would prefer to maintain my account with the bank, both to keep the rewards I had accumulated with the bank and to avoid the negative effect on my credit score that would come from closing a credit line. The bank representative informed me that the ability to downgrade to the Barclays Arrival Card required a special invitation and that they were unable to assist me with my request. I received the same response from the employee 's supervisor as well as another frontline employee when I called an additional time the next day. I do not understand why the bank is unable to assist me with this downgrade request, given that the option to downgrade a credit card product is something that is widely offered and available across U.S. financial institutions and typically does not require any special invitation. Even if Barclays bank treats this request in a manner out of step with the rest of the industry, Barclays refusal to consider what I believe is a reasonable request in this extraordinary time is incongruent with the bank 's public statements, where the bank has committed to working with consumers due to changes instigated by the Coronavirus. It also flies in the face of the bank 's pledge to U.S. lawmakers that it would offer additional help and flexibility to its clients during this pandemic.
Product: Student loan

Since beginning payments on my Navient federal student loan I have called the company multiple times to voice that I was struggling financially, with other debts, with employment, with mental health issues ( precipitated by the prior factors ). They usually swiftly urged me to put my loans in forbearance. I now, nearly 10 years later, owe more than what I borrowed.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax over XXXX times within the last 3 months relating to creditors being unable to access my Credit score. Equifax has yet to fix the problem, creditors are still unable to access my credit score. I also have requested over XXXX times for them to mail me my updated Credit Score/Beacon score & its been over 90 days without any resolution to my problem, which is holding me up from moving foward in my life!! I was in the process of purchasing a home & now that particular home is no longer available because of this ongoing issue with equifax. Just 90 days ago I had a beacon/credit score & all of a sudden no one has been able to access my information. This issue is causing extreme hardship along with them reporting inaccurate information on my credit file.
Product: Credit reporting or other personal consumer reports

There are ( 2 ) inaccurate charge-offs reporting on my credit report from this which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Debt collection

A few months ago i noticed a collection account on my credit reports from  LVNV Funding. I had nev er received any communication from this company and my attempts to send them debt verification letters yielded no results. I had attempted to contact them  in  XX/XX/XXXX  and then again in  XX/XX/XXXX  and got  no response. Every time I dispute this account with the  XXXX  credit bureaus it always comes back verified.