23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom it may concern, My name is XXXX XXXX. On XX/XX/XXXX I was informed by your company, XXXX XXXX, employee name XXXX XXXX  and XXXX XXXX, I will be enrolled in the Public Service loan Forgiveness program and my loan will be forgiven after 120 payments. I was told my payments will be based on my income and the number of people I financially care for. Last month I was informed your company is fraud and your company is charging {$49.00} monthly fee when your company is not part of the Public Service Loan Forgiveness program. I spoke with Federal Student Aid Department last month on XX/XX/XXXX at XXXX XXXX. I was informed there is no record of me being in the Public Service loan Forgiveness program and have not received any documentation from your company. I called XXXX XXXX onXX/XX/XXXX at XXXX XXXX and spoke with XXXX. After explaining to him about how the company fraudulently enrolled me in a program and are charging me a {$49.00} fee he placed me on hold several times and spoke with his supervisor, XXXX. XXXX  told me he would look into the matter and call me back. As of XX/XX/XXXX I have not received a telephone call regarding this matter. I attempted to call XXXX but the numbers I have are disconnected. Today, I called Federal Student Aid again to confirm if I was enrolled before my lawyer gets involved in this matter. My loan was transferred to XXXX and was told XXXX is not a company who is enrolled in the Public Service Loan Forgiveness program. I contacted XXXX  and was told I am not enrolled in the Public Service Loan Forgiveness program and if I was enrolled in the program my loan would be transferred to the XXXX XXXX XXXX. I was informed by a XXXX employee this is not the first time this company lied and told people they are enrolled in the Public Service Loan Forgiveness program when they are not. I will be contacting Financial protection Bureau & Federal Trade Commerce to file a complaint, contacted State Attorney General, and contacted the XXXX XXXX XXXX to file a complaint if we can not resolve this in a timely manner. I am requesting for your company to stop processing my loan and to waive the remaining {$49.00} monthly fee I am being charged. I have placed a stop payment on the remaining {$49.00} due to this being an scam. If this matter is not resolved in a timely manner, I will have my lawyer contact your company and the case will resolved in Court. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a fraudulent inquiry by XXXX XXXX was made on my credit report. 
I did not initiate an application for credit with any of these companies. This is not a factual record of my credit history because I did not initiate it. This credit file inquiry is unauthorized and without a permissible purpose
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report.

Equifax : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX
Product: Student loan

I graduated in XX/XX/XXXX and consolidated my loans with XXXX XXXX. In XX/XX/XXXX I started working for The City of XXXX as a XXXX. In XX/XX/XXXX XXXX XXXX passed a loan forgiveness program for public servants such as Firefighters and Police officers. The program worked if you made 120 consecutive payments without missing one payment, in exchange for the increased risk I face daily at my job serving the public. Once this was passed I spoke with XXXX XXXX to make sure I was on the right track, which they assured me I was. Several years ago XXXX XXXX became Navient and sent me a letter that nothing would change on my end. It is now XX/XX/XXXX and I have not missed a single payment. My bank recently changed and I wanted to follow up with Navient to make sure my payments would not be interrupted, disqualifying my loan forgiveness. They notified me that I have the wrong " type '' of loan and that I would not be eligible. This is wrong and unacceptable. I am writing this to ask for your assistance.
Product: Mortgage

I am enrolled in XXXX and my application has been accepted. I am a widow living on social security with two mortgages that take most of my income per month. Now, I am fortunate that the Fund is considering payment on my two mortgages that are past due. 
I have had an active application and communication with XXXX since XXXX, XXXX, XXXX. XXXX  each of my lenders, Mr Cooper and XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX through the portal to validate and move forward with payment of these overdue mortgages. Neither lender is being cooperative to the Fund or to my many requests, via phone or messages that we have sent from that date. 
Both lenders have not verified the inquiries sent to them. I have personal notes of many phone calls to Mr Cooper from the past weeks I talked with XXXX  assistants, XXXX and XXXX, on many occasions and they confirmed that Mr. Cooper has not responded to the inquiry XX/XX/XXXX, XX/XX/XXXX. Also, I have spent hours talking to more than 6 different mortgage agents,XXXX, XX/XX/XXXX two times, XX/XX/XXXX, at Mr Cooper. They all indicate the inquiry was made to Mr. Cooper and it was verified according to their records. On the suggestion of XXXX, at XXXX, I sent a follow up email to XXXX on XX/XX/XXXX requesting information about their responses to XXXX  requests. And after all this time a stalemate of inaction continues and my Mr Cooper mortgage remains unpaid. 
XXXX contacted the XXXX in early XXXX. At the XXXX I have tried to reach a person XX/XX/XXXX. I was on the phone for 82 minutes never reaching the right department or a person who could talk to me. I was being redirected to different persons.who can tell me the status at XXXX of the inquiry and response. The final contact there was unavailable, left a message, never called me back. Called XX/XX/XXXX again at XXXX til XXXX when XXXX gave me the same person to contact from XX/XX/XXXX who still did not call me back. No one from XXXX has contacted me or XXXX to this point. 
XXXX has the funds, I am told by the assistants, to be disbursed but my lenders are uncooperative, unresponsive and unavailable to me and XXXX. I am asking the CFPB to intercede on my behalf and have my banks, who I have paid thousands of mortgage payments over the years, to due diligence when I, their client, has pertinent and timely requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on XXXX and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( MONTH, YEAR of charge off ). Since then the account has repeatedly been updated as charge off every month. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate his account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Experian : Name : XXXX XXXX XXXX XXXX : {$730.00} Account Number : XXXX Opened : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Student loan

Hello, I consolidated my Federal Stafford loans ( roughly $ 50k ) received from XXXX XXXX XXXX XXXX XXXX ( XXXX ) in late XX/XX/XXXX after graduating from XXXX XXXX at XXXX in XX/XX/XXXX. I have managed to pay down my student loan balance since XX/XX/XXXX on time each month and was also able to pay additional amounts to help reduce the outstanding balance subject to interest charges. Based on a recent financial event that has allowed me to completely pay off my remaining balance, I paid {$10000.00} to XXXX on XX/XX/XXXX ( XXXX is the servicer of my consolidated loans ). I did this by using the pay online function that displayed the 'payoff amount ' and simply entered that amount to pay off. 

After I did this, I remembered that XXXX offered 2 benefits when we were told about using the consolidation option for our subsidized and un-subsidized Stafford loans. One benefit was a 0.25 % interest rate reduction after a certain period of on time payments and I was given this benefit several years ago ( my interest rate went from 3.5 % to 3.25 % ). The other benefit was that the final {$590.00} of our loan balance would be forgiven if we continued to make our payments on time. It does not appear the XXXX website gave me the benefit of the {$590.00} forgiveness so I emailed XXXX about my questions regarding this forgiveness benefit. I was told ( emails back and forth with XXXX on XX/XX/XXXX ) that since I paid my entire loan balance off, that I am not eligible to receive this forgiveness option. 

I have a hard time understanding this since I 've been a good payer on my loans owned by XXXX and serviced by XXXX for over 10 years. I have also paid thousands of dollars in interest charges since XX/XX/XXXX on my amount borrowed, so I do n't believe that being able to receive the benefit of the {$590.00} forgiveness benefit is something that is such a terrible request even if I am able to pay off my loan early. If I had realized this, I would have simply paid the full amount due minus the {$590.00} so it would have been forgiven through whatever process they have set up. But because I did pay off my entire balance, XXXX is telling me that I 'm not eligible to receive the forgiveness benefit. 

I find this very unfair since I have been a faithful payer on my loans and am being penalized for paying off my entire balance. Also, why does n't the XXXX website allow for consumers to understand this forgiveness? {$590.00} is a lot of money and I do n't believe it 's asking too much to receive the benefit that XXXX has given others that qualify for it like I do. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) action against Navy Federal for charging illegal surprise overdraft fees, resulting in a {$95.00} XXXX settlement. I have also experienced issues related to overdraft fees, such as when funds were expected to be available but weren't, leading to unexpected charges. Additionally, I received a notice about returned items due to insufficient funds and was charged {$29.00} per returned item. I would like to understand how Navy Federal plans to address situations like mine in light of the CFPB 's recent decision, and what steps are being taken to ensure customers are not unfairly penalized moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX  XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Product: Debt collection

I have disputed a XXXX XXXX account and requested validation but only a statement which I can not used to validate. Please help assist with obtaining the initial signed contract and more details on the charges on this account so I can research this claim.
Product: Money transfer, virtual currency, or money service

I have been using them for XXXX  years. Now suddenly every payment is canceled. It's crucial to pay my power and Internet at my home in XXXX. I asked to speak with a supervisor. He had me email my ID and said he would get back to me and didn't. I tried everyday and called again on Friday and XXXX, whom I spoke to said she would look into it and call me back that day and she didn't. I'm attaching a copy of the cancelations and the transactions I've done in the past. Due to them not paying my boyfriend who car broke down in XXXX XXXX he had a XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX  I am trying to put a freeze on my credit report and have been trying to login to my Transunion account all day without success. I put in my user name and password and press enter. The next screen says they have sent a 6 digit authorization code to my email account but I never receive the code. I have tried several times and each time I get the same results ... no code! 

I tried calling them. The first time I did manage to get a person that I could barely understand. I think she told me that I should just keep trying. The next several calls I made to them resulted in my call being disconnected. 

I don't understand what is going on with Transunion but it really scares me to think these people could have a drastic effect my finances when they can't even provide a website that works and worse, they can't even manage a simple task like answering their phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Co-signed a auto loan for son with Midwest Acceptance the car was stolen in XX/XX/2015.  Insurance paid them off but they report it as a charge off when it wasnt. I contacted them to discuss this and they were rude and verbally mean.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian notified me of a 25 point decrease in my score. I reviewed my report on that day but their explicitly stated that there were no changes to my record or activity when I clicked to see the changes to my report. I asked their customer service on XXXX ( because the dispute center wasn't working ) but all they did was list possibilities that did not apply to me. They suggested that maybe I increased my balances or that I had a recent inquiry. When I told them that I had neither of those things happen, they told me that they couldn't tell me what happened because they were not a credit advisor. They also suggested that maybe the reason my score dropped without any changes in my history is because their categories of change have subcategories. 

If these subcategories are not listed on their site, I can not dispute them. They changed my score and I am not allowed to make sure that they got it right. They claim that I have the right to dispute but they haven't given me anything to dispute. Score changes are not allowed to be disputed. Only changes on record are allowed to be disputed. How could anyone know that they're being honest if I can't even see the mistakes to dispute them? 

Also, by the way, they claim that utilities are factored into your score if you opt into their XXXX  system. XXXX XXXX aXXXXd XXXX XXXX apparently isn't included. I could understand that if I lived in the middle of nowhere Wyoming but this is XXXX. Ever heard of XXXX or the XXXX? 

I don't recommend signing up for experian XXXX  as it could hurt your score without you having the ability to check if there are mistakes.
Product: Debt collection

Received a call from CKS Financial this morning at XXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX. 
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to. 
Thank you.
Product: Credit reporting or other personal consumer reports

I received a notice that there was a hard inquiry to my credit report by JPMCB. I have not applied for any type of credit card or loan through Chase bank. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??
Product: Money transfer, virtual currency, or money service

Mortgage company is withholding my insurance check
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

at this time, XXXX XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS NELNET has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can NELNET overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.NELNET has been sent by certified mail showing signature confirmation. In addition, XXXX continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. NELNET IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. Nelnet XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 


2. Name on file of alleged debtor. 



3.Alleged account number or numbers 4.Address on file for alleged debtor. 


5.Amount of alleged debt. 



6.Date ( this alleged debt became payable ). 

7.Date of original charge or delinquency. 



8.Was this debt assigned to a debt collector or purchased? 



9. Amount paid if debt was purchased. 



10. Commission for debt if collection efforts are successful. 

However they responded with the attachments below, and without nay factual validation or any contract ties to myself and nelnet. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. NELNET can not.