23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

CFPB Request a review of the following account XXXX I requested to close this account due to poor customer service. XXXX had a pending credit transaction of {$99.00}. See attached e-mail from XXXX I paid the min due required at that time for the charge of the XXXX to XXXX to protect my credit rating Upon/once XXXX got the credit transaction processed from XXXX XXXX and closing my account as I requested. XXXX than refunded me the min due payment back as well closed the account as I requested. 3 months later after XXXX posted this on my Experian as a late pay for {$99.00}. A week or so later they added interested to the {$99.00} for a total charge of {$110.00}. 
I disputed the prior late pays as well requesting for documentation. So it appears that they now believe or claim that they never received the funds from XXXX. I contacted XXXX on the XX/XX/2016. I spoke with XXXX at XXXX who claims they ( XXXX ) request was made reversing the charge of the {$99.00}. He additionally claims that the transaction C/C shows that XXXX was credited the funds. 
Prior to XXXX reporting this false / incorrect information to Experian they had not or still have not reached out to me in any manner about the said debt ... .after closing the account as well marking the balance as {$0.00}. See XXXX reports most recent or prior reports for Experian and or XXXX. 
I would like to request an audit on my XXXX file providing all documentation regarding this matter/account. 

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

I have a late payment on my report with SYNCB/XXXX  account but it was the same month that i paid the account off and closed the account so i don ; t think its possible that i could have a late payment. But i recently had my credit pulled and i have a late payment that showed up. It is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company as well as call them to ask them to explain to me how this was late and the credit bureaus but have gotten nowhere. Anything you can do to help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding incorrect and fraudulent information on my credit report, including outdated addresses and accounts that do not belong to me. These issues appear to be the result of identity theft. 

Details of the Complaint : Outdated Addresses : The following addresses are listed on my credit report but are no longer associated with me and need to be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Fraudulent Accounts : The following fraudulent accounts are listed on my credit report : XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Fraudulent Address : The following fraudulent address is listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address associated with fraud ) Old Addresses XXXX listed above ) are present on all three bureaus. 

XXXX : Fraudulent accounts ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Fraudulent address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL, XXXX ) TransUnion : All old addresses listed above Action Requested : I am requesting the following actions be taken immediately : Remove the outdated addresses from all three credit bureaus. 
Block and remove the fraudulent accounts from XXXX. 
Block and remove the fraudulent address from XXXX under Section 605B of the Fair Credit Reporting Act ( FCRA ). 
Supporting Documentation : I have attached the following documents to support my dispute : Copy of my government-issued photo ID.

Copy of a recent utility bill showing my current address.

FTC Identity Theft Report ( or police report, if applicable ). 
I respectfully request that these matters be investigated promptly and resolved in accordance with the law. 

Thank you for your attention to this matter.
Product: Mortgage

In addition to my statement above, they are continuing to ask for repayment, modifications, short sales, deeds in lieu which is an illegal step and an attempt to steal my home. They are to cease and desist. That's a legal term and they are required to adhere. 

Also I do not have an agreement of any kind with this Shellpoint. They need to show me the documents that I signed allowing them to control the mortgage on this home. Also I do not recognize the loan number, which is different than the one I signed years ago. Where do they get their authority to even issue a bill on my home?
Product: Student loan

I consolidated my loans years ago to create a fixed rate loan. I was told by then XXXX ( now Navient ) that my rate would never change, signed paper work stating such, and in fact for the past 8 years it has been fixed at XXXX. Now I see that my interest rate has gone up to XXXX with no before hand explanation warning of the change. Navient is telling me that congress sets the rates ... but my loan is not a variable loan ... it is a fixed rate late that I was told could never change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending documents to the Equifax since XXXX, asking to delete a fraudulent account ( XXXX XXXX/ XXXX XXXX  ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.
Product: Credit reporting or other personal consumer reports

The removal of these inaccurately reporting accounts on my credit report when I checked it this afternoon.
Product: Vehicle loan or lease

In XXXX XXXX XXXX  I moved from XXXX XXXX  to XXXX. In order to register the vehicle, the title needs to be transferred to XXXX, or the lien company needs to send a refusal letter. One two separate occasions ( XX/XX/XXXX, and XX/XX/XXXX ), the XXXXXXXX XXXX Tax Collector 's office has sent requests to Wells Fargo for either the original title of the vehicle loan, or a refusal letter. Both requests have been ignore by Wells Fargo. Tomorrow, XX/XX/2023 the registration on my vehicle will expire rendering it undrivable. My insurance company, XXXX, will drop coverage as soon as the vehicle becomes unregistered. 

To date, the only response from Wells Fargo, was directions to have the XXXX XXXX Tax Collector 's Office send them a request for the title. Which they have already done, twice, prior to Wells Fargo 's response, telling them to do what they already did.

Beginning Sunday morning, I will have loss of use of my vehicle. It will become unregistered, uninsured, and unusable. I'm sure becoming unregistered and uninsured violates some provision of my auto loan, allowing Wells Fargo to seize me vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information has not been promptly received or reported to all 3 credit reporting agencies. 
There should be to 2 car loan trade lines on my credit report. There should be reporting for XXXX and XXXX. With full payment records.
Product: Debt collection

Sunrise Credit Service opened a collection account on XX/XX/2020 claiming I owed XXXX mobility {$390.00}. On XX/XX/XXXX I called XXXX to dispute this information on my credit report as fraudulent
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a check from the XXXX XXXX XXXX XXXX without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( XXXX, XXXX, and Experian ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.
Product: Debt collection

On XX/XX/2024 Resurgent Capital Services L.P was sent a certified dispute letter on behalf of LVNV Funding LLC regarding an alleged debt owed in the amount of {$3400.00}. LVNV Funding was also sent a certified dispute letter on XX/XX/2024 regarding the same account and they failed to respond at all. A request of verification was not requested from Resurgent Capital Services and they were informed that a bill or printed out statement would not suffice. I requested validation such as factual evidence, such as a promissory note, contract or agreement bearing my signature that holds me legally responsible for the alleged debt. Their response has been attached to this complaint. They have failed to provide any factual legal evidence but are still reporting an invalidated debt to the credit reporting agencies which is a violation.
Product: Debt collection

I am not aware of any theses accounts on my credit report and I've been asking the credit bureaus to have them removed but they are stalling the process.
Product: Student loan

I have a federal Direct Consolidation loan, which is split into two parts - subsidized and unsubsidized. I am currently in a period of in-school deferment and the government pays the interest that accrues on the subsidized portion of the loan. I frequently make extra payments on the loan in order to pay it off sooner. The loan servicer ( Navient ) does not offer the option for me to specify when making online payments how I want those payments to be allocated. My preference is to make extra payments towards the unsubsidized balance, because making extra payments towards the unsubsidized balance, which accrues a higher daily interest amount, allows me to save money over the life of the loan. 
In order for my payments to be allocated as desired, I have to include special instructions each time I make a payment, and rely on the servicer to interpret those instructions correctly and to follow through in applying them. This puts an undue burden on me as the borrower. Often, the servicer does not obey the instructions and I have to follow up multiple times with phone calls and emails to have the issue fixed. 
The servicer ( Navient ) has repeatedly told me that I can not split my payments as desired, since it is a single consolidated loan. This is not true, however. My promissory note states " I may prepay any part of the unpaid balance on my loan at any time without penalty. '' There is nothing in my promissory note to indicate that I can not make separate payments towards the unsubsidized and subsidized balances. 
Providing inaccurate information, not applying payments in accordance with special instructions provided, and giving the impression that payments can not be specified separately for the unsubsidized portion of the balance and the subsidized portion of the balance deters borrowers from being able to make payments in such a way that will save them money over the life of the loan. It creates unnecessary obstacles for borrowers. 
The choice to allocate online payments in accordance with personal preference should be made available at the self-service level. It is irrelevant that a consolidation loan is considered a single loan. The loan is broken into two parts and those two parts are able to be paid separately. Principal amounts are calculated separately, interest accrues separately, and billing amounts are calculated separately. Not providing borrowers with a choice on how to allocate their payments creates a false impression that borrowers are unable to specify how their payments are made. This results in more money being paid by the borrower over the life of the loan.
Product: Student loan

In XXXX, I agreed to a Settlement Agreement with XXXX for the repayment of my daughters student loan debt. Our agreement was for {$500.00} a month until the debt is paid off. In XXXX that debt was sold/transferred to Lazega & Johansen in which I sent my payments of {$500.00} a month. On XXXX I received a letter from XXXX- XXXX stating that they were taking over the collection of XXXX of the loans and I should remit payment to them. My problem is the settlement I negotiated was made for all loans including this XXXX for a total payment amount of {$500.00} per month. How does this affect my payment situation? If they are also collecting how much goes to them and how much goes to Lazega & Johansen? This is confusing and seems in violation of the settlement agreement if I am asking to pay more than the negotiated amount and on top of that there is no sure way I can keep tabs of the balance with different entities being involved. If they ( Lazega & Johansen ) sells the other XXXX loans that 's XXXX different debtors I am being asked to pay. I was doing the right thing by negotiating and settling this debt but this new transfer is causing me much concern. Please help!
Product: Debt collection

I avoid the company I didnt have knowledge of this account after paying Amount after they then put in collect for A amount again regarding same case
Product: Credit reporting, credit repair services, or other personal consumer reports

DPT/ED/XXXX  XXXX XXXX or XXXX DPT/EDXXXX  XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXX XXXX XXXX or XXXX DPT/ED/XXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXX3800.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXXor XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the account. I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of an account from the same company.
Product: Credit card

XX/XX/XXXX, XXXX Got a call Bank of America that I am trying to make a balance transfer for {$7800.00} to a chase account. I said no I am not. 

XX/XX/XXXX, XXXX I see that the Balance Transfer went through and a transfer fee of {$310.00} has been charged. 

XX/XX/XXXX, XXXX I speak to XXXX XXXX and he assured that my credit will be applied. Dispute # XXXX XXXX XXXX I call to check the status. I am told that the transaction was approved and it went through. 

XX/XX/XXXX, XXXX I call and the phone team try to give me all sorts of problems ask me XXXX XXXX says that my phone number isn't correct, which I gave last time and was on record. Then they say call from the app to verify. When I call from app it sends me to Dispute instead of Fraud- where they make me wait for XXXX min. Then the call drops. When I call through the app again it goes to dispute again and then they give me direct number. 

The supervisor XXXX tells me that I will have to call from app again. First they insist me to give my full card number and when I give they still don't help me with giving the information regarding the fraudulent transaction.
Product: Student loan

In XXXX of 2018 I consolidated my loans with Premier Student Loans. Upon receiving an email from the Federal Bureau of Consumer Finance I contacted XXXX Student Loans as directed. Upon reaching out to them and going through the paperwork filed by Premier Student Loans it was made evident they were lying on my paperwork by stating I had four extra dependents in order to reduce my student loan payment. This low payment did not cover the interest and my loan amount has now raised by nearly {$3000.00} without reducing any of the principal. Not to mention I now have to suddenly make changes to my entire budget to begin paying a payment of {$300.00} more than I was before. 

I am seeking to gain more information on the lawsuit against this company and to join the lawsuit if possible. I have documentation and every email received from this company that I would be happy to share.
Product: Debt collection

Tried to call multiple times, unable to get through. Debt is not in mine nor husbands name. Debtors name is similar but not my husbands and address does not match our home address therefore, debt is not ours.
Product: Checking or savings account

I opened an account with Wells Fargo slightly over 4 months ago. Pre-Covid-19 Pandemic. They had a promotion at the time offering a {$400.00} dollar bonus if certain conditions were met, Including funding the account within a certain time frame, receiving direct deposits, keeping the account open, and so on. I met all of the requirements of the account, except for receiving a direct deposit totaling {$4000.00} over the 4 months. ( to be accurate, i missed the number by $ XXXX {$42.00} ( depending on the representative i spoke to ) The reason for this was due to the pandemic, specifically the local emergency orders prohibiting me from working. Due to this, the direct deposits in my account had to cease. I tried to call Wells Fargo to see if we could reach some kind of agreement. The representative over the phone was nice and seemed to agree with me, but after checking he said there was nothing they could do. I think this is unfair to consumers because no one could have foreseen the coming pandemic and the issues it would cause. Had they extended the deadline by just a bit longer, deposits would have began again. The branch by me was not even open at all times during the pandemic, making it impossible for me resolve the issue another way or speak to a banker. 

Furthermore, I am also concerned with an issue that I have specifically with Wells Fargo, when I go to ask for rolled coins, they are short changing the rolls and not providing the amount paid to them. I have ordered rolls of quarters ( {$10.00} rolls ) and on multiple occasions received rolls missing $ XXXX {$0.00}. This also applies to rolls of Dollar Coins. I have received rolls of dollar coins which contained a quarter in the middle of the roll. Several rolls have contained foreign currency instead of american dollars. I have brought this to the attention of at least two branches, one located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and another located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Most times the bank has rectified the error when i realize it when opening the rolls in the bank, but many times the missing money has only been realized once the rolls are in use, and the bank will not acknowledge fault in that case. The bank has said that the issue could be because they don't check the rolls that customers drop off. This may be  short changing people of thousands of dollars if occurring at a national level.
Product: Debt collection

XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother. 

XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter. 

XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees. 

The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX. 

I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters. 

XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt. 

I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt. 

XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt. 

XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt. 

XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt
Product: Mortgage

My Family and I were affected by the XXXX Pandemic and during that time was unable to keep up with the monthly payment. I entered into forbearance in XXXX and continued that program until XXXX. We began to make payments on the account and contacted the Customer Service team regarding errors in the information we were provided and inaccurate reporting to the Credit Bureaus. Those issues were resolved and we began the Loan Modification process. We provided all the documents request and awaited their response. We received an approved Loan Modification but we were advised that a penalty APR or fee would be applied to our loan for about $ XXXX to $ XXXX. This was assessed due to the 10months that we did not make a payment during the COVID forbearance period. It is very misleading and a predatory lending practice to not disclose that a fee of almost $ XXXX will be assessed while we were in the toughest time of our lives, dealing with the XXXX  and lost of family members due to XXXX. I feel like we are being taking advance of in this situation and have been treated unfairly.
Product: Debt collection

I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona.

This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. 

I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! 

Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.