23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Good afternoon, I enrolled my XXXX year old son in XXXX back in XX/XX/XXXX in XXXX, XXXX. I dis-enrolled him in XX/XX/XXXX because I did not see any results as promised and I found a teacher in his school who could provide tutoring to him after school. I signed him up for 110 sessions and we only used 31 of the sessions at the time of dis-enrollment. When you enroll in XXXX you have the option to take out a loan with Comenity-Your Tuition Solution Bank for the amount of your sessions and if you dis-enroll XXXX is supposed to notify Comenity-Your Tuition Solution in writing and I am supposed to receive back from Comenity-Your Tuition Solution the money for the unused portion of the loan. I met with XXXX on XX/XX/XXXX to dis-enroll and have been trying to get my account closed and settle with Comenity-Your Tuition Solution since that date. I have contacted XXXX numerous times and have always been told that someone would call me back or that the manager Ms. XXXX XXXX was out of the office and she would call when she returned. I am in the military and have been stationed in XXXX since XX/XX/XXXX, so I am no longer in XXXX XXXX. I did go to the office several times to speak with Ms. XXXX but she was never in the office. The amount of the loan that was taken out to over the tuition was {$5300.00} for 110 sessions. I have contacted Comenity-Your Tuition Solution and they informed me that I had to work with XXXX to get the account settled. I have attached the documents I received when I dis-enrolled, if you review the attached documents you will see that I should only have been required to pay {$2200.00} for the sessions that XXXX had completed. I do not believe that he even completed the 45 sessions that are stated on the receipt page 5 because on page 1, 2, and 7 it shows that he attended 30 classes would should have been approximately {$1400.00}. I am still receiving bills and continue to pay because I do not want this to ruin my credit. If you can please help me get this resolved I would greatly appreciate it. I am sure that other families in the XXXX area are dealing with the same problem and it is such a shame that this company is taking advantage of Soldiers. 

Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against MACY 'S for breaking my consumer rights. MACY 'S shared my personal financial information with other companies, including banks and credit reporting agencies, without giving me the chance to opt out. This violates both Federal ( Gramm-Leach-Bliley Act ) and New Jersey State laws ( NJCFA and NJ Identity Theft Prevention Act ). I told MACY 'S that I did not agree to them sharing my private information, but they claimed their privacy policy allowed it. However, their policy does not override these laws. 

XXXX XXXX XXXX is listed as the current creditor on my loan, but I never signed an agreement with them or gave MACY 'S permission to share my information with them. I asked MACY 'S for detailed information about my loan, including proof of who funded it, but they only sent a copy of a promissory note, which is not related. This raises concerns about violations of the Truth in Lending Act ( TILA ). 

MACY 'S also ignored my request to send all mail to a specific address and continues sending mail to an inconvenient address, which invades my privacy. Sharing my information without consent amounts to identity theft under Federal law and violates other laws meant to protect my rights. 

The promissory note violates several laws, including TILA and UCC, making the contract void and unenforceable. MACY 'S and XXXX may owe me damages for breaking these laws, including the XXXX, the NJ Identity Theft Prevention Act, FCRA, TILA, XXXX, and COM.
Product: Credit reporting or other personal consumer reports

I recently discovered a fraudulent and unauthorized child support delinquency reported on my Experian credit file. The account in question is listed under the name " XXXX XXXX XXXX, '' was reported on XX/XX/XXXX. I have never authorized, enrolled in, or consented to any child support program, nor have I provided my Social Security number or personal information for the creation of this account. 

This appears to be a case of identity theft or an administrative error, and I am requesting an immediate investigation into the legitimacy of this account. The fraudulent reporting is negatively impacting my credit score and financial standing. 

On XX/XX/XXXX, I submitted a formal dispute with Experian, but this issue remains unresolved, and the unauthorized account is still present on my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and requesting the removal of this unverifiable and unauthorized entry.
Product: Debt collection

Company is Regional Finance. Their ph number is XXXX. Repeatedly calling me on my cell then XX/XX/2020 called me at work on my employers ph. Then called my cell for the 30th plus time and left voicemail stating I was going to be sued and they were going to garnish my wages to 25 %. I explained my hardship to them and that I was currently using a debt settlement company. I have saved the threatening phone message.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 On this date, I noticed a collection on my XXXX XXXX account from a debt collector company Credence Resource Management, originated from XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/2021 On this date on my credit karma account, i also noticed a collection from XXXX XXXX XXXX originated from XXXX XXXX XXXX in the amount of {$450.00} I called the debt collection company and they mailed an identity fraud package, which i am currently working on, i will be going to get an Identity Fraud Report from my local law enforcement agency on Monday I never used XXXX XXXX XXXX services, never received any calls or emails from them, i never lived in the address the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW EQUIFAX Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights.

Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy.

Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i )
Product: Student loan

I asked my servicer, Nelnet, to change me to the SAVE repayment plan. They informed me that I would need to start a completely new application, which I then did. Three weeks go by, and I get an email saying that in order to continue with my application, I must make a payment immediately. My payments on my Income-Contingent plan were set for 2024 and were at {$0.00}. However, now they were not at XXXX and simply as a result of asking Nelnet to change my plan, they require money. 
I was not past due or in arrears. I was not in default. I just wanted a simple switch but they would not do it. 
I don't think I should have to pay them for them to do this simple switch. They seem incompetent and unreasonable. Plus, in their emailed request there is no indication that I will be put on the SAVE plan ; they simply wanted money, now, to continue. I told them to change it back and that I am filing a complaint. 
Nelnet is terrible. They fully deserved their $ XXXX fine for doing these types of things, and they are still doing them. They deserve another fine. I am unhappy having been switched to this terrible servicer.
Product: Debt collection

Allied Coll is reporting that they hold the debt for an account I had with XXXX. I made arrangements and paid XXXX directly, paying off the debt ( copy of payment to be attached ). Allied should not be reporting anything on my credit reports. Please remove immediately from XXXX  and XXXX
Product: Credit card or prepaid card

On XXXX I bought a refrigerator from Lowes using my Lowes C/C. The item was delivered about a week later with doors that were misaligned and 5 huge dents. The delivery folks took pictures and then refuse to take the damage refrigerator back. With in a hour I drove to the Lowes store in XXXX NC and spoke with the appliance manager. He told me since it was ordered on line that there was nothing that he could do and gave me a sticker with their distribution center. After 3 calls I finally was able to get a date to pick up the damaged refrigerator. when the folks came to pick up the unit I asked for paperwork to confirm that they have indeed taken the item. 
Synchrony Bank investigated it for some 60 days and said since I have the item I must pay for it. In XXXX I refiled my claim and again waited 60 days with no contact, no resolve and I am being charged interest and monthly for an item that was returned 5 months ago.
Product: Credit card or prepaid card

I recently opened a dispute with American Express regarding a transaction of {$1600.00}. American Express kept postponing the dispute decision. After a while, they closed the dispute since they believed " according to the transaction '' circumstances they couldn't verify that the merchant failed to deliver the product. 

This is completely disgraceful since I provided them with proof that the merchant failed to deliver such goods. This leaves worried and anxious to use American Express again because I feel that merchants can get away by breaching the rules of terms and service and AMEX can't do anything about it. 

I am extremely mad and frustrated.
Product: Mortgage

I have a written statement explaining that I applied for a loan modification and was denied because they stated that I had received my allotted time fort a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Debt collection

Complaint against Nationwide Title Clearing and its robo- signers Notary XXXX XXXX and XXXX XXXX and Demand for Verification of " Notary XXXX '' and " XXXX XXXX XXXX signatures and personal meeting with her, XXXX XXXX and their supervisors. 

I found numerous Assignments of Mortgages and other documents in different States with absolutely identical stamped signature of " Notary XXXX XXXX ''. 

I have reasonable doubts that XXXX did not attached these signatures; did not authorized use of her electronic signatures ; and does not know who use these signatures. 

In other words, my Assignment is a text book forgery. Moreover, I have doubts if " Notary XXXX is a real person who is employed by NTC and who Notarize these assignments. 

Under Uniform Electronic Transactions Act ( UETA ) I have right to demand a letter of Authorization and Acknowledgements from Notary XXXX and XXXX XXXX that they personally prepared attached Assignment and disclose the name of the authorized officer from my Creditor who instructed them to prepare this Assignment.. 

UETA includes provisions regarding the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand Notary XXXX and XXXX XXXX provide me their wet-ink signed Affidavits, and schedule a phone conversation with XXXX XXXX and XXXX XXXX to discuss based on which documents they prepared Assignment of Mortgage to XXXX who has no idea who is the owner of my alleged debt and can not tell me whom they servicing all this time. 


I also demand a personal meeting Notary XXXX and XXXX XXXX in their office, where they can show me documents based on which authority XXXX XXXX acted as XXXX Vice Presdient and transferred alleged " Mortgage with XXXX '' to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

My mortgage loan was assigned to Ocwen XX/XX/XXXX and monthly payments have been scheduled to be deducted directly from my bank. This has worked until the XX/XX/XXXX payment which I authorized to be deducted XX/XX/XXXX failed to process. On XX/XX/XXXX I contacted Ocwen to determine what happened and the C/S agent claimed my bank XXXX XXXX had rejected the the draft because incorrect data. No changes have been made on my part to the drafting process that has worked for the past two plus years and my account has substantial funds available. In fact, I have been paying additional principal each month. C/S suggested I go on the Ocwen website to reschedule the payment. Made XXXX unsuccessful attempts after which I called C/S again to advise that the website was locked up. Spoke to representative in Ocwen escalation dept to review issue and was advised they would investigate and advise. Notified him that I would send a check priority mail to ensure there would not be a delinquency on this payment. Also advised him that a {$25.00} charge was added to the amount due and must be removed as invalid. I requested the escalation manager provide me with a written explanation of what took place and when the issue would be resolved. On XX/XX/XXXX I received a statement showing my payment received XX/XX/XXXX and indicating the entire payment was applied to the principal balance even though no payment was debited from my bank and listing the next payment on XX/XX/XXXX as double the normal payment. This makes no sense since my payment sent priority mail had not been received at the time this statement was generated.. In the meantime, I have been playing phone tag with the escalation manager. The integrity of Ocwen 's data is seriously questionable and I wonder why XXXX would continue to use them to service loans.
Product: Checking or savings account

On XX/XX/2023 I deposited a check {$5200.00} through ATM I was told by a rep funds available XX/XX/2023 then they did a extended hold til XX/XX/2023. On Thursday XX/XX/2023 I went in to the branch and deposited {$4000.00} from same title company bank. I ask the teller how long for a hold and he said 24 hours. The next day the {$4000.00} was in my account. I woke up this morning to a alert that Bank of America took the {$4000.00} back and put that check on hold and now I am negative {$3700.00}. I have items going through and I most likely will be charged fees. I called the customer service and ask why did they take back funds that was already cleared. They said the teller put it in wrong. That is not my fault. So this check not available til XX/XX/2023. I called the title company and they check with the bank and the bank has already paid the funds to Bank of America. First I was lied to about funds being available on XX/XX/XXXX then on another check they put the funds in my account then take back. Both checks are good. I am a real estate agent and those are checks from XXXX XXXX XXXX XXXX. I sold 2 homes in one week. If the other bank has paid already both of my checks that I work hard for should be released but most of all they should not take funds back after releasing due to the teller making a mistake which he did not because I saw him take pictures of the front and back of my check. I get direct deposits on the XXXX and XXXX XXXX of the month from my employer and now I had to open another account with another bank to get my direct deposit. Bank of America has put me in a very bad position. They have my money and is going to get extra because I have things going through my account and now it is overdrawn.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX of a new hard inquiry on XXXX XXXX however this inquiry was not by me with Capitol One. They were contacted toady XXXX and notified of fraud and company stated that they will report the fraud and reverse inquiry and it should be indicated on report within the next 60-90 days.