23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and Experian show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.
Product: Mortgage

Early XXXX, NewRez started misapplying my on-time monthly payments to principal, then calling and sending late letters. Every month Id call in and have them correct their error and ask them to please apply it correctly from now on. They suggested paying a few days later ( implying I was paying a little too early ) and I took every suggestion, but it continued to happen. Then in XXXX they said they couldnt remove the late fee, which never should have been assessed since I have never made a late payment. They said there was nothing they could do, so I paid the {$160.00} late fee, and filed a formal written complaint through their website on XX/XX/year>, which I never received a response to. Then last week I received an alert that negative activity was reported to the credit bureaus, and upon investigation found it was NewRez reporting Im 30-59 days late and that they hadnt received my XXXX or XXXX payments. This took my score from XXXX to XXXX. 

I called NewRez, who said they showed I was current and that there was nothing they could do to help me. They said I could fax a letter and all supporting documentation to their parent company, Shellpoint, which I did today. 

Im not sure if this is retaliation for the formal written complaint I filed in XXXX, or sheer incompetence, but they shouldnt be allowed to conduct business this way. Im a real estate investor, and this hit to my credit could potentially cause me hundreds of thousands of dollars.
Product: Student loan

Initially submitted SAVE application to Nelnet on XX/XX/XXXX to decrease student loan payment. XXXX said I was qualified for SAVE plan. Nelnet put account into administrative forbearance for 3 months and had not processed SAVE plan. Submitted CFPB complaint on XX/XX/XXXX for Nelnet to change my account to SAVE plan. On XX/XX/XXXX, received letter in response to CFPB complaint that my account would be changed to SAVE plan starting XXXX of XXXX. This new complaint has to do with the interest that has accumulated in the time between submitting my SAVE application on XX/XX/XXXX to when interest was frozen on or around XX/XX/XXXX. Around XXXX XXXX dollars of interest needs to be written off the total balance as my SAVE application was completed and submitted during this time and was not processed due to Nelnet not fulfilling their duties as a loan servicer. Total loan balance as of today is listed as XXXX, if interest was correctly frozen after time of applying to SAVE plan on XX/XX/XXXX and plan was implemented correctly and ethically, total balance should be around XXXX. Nelnet has done absolutely nothing to amend or respond to their unethical processing times of these applications resulting in interest that should not have accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my SECOND dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX XXXX  # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions to retrieve the source of Experian bankruptcy. As of today, they explained that XXXX XXXX is their source. I have attached a letter verifying that XXXX XXXX said that they could not verify a Bankruptcy that has been placed on my Experian credit report and I ask for that same reason that it be removed from Experian as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment.
Product: Debt collection

I had to chose something to move forward. Select portfolio does not call before XXXX XXXX. This morning they called at XXXX. Again Select Portfolio is playing games. This is not a revolving credit account. They are a debt collector for my 2nd mortgage.They have a call center in XXXX XXXX XXXX with employees that give wrong or misleading information. Their Loss mitigation department responded to you with inaccurate information. I received a letter dated XX/XX/XXXX asking for even more documents ( the list keeps growing ). In addition to their response to CFPB they now want pay stubs ( which I have none as I'm unemployed and have already sent the my bank statements and letters from the Ga. Department of labor ) ; and a letter from my homeowners association showing what I have paid and the frequency of my payments and schedule XXXX from my tax return for XX/XX/XXXX. The loss mitigation department did not address the fact that their call center employees tell me things that are inaccurate and misleading. Obviously they don't care about the CFPB otherwise they would have clearly spelled out what was needed when they responded to my prior complaint with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. Equifax has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method Equifax is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of XXXX, XXXX XXXX XXXX who was bought by XXXX. I reached out to XXXX XXXX, who is the legal support for XXXX, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' Equifax who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I XXXX XXXX XXXX returned merchandise bought at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX which the merchant issued me a receipt of refund of {$3500.00} going to my Coinbase debit XXXX card ending in XXXX. I have already spoken to XXXX XXXX multiple times and they confirmed that the refund went through with approval # XXXX. My Coinbase card has been deactivated since them and no longer have access to any of my funds there. I spoke to Coinbase multiple times and ensures me that no refund was issued and that my card is working. I need access to my funds.
Product: Credit card

I was charged interest i had questions about. I called customer service to inquire about what the interest was for. The lady on the phone tried to explain to me what the interest was for, and that it was in my credit card agreement. I asked her to tell me where in my agreement this was explained, and she said she didnt know. I then asked her to send me the agreement, and tell me where I should look for this information, and she simply hung up the phone on me. This is really poor customer service.
Product: Checking or savings account

Citizens employee promised the promotion that was being offers for {$300.00} if you change your direct deposit to the account after opening it. I asked if the offer was good for in person and online and he assured me it was. Told him I would go home and do it online if it was not and he said it would be good either way. Opened the account with him right then in person and now Citizens is refusing to honor promotion because account was not opened online. Spoken to bank manger and online account managers. Bank manger never followed up and I had to call multiple times to find out what was going on with it and she said they will not honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX  Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card or prepaid card

XXXX XXXX originally serviced XXXX XXXX, i purchased a bed on a promotional plan last year in XX/XX/XXXX, i was told by XXXX that as long as my promotional balance was paid by XX/XX/XXXX i would not be charged any interest. shortly after charging at XXXX XXXX thru XXXX XXXX, XXXX XXXX went with capital one as their servicer. i learned today that captial one is not honoring the agreement i entered with XXXX XXXX XXXX and my payments will be applied to the highest interest rate as opposed to my promotional balance. i definitely need help as i spoke to a supervisor name XXXX id number XXXX on XX/XX/XXXX and she stated she was the highest that i could go and managers do not speak to customers. i paid {$320.00} several days ago and need it applied to my promotional
Product: Debt collection

I acquired a home improvement loan on XXXX XXXX, 1997 XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00}. The  payments are XXXX per month and these payments have been consistently drafted out of my personal checking account. BSI, the financial service that collects for this company, sent me a bill stating that I owe approximately {$19000.00} and to settle this account, I will need to pay {$27000.00}. The letter indicates that non-compliance would lead to foreclosure. Upon my investigation, XXXX XXXX XXXX XXXX does not have a physical address as indicated on their website. This loan is not on my credit report and from my understanding, credit reporting is not a common practice with this business. Strange!!! 

XXXX XXXX XXXX XXXX XXXX utilizes unfair and deceptive business practices along with preying off the weak or consumers who lack knowledge. 

Lastly, in corresponding with the Pennsylvania Department of Banking and Securities and the Florida Office of Financial Regulations, BSI Financial Services and XXXX XXXX XXXX XXXX are not registered to collect debts from consumers.
Product: Credit reporting or other personal consumer reports

I provided an identity theft report I discovered this issue on XX/XX/year> for an amount of {$280.00} my information was stolen and used.
Product: Debt collection

I have been trying to get verification of this debt from Armor Systems. They have refused to send me documents that  fully verified the debt. I have got some paperwork from them but it was only screenshots and no paperwork showing a contract of myself actually owing this debt. Also, failed to show a wet signature proving that this is my alleged debt. I will attach my mailed requests to this complaint. Armor Systems has been taking my state tax returns for 3 or 4 years without full verification of this alleged debt. They will take this current year 's state tax refund from me as well.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. 

THESE ACCOUNTS LISTED : ( XXXX XXXX  and XXXX XXXX XXXX  XXXX I HAVE IN LITIGATION. 

ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST XXXX AND EXPERIAN AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest XXXX branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by XXXX XXXX XXXX. The Lender was XXXX and the source was Equifax. I contacted the XXXX branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that XXXX uses Equifax. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from XXXX XXXX security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against XXXX XXXX XXXX for breach of personal information. That complaint filed before the CFPB was in XXXX ( XXXX ). At that time personnel from the XXXX, MD branch of XXXX disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by XXXX through Equifax and if it was an attempt to disclose personal information to a third party or if a third party utilized XXXX in order to obtain my personal information.
Product: Credit reporting or other personal consumer reports

I was sold a solar system for my home under fraudulent sales tactics and false production. I notified the lender since the company had gone bankrupt and told them I was using my rights under the FTC Holder rule to withhold payment and requested them refund me my payment i have made. they refunded me 1 payment. I hired an attorney to handle this case and also included my state attorney general. My attorney sent the lender a letter back in XXXX of this year and we never heard a response back from the lender. The lender has put me as being late on all my payments and has dropped my credit score from the 700s to the 500s for using my rights by the Federal Trade Commission to withhold payment. they still continue to report to the credit dept that i am late on my payments. i have sent letters to all the credit company 's and included the letter from my attorney. they responded by all information is correct. To this date we have yet to hear from the Lender, and feel they are continuing to operate under fraudulent tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus previously on XX/XX/2023, to update this suspicious information. I think you have not validated the account that I want to be validated/fixed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I wanted to do a stream line refi so we could get out of this PMI part of our loan. We started the process in the beginning on XXXX and we were told repeately that it will be just a couple more weeks until we close. We were told XXXX then XXXX then XXXX now we get a call today saying that its not happening at all due to the fact its been to long and it would not benefit us at all now! WHAT? I even called in XXXX and spoke with the guy who said its totally us, we are just way behind here we will close in XXXX for sure! What a bunch of XXXX! Its not my fault they were berried in refi applications and for some reason mine got pushed back 4 times!
Product: Student loan

In XX/XX/XXXX, I checked my balance principal before starting grad school for my XXXX to make sure I could cover the balance. I also contacted the school I was applying to. When all was cleared I applied and started my degree. In XX/XX/XXXX my unpaid principal and balance was {$90000.00}. Not long after starting school I was informed that Navient had " found '' XXXX dollars in loans and interest. This was tacked onto my total cost and has put me in a situation of financial hardship at the end of my program. Now the school is saying that I have run out of funds for Federal Student Aid- a situation in which I made sure to avoid before starting my PhD. Furthermore, I have contacted Navient on this issue. They have started investigations that have been dropped, told me that I was right over the phone and that these totals in XXXX do not have an origination and are not connected to a school. I have recently sent out another email to Navient asking about the situation and the investigations- and have no response as of yet. This is fraudulent. I know the company has been in some trouble but tacking on loans to student accounts that are not real is illegal. I'm sure I am not the only student that has costs on their account that can not be backed legally. Navient refuses to respond and investigations keep disappearing. I have proof and paperwork and account balances leading up to the change in funds owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the given scenario, the individual has discovered that a collection account, identified as [ XXXX ], is incorrectly reported as open by the collection agency. However, the account in question was already closed and settled in full according to the information provided by the original creditor. 

This inaccurate reporting by the collection agency has resulted in negative consequences for the individual 's credit score and may impact their ability to obtain credit in the future. The individual, recognizing the importance of accurate credit reporting, has decided to dispute the false open status of the account and seeks an immediate investigation into the matter. They also request that the collection agency rectify the error, update the account status to reflect its accurate closure, and provide written confirmation of the correction made along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my bank card was charged XXXX for a service from the Experian reporting agency after they had already charged me XXXX for my reports and scores. I received no invoice of charges or description of services. I called in to experian to report the charge at XXXX and was rudely placed on hold without warning for 10 minutes by a woman who acted as if she could not understand me. Everytime she came back to the line and relized i was still holding she would placed me back on hold never resolving my complaint about the charge on my card. She then hung up on me. I called back again at XXXX. I then got a man who also was nonchalant about the person who previously hubg up on me. and put me on hold for another 10 minutes. He promise to resolve the issue and agreed to a refund i have yet to receive.
Product: Credit reporting or other personal consumer reports

They never removed incorrect information even though I sent copy of ID and utility bill
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 Section 602 stated I have the right to privacy. 15USC 1681-Section 604A- Section 2 states a consumer reporting agency can't furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit account under an open and a consumer credit product as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX