23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I entered into a contract with National Recoveries , Inc to rehabilitate my direct loans that were in default. I sent them all of the documents they requested, we made a payment agreement, and they started billing my debit card for a monthly payment of {$190.00}. I was told that after making 10 on time payments I would come out of default and be placed with a lender. During the course of the 10 months National Recoveries called me multiple times insisting they never received any documents from me, that my signature was cut off, that I needed to sign all pages on the side and re-fax, etc. I kept faxing documents in spite of the fact that they must have received them because we had established a payment based on my income. At the end of the repayment period, National Recoveries requested that I electronically sign agreement for them to request my tax information directly from the IRS, which I did. My payment was originally based on my XXXX tax return. National Recoveries requested my XXXX tax return despite my contract and payments beginning in XX/XX/XXXX. I worked a lot of overtime in XXXX as I had two sets of loans in rehabilitation and I was paying for my oldest son to go to college. Because my income was higher than the previous year, National Recoveries told me I would have to pay over {$3000.00} or be kicked out of the rehabilitation program. I was unable to pay the additional money. I contacted the department of education and they told me I was never even placed in rehabilitation by National Recoveries Inc. Eventually, after multiple phone calls, the department of ed agreed to start taking my payments through their default resolutions dept. Unfortunately, no matter how much I send, it does n't touch the principal, only interest and fees.
Despite meeting my obligation and making 10 on time payments for the agreed upon amount, I have never been placed with a lender and continue to be in default despite those 10 payments and additional payments I have sent directly to the dept of ed including my XXXX federal tax refund.
Payments made through National Recoveries : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  Payments made direct to dept of ed : XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX My other set of loans, placed with XXXX, were rehabilitated and placed with a lender. I have been making payments to the lender for 15 months and am in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted the account listed below & they told me I've never missed a payment, yet Transunion refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 

XXXXXXXX XXXX XXXX Late Date XX/XX/21
Product: Checking or savings account

Capital One Bank ( 360 Savings ) refuses to provide some customers their 1099-INT digitally through their portal due to technical issues on their end. They are unable to solve the issue or provide an ETA for 1099-INTs to be available digitally.

Customer service confirmed this issue is not browser or device specific but due to customers with multiple products at Capitol One ( e.g a bank account and a credit card ).
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX of 2020 I was made aware of an attempt to collect a debt on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. 
his was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX XXXX therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 
This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The Bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred Credit This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit card or prepaid card

I XXXX XXXX NATURAL PERSON WAS DENIED CREDIT WITH BANK OF AMERICA. I CALLED AND SPOKE TO A REPRESENATIVE AND THEY WERE VERY RUDE AND I WOULD MUCH RATHER BANK OF AMERICA OPEN THE CREDIT CARD ACCOUNT BECUASE I AM EXGTENDING MY CREDIT TO THEM MY SOCIAL IS XXXX NAME XXXX XXXX DOBXXXX XXXX THEY WILL BE ABLE TO LOOK LE UP IN THEIR SYSTEM I WOULD LIKE THE CREDIT CARD TO BE OPEND SO I CAN DO BUSINESS WITH THEM I AM REQUESTING A CREDIT LIMIT OF XXXX THAT I WILL USE RESPOSIBLY AND PAY ON TIME. THANK YOU
Product: Debt collection

For the past two days, a business that I believe to be known as 'Juniper ( Credit Cards and Plans ) ' has been calling me around XXXX XXXX. They repeatedly call me throughout the day. For the time being, I blocked their number, but they have now woken me up out of a dead sleep two mornings in a row. 

They call from the number XXXX XXXX. Below are the call times : Monday, XX/XX/2019 XXXX XXXX  XXXX XXXX   Tuesday, XX/XX/2019 XXXX XXXX ( thus far. More expected )
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now Experian and XXXX added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by XXXX totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.
Product: Student loan

I was approached via cellphone from a company named  XXXX . This company promises to wipe out my {$16000.00} Federal school loan. This transaction was done all online with me first writing them a letter. This letter stated that I had  XXXX  income and was approved by the program because of my unemployment status. I was also asked for my income tax forms with social security and drivers license number which I provided the company. I was also told I was approved to pay  XXXX  dollars for 18 months, and that I also qualified to pay {$50.00} for 36 months. That after fulfilling this obligation I will owe  XXXX  dollars on my  Federal School Loans . But first I must sign a contract to pay {$1400.00} over the course of 18 months or 36 months. I became suspicious when  XXXX  told me I did n't have to do anything that they would contact the Department of Education and my creditor  XXXX  sending them a forbearance for my loan. And I wouldnt be responsible for any payment until  XXXX . Then I was asked to sign this contract for {$1400.00} which was the cost of my 36 month obligation of 36 month which is actually  XXXX  dollars and not  XXXX  dollars. I think this company was trying to qualifiy me and get me to sign as soon as possible. Is this company legitimating helping people this way with their student loans. Or is this just another way to lock me in a contract with them and other companies I know nothing about to defraud me of {$1400.00}?
Product: Checking or savings account

I opened an account with East West Bank and I had already made my minimum deposit of {$100.00} and it posted in my account already but I still unable to enroll to XXXX on the online banking or computer and I've been try to enroll to XXXX but it keep popping an error say " XXXX is currently unavailable '' and I had contact Customer Service so many time but no one has help me to resolve this problem yet.
Product: Mortgage

Specialized Loan Servicing LLC ( SLS sold my loan to XXXX XXXX. I had auto-payment set up with Specialized Loan Servicing. After loan was sold, Specialized Loan Servicing did not transfer or stop my auto payment while XXXXXXXX XXXX  said I was late with my payment in XX/XX/XXXX. I set up auto payment my self with XXXX XXXX  and Specialized Loan Servicing redeposited my funds. The next month Specialized Loan Servicing again attempted a withdraw from my account. I called them and they said they did not request the withdraw. They said they had no evidence a transaction had occurred and they could not fix the issue. The bank said there was nothing they could do at this time which is another issue. 

Withdraw transaction is pending as of XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2016 I submitted an application for loan modification through my mortgage company OCWEN. I owe more on my house, so I ca n't sell it. Plus, I pay about {$300.00} out of pocket because my rental income does n't cover the mortgage. I sent every required document that 's listed on a checklist that comes with the application. Initially, they needed an additional few documents, so I sent them. Then the next week, they needed something else and was a different person ( I have never spoken with my so-called " relationship manager '' ) ; it 's always someone else that I ca n't understand and that knows nothing about my case. Then the next week and so on. Never at any point in time have they spoken with me about my application or have been organized enough to tell me everything they were missing at one time so I could provide them with what they need. Another example is that they required my banking statements to be within 90 days of the application. Mine were valid, but they expired because OCWEN continued to " need additional documents ''. Today, they said that they needed rental income verification, which is a tax document and that amount is listed on the tax return. The caller on the OCWEN end had no clue what I was talking about. It 's as if they do NOT want to help me. Am I even talking to people in the banking business? My private information is out there ( and my husband 's ) and I 'm terrified. I am just trying to make a tough situation better and I want to document this somewhere in case they try to make me foreclose ( i 'm making my payments ). As a consumer, I have no control over anything and OCWEN knows this. I am at the mercy of this company that has been in trouble for their dishonesty once already.
Product: Credit card

I use American Express to the most of charges at my business, and use to pay the balance monthly. 
In XXXX I couldn't pay the total, so I finance {$7300.00}, and pay in full next cicle. 
They Charge {$390.00} wich was fine. 
But in the next cicle even when I paid the full amount of {$25000.00} on time, they still are reflecting {$440.00} So They are charging {$840.00} for just {$7300.00} that I miss to pay in XXXX cycle, that means almost 140 % of interest.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. 
XXXX XXXX XXXX
Product: Bank account or service

For the past year I have been having trouble with my child support depet card. It never on it on time and I can never get live person on the phone to find out where 's my money or when should I expect it to be on the account. It 's take XXXX XXXX weeks for is to finally just show up for me to be able to use. Now this is a very pain in the XXXX not to mention it against the law to keep a on to money that by court order I 'm suppose to get in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XXXX XXXXXXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, To whom it may concern On XX/XX/2018 I paid to Chase the full amount of {$4100.00} and paid off my car. For some reason the person who took my call did not verify with me all the information a had provided to them about my bank. Two weeks later I received the title of my car. Then a week later I received a letter from chase saying my payment did not went through and that my account was open again. I call them gave my information again the person who answer me double check the information I gave them and my payment went through 3 days later. So when chase reported this to the credit bureau it hurt my credit and drop 29 points on my credit score. I should not be penalized on my credit score and I want those points back. If anything my credit should have gone up for paying the last 6 month in full. My score went from XXXX on XX/XX/2018 to XXXX on XX/XX/XXXX. May you please help me recover my points as I am looking to buy a house and I dont want to get higher rates because of my score drop. Both my credit bureau XXXX XXXX and XXXX  dropped. Thank you in advance for your consideration. 

Best Regards, XXXX XXXX Cell : XXXX XXXX XXXX
Product: Mortgage

I received my regular invoice from my mortgage company in XXXX and it had the normal totals. In XXXX, I was sent an invoice that shows that I owe {$9600.00}. Five days later I received another statement for XXXX shows that I 'm even more severely behind without making any payments since at least XXXX of this year ( which is untrue ), and I owe {$13000.00}. I have not missed any payments, and I 've called my mortgage company unable to get anyone to answer after XXXX minutes of holding almost each time. I emailed them and was given a response that they would mail an update to me which I have yet to receive. I followed up with that email, and they will not respond to me. They give you an extension for your account representative, and the extension does not work. This is not the first time that I 've found that they have unscrupulous accounting practices, however I desperately need assistance to get this resolved quickly.
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. 

Account Name : DEPTEDXXXXXXXX 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 has violated my rights. Or a list of inquiries : 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: Debt collection

Complaint against NewRez XXXX Shellpoint as successor to Specialized Loan Services, LLC ( " SLS '' ), Qualified Written Request under RESPA ; Debt Validation request under FDCPA and demand for disclosures under TILA to verify ownership of alleged " mortgage debt '' and provide me with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation.

Pursuant to 15 USC 1641 ( f ) ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. 

On XX/XX/year>XXXX  SLS sent me AI-generated unsigned letter ( attached ) informing me that " the servicing for your loan was transferred '' and SLS will start to collect my payments starting XX/XX/year>. 

This is my QWR, DVR and demand under TILA disclosure to provide me with the name, address, and telephone number of the owner of the obligation who paid money for the debt as required under UCC Art 9-203 ; or the master servicer of the obligation who authorized SLS to collect my payments and who was entitled to receive my money, with a XXXX signed authorization from the owner of the obligation to verify that SLS was authorized to collect my payments I demand a respond from the real human authorized employee of NewRez who has personal knowledge about this transfer and whom I can contact directly in person. No runarouds from artificial intelligence.
Product: Debt collection

I'm frustrated with the fraudulent accounts on my credit report, and I warn that any non-compliance by your bureau may lead to legal action. It's unacceptable that only your bureau continues to report these accounts, causing harm to my credit score, while the other bureaus and creditors have already addressed and removed them. I demand immediate action, a thorough investigation, and written confirmation of the resolution to avoid legal consequences. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the Consumer Financial Protection Bureau against CoreLogic we're not placing a security freeze on my CoreLogic credit file for the second better they are telling me CoreLogic is a reseller of the consumer report information provided by three National Consumer reporting agencies but I know they do play security freezes because I had a security freeze with CoreLogic before. Now I'm filing my second complaint against CoreLogic for not placing a security freeze on my credit file.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DISCOVER FINANCIAL SERVICES XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off DISCOVERBANK XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have my name corrected with Transunion multiple times. They have my name as XXXX XXXX. I submitted my Driver 's license and provided a police report and FTC report to show that my name was incorrect. They still have not updated it. I have submitted documentation 5 times in the past XXXX years and it still remains. I have also submitted documentation showing that the XXXX " XXXX '' accounts and " Through the XXXX XXXX are also a result of identity theft but they have not removed that either. I submitted a police report and FTC report regarding that as well.