23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the third time in the past two years that a collection agency has taken this same tactic to collect {$1800.00}. I am assuming it is again a subsidiary of XXXX XXXX XXXX that has falsely claimed that I used their services and owe them debt. I have disputed and cleared the previous two errors ( or so I thought based on meaningless follow-up communications ). I would try again to work with this new debt collector, but this problem is too pervasive. How can XXXX XXXX XXXX and XXXX ( which was just sold this past week ) create erroneous billing records and then knowingly sell the unverified debt? 

I called Enhanced Recovery Co L at ( XXXX ) XXXX. I could not get past the virtual operator, who kept demanding account numbers ( that I do not have for this erroneous claim ) as well as my complete social security number ( not just the last XXXX ). I would never trust these people with my social security number. 

The debt collection agencies change in name, but use the same abusive tactics of submitting minimal, unactionable details only to the credit reporting agencies to damage credit scores in the hope of forcing some type of payment even though nothing is owed ( legitimate or verified ). 

I have never received any tangible, actionable details in writing or via a call from Enhanced Recovery. 

How long is this ridiculous practice going to go on? Why don't they have to provide actionable details before they inflict meaningful damage to credit scores with erroneous information? Will I ever be able to make XXXX XXXX XXXX to clean my details out of its system. By the way, I have not used any any XXXX XXXX XXXX  service in more than 20 years and I never will again either. I realize that XXXX was sold this past week, but any past billing matter would have been under XXXX XXXX XXXX 's ownership.
Product: Debt collection

Service provided by anesthesiologist for cataract XXXX for my husband in XX/XX/year>. Insurance coverage, paid the same amount ... IQMS sent 2 notices of non payment and was personally paid with XXXX funds 2 days after insurance payment unbeknownst to me. I was informed by my XXXX XXXX ( hubby is on my insurance ) of the double payment and my requirement to reimburse my XXXX which I had to do for access of my remaining monies. I have contacted IQMS MANY times and sent documentation to verify the above and have received confirmation from them that the money is due..promise of call back and return of funds has never materialized months later. Calls from me XXXX *******, XXXX *****, XXXX *****, XXXX *****, XXXX *****, XXXX ******, XXXX *****, and other times since XXXX ... one of the most recent conversations I was told that a XXXX is following up and I should have my refund because the double payment was verified. Help please because I'm getting no where and they are not responding and refuse to provide contact info for the anesthesiologist for a direct request.I alattached the forms from XXXX that they had paid ... also fact notification that my XXXX  payment was denied because of insurance paid .Several CS Reps with this company acknowledged the double pay and indicated they would reach out for reimbursement ... never received any update ... no reimbursement. I had to repay to my XXXX  because of and provided payment verification to no avail.
Product: Mortgage

XXXX   XXXX     XXXX   XXXX    ak  a fnf servicing inc  misapplied a large payment in  XXXX  I sent {$15000.00} which was by cashiers check I clearly denoted that  XXXX  of the total amount was to be applied to a balloon due  X/X/2017  I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is  XXXX  this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated  X/X/2017  also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to  XXXX  lenders
Product: Student loan

I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report for the past 2 months, I have noticed my account information has not been updated per the documentation I have provided directly from the XXXX. I spoke with Equifax prior to this and they stated XXXX verified this information to be true. XXXX FCRA, credit reports must be updated every 30 days with the upmost current information. If any information is incorrect per the consumer, we have to right to dispute and obtain a fair investigation on the account. 

The XXXX  does not show the updated information, it is outdated over 60 days of data. Credit balance, XXXX XXXX, XXXX history, and the worst payment. These categories are outdated over 60 days. This backdated information has stalled my home buying process again. I have attempted to update this information several over times with Equifax requesting for an update. In addition, to sending disputes to get my account updated, I have called as well. Unfortunately, none of the attempts has been successful, and the XXXX documentation has been ignored. Each time my dispute was complete, it only shows the creditor verified information but that can not be correct because the balance has stayed the same for 60 days, last payment status shows since XX/XX/2022 but my last payment was on XX/XX/2022, payment status shows " no info '', worst payment has a dash instead of data reported. 

This compliant to assist with updating my XXXX account accurately. I have more documentation attached this compliant. XXXX documentation showing the credit statement balance. Communication showing the documentation came directly from XXXX. Credit Report showing the outdated information deflecting the most updated information from 30 days instead showing more than 60 days ago. most recent payment to XXXX on XX/XX/2022. 

Please update Equifax with the updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Product: Student loan

I attended XXXX XXXX Spring of 2007. I took out private loan but didn't clearly understand the paperwork that was assigned to me. Recently I see XXXX closed down and had to settle out of court to either forgive or waive the loan balance. Current balance is {$11000.00}. With the recent lawsuit and settlement I would like to know if I qualify and to have Navient remove the loan off my credit report
Product: Credit card or prepaid card

Previously, all three of my credit accounts with Barclays had a higher credit limit than they do now. I used these accounts exclusively for balance transfers, and purchases. I even paid them off several times to. Despite all of this, Barclays punished me, restricting my accounts by significantly lowering the credit limits. These restrictions prevented me to purchase XXXXXXXX XXXX XXXX tickets due to the lowered credit limit. on account XXXX, Which is now account XXXX.Recently however, Barcley sent me checks to do balance transfers on account XXXX, which I did. Unfortunately., because of the restrictions. I can only do a limited amount of balance transfers due to the lower credit limit on this account. I was told by Barclay 's representatives that these restrictions would be lifted after six months. It has been almost a year and the restrictions are still there. Please keep in mind that I did not receive any points on these Barclays account ending in XXXX, or XXXX for making XXXX XXXX purchases with these cards. These accounts were flagged by XXXX ( XXXX ) because Barclays lowering the credit limits so low that I lost points on my credit scores from all three bureaus all at the same time, and for the security breaches found
Product: Student loan

I have a number of loans serviced b y PHEAA. I also h ave a number of consolidated loans serviced by  XXXX   XXXX . I am currently paying, on-time, income-based repayments to the consolidated loans serviced by  XXXX   XXXX . I have been unable to get PHEAA to create an income-based repayment plan for the loans serviced by them, and so I have spent the past 6 months wasting deferment, which should be used only in cases of emergency, and not for staving off the ill-effects of PHEAA incompetence.     6 months ago, I submitte d IBR  requests via   XXXX   The request sent to  XXXX   XXXX  was processed immediately, and I began making on-time payments. Because this was my first time making loan payments, I assumed that I had everything squared away. 2 months later, however,  PHEAA  informs me that I am behind on payments.     As it turns out ( and according to a CSR fro m PHEAA with  whom I discussed this matter ), at the time that I submitt ed my IBR requests, PHEAA was not accepting online IBR requests f rom  XXXX . PHEAA did not inform me of this, and so I was unaware, at the time, that the request had not been processed.     For the past 4 months, I have submitted complete forms and supporting materials  to PHEAA to attempt to create an IBR plan. Over these 4 months, PHEAA has had a number of failures : Thei r website would not pull from federal IRS forms, their online uploading system has been down, their auditors have failed to comprehend even the most clear documentation of income, In those 4 months, I have never had anywhere near the income to pay the required payment, absent an  IBR plan. This means I have had to use my precious little deferment while dealing with constant delays and failures on the part of PHEAA. Not only that, interest has been accruing on accounts that should have begun receiving payment, had PHEAA processed, in a timely or accurate manner, any of the numerous IBR plan requests I have sent them in that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My VA home mortgage with XXXX was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, XXXX had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that XXXX reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my XXXX account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as XXXX pt in the next week or so.
Product: Credit reporting or other personal consumer reports

I am writing today to contest the negative entries on my credit report. 
Regarding the requirement for documentation, I discovered that my local law enforcement office no longer handles such cases. Instead, they directed me to file a report on the website XXXX I have followed this guidance and have also informed my bank, which has committed to removing the items but requires your assistance in the process. I am including these reports with my letter to support my claim. 
The listed accounts below do not pertain to me and must be removed or blocked : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Product: Student loan

I am XXXX years old. I went back to college about XXXX and, unfortunately, I selected a school called XXXX, later known as one of the " XXXX '' schools. I took out several student loans totalling about {$15000.00}. 
I have been unemployed since XX/XX/XXXX and have had my Navient account in forbearance. I just learned today that I am no longer eligible for forbearance or deferment, and my account will be going to collections. I filed Chapter XXXX bankruptcy in XX/XX/XXXX, but Navient claims they have no record of that bankruptcy. I am concerned that if this account is in collections when I turn XXXX and I apply for social security, that Navient will garnish my SSI. I have been awaiting a solution for students of the XXXX disaster, but nothing has appeared yet. 
How can I prevent my account from going into collections pending a sollution for students that were defrauded by XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I have an inaccurate item on my credit and it does not belong to me and I would like it to removed because it does not belong to me In accordance with Fair Credit Reporting Act 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

The company is : West Side Lending, LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX westsidelend.com XXXX XXXX XXXX XXXX, WI XXXX ( Toll Free : XXXX ) ( Finance : XXXX ) ( Tribal Dispute : XXXX ) ( Fax : XXXX ) Loan # : XXXX Agreement Date : XXXX Effective Date : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Street City : XXXX State : IL, Zip : XXXX Phone : XXXX Email Address : XXXX Annual Percentage Rate : 772.19 % Finance Charged : {$2600.00} Amount Finance : {$400.00} Total of payments {$3000.00} I have made 10 payments of {$59.00} And ONE payment of {$25.00} ALL ON TIME NEVER LATE!!! 

THEY REFUSE TO CLOSE OUT THE ACCOUNT. SAYING I OWE UNTIL XXXX After they specifically said if I borrow XXXX. I would pay back XXXX. 
So far I paid XXXX for a XXXX Loan!!! Please HELP ME THIS SCAM IS DRAINING MY BANK ACCOUNT FAST.
Product: Student loan

I make all of my payments on time and even sometimes make some extra payments on my student loans. However, Navient makes repeated errors in crediting my payments and the only way for me to get them resolved is I have to call and spend 20-30 minutes on the phone whilst they correct the mistake. The errors are always by their representatives, often just typing wrong numbers in but the company does nothing to correct them unless I call to complain ( and wait on the phone ). Last year, they made so many mistakes I demanded compensation and after first telling me that the Dept. of the Education does not allow it, I forced them to escalate until they determined that they were allowed to credit me with {$25.00} but even that they struggled to do correctly. If this sounds generous please realize that I spent about XXXX hrs on the phone to get to the point of getting compensation but I was determined to try and get some level of accountability out of the company. All was fine for a few months but now they have just taken a payment, failed to credit it to my loans and I have spent 30 minutes on the phone whilst they correct it. I had even received a confirmation email of the payment but the employee had apparently left one number off the record and so the money was put in some Navient holding account which they do not look at unless a customer calls up to complain. Eventually I was told they would have reversed the payment but meanwhile they would be making interest on the funds. I see no reason why they would not automatically look at funds entering the account and see what the problem is. My case would have been simple to solve without even contacting me and this is what any reputable company would do. Additionally, any ethical company would compensate customers when a company representative makes errors which cause the customer to have to waste time on the phone whilst they correct them. Perhaps a 12 month rolling schedule where first mistake is {$25.00}, next one {$50.00} and so on because I really do not get the impression that Navient is interested in being accurate so financial penalties might get their attention and would at least compensate customers for the inconvenience. 
Lastly, why will Navient not accept a credit card payment online for the regular monthly amount but will over the phone? Makes no sense and if they did it would help reduce their error rate. They also do not accept extra payments online even if you use a bank account ( seems like they do not want to encourage people to pay off loans early ) and so force you to call them to do so. 
This company has not changed any of his practices in the last 2 years and the problems and wait times are only getting worse. Please hold them accountable and make them address these problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a case with CFPB ( XXXX ) on XX/XX/2022. The company responded quickly on XX/XX/2022. They stated they would resolve the situation, " As part of our investigation, we reviewed your account history and submitted a request to each credit report agency to remove the account from your credit report. Please allow up to 30 days for the update to be reflected on your credit report ''. I was very happy with the decision. I waited patiently for 60+ days for the account to be removed from all agency reports. They were not removed, so I emailed the company on XX/XX/2022. I have not received a response. I am only asking for them to follow through & remove the account from my credit. 

I am attaching the original case & response from the company stating they would request the removal of the account from my credit history.
Product: Credit reporting or other personal consumer reports

There is an account on the Chex system report that is not mine. This is identity theft. Please remove it.
Product: Credit reporting or other personal consumer reports

JPMCB - Chase Bank is reporting late payments as well as delinquencies when it comes up on my credit bureau 's. This account was paid in full one year before the loan length. I should show a " 0 '' balance paid as agreed but they continue to report late payments.

As per your rules 1016.7 I have never been given an opt-out notice nor have they followed Title 15 chapter 94 Commerce and trade Subchapter Sec. 6802- obligation with respect to disclosures of personal information. They never supplied section 6803 as prescribed under section 6804. I am asking for a complete removal of this reporting to all credit bureaus.
Product: Credit reporting or other personal consumer reports

You must promptly adhere to FCRA 605B by eliminating any incorrect accounts from my credit report. Please examine the documents immediately ; some accounts have been inaccurately reported in terms of amounts and dates.
Product: Credit card

PAYPAL, INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS COMPANY HAS CONTINUED TO CHARGE ME NUMEROUS OF LATE CHARGES EVEN THOUGH MY PAYMENT WAS RECEIVED BEFORE THE DUE DATE. IN XXXX IS WHEN THIS FIRST STARTED. THEY CALLED ME ABOUT A PAYMENT THAT THEY SAID THEY DIDN'T GET. I CONTACTED MY BANK WHO TOLD ME THAT THIS PAYMENT WAS ALREADY COLLECTED BY PAYPAL INC. MY BANK SENT ME A COPY OF THE FRONT AND THE BACK OF THE CASHIERS CHECK. PAYPAL CHARGED ME LATE FEES IN XXXX AND XX/XX/year>. I JUST RECEIVED MY BILL VIA EMAIL AND THE LATE FEES ARE NOT {$58.00} OVER THE PAYMENT THAT USE TO BE {$110.00}. WHY IS IT TAKING THEM 3 MONTHS TO FIX THIS MISTAKE? 

I FILED A COMPLAINT THROUGH THE BETTER BUSINESS BUREAU WHO SHOWS THEM HAVING XXXX COMPLAINTS FILED AGAINST THEM. XX/XX/year> I ALSO FILED A COMPLAINT WITH THE XXXX  STATE ATTORNEY GENERALS OFFICE. XX/XX/year>
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$4400.00}
Product: Bank account or service

I bank at fifth third bank. I pay my bills online. Today my available balance is {$2400.00}. My bank summary says i have {$240.00} in pending transactions. But I know better. I must go further into my account under the pay bills tab to see that {$2000.00} in bills were paid online today, and are listed as paid. This money is not included in available balance, posted transactions or pending transactions and makes my balance seem higher. When I tried to contact them through email I got an error message so I thought I 'd let you guys know. It seems like they are misleading people about their balance by leaving out PAID monies from available and pending balances. I do n't doubt that they have covered themselves legally but the numbers are very misleading.