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

This goes against XXXX. I submitted a complaint through CFPB with claim number XXXX regarding XXXX 's total disregard and faulty processing of deferment applications recently. 

I applied for XXXXXXXX XXXX XXXX  XXXX discharge for several different federal student loans. My loans for this complaint are under XXXX ( the holder ). They were notified middle of XX/XX/year>. I called XXXX and spoke to XXXX ( XXXX XXXX ) on XX/XX/year> at XXXX. She confirmed XXXX received the discharge notice on XX/XX/year> and XXXX is processing the discharge approval at this time. This was also confirmed by a supervisor named XXXX, As of XX/XX/year>, XXXX still shows I have an application pending for an alternative repayment plan. XXXX still shows a current loan balance of {$110000.00} and a due date of XX/XX/year>. By looking at the XXXX  approval notice, under the XXXX XXXX XXXX for & XXXX the following XXXX holder names listed as NOT AVAILABLE is also Navient for {$6700.00} and {$4100.00} which is the total under XXXX 's ALL LOAN DETAIL summary for XXXX CONSOLIDATION total {$10000.00} and XXXX CONSOLIDATION totaling {$100.00}, XXXX. XXXX still is showing up on all XXXX credit bureaus as of XX/XX/year>. 

There should be XXXX reason as to why XXXX is still processing the XXXX  discharge approval notice sent and received by XX/XX/year>. 

Due to the recent lawsuit with CFPB and XXXX and the final discussion for XXXX to settle with their loan customers, I would like CFPB to notify XXXX  to process and report the XXXX  discharge approval immediately to all main credit bureaus including the smaller ones. 

attached is the following : XXXX. XXXX XXXX discharge approval dated XX/XX/year> XXXX. CFPB Complaint XXXX with responses XXXX. Navient account summary with notes of customer service regarding processing XXXX  XXXX. Navient account summary as of XX/XX/year> XXXX. XXXX all loan details as of XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this fraudulent information from my credit report and they will not remove it.
Product: Credit card or prepaid card

B.ofA. sent out by mail a promotional offer that included the right to borrow money for a number of months at 0 % interest if the card holder paid an up front fee of 4 % of the amount borrowed ( or advanced ). During the promotional period of the loan the card holder could use the card to make purchasers within the remaining credit limits however they would be billed for the amounts drawn or used on the card at all the standard terms ( i.e. interest, late penalties, minimum payment amounts required etc. ) Even though the I never used my credit card for anything once I obtained a XXXX $ promotional advance, never-the-less I began to get billed monthly for a " minimum payments due '' and when not paid, I was assessed a late penalty and had my credit limit reduced for not making these " minimum payments '' due when in fact no payment on the {$3000.00} dollar promotional balance was due for several months. This is a false, misleading and unfair business practice. The promotion is designed to appear that the card holder/borrower has the use of the entire amount advanced/borrowed ( in this case {$3000.00} ) up to the time of the promotion is over, and this is without any interest, or payment of anything due and hence there could not and should not be any " minimum payment due '' monthly during this entire promotional period.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and i did not open them please help me fix them,
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNT TO ENSURE ACCURACY. 

XXXX  XXXX
Product: Debt collection

On XX/XX/XXXX, I pulled my credit reports from all three of the major credit bureaus ; XXXX, XXXX, and XXXX. I noticed Americollect INC has 2 alleged collections on all 3 credit bureaus under my Social Security number. One collection for {$1900.00} and the other for {$92.00}. The smaller {$92.00} collection is dated for XXXX XXXX of XXXX which I have never received any written notices of this alleged debt along with the other ( {$1900.00} ) which has an open date of XXXX XXXX of XXXX, each stated as past due in the status field ; which by law is ILLEGAL per FCRA 623 ( a ) ( 7 ) subparagraphs ( A ) and ( B ). This is the first of my knowing of this company. I sent a letter for validation of me signing a law binding contractual obligation with this company, Americollect INC for the two accounts which they allege that I OWE THEM on XXXX. I am highly dissatisfied with their remarks on my credit file ( XXXX ), " account information disputed by consumer, meets FCRA requirements '' when they are unlawfully ruining my credit with their illegal and unethical credit reporting, incomplete account numbers, and missing information. I have never dealt with this company in any form or fashion, being that they aren't even a business entity in the state of South Carolina. I have also written my state 's Attorney General, XXXX XXXX and the Attorney General of Wisconsin, XXXX XXXX of this matter. Again, I have not once received any notices to date ( XXXX ) that I have any contractual obligations, or accounts with Americollect Inc let along any accounts in collection or past due!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I ask for {$59000.00} and the teller needed the manager. The manager said I have pending deposits and she can't give me that amount. I said that's cool can you let me receive what's account for. The teller, manager went inside banker office for 10-15 min. They came back and manager stated she can give me collective balance and also she mentioned XXXX XXXX the XXXX XXXX branch know you very well and if you have any issues you can speak with XXXX. I asked her what's the collective balance and she said {$210.00} in business. I asked what about personal and she said {$35000.00}. I told her cut the check for {$35000.00} and she said no. It hurt me to the heart that I knew I had more money in my account if the pending deposits wasn't available. The account had {$73000.00} total as well. She called security and security called the police on me. I just wanted explanation on why I can't get my money out and clarification on what collective balance is.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.
Product: Credit card or prepaid card

XXXX declined transactions cause my card had an old expiration date. so i paid cash for all my transactions. Then capital one paid the merchant after I paid cash to the MERCHANT. i HAVE SPOKEN to 5 people at capital one and no one can explain it. better yet they have never heard of the CFPB. I just want to be made whole. I should have {$180.00} available credit as of XX/XX/18 when I activated my new card Here are all of the names : XXXX, XXXX, XXXX, and XXXX ... .. of course no last names as of XX/XX/XXXX i had an available balance of {$180.00} now on XX/XX/XXXX I am being told my available balance is {$7.00} No one that I spoke with can explain it.. this is fraud. A financial company can't decline a transaction and then fund it weeks later.
Product: Debt collection

I received notification from diversified adjustment that they were collecting a debt on behalf of XXXX. I contacted XXXX because I transferred services from XXXX to XXXX XXXX XXXX in XX/XX/2021. I paid my balance in full after my transfer was complete. I requested that XXXX provide me with detail billing. I didn't hear from XXXX but was contacted by Diversified Adjustment. The letter from diversified ( attached ) stated that if I write them for validation before XXXX they will stop collection and validate the debt. ; I requested detail proof. 
I have attached : 1. letter from Diversified 2. Certified Mail Receipt from two request XXXX and XXXX 3. Confirmation of payment to XXXX : XXXX paid XXXX XXXX. Confirmation of payment to XXXX : XXXX paid {$120.00} my last payment I have been with XXXX XXXX XXXX  since my transfer in XX/XX/2021 XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, I requested them to validate the debt and to send me a copy of the original agreement, Discover refused to send me a copy of the original agreement. I sent them a follow up letter requesting for an opt out as of XX/XX/XXXX of XXXX. I also put them on notice that they are in violation of the Heros Act due to them reporting derogatory marks on my report that occured during the COVID 19 period and informed them that it is having adverse affects on my credit report including preventing me from being able to obtain housing as well as being able to obtain transportation and I requested them to reporting this information. As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer revoke my given written, unwritten, verbal, non-verbal consent. I am opting out. date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974.
Product: Credit card or prepaid card

I received a mailed statement from Bank of America showing interest only due of {$100.00}. I paid off the balance by phone after I specifically asked and was told by their representative there would be no additional fees or interest charged with the amount that I provided as my pay off balance payment. 

This has happened previously with balance payoff in that an additional statement arrives with interest due. In our experience there is no way to payoff the interest in this form as the interest incurs additional interest, and the cycle never ends. As such I specifically asked the representative to help ensure the final payment was the complete and full payoff amount and that no additional charges would be made against me in any form.
Product: Mortgage

My mortgage company, Freedom Mortgage has been a horrible experience since the beginning of XXXX. Last year, I was having problems paying my mortgage and opted to using the VA COVID forbearance plan. Earlier in 2022, I planned to leave the program after being able to pay my mortgage. Well, it didn't go as planned. While leaving the COVID forbearance, it took Freedom Mortgage over 6 months to transition us off the program. During this time, they were taking huge amount of time processing the paperwork, and delays in underwriting. While waiting, our mortgage payment debt was building. I called multiple times checking on the status. In XXXX, I managed to submit paperwork to start paying my mortgage. I was informed that my first payment was initially due XX/XX/XXXX but it was later confirmed and changed to XX/XX/XXXX. After XXXX, I was getting multiple harassing calls that my payment was due. I would call back to understand why I was being berated. I was informed to ignore the calls and that my payment wasn't due until XX/XX/XXXX. Unfortunately, in XXXX, the harassing calls didn't stop. I called again and explained it again. This time it changed. On XX/XX/XXXX, I was told that I was late on my XXXX and XX/XX/XXXX payment. I was very upset and had to explain to them how I was lied to for months and was told incorrect information. Now my credit has been affected and XXXX  XXXX  only offered a, " we're sorry that we misled you. '' Now I'm XXXX months behind and I can not afford to pay the payments owed. I will have to go get a loan and avoid my home from going into foreclosure. This is a complete disservice to me as a retired XXXX veteran, and is causing undue stress around XXXX time. We're not sure if my kids will get anything for XXXX due to the neglectful and haphazard business practices of Freedom Mortgage. This is clearly their fault and I should not be held liable or having to pay 2 months of my mortgage for their lies. Please help to rectify this issue, my negative credit hit, and this financial burden that my family and I are a victim to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Received alert on my credit report someone had open account in my name. However, they used the incorrect information like my address they had given wasnt correct. PayPal, they have give my old address which I hadnt live there in ( 8 ) years. Contact PayPal, on XX/XX/XXXX and they verified my correct information and closed the account but yet its still on my XXXX  credit report as : XX/XX/2019 SYNCB/PayPal XXXX  XXXX XXXX XXXX XXXX MD XXXX. Contact them again on XX/XX/2019 had me on hold for 1 hour and 30 mins and did absolutely nothing they stated once I filed my complaint with them they would removed it off my credit report. I did send them an email request to close that account due to the fact it wasnt my account at all. Once I updated my address it and verified who I was she determined that it wasnt my account they did closed it and did send me an email. PayPal, is using customers information without any kind of verification when they open up these account and hit customers credit report with a hard inquiry which I want them to take responsibility and take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX acting in my own behalf. They are reporting accounts that aren't mine and these false reporting accounts are affecting my credit report and costing me thousands of dollars. This is not like a regular dispute. I have filled a complaint with the Federal Commission and XXXX  bc to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I am being ignored and i really can not wait another 60 days with this mistake hurting me. I have not receive any responses because everyone is ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to all of the stress you caused me. 15 United States Code Section 611 ( a ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 55 days and I gave it more time due to the covid 19 but now these items should be deleted promptly.
Product: Mortgage

We refinanced our VA mortgage with Freedom Mortgage in XXXX. We were sent several versions of closing statement before closing. Each with increasing costs of closing. The loan officer we dealt with at Freedom Mortgage said that they would pay the closing costs except for fee to VA for loan ( approx {$1000.00} ) and a fee to them of approx {$1000.00}. 

The notary that came to our home in XXXX had a different set of closing documents and no copy to leave with us. We had been trying to refinance this loan since XXXX and with COVID 19 issues were just closing in XXXX - so in frustration and without options of getting ahold of the loan officer on a Sunday, we signed closing documents. Now our loan increased by approx {$5000.00}! 

I have made several phone calls and sent several emails to Freedom Mortgage since the closing in XXXX with no response or promises to send documents within the week - now we are almost 3 months later and still no documents. I have no idea what the closing costs were on this refinance and Freedom Mortgage refuses to send the documents. I feel we have been overcharged by Freedom Mortgage and were mislead regarding the costs of the closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX  : {$2100.00} XXXXXXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXXXXXX XXXX XXXX : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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: Student loan

We have tried repeatedly to get Navient to transfer our stafford student loans to XXXX because both my husband and I work for XXXX and would qualify for public service loan forgiveness, but each time we apply they deny us saying we did n't file the right paperwork or ignore us altogether. We have applied 3 times and twice they did n't even respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have been working on my credit for several years and have a decent credit score, however, anytime I use more than 30 % of my credit card limit, XXXX XXXX and Experian will instantly lower my score but they do not instantly raise my credit score when I payoff and/or pay down my credit cards. It typically takes 30-60 days to increase my credit score after I payoff or pay down my credit cards but the credit score decrease is instant. And the decrease can be anywhere from 5 to 10 points or more. I do not believe this is far and puts my credit at a disadvantage. If I want to apply for new credit I have to wait 30 to 60 days for my score to increase but again the decrease score is instant. I have been watching this as a pattern for the past 5 years. I am certain that I am not the only one that this is happening to. Why do they do it? If they can instantly lower a score, why can't they instantly raise a score? Why is there a delay for an improvement in credit? Who benefits from this? I can not say if XXXX  does this as I do not have a service, nor know of one, that I can monitor XXXX  daily.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I sent a letter to Equifax, XXXX, and XXXX about the inaccurate information on my credit report. It's now well past the deadline, and not a single one of these agencies has bothered to respond. This blatant disregard for my rights is unacceptable. I demand that this account be permanently deleted immediately. It is an ongoing violation of my rights to keep reporting inaccurate information that doesn't match the records of other consumer reporting agencies. Your failure to address this issue, despite my repeated attempts to get a resolution and provide proof, is utterly frustrating and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX