23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a Discover card for many years. It is not primary credit card, but used occasionally. On XX/XX/2024, I received a notice that my account had been closed. 

In calling the company to find out why, they claimed they had sent a physical letter about inactivity on the account in XXXX, which I did not receive. They did not attempt to contact me via email, phone, or the account center. Closing an account like this affects a consumer 's credit score ; doing this with such minimal effort on the part of the company, despite all of the effort they put into their marketing, is ridiculous. They should not be allowed to close an account by simply sending a physical letter that they can not verify the account holder received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX  Account XXXX : XXXX
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Checking or savings account

An account was opened in my name that was not authorized by me. Money was spent on the account for two months and a payment was not made which harmed my credit score roughly 90 points as a result. I am in the process of purchasing a home and this greatly impacts my ability to get a mortgage. I did not authorize this account to be opened nor did I spend the money. I need this to be resolved quickly so that I can continue with my home purchase.
Product: Student loan

Navient ( formerly Sallie Mae ) talked me into forbearance multiple times when I was struggling financially reather than helping me find a repayment option that would help my situation. When I could no longer forbear they talked me into interest only payments. They never mentioned that my loan balance would acty increase due to that. My payments on interest only are now {$700.00}. On one loan where my payment is {$380.00}, only {$25.00} goes to principal. They won't offer me anything else other than interest only payments and meanwhile my balance keeps increasing. I don't qualify for any external consolidation as I have applied multiple places. At this rate I will never pay off my loan and Navient is making a XXXX  off of me. They persuade customers to take out loans they cant afford them refuse to work with them to pay it back. They know customers are trapped and take advantage of it.
Product: Student loan

I have called Mohela regarding the balance on my account, which is was granted 100 % by the department of education. I received a letter stating that my student loaned will be adjusted and cover at 100 % due to the lawsuit with the court due to my student loans with the school that I attended XXXX university . Half of my loans have been adjusted and corrected but I still have a balance showing on my account which I have proof Mohela with the letter provided by the department of education and they continue to ignore and make corrections to my account. The balance of {$15000.00} plus is still showing on my credit report, which is causing a lot of issues with my credit score, etc. I dont know what else to do with the department of education and Mohela . Ive been dealing with this issue since 2004 after graduating from the university when false information was presented to me And forms where, signed or not authorized by me.
Product: Credit card or prepaid card

GOLDMAN SACHS BANK USA advertised the new APPLE CARD and I applied. 

I used the Apple Card for several months without incident. 

I used my govt. XXXX ( XXXX ) XXXX, govt. email address XXXX, and Apple ID to register and use the Apple Card. 

I then changed federal agencies for employment, and moved from XXXX  to XXXX, XX/XX/2019. 

My XXXX XXXX required me to return the XXXX. XXXX ( XXXX ) XXXX, and also closed my email account : XXXX. 

I went two months without a cell phone as a result due to my new XXXX XXXX not providing a cell phone as it had for the past 5 years. 

I discovered that the Apple Card and Apple ID does not work " without '' an XXXX. 

There is NO WEBSITE for the Apple Card in order to update contact info. 

I called Apple and Goldman Sachs and neither could retrieve my account. 

The account was registered with my govt. email and govt. cell and wanted to only send verficiations to these contacts. 

I no longer had access to these XXXX. accounts after departing this XXXX XXXX 

Without an XXXX, XXXX XXXX and Apple would not update my contact info EVEN BY CALLING THEIR CUSTOMER SERVICE CENTER. 

They only wanted to send emails and texts to my old govt. cell and old govt. email. 

I could not check my balance nor make a payment without calling Goldman Sachs.

This caused me serious life distress as a result not being able to track my finances or update my contact information by reasonable means.

I was told by a Goldman Sachs agent that approximately 100+ other persons like me are CURRENTLY experiencing similar distress as a result of the same Apple Card issue due to moving cities.

Goldman Sachs and Apple did not think through the effect on the consumer with the credit card account only working on a cell phone, e.g. without a website. 

The only solution Goldman Sachs could provide was to close my account in XX/XX/2019 now tainting my stellar credit bureau reports after only a few months with the card. 

The Goldman Sachs account is now closed with a balance of approx. {$2300.00}.
Product: Credit reporting or other personal consumer reports

I have never seen this account before. Says it was opened in 2022 but Ive never seen it before and its not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Debt collection

Debt paid last year and their representative XXXX threatened me with harm if I didnt give them more money.
Product: Mortgage

I received letter from Carrington mortgage I was denied. They said I was not unemployed and I was. I can prove my unemployment. If they would had allowed me make payment month XXXX I would not owe XXXX been paying some kind payment. On previous case said I made XXXX a month that incorrect. I make XXXX hour plus over time. I know sent Carrington a bank I sent in had unemployment funds on it.
Product: Money transfer, virtual currency, or money service

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place at the beginning of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! I would also like to point out that on the XX/XX/XXXXXX/XX/XXXX - I filed a dispute with COINBASE.
Product: Mortgage

CFPB Complaint Division, On XX/XX/XXXX, I contacted Shellpoint Mortgage Servicing to alert them of life circumstances that I was contending with and I was seeking their support to secure a loan modification. 

XXXX XXXX, Shellpoint XXXX was assigned and did nothing to assist me other than advising me that my modification had been denied and that I needed to make my payments???? 

Throughout XXXX, or more specifically, XX/XX/XXXX, my Family had several XXXX XXXX deaths, which has significantly affected my financial position and has createda financial strain which I am bouncing back from... 

I was being proactive by reaching out to XXXX as per their instructions only to discover what tangible options were available for me to consider.. 

My primary directive of this email communication was to see what available mortgage loan options ( i.e. loan modification ) that exist, to assist me manage my debt. 

I want to reiterate that I have never been tardy on any outstanding liability, let alone my mortgage. 

I advised Shellpoint that I was trying to organize my finances after taking on unplanned debt, or more specifically my Brother 's hospital/medical/sustained assistance due to several limb amputations, and no health insurance, for the multiplehis surgeries. 

Some type of mortgage payment deferral or pause for XXXX and XXXX would have allowed me to get back on track, but was told by my Shellpoint XXXX, XXXX XXXX that there was nothing they could do given I was not delinquent and to reach back out to them when I was??? I did. 

At their direction, I completed the loan modification paperwork XXXX ( XXXX ) times and provide a list of normal monthly household expenses with supportingdocuments for the following : Utilities - {$700.00}, Revolving - {$800.00}, Installment- {$970.00}, and household - {$350.00}, XXXX landline telephone - {$130.00} Internet ( for working remotely ) - {$89.00} Cellular phone - {$91.00} Medical prescriptions - {$200.00} Doctor office co-pays - {$90.00} Gas - {$80.00} and Auto Insurance- {$75.00}. 

I remind you I started this process XX/XX/XXXX, I am still trying to complete this and Shellpoint Mortgage has been non responsive. 

I intend to bring my mortgage current XX/XX/XXXX using XXXX loan proceeds, but Shellpoint is unaware given they have stopped trying to communicate? 

Much appreciation for your assistance in this horrible experience. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a car from a used car dealership VIN # XXXX XXXX XXXX XXXX in XXXX NY on XX/XX/19. I paid {$7000.00} cash, {$3200.00} trade in and financed {$25000.00} through state farm bank. 
I reviewed all state farm bank paperwork for the financing. In XX/XX/2019 I received the car title in the mail shows " two liens listed '' State Farm Bank and XXXX  XXXX XXXX. I contacted the dealership several times and was told to check with the DMV for them to update. I contacted the other lien holder on the title and was told they can not release any information. I contacted state farm and they asked me to send in the title and then it was returned back to me. 
All my loan documents show that state farm must be listed as the sole lien holder on the title. I'm not sure how this happened and what to do to get this resolved. I have tried XXXX, district attorney, the dealership, etc. I need my title to show state farm bank is the only lien holder.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXXXXXX  Unauthorized Inquiries : XXXXXXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have a collection on my credit the original debt coming from att uverse though I have never had there service. the current company has told me the verified the debt but that is impossible ( I C system inc )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Mortgage

This statement is a follow-up to CFPB Case Number : XXXX. PennyMac Loan Services , LLC is committing fraud by not reporting or writing my direct advanced payments in the Annual Escrow Account Disclosure Statement ( Dated XXXX/XXXX/XXXX ) provided to me by PennyMac. I have neither missed nor late in payments on my VA Loan mortgage since I bought my home XX/XX/XXXX ( Currently paid {$1700.00} mortgage for the month DUE of XX/XX/XXXX last XX/XX/XXXX. These payments were accepted by PennyMac directly from my bank and from the County of XXXX XXXX Treasurer-Tax Collector XX/XX/XXXX-XX/XX/XXXX ; these payments are : {$1200.00} on XX/XX/XXXX from my bank ; {$1900.00} XXXX Installment Transaction Date XXXX/XXXX/XXXX XXXX ( Transaction ID xxxxxxavailable ), XXXX Installment {$1900.00} Tran-Date XX/XX/XXXX XXXX ( Transac ID XXXXavailable ) Property Tax payments for Fiscal Year XX/XX/XXXX and Ending XX/XX/XXXX. PennyMac have sent me {$780.00} SURPLUS Disbursement Check Voucher ( Check Date : XXXX/XXXX/XXXX ). Very STRESSFULLY CONFLICTING TO ME, PennyMac have sent me and my wife THREATHENING/HARRASSING LETTERS OF NOTICE OF DEFAULT AND INTENT TO ACCELERATE foreclosure, loss of property, negative report to the credit bureaus ... etc. Deceiving terms being used ; since I bought my house XX/XX/XXXX till XX/XX/XXXX ( almost two years ) I have paid my property tax, and my Monthly Mortgage Statement sent by PennyMac of {$1400.00}. Upon re-evaluating/reviewing my monthly mortgage BY PennyMac in XX/XX/XXXX stated that my monthly payment should be {$1700.00} to include Property TAX. Hence, property tax was/is paid by me ever since I bought my VA Mortgage home, WHY is PennyMac not crediting/refunding/returning paid excess property tax payment to me first, the County Tax Collector have been paid till XX/XX/XXXX ; OR, credit it to my account with me paying {$1400.00} till final disbursement in XX/XX/XXXX. OR, better yet In response to my CFPB Case Number : XXXX, XXXX XXXX XXXX Priority Complaint Specialist, PennyMac Loan Services LLC, my LATEST Monthly Mortgage Statement Amount Due : XXXX/XXXX/XXXX is {$5200.00}. I am aware that my VA Loan mortgage payment pays for my Thirty ( 30 ) years Fixed Rate of 3.25 % for {$320000.00} only for PRINCIPAL, INTEREST ( {$1400.00} ), and PROPERTY TAX. My home insurance is also paid/covered till XX/XX/XXXX. PennyMac is committing fraud for collecting with threat/schemes already paid property taxes, accepting disburse money from me and the County Tax Collector Office 's and not reporting all on the Annual/Monthly Statements for paid previous property taxes. With clear conscience, I paid my property taxes ever since buying my home knowing that it was NOT IN ESCROW when I signed the contract, ensuring that I would not PAY " ESCROW '' but the term " impound '' was use which I was not aware ; hence, I was focused on the word " ESCROW. '' REGARDLESS!! PennyMac if it is an honest mortgage lender should/shall credit paid property taxes in my account as mentioned above or returned to me. Documented payments from me will all be accounted for, it is simple math.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report because i received an alert staying that my personal information my have been part of the XXXX  data breach
Product: Debt collection

A collection has been placed on all 3 credit bureaus by Phoenix Recovery Group for the amount of {$1200.00} on account # XXXX. I have now sent 2 certified letters to the company to verify license information pursuant to Texas Finance Code Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00} I have attached the expired bond information which was obtained on the Texas Security of State ( XXXX XXXX ) website. The company has failed to provide this information.
Product: Debt collection

I visited a clinic run by XXXX XXXX in XXXX XXXX. I paid in cash for a throat culture. At the time I was living in XXXX. 
In XXXX XXXX I moved to the US and continued to use XXXX XXXX in XXXX for several things, paying in full with their online system. 
In XXXX XXXX I was moved back to XXXX by my company. I called XXXX and ensured all bills were paid. Everything was ok. 
In XXXX I received a bill for the visit in XXXX XXXX. I called to dispute it. In XXXX XXXX they turned it over to a collection agency. When I called this time they said they had been trying to collect since XXXX XXXX. When I proved further the lady on the phone said that the throat culture test I had did n't even cost this much and she would look into it. She never came back to me. I followed up in writing using their online system. They said they do n't have a record and as I did n't save the receipt ( from nearly 2 years ago ) I needed to pay. 
I followed up again with them and the collection agency to discuss in XXXX. Neither had record of the bill. 
Now in XXXX XXXX I am being contacted by another collection agency to pay this XXXX .
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report a few months ago, I noticed there were a few accounts listed that aren't mines. I have never in my life heard of these companies reporting nor have I ever given out my personal information. I need these accounts removed immediately ; this is ruining my reputation. 

XXXX XXXX XXXX - Owing {$3300.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$480.00}. Posted? 
Acct # : XXXX XXXX XXXX Owing {$980.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX Owing {$1000.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$940.00}. Posted XX/XX/XXXX Acct # :?
Product: Checking or savings account

Got an email stating if I had Wells Fargo during XXXX that I qualified for compensation so Im submitting the info I had a Wells Fargo account at this time frame
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting an investigation into unauthorized inquiries on my credit report. To verify my identity and address, I enclosed copies of my photo ID, Social Security card, and a recent bill reflecting my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' On XX/XX/year>, I sent another dispute letter to TransUnion, requesting an investigation into inaccurate items on my report. Despite providing all required documents and submitting a clear request, TransUnion has failed to respond or provide any results of their investigation. It has now been over 30 days without resolution or communication. 
The Fair Credit Reporting Act ( FCRA ) clearly mandates that TransUnion conduct a reasonable reinvestigation of any disputed items in a consumer 's file. TransUnion 's failure to act on my dispute is both concerning and frustrating, as it negatively impacts my ability to access credit and financial services. 
Despite receiving sufficient verification documents and a clear request, TransUnion has refused to investigate my dispute, which constitutes a clear failure to fulfill its statutory obligations under the FCRA. 
I have attached copies of my dispute letters and TransUnion 's response for reference.
Product: Debt collection

I've contacted Portfolio several time to provide me with charges made on the account showing a total of {$2400.00} They have only provided a statement balance but no charges showing being made on account being reported. I'm not aware of the charges and have now reported the charges as fraudulent charges
Product: Consumer Loan

THE XXXX APPLICATION FOR THE XXXX LOAN WAS REJECTED. 
I SPOKE WITH THE MANAGEMENT BASED ON THEREJECTION OF THE XXXX LOAN. 
I EXPRESSED TO THE MANAGEMENT THAT THEREAL REASON FOR THE REJECTION WAS THEUSE OF DEBT MANAGEMENT PROGRAMS ONMY CREDIT REPORT AND THAT I RECEIVE XXXXPAYMENTS AND AM ON XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that Chex Systems cease reporting this dispute on my consumer report. As outlined in my prior complaints, this is an ongoing dispute. It stems from a fraud attempt against me by scammers. I provided Chex Systems with relevant documents supporting my claims, but my attempts to resolve this issue through proper channels have failed. As a result of Chex Systems ' continued reporting of this, I'm experiencing undue stress and inconvenience, which I think is unfair. If I can't resolve this matter through the normal channels, I will likely have to file a lawsuit.