23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a couple of items through Conns Home Plus and since has been a nightmare. I fell behind midway through the loan and had contacted them for additional help which they refused. After they refused on an average I have been getting 7 to 8 calls a day including weekends and many are hang ups. When I do take the calls they continue to harass me, belittle me, interrogate me, and refused to work with me until recently. Last week around XXXX/XXXX/16 they contacted me and offered to defer payments toward the end of my contract if I paid {$180.00} which I did. Each day since I get multiple calls claiming that I still owe and that their rep was mistaken and should not have offered such a deal. I asked them to listen to recording as they said they have on file but instead they are calling me a liar, and continued to try and push me. I eventually terminated the call. I know of several people that have experienced the same treatment and enough is enough. I am XXXX, not sleeping, not eating, and feel sick to my stomach over it all. What does a company feel that they need to mislead consumers into paying additional money that I said I did n't have and get away with not honoring the agreement once they take my money? I am aware that I owe the money and have spoken with them several times and apologized and explained that they would get their money and I still get this outrageous, unprofessional, unethical treatment. They tell me that they will report this information to the credit reporting agencies if I do not continue the plan even after they refuse to honor my restructure that they offered. They also are charging additional fees on payments which was not explained of agreed too. If you listen to recording of my calls you will see that I have been professional, willing to pay, and appreciative of the products. I have guaranteed payment and explained that it would get paid once I receive my funds. Instead, they pushed me into paying more than what I could afford on a deal they structured then failed to honor their own plan. Why will my credit be affected when they failed to honor what we all agreed. Please have them provide you with copies of my calls and listen for yourself. I would start with XXXX/XXXX/16 through today. I have contacted an attorney locally and he said to start with you. Please help me resolve this matter and put a stop to the madness. I am begging you to help me stop them from further harassment.
Product: Credit card or prepaid card

After reviewing my account history, I have found that I made on-time automatically scheduled payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It appears that the preset payment amounts I submitted through my online bill pay were not sufficient to cover the bill at the time ; however, I never received - to the best of my recollection - any correspondence written or via telephone or email indicating that I was overdue on the bill and owed an additional amount.

In the most recent incident I paid {$6.00} less than the total bill ( sending {$120.00} for my payment on a bill of - apparently - {$120.00} ) yet was charged nearly {$40.00} as a fee.
Product: Payday loan, title loan, personal loan, or advance loan

I originally made a personal loan with XXXX by XXXX XXXX. Around XX/XX/XXXX this account was transferred to SST ( SYSTEMS & SERVICES TECHNOLOGIES. ING., by Alorica ) and I was told all the terms would remain the same. One of the terms was a payment reward where I can skip a payment interest free after every 12 on time payments. After making payments from XX/XX/XXXX - XX/XX/XXXX I became eligible for this benefit and contacted SST twice to use this ( XX/XX/XXXX and XX/XX/XXXX ). I was told the award was processed successfully and my XX/XX/XXXX payment would be skipped. The account statement from XX/XX/XXXX shows this same ( attached ) with the next payment due XX/XX/XXXX. To my surprise SST illegally and without authorization withdrew from the normal payment amount of {$700.00} on or around XX/XX/XXXX causing my account to go into overdraft and additional fees to be charged by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

No action has been done I have sent in letters for months trying get this resolved. Its always coming back verified. I have never got a letter just a statement which isnt the right paperwork of debt of validation
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : XXXX XXXX XXXXXXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

On XX/XX/XXXX I opened an account with XXXX. The Account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit report, Stating that this account got sent to collections. However I wasnt never notified about this debt and never received the bill. I would like to address this Immediately and either pay off the debt or get this negative remark removed from my report.
Product: Debt collection

I received a letter from Progressive Management Systems ( PMS ) stating that a debt from XXXX XXXX was given to them for my account on XX/XX/XXXX. The balance was {$970.00}, and I paid {$240.00} on XX/XX/XXXX. I have had no further communication from them since, but have seen them on my credit report. On XX/XX/XXXX I mailed a {$30.00} money order and requested an itemized list of the debt because it is much higher than I remember owing XXXX. I had called and emailed XXXX in early XX/XX/XXXX and they told me that they, XXXX, no longer has the itemized list of the debt, but the debt collector, PMS would. So along with my money order I mailed on the XXXX of XX/XX/XXXX I included a note requesting that I get an itemized list of my debt by XX/XX/XXXX. It is XX/XX/XXXX and I haven't received anything from them, and find it hard to believe that they would wait until the last minute to supply this information to me when a week after I mailed the payment I checked the online account for PMS and saw that the {$30.00} was deposited and they had charged a 10 % interest rate as well.
Product: Checking or savings account

Bank of America charged an overdraft fee on my joint checking account when it clearly stated in our account ( shown in their mobile app and in the online statement that appears when logging in to their desktop website ) that there was a positive balance in the account at the time the overdraft fee was assessed ( I have a screenshot. ) This is not the first time recently that this has happened and it seems their algorithms have changed recently, within the past couple of months. The B of A customer service rep stated today in a recorded phone call that there are two different systems that the bank uses the system whose dashboard the consumer is directed to when they log in online to their account is not the system used to determine when an overdraft fee is assessed. The consumer dashboard used by the system the mobile app and the B of A website uses is incorrect, erroneous, and misleading and, according to B of A, does not show the true amount of actual balance in a consumers account. The customer service rep I spoke to today refused to refund the overdraft fee and claimed a supervisor was unavailable to speak to me when I repeatedly asked for one.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS HAS CAUSED DAMAGED BEYOND BELIEF. THEY STARTED CALLING ME AROUND XX/XX/year> IN A VERY HARASSING AND RUDE TONE REQUESTING FOR MY SSN WITHOUT GIVING ME ANY INFORMATION ON WHO THEY ARE AND WHAT THEY ARE CALLING ABOUT. BEING A PRUDENT PERSON, I DO NOT PROVIDE MY SSN TO STRANGERS WITHOUT ANY CONTEXT. AFTER MULTIPLE INDEPENDENT ATTEMPTS TO FIGURE OUT WHAT IS HAPPENING ON MY OWN, I FINALLY REALIZED THAT THIS WAS RELATED TO MOVE-OUT FEES THAT I HAD INCURRED 3 YEARS AGO THAT I HAD TALKED TO MY LANDLORD ABOUT BUT THEY NEVER RESPONDED TO MY EMAILS. I HAVE A NEARLY PERFECT XXXX CREDIT SCORE, I HAVE AN EXCELLENT JOB AND HAVE BEEN EMPLOYED A WORKING PROFESSIONAL AND XXXX FOR OVER 10 YEARS AND I AM RESPONSIBLE. I WAS NOT EXPECTING TO BE SENT TO COLLECTIONS AGENCY. ATTACHED IS MY NUMEROUS ATTEMPT TO UNDERSTAND CHARGES FROM MY LANDLORD. MY EMAILS WERE IGNORED. I DECIDED TO PAY THE FEES ON XX/XX/year> ( 3 YEARS AFTER MY EMAILS WERE IGNORED ) WITHOUT KNOWING WHAT THEY WERE JUST SO I CAN SAVE MYSELF SOME TIME AND HEADACHE. I AM IN THE PROCESS OF PURCHASING A HOME AND NEED THE BEST CREDIT SCORE POSSIBLE. THE COLLECTION AGENCY REMOVED THE DEBT FROM MY ACCOUNT IN XX/XX/year>, SEE ATTACHED. IN XX/XX/year> THEY ERRONEOUSLY ADDED THE SAME DEBT THAT I HAD ALREADY PAID FOR BACK TO MY ACCOUNT, RESULTING IN A XXXX POINT DECREASE IN MY CREDIT SCORE!!! THIS CAN COST ME XXXX AND XXXX OF DOLLARS AS I WANT TO GET THE BEST INTEREST RATE THAT I WORKED HARD FOR. I CALLED THE COLLECTION AGENCY ON XX/XX/year> ( PLEASE REQUEST THE RECORDED CONVERSATION ) THE PERSON I SPOKE TO WAS EXTREMELY RUDE AND ON NUMEROUS OCCASIONS SAID " THIS SLIPPED THROUGH THE CRACKS '' SOMETHING WENT WRONG AND THEY MADE A MISTAKE AND CHARGED ME FOR THE SAME DEBT. THEN THEY AGAIN PROCEEDED TO HARRASS ME AND BE EXTREMELY RUDE ON THE PHONE AND DID NOT RESOLVED THE ISSUE THEY SAID THEY NEED TO LOOK INTO IT EVEN AFTER PUTTING ME ON HOLD FOR 5 MINUTES AND EVEN AFTER ALREADY CONFIRMING ON THE PHONE THEY MADE A MISTAKE!!!! I WOULD LIKE TO PRESS CHARGES AGAINST THIS COMPANY.
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 XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my Credit Report. I am writing to dispute the following inquiries and asking for their removal from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Department of Education XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear Department of Education Loan Servicing Center , I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : DEPT OF ED/NELNET XXXX XXXX balance {$850.00} Account Number : DEPT OF ED/NELNET XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 DEPT OF ED/NELNET XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted Nelnet, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the Department of Education Loan Servicing Center to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.
Product: Student loan

Upon my daughters graduation in XXXX, we have accrued over {$100000.00} dollars in student loan debt. All of which are through Navient and XXXX XXXX XXXX for parent plus, and sub & unsubsidized loans. We have tried on multiple occasions to apply for forgiveness or an income based repayment but each time, Navient refuses to help us, stating that we make too much and the best they can do is refer us to forbearance which we all know just increases the interest and makes our monthly payment more impossible to pay. We are now trying to pay over {$700.00} a month on these loans and we were forced to file for deferment yet again! We literally can not get these loans payed off and we do n't have the finances to pay such high interest. We called on XX/XX/XXXX to file for deferment again. When we started repayment In XXXX our monthly payment was XXXX and now 3 years later we are at over {$700.00} a month with multiple deferments and no promise of it changing nor have we received any help!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) THE DOCUMENT NEEDED AND A LETTER FROM AN advocacy group helping me due to XXXX XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am here to challenge information that has been on my account that is inaccurate. At this moment Experian has three different names attached to my consumer account that do not belong to me. Due to potential, identity theft and Experian 's history with data breaches I simply do not benefit from nor do I go by any other variation of my legal name and I am requesting an immediate deletion of this inaccurate information.
Product: Credit reporting or other personal consumer reports

i sent all documents to prove that i am the new owner and contracts to chase to update the account with the new account holder as paid in full they have not responded or updated the account.
Product: Credit card

Discover / XXXX has removed over {$150.00} in cash bonuses to retaliate against end user and claim that transactions are valid FCRA transactions that do not violate regulation E
Product: Credit reporting or other personal consumer reports

I honestly can't believe this is happening. As someone who follows the law, it's incredibly frustrating and insulting to have my rights as a consumer violated like this. There are fraudulent charges on my credit report that I never benefited from, and despite reporting them to the Federal Trade Commission, they still havent been removed. Its causing me so much stress and XXXX.
Product: Mortgage

Yes. The company had sent me out paperwork to fill out for a loan modification and I sent the paperwork back in and then they reviewed it and sent me back a letter saying I was approved and needed me to get XXXX papers notarized and I did that as well but then they said they out of the 4 only two were notarized and I resent them the same copies and each time I overnight this paperwork as the receipts will show but they keep saying I didn't get the paperwork in on time but there was nothing wrong with the paperwork in the first place. So they denied me what they had already approved me for and I've had an financial cut in my income but I should be okay by XXXX. This company has been giving me problems from the day they took over Ocwen and not to mention that my Mortgage payments have went up along with my fixed interest rate. I'm totally XXXX and I want to keep my home. I have worked for this home since I was young as a single mom with XXXX children, I was being lazy depending on XXXX, I worked and I had to raise my kids and it just is frustrating to look back at these papers and see that I purchase this house in XXXX for {$48000.00} and its now XXXX and I still owe more than the purchase price {$50000.00}. I never refinance to my knowledge, I was just a young lady trying to buy my first home and my kids are grown and with their own families and I'm still in great financial debt with this house. I don't even understand how or why. I don't know what went wrong or how could I have been paying for taxes or interest all these years. Please somebody help me that I may help someone else never to be in this position, Thanking you in Advance for your Sincere Time and Concern over my Situation
Product: Debt collection

Case Number : XXXX Credit Card Number : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their handling of a alleged debt collection matter involving myself and American Express National Bank. I have clear evidence in the form of email correspondence, which I will attach for your review. 

On XX/XX/year>, I engaged in an email exchange with XXXX XXXX, the lead associate attorney at XXXX XXXX XXXX, regarding a request I made for a detailed financial statement under penalty of perjury related to the alleged debt in question. In my email, I explicitly requested this information to verify the accuracy of the claims against me and ensure transparency in the debt collection process. 

XXXX XXXX assured me in her response that she would provide the requested financial statement under penalty of perjury. However, to date, I have not received the requested documentation despite multiple follow-up attempts on my part. This failure to provide the promised information raises concerns about the transparency and accuracy of the debt collection process being pursued by XXXX XXXX XXXX on behalf of American Express National Bank. 

I believe that the actions of XXXX XXXX XXXX may constitute a violation of consumer rights and fair debt collection practices. The failure to provide essential documentation as requested has impeded my ability to assess the validity of the claims against me and protect my rights in this matter. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with consumer protection laws and regulations. I have attached copies of the relevant email correspondence for your reference. 

Thank you for your attention to this matter. I look forward to your prompt review and response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, Experian was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the XXXX notices sent out, due to failure of this fiduciary obligation by these entities. 
Experian : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by vendor on a fraud alert with XXXX  and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed immediately.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX