23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our mortgage and got stuck with American Pacific Mortgage. Our first payment was due XXXX XXXX. We made a payment of {$1000.00} by check on XXXX and the company received on XXXX XXXX. Our payment due each month is {$760.00}. Our XXXX XXXX payment was also by check and was received XXXX XXXX also for {$1000.00}. Our XXXX XXXX payment was made electronically on XXXX XXXX and received on XXXX XXXX for {$1000.00}. Our XXXX XXXX XXXX payment was made electronically on XXXX XXXX and received XXXX XXXX also for {$1000.00}. Our XXXX XXXX electronic payment was sent XXXX XXXX and received XXXX XXXX for {$1000.00}. 

They are saying we are behind one payment which is incorrect. We have been calling this company since XXXX to get this situation resolved. We have sent to them copies of the checks from our bank and a list of our electronic payments from our bank. We are constantly being told that they are researching the issue and that it will be resolved. The problem is that every time we call we are told of a new date that it will be resolved and this has happened numerous times. They have also applied two late payment fees. We have spoken to supervisors and this is still not resolved. 

We feel that this should be an easy situation to resolve since we have only made 5 payments. We are beginning to think that they just don't care to resolve.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I was alerted via text message that Chase denied a {$780.00} purchase at XXXX XXXX XXXX XXXX They asked me to confirm if it was me with a " yes '' or " no ''. I responded " No '' within the minute ( XXXX ), as I had not ( and never have ) made a purchase at XXXX . chase confirmed they would close my card and send a new one. 

Chase then reversed the transaction a few days later, so I assumed I was all set. However, a few months later, I was checking my credit card history and noticed Chase had added back the same {$780.00} charge a day or so after they removed it from my credit card without any notice. I had unknowingly paid that charge, resulting in me being out of pocket ~ {$800.00}. I am still out of pocket this amount. This charge should have never gone through, since i flagged it as fraud the same minute I was alerted via text message.

I called Chase to complain, and they said they would raise a complaint with their fraud team and it would take 15 Business days. I waited the 15 Business days, plus a few more, and still heard nothing from Chase. I called and they said their department said the delivery address matched my address on file. I had since moved ( starting XX/XX/2021 ) and no longer lived at that address. They patched me in to XXXX who provided the shipping information for the package but then said I would now have to work with Chase to get the refund.

Chase has been extremely difficult and unwilling to refund me the money, which is why I am submitting a complaint. I can provide time stamped records of the fraud text, my response, and the chase follow up. I am happy to provide any other information needed.
Product: Mortgage

I previously filed a complaint, Case number : XXXX, and disputed the response from the Mortgage holder, but I do not see it on the record. 
Two things : 1. It is true that SPS has now offered me mortgage assistance and I am in a 3 month trial program, paying about {$1300.00} a month. I am glad to be offered the option to stay in my home, but the information I provided to SPS shows my income, from a part-time job because I have not been able to find full-time employment, is about {$1600.00}. A bit unrealistic to offer me an option that leaves me nothing on which to live. 
2. The response from SPS about why my mortgage is so high, higher than the purchase price, after more than 20 years remains unanswered. It was stated that I purchased the home in XXXX for {$180000.00}. Incorrect. The property was purchased in XXXX for {$140000.00}. I 'd like to an answer. 

Thank you.
Product: Student loan

As a young college student, I took out student loans from Sallie Mae, now Navient, in XXXX, XXXX, and XXXX after my parents could no longer pay out of pocket for college. I took out {$25000.00} in total. For the past 13 years, the recent Account Payment History Report I received in the mail indicates I have paid {$26000.00} in principal, interest, and fees, and {$28000.00} overall ( per the table on my online account ). Despite this, I still owe {$39000.00} as of today. Currently, that's a total of {$67000.00} on a {$25000.00} loan. The balance has remained around {$39000.00} for years and interest keeps accruing and fluctuating. In addition, the estimated pay off date is XXXX/XXXX/XXXX, which means I would be paying on this loan for 30 years. Out of the total amount I've paid thus far, only {$6900.00} has been applied to the principal. Most recently, I have spoken with reps on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The last rep I spoke with indicated that this loan is " like a mortgage except mortgages don't allow you to take 2 year forbearances in reference to what I did back in XXXX ( to obtain my Master 's degree ). To note, Navient freely offered the forbearance at the time when I called to reduce my monthly payments. I also refuted the representative 's statement that Navient student loans function like a mortgage. Unlike any of my other loans, Navient is one of the smallest loans I've had in my life yet it costs me the most because there is no fixed interest. In addition, there seems to be no real target because it keeps moving due to the compounded interest. Moreover, the last rep repeatedly mentioned that I agreed to an interest only repayment plan in XXXX. However, that was the only option they offered when I requested to decrease my monthly payment. They did not offer any other options. Due my income, I couldnt afford to pay the monthly amount, which was nearly {$600.00} at the time. These loan practices are predatory and abusive at best. I asked to re-negotiate the amount owed since I've already paid over {$28000.00} to them but the rep told me that I couldn't because I was in good standing. This option is only available to those that are in risk of defaulting or have defaulted. I could try to refinance, but I still would have to refinance for the {$39000.00} amount. I most likely would end up paying over or close to {$100000.00} on a {$25000.00} loan if I continue paying Navient through the term of the loan. I would like to file a compliant against a company that is allowed to prey on consumers and enforce never ending financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I took out a student loan for my son to continue his education after high school. After the first semester, my son returned home for good, and I notified the school of such. The loan has been paid off and is only being reported on Experian. I am experiencing financial hardship where I am struggling to pay my bills, am about to be homeless, and am unable to attain any student loans to continue my education in order to get a better-paying job. 

In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( # XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently, I ordered copies of my credit reports and discovered numerous accounts that do not belong to me. These accounts were not opened by me, and I am a victim of identity theft. In XX/XX/year>, I mailed a priority letter containing copies of my current driver 's license, Social Security card, FTC Identity Theft Affidavit, and a police report to TransUnion, XXXX, XXXX, and other entities reporting fraudulent accounts on my credit report. 

Unfortunately, it appears that the documents I sent were not properly attached to my accounts. This mishandling has resulted in the fraudulent accounts not being removed from my credit report, which is severely hindering my credit. I called in on XX/XX/XXXX XXXX XXXX  I was told my letters was not received. 

To protect myself further, I will be placing a freeze on all of my secondary bureaus as well. However, I urgently request that the fraudulent accounts be investigated and removed from my credit report as soon as possible. 

Please acknowledge receipt of this complaint and the steps that will be taken to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXXXXXX XXXX  dont ever do this!
Product: Credit card or prepaid card

On XX/XX/XXXX my paycheck ( {$1000.00} ) was direct deposited into my Albert card. I spent approximately XXXX dollars and lost all access to sign into my account also lost the ability to use my card. I have since been told that my account is closed and that I have multiple accounts which I do not and that an email that is unknown to me is attached to my account. Also I was told that my phone number is not the one that is attached to my account. I have since been told that my account is not closed and that they were sending it to a specialist. I haven't gotten a response since and I still have no access to my account. I need my money for my bills and I have no idea what is going on. The only way to contact these people is by text or email and they don't respond by email at all and text takes forever I mean days or longer for someone to respond, if they respond at all.
Product: Debt collection

I recently discovered that Aargon Agency has added a medical account to my credit report. Despite speaking with a representative from Aargon Agency XXXX times in XXXX and requesting validation information by mail, I have yet to receive any notices from them. Additionally, I have disputed this debt with XXXX XXXX. When I spoke to Aargon 's representative, they requested payment but did not provide validation of the debt. 
I have the right to dispute the debt ; if it is valid, I am willing to handle it with the original creditor. I had insurance during the procedure, so I wonder why I received a bill and disputed it with the hospital. Despite this, no one could explain the {$550.00} charge. 
This process appears to be unlawful. Also, the dates are incorrect. The last time I spoke with someone was in XXXX ; I asked for validation at that time, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax about removing an inquiry that I did not authorize or know anything about in my credit reporting dated XX/XX/year> from cXXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX I have asked them to remove it but they told me I must file ftc form before anything.
Product: Debt collection

The hospital never submitted an invoice to my insurance company, and they eventually sent it to a dept collector, i reached out to the dept collection agency and disputed this bill, since my insurance would pay any bill 100 % complete. 

I spoke to my insurance company and they have reached out to the hospital 's billing dept to back pay this bill, and i've requested for the dept collector to remove it and they refused to until, they receive a written agreement from XXXX XXXX. 

They have severally damaged my credit behind this matter. I just recently realized this XX/XX/XXXX bill was not token care of, but only because of my credit report. 

I've disputed this matter numerous of times within XX/XX/XXXX year via XXXX, XXXX, XXXX, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting Experian and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent the company notice opting out from sharing my personal information without my written consent. 

The company replied saying it doesn't apply to them because they don't offer direct to consumer/ online products and they are a specialty consumer reporting agency Since they are receiving information from financial institutions regardless they should honor my right
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance in the matter of a dispute between all major bureaus and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX payments were sent to XXXX XXXX in the XXXX of XX/XX/XXXX these payments were sent to cover my XXXX installment payments on an auto loan. Not only did they receive and confirm receipt of these XXXX payments in XXXX, but a payment large enough to cover XXXX XXXX were also made in the month of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported XXXX XXXX late on XX/XX/XXXX after filing my initial dispute they updated the reporting to XXXX XXXX, Well this is still incorrect so I initiated another dispute with all XXXX bureaus each time the lender has creatively updating my file but never removed or correcting the XXXX XXXX late XXXX notice it showed updated but nothing changed, XXXX noticed the XXXX was changed to XXXX XXXX, Experian was up dated added how much I paid on my loan each XXXX because I always pay more than my amount due. A XXXX dispute was requested now Experian is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX XXXX in XXXX causing my fico score to drop further. My account and credit file clearly state for the year XXXX, I made XXXX on-time payments another error. 
Experian, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a XXXX grace period therefore I have until the XXXXXXXX XXXX of the following XXXX to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This lender is the XXXX XXXX XXXX here I am the victim, the victim of XXXX XXXX. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX XXXX of the following XXXX to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.
Product: Debt collection

XXXX has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from XXXX however XXXX continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great stress and XXXX  in which I have had to seek medical attention for.
Product: Debt collection

On XX/XX/XXXX, an amount of {$1000.00} showed up on my XXXX credit report as past due and in collections by Credence Resource Management. This is the third time this past due amount has appeared on my credit report. It first appeared in XXXXXXXX XXXX XXXXXXXX by Credence Resource Management and removed in XXXXXXXX XXXX XXXXXXXX after I submitted a dispute to XXXX. It again showed up in XXXXXXXX XXXX XXXXXXXX by XXXX XXXX XXXX and was removed in XXXXXXXX XXXX XXXX after I submitted a dispute to XXXX. I have never had an XXXX XXXX XXXX XXXX XXXX account. 

I spoke to XXXX XXXX at Credence Resource Management on XX/XX/XXXX and he said the account was associated with the address XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX. I told him I never lived at that address or in Texas for that matter ( that address did show up on my credit report around XXXXXXXX XXXX XXXXXXXX and was removed in XXXXXXXX XXXX XXXXXXXX when I submitted a dispute ). After reviewing his files for a moment, he said I could either open a fraud report with the police, which he said would be a very time-consuming process ( trying to dissuade me from picking this option ), or I could pay a portion of the amount due ( why would I do that if it's not my debt ). However, he neglected to mention that if I did pay a portion, the collection would remain on my credit report even though the past due amount would be wiped out. I said no thanks and called XXXX to change my dispute to reflect fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent Experian, XXXX, and XXXX  a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. Experian  and XXXX  however did not ... even as type up this complaint on XX/XX/2021 at XXXXXXXX XXXX 60 days later they still have not responded. On XX/XX/ 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. Experian received my letter on XX/XX/ at XXXX XXXX. As of XXXXXXXX XXXX XXXX at XXXX XXXX  XXXX  still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. XXXX followed them so these two bureaus should as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is why my score drops drastically when I charge on my cards. When my score happens to go up its only 1 or 2 points. I NEVER!! Miss payments this is so unfair to people who pay there bills on time!!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was inaccurate account ( s ) on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about all three credit bureaus - XXXX XXXX and Transunion.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Product: Debt collection

A tree fell on my roof and the snow melted leaving my bedroom filled with black mold. When the maintenance removed the branches they broke my window. My attorney reached out no response for months. I moved.They kept my XXXX deposit and charged me XXXX. Therefore, I filed a civil lawsuit and I am prepared to ask for the maximum amount for damages. This is on my credit but there is no judgment from the court. This is an open case in XXXX County Magistrate Court naming XXXX XXXX XXXX as the defendant. You cant put this on my credit before the judge makes a ruling that I owe it.