23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the debit collector in order to resolve the debt, I asked if I could do a pay for deletion, I was told yes. Once I made the payment to them everything changed, i called back to verify that the debt would be removed from credit report, I was told that the company does not offer that as an option. I informed them that, that was the reason for paying it and that I was lead to believe something different.
Product: Money transfer, virtual currency, or money service

Date : XXXX XXXX .I believe that it was a mistake to close my paypal account for my online business and i am hoping that i will get back to continue my business. 

Thanks and Godbless
Product: Mortgage

I was offered a principal loan of {$260000.00}, at an interest rate of 2.625 % with an APR of 2.658 %. That APR compared to that rate on that principal amount is {$1100.00} in fees ( excluding prepaids and escrows ). The loan disclosures I subsequently received all showed {$2600.00} or more in fees for the loan. XXXX XXXX ( Sr Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX ) even said at one point the APR would be 2.625 % which means {$0.00} in fees to close on the loan. All this was said to me and I accepted and spent my time as valuable consideration to review the documents and work through the loan application. The entire time XXXX XXXX made deceptive claims and plied his trade unfairly in am effort to cost me more money and miss out on other offers that were possibly better. On a 30 year loan this could be over {$12000.00} in additonal costs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C 1681b - permissible purposes of consumer reports ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instruction of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my credit report. NO CONSENT IS IDENTITY THEFT. 

On the date of XX/XX/2022 I sent EXPERIAN a Affidavit because I discovered multiple errors and incongruencies after review of the consumer credit report. I required that they supply me with sufficient information validating and verifying all accounts on the credit report otherwise they are required to delete all accounts on the credit report. They have never supply me with sufficient information and they continued to report negative and defaming information. I do not agree with their actions. They were given 30 days and after no response I sent an Opportunity to Cure on XX/XX/2022. In which they were given another 10 where I required they delete all accounts on the credit report and a XXXX score reflecting my open credit. I did not receive a response after and the Notice of default went out on XX/XX/2022 in which they were given another 10 days. EXPERIAN is in complete violation to the Fair Credit Reporting Acts and it is causing me great stress because due to COVID-19 it has been hard on my family and me with getting denied credit due to the incongruencies on the report. 

Their non-response means they do not have anything on file to validate and verify the any and all of the accounts on the credit report and they can not provide a certificate of financial statement signed under penalty of perjury from any alleged creditor that there is a debt.
Product: Mortgage

I went to New American lending company and tried to refinance my home. The underwriter would not approve the loan due to employment status. ( XXXX ). 
I provided documentation that I am a full time employee. I paid {$500.00} for an appraisal that is now deemed worthless. I feel I was misled through the whole process, and not one of our employees has had an issue getting a refinance or a new loan for a home.
Product: Student loan

Today ( XX/XX/XXXX ) I received a statement starting that I'm past due ( I'm not, but have a separate complaint on that issue ). The problem with the statement, other than it's inaccuracies, is that it says I'll be charged a late fee if the payment isn't made by XX/XX/XXXX. The statement date is XX/XX/XXXX, even if they had mailed it promptly that gave given anyone enough time to avoid the late charge. Additionally, how can I make a payment in the past. 
These guys are shysters and simply trying to rack up fraudulent charges. 
Their business practices need to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for o purpose.
Product: Credit reporting

Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.
Product: Student loan

I submitted a case to the CFPB on XXXX and my case was subsequently closed ; however, my case was never resolved. Nelnet responded to the CFPB complaint but never fulfilled their resolution. Please reopen my case until Nelnet fixed my account. Please see details below. 

I was refunded approximately $ XXXX for student loan payments made during the pandemic. However, only a portion of these student loan accounts were properly reinstated on Nelnet. There are approximately {$7000.00} of loans that are classified as " paid in full '' and I am not allowed to make any payments on these loans. The loans are accruing interest, but I can't make any payments. I need these loans to be reinstated properly and included in my monthly payment amount. Call times for Nelnet customer service are significant, I am currently on hold on XXXX for 2 hours, 27 minutes, and I still haven't gotten a representative. I filed numerous complaints through the Department of Education and haven't had any success. Thank you for your help.
Product: Checking or savings account

On XX/XX/XXXX Citi Bank closed 3 bank accounts associated with my name stating that it was fraud activity on the accounts and they would send something in the mail with in 30 days. After 30 days I called back and they hung up on me multiple times and refused to talk to me. One of my accounts have actively {$22000.00}. It is now XX/XX/XXXX I have not received any notification about the status of my accounts and when I will be receiving the money in them.
Product: Debt collection

To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with XXXX XXXX XXXX Credit card that I have no knowledge of. 

I have reached out to XXXX XXXX several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.
Product: Mortgage

I am currently in the process of trying to avoid a foreclosure by selling my home. I did n't want to sell my home but Fay Servicing would not approve me for a modification. After 6 months of a loan modification review I put my home on the market to avoid a foreclosure. Fay servicing in not giving enough time to go through the transaction process. They have refused to stop my sale date while I was in the middle of getting the sale through the escrow process. We have a serious buyer who want to purchase the home. This is not a short sale, and Fay will be paid in full plus the foreclosure fees. I am a Veteran and now have to go to legal services to file a bankruptcy to stop the sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX RE : CEASE AND DESIST To Whom It May Concern, This letter serves as formal notice to Jefferson Capital Systems LLC to immediately cease and desist from reporting inaccurate & non verifiable debt on my credit report. Your actions are in violation of 15 U.S. Code 1692 and they must stop immediately. 

Should these activities continue, I will not hesitate to take further legal action to enforce my rights. I expect your acknowledgment of this letter and confirmation that you will cease all mentioned activities no later than XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I contacted the company to stop harassing me and threatening me and they still continue to do so.
Product: Student loan

I have been fighting with XXXXNavient since my daughter graduated. As my daughter could not afford to pay her loans, and I as a co-signer stepped in to help found that she had XXXX separate loans. Upon trying to consolidate, we were told no. The interest rates of each loan at Navient range from XXXX to XXXX, when they were originally at 3 % from XXXX. We battled with mis-communications, having to call back in instead of them calling us to fix multiple issues. We had to go through excruciating processes to get lower payments as forbearance was no longer available. My daughter XXXX, was out of work and raising a daughter so I had to take over the payments, and I am a mother of XXXX. I do n't ask that they wipe our slate clean, but it became such a hassle to deal with them, my daughter will no longer even acknowledge her debt and wo n't pay for the remaining loan I am not on as a co-signer - not even sure how that happened. They will also no longer give me reduced payments. I have documentation for every call I have had with them since 2013 and would be more than happy to share it if it allows future students to avoid the nightmare that we have incurred. 
XXXX
Product: Checking or savings account

XXXX Amount ( XXXX ) : {$200.00} and {$730.00} ( {$730.00} includes multiple transactions. 

Filed fraud complaint on XX/XX/22 with Bank of America. After filing the the claim, I requested multiple escalations through their claims department where the issue was supposed to be resolved by the end of the following business day, by using their availability of a hardship claim. They have been telling me that the funds will be available in my account that same day for over 4 days now and I can not get a straight answer from any department I get in contact with.. the claims dept. Has hung up on me, not once, but twice. The final straw was two separate agents agents told me they were having technical difficulties connecting me to the head of their department and promising me a call back, which i never received.

The bottom line is that Bank of America fraud dept is giving me the run around and not refunding me almost {$1000.00} that was fraudulently taken from my account and they will not give me an answer as to when this will be resolved.
Product: Credit card or prepaid card

I have an American Express Serve prepaid credit card, the card can not be used as a debit or with a PIN number for purchases or cash back. On XX/XX/2018, a few days after my payroll deposit, I attempted to use the card to pay for a bill and my transaction was declined. I logged into my Serve account and noticed I had a negative balance as a result of transactions duplicated from the day before. I clicked the " contact us '' link at the bottom and was redirected to a page that gave 3 contact options ; call, email and twitter. I chose twitter. I sent my message and was told I could not be helped using twitter and I was provided an XXXX # to call. I called the # and was forced to hold for 30 minutes before finally reaching someone on the phone. At that time I was told that  American Express Serve was experiencing system issues which caused a glitch resulting in them overdrawing my card. I was then told I had to wait two days to get back my money. This delay in them correcting their mistake cost me {$50.00} in late fees and other fees as I had to get money from other sources to make up the difference caused by American Express Serve taking my money and not immediately returning the funds. I tried to get them to reimburse me the {$50.00} and they denied me. 

Since having this card, I get my money before my pay date, they advertised that you can get your money sooner. I was scheduled to receive, as I have been, my payroll deposit on XX/XX/18. I did not get my deposit. I called American Express Serve and was told they were having system issues and upgrading their system and to wait another 3 hours and my funds should be there. After waiting another 5 hours, the funds were still not there. I called customer service and was not given any information what so ever and as of right now, XX/XX/18 XXXX I still do not have my money. If American Express Serve has changed how they will be servicing me, I would appreciate advance knowledge of these changes. Had I known I would not get my money as scheduled, as experienced, I would have redirected my money and closed this card out. 

I need my direct deposit as I have a bill to pay and I can not because they are holding my funds. I need to be reimbursed for the fees from them overdrawing my card. I need to know if they are changing the way they service customers ; will money no longer be available early?
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a natural person submitting this complaint... I am not using a third-party agency. I have sent in disputes to Transunion asking them to delete a charge off and a repossession off my consumer report. I have asked them to please provide me with the method of validation, I would like to know the steps that was used to validate this debt I need all correspondents of who you spoke with their phone numbers and email address, etc. Transunion does not have 30 days to respond they have 15 days to respond. simply matching a name and date of birth is not enough to say that they have validated the debt that they perceive to be mines. I need to know the method of validation. I also wanted to make note that my last date of activity is inaccurate. my last date of activity is being updated continuously with a repossession and a collection/charge off account which is inaccurate because that falsifying date of payment information.
Product: Debt collection

They call me on several number during my work hours I give them a time to call me when Im off but they refuse. I also told them to send me proof I owe a debt and they didnt provide that
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, Equifax, and XXXX  all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as Equifax falsely has the XXXX address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. Equifax never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.
Product: Credit reporting or other personal consumer reports

.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Dispute of Unauthorized Credit Report Inquiry Reference : 15 U.S.C. 1681 Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute an unauthorized inquiry listed on my credit report. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), it is required that no party may obtain my consumer report without my written consent or a permissible purpose, which includes my direct authorization. Upon review of my credit report, I found that XXXX XXXX XXXX XXXXT accessed my credit report on XX/XX/XXXX without my knowledge or authorization. 

I have never provided written consent for XXXX XXXX XXXX XXXX  to obtain my personal credit information. This constitutes a violation of my rights under the FCRA. I request that you immediately : 1. Investigate the unauthorized inquiry.

2. Remove this inquiry from my credit report.

3. Provide me with the results of your investigation. 

In accordance with the FCRA, I expect this dispute to be resolved within the XXXX time frame required by law. Please consider this a formal complaint if no timely or satisfactory action is taken. 

Enclosed are copies of my identification and any supporting documents necessary to assist with this dispute. Should you require additional information, feel free to contact me using the details provided above.
Product: Credit card or prepaid card

Jcmcb card {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.
Product: Debt collection

On XX/XX/XXXX we received a letter from XXXX XXXX, a debt collector. They said I owe {$1700.00} to Citizens Bank for a XXXX account. My husband and I thought it was spam because we never had an account with Citizens Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. 

I checked XXXX XXXX and I learned that a Citizens Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly XXXX points. My credit score is usually over XXXX. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Citizens Bank customer service and found out that it was a Citizens One loan and not a Citizens Bank credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. 

I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. 

On XX/XX/XXXX we also reached out to XXXX XXXX to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. 

Citizens Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. 

On XX/XX/XXXX we received mail from Citizens Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided documentation from the car dealership that the car was sold to them before the payment was due. Exeter also provided letter to XXXX STATING I never had a late payment. XXXX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The Exeter account was never late I need that fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of Equifax 's data breach, I attempted to place credit freezes on my credit data at Equifax, XXXX and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. XXXX XXXX process died with a system error. Equifax 's process returned a blank pin number. Apparently the last XXXX companies have poorly designed system which can not be relied upon.