23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Care Act for FHA, application made on XX/XX/XXXX In XX/XX/XXXX, Maryland shut down due to the COVID-19 pandemic. I received a mortgage deferment ; I was not behind on the mortgage payment, just out of work due to the Maryland State shut down. The agreement was that after the deferment, I would make my payments starting on XX/XX/XXXX. In XXXX, I started making my payments, although I wasnt back at work full-time but part-time. I still made my payments as expected as agreed in XXXX XXXX around the same time, the cares act for borrowers with the FHA XXXX VA XXXX or USDA loans was offered. I made the application on XX/XX/XXXX, and the BOA representative told me that it was complete ; I didnt need to sign any papers. Then I did it again because another representative called me and said the application wasnt made, so I did it again with a representative, and once again, I was told the application was complete I qualified for it. No other paper needs to be signed. I've making my payments were excepted thought I was on the right track. I called BOA in XX/XX/XXXX to get my interest statement to get my paperwork in order, and thats when it was bought to my attention that I was behind on my loan. I was very confused because I did the application on XX/XX/XXXX. In XX/XX/XXXX, the BOA representative said that BOA mailed the paperwork to me on XX/XX/XXXX, and I did not sign it, so I miss my chance of qualifying for the cares relief act. Ive tried to talk to BOA a representative It didnt make any sense that I was among of the first group to complete the application following the cares act on XX/XX/XXXX ; why did I not get a chance to sign the papers if the paperwork was needed to sign in the beginning, and also Im confused if I made the application on XX/XX/XXXX why wasnt the paperwork mailed to me until XX/XX/XXXX uncertified. I am currently trying to work with Bank of America. BOA is trying to get me to refinance on their terms or start the short sale process. I need some assistance at this point because I wasnt behind on my mortgage before the pandemic. I started my payments and have been consistent since the deferment,. The cares act has been extended, and I still havent spoken to anyone to help me get this issue resolved. Im a single parent mother of a child with XXXX, and Im trying to do the right thing I wasnt behind on my mortgage before the pandemic, and Ive been consistently making payments after the deferment, please help me get back on track --
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to place a freeze on my personal consumer information but they have made it difficult for me to do so. I want this done because they furnish my personal information to 3rd parties without my consent. I also understand my rights under federal law.

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
Product: Credit card or prepaid card

I've been contacted falsely for the last 2 weeks and had my card deactivated because Citibank thinks the transactions are fraud. I've repeatedly told them they are not but they can't fix the issue. Please get me in touch with someone at the bank that can fix their awful fraud system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not help me during disputing FALSE information on my credit report. I am registered with XXXX XXXX XXXX XXXX, a credit counseling company for the last 3-4 years. I pay on time every month, yet on my credit report these 7 accounts show as closed / charged off / and no current pymts for last few years. I am being denied mortgage refinance and car loan because of these False lies. Can you help me!!! Experian has no working telephone number that lets you reach a live customer service rep. I don't think its fair they can put false info, avoid reporting I pay on time every month for last several year on my report ans show. One example of the 7 accounts is below so you can see all 7 are  the same with different accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account was in dispute-now resolved-reported by subscriber Charge-off Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$3100.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, the now defunct XXXX XXXX XXXX XXXX XXXX. 

I know your office is being bombarded with claims against my and many other schools who were a part of the landmark XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Indeed, I'm using a template provided by an organization trying to assist former students of these schools to help them file claims against Navient and others. 

I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX XXXX My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member and received both loan discharge and a refund of a portion of what I repaid. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. Unfortunately, I was not in default at the time of that lawsuit. Through the generosity of my spouse, family, and a small inheritance from a grandfather who passed, I was actually able to stay on top of my loan payments and eventually paid them off 13 years after graduating. Not in the field that I went to the school for, as those jobs we were made golden promises about did not exist. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

Given the vast history of Navient 's malfeasance and given the outcomes of XXXX XXXX  XXXX, I think it is only right that Navient, in addition to discharging outstanding loans from predatory lending, should follow suit of the Department of Education and give refunds to those students who made payments.
Product: Payday loan, title loan, personal loan, or advance loan

I checked my XXXX XXXX account and noticed that I was billed from a collection agency titled : Clark County Collection Services for the amount of {$1200.00} and the account was opened back in XX/XX/XXXX. Once I noticed this charge on my credit report I contacted the agency and made them aware that I was currently not employed and did not have any income to my name and could not borrow from a family member. The gentleman handling this was very unsensitive to my situation and his exact words was, " You can't just go borrowing money from companies and not pay them back, that's why we are involved now and if this debt isn't collected we will sue you and take possession of all your items and garnish your wages. '' Started working again and same gentleman called me and at that time I expressed to him I tested positive for XXXX  XXXX and could not go down to the court to make an appearance to discuss this debt. I than recovered and started working for XXXX XXXX XXXX XXXX and tried to set up a payment arrangement with the same guy and he told me, " There is no payment arrangement he can grant me at this point because they have exhausted all attempts to collect the debt from me and I was responsible for paying the full amount and that he sent documents to my employer XXXX XXXX XXXX and to XXXX in attempt to collect the debt to start garnishing my wages I believe. He than told me I needed to contact the court because I could make a payment on the account and it still doesn't halt any court fees etc. I contacted the court several times with no feedback in regard to me making a payment arrangement and me letting the court know I never received any court documentations in regard to this debt and I should be forgiven for all filings because documents still haven't became available as of XX/XX/XXXX. They aren't willing to work with during the time I lost my job, during the time I caught XXXX, and now they want to garnish a XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB BLOOM, XXXX, and DSNB MACYS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, please investigate this matter immediately!
Product: Debt collection

I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.
Product: Credit card

Discover continues to report to the credit agencies after I sent a written letter to Discover requesting to opt out of credit reporting. Discover has confirmed that they did in fact received the latter sent to them In XXXX but will continue to report to the credit agencies despite my written and several verbal request for them not to. they instructed me to send the letter again to the same place and address. I spoke with supervisor XXXX, and supervisor XXXX who's operator ID is XXXX. 
i was explicitly told by XXXX that i would not receive the opt out form, I would not receive the original terms and conditions. XXXX said instead they would send statements. I was also told I would not receive a copy of the prospectus report because thats not something they send out. this is beyond ridiculous. Discover is ignoring my rights as a consumer and proclaiming adverse actions against me willfully by reporting to XXXX party non affiliates. 
please see attached file for letter sent to discover before printing and signing.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation. 

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time. 

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction.

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention.

BTW Im in the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies XXXX and Experian, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
Product: Credit card or prepaid card

I received a 30-day late payment from Macy/CITI, I checked with XXXX XXXX and sure enough, there is a 30-day late on my XXXX account. I called Macy/CITI and started an investigation because they said I have a new account that I never knew about was started a month ago, they said to reach out to the FTC and the credit bureau
Product: Credit reporting, credit repair services, 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 name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX BANK # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACCOUNT XXXX : XXXX XXXX BANK # XXXX ACOUNT NAME XXXX XXXX  # XXXX ACCOUNT NAME : XXXX XXXX # XXXX ACCOUNT NAME : XXXX DEPT OF EDXXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX # XXXX has violated my rights. 

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 XXXX 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 card or prepaid card

Fraud Charge was made to my Citibank msatercard for 2nd time  in 2 years card number XXXX. 

Citibank staff is leaking my password to unknown people who are using my card fraudulently and using for unauthorized online transactions. 

XXXX usd declined online purchase on my card for merchant XXXX   XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX gave me a loan back in XXXX, my payments were $ XXXX, I started paying $ XXXX and about 6 months ago started paying $ XXXX. I have never missed a payment or was I late ( they take it directly from my checking account ). 

Today I tried to log into their website and XXXX said it was a questionable site and blocked it. When I called the company, they gave me the number of another company Launch Services who when their computer answered was a collection agency. 

Talking to the reprehensive ( XXXX - ID # XXXX ) he had me open the pages ignoring the warnings from XXXX. He had the last 4 of my account numbers and my payments correct along with the balance. He knew my login name but not my password. However the page he took me to was very suspecious. https : XXXX XXXX wanted to block it, I am concerned that I might have given this person information that will be adverse to my account. He said I was current in my payment and knew how much I paid a month. But because XXXX kept blocking the URL, I thought I should report the problem. My next payment is due to come out in 2 days, he said they took over in XXXX and all payments are current - than why is a collection agency calling me?
Product: Credit reporting or other personal consumer reports

I disputed a negative account on my trans union credit report XX/XX/2023 and have made multiple attempts to both credit karma and trans union directly over the past year to no avail. According to credit karma this dispute is till in progress\under investigation with an estimated completion date of XX/XX/2023 yet that date has long ago come and past with no updates. The dispute file number for this is XXXX and the remedy for this complaint is the immediate deletion of this account and all associated information related to it removed from my credit reports. The account holder is XXXX XXXX XXXX and is still reporting with a year long dispute in progress.
Product: Debt collection

I'll try to keep this brief and concise : My parents both passed away ( father passed in XXXX, mother passed in XXXX ) and defaulted on their mortgage to XXXX XXXX ( Formally XXXX XXXX  ). 

The mortgage debt was sent to a collection agency named Rushmore Loan Management Services LLC. Rushmore Loan Management sent a notice to the defaulted mortgage address on XX/XX/XXXX, providing an overview of debt repayment options, addressed to the Estate. There was no Executor of the Estate, due to my parents passing with far more liabilities than assets, there was no inheritance, no one wanted the house, we let the mortgage company take the house. I called Rushmore at ( XXXX ) XXXX to explain the situation. 

Eventually the house was cleaned out, and the bank took possession of it on XX/XX/XXXX. Shortly after this date, I received a 1099-MISC form from Rushmore, stating {$7000.00} in Box 3 for Other Income. I  personally never had a loan with Rushmore or XXXX XXXX, I've never had a mortgage in my name, ever. I have also not received any money, checks, or debt relief, since I've never had a mortgage. I've called Rushmore multiple times around XX/XX/XXXX to address this issue, and they verified that I did not have a file or an account being managed by this company. I was instructed to write a letter with accompanying documentation to : Notices of Error, Requests for Information and Complaints Rushmore Loan Management Services LLC XXXX. XXXX  XXXX XXXX, CA XXXX I sent them a letter stating the issue, a copy of the 1099-MIC, death certificates of both my parents, and a copy of the page they sent to the Estate. A few days later, I received a notice from Rushmore stating that " There is no written authorization on file from the borrower ( s ) authorizing Rushmore to discuss this loan with you. '' They have not acknowledged sending this 1099-MISC and have no intentions of remedying it. Their reply is correct -- I do not have authorization for the loan, it was my parent 's loan and not mine. There was absolutely no reason to send me this 1099-MISC. They are not even addressing the erroneous 1099-MISC document that they sent me. I will upload all of my documentation.
Product: Debt collection

Received a Collection Notice from : Credit Protection Association L.P . 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. 
I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service.
Product: Mortgage

On XX/XX/2020, I applied for a loan modification with Lakeview Loan Servicing subservicing by XXXX. I submitted all the documentation necessary to complete the modification. I called to follow up and they offered a repayment plan for 6 mo in the amount of XXXX, which was clearly not attainable, the agent on the phone said " I'm looking at your financial statement and I do not see how this was possible ''. He then sent the paperwork to the underwriter for a second review. Once again, I called to see the status, they state that I have been approved for a modification which consisted of a repayment plan of almost 1500 per month for the next 6 mo. My original mortgage payment is XXXX and I was having difficulty. I have attempted to reach out to them over and over. I truly feel this is a predatory process waiting for homes to become foreclosed. I'm actually at a loss, I know I meet the guidelines for a modification, they continue to push me aside. This company should be closely investigated before there are more victims than me.
Product: Debt collection

Provided tribal card to the hospital for governmental assistance this injury was due to an XXXX.