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

I got a loan with a company used to be called XXXX on XX/XX/2022, the company put part of the loan in a locked savings account which won't have access to until the loan is paid off. 

A few months after I took the loan, XXXX informed all their customers that they decided to sell all customer loans to another company as a strategic business decision. Thus, my loan was sold to a company called " XXXX XXXX XXXX XXXX XXXX XXXX '' or XXXX as short name. 

I was able to establish online account with the new company and set a username and password to start paying my monthly payments to them. Due to financial hardship, I was late for a few months. One day, I was trying to login to my XXXX portal to make the late payments, then I received error message saying " XXXX - File or directory not found '', so I wasn't able to make any payments. 

A few days later, I was checking my credit report and found that I have negative account showing on my credit reports as a collection account with amount of {$110.00}. It seems that XXXX liquidated the savings account and used to pay the balance on my account without informing me. 

The savings account that was locked had a balance of {$670.00}. However, that savings account was liquidated and the amount of {$670.00} was used to pay the loan balance. Please note that I didn't receive any communication or mails from XXXX that my savings account will be liquidated. And as I mentioned above the website of the successor company who bought the loan from the XXXX wasn't not letting me to login so I couldn't pay the balance of the loan which was {$110.00}, and I don't have any information for that company so I can send them the payment. 

As I mentioned earlier I didn't receive any mail or any communication from that company regarding any actions they were planning to take regarding my savings account or the loan balance. I am also attaching screenshot for the screen when I try to login to my account through the company 's website, and will see that it gives me error message as " Not Found '' page. Now that amount of {$110.00} is showing in my credit report as charged off or in collection. 

Now my XXXX XXXX went down because of this negative account that is showing as a collection on my credit reports with all the 3 credit reporting agencies.

With all that mentioned above, I am requesting to delete that account from all of my credit reports as it's causing harm to my credit specially that I need to move soon and rent a new apartment, and with that account showing in my credit report it will be hard for me to rent a new place. I want to pay the balance owed of {$110.00} but I need first to make sure that XXXX will remove the negative account from all 3 credit reports and I need to know how can I pay that balance. 

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

I reach out to Experian Credit bureau about an incorrect, inaccurate, and fraudulent bankruptcy in XXXX I received an email from them showing my report which it stated to contact their third party vendor XXXX XXXX. So Contacted XXXX XXXX In XXXX I was told that they had removed the 2 chapter XXXX Bankruptcy in XXXX of 2020. So I call Experian on XX/XX/XXXX and spoke with a Supervisor who stated to send in the document from XXXX XXXX show that the bankruptcy has been removed. I uploaded the document on XX/XX/XXXX an and called back on XX/XX/XXXX I was told by a XXXX who answered that that document Doesn't mean anything. I then call XXXX XXXX and tell them what Experian said and they tell me that all I have to do is show Experian that document and they should remove it. My problem is that On the report sent by Experian it clearly stat that they get their information from XXXX XXXX and once XXXX XXXX removed it, it should have been removed from their system as well. I want those 2 chapter XXXX bankruptcy removed immediately as Experian is lying and refusing to removed these items that were removed from there source which is XXXX XXXX  as a consumer this is not right. See documents.
Product: Checking or savings account

I had funds from my mortgage company deposited in my One West checking account that I have had for around a year. They either held or stopped several personal checks, although I had called them and spoken to representatives XXXX, XXXX and XXXX about using my own checks. They restricted my account due to my desire to use my own checks as opposed to the expensive checks offered by them. I now have several returned check fees and this embarrassed me in the face of my payees. Upon calling One West and informing them of the situation they asked me to step into the branch -- which I can not do as I am XXXX XXXX ( moreso XXXX XXXX ) and recovering from XXXX XXXX. One West replied that they could send an agent to my home. As I thought this very unusual to send a banker to an XXXX XXXX XXXX, I requested to have a police officer present. The police department informed me that they can not send out an officer to my facility just because a banker wants to visit if no crime has been committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 
Resolution ( Delete listed accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection accompanies do not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I have Citi bank Advantage card and I would like to close. 
But bank already applied early fee {$99.00} and my. computer automatically paid it. I asked to cancel that card and credit that fee.

I am good customer for many years with bank and have 2 more Citi cards. I did not paid last year for Advantage card and did not expect fee for that year. 
By talking to bank I did not get any help at all. 
I am retired and I can not allow myself pay additional fee with I can not pay for other cards. 
Thanks
Product: Student loan

I was previously with My great Lakes on an XXXX  XXXX  and my loan was transferred to Nelnet this year. I applied for the XXXX plan in XXXX and XXXX the government website it said based on my income and debt my payment plan would be XXXX. Nelnet said they received the application in XXXX and would send me updates every 10 days. I have received no updates. I have emailed XXXX and tried calling XXXX and have gotten no response. I also can not see the repayment plan they've applied to my account anywhere and have received no correspondence via phone, email, or mail on the status of my XXXX plan or even what plan they have me on. Also rather than going down my repayment amount on the website has gone up when it should be XXXX based on my application on the government website. They are trying to hold me liable to payment despite not telling me what payment plan I'm even registered as or updating me on the processing of my payment plan application. 

I applied for the XXXX plan on the gov website on XX/XX/23 and received confirmation it was received on XX/XX/23 from nelnet and that they'd be in touch every XXXX business days to update and I've gotten no updates or information at all on my payment plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has no mechanism to reset your username and password that functions. Let me say from the onset, that I have my pin, that was required to put the freeze on. 
Now I can not get to the stage to UNFREEZE, because, even after entering my correct SS # and date of birth, their computer says it is wrong. 
All 3 costumer service numbers I have tried are a truly frustrating nightmare of hellish circles leading nowhere. I would like to reiterate that I have the pin number, enter it, and then I am sent to something about a fraud alert and not about unfreezing. In addition, it is clearly not possible to speak with a person. If you so much as ask the computer to speak with someone, it hangs up on you, even when you are in some kind of dead end technical support. I can not get an equity line of credit, and interest rates are climbing. 
I had a similar situation with XXXX, where a reset of username and password was required, and the situation was resolved in a 5 minute phone call. Experian is apparently a multibillion  dollar company with hundreds of thousands of employees, non of whom can help.
Product: Debt collection

In XXXX and XX/XX/XXXX my hospital submitted charges for services performed by an XXXX, resulting in insurance paying as out-of-network. Hospital has been repeatedly billing me for the portion which which would have been paid by insurance if claim had been submitted properly. 
I personally visited hospital billing office, made phone calls and sent them a letter advising of dispute. At XXXX point they said they would stop billing for those charges but they recently resumed and then turned the charges over to a collection agency. 
Last week ( XX/XX/XXXX ) I received a call from the collection agency. I tried to inform the caller that those were disputed charges for physician services being charged by a hospital, but he interrupted me shouting that we had discussed this before and the billing was for hospital charges not physician services. His statements were not true. We had not discussed it before, and the charges are for physician services. 
I called the hospital customer service number and after placing me on hold while consulting with billing, they told me that XXXX of the charges should not have been submitted to the collection company and they were withdrawing that XXXX for now but may re-submit it at a later date. The other charge remains with the collection agency. I have advised the collection agency in writing that the charges are disputed. 
I have paid all of my legal obligations to that hospital. The only charges I refuse to pay are the ones that resulted from them billing incorrectly for physician services, resulting in insurance not paying as in-network. 
I was being treated there last year for XXXX and am now being treated elsewhere. The incessant billing, and now the abusive phone collection attempt, is increasing unmanageable stress to a level that I believe is harmful to my health and is interfering with my recovery.
Product: Debt collection

I got a loan last year and I have refinanc ed over 3-4 times  to build my credit instead when I paid on time it knocked my points down my vehicle broke down and I lost my job I explained to them I can male pay ments when I get my disability check they have   called me 5-6 time s a day including after hours from their cell phones they harassed me so much I had to deactivate my cell phone this went on even after I made a payment now they are harassing my references. They we 're completely rude on their voicemails also
Product: Checking or savings account

My Mother, XXXX and XXXX, XXXX visited a chase branch in XXXX AZ in XXXX of XXXX, about 4 months after my Father passed, so we could finish getting things in order from my Fathers passing and to make preparations in the event my Mother passed. XXXX brought our Mother to the Chase bank nearest to our Mothers home to seek professional assistance to guide them with the proper paperwork needed to transfer assets from all of our Parents Chase accounts in the event of our Mothers passing. The Chase employee they met with, XXXX XXXX, selected the required forms to be filled out, provided the forms to our Mother, filled out everything on the forms but the required signatures, and notarized the signatures on the 3 forms. We believed the matter to be settled until our Mother passed on XX/XX/XXXX. Several days after her passing, we began to submit whatever forms and paperwork necessary to settle her estate. When we tried to submit the forms to Chase for the Transfer on Death arrangements that had been previously made, we were told there was a problem with the forms, in particular regarding the savings account. We brought our concerns to the local Chase branch and the manager escalated it on our behalf to a woman named XXXX, who escalated it further to a woman named XXXX from the Chase Branch Complaint and Escalation Group who told me there was nothing they would do to correct the issue and our only recourse was probate which was what we filled out the forms to avoid. The problem seems to lie with the choice of the form used. The form chosen and presented by XXXX is for an investment account, not a checking or savings account even though the number on the form is CLEARLY the savings account number. This is 100 % the fault of the Chase employee my family met with. We counted on him to know his job and advise us accordingly. Everyone makes mistakes, but that does not exclude Chase from the responsibility to make it right. Probate is going to cost a significant amount of money that Chase, according to XXXX, refuses to compensate us for. So now the funds are locked in a Chase account until Probate is settled where Chase can continue to earn returns on money that is frozen due to an error by one of their own employees. Seems like a conflict of interest to me...
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Experian consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review. This reckless and negligent practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes.

Additionally, Experians actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar misconduct. 

Legal Warning & Demand for Deletion If Experian does not immediately comply with federal law and remove the inaccurate and unverified accounts from my credit report, I will be left with no choice but to pursue legal action, including but not limited to filing a lawsuit for willful noncompliance with the FCRA. As established in FCRA 1681n, willful violations can result in actual damages, statutory damages, punitive damages, and attorneys fees. 

Disputed Accounts for Deletion : XXXX XXXX xxxxxxx XXXX {$440.00} XXXX XXXX xxxxxxx XXXX {$3200.00} XXXX XXXX xxxxxxx XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX Bank xxxxxxxxxxxx XXXX {$1000.00} XXXX XXXX Bank xxxxxxxxxxxx XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM - XXXX {$2700.00} XXXX XXXX XXXX {$450.00} XXXX  - XXXX {$450.00} XXXX  - XXXX - {$4600.00} Final Notice If Experian fails to comply within the legally required 30 days, I will move forward with a lawsuit for failure to conduct a reasonable investigation, as required by the FCRA, and will seek full legal remedies including statutory and punitive damages. 

This serves as formal notice to correct this violation immediately. I expect a written confirmation of the deletion of these accounts within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few years, TransUnion has refused me access to my credit report on my online account with their website, via XXXX, and in writing with all required identity documents included. I have called several times and they promise calls from escalation teams but never call. Some have said their are maintenance issues with my credit file but they refuse to fix it for three years now. 

The last time I had my credit report from transunion there was inaccurate information that according the the representative today, has still has not been removed despite submitted disputes.
Product: Vehicle loan or lease

The address on file is not my correct address. I would like this account removed. I did not give authorization.
Product: Credit reporting

I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX XXXX. The written letter offered the option of " 1 payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX XXXX reported my account to Equifax as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.
Product: Mortgage

SLS Mortgage, after 15 years of payments, juxtaposed ( front to back ) request for extended forbearance ( REQUESTED PRIOR ) with request for loan modification AFTER LOAN MODIFICATION WAS APPROVED AND SLS ACCEPTED FIRST OF THREE PAYMENTS AFTER MORTGAGEE ACCEPTED MODIFICATION ( mortgagee was sent paperwork verification of proposal of modification ). After receipt of loan modification proposal, mortgagee sent FIRST PAYMENT ACCORDING TO PROPOSED DEADLINE. 
SLS counters by FRAUDULENTLY CITING LOAN MODIFICATION REQUESTED PRIOR TO REQUESTED EXTENSION OF FORBEARANCE. 

SLS MORTGAGE STATES BOTH EXTENSION OF FORBEARANCE AND MORTGAGE LOAN MODIFICATION DENIED. 
We possess sufficient documentation to the contrary, SENT BY SLS This doesn't even make sense ; SLS up to old TRICKS AGAIN?! 


XXXX XXXX : XXXX. 

MORTGAGE HOLDER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) listed as property tax payer ( tax payer credit hijacked by SLS MORTGAGE ; Instiuted subsequented in prior loan modification XXXX ( Assumption is, that it gives greater legal foundation to SLS should foreclosure be sought ) Note : XXXX XXXX 100 % XXXXXXXX XXXX XXXX 4x week, 100 % XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX 

Date of foreclosure initiative : XX/XX/XXXX Cited, by SLS representative, XXXX, on XX/XX/XXXX when mortgagee attempted to make SECOND PAYMENT ON APPROVED LOAN MODIFICATION, SLS REPRESENTATIVE STATED THAT NO SUCH MODIFICATION HAD BEEN IN PLACE AND THAT IT WAS DENIED AND FRAUDULENTLY STATES IT WAS AFTER LOAN MODIFICATION WAS DENIED THAT FORBEARANCE WAS REQUESTED, WHICH ALSO WAS DENIED. 

In truth : FORBEARANCE WAS REQUESTED PRIOR TO REQUESTED LOAN MODIFICATION REPRESENTATIVE failed to cite dates of forbearance request. 

NOTE : ALL DOCUMENTS REQUESTED BY EMAIL NEVER SENT ALL DOCUMENTS REQUIRED BY MAIL, NEVER RECEIVED. 

Amount of demand : Between $ XXXX Note : REPRESENTATIVE XXXX STATES IF TOTAL AMOUNT IS PAID by XX/XX/XXXX, XXXX NO MORE PROBLEMS! 

SLS REPRESENTATIVE XXXX advised PAYMENT and received, {$500.00}, as XXXX was MORTGAGE payment when forbearance began in XX/XX/XXXX. Hinting it MIGHT prevent foreclosure, because of the overage of {$2.00} but she couldn't commit to anything. Stating that the overage would be applied to past due amounts. 

Call me skeptical, I don't believe it. 

Mortgagee in XXXX related INTENSIVE CARE soon thereafter, XX/XX/XXXX, already ill when forbearance was approved through AUTOMATED SYSTEM. 

SLS MAY JUST HAVE NOT UPDATED SUBSEQUENT FORBEARANCE POLICY AND THIS IS A GLITCH. 
XXXX XXXX DOCUMENTS TO FOLLOW XXXX HOME NUMBER -- Sent from XXXX for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account 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.
Product: Student loan

I attended Sumner College back in XXXX. I currently owe approximately over $ XXXX. I did not complete the college course because the college discontinued the program. They had mentioned that I would be able to transfer my credits to another college. When I tried to transfer over to another college they weren't able to transfer my credits. I had no choice but to start over and get a new loan at XXXX XXXX XXXX in XXXX. 
now in XXXX, I am having really difficult time trying to pay this loan that I didn't get anything back on and still have to pay my other student loan where the program was also discontinued. job is hard and I am now in forbearance and I talked with company to see if they can help me and I have had no luck with this issue.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # # # # XXXX, XXXX XXXX # # # # # # # XXXX, XXXX XXXX XXXX # # # # # # # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.