23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Some background : I graduated in XXXX XXXX and 6 months after, in XXXX XXXX, I was expected to start repaying my loans. In attached documents you will see the principal amount, interest rate, and monthly payment amount. The job market has been tough, so I have been working several part time jobs, XXXX XXXX to make ends meet and have been trying to find salaried work for about a year and half. No luck, so I plan to obtain a XXXX certificate and become a XXXX in the coming year to two years. 

Since I have been expected to start making monthly payments, I think I have been able to make a total of 4 or 5 payments. SoFi has worked with a little bit, they granted me two 3 month long Economic Hardship Forbearances and these have helped immensely. However, there is a limit to how many of these you can be granted throughout the lifetime of the loan. ( As a side note, none of the representatives I ever talked to informed me the there was a limit on the amount months you could be in Economic Hardship Forbearance. Luckily, I read this in the fine print randomly on their website. ) I have used 6 of the 12 months allotted for my loan lifetime and am weary of using the other 6 when the lifetime of the loan is so long. I ca n't guarantee that I wo n't be in a similar financial hardship in the next 20 years, so you can understand why I want to avoid burning through this forbearance allowance in the first year. 

For XXXX XXXX, I have been unable to make the monthly payment. I was doing fine until we hit the slow season at work ( XXXX XXXX during the holidays is hit or miss, for my job unfortunately it has turned out to be a huge miss ). So I called SoFi today  ( XXXX XXXX, XXXX ) to inquire about ways to lower my monthly payment. They forwarded me to XXXX, the company that works with them to process all payments. I spoke to XXXX who said my only options are to either 1 ) refinance or 2 ) apply for an economic hardship forbearance ( the  forbearance I described above ). I explained to him that neither of those options are reasonable because one, refinancing requires a hard inquiry on your credit ( which isnt worth doing when nothing drastic about my financial status has changed since the original financing of the loan ) and two, for the reasons mentioned above, I do n't want to use more months of the economic hardship forbearance. 

I then inquired about an income driven repayment plan to help adjust my payments to the income I 'm making. He reminded me these types of plans are only for federal loans, not private ones and basically said, sorry, youre out of luck. He told me to have a good evening and the phone call ended. This conversation unfortunately mirrored past conversations with SoFiXXXX where I left feeling hopeless and even more stressed out about the looming monthly bill.
Product: Debt collection

Received legal court complaint in mail, did not have to sign for it. I have no prior knowledge of Midland or accounts claimed in complaint. I have never been contacted by them by phone or by mail. I would have asked for validation at that point and possibly arbitration. Filed response with the court and have a court date set. I also sent a certified letter to Midland asking for debt validation, proof they own this debt and the rights to collect by lawsuit, and I asked for a copy of the original agreement to verify arbitration. I have not been contacted by them since in this matter. They took this matter straight to the local court instead of following proper protocols and regulations. Looking into retaining a law firm to file a class action lawsuit against Midland Credit due to their collection practices.
Product: Mortgage

False advertising from LendingTree. It is currently advertising 2.853 % APR which is misleading and fake.
Product: Credit reporting or other personal consumer reports

Once again I try to finance something and it gets denied because of a fraud alert experienced once again has put on my account. This the second time they have done this and I had spent hours on the phone trying to get this cleared up. This is ridiculous as the other reporting agency have not done the. Experience will not work with me on the phone and want me to submit my personal information via US mail, which is unsecure form of communication as well it shouldnt need to be done in the first place. They will not allow me to cancel my account with them and are continuing to charge me monthly for credit monitoring on an account I cant even access. I have tried several times both in writing and via the phone to get this resolved and my next step after this is going to be legal proceedings. They also are reporting incorrect information which I can not correct with our access to my account. They need to get this resolved as soon as possible or I will proceed with legal action.
Product: Student loan

I originally was planning to go to school full time I filled out all the financial aid information. I asked how much XXXX classes would be part time and was told that XXXX XXXX gave the advisor an estimate and the out of pocket cost would be {$1000.00}. I noticed an out of pocket balance of {$8000.00} on my account and was told it would be changed to {$0.00}. I was under the impression that was the cost of the classes that I took online. I had no idea I would have to owe over {$8000.00} in loans for XXXX online classes, if that was the case I would've withdraw from going to school in the first place as I can not afford to pay back this amount in loans. I feel like I was never explained how much this cost would be correctly. I don't understand if I'm asking for a cost of XXXX classes I'm under the impression that's how much that was needed to be paid which stated above {$1000.00}. Information that was provided to me was very misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 to present XXXX had been updated on credit report. I spoke to XXXX on XX/XX/XXXX where it was stated my account is no longer with there company. It has been closed and sold to a third party 3 years ago. The 3rd party was never updated on credit report. So whomever is stating there XXXX on my credit report trying to retrieve monetary is fraudulent charges and I want it removed. Due to no one ever stating my account in the past with XXXX was sold. Also the fact that XXXX no longer owns an account in my name looking for over {$300.00} dollars.
Product: Credit card or prepaid card

I received a Visa cash card in the mail on XXXX. I never requested this card. I do not use square or the cash app. The envelope it came in is addressed to me but the address is not correct. Top right corner of the card has $ XXXX which is unfamiliar to me and has my name on the back of the card. No contact info came with the card to call for customer assistance. XXXX company, unable to reach anyone via phone. Instructed to access app for assistance but I do not have an account nor wish to open one. Of course I am not activating this card but want to make sure my credit and identity is not compromised with this card.
Product: Credit card or prepaid card

In XXXX, I applied for a credit card with Capital One. I applied for the Quicksilver no fee card, but got approved for a fee card. I was not aware that the card I had been approved for was an annual fee until I got the card. I called Capital One and asked what happened ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  my daughter called on my behalf and I authorized her to speak on my behalf with the agent ). The agent on the phone explained I got approved for the fee card. I noted on the call that I would be interested in canceling the card because this is not what I originally applied for. However, I had a put a charge on the card, so wanted to wait to pay off the card and wanted to get reimbursed the annual fee ( or a portion of it depending on when I called to cancel ). I was not alerted that I had to do it within any specific timeframe over the phone. I called today on XX/XX/27 - to cancel the card ( just 3 months of membership ). I cancelled the card and asked if I would get reimbursed a portion of the annual fee- and was told no. The agent today said there was a 40 day window when the request had to be made to get reimbursed. I told the agent today, when I called earlier the agent did not mention the 40 day window. I dont expect to get a full annual fee back, but did expect to get reimbursed for the amount that I was not a member. It is also terrible that the company charges within the first month for the entire annual fee when you have not even begun to use the card. The agent on my first call - knowing that I wanted to cancel the card upon learning there was a fee should have stated that I would have to cancel by a certain time ( this important piece of information was not disclosed ), so I could have made an ideal decision for my situation.
Product: Credit card

I have filed this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX 
2. A personal credit card account opened at XXXX XXXX. 
3. A personal credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, XXXX and Transunion. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.
Product: Mortgage

I am an XXXX XXXX, where my job was affected by COVID-19. I am a veteran, and I could apply for forbearance on my home due to COVID-19. Once accepting the forbearance agreement, I was told that the payments could be placed at the end of my loan or continuation of the payment suspension. I was told you could not get the forbearance due to COID-19 unless your payments were current. I bought my account up to date before agreeing. The 1st letter I received advised me to move the payments to the back of my loan. On XX/XX/2020, I called Wells Fargo and spoke with a mortgage agent to see what my options were as I was getting ready to come out of the forbearance agreement on XX/XX/2020. The Wells Fargo rep advised me that the missed payments could be placed at the end of my loan. I called Wells Fargo again in XXXX as I could extend the forbearance agreement 3 more months and was told I could not move the payments to the end of my loan due to not being current as of XX/XX/2020. The VA changed this. When I asked when the VA made this change, they could not tell me and would have to locate the information and mail it to me. They advised me that due to the Wells Fargo rep providing incorrect information, they could not help me move my payments to the end of the loan. They could only reprimand the rep, and I would have to speak with another department to look at payment options. The VA told me to try to work it out with Wells Fargo. I was never advised when the option to place my owed payments at the end of the loan was no longer available.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my credit report that I do not recognize. They are as follows ; -XXXX/XXXX  XX/XX/2018 -XXXX  XXXX   XX/XX/2018 -XXXX  XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX -XXXX/XXXX  XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX  XXXX XX/XX/2018 -XXXX  XXXX   XX/XX/2018 -XXXX  XXXX  XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX   XX/XX/2018
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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. DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 1002 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 reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO  score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXXXXXX XXXX ) acount XXXX XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer.

And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.
Product: Debt collection

king of kash keeps calling my work and have been told our company does not accept these type of calls and I am going to lose my job because of it. constant harassment when told to stop calling place of employment. they said they could call whomever and tell them about the debt, calling at all hours and interrupting work. I have asked repeatedly to stop calling my place of employment and they continue
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with TransUnion. I let them know these accounts were not being reported accurately. According to the IRS when an account is charged-off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099 ( Cancellation of Debt ) from TransUnion in regards to the following charged-off account listed below. These accounts can no longer be reported to my credit report. Not only does this violate my rights for the FCRA, this is also tax fraud on TransUnions part. The accounts listed below need to be immediately removed from my credit report as they are reported inaccurately. 

I recently looked at an updated copy of my credit report and noticed several inaccuracies on the accounts I disputed. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking to be verified for accuracy : Account Name : XXXX XXXX Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX, Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; These accounts have inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

Also, these accounts were charged off on the listed dates above. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history according to the FCRA. This inaccurate information falsely manipulates the statute of limitations. Failure to investigate this account properly after I requested 2 times for it to be corrected and updated has violated my rights according to the FCRA. Therefore, I am demanding these accounts to be deleted from my credit report.
Product: Mortgage

Wells Fargo granted and approved Covid-19 related forbearance plan of missed payments to be placed as second mortgage. 
Now they are denying the option after what they told me was approved ( on a phone recording ). No reason other than process has changed. 
I received No communication, no letters, nor calls regarding any changes are requested information ... So I call to resume payments and discover they are denying assistance for which they verbally stated was already approved, documented on their computer as approved in a recorded phone call. 

I have made numerous calls and I am bewildered why an approved wells Fargo deferral of payments to a second mortgage is now being denied under a covid related Cares Act measure of relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX  XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  Original creditor XXXX XXXX XXXX BANK XXXX XXXX opened XX/XX/XXXX Balance {$1600.00}.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Paid Balance To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my XXXX report regarding an account with Bank of America. Below are the details related to the account in question : Bank Name : Bank of America Account XXXX : {$XXXX} ( Paid ) Account Closure Date : XX/XX/XXXX According to my records, the balance of {$XXXX} was fully paid, and the account was closed on XX/XX/XXXX. I believe this account should not be negatively impacting my XXXX report, as the balance has been cleared and all obligations fulfilled. Please investigate this matter, and I would appreciate if you could remove any negative reporting related to this closed account, as it inaccurately reflects my financial standing. Enclosed, you will find supporting documentation, including proof of payment and account closure confirmation. Thank you for your prompt attention to this matter. Please inform me of the outcome of your investigation at your earliest convenience.
Product: Payday loan, title loan, personal loan, or advance loan

This company is conducting illegal loans it charges over 400 % interest which is illegal in my state of South Dakota its a pay day loan under the pretense of an installment loan using XXXX XXXX  to conduct illegal business practices. It bankrupts the people who use its services and lies and is a predator loan company. This company is in violation of the rico act. It attempts to collect more than you owe and the interest rate is immoral. The federal government should step in and put a stop to this insane lending at interest rates that would bankrupt anyone. I am a citizen of the USA and not a citizen of a XXXX and revoke any consent I have given you and am under federal law and jurisdiction. This is illegal and should be stopped.