23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Friday, XX/XX/2018 I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is XXXX XXXX XXXX. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
Product: Student loan

Creditor Information WELLS FARGO EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XX/XX/2007 {$10000.00} My loan was supposed to be transferred and refinanced with another company. The name of the lender and the lenders have changed several times over the years. I believe I am being double billed. When I contact Wells Fargo they will only tell me they are researching things. They continue to report several different balances and opening dates on my credit report and now they are reporting a charge off. I only had one account with them. Now I suddenly have 3 accounts.
Product: Debt collection

Collector said I owed a debt from XX/XX/2013 that does not ring a bell. I said sorry I can't pay. Im Not working and having financial problems. They keep harassing family members.
Product: Student loan

In XX/XX/XXXX, I mailed my School Misconduct Application to Navient, which included an original DVD from XXXX, as evidence. On XX/XX/XXXX, Navient mailed the DVD back to me with a sticky note " unable to print '' on the case. I called Navient to ask why this piece of evidence could not be used as part of my application and they said to send in a USB. I sent them a USB as requested and never heard if they received it or not. On XX/XX/XXXX Navient received my XXXX XXXX XXXX, per their website. XX/XX/XXXX I was told all three of my loans related to my application were denied. The denial was vague with no explanation as to why it was denied. My application was specific with answers related to the for-profit school, XXXX, which I attended from XXXX. I sent in specific articles and court documents related to why XXXX was considered a for-profit school. Then my DVD I sent in would be considered physical evidence with misleading information from XXXX. I am asking you to please help me get the exact information about why Navient denied my application. I did apply for the XXXX XXXX discharge and am considered POST CLASS per the XXXX XXXX XXXX  email I received XX/XX/XXXX. My XXXX XXXX application number is XXXX. My federal loans were XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, First investors received a check totaling {$16000.00} for my XXXX XXXX XXXX XXXX that was totaled. The Market Value of the vehicle was actually lower than the processed check amount. I Spoke with a representative who stated that a vehicle valuation was needed to consider the vehicle paid off. XXXX XXXX XXXX XXXX XXXX  has tried to send over the report to XXXX XXXX XXXX as requested from first investors, but neither email seems to work. I am attaching the files requested to the complaint in hopes that first investors get this resolved immediately and updated on my credit report as paid in full as they stated they would via phone call.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Selene Finance LP is the current loan servicer for my HELOC loan converted to a interest and principal loan in XX/XX/XXXX. In XXXX I received a notification that the ownership of this loan had been transferred from XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX with Selene Finance as the servicer. I never received any correspondence, i.e. welcome letter, account statement, etc. from Selene. After numerous phone conversations with Selene 's representatives I was finally able to obtain the amount of my XXXX interest and principal payment and it was drafted over the phone by XXXX for {$1500.00} ( confirmation number XXXX ). This was deducted from my checking account on XX/XX/XXXX. I have since received two collection calls regarding my " past due account '' because this payment is " in suspense '' and has never been applied to my account. I called XX/XX/XXXX to obtain the amount of my XXXX payment and was told by XXXX it would be {$2100.00} due to the 59 days accrued interest for the " missed '' XXXX payment. I explained I had been told the funds were " in suspense '' three weeks ago and it was to have been rectified. He said he would have a supervisor correct it and call me with the correct payment amount. After not receiving a call back, today I spoke with XXXX who said the amount still had not been applied to my loan and I should pay the 59 days in accrued interest and the XXXX payment ( {$2100.00} ) and it would be " sorted out '' by my next payment. I refused, he then checked with a Manager and said to pay just the 59 days in incorrectly accrued interest instead. Again I refused, if I paid that amount I would still owe the principal and interest for XXXX. He couldn't grasp the concept but I paid {$1500.00} over his protests ( confirmation number XXXX ). I asked again to have a supervisor contact me ( they are unavailable ) and he said he would make a note. He informed me they were waiving the phone payment charge of {$12.00} and I asked how was I supposed to pay since they didn't have a dollar amount for me to send a check and I can't access my account online. He had nothing to say. I am very displeased with the way my account is being handled and the failure to have a manager or supervisor contact me per my request.
Product: Mortgage

On XX/XX/XXXX I sent a secure note to Mr Cooper requesting a copy of my original loan agreement again. They said I would hear back within XXXX business days. No response. Tried again on XX/XX/XXXX. They said would be in touch with me soon. XX/XX/XXXX messaged again. Same response as before. I called at the end of XXXX. I was told they could not find my documents and would have to send to another department to assist me. They said they would call or mail me when resolved. I have not heard back. In XX/XX/XXXX did a chat with a rep. He stated he too could not find my documents but " assured me '' I would get a notice along with my documentation. At this point I am POSITIVE we do not owe them money and they are just taking our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage on my home that includes escrow payments for taxes and insurance with Wells Fargo ( WF ). I pay my mortgage a month ahead to avoid any inconvenience. However, WF is supposed to pay my insurance. It stated that the necessary amount was paid on XX/XX/year>. It is 2 days before the past due for my insurance. After that, I received a letter from the insurance that they did not receive payment and that they would cancel insurance on XX/XX/year> if they did not receive the payment. I called both insurance and WF. WF said they send a check and they will only consider an action after 30 days. This means that my insurance could be canceled with a great probability. They rejected any discussions of any other solution. I paid my insurance myself. The insurance promised to reimburse me if they received the check from WF.

I don't know what is going on in WF. I don't think they care if they can hurt their clients. It was supposed to be taken care of without me being involved. Because it was supposed to be a transaction between WF and insurance without me. But I had to be involved and had to find money to pay again for something that I partially paid already and was threatened with losing my insurance. I think WF 's actions violated the agreement.
Product: Vehicle loan or lease

On XX/XX/2023, I executed a vehicle lease buyout through Innovative Funding Services DBA Tresl. On XX/XX/XXXX, I notified my finance advisor that the loan documents incorrectly charged me sales tax and original leasees in Maryland do not have to pay additional sales/excise tax on lease buyouts. Even after providing the statutory language, the advisor disagreed. I also pointed out at this time that the lease documents charged me a new registration fee of {$290.00} when I would in fact be keeping the current tags and registration. In XX/XX/2023, after I still had not received a new title in the mail and several phone calls, I was told that I would be refunded if the MVA did not charge Tresl once they finally submitted my title paperwork. In XX/XX/2023, I resumed emailing about the sales tax and registration fees after the MVA confirmed that Tresl had finally submitted my title transfer, two months after my loan was executed. Tresl continued to state that I was not owed any refunds. I then went back to the MVA, who has refunded me the sales tax, which was incorrectly billed because Tresl did not submit the appropriate forms at the time of titling, and MVA informed me that the refund for the {$290.00} registration fee must come from Tresl because the state never charged them for new registration. Tresl has shared the new title with tag transfer XXXX receipt confirming that they were never billed {$290.00} for new registration. Since XXXX, my calls to Tresl and my title specialist go straight to voicemail. They also no longer respond to my emails.
Product: Credit card

Synchrony closed all my consumer credit accounts on the same day XX/XX/year>, eliminating over $ XXXX in available credit line for no reason and the explanation provided in letters stated some internal reason about risk. This is completely unacceptable! I have had some of these accounts established for over 15Yrs! This was some computer algorithm generating account closures with no review or understanding of impact on my credit file. Loosing this amount of avialble credit along with accounts that had substantial age has negatively impacted my credit score and has made a major impact on my buying power as a consumer. The termination of my Care Credit account has impacted my families health as this card was use to help offset medical procedure expenses and we have now had to delay two planned procedures due to the loss of the $ XXXX in available credit line. As a consumer my purchasing power has been severely impacted due to the sheer trade accounts financing managed by this company. All these accounts also had SCRA protections, that I will not qualify for on a new trade account if reopened with the creditor as the customer service rep suggested on there chat service, multiple chat reps told me to just re-apply for the accounts, they should be approved as this happens all the time??? 

The following accounts were closed although I have no history of missed payments, have not exceeded the credit lines, typically pay more than the minimum due, and on several of these accounts received credit line increases just weeks before they were closed without notice or reason : Ashley Furniture ( $ XXXX credit Limit ), Lowe 's ( $ XXXX Limit ), XXXX XXXX XXXX ( $ XXXX ), Care Credit $ XXXX Limit ), Dicks Sporting Goods ( $ XXXX ), PayPal MasterCard ( $ XXXX Limit ), Sam 's Club Mastercard ( $ XXXX Limit ), Amazon ( $ XXXX Limit ), Discount Tires ( $ XXXX Limit ). The accounts were all current, with impeccable payment/usage history and none of them were over 50 % utilization! 

This was a blanket action due to some perceived internal risk caused by my accounts. No credit report info was provided on the letters so I assume my credit file was not even a factor in this action. I don't know because I can not get a straight answer from the creditor on the real reason the accounts were closed. I have a ill feeling they were closed because they had SCRA protection on them with a lower APR than I would be able to received on a new line of credit opened with them today... 


I have provided one account number for my Lowe 's account. I can provide additional account numbers but your system would only allow one. I do not want to open separate complaints for each account as all of them are managed by the same company, which should be looked into also, this is a lot of stores and brands represented by this one company who took adverse action against me for no reason across all the the brands they represent! Severely impacting me as a consumer. One bank should not be allowed to represent this many store brands if they can treat consumers like this!
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a collection on my credit report XXXX Transunion, XXXX XXXX  XXXX for a loan I did not take out. XXXX XXXX XXXX is a company that is reporting me delinquent for a loan I DID NOT take out from a company called the " the XXXX XXXX ''. Transunion has determined that the debt is valid. I'm saying it is not valid. I have tons of collection items -- -this is not one of them. This debt does not belong to me.
Product: Checking or savings account

I opened a XXXX Checking account with HSBC Friday, XX/XX/2020 following their promotional offer on their website. The offer goes as follows : XXXX HSBC XXXX WELCOME DEPOSIT CHECKING OFFER 1 HSBC XXXX {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC XXXX {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC XXXX checking account from XX/XX/2020 through and including XX/XX/2020 ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC XXXX checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC XXXX checking account from third parties at least once per calendar month ******************************************************************************************* I have met all the requirements from top to bottom. It has been 7 months since the opening of my account. I have reach out to them on several occasions and each time they either ignored my email or said that they would investigate the case. In the last email, I told them Id file a complaint if they did not act to the promotional offer. Then, they got back and said that I was not eligible to receive the promotion. They claim that I did not open the account through their webpage and I must prove the otherwise in order to receive the promotional payment! The promotional offer was the ONLY reason why I opened this account, and, of course, trusting the HSBC, keeping any kind of proof ( whatever that means ) never crossed my mind. I have never heard of such an absurd and unfair case where I have to prove that I used their website. How else could I have opened the account? I have a PhD in Finance from an XXXX XXXX XXXX, and the HSBC should not think that their customers are XXXX. Instead, they should treat their customers with some dignity!
Product: Mortgage

The NewRez mortgage servicing company that I used to use with my XXXX  ex-husband is sending me emails about his current loan and refuses to take my email address off of his account. I know his name, phone, current address and social but apparently thats not good enough to remove my email address since I obviously dont have his new loan number. I have no desire to start communicating with him to fix his problem & its incredibly upsetting for me to see my XXXX  name unexpectedly in my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of indentity theft in XXXX of 2017. Someone has made several attempts to obtain credit in my name. I reported this to Transunion and they refuse to assist me in getting these hard inquires removed from my credit report and it is effecting me negatively as I am in the process of trying to buy my 1st home.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 credit bureaus must validate these ACCOUNTS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00}. 
XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX : {$17000.00}
Product: Credit card or prepaid card

My Discover card carried a credit limit of XXXX. I made a purchase and never received the items. I disputed the transaction and received a temporary credit. On XXXX the vendor resubmitted the charge to my account for XXXX. I never missed a payment, and payed XXXX on my account on XXXX. On XX/XX/2022 my account spending limit was reduced to XXXX.
Product: Credit card

I have been with Best Buy credit card for a couple years now. I have recently notice that on the last statement I have a charge from XXXX XXXX. I was going to dispute the charge on the best buy credit card site but the option was not availible. I went back each statement and noticed I 've been charge a fee every month. I 'm starting to wondering if this has the the case since I 've had the credit card. This really makes me want to pay off my card and never do business with Best Buy again. I have never signed up for this service nor would I ever want this. I will only stick to my local credit card provided by my credit union. 

The fee is on my statementsXXXX of 2014
Product: Prepaid card

Someone gifted the card to me, brand new and sealed 3 months ago. I have been trying to activate it and the website and automated phone system says they can not find the account using the account number provided which is on the front of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX