23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While on XXXX XXXX military orders ( XXXX XXXX - through XX/XX/year> ), I applied and was approved for an American Express XXXX credit card. The card was applied for and approved on XX/XX/year>, and received at my home address on XX/XX/year>. Despite signing up for and in turn opting into the {$690.00} annual fee while on XXXX XXXX orders, the annual fee was added on XX/XX/year>. According to American Express and multiple other sites, XXXX XXXX military service members have the ability to have the {$690.00} waived due to the Servicemembers ' Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ). Through continued effort of contacting American Express customer service professionals through in-app communication methods, receiving responses in the email, and uploading orders / necessary documentation to their document center portal, I have made no headway to receiving reimbursement for the {$690.00} charge. It feels as though the continued difficulties are in place to reduce military service members ' ability to get the fee waived and acts as an opportunity for American Express to target a military population of customers that may lack an astute awareness of the cost of credit cards and their impact on financial wellbeing. 

I would be immensely appreciative of any help the Consumer Financial Protection Bureau can afford me in this matter and look forward to your response. Thank you! ( Documents attached )
Product: Debt collection

Someone fraudulently used my Comenity Bank Visa card for almost {$400.00} last XXXX, and they wouldn't reverse the charges even though I have a case # with the police, so I stopped making payments because I didn't owe this money. They just called my brother about this debt that I don't owe because someone stole my card #. I have a police report and case number for the fraudulent charges as well as another case # for a home robbery that occurred at the same time. A detective said the cases were likely related and would be rolled into one case. In spite of all this, Comenity bank wouldn't reverse the charges and is now harrassing my brother.
Product: Debt collection

Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. XXXX XXXX  XXXX XXXX is attempting to collect a debt on behalf of FLAGSHIP CREDIT ACCEPT. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only XXXX XXXX  XXXX XXXX responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
Product: Mortgage

My mortgage was transferred, effective XX/XX/XXXX, from XXXX XXXX XXXX to DiTech. 

In accordance with the mortgage transfer instructions, I made a payment direct to DiTech for the payment due on XX/XX/XXXX. Payment was made via check, and was mailed, in accordance with the instructions, to XXXX. XXXX XXXX, XXXX, CA XXXX. As I did not yet have a DiTech statement or an account number I sent a copy of the transfer letter ( from XXXX XXXX XXXX to Ditech ) along with my check. 

Payment was made via check drawn from my XXXX checking account. The check was made payable to " DiTech Financial '', and was cashed by DiTech on XX/XX/XXXX. As I did not have a DiTech account number, I included my previous mortgage service ( XXXX XXXX ) account info on the check, thinking it would simplify the transfer completion. 

The check was for {$2900.00}, slightly more than the {$2800.00} due ; I had indicated on the letter included with the check that the additional {$40.00} was to be applied to the principal balance. 

I 've made 2 phone calls, to no avail, and I 've submitted 2 separate requests via DiTech 's customer service portal. During the phone calls, the customer service representative was absurdly rude and extremely condescending even as I explained I had a copy of the cashed check ... she insisted that DiTech did not cash the check. It 's absolutely egregious that almost XXXX weeks after DiTech cashed my check, my mortgage account has not yet been credited, and DiTech ca n't tell me what they did with my check. 

I 'm well educated ( XXXX ) and have a federal job that requires me to maintain a good credit worthiness rating ; DiTech 's mishandling of the mortgage transfer and inability to credit my mortgage account with a payment made weeks ago is putting my credit rating at risk. Also, end of year tax statements will be inaccurate due to their mis-handling of my payment. 

To make matters worse, as a result of my submitting a request for assistance via DiTech 's customer service portal on-line, I get a form letter that says, in part, that the communication is an attempt to collect a debt, from a debt collector. And, that they will reply in writing within 30 days. Unbelievable!!! Most ridiculous customer service model I 've ever heard of!! 

Put simply, I want the payment I made on XX/XX/XXXX, to be appropriately credited to my mortgage account, effective that day. This seems to me to be a very straight-forward matter ... I made a payment on time, DiTech cashed the check on XX/XX/XXXX and it still ( as of XX/XX/XXXX ) has n't been credited to my mortgage account. 

I have attached a front and back copy of the cashed check ( made payable to DiTech ), as well as a screen shot of my bank statement showing that the payment was drawn from my checking account. These documents have been previously provided to DiTech, as well. 

Please advise/assist. 

XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX - provide order that bears XXXX name. - XXXX XXXX XXXX attach the schedule stating this debt is secured or unsecured? 
XXXX XXXX XXXX - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. XXXX XXXX XXXX did not communicate with the attorney of record. 

XXXX stated : Please allow this letter to serve as XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to the complaint submitted to your office by XXXX XXXX XXXX ( the " Complaint '' ). XXXX is committed to customer service and we hope that this response addresses the concerns raised in the Complaint. 

In the Complaint, XXXX XXXX states that XXXX 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that XXXX has not confirmed how a lien remains on the property. XXXX will address each statement below. 

First, XXXX is unclear as to which documents XXXX XXXX is referring. XXXX 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, XXXX 's records indicate that the account was due for the installment payment for the month of XXXX XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XXXX and XXXX 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XXXX and a " trans date '' [ transfer date ] in XXXX, which is the year that XXXX obtained the right to collect payments on the account. XXXX hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. 

Finally, XXXX XXXX states that XXXX has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. Otherwise, XXXX is unable to advise as to the legal reasons underlying the denial of this motion. 

XXXX hopes that this response was helpful. If XXXX XXXX has any further questions or desires any clarification concerning this response, she should not hesitate to contact XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of items being reported on my credit report by XXXX, XXXX and Experian. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages
Product: Student loan

I started off with a fixed XXXX to XXXX interest rate on my private loans. Over the last several years they have raised that interest to XXXX and XXXX. 

Additionally, more than XXXX % of my payments go to interest and hardly makes a dent on the principal. 

Ive paid off two smaller loans totalling $ XXXX. And managed to hit just $ XXXX which hasnt moved for several months because of how navient chooses to disperse my payment on interest versus principal. 

My payments to navient have varied from {$590.00} down to {$490.00} a month. 

Thats easily $ XXXX a year that I pay out of a $ XXXX salary. 

Thank you for your attention. I hope to hear from you soon.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX.2017. A wire transfer was made in the amount of {$55000.00} to a vendor in XXXX XXXX known by us ( Company ) for many years. Correspondence continued  back and forth until transfer was made. When vendor did not confirm receipt of funds, we discovered that we had been defrauded and that the long email address was missing one letter. 

Our bank was contacted as soon as we realized what happened and asked them to recall the wire. However, our bank uses XXXX XXXX as the intermediary bank for international wires and the receiving bank was XXXX. Despite numerous telephone calls, emails and police reports, neither our bank, Santander or XXXX XXXX responded to us as of today. We were told that XXXX XXXX " attempted '' to communicate with XXXX to recover the funds, but XXXX has not responded at all. 

We are an extremely small company and the possibility of someone intercepting our emails and knowing that we are making international wire transfers is highly unlikely. We believe that either Santander and XXXX XXXX data has been compromised or that someone in these organizations is selling the information to a fraudulent entity. There is no indication that either of these 2 organizations have done anything to stop this from happening to other companies. As far as XXXX, we believe that they are harboring fraudulent entities in their countries because they had all of the information of the " person '' who received this wire, however, they have done absolutely nothing.
Product: Credit reporting or other personal consumer reports

I write a letter to TransUnion and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with their Agency for the purpose of filing a complaint with their agency.
Product: Credit reporting or other personal consumer reports

I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over XXXX inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting XXXX Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House stating that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME DEPRESSED STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore exists.

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

I desperately need someone's help with getting the foreclosure auction on my mom 's home stopped!! I've been working for months to try and get the mortgage lender to approve a short sale. I have submitted every document required for the process, my mother 's death certificate, short sale application, an offer, probate documents, everything! And they refuse to review it. I do not want there to be a foreclosure on the public record, it is against what my mother would have wanted. I have tried to get someone to work with me to review the information that I have submitted and no one wants to assist me. The house is not worth nearly what Champion mortgage believes to be the value, and it is certainly not worth enough to pay off the loan in full. The home is dilapidated and the company is taking a huge risk going to auction because they will not get nearly what they are looking for. 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 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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

As a consumer my rights has been violated multiple times by these credit bureaus and corporations. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach.
Product: Student loan

In 2006 I graduated from XXXX XXXX, run by XXXX, who is now being sued in a class action lawsuit for misconduct. I ended up with around {$60000.00} in Private Loans with Navient ( plus double that amount in Federal Loans ). 

Navient jacked up my interest rates as soon as I graduated, and there would have been absolutely no way for me to ever make a dent in these loans which had interest rates around XXXX  % and higher. My parents ended up having to refinance their house, even though it was a hardship for them, to pay off my Navient Loans, otherwise I would be drowning in debt for the rest of my life. My parents still owe a lot of money on their mortgage because of this, and it has made life difficult. Even though my loans are paid off, I feel as though Navient should be responsible for reimbursing my loans so that I can pay off the debt my parents took on for me. 

XXXX XXXX, XXXX, and Navient all played a part in raking us  students for everything we had, and lying to us about everything! They should be held responsible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with Nelnet directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue Nelnet. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Product: Credit reporting or other personal consumer reports

I reach out to Equifax and asked them numerous times to remove this XXXX  loan account that does not belong to me and they have made no attempt to do so. They continuously over the years keep resulting their investigation as it being accurate. I have provided to them documentation that the other bureaus have removed this information from my report due to the incorrect reporting and fraudulent information and they have still refused to comply to remove this information from my account. Now they have allowed this company XXXX XXXX  to report this account as a collection and dropped my score XXXX points. 

I have disputed this information so many times and I dont understand why it is still so hard for them to validate that this account is not mine. I provided police report, XXXX statements and every thing I can possible do as an identity theft victim and I am still being penalized.