23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My payment records indicate the Bill Generation Date is XX/XX/XXXX. With a statement from XXXX stating I had past due amount of XXXX dollars ( XXXX ) dollars per month. It is now XX/XX/XXXX and I have received information that my Federal Perkins loan has entered default status. I have made two attempts to send paper form forbearance requests to the company via paper mail. The first one was lost because it was sent to the wrong branch of XXXX. The second was obviously either not received ( I made specific attempts to get the address correct on the 2nd mailing ) or they did not apply it before they changed my loan to default status. I have encountered much confusion and inability to access my account online due to the multiple branches of XXXX and the changes that have taken place within the organization. To my knowledge my account has only been diliquent for 4 months. Of which time I have attempted to apply for forbearance. At this current time I am eligible ( Or would be if I was not defaulted ) for deferment due to in-school enrollment. The information I have researched on Federal Perkins loans indicates a 270 day Grace period, of which this has absolutely been cut in half. I have made successful attempts in the past to get this loan into forbearance and deferment. The past year XX/XX/XXXX I was enrolled at a federally recognized university for the XXXX semester XX/XX/XXXX-XX/XX/XXXX. I took time off until due to mental and emotional healthy until my semester starting XX/XX/XXXX. I received multiple letters from XXXX at the end of XX/XX/XXXX, which I saw a balance of {$0.00}. I thought that I was current on my forbearance and deferment. I could not keep track of my online account because no one was able to sufficiently provide me with the information needed to access the proper avenue of displaying my current and correct XXXX information. I'm just lost for words and don't understand. Now I have no idea whether I will be able to receive financial aid for this current term of school or whether they will suspend eligibility due to my negative interactions with XXXX. The company is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA. XXXX, they have sent my " defaulted '' loan to The U.S. Department of Education ( the Department ). They say I have 90 days to pay it off in full and 60 days to contest it. Meanwhile I'm generating $ XXXX in either charges or interest, I'm not sure. My interactions with XXXX  has caused me a great deal of emotional distress. I am completely dissatisfied with their online account systems of trying to gain current information on the status of my account. It has failed me tremendously. I don't know what to do. Due to my inability to access my account online I have not been able to keep a concurrent record and tracking of my forbearance status. I would love to obtain all records from XXXX and see what their records reflect.
Product: Debt collection

XXXX XXXX XXXX They have repeatedly ignored me. This isnt my debt and theyve ignored requests for additional information, proof and removal of information.
Product: Money transfer, virtual currency, or money service

US BANK closed my account unexpectedly without any notice or heads up. I had about {$52000.00} in my savings and checking account with them. The manager XXXX handled everything unprofessionally he lied about the account closing saying it was the back office of US BANK when indeed it was him. 

I asked him how will I get my money back he said he sent out a cashiers check to me. After 2-3 weeks waiting for a cashiers check that shouldve been over night mail. I contacted XXXX at US BANK asking him where the checks are and why its taking so long. According to him since he had the tracking number he said they havent been mailed out yet and still at the post office. I then asked for him to cancel those checks and i can come by the branch he said that wasnt possible. 
It was 2 checks that where supposed to get sent to me via USPS and signed for. I have cameras all over my house and can assure you that not one single person from the post office brought me anything all year let alone that week to sign for checks. My checks either never got sent to me and got cashed by someone else at the branch or they got delivered or stolen from a different address. Cause the checks got cashed at a XXXX XXXX. I dont bank with XXXX and had identity theft involving chase last year which i can provide a police report and FTC reports to show proof. 

Another week goes by and i still dont have my money. I called XXXX back and he said he needs to get an OK from higher management to see when he can reissue me my checks. After a couple hours he called back and all of a sudden says how the checks where cashed and try asking me if i forgot i cashed 2 checks around {$52000.00} like Id forget something like that. Pretty much he was accusing me for cashing Checks. He then had me come to the branch to file some fraud forms that he didnt help me with and let me know what has to be filled out which delayed the process even more. After another month of miscommunication my forms and fraud case where approved by US BANK fraud department. They finally found out where my checks where cashed and sent 3 letters to that bank demanding the funds back so i can finally get my money back. But the process has been taking way too long and i really need those funds. Its been 6 months already and i still havent seen a dime from my money yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to unfreeze credit report in order to open a new phone plan, but a week later it is still frozen and my cell provider can not process my order.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX reported the information has certified to Experian that the information is accurate THAT IS IMPOSSIBLE BECAUSE I REPORTED THE ACCOUNT AS IDENTITY THEFT, THE ACCOUNT WAS OPENED FRAUDULENTLY. I never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Ive been living at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX of 2018. 

Ive attached the false updated response from XXXX XXXX XXXX to Experian & Ive attached my identity theft document to support my claim.
Product: Debt collection

Over a year, a company called XXXX XXXX XXXX , XXXX a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called Equitable Acceptance Corporation ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XX/XX/XXXX. 
I was afraid that XXXX XXXX XXXX , XXXX might have sold my information to this company. I asked them to provide a phone number for XXXX XXXX XXXX since I have had a hard time reaching them two days after speaking to them. The number Equitable Acceptance offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from XXXX XXXX about my application. I told them that I spoke with XXXX XXXX and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since Equitable Acceptance got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach XXXX XXXX XXXX , XXXX, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XX/XX/XXXX I got in contact with Equitable Acceptances about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,
Product: Debt collection

Castle Payday Loans outsourced my account to a third party company called  XXXX    XXXX   XXXX   at  XXXX . They phone d one of  my phone numbers on  XXXX / XXXX / 2017  making false communication tactics threatening that they were going to serve me a legal summons today and I was to call them to verify information and if I did not I would be served with legal proceedings. I attempted to contact them back to get more information and they provided rude threatening comments that I would be sued and served a legal summons if I did not comply.
Product: Vehicle loan or lease

-vehicle was towed -on date vehicle got towed registration expired so i could n't get it out only the lien holder who had title due to rules at tow yard -the lien holder who navy federal credit union -the tow company sold vehicle -navy federal is trying to not accept responsibility by saying i still must pay for the car -in addition they claim they never got a title which is a lie due to the fact the dmv has proof of electronic title -also navy federal stated that they never received mail from tow yard stating car was there which is a lie post office has proof of delivery -then are trying to give me a rake hike due saying the do n't have title -i am stuck with no car and having to pay for car plus cant get another car
Product: Credit reporting, credit repair services, or other personal consumer reports

Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.
Product: Credit card or prepaid card

My name is XXXX XXXX. I received a Way2go prepaid card and I never applied for. It came under the name of XXXX XXXX XXXX my previous married name ). I Have called the number behind the card and it required me to activate the card first. I dont know what to do to report it and cancel it. Please I need help with this issue. I have an idea of who did it. His name is XXXX XXXX. Im going through a divorce and he is been trying to open credit in my name in multiple occasions. He is a felon in the state of Florida. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was notified by XXXX XXXX in XX/XX/XXXX to remove an hard credit inquiry made as the result of id theft / fraud. As of XX/XX/XXXX Equifax still has not removed the incorrect information which has adversely affected my credit score.
Product: Debt collection

I was contacted by a debt collector who said they sent a formal letter to an old address. I have not lived in that address nor do I own that house for over 6 years. I contacted transworld and my former employer multiple times but have yet to receive any documentation as to the debt owed, where to pay it, etc. I specifically requested a letter to be sent to my new residence on XXXX ( request to XXXX XXXX ) and XXXX ( request to Transworld ) and have not received it. I called Tansworld again today ( XXXX ) and they gave me the same speech ( they do not know when it will be sent out ) and then once I mentioned a lawyer, their connection became " unaudiable ''. I tried to call back 5 times and no one answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

three times I sent letters about incorrect listed information on my credit reports. 
All three bureaus completely ignored my request to validate the information. Never provided with Method Of Validation .Didnt even reply to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : Credit Collection Service Account Numbet : XXXX Account name : XXXX XXXX XXXX Account number : XXXX You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX
Product: Debt collection

I was looking at my credit reports and found this collection on my experience credit report. I have received no knowledge of this account nor do I even know who this vendor is. 

A collection agency putting negative credit on a credit report without contacting the debtor would be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c which prohibits communication with a consumer regarding debt collection without prior consent or a court order.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed 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: Debt collection

This dispute is against XXXX XXXX. The account was opened XXXX XX/XX/2015 in the amount of {$2300.00}. 

I am a victim of fraudulent activity. In XXXX, I went to purchase the XXXX XXXX XXXX pendant. I never received the item and recently discovered the company targeted XXXX XXXX  with this promotion. I never received the item in which I am being penalized for. I attempted to contact XXXX XXXX. They have since been shut down due to identity theft and fraudulent activity following an investigation regarding matters the same as the one I am currently reporting. I contacted the debt collection agency and they referred me to a liaison from XXXX XXXX. The mailbox for said liaison is full and I have not been able to get in touch with them.
Product: Credit reporting or other personal consumer reports

These accounts is written as a charger off but I didn't receive my 1099C cancellation of debt form and because of that is account is inaccurate and have to be removed. 

XX/XX/XXXX amount XXXX, XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX. XX/XX/XXXX amounXXXX XXXX XXXX I requested from all companies the for my 1099C.also I didnt give consent for these accounts to be sold I didnt authorize my information to be given out.
Product: Debt collection

lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report # XXXX ; Equifax Confirmation # XXXX ; I am filing this complaint because Equifax, XXXX, & XXXX  have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX
Product: Mortgage

I have a loan with XXXX and i received a letter in the mail today stating that my loan will be transferred to a new company named LakeView Loan Care, LLC. I am under the impression that i am required to have at least 30 days of notification of said transfer. In addition i was notified that my due date was changed to 15 days sooner. Should I contact an attorney??
Product: Mortgage

We had a second mortgage that was supposed to be paid to XXXX XXXX, n/k/a Select Portfolio Servicing ( SPS ) on XX/XX/XXXX.. SPS has records of transactions recorded after loan was paid by us on XX/XX/XXXX, and received by SPS on that date. However, the payoff as received by SPS was recorded as a different dollar amount than by us, and received on XX/XX/XXXX - a day late than the check was stamped received, and with transactions and fees occurring on the account for nearly two years after our XX/XX/XXXX payoff. SPS claims payoff was not received until XX/XX/XXXX. That is incorrect, as the payoff check is stamped as received by SPS ( f//k/a ) as XXXX onXX/XX/XXXX-- the date required for payoff, by payoff quote, to be received by. Further, transactions occurred after that date - including Broker Price Opinions, Foreclosure related fees, and forced placed insurance. We have requested from SPS that they  provide the name of the party that " paid out '' on the loan - prior to receipt of our payoff, received by them, on XX/XX/XXXX SPS has refused to identify the name of the entity or insurance company that " paid out '' on the loan, and by which our payment was diverted, not recorded as paid by us, and with fees accumulating on the account. Further, no accurate/valid discharge was ever recorded in our County Registrar 's office. All SPS can tell us is that someone paid out on the loan, and will not tell us who. We have no idea where the money went, and we request a full investigation, and accounting, as required under Dodd Frank new law - including changes to RESPA. SPS recorded an assignment and discharge in XX/XX/XXXX, in our County -- on behalf of XXXX XXXX XXXX XXXX, as trustee to a trust. - XXXX XXXX XXXX XXXX has no record of us or the loan. No Power of Attorney is recorded in our County -- our state requires an original Power of Attorney to be recorded. Thus, SPS is still acting as servicer, and we have requested numerous times as to the accounting of the records, and the reason why SPS still has records in possession, by which they filed a VOID assignment and discharge in our County Registrar 's office as recent asXX/XX/XXXXWe request an immediate accounting and response, under RESPA, and believe SPS will comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My name is XXXX XXXX, this is concerning my private student loans with Navient corporation. 

The amount on the original loan is {$5400.00}. They are saying that i owe a very high amount, which keeps changing, first it's, {$35000.00}, then {$70000.00}. I'm getting harassing phone calls and people coming to my house and threatening me. The amount and the harassment is causing me high stress and mental distress. I'm going to have file a lawsuit if this complaint isn't resolved through CFPB. I would really appreciate CFPB 's help on this matter. I did the math on the original loan at an effective rate of 5.13 % in 12 years compounded monthly only comes out to {$10000.00}. I feel there is a bit of corruption on their part. I believe students are being taken advantage of by Navient and any other big student loan corporations. I believe Navient is taking advantage of students, like me, who have no idea what compounded interest is. They are billing me on new balances without my approval.