23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account number XXXX is being reported as a closed account on my XXXX profile. This same account showing as XXXX XXXX XXXX with account number XXXX is reporting as an open account on my Transunion profile. 

Account number XXXX was closed as of XX/XX/year>2024.

Please correct this information as all credit bureau 's should reflect the same information and show account number as closed as closed. Please make this adjustment immediately as it is preventing me from rebuilding my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.
Product: Student loan

I 've had so many issues with Navient : Taking money from my account ( in amounts of XXXX, leaving me XXXX in the hole!! ), lying, threatening me on the phone, suggesting I become a XXXX or XXXX to assist in paying my student loans. They play games and I have to obsessively monitor my account for errors to the point where I have have XXXX regarding these loans. Just this morning, I check my bank account like I usually do in the XXXX because of Navient 's game, and my XXXX payment was put back into my account with no explaination or response from Navient. There is no documentation I made the payment or was refunded. So now I am at risk of losing my special payment plan because of their errors. 
I also requested they mail me every single statement from the last ten years ( my borrowing time frame ) and after a month and a half later, I received statements dated from XXXX with XXXX missing. The errors I am questioning have occurred from XXXX ( the statements missing ). 

I 've made complaints before and e-mailed politicians and lawyers on this company, and since then I have had these questionable issues happen with my account! 

Attached you will see a screenshot of my bank account from XX/XX/XXXX, with a bunch of unauthorized transactions totaling {$40000.00} that were attributed to a " XXXX dial '' of a payment. Which is false, because you can not process a payment of more thn {$10000.00} online you need to call! 

Please please fine this company. They are ruining my life!
Product: Debt collection

I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

A Debt Collection Notice was sent to The head offlce of the company I work for by Allied Interstate LLC. 
The head office of my company is not even in the country I live. 
The Debt is for an XXXX account. The amount is $ XXXXXXXXI have never used XXXX or even created an account, so I am positive this debt does not belong to me. This seems to be a Phishing scam by Allied Interstate LLC. Their company history seems to indicate that must be the case.
Product: Checking or savings account

I sent a check for payment of my credit card balance to the credit card company. The check was stolen before it reached the destination. The payee and amount were changed on the check then cashed at XXXX XXXX. 

This was an obviously fraudulent check, anyone could easily see that the check had been altered. The check went through XXXX XXXX  and then was sent to Huntington bank which took money out of my savings to pay the check. I am out {$6000.00} that the Huntington bank refuses to give back. 

They have told me that I needed to wait for them to straighten the problem out with XXXX XXXX. Now I'm being told that I have to trust that XXXX XXXX  will send me a check to reimburse the money that Huntington bank took from me. 

This happened in XX/XX/2020, I still don't have my money. The bank was notified the beginning of XXXX and has given me the run around ever since. Now they are washing their hands of the matter completely. 

I do not do business with XXXX XXXX, my bank is Huntington bank. XXXX XXXX  did not take my funds, Huntington bank took my money. I'm paying the price for Huntington bank 's error. Huntington bank cashed a forged check and is making me responsible for it's negligence.
Product: Student loan

I have a joint student loan with my ex-wife and we are in the Public service loan forgiveness program. The loan was transferred from XXXX to Fedloans two years ago. Ever since we have received terrible customer service. We excite different advice each time we call. Now I do most communicating I writing but at times they do n't even respond to my messages on their " contact us '' section. Furthermore there is no way to track my sent messages and their replies. The messages vanish after a set amount of time. I have lots of documentation about the problems we have endured. We applied for the REPAYE plan in XXXX from Fedloans. We received approval and new terms in XXXX. A standard payment was assessed one month for @ {$2400.00} which I was told was part of the transition to a new plan. I made several calls to the servicer about this amount and was told it was being reviewed for a forbearance and would likely be granted since we are in the PSLFP. I called again XXXX XXXX and was told that an application for the forbearance had never been received. That is the first time we were told we needed to apply for the forbearance. Prior to that date other reps told us it was happening as part of the REPAYE submittal and not to worry about it. The nest day on XXXX XXXX we submitted all documentation and was told it would be reviewed promptly. This was on day XXXX into being late on the amount. I found out today that we had been reported Fedloans reported as delinquent to credit bureaus even though we were told this would not happen. Today I was told it would take 30-60 days to remove the derogatory statement from our credit once the forbearance decision was made. We have made all monthly payment on time since XXXX while waiting for the forbearance. Had we been told in XXXX we needed to apply for the forbearance we would have then. We never received this requirement in writing and was told the opposite by Fedloan reps that ithe forbearance was being reviewed as part of the REPAYE application. The REPAYE application has a place on it to request $ 5 monthly payments during the review period to avoid any forbearance amount. I have also received several calls from Fedloans about the amount past due and when I told the rep we were waiting on Fedloans for a decision the rep acted surprised until they reviewed our account. Not only did we wait 4 months for our REPAYE review we now have a derogatory credit report at no fault of our own. Please help us resolve the credit reporting issue. I am in the middle of refinancing my home and this has impacted that process. I would also like to have our loan transferred to another servicer. Never before with any other credit product I have I seen this type of customer service. Students loan XXXX are so hard to decipher unless you 're an attorney. Often times I know more about the programs than the services themselves. Please help us.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Mortgage

Around the end of XXXX and beginning of XXXX, XXXX. Our mortgage company, Wells Fargo contacted me about a program they were offering due to Covid and that if we were current on our mortgage that we would qualify for the program offered by Wells Fargo and the government ( it was stated many times that THE LOAN MUST BE CURRENT TO QUALIFY ). I talked to my wife and yes we decided to try it out because I had been laid off work but would only be out of work until Covid was under control. We did qualify which means we were current on loan. I agreed over the phone and they took all my information over the phone and they told me that no payments would have to be paid and I would be reviewed by Wells Fargo every six months. I was then told that when I was able to go back to work, I would pick up like I never missed one payment and return to making my house payments. On top of Covid, the owner and boss where I was employed, XXXX XXXX. I was thankful that this program had been offered, I ended up being without work for 18 months. I then called Wells Fargo to let them know that I was ready and capable of making my mortgage payment. I got the surprise of my life and was talked to like I was trash that did not make their mortgage payments. She said that I was in default and I would be getting foreclosure papers by mail. She said that I was one payment behind when I agreed to the program. I told her that I could not have qualified if I was behind and she started laughing and said to keep my house I needed to come up with {$14000.00} and she knew I would not have that if I could not even pay my mortgage payments and I only had a 2 days to pay this. We were at a loss and we live in Oklahoma and the closest Wells Fargo was in Texas ( 6 hour drive round trip ). She was correct, we did not have that kind of money laying around so my wife called her parents and I called my brother, and we borrowed the money to pay that amount. We could not be homeless after living in our home for 20 years. Now we are making 3 payments, 1 to Wells Fargo, 2 to my in-laws and 3 to my brother. Wells Fargo took advantage of me and my wife and lied about a program that if I was behind on mortgage, that I absolutely would not even qualify for.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to use the card which is managed by a government 3rd party organization called XXXX XXXX to get an XXXX and the charge was denied. When I contacted the financial institution to find out why the agent " XXXX '' told me that the purchase went above the limit and I'd have to contact the managing organization to raise the limit. 
I asked him could I transfer money from it, he said no. I asked him what can I do with the card and he mentioned they have full control. 
I asked him can I cancel the item. He repeated the question to me " Can you cancel it? '' and I said " did I studder? ". 
There was a long silence and after about 10 seconds I said ''just transfer me to your supervisor ''. At the same time I spoke, he spoke, saying " I've cancelled your card and now I'm transferring you ''. 
He immediately transferred me and the hold music started playing. 

When the supervisor " XXXX '' got on the phone I told her what happened and she said there was nothing she could do. Of course naturally after hearing this lack of empathy from her I lost my temper and I started yelling, and rightfully so. 
I never said to cancel the card, and did I studder means exactly that. 
It meant I didn't say anything else other than what was said and it was a simple question -- -- ->>>>>> " Can I cancel the card? ". 
I was simply finding out what I could do with the card. 
I asked question after question after question. This is not a misunderstanding. He did it out of anger and retaliation. 
Also when I hung up on 'XXXX  ' I called back and escalated it to the next chain in command which was 'XXXX ' and XXXX confirmed it's possible it was cancelled out of anger. 
I requested for a call back to find out what happened after they conducted the investigation for transparency. 
Nobody called. 
I've provided proof from my phone logs that I did call them and that the event did take place over my phone.
Product: Debt collection

I have been receiving 10-15 spam and verified phone calls per week on my landline from Comenity Bank claiming I owe money, either to XXXX XXXX or other debtors. I have blocked over 20 phone numbers from my landline provider ( XXXX ), reported these harassing calls on the National Do Not Call Registry, repeatedly told these scammers to stop calling, and reported these calls to my state 's AG office. The only debt I have is a mortgage and 2 credit cards that are paid in full monthly. These calls started 3 months ago -- XXXX of 2023 to present ; today I've received 3.
Product: Credit card or prepaid card

I was approved for a Capital One Union Plus card on XX/XX/22 and have the approval letter as proof. I still haven't received my card after 4 months and several calls to Capitol One ( XX/XX/22, XX/XX/22 and again today on XX/XX/22 ). They say its a known issue and they are working on it, but can not tell me what the issue is or when this will be resolved. I've patiently given them 4 months to rectify the issue and haven't received a letter or call informing me of the reason for the delay. All I want is my card I applied for and need assistance since I keep getting the run-around from them. Also, the card came with a 15 month intro APR which I would like for them to honor.
Product: Student loan

Called : XX/XX/23 XXXX, XX/XX/23 XXXX, XX/XX/23 XXXX ( on hold for over 2 hours ) -- could not get through to a person any time Emailed x1 no response
Product: Checking or savings account

I have perfect credit. Because I've had my identity stolen by hackers, there's a special status on my credit report that requires extra verification when I apply for a new account. In practice, some banks and credit cards handle this smoothly, and others just reject my application outright. I am very disappointed to learn that EverBank is one of the latter. It makes me feel like a victim all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed Experian consumer profile, there is a fraudulent / unauthorized inquiry listed : XXXX XXXX XX/XX/year>. I, XXXX XXXX am hereby notifying you that this inquiry is fraudulent and neither on that date or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Checking or savings account

Flagstar bank - I set up an account because they advertised 5.5 % if you open a savings account. Turns out my money is only getting 1 %. I try to transfer money out of this account and they don't send the verification money. So I can't verify the account to transfer the money. I've tried to transfer the money out twice now. They will not let me close the account because I'm working out of state and they will only send a check to my home address which I'm not at. It shouldn't matter anyway, they can send the check to my alternative address here in California. This is a bait n switch bank that I wish I had never trusted.
Product: Student loan

My loan is at a fixed interest rate of 4.29 % for a total loan amount of {$3100.00}. 

Whenever I pay a payment, accrued interested has been anywhere between 20 % - 65 %. For example, one month I paid XXXX {$37.00} went to the actual loan while XXXX went to interest. Other months I've paid {$50.00} when XXXX went to interest and XXXX went to the actual loan. Every time I go to pay, this is happening. I don't agree with their interest accrued formula and how much they taking for interest. 

When I applied to the school they advertised my fixed rate with no information about this " accrued interest '' Between the school 's false advertising and the lendors interest formula this is a serious scam.