23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern : This problem began 5-6 years ago, when XXXX had a promotion where they would pay any cancellation fees to our current carrier if we were to switch to them. Having multiple lines at the time, we knew this was a good deal, as it would lower our monthly phone bill significantly. After going through the long process of moving all of our lines to XXXX, we were instructed to go down the hall to XXXX XXXX this was in a mall ) and just start the cancellation process and that afterwards any fees would be " taken care of ''. 

It all sounded straight up, and I still don't feel that XXXX  was being dishonest or misleading. What we believe happened was that XXXX didn't like the marketing strategy and started some maneuvers to fight back, leaving we, the consumers, holding the bag, while two giants duked it out with all their legal mumbo jumbo that we couldn't keep up with. We also ended up in a mess right at this time when my husband lost his job- we were simply fighting to stay afloat. No time or resources to address this phone issue. 

We have given a very condensed version of events but hope this gives a good picture of what is going on. We initially talked to XXXX, who gave a small payout for compensation, which we don't remember what happened with it. XXXX was even less willing to work with us. Regardless, we believe that this is a debt we do not owe.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, applied for a personal loan through the www.onemainfinancial.com website in the amount of {$1500.00}. After entering my personal information credit was ran and pre-qualified for a 'secured ' loan for up to approximately {$7000.00}. The secured loan turned out to be a Title Loan, sort of a refinance with cash-out, similar to a refinance on a home loan refinance. 

The insane part was that after calculating all the costs the representative came up with an interest of up to 30 % if they were to payoff my car loan with my current lien holder and provide me with the cash out of {$1500.00} that I applied for. My current interest rate is at 4.33 % with my current lien holder, no reason to change that to a 30 % interest for just {$1500.00}. Of course I declined the offer without even considering their approval. 

This is a despicable for some one who just needs an extra cash of {$1500.00}. 

The branch that handled the call is located at XXXX XXXX, CA XXXX, phone number ( XXXX ) XXXX.
Product: Checking or savings account

I generated an online bill pay check I instructed to be made payable to a lawn and landscaping company for {$210.00} on XX/XX/XXXX. On XX/XX/XXXX I received an email from the company reminding me that I needed to send them a payment. I checked Huntingtons online bill pay and saw that the check that was sent was cashed. In looking at the copy of the check that cleared it had been made payable to an individual not a business at a different address than I had provided in online bill pay. I do not know this individual and have filed a police report as well as given a copy of the cleared check front and back to the XXXX XXXX Police Dept. 

I informed the lawn service that the check was cashed by the above individual, they do not know a person by that name. I received an email a couple days later from the company letting me know that another one of their clients used Huntington Bank to pay them and that client had their Bill Pay check cashed by the same individual as well. 
I do not know if the error occurred on your end or this person intercepted and altered the checks somehow. 

As of now, it has been almost 3 months and there has been no resolution. Every time I call Huntington I have had to wait on hold for at least 30 minutes before I speak with someone. No one seems to have an answer as to what is going on with the dispute. The last answer I received was that they were waiting for the credit union that cashed the check ( Via mobile deposit ) to respond 8 weeks after they had initially informed me they contacted them. I asked if anyone had followed up with the other credit union and their reply " I don't know I haven't heard back ''. I was on hold waiting for the agent to connect me with the dispute department and while on hold, the individual hung up on me and put notes in my account that the call was " disconnected '' I called back, and received another agent who assured me she would look into it and give me a call back a week later. This day has since passed and I have not received a call. 

The majority of this information was supplied to Huntington bank in the affidavit I filled out and returned to the branch in XXXX ( XXXX ) to submit. 

There appears to be no quality control in the customer call center based on the several experiences I have had. Some of the individuals were nice enough but, no one seems to actually care about the problem or follow up with me as promised. I asked for the escalations department at one point and they put me on hold for at least 10 minutes. When they came back the escalations department had told the agent that they didn't want to talk to me and she said she would call the person working on the dispute. After waiting on hold again that is when I was disconnected.
Product: Debt collection

I received a letter claiming I owe a debt from a collection agency when I was not contacted about this debt prior to sending it to collections. I am unaware if my roommate was contacted or not, however if we are XXXX being held accountable, we XXXX should be contacted separately, as we no longer reside together. 

I do not owe charges to replace the carpet in the apartment, as we noted upon move in, that the carpet was sufficiently worn in the areas they are now claiming were our damage beyond normal wear and tear upon move out 6 months later. I vacuumed weekly, not once was a single thing spilled, and we did not have company over as we are XXXX from Connecticut. The damages they claim are what we noted upon our move-in inspection and are not possible with our standards of living and within 6 months. On the carpet invoice dated XXXX/XXXX/2015, it states disputes will not be honored 30 days after invoice date. I was not given the chance to dispute these allegations, as I was not notified. It should also be noted, that there was a change in management between move in and out dates. We are being held accountable for the discrepancy of their change in standards in regards to move in and out conditions. Had the same person done the inspection prior to us moving in, they would have seen that the carpet was in the same condition upon move out. Neither the management prior or current have pictures at the inspection times of move in or out apparently ; nor do I, as our previous apartment, we never had these false accusations of damage. I thought we were quite meticulous with our move in inspection notes and intentionally noted the carpet condition under " additional comments '' as we felt it did not pertain to any one category. I will be sure to be overly persnickety in every rental agreement to come now, because of these false accusations. 

The leasing office was verbally notified we would need to terminate the lease as far back as mid XXXX. I am aware, however, that they needed written PCS orders which the XXXX did not provide until XXXX. My roommate stated he was taking care of the final payment for rent as I had moved out XXXX XXXX, 2015. I understand I am legally bound by the contract, however, if I am being held to this debt collection I should have been notified of the debt prior to the collection agency. A resulting {$370.00} in legal fees is now also being charged, in addition to the carpet replacement they are trying to pin on us.
Product: Student loan

There have been ongoing issues with my account. I was taken out of deferment and charged interest and invoiced payments starting in XX/XX/year>. When I called because my account was supposed to be in deferment they said they made a mistake and will refund me the interest and payment ( 60 days or more ). It has been over sixty days and haven't seen the money or interest. I was deemed ineligible for my PSLF count in addition. 
I have been making targeted payments as I have always done and MOHELA claims I can't do that. They forced me to make an additional payment. The only option I have when making a payment is targeted loans. When I made the payment it charged around {$30.00} more than the payment due. After making the payment it showed I still owed {$.00} due. I completed the payment on XX/XX/XXXX. In the mean tiem I am getting emails that I missed a payment. Today I checked and it shows I owe {$220.00} due by XX/XX/XXXX. This would be a third payment. 
If I am late on a payment they told me I will lose PSLF. I have 100 payments out of 120 already made. 
They have claimed during the last time I submitted PALF employer paperwork that it was denied as they weren't able to confirm. Keep in mind I have been submitting for eight years prior. I had to wait on the phone for three hours to talk to someone to get is fixed. I recently received an email sharing that I have not submitted PSFL paperwork in over a year and it was due. 
They have made threats of upping my payment requirements. 
They have been sending memos sharing that they are dealing with all of this, but aren't In one memoe a paragraph shows that XXXX through XXXX will be eligible for PSLF counts and another paragraph that says I will not get credit for XXXX. 
Another issue is when I pay off my targeted loans they are still showing repayment and not paid to be reflected on my Credit Report. 
I have raised concern with them, XXXX XXXX XXXX ( who continues to try to close the case without resolve, the XXXX AG 's office and now you.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove thank you XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX
Product: Mortgage

I recently refinanced my loan and the new loan closed on XX/XX/2021. In my closing documents, it is clearly identified that the lender ( Aurora Financial LLC ) is going to sell my new loan to a servicer ( XXXX XXXX XXXX. In addition, my closing document also provided me with my first mortgage payment coupon and wanted me to send the first payment ( due XX/XX/2021 ) to the lender ( Aurora Financial LLC ).

I reached out to Aurora Financial on XX/XX/XXXX via email to clarify where to make the first payment and was told again that I should make the first payment to Aurora. On XX/XX/XXXX I reached out to Aurora again to see if I can submit my first mortgage payment to Aurora through the online payment system that I used before. I was told XXXX XX/XX/XXXX ) again that I should use the payment coupon for the 1st mortgage payment that came with the closing package therefore, I can not submit the first mortgage payment online. 
On XX/XX/XXXX I received another email from Aurora Financial indicating that I should not submit the first payment to Aurora as I was initially told rather, I should wait to receive new payment and servicing information that I should be receiving via email from Post Closing. Since then, I tried to reach out to Aurora Financial multiple times for information on the first payment and servicer but I have not received any first payment or servicer information from them and the XX/XX/XXXX payment is due 6 days from today. Lastly, I have an upcoming state tax payment on XX/XX/2021 and Aurora Financial already collected this amount as part of my closing.

Overall, I am not pleased with Aurora Financials business and communications and I hope your agency will follow up on this matter as soon as possible to correct the problem. As a consumer, I should not have to babysit a lender in order to ensure that they are fulfilling their legal and fiduciary obligations. I provided them with everything they asked for and, they asked for a lot of personal information as part of my closing, but they are not doing their part as the law requires.

I hope to hear from you soon Sincerely,
Product: Debt collection

1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$330.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE 2.1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$810.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE 3. 1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$290.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS C0MPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for Experian to remove inquiries that were fraudulently placed on my consumer report. I have no open accounts with these businesses. I am requesting for them to be removed immediately because I don't agree with them. 

The following inquiries must be removed as I did not initiate them or authorize any party to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all XXXX credit reporting agencies. This false incorrect information continues to be reported on my credit reports Equifax, XXXX, and XXXX. 

These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXX XXXX account # XXXX
Product: Debt collection

Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The XXXX XXXX XXXX since receiving this letter.
Product: Money transfer, virtual currency, or money service

About 4 weeks now I have been getting different information from different agents with in the suntrust customer service. I deposited a check, in which they closed the next day I was advised that the account will be closed with in the next 5 days and that I will have a letter sent out stating why and I will receive my check I have not received my check and I have been getting the run around in regards to getting my money I would like them to give me my money to pay my bills I dont have anything. Their basically taking my money and have failed to disclose why my account is on hold. They have failed to let me know anything in regards to my funds.
Product: Student loan

Around XXXX of XXXX MOHELA, the company that bought my student loan a few years ago, increased my monthly payment on my Income Contingent Repayment Plan by over {$1000.00} without notifying me. Because they did not notify me of the increase, I continued paying the same amount that I had been paying for the last 16 plus years. I found out about this $ 1000 monthly increase in XXXX of XXXX when I tried to get a loan for a house and I was told that my credit had a problem. The problem was that MOHELA had reported that I had missed 3 monthly payments. 
At that time I contacted MOHELA and they immediately corrected the payment to reflect the exact same amount that it had been for the previous 16 plus years. MOHELA then sent me a letter that said I was in good standing. HOWEVER, they did not rescind the notifications they previously sent to the various credit reporting agencies. Due to the fact that the notifications they sent were not accurate, I disputed their claim that I had a late payment. I contacted XXXX, XXXX  and XXXX. But MOHELA refused to rescind their notifications with any of these agencies. 
This led to a correspondence between MOHELA and myself that lasted several months that involved MOHELA giving me the run around. 
So I filed a complaint with the XXXX XXXX XXXX. Still MOHELA refused to rescind the inaccurate notices to the credit reporting agencies. My credit score is still hurting because of this.
Product: Credit reporting or other personal consumer reports

I have called this credit bureau several times asking them to send me a copy of my credit report and to this date I have not gotten one. I tried accessing my credit report online but without success. I do have online accounts with this credit bureau and when I try to sign into my accounts I am having difficulty accessing my credit report. 

So, kindly and please send me a copy of my credit report please.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ). I am a victim of identity theft, and the accounts and inquiries listed below were not authorized by me. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexis Nexis about an error on my consumer report and it has yet to be corrected. Your last response to my complaint was my address, social security number, and bankruptcy account number were accurate. This leads me to believe that you NEVER read my complaint. I NEVER said these things were inaccurate but I pointed out some other things that were inaccurate and I even provided proof. However, you did not investigate the complaint properly or you just didn't do it at all. I have no clue what you guys are doing in your office or if you are actually doing your job. Once again I am challenging INACCURATE information that you have reported on my consumer report and I am providing you evidence that the information is INACCURATE. 

Here is the original complaint : I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from Pacer. I pulled up the documents from Pacer to make sure all information you were reporting was correct. It appears you did not get your information from Pacer. I have also included information from Pacer that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : The county you have listed is XXXX but it was not filed in XXXX county. The county on the Pacer report is XXXX. The court name you have listed is Texas XXXX but that is not the name of the court the bankruptcy was filed in. The court name on Pacer is UNITED STATES BANKRUPTCY COURT XXXX XXXXXXXX OF  TEXAS. According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my Lexis Nexis consumer file. I have reported this several times but nothing has changed. I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from PACER.
Product: Credit card

I have a balance transfer offer with Citibank that expired in XXXX. I plan on paying the entire balance in full. By XXXX XXXX, Citi charged {$39.00} to my account. I want to get these fees waived, but have had difficulty in the past doing so with this bank. Been a Citi cardholder since 2012, never made a late payment and my credit is excellent. Recently, I spoke with a Citibank representative. They were able to reduce my interest rate. This happened before the interest charges posted on my account.