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

I have forwarded all information to Bridgcrest regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.
Product: Student loan

I submitted the appropriate documents to Mohela to recertify my employment as a qualifying institution. I received a letter from Mohela dated XX/XX/XXXX, but my employment is updated through XX/XX/XXXX not XX/XX/XXXX leaving my qualifying payments NOT updated. I have reached out to Mohela without a resolution. I simply want my qualifying payments updated correctly through the date of the recertification documents.
Product: Checking or savings account

My husband and I have our paychecks deposited to our Capital One checking accounts. I receive mine on Wednesdays and my husband received his on Thursdays. However, this week we did not receive our deposits on XX/XX/XXXX & XX/XX/XXXX and could not cancel through our payroll companies as Capital One has received/accepted the deposit. There is no time frame for when we may receive our deposit and this will put us behind and force us to accrue late fees for our HOA, car payment, and mortgage as XX/XX/XXXX was the day everything is due with the holiday on XX/XX/XXXX.
Product: Debt collection

After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports. 

Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days. 

So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021. 

The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX  and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.
Product: Mortgage

Obtained a Home Loan and gave a Mortgage to XXXX XXXX XXXX as nominee for Quicken Loans, XXXX on XXXX XXXX, XXXX. The servicing of this loan was turned over to XXXX. On XXXX XXXX, XXXX I refinanced my loan with XXXX XXXX Bank and it wired the payment to XXXX on the same day. However, no Mortgage discharge was prepared or filed. Quicken Loans said they ca n't provide a Discharge. XXXX ca n't provide a Discharge and XXXX is not in business. XXXX is servicing XXXX loans that are still active, but are unable to provide discharges for loans that were paid off in XXXX. 
My wife and I sold the home on land contract and the purchasers are ready to pay off the contract and close on the purchase, but title work requires a Discharge be filed on the Quicken Mortgage. 
Since the Quicken Mortgage was never assigned, it should provide the Discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, XXXX XXXX XXXX XXXX is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in TransUnion, XXXX and XXXX respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. XXXX XXXX XXXX XXXX also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. XXXX XXXX XXXX XXXX also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by XXXX XXXX XXXX XXXX show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to XXXX XXXX XXXX XXXX REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and XXXX XXXX XXXX XXXX needs to be held accountable for this improper tactics.
Product: Credit reporting or other personal consumer reports

Trans Union keeps reporting information which should no longer be showing on my report. XXXX or XXXX shouldnt be showing. I didnt have a remaining service bill with this company. I also returned all of their equipment and Im wandering why a debt of {$140.00} is showing on my Trans Union report. I havent used this service in over XXXX XXXX to XXXX  years. Trans Union also keeps report some debt for a credit card I dont ever recall having or securing in XXXX. I didnt create any debt in XXXX. The debt keeps fluctuating between {$14000.00} to just shy of {$2000.00}. They keep claiming when I dispute it they have investigated. Im not sure what information they are being provided. Is there a card number I can reference?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a home, and I realized I have damages on my credit report. According to the 15 U.S.C 1681 Law, there should not be any damages on my credit report. It is a defamation to my character.
Product: Payday loan, title loan, or personal loan

I feel Advance Financial based out of XXXX Tennessee practices predatory lending practices.The rates they charge to consumers I feel in some states .I am in the state of Virginia making their borrowers impossible to repay back the loan.The company wont even allow you to pay back what you owe.Example loan taken out for XXXX.Balance should be about XXXX if you account normal lending practices for rates.They tell you your payoff is XXXXAlso They take out unauthorized ACHs out of your account for any amount with out providing dates or amounts to the consumer after being told that they would not take out any ACH payments.Not notifying their clients by any type of letter.Causing extra fees.This finacial institution falsely advertised fixed payments however in turn makes the interest rate so high if your a day late to make it impossible to pay back the loan even if you wanted to pay back what you owe.They prey  into people who are in informed with lending practices and fall on hard times and peoples desperation.They need to be monitored as to what they are charging people and unauthorized debits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Tried to dig up an account from more than 2 years ago and re-open, one that was settled and then put as a brand new mark on my credit.
Product: Debt collection

The collector repeatedly called and when asked to provide proof of debt, refused to provide it.
Product: Credit reporting or other personal consumer reports

My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is highly concerning and has been causing me significant stress and XXXX. I urge you to carefully review this matter, as this complaint is not made in error.
Product: Credit card or prepaid card

On XX/XX/2023, Saturday, I applied the American Express Gold Card online. And when submitting the application, the American Express application system show a notification to me, that I am not eligible to get the welcome offer ( XXXX XXXX XXXX {$200.00} credit after spending {$6000.00} in the first 6 months. ). The notification mentioned that I could still submit the application but the welcome offer might not be gotten approved and applied to my new account. Somehow, I submitted my application mistakenly. And I worried that I can't get the welcome. So, I called the American Express application department immediately and wished they could cancel this application in time. I asked the agent if she could help me cancel the application. And she said she could. However, she also told me that the welcome offer is in my application. And right now, the application is under review. She told me that I could get the welcome offer and asked me if I would like to continue or just cancel this application. With getting the welcome offer, obviously, I am willing to open the card. So, I just told her " fine, I changed my mind, I won't cancel this application. '' and she did the review and told me that my application was approved. 

However, after opening the card, when checking the welcome offer with agent, they told me that it is not in my account due to I am not eligible to get that. I submitted the claim immediately explaining what I underwent. As the result, American Express back department mentioned that they know " the agent over the phone has provided you with the wrong information ''. However, I still won't get the welcome offer. As a customer, I was deceived. This is unaccepted!
Product: Checking or savings account

I bank with Truist and I had used the cash reserve that they offer with my checking account & I went in to pay the amount due ( {$38.00} ) on XXXX. I got an email confirmation stating that I would only be charged the {$38.00} with the pending date of XXXX. 

I then went back into my account to continue paying other bills & noticed that they took out {$600.00}. This caused my account to be in the negative over XXXX XXXX 

I immediately called the fraud/dispute number for the bank and they told me that since it was a payment to Trusit directly there was nothing they could do so I would have to call the customer care line. 

Once I hung up with them I had to wait a few minutes to call customer care since they did not open until XXXX and it was currently XXXX am. on XXXX. 

Once I was able to call customer care around XXXX on XXXX, I spoke with someone and they kept putting me on hold over and over again. I ended up on the phone ( mostly on hold ) for about XXXX mins. He proceeded to tell me there was nothing he could do for me until the charge has posted to my account. Then told me that any overdraft fees I would incur I would have to pay them. 

So at XXXX on XXXX I went to my local branch to see what I could get done there. 
The lady that helped me there was not able to help so she called someone who trasfered her to the customer care line. Finally got someone then and they looked into my account and looked at all my information and then told me that he could not do anything for me, not even reverse the charge because the payment had already posted to my account. He then asked me if I was about to put the XXXX back into my account out of my own money so that i would not be in the negative. I told him no because i had just gotten paid this morning and i only got paid XXXX and they took out XXXX. 


This is also causing me issues to pay my bills & may cause my {$400.00} car payment that i paid this morning to bounce. 


He then told me there was nothing else he could do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} XXXX XXXX {$720.00}
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. Experian has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, Experian continues to ignore the law. In addition experian was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet experian continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, experian continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.
Product: Student loan

I am very very very concerned with HESSA and the XXXX arrangement with private school loan lending. I have been unfortunately misled into believing my loan was a government backed loan via its association to federal and state officers. I believe that this is grounds for a class action suit against the XXXX for its misleading of the loan buyers via its various marketing materials.
Product: Checking or savings account

I am filling a complaint with CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposit. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raise concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my right are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened the following credit card accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them
Product: Debt collection

This account was paid and settle with the original creditor ( XXXX ) for deletion. Source Receivable Management refuses to Verify and Validate as required by law. I asked them for their license to collect in the state of Maryland, amount owed, breakdown of fees, original signatures, date of original delinquency, and name and address on file, to validate the debt and their right to collect debt on behalf of XXXX, as required under the Fair Debt Collection Practices Act, 15 1692g Sec. 809 ( 8 ).
Product: Debt collection

Commonwealth Finance bought old debt from XXXX XXXX XXXX XXXX XXXX and now has re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer.
Product: Credit reporting or other personal consumer reports

In XXXX & XXXX of XXXX I called Experian several times to correct my name, address, and employment. The customer service reps gave me a hard time. I was told I couldnt change my own information. Very rude people working at Experian. My acct is locked due to someone stealing my social security info during the pandemic. Every time I called I went through high risk and passed. It shouldnt been an issue. They kept transferring me around to different reps. By law I have rights to make sure my personal information listed on the 3 credit agencies are correct, so that my information wont end up in someone elses hands. Especially all the different addresses thats listed. Important information can go to the addresses thats listed. No one should be treated how I was treated. 

XXXX XXXX XXXX was very nice. Once I passed high risk they stated they would submit the changes. The only issue I have is they didnt correct the changes I asked.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan which interest rate is outrageous and can not afford to pay due to unemployed. 
They call me uncountable times a day, every day for months, and they also called my landlord and my previous workplaces. 
It's a harassment!
Product: Student loan

On XX/XX/XXXX  I sent Nelnet Inc an endorsed registered security. It was signed by XXXX XXXX or XXXX on XX/XX/2023. This was addressed to the confirmed Chief Financial Officer XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. On XX/XX/2023 I called nelnet to confirm the receipt of said security. I was told by the first representative that I needed to wait more time and to give it until XX/XX/XXXX for it to be scanned in the system and be processed. On XX/XX/XXXX I called again and spoke with a representative who said they would escalate my call to the XXXX XXXX  as they were unable to tell me what a registered security was, the XXXX agent XXXX she informed me that the processes were backed up, and that, yes, indeed it takes two days to process a security, and that it still had not been scanned in the system, and was waiting on that as well. Today on XX/XX/2023 I called again and after waiting on hold for 2 1/2 hours I was able to speak with someone in XXXX  named XXXX. XXXX informed me that they do not accept securities as a form of payment, and that I sent the payment to the wrong address, XXXX then sent me to a supervisor after my request and the supervisor I spoke to you was named XXXX. XXXX then said that securities are in unacceptable form of payment and one I asked if they in fact received my registered security number XXXX XXXX XXXX  was not received, and that they in fact had not received anything from me at all in XXXX. I then clarified that XXXX XXXX XXXX XXXX is the CFO of the company and also that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX was in fact the corporate address.
Product: Debt collection

I have never recieved service from XXXX. The phone was returned to company. XXXX was never activated. So this is a fraudulant attemp to collect a debt that doesnt exsist.
Product: Checking or savings account

On XX/XX/2023, I ordered a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, Proof, from Amazon. I was expecting it to be delivered on XX/XX/2023, at XXXX XXXX. Unfortunately, the item was delivered a day late, on XX/XX/XXXX, and it was delivered to the wrong address. I contacted Amazon immediately on XX/XX/2023, and I spoke to an agent named XXXX. He confirmed that he had requested a refund to my original payment method, and I should receive the refund within XXXX business days for credit cards or XXXX business days for debit cards. However, I did not receive the refund after 10 days. Despite contacting Amazon in good faith, I had to file a chargeback on XX/XX/2023. On XX/XX/2023, Chase reversed my chargeback claim. I contacted Amazon again on XX/XX/2023, and spoke to an agent named XXXX. She informed me that my bank, Chase, had declined the refund of {$110.00}. I need help in getting this refund.
Product: Credit reporting or other personal consumer reports

ON OR ABOUT XX/XX/, XXXX XXXX XXXX REQUESTED A HARD INQUIRY AGAINST MY CREDIT SCORE. HOWEVER, I HAD NOT REQUESTED ANY ADDITIONAL CREDIT FROM THEM NOR HAD I MADE ANY REQUEST AT ALL. I HAVE CONTACTED THEM TO TRY TO RESOLVE THIS BUT THEY DO NOT KNOW WHY THE INQUIRY WAS PERFORMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.
Product: Student loan

I have multiple private loans with Navient. I was continually fed false information on my repayment options. I was able to get in touch wit h one r epresentative who told me the correct repayment options available to me. I am currently in school full time and have a in-school deferment for all my loans, even the private loans through Navient. I made a " catch up '' payment  in  XX/XX/XXXX . The in-school deferment was recommended to me by the Navient representative in XX/XX/XXXX . I became a full time student in  XX/XX/XXXX . I began recieving 4-10 phones calls Monday - Friday, from Navient, starting in  XX/XX/XXXX . Navi ent uses multiple numbers and only leaves one message per day, despite the numerous phone calls.