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

XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX  now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXX XXXX checking account XXXX XXXX XXXXXXXX XXXX BB & T
Product: Student loan

My total current amount as of XX/XX/XXXX is {$130000.00}. {$63000.00} from Sallie Mae and {$71000.00} from Navient. I was never told that Navient was buying anything from Sallie Mae until I got bills from Navient and had to call a Sallie Mae representative for information. I graduated in XX/XX/XXXX and have been making payments ever since and my loan amount has only increased. I can not afford my payments and they will not work with me to make payments. I was told by customer service representatives to ask people in life for money to pay for it and that it is too bad and to call back when I can make a payment. They are extremely unprofessional and give scarce, if any help with repayment. I have been researching tricks to help pay down loans faster and one is  making extra payments to buy down the loans. I asked Sallie Mae if I can make bi-weekly payments on autopay to pay quicker, they refused. I asked to make payments towards the principle balance only in attempt to buy my loans down quicker and was told I can not, it will go to interest first and even if specified for balance only, they will disregard and put towards interest anyway. I am trying to work with them to make payments, I am not skipping out on my payments. I simply can not afford my debt and would like help with making payments I can afford and they refuse. My interest rates were around 7 % when I first got the loan and now are almost at 11 % on some of them. I was never told how high they would go and given no help on them.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX., my Social Security check for {$1600.00} was deposited into my XXXX account. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX., a company with the name B9 withdrew XXXX transactions. The XXXX for {$490.00}, the XXXX for {$500.00}, and the XXXX for {$440.00} for a total of {$1400.00}. 

XXXX did start an investigation into this matter for me and credited the funds back into my account. At which time the money was again transfered out of my account by the same B9 company. 
The information on my transaction history say the money was taken from : B9 XXXX XXXX XXXXXXXX debit signature purchase from XXXX B9 I have reached out to both XXXX and B9 only to get sorries, run a round, hang ups and even rude remarks. 

I have changed my way of direct deposit to another bank so this wont happen again. This is my only source of income and need this to be rectified asap by either XXXX or B9. 

I did not at anytime ever have a account with the B9 company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do you want to be the " last man standing ''? XX/XX/XXXX andXX/XX/XXXX have deleted the incorrect items, ( sent via XXXX XXXX. This is precedent. If you do not delete the incorrect items on my credit and raise my score accordingly, ( to what it was ), I will be filling a lawsuit against you on XX/XX/XXXX XX/XX/XXXX, naming both Transunion and XXXX XXXX directly. As previously stated, it will be small claims, no lawyers allowed, and Mr. XXXX will have to make an appearance since he will be personally named, and I will sue you for XXXX 


YOU HAD 30 DAYS AND DID NOT INVESTIGATE. PER THE FAIR CREDIT REPORTING ACT YOU MUST DELETE THIS INFORMATION.
Product: Debt collection

Midland Funding aka MCM Midland Credit Management keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from XXXX XXXX from XX/XX/XXXX. This was from a root canal and capping of a tooth that had  to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the XXXX account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, XXXX brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to Midland, but they just would n't do anything. I offered to pay {$30.00} a month to XXXX and to Midland and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.
Product: Bank account or service

I filed a claim against american express because they never returned the funds that were in my account when my account was close, and I continue to file claims but i do not address my issues. My next step will be a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to incorrectly report history on credit reports. This time, XXXX is reporting mortgage payment late for the month of XX/XX/2020. The bill was paid through online bill-pay. The payment was made on XX/XX/2020, via electronic check. 

Upon checking my credit report, I was informed that due to late payments reported by XXXX my ability to qualify for credit was being impacted. The negative information is being reported on all credit bureaus.
Product: Debt collection

Grant Mercantile agency reported to credit bureaus a {$2500.00} outstanding invoice without notifying me that they were going to do so. I was completely unaware the amount was owed and was told " we tried to call you in XXXX ( 2018 ) '' ... a full 8 months before reporting to the credit agencies. I also received nothing in the mail allowing me to dispute the charge ... which I do ...

I asked them if I could dispute the charge but they told me that the ambulance company had turned it over to them and there was nothing I could do. ( they claim they did not pay the ambulance company for the account ) The charge was for {$2500.00} for a 10 minute ride that was un-necessary because it was just for XXXX, however, at the time I was told they had to take her. Clearly XXXX just wanted the money because they had already showed up. Had they told me it was going to be {$2500.00} I never would have allowed them to take her ... but my current complaint is with Grant Mercantile who did not allow me to dispute the charge ... only to claim financial hardship. When I paid in full ... due to being told I " had no choice '' they also refused to take it off my credit ... only to report it as " paid in full '' which is unacceptable and unethical given I was not notified in writing about the attempted collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$8700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX was a victim of identity theft my information was used to open a Discover credit card and I was told by Discover the card was fraudulently used to rent a car using XXXX. After sending Discover a FTC identity theft report Discover responded by saying that the card was connected to XXXX XXXX, which was also not me and was fraudulent yet they blame me for it. Discover is violating my rights and continues to report this account instead of deleting as fraud and removing remarks from my credit. This needs to be removed from my credit immediately. This is frustrating that Im being taken advantage and they continue to REFUSE to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.
Product: Credit reporting

Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

DELETE ADDRESSES XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX GA, XXXX DELETE CREDIT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My  Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX  . )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a complaint to correct inaccurate personal information with the credit reporting agency. As of XX/XX/XXXX the information has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacted multiple times by phone and us mail from a company called portfolio recovery. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with portfolio recovery associates llc 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXXXXXX 3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. portfolio recovery associates llc associates license number 7. portfolio recovery associates proof of ownership
Product: Checking or savings account

I received a notification through pop money on XX/XX/21 @ XXXX that {$200.00} deposit was made to my bank of the west account. I had been watching my account daily that week bc it was low & I knew they hadnt given me the credit for that deposit on Friday. On XX/XX/21 I went into my account to check the balance shortly before XXXX in case I needed to deposit funds to cover. It showed balance of {$28.00}. The next morning I wake up to a notification that I was charged a {$35.00} fee. The worst part is not only did it never drop below {$28.00}, but they were still holding that {$200.00} electronic transfer from XX/XX/XXXX when they charged me {$35.00}. They finally gave me credit for the {$200.00} on XX/XX/XXXX. The person that sent the transfer said the money left her account on XX/XX/XXXX so not sure where it was those 5 days? I asked XXXX to provide a printout showing my account with the negative balance ( bc even he admitted the account never went negative ), but since I was upset w them & finally yelled bc XXXX refused to return the fee-he refused to give me a printout and lost his cool & kept saying that he was just going to get a cashiers check and close my account. I tried talking to the senior service officer who informed me by mail my account will be closed on the XXXX and she cant provide me with a print out showing where it went negative either because she said it was something behind the scenes. Well how am I supposed to correct some thing if I look and my account doesnt show any issue? This same exact situation happened to me about a year ago & even though it was an error on the banks part just like this? They refunded the fee but put it as a one time courtesy to me. I told her thats great bc then if I ever really need the courtesy it looks like I have already received the courtesy when it was simply their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open case XXXX. IT has not been resolved and I am aware your case is still open. I am unable to access my information to update credit cards and other banking services. 
Bottom Line this has been ongoing sinve the beginning of XXXX when Experian has asked me to reconnect my XXXX XXXX accounts. From then on in XXXX I was no longer able to access my data. I have opened XXXX XXXX cases most recent was XXXX. 
I will attempt to attach a snapshot of my trouble. The message reads... 
Sorry, We're unable to process your request right now. Please try again later. I have reset my password sucessfully throught this connection issue. 
I have tried to contact an agent only to be rerouted many times to some other recording. So it has been almost 3 months only to still be unable to login and utilize XXXX which is what Experian feels is so Great. 
XXXX XXXX
Product: Debt collection

i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accounts that should have been removed and I've tried several times they just keep showing up they are not mine and no-one does a thing about it and the dates change all the time and I can't get a credit report they keep refusing me
Product: Credit card or prepaid card

I applied for the XXXX XXXX credit card issued by American Express and was approved on XX/XX/XXXX. Upon receiving the card, I called the customer service on XX/XX/XXXX to confirm that the signing up bonus is indeed as what I saw at the application page. I was connected to their representatives named XXXX who is based in their call center in the state of Illinois. XXXX straightforward confirmed the signing up bonus of my credit card as spending {$4000.00} within first 3 months and receive XXXX bonus XXXX  points. I also learned a bit of other perks and benefits with this particular credit card. Before hanging up the call, I confirmed again that I'm eligible for the sign-up bonus and XXXX said YES. 

Since then, I have been using this credit card in almost every single transaction where a credit card was accept, both at home and while I was on travel. 

In late XX/XX/XXXX, when I calculated that I have spent an cumulatively more than {$3000.00} on the card, I would like to make sure the spending total calculated by American Express is about the same, so decided to call the customer service. During the call, I confirmed again about the sign-up bonus with the representative. 

Lastly, when the XX/XX/XXXX statement closed and by which time, my calculation indicated the {$4000.00} spending requirements on the card were already met, I did not see the XXXX bonus XXXX  points posted with the statement. So I chatted with another representative on the Amex app ( after log in ). The representative confirmed my sign-up bonus offer one more time but assured me that it might take additional days/weeks to receive the XXXX bonus points ( sign up offer ). 

Today ( XX/XX/XXXX ), I called American Express customer service again to follow up on the signup bonus. I talked to their representative named XXXX who is based in Florida. However, I was shocked to learn they have declined to fulfill the sign-up bonus which I have been confirmed about multiple times in the past 3 months. There's something even more disturbing - XXXX mentioned this was declined from DAY ONE of my account opening. 

I am very disappointed that after all the hard work and a heavy spending of more than {$4000.00} on this single credit card, American Express declined the sign-up bonus offer. Moreover, I am a bit furious that I was repeatedly being told/confirmed about the signing up bonus of the card all the way throughout the initial 3 month period when I spent heavily on the account but was only told the offer was declined after spending requirements were all met. There're many many other cards issued either by American Express or some other companies that I can put the {$4000.00} spending on.
Product: Bank account or service

I 've been a customer of TD Bank NA ( formally, XXXX XXXX ) for more than a decade. 
Now TD Bank said they will close my accounts for no reason. 
I depend on over XXXX vendors and bill pay and automatic debits to use my accounts and XXXX of TD Bank. Also, some accounts are with my partners. They can not be closed. 
Please look into this and keep all my accounts OPEN. 
There are no issues nor concerns.
Product: Debt collection

Nationstar Mortgage LLC did not receive the promissory note from a party who was legally in possession or who had the legal capacity to transfer the note. Nationstar Mortgage, LLC has never been the owner of the note. Nationstar Mortgage LLC did not pay value for the note. Nationstar Mortgage LLC claims XXXX  was on the original mortgage and that the homeowners agreed to designate XXXX  as a nominee. XXXX  IS NOT on the mortgage anywhere and the homeowners DID NOT agree to designate XXXX  as a nominee. WHO TRANSFERRED the promissory note to Nationstar Mortgage LLC. Who was the custodian of the collateral file? How did Nationstar Mortgage LLC obtain possession of the promissory note? 

What does " new loan '', " no cash '' mean? 

Aurora Loan Services , Inc went out of business and did not have the authority to service transfer anything to Nationstar Mortgage LLC. Aurora Loan Services , inc had a cease and desist order against the company. A service transfer allows a servicer to collect payments for the LENDER. WHO IS THE LENDER? Who was Nationstar Mortgage collecting payments for? These are valid questions, as only the TRUE CREDITOR and legal owner of the debt should have received payments. A loan servicer is not the owner of the debt or the creditor. A loan servicer does not have the authority to bring a foreclosure action in its own name without the true creditor and owner of the note joining or ratifying the action. 

The balance showing due on the mortgage payments is incorrect. Our mortgage was paid off and Nationstar Mortgage LLC was collecting payments on a loan that had been paid in full. Your business records are incomplete and you are not capable of showing the amount owed or not owed because you can not trace the loan history back to the original lender.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct name-XXXX XXXX : # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXXXXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX  # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

{$11000.00} has been written off, and the account is still displaying the obligation as past due.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to WELLS FARGO BANK N.A XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the WELLS FARGO BANK, N.A 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.