23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Recently my student loans were bought by Nelnet from Great Lakes. They told me interest starts again in XXXX. However, I am a student and am trying to get payments deferred. I tried to make an account but the website says unable to make an online account. I tried resetting my username and password ( in case the account transferred over ) and it says it sent me an email but won't tell me what email it was sent to so I never received anything. 

I attempted to call the customer service line within the stated hours on the website, and it keeps telling me there is a 30-minute wait, followed by its 'out of hours ' then forces an end call. I have called them at least 5 times between XX/XX/XXXX and XXXX. 

This is either a predatory action to make more money due to interest by making the process for customers overly complicated and confusing. Or this is straight-up negligence and this company should not be in the finance field.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity Financial , LLC has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that you are reporting inaccurate information on my credit report. Bankruptcy can be on credit report only 7 years, please update it on my credit. 

Bankruptcy chapter XXXX-discharged XXXX Any other entries must be removed. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Mortgage

In XX/XX/XXXX, during the mortgage meltdown, our equity lender Nave Federal Credit Union ( NFCU ) foreclosed on our home. During the foreclosure process, they refused to negotiate with either us or our attorney, despite raising our equity loan payments from {$500.00} per month to over {$3000.00} per month. 
We are federal employees with security clearances and just found out that even though the equity loan was part of the foreclosure, NFCU is reporting this as a " chargeoff '' on our credit report which is now effecting my financial credibility during my reinvestigation. I 've reached out to NFCU for resolution and they 're referring me only to their collections division. The foreclosure was in XX/XX/XXXX.
Product: Vehicle loan or lease

I had a car loan through XXXX XXXX XXXX which was acquired by Huntington National Bank, based out of XXXX, Ohio. I paid my SUV off on time on XX/XX/XXXX with no late payments for the life of the loan ( began in XX/XX/XXXX ). 

They still have not sent me my title and I have contacted them over 5 times about this issue. They keep saying it will be sent but when I call to ask if it 's on its way it 's always still " in process ''. 

I finally asked for a tracking number in XX/XX/XXXX for the title so I would know if it was on its way and they created a fake one that says " label created but not in the system ''. It 's XX/XX/XXXX now and still nothing. The loan ended almost 12 months ago and I would like to sell the vehicle but I need my title! Please help!
Product: Checking or savings account

I purchased merchandise through my Chase XXXX account but never received it. The seller promised to refund me, but that did not happen. I have documentation to support my claim. I spoke with Chase, and they informed me that they could not assist me and would not open a dispute.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by XXXX, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That XXXX credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within XXXX business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from XXXX. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXX XXXX  ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXX XXXX  on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer FICO score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer FICO credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!
Product: Mortgage

XXXX XXXX ( NMLS ID XXXX ) from XX/XX/XXXXcontacted me to refinance my loan. He said that we could remove the PMI from the loan and save me on my monthly payments. 

He was stating stating my new monthly payments would be {$1600.00} and provided me with a Loan Estimate. Leading into the closing, it was never addressed that my monthly payments would be any different. 

On XX/XX/XXXX, we had our closing schedule. While going through with the closing, I noticed that the new monthly payments had changed to {$1800.00}. 

I stopped signing the closing papers and called XXXX XXXX. He said he didn't get a chance to look at the documents before the closing and that he didn't have access to his PC as it was being worked on. 

I did not hear from him until later asking to have a conference call with him and his boss on XX/XX/XXXX at XXXXXX/XX/XXXX 

They finally called me on XX/XX/XXXX ( they were late ). During the call they were saying that the taxes in the area had risen significantly and this is the reason why. They said they had used the taxes from XXXX to do my estimate. They then continued to try and tell me that my existing mortgage company is not taking enough out in my escrow and that if I did not move forward with XXXX XXXX Mortgage, I would be short by more than {$1000.00} on my taxes for the next tax payment and that when that happened my existing mortgage company would either demand that I pay in full or spread it out in 6 months and that I would be better off moving forward. I asked if we could wait until Monday so that I could talk to my existing mortgage company before scheduling the closing and they said No. If I did not schedule the closing for Monday, it would be too late and that I would have to pay my Mortgage for XXXX and would not get the 2 month break on paying my mortgage like they promised me. So I said to go ahead and book the new closing for Monday, XX/XX/XXXX. 

I then spoke to my husband about everything and we both agreed this did not feel right and to cancel the entire thing. So I emailed XXXX XXXX on Saturday, XX/XX/XXXX around XXXX XX/XX/XXXXCST and told that we decided not to move forward and to cancel this. 

I spoke to my existing mortgage company today XXXX XX/XX/XXXX XXXX to discuss my XXXX account. They said they just did an analysis on it last XXXX and they believe they are in line with my estimated taxes for the year. 

I also noticed that on the Closing Disclosure, the closing costs where {$2000.00} more than what was on the Loan Estimate and this also was not disclosed to me before the closing. 

If I had moved forward with River City Mortgage, my monthly payments would have risen by {$10.00} more a month, even though I would no longer be paying PMI. I feel that they tried to do a bate and switch on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Here is the list of erroneous items found in my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, XXXX. I noticed an unauthorized inquiry made by your company CITI CARDS/CITIBANK Cbna on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 )  business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sirs, recently I applied for a loan to finance an rv trailer. One institution, XXXX XXXXXXXX XXXX, sent me a letter saying they denied their support based on a consumer report from Trans Union LLC. They also advised I have a right under the Fair Credit Reporting Act to get a free copy of the report. 

I called Trans Union and was put through a long automated process to collect my information. During that call they attempted four times to sell me services I did not want. After my last rejection of a paid service, the service said " sorry, we are unable to complete '' and hung up. 
I then attempted to use their online website. Their hyperlink for consumer support goes to an unsupported address. 
I then called their consumer support line. After the representative claimed they could not send the report, I advised them I have a right to receive it. They then took my information and said it would be sent within seven days. And again, the representative tried to sell me services I do not want. 

This is unacceptable and violates both consumer rights and credit rights. 

My application number to XXXX is listed as XXXX, and request was dated XX/XX/23. Their later dated XXXX XXXX lists Trans Union as providing a negative report. 
Finally, I did receive a loan from another institution, but this letter citing rejection because of TransUnion concerns me. 

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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX : Listed below.

15 U.S.C. 1681 Section 602 A. I have a right to privacy, 15 U.S.C. Section 604 A. It also states that a consumer report agency can not furnish an account without my instructions. 

XXXX XXXX XXXX account # : XXXX. 

XXXX XXXX XXXX account # XXXX  XXXX File # : XXXX has violated my rights. 

Account Name Account Number Balance Monthly Payment XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$26.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$48.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX -No Data. 
Requested On XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone opened a fraudulent account using my personal information : Comenity bank Victoria sectret. This is NOT my account and I would appreciate the immediate removal of this account from my credit. Please note the attached FEderal Trade Comission report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Svc. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.
Product: Mortgage

They continue to not correctly apply the extra principal payments correctly and they continue to use the incorrect dates which are both to their advantage. 

They keep applying the extra principal payments to the next months payment instead of the principal. 

They dont have a clue as to what they are doing. 

1. Site non functional for months 2. Could not register 3. Then when could register it would take days to get a logon code 4. Then when was able to logon, could not connect the loan. The site kept saying data not found 5. Then when was able to link the account. When click the loan information button the site asks you to logon again in a loop. 

Now they still continue to not correctly apply the extra principal payments and they continue to use the incorrect dates which are both to their advantage. 

They keep applying the extra principal payments to the next months payment instead of the principal.
Product: Mortgage

I was behind on my mortgage after having a baby. I was owed an escrow check from Freedom Mortgage for XXXX. They informed me once I was current on my mortgage that the check would be issued. I get paid once monthly and recieved my check XXXX XXXX. I called Freedom Mortgage and got current on my payments through the end of XXXX, which took my entire paycheck. I inquired about my escrow check and informed them that since my mortgage was current, I'd like my escrow check to be sent to me. The woman that I spoke with said it would be mailed. I called Freedom Mortgage on XXXX XXXX to inquire about the escrow check as it hadn't arrived yet. I was informed that the woman I spoke with on XXXX XXXX didn't put a ticket in to have the check cut and mailed to me. I then asked to speak to a manager. I spoke with an individual named XXXX. XXXX  informed me that due to their error, they would escalate the process so the check would come sooner. He wouldn't give a date, but just said sooner. The check had not yet arrived on XXXX   XXXX, so I called again and asked to speak with XXXX. I instead spoke with a representative that informed me the check wasn't due to arrive unil XXXX  XXXX which was completely unacceptable. I asked to speak with a manager. I spoke with XXXX (ID XXXX, ext. XXXX) and shared my frustrations with him. I informed him I would like the check overnighted due to their incompetence. XXXX  said he was able to get the check overnighted, and according to call notes, it was overnighted on Thursday XXXX XXXX, 2019. As the word overnight implies, I expected the check Friday. It didn't arrive. It also didn't arrive Saturday, so I called again. I was told a manager wasn't available. I asked for a tracking number for the shipment. If it was truly overnighted, there would be a tracking number. The representative I spoke with was unable to provide me with one and said she would work on getting a manager to speak with me. She informed me that overnight means 3 to 4 business days. I'm no scholar, but overnight means just that, over night. I never heard back from a a manager. I called again today to inquire about the check. XXXX  was unavailable. The check still hasn't arrived.
Product: Debt collection

2013 I opened 2 separate secured accounts one for XXXX and the other for XXXX. Due to financial hardship, I default on both accounts. The money I've deposited for the secured accounts should cover the amount default. The collection company is trying to get me to pay on a debt that is already paid in full. I called and explained the situation and I'm not getting anywhere. They don't have records of my secured deposits but they do understand that they were both secured accounts, meaning that the deposits made secure the default amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Mr XXXX XXXX paid me {$21.00} for the btc buy and sell transaction, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently before the Covid pandemic. My email linked to my PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 - XX/XX/2017 I contacted and disputed with Equifax credit bureau sending them certified and notarized letters. Asking them to verify how this accounts belongs to me, and why are they reporting this inaccurate accounts on my credit report. They have yet to send me any information verifying the account.
Product: Credit reporting or other personal consumer reports

I recently went for a mortgage. I was asked if i had any charge offs i said no. I discovered GreenSky was reporting an account im still paying on, one more payment and its paid in full as a charge off. On XX/XX/year> I contacted green sky as they had informed me my account was getting charged off. This was after making one payment and scheduling another. I told them they had given no notice and my financial situation was changed. I also asked how they could charge iff an account i was currentky making payments on. They responded they were forwarding information. My account access was restored and ive made payment 's and they have shown the full balance since then. Their website can valudate my payments. They KNOW and have records of my Payments. They keep generating bills. They have reported the account as Charge off of over $ XXXX for over 10 months. They are not reporting my payments. They are reporting as charge off when CLEARLY its not. I disputed TWICE with exoerian and they returned TWICE without the payments and as a charge off. Thus us CLEARLY FALSE AND INNACURATE information. I messged them twice on their website. 
This is intentional. They are causeing me direct harm when they have clear data that disputes their reporting. This is malicious and criminal. They are reporting charge off amounts that is factually money recieved in payments from me. I want it fixed immeadiately and damages since I gave them notice and even disputed and they returned the same information knowing it was innacurate.