23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am unaware of this debt I didnt have an opportunity to dispute this information. In fact, if you believe, Im sure you gave me proper notification. Please send me the certified receipt with my name And signature on it
Product: Student loan

My student loans through Navient keep getting put in " Administrative Forebearance '' and interest keeps compounding. I have been paying these loans for close to 20 years which included wiping out a XXXX 4O1K retirement account to keep up on these loans. It caused a bankruptcy as well. Now I have the means to pay them off but the Forebearance interest is lowering my credit score monthly as that loan, I can not make payments on. I have tried to negotiate a settlement with Navient and was told by them that while they are being sued, they can not settle any loans. So now I am stuck with a loan that has compounding interest that I can't make payments on.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted an identity theft report and also submitted police reports and they have yet to remove this off my credit report.
Product: Checking or savings account

I opened a regular checking account with money lion In XXXX of XXXX depositing {$200.00} into a checking account XX/XX/XXXX to be used as a credit builder boost account also. I decided to go a diffrent option to help my credit and with banking choice. I decided to close the money lion account in XXXX of XXXX, my deposit was refunded to me XX/XX/XXXX. I subsequently followed up with money lion to confirm my account closure through email on XX/XX/XXXX. The represenative informed me that this was due to a marketing venue even though the email specifically discussed my personal account. I had believed the closure went as planned until I got an email informing me to log into my account due to inactivity and to check in to the credit builder activity. I emailed money lion again to confirm that my account was closed, I got a reply email on XX/XX/XXXX confirming that my account was closed and inactive. Again, I believed that the issue was resolved until I got another email XX/XX/XXXX letting my know that my account was still open and inactive for XXXX  years encouraging me to log in and check my account activity and add funds to my account in the next 7 days from XX/XX/XXXX. I reached out again by phone to confirm closure and they assured me the account was completely closed and deactivated and my personal information had been removed. They promised to send me a formal paper letter in the mail giving me solid proof that my account has been closed, deactivated and discontinued. As of XX/XX/XXXX I have not recieved any documentation from money lion to clarify this issue. I have also been a victim of Identity Theft and Fraud to which I explained that I needed to have this documentation for my own Identity Protection.
Product: Debt collection

XXXX XXXX put somethi g on my credit report i called them to let XXXX  know it wasn't mine i have never lived there nor heard of them until the debt 2 years ago they took it off then added it back on recently
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bill from XXXX insurance of {$340.00} go into collections back in XX/XX/XXXX. The account was taken over by Credit Collection Services. On XX/XX/XXXX I paid and settle the debt for {$250.00} with XXXX XXXX XXXX. The company XXXX XXXX XXXX updated the account in XX/XX/XXXX as in collections but paid and settled. They continue to report the account in collections but as paid and settled still as of now. I have reached out to XXXX XXXX XXXX and they said they can not help me. I have also reached out to XXXX and filed multiple disputes but have gotten no help and no proper update on my credit report. Please help me with this matter. Thank you
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXXDept of Ed
Product: Mortgage

To Whom It May Concern : My father is XXXX since XX/XX/XXXX and lives on a very low monthly budget. I was going through some of his mortgage papers to see if we could get help with his mortgage and found out that he has an XXXX mortgage on his home for repairs through a company called XXXX XXXX who give out bad loans to consumers with no knowledge of the mortgage industry, and I know that my father would not had no idea of what he was signing and the company could not have told him that he was signing a loan that when he make a payment nothing goes towards the principle. This company, XXXX XXXX has been known for violating mortgage underwriting practices just to close bad loans that cost taxpayers millions of dollars and hurt neighborhoods when the houses go into foreclosure. Although they are an FHA lender the loan in question should n't have been approved. Now my father has a {$32000.00} loan that he has had since XX/XX/XXXX, and here it is XX/XX/XXXX and he still owe {$32000.00}, and it has been sold several times to other companies like Ocwen Mortgage who has multiple law suits in XX/XX/XXXX and have lost cases due to robot signing or missing assignments coupled with an inability to produce escrow and settlement statements demonstrates a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. Lack of the original note, failure to timely and accurately apply payments made by borrowers, charging borrowers unauthorized fees, providing false or misleading information make us believe that these companies are taking elderly people for their low budget and finance problems. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. We need help and my father does n't recall getting any papers that he could file a claim against either company. Please help us keep my father in his house. Thank you so much for all your help.
Product: Debt collection

PAYPAL CREDIT IS ALWAYS CALLING AND HARRASING ME AND MY FAMILY.
Product: Mortgage

Wells Fargo is refusing to apply the federal disaster declaration to my home mortgage. They are also refusing to send me a complete break down of my Mortgage, I made a payment of {$1500.00} that they received and cashed on XX-XX-2017 to bring my HARP loan current. They are refusing to actually post the payment and are holding it in un-applied funds. I paid there late fee and they still refuse to post this so they can XXXX more interest and fees out of hard working american. as they have never answered any of my complaint to CFPB complaints made in XX/XX/XXXX, XX/XX/XXXX, XXXX 2017 as well as the one made two weeks ago. Other than to ask the CFPB for more time to respond. they are trying to blame investor which is total XXXX as I owe a small piece for these financial mortgage instrument and I have not been asked if I want to comply with the Hurricane IRMA Federal Disaster declaration.Had i been asked I would have said yes. These people are low life worthless pond XXXX and deserve to been fined the maximum the law allows. They refuse to call me on an unrecorded line even though i have rep [ eatedly advised them to call me from an unrecorded line. Any recording they might have of my voice were made without consent as Florida requires written consent
Product: Checking or savings account

There were more than {$700.00} worth of XXXX transitions that I do not recognize, did not authorize and did not perform on my own. I communicated this to my bank approximately four times and they insist that it was me or my fault. These transactions took place on XX/XX/21 through my Wells fargo account. Despite my pleas the company would not listen to me and I need someone to help me undue the fraud and get my money back.
Product: Debt collection

I was looking at my credit report and noticed I had a collection account for XXXX from Lvnd Funding whom I never applied for anything with. A account was open on XXXX from XXXX  XXXX ( Original creditor ) whom I never applied for anything with. 
This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
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  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/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 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 or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX OF XXXX Account # **** is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX OF XXXX Account # **** is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Money transfer, virtual currency, or money service

A wire transfer of {$30000.00} was sent to a Citi Bank account ( XXXX XXXX XXXX ) on XX/XX/year>, but I was told by XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), available at ( XXXX ) XXXXXXXX XXXX XXXXXXXX on XX/XX/year> that the recipient bank rejected the wire transfer and refunded the money back to the sending bank ( XXXX XXXX  ). XXXX XXXX has been investigating to determine if the origin of the {$30000.00} is from me, to which I have the bank account information and confirmation emails that I was the one who wired the initial {$30000.00}. However, Ive gotten no clarity from either XXXX XXXXXXXX nor Citi Bank if this is indeed what has taken place, if so then XXXX XXXX will be refunding the money back to me. However, the investigator at XXXX  XXXX has been reaching out to Citi Bank to get clarity on this matter and whether it is appropriate to have Citi Bank request the money back or if Citi Bank did in fact reject the wire transfer and have the money sent back to me. I tried inquiring about this to XXXX  available at ( XXXX ) XXXXXXXX XXXX XXXXXXXX on XX/XX/year>, but he told me that nothing can be done/said to me since I dont have an account with Citi Bank. He recommended that XXXX XXXX reach out to Citi Bank directly, to which the investigator said that they have.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

I'm a one year member of USAA Federal Savings Bank, which I was able to join slightly after the closure of XXXX XXXX XXXX XXXX. 

During the time of XX/XX/2019, I was the victim of a phishing attempt from an account user on XXXX.who had used XXXX XXXX to set-up a fake check in the amount of {$1000.00}. 

However, I did not know this was a fake check ... because the scammer had used XXXX XXXX to set-up the check. The only way I knew, was when my checking account had been put on a temporary freeze, because of this. 

Apparently, this resulted in a restriction for 6+ months. As of XX/XX/XXXX,  my account had been in mostly good standing, so they partially removed the account 's restriction regarding my depositing abilities and limitations of how much was acceptable to deposit. 

They have not yet, found a solution to my complaint ... and in partial ways passed it off as fraud. According to the Depositing Agreement, which is somewhat flunky in these sorts of situations, Members are responsible for incoming funds and verification that they are legitimate. 

But, I have an additional complaint. 

During the following month, I had discovered that I was a victim of a scam through a contract which had been breached for music management services. Although these two " recipients '' were completely at fault, USAA had retracted any amounts related the transactions which were in question after disputing with the vendor. 

Within this complaint, I have documentation which shows exactly what happened. USAA prior to the dispute process had asked me to show them PDFs of the police reports verifying my claims. I did so by initiating an IC3 report of CyberCrime of each incident with the Federal Bureau of Investigation of The United States of America. 

Not only was nothing done to punish these criminals, but my reports became non-significant ... as again, I was restricted for over 6 months, trying to restore this account.
Product: Credit card

MY COMPLAINT IS AGAINST ( CITICARDS XXXX XXXX WHO IS THE DIRECTOR OF CITICARDS ) FOR DEPARTMENT NATIONAL BANK. MY COMPLAINT IS REGARDING {$400.00} IN ILLEGAL LATE FEES THAT XXXX BEGAN APPLYING TOO MY ACCOUNT XX/XX/XXXX WHEN XXXX XXXX TO PROCESS A PAYMENT I SCHEDULED FOR MY XX/XX/XXXX XXXX I LEARNED THAT MACY DID N'T PROCESS MY PAYMENT AND BEGAN APPLYING LATE FEES I QUICKLY ISSUED ANOTHER PAYMENT AND CONTACTED MACY TO FIND OUT Y THEY DID N'T PROCESS MY PAYMENT THE CUSTOMER SERVICE TOLD ME THAT SINCE IT WAS THE FIRST TIME IN 7 YEARS I RECEIVED A LATE FEE THEY WOULD REVERSE IT WELL THEY NEVER REVERSE IT AND INSTEAD ADDED THE LATE FEE TO MY NEXT MONTHS PAYMENT ALONG WITH ANOTHER LATE FEE .I FILED A COMPLAINT CFPB AND MACY EXECUTIVE OFFICE NEVER RESPONDED UNTIL I CONTACTED A XXXX XXXX AND INFORMED HER OF MY PROBLEM .XX/XX/XXXX I FINALLY RECEIVED A LETTER FROM MACY EXECUTIVE OFFICE IN AZ BY THAT TIME MACY HAD APPLIED OVER {$100.00} IN LATE FEES.
Product: Student loan

I signed a loan at a very young age about 9 years ago and have struggled since in paying the amount due ever since. I have fallen behind on several occasions because of not being able to maintain the minimal standard of living for myself and dependent. The interest rate is set at 12 %. I started my loan by borrowing {$20000.00} and 9 years later I am at {$29000.00} due to interest. I continue to struggle and can not provide what I need to for myself and son with this extremely high payment of {$460.00} a month as well as it will end up being {$100000.00} of repayment by the end of the " life of the loan ''. The private loan company does nothing to help me make this easier ( by lowering the interest rate/payment ). I have been without a place of my own since I was divorced in 2013 and I am forced to stay with family and or my boyfriend. I can not contribute financially to the household because of this and I am at the end of " favors '' being given by people as we ( myself and my child ) are causing financial strain on others now. Without lowering my payment/interest rate so I can have an affordable payment I will not be able to have a home of our own until the loan is paid off. I have exhausted the forbearance offered years ago and the loan company says I am not in " undue hardship '' because I have {$400.00} a month left over after they calculated my bills. This does NOT include rent/utilities that I NEED to pay but are NOT paying yet because I have to " mooch/live for free '' off of my family and boyfriend. I work for " public service '' and because this is a private loan I am offered XXXX relief. I have another 9 years left on the loan and with that being said my current financial situation is likely to continue for a significant part of the repayment period. I need help ... the only other step I may take is to file chapter XXXX or XXXX bankruptcy. This is insane to start with a {$20000.00} loan that has spiked up to a {$29000.00} loan that will inevitably be paid back in the amount of {$100000.00} ... no one should be forced to live in poverty because of such high interest rates nonadjustable.
Product: Consumer Loan

We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. 

In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). 

We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). 

They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). 

My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. 

Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. 

Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. 

At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.
Product: Checking or savings account

Hello Dear CFPB I applied to open Navy Federal Membership and Checking Account and filled out my new address in application but send them my old driver licence by mistake and company was concerned and did not open me account, since then i updated my Identification and send them new driver licence and utility bill but they still denied opening checking account for me. Please see attached documents what they send to me. Thank you