23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed the problems on my credit file with TRANSUNION which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me like a number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against a TransUnion employee XXXX and her supervisor XXXX XXXX. I called ( XXXX ) XXXX to speak with someone regarding XXXXXXXX XXXX, and the first thing she asked me was my name, then my full social security number. I provided her my information, then she asked me if I was able to login online, I told her no I was not. She told me to ask the landlord to resend the link, I told her we did that twice. I asked her why did she ask me for my full social first when she should have asked me if I was able to login online first, she could not give me an answer. I asked for her Supervisor. 
Her supervisor XXXX XXXX came on the line speaking over me extremely RUDE and disrespectful. I asked him to let me speak, he continued to ignore me and kept talking over me, so I asked for his Manager. He said he was not able to give me the information, so I asked for the site to file a complaint against an employee. Customer Service is very much needed respect for customers and their personal information.
Product: Money transfer, virtual currency, or money service

My account was closed for no reason. I didnt breach terms of service or anything.
Product: Credit reporting or other personal consumer reports

I have been affected by the Equifax data breach. Per 15 usc 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested, and Fair Debt Collection Practices Act, 15 USC 1692d.
Product: Student loan

On XX/XX/XXXX I ran my credit report and was shocked to see a gigantic increase in my student loan debt. The balance should be in the ballpark of {$70000.00} but ballooned to over {$140000.00}, nearly exactly double what I actually owe. 

In XXXX of XXXX Nelnet had transferred my account to XXXX. I have this documented. Now both Nelnet and XXXX continue to report my student loans, showing a duplication of each loan under two different servicers. 

On XX/XX/XXXX I reached out to both Nelnet and XXXX. Nelnet claimed that it was not their problem, that they were reporting " correctly. '' I confirmed with them my account balance is XXXX. So I said to them, so if you say my account balance is XXXX, but you are reporting a balance of thousands, then clearly you are not reporting correctly. They also claimed that this is only an issue with one credit bureau. I explained that it is not, it is double reported on all three. In my mind this is fraud and lies. They are fraudulently miss reporting to the credit bureaus and it has severely harmed my credit. They continued to claim it was not their problem and to contact XXXX that they hadn't accepted my loans. XXXX says they have accepted my transfer, and I believe that to be accurate because they are showing up on my credit reports. 

Nelnet needs to be held accountable for fraudulently reporting to credit bureaus and habitually lying to borrowers.
Product: Debt collection

On XX/XX/XXXX I went to a XXXX XXXX store to pay my bill that was owed on my canceled service. I forgot to take the companys equipment with me. They told me it would be turned over to collections the next day. I paid the bill but the amount for the equipment stayed on my account. On XX/XX/XXXX I dropped the equipment off and was given a receipt for {$0.00} balance. A week or two later I started to get phone calls from collection agency. I explained to them what had happened. A few weeks later I got a call again and I once again told the man what happened and that I wasnt paying them for something I didnt owe. So here we are and I just want this taken off my credit report. Can you please help me?
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. 

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 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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, AFFIRM XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX IN : XXXX, XXXX XXXX XXXX : XXXX, 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 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, credit repair services, or other personal consumer reports

Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX/XXXX. XXXX/XXXX, XXXX XXXX. XXXX XXXX removed from my credit report.
Product: Mortgage

In XX/XX/XXXX, the mortgage company ( AmerisXXXX XXXX sent {$1000.00} to XXXX for my homeowners insurance coveragethis payment should have been sent to XXXX XXXX XXXX In XX/XX/XXXX, the mortgage company sent the same amount to XXXX XXXX ( double payment ). In XXXX, I received a letter from Ameris saying that my escrow account had been adjusted ( to cover their error ), and that my mortgage payment was being increased by {$110.00}. I have spent countless hours on the telephone with rude/incompetent employees who refuse to help fix this. They blame XXXX, and XXXX repeatedly says they need more infowhich Ameris/XXXX will not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB please refer to case XXXX XXXX XXXX AS I stated with fact evidence from themXXXX that they could not show that the account was made or used by me. TransUnion in you stall tactics You state contact company please be advised that any and all documentation is kept and forward to the CFPB and the OCC You state contact company how about you contact company and investigate this you are in violation of FCRA 623,611And FDCPA 806 { b } you reporting information that you TransUnion can not confirm as factual but reporting of this account just like the company can not show any evidence I made or received any thing from them you have the documents I sent to you throught the OCC and CFPB showing this .CFPB my request from TRANSUNION show there investigations { even there Past investigations } in writing they make the claims but show nothing ever false reporting is just that false reporting and is a violation in its self. This is extortion. yes extortion on transunion and there company XXXX when will we get any actual facts and not just double talk or stalling .I dont think it will take you any time to show your facts you have on record now REMOVE THIS ACCOUNT THAT IS NOT MINE
Product: Credit card

Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 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 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 ADJU # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Mortgage

I went from XXXX to XXXX loan, tranferrred to XXXX loan. 
I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.
Product: Debt collection

Already made one complaint about this company, to provide me with proof of the debt, that the debt is mine, and the collection agency XXXX XXXX XXXX indeed bought the debt. They have provided that, but this debt wasnt paid since XXXX. I have never got any letters about payment or lawsuit form XXXX XXXX XXXX. What I read about the lawsuit agreement between the consumer financial protection nurse and XXXX XXXX XXXX, they arent supposed to be able to, attempt to collect from debt that has passed the statute of limitations, and or post negatively on peoples credit it they dont either have the appropriate paperwork, or if the debt is uncollectable due to the statute of limitations. The statute of limitations on private student loan debt is 3 years in North Carolina. Again this hasnt been paid upon since XXXX. I understand that this debt will be placed in charge off status, and still be seen on my credit report. I am trying to start over and become a homeowner again, and cant due to this negative posted collection for XXXX $ that is past statute of limitations for collecting and a lawsuit. I am asking for XXXX XXXX XXXX to charge off this uncollectable debt, and stop posting negatively upon my credit report as agreed upon by XXXX XXXX XXXX vs the consumer financial protection bureau.. thank you for your time with this. I have not made XXXX XXXX of new debt since XXXX, and have either paid off or charged off a total of XXXX $ in student loans and credit cards. Thank you for assisting me to be a homeowner again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone else details have been entered in my XXXX report, which is causing us a lot of issues. I am Requesting you to delete their details as soon as possible. 

Kindly delete this person details in my XXXX report. 
XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


THANK YOU
Product: Debt collection

Amerifirst finance bought out the loan we used to pay for our windows -the repetitious phone call start the day the payment is due at XXXX until XXXX. Sometimes when I get home, there has been up to 25 calls in one day. I 've been told they can foreclose on our house. This was said for a loan payment that was 13 days late. They also call my husband 's cell phone in-between the calls made to our house. We bought the widows over 10 years ago and most have been broken since the first year but directly after buying them, the company went bankrupt.
Product: Student loan

XXXX and then ( once the loans were transferred ) Navient both had continual and ongoing issues with properly allocating my payments on my loans. I currently have XXXX different loans with Navient. When I would have a payment of nearly {$1000.00} auto drafted out of my account to Navient to pay my loan I would constantly find myself receiving phone calls for past due and delinquent loans. Even though I was having my payment automatically drafted, Navient would constantly misapply that payment among my XXXX loans, despite us agreeing exactly how much I owe on each loan for each payment. Some loans would be overpaid and some loans would be underpaid. I would receive 5 or more harassing phone calls every single day about the underpaid loans because their system would show them as delinquent. I would have to call Navient to explain the situation, which would take anywhere from 45 minutes on the best day or up to 2 hours on a bad day. I would be transferred 3-4 times and often have the call " disconnected '' and have to call back again and start the whole process over. On average, I would estimate my call would be " disconnected '' about 30 % of the time and often after having being transferred multiple times and on the phone for over 30 minutes already. I would eventually be told that they would have to refer my issue to the finance reconciliation department so they could figure out what was wrong and fix it. In the mean-time I would still get harassing phone calls about being delinquent and be assessed late fees on the loans that were underpaid. After a month or two the finance department would " fix '' my issue and reallocate my payments so that all loans were showing paid up to date. The problem is that while the finance department fixed my allocation on previous payments manually, the actual system that kept messing it up was never fixed. This led to my very next payment having the same exact issue and then once again I was showing over paid on some loans and underpaid on others. This would set off another chain reaction of harassing phone calls, late fees, and hours upon hours of my personal time stuck on the phone with them while they ineptly tried to figure out the problem. Even when I would explain to them that their system was messing it up and I knew exactly what the problem was because I had dealt with this before, it would still require a 90 minute phone call and several transfers. This occurred on and off for over 2 years and their constant removal of payments and reallocation of payments has made it completely impossible to accurately track my progress of payments on my loans online and ensure that my principle is being adequately reduced ... and I am a college educated XXXX. After years of poor management of payments, incorrect application of my payments, several hours wasted on the phone, etc ... I am concerned that Navient is not capable of managing my loans accurately and I am afraid I am going to end up paying more due to this mis-management.
Product: Student loan

I received an email to consolidate my loan to " make one simple payment ''. As I have never been able to be ( or since been ) approved for a consolidation loan since the point is to make payments easier to handle, I assumed I would be turned down. Instead I received notice that it was approved and my payments nit only went up but my loan was now a 30 year term instead of the original 10. I called every number I could find and was told there was nothing that could be done. I do not understand how a " loan '' does not have to show you the terms and then you agree, or not. What kind of XXXX  would possibly agree to both the amount And length going up? And because it is a Parent Plus, I have very few options to help with payments. I will literally pay until I die.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a forbearance on XX/XX/XXXX due to a loss of income caused by Covid-19. My account up until then was " Paid as agreed '' and " Account in good standing '' and pursuant to the CARES Act, the credit reporting during any accommodation will reflect the status of the account before entering into the accommodation.

Shellpoint extended CARES Act credit reporting protections to all homeowners affected by COVID-19, regardless of any official loss mitigation workout plans. They informed me that my credit protections would be expiring on XX/XX/XXXX, unless I was still on a forbearance plan, in which case the protections would remain until the forbearance period expired. However, I was approved for a Streamlined Modification and made my first trial payment before the expiration of the credit reporting protections to fulfill the requirements of the modification agreement. I was approved for this Streamlined Modification on XX/XX/XXXX to bring my account current and made my First Trial Plan Payment on XX/XX/XXXX. 

Therefore according to the CARES Act, my credit reporting protections apply throughout the period of loan modification accommodation as long as I have fulfilled the requirements of the modified payment agreements and the agreement is made between the period XX/XX/XXXX and 120 days after the date of national emergency declaration for the coronavirus is terminated. 

I have attached documentation from Shellpoint showing that I was approved for a Streamlined Modification on XX/XX/XXXX and proof that I have made my first Trial Plan Payment on XX/XX/XXXX. Also I have attached documentation from Shellpoint stating that my credit protections would be expiring on XX/XX/XXXX, unless I was still currently in a forbearance plan, in which case the protections would remain until the forbearance period expired. 

Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later.