23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out $ XXXX of school loans for a degree. he loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 8 yearsand no one is helping me. 
Its a Federal school loan.. 

I am in financial ruin.. Threats of increasing interest rates from the people at AES. I am being old i now have to agree to pay $ XXXX in additonal interest, to transfer my loan again to another federal program..i owe $ XXXX, not {$130.00} but they say i owe them the money. Its not fair, its not true, I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; * failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current.

* Increasing and decreasing interest rates without communicating with me or letting me know.

* Outrageous interests rates and hiring predatory loan collectors.

* Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest in 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX XXXX
Product: Debt collection

I opened a XXXX XXXX prepaid account and was mailed a XXXX card. The XXXX card did not work and XXXX tech department was unable to assist and I experienced terrible customer service. I never used the service and do not owe XXXX a dime. They referred the account to Convergent who continue to harass me by email and postage mail. I explained this situation twice to Convergent and they continued to contact me. I sent a cease and desist and they continue to contact me for a bill I do not owe.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX XXXXXXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX XXXXXXXX XXXX XXXX was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a XXXX transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXXXXXX XXXX XXXX XXXX. XXXX inaccurately reported a XXXX late to Equifax, XXXX, and XXXX for XX/XX/year>.
Product: Mortgage

Regarding Statebridge Company - My mortgage was sold to Statebridge a few years ago. Since online payments can not be processed without a fee, I have set up automatic payments through XXXX Bill Pay - these payments occur automatically monthly. My XX/XX/2019 payment ( sent on XX/XX/2019 XXXX XXXX EST ) was rejected because, apparently, Statebridge changed their mailing address and they therefore were not able to received my timely payment. This rejection only showed on my XXXX  account on XX/XX/2019 XXXX XXXX EDT.

I received a few phone calls from Statebridge to my home - they called in XX/XX/XXXX to tell me of this error and that they will waive any late fee and will not report to the credit agencies due to their error. In addition - I received a letter stating the same. I subsequently made two payments to Statebridge as my XX/XX/XXXX payment was already due - the payments were sent on XX/XX/2019 XXXX XXXX EDT and they arrived to Statebridge on XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I sent my XX/XX/XXXX payment which arrived XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I received a credit alert stating that I have a " new alert '' - " Missed payment - Statebridge Company ''. My first ever missed payment on my credit report AND I DID NOT MISS ANY PAYMENTS!!!!

I have had many issues in the past with Statebridge but this one is absolutely unacceptable.

I demand the Government take action to shut down this scam company! The reports online are clear evidence that they must be shut down immediately before causing more financial ruin!
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2021, I was approved for an apartment complex. She told me to come by and bring my deposit. I went to XXXX XXXX and got two money orders, one for {$340.00} and the other one for {$480.00}. I went to the apartment complex and filled it out there, the lady gave me copies of the money orders and told me I was good to go. On Tuesday, I called the apartment complex to get further information, like when I could come by and sign the lease, what my apartment number would me, etc. Lady at the apartment complex told me I would have to come by and pick up the money orders because she wouldnt know when the apartment would be available. She then told me that I could either take it t back to XXXX XXXX or to my bank. I tried my bank first and they told me that I would not be able to deposit my own money being it had the apartment complex name on it. I then proceeded to try XXXX XXXX and they told me no as well. Okay called the apartment complex and told them the situation and she said if I wanted to, I could bri g the money orders back and allow up to 10 business days. I told her I would do that, and she stopped responding. Yesterday, XX/XX/2021, I called the apartment complex to figure out what they wanted me to do, XXXX, informed me that she would get back in touch with me and never did. Today, XX/XX/2021, I called the apartment complex again to again figure out what to do. She tells me that I could bring the money orders back and it would take 15 days. I said ok. I called back to see what time they closed and she told me that they were not going to take my money orders back and told me to try to take it back to another XXXX XXXX
Product: Mortgage

I am negotiating a Short Sale and XXXX is my servicer. I have received several offers but they never seem to go through. 
I believe that XXXX is using fraudulent appraisals to make the house appear to be worth more. The house is destroyed without a working heating plant, with no kitchen and no appliances and yet XXXX feels that the house is worth more than houses on my same street that are in move in condition. 
I have attempted to convince them but they are doubling down on their fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has been performing malpratice and is breaking the law Frivolously. it has been a grossly amount of poor performance in handling my investigation with so much negligence that has caused me finaicial injury and harmed me from being able to obtain any credit or auto loan and several other things. Several Laws have been broken Under The Fair Credit Reproting Act made to protect consumers like myself it has been a nightmare trying to get this matter resolved and my Character hasbeen Deframed slandered and ridiculed I am traumatized with this outcome and it has been extremely overwhelming.
Product: Vehicle loan or lease

Hello, My name is XXXX and I need help... 

XXXX XXXX XXXX XXXX : XXXX Start Date:XXXX Initial Balance : {$26000.00} Remaining Balance : {$17000.00} I put a down payment on a truck in XXXX, Within 5 months the engine went out. I went to XXXX dealership, and they say they put a new engine in the vehicle and apparently they didn't. Now not even 2 years later I need another engine on the vehicle. My vehicle doesn't run and I'm stuck paying a car note of XXXX a month. XXXX XXXX in XXXX XXXX IL is now telling me that my warranty has ran out but I already used the warranty 5 months after putting down a down payment. Now I have to file bankruptcy because I cant receive another loan since I already have one with Credit Acceptance. I feel its very unfair that XXXX XXXX are giving people vehicles that barely work and now where stuck and in debt because of it. Is it any way you can look into this situation? I just dont want anyway else to have to go through what I'm currently going through. They need to be shut down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX XXXX XXXX on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified
Product: Debt collection

XXXX XXXX ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2024 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via USPS certified mail on XX/XX/XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX ). 

XXXX sent me a notice dated XX/XX/XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XX/XX/XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XX/XX/XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MERCEDEZ BENZ FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and MERCEDEZ BENZ FINANCIAL with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit card or prepaid card

I had an issue with American Express Serve and Bluebird closing my accounts, they agreed to sent me checks for the remaining balances of {$140.00}. Its been over 50 days and I still havent received the checks. They sent the checks to an old address even after I sent them two letters demanding payment with my new address in the top left hand corner. There customer service phone number is a joke and mailing to a XXXX XXXX is the only option to communicate with them. If this doesnt get resolved I will be filing a Federal Class Action Lawsuit on behalf of all Serve and Bluebird past and current customers
Product: Debt collection

I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a {$800.00} payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hold me without bail ... And say i have committed a felony. They will not provide me with anything in writing and want me to use money gram to transfer or wire the funds. They constantly pose as police officers and/or attorneys or investigators in XXXX XXXX. I have contacted XXXX XXXX court, and none of them are legit. No matter how many times I change my number they harass and leave threatening voicemails for me and my extended family. I feel the Cash Store has sold or shared my information illegally.
Product: Student loan

XXXX XXXX XXXX  Program : I am writing to complain about how I formally requested a review of my XXXX XXXX XXXX application, which has been denied on multiple occasions. Despite fulfilling all the necessary requirements, including working at eligible schools listed under the XXXX XXXX XXXX XXXX, my application has consistently been rejected. I believe there may be an error in the evaluation process and I kindly request clarification and a resolution. 

The following are the details of my case : My employment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is on the list for XXXX XXXX XXXX 
My employment at XXXX of XXXX Ohio from XXXX XX/XX/year>, which is on the list for XXXX XXXX XXXX. 
My employment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is on the list for XXXX XXXX XXXX. 

Despite talking to many Aidvantage team members, reviewing my application, and submitting all required documents and confirming my eligibility with each of the schools, I continue to receive a denial of forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Payday loan, title loan, or personal loan

I had an new hvac system installed in my home in XXXX. The contractor offered financing with XXXX. I was approved and had the work completed. I started making payments right without issue. Fast forward to XXXX of XXXX I received a letter in the mail from XXXX stating they were changing over portals but that as an auto draft client I wouldn't need to do anything. In XXXX I noticed my payment wasn't auto drafted, so I called. I spoke with a representative who advised they were having issues with debit card auto drafts. I made a payment over the phone with her that day and she said I needed to set up a new auto draft with my bank account information. I gave her all the information and was told I would be fine for XXXX. XXXX came and two payments were deducted from my checking account. One went with the debit card and other went with my bank account information. I called XXXX and was advised that they did not see how that happened but that my account was credited for two payments and that I didn't owe anything until XXXX. XXXX came and once again they took two payments. At this point I tried to call XXXX again but the phone lines were down. I sent an email, no one responded. I contacted my bank and opened a investigation and advised them to please block any payments that they try to take. My bank finished the investigation and did show this was an error on XXXX part and refunded me the double payments. I contacted XXXX to try for a resolution. Every time I am told that they do not see any auto draft info. My online profiles have been deleted per my request, all payment info has been deleted per my request. XXXX came and they once again tried to take a payment, which was blocked. Each time this happens they are charging me a XXXX Insufficient funds fee which prompts me to call and have it reversed since none of this is my fault. They have reversed fees but no one can give a resolution. I asked to speak with a manager or supervisor in XXXX but no one called me back. As of today XX/XX/XXXX they have tried to take another payment. I called this morning right at XXXX when they opened, explained the entire situation again. I was advised a manager would call me back. I do not have confidence that I will receive a call back, I do not have confidence that this issue will be handled. I have been told by numerous representatives that I do not owe a payment until XXXX, no one knows why they would even be trying to take a payment. I would really like help with this matter. I have been dealing with this since XXXX, countless hours of hold times, repeating the entire lengthy story and zero resolution.
Product: Debt collection

Hello, my name is XXXX XXXX, and I am writing in regarding deleting the following information from my credit report. The item I need deleted is listed below. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affi-davit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any con-sumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX RE : Navient Solutions are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, Navient Solution does claims they tried to retrieve my last two loans from XXXX XXXX and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : The Dept of Education sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to Navient Solution and finally the TXXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.