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

XXXX Ex-husband was awarded the family home along with the responsibility of securing a mortgage in his name. A quit claim deed was filed in XXXX XXXX, Florida public records surrendering my rights to the property. XXXX ex-husband stopped making payments for approximately 2.5 years. A loan modification was granted by a third party which used my name and wages to secure the modification. XXXX modification Modification payments have been delinquent since XX/XX/XXXX and once more tarnished my credit rating. The modification of mortgage extended the loan to 44 years without my knowledge or approval. Yet, my credit is impacted by a debit that required a quit claim deed to release all rights to the property. How can this allowed?
Product: Debt collection

XXXX XXXX, XXXX is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$1400.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Product: Bank account or service

On XX/XX/2016 at XXXX charges were made at a XXXX store # XXXX in XXXX XXXX. I live in the state of XXXX. The first charge was for XXXX @ XXXX, the second was for XXXX @ XXXX. The last purchase I made was at XXXX at the XXXX XXXX XXXX in the town where I live in XXXX. When I found the fraudulent charges on XX/XX/2016 I immediately called and reported them, and I disputed the charges, and cancelled my card. Direct Express refused to put the funds back on the card even though they seen the charges were made in Ny. But still wanted me to dispute them which they say takes XXXX days. I called on the XX/XX/XXXX, they had no record of me disputing the charges! So I had to start the process all over again. This is my XXXX check, and my account is drained. They tell me there is no phone number to talk to the people who investigates fraudulent charges nor is there a corporate number to call. Something is n't right with this company.
Product: Debt collection

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.
Product: Credit card or prepaid card

XX/XX/18 ordered {$140.00} from XXXX  XXXX and returned {$140.00}. I used a discount code and was returned a gift card instead of returning the full amount to the card that I used to originally purchase the items. I contacted XXXX XX/XX/18 when noticing I owed {$30.00}. The company assured me the mishap would be cleared up. I called commenity bank and the company did not see the updated information. I called XXXX again and was assured the error would be corrected in 48hrs. I still have not had anything changed on my account and now am receiving notifications that my credit lines have been decreased for a delinquent account. I have contacted bother parts of the company and no longer know what to do to rectify the situation since neither ends seem to be matching up. I have never not paid any of my bills and have paid my card with XXXX off always within the 30 days.
Product: Debt collection

I have contacted this company regarding this issue. I have no knowledge of this account and have never been contacted regarding debt. The address on the account is also completely wrong.
Product: Checking or savings account

On or about XXXXXXXX XXXX on Monday, XXXX, I received a call on my cell from Navy Federal Credit Union. I was at work but saw that it was my bank, so I answered. The person said that he was calling from Navy Federal Credit Union and asked if I had charged an amount to my debit card from a business in California. I told him that I had not made the purchase, and he said he would remove the amount. He asked me to go to my checking account to confirm that I was the owner. He then asked if I had XXXX XXXX because he could help me secure that account. I said yes and he asked me to go to the account so he could give me instructions. He said he was doing something on his end and needed to facetime me. After he was done, he asked me to try to transfer funds just to see if what he had done was working. I transferred {$10.00} and told him that it worked. He then said it wasn't working on his end and asked me to transfer {$410.00}. I did that and my cell phone went out completely. I was unable to start my cell for about XXXX hours. Once I was able to power on, the phone had been wiped clean of all my data. It was as if I had just purchased the phone, so I had to reset it. I immediately called Navy Federal Credit Union to make the report. I was told that they would give me a provisional {$410.00} until the investigation was completed. The next day, Tuesday morning I received another call from Navy Federal Credit Union, so I answered. It was the same person asking the same questions as he did when he called the day before. I asked him if he had called me " yesterday '' and he hung up. I immediately called Navy Federal Credit Union to report that I had received another call from the same person from the bank and to note this call on my account. After Navy Federal Credit Union had completed the investigation, they deducted {$410.00} from my account indicating that they had not done anything wrong. I wrote them a letter indicating that I felt like the victim of the fraudster and Navy Federal Credit Union as well. However, they never responded to my letter.
Product: Checking or savings account

I MADE AN ATM DEPOSIT OF XXXX CHECKS TOTALING {$3300.00}. MY EMAILED RECEIPT SAID THE FUNDS WOULD BE AVAILABLE ON XX/XX/year>. I THEN RECEIVED ANOTHER EMAIL SAYING THE FUNDS WOULD NOT BE AVAILABLE UNTIL XX/XX/year>. HAD I BEEN PROVIDED WITH INFORMATION UP FRONT SAYING THERE WOULD BE A HOLD ON MY FUNDS, I COULD HAVE DEPOSITED THEM INTO XXXX OF MY OTHER BANKING ACCOUNTS. NOW, I HAVE NO MEANS TO GET MY FUNDS BACK AND I AM FORCED TO WAIT 9 DAYS UNTIL BANK OF AMERICA CLEARS THE CHECKS. THIS INFORMATION SHOULD BE PROVIDED UP FRONT TO CONSUMERS SO WE HAVE THE OPTION TO USE OTHER BANKING OPTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was making payment to them, but it wasn't fast enough for them. They closed the account and sent it to collection. Which I tried to pay but the collection company sent me back the check The credit card company after sending it to collection, has now sent me a bill for an additional fee, and a note that my line of credit is {$5000.00}. 
As well as the collection agency is charging me interest after I paid the bill.
Product: Consumer Loan

Mariner Finance reported my account as closed derogatory to the credit bureaus when my account is still in good standing. The also did this in XXXX XXXX. I did fall behind XX/XX/XXXX and XX/XX/XXXX, but made an agreement with the company to bring the account current which I did and have not been late since. They told me they do n't report to XXXX for months but they do. Now the company is saying XXXX wo n't change it on my credit report. I have been getting the run around since XX/XX/XXXX when I first called. Even their attorney is being difficult and not trying to resolve this issue.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, My name is XXXX XXXX and I am sending you copy of my Driver License, Social security number, proof of address to verify my information and address. 
My current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My email is XXXX. 
My phone number is XXXX. 
Please update and verify my credit file with all provided information.
Product: Debt collection

This debit was paid 2 years ago and the account is reporting as a negative. It is affecting my credit score as they told me that this is would pay for deletion. I have try to resolve this matter only to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.
Product: Payday loan, title loan, or personal loan

I believe that NetCredit has found a creative way around usery laws, and is using a creative method for charging excessively high interest rates. 

NetCredit charges a statement fee every XXXX weeks. The fee of the statement is based on ones balance. This is not fair, a statement fee should be fixed and not variable. As an example, when my balance was XXXX the statement fee was {$90.00}. When my balance was {$1300.00} the statement fee was {$70.00}. Because of their unfair fees, I decided to pay my balance in full. I made XXXX payments within a few days of each other to pay the balance in full, both payments were accompanied by statement fees of {$60.00}, and {$55.00}. 

These fees are predatory, deceptive, and make it very difficult to pay down one 's balance. Paper statements fees should be reasonable. Online statements should be even lower in cost.
Product: Credit card or prepaid card

Few years ago i found out that my identity was stolen several years ago and several credit account were open under my name.I start my own investigation to see what happen because I was very upset and my credit was totally ruined.When I was student I was every summer going to seasonal city as XXXX XXXX MD.Everyone in USA who knows that city know that it is seasonal place, and people go there only for summer to work.When I was there during those years, I was living with 8,9 different roommates from everywhere and always they were changing.So during that time I don`t know how someone stole my identity and opened several accounts under my name and start using it.At that time since i had zero knowledge about credit I had no idea what`s going on, and after several years I find out that I have several collection accounts on my credit.I Then I called to credit bureaus and they told me to go and get a police report.I went to XXXX XXXX police department filed a police report and send it to every credit bureau with those account numbers.Everything was deleted from my report except 1 Bank of America account only in XXXX.
Its been almost 2 years i`m fighting with them and they are not trying to help me at all. 
I did everything what they ask, I send every document possible but they don`t wan na do anything.I`m really tired of this situation.This is ruining my life.I have successful business, i have great future plans but this fraudulent account not letting me to do anything.Please help me to resolve this issue.Your guys are my last hope.Bank of America doesn`t wan na do anything.
Product: Credit card

On XX/XX/XXXX recieved an email from capital one ( I currently have open and in good standing accounts with capital one ) offering to see terms and an offer of a SAVOR Credit Card Line Of Credit. The email directed me to their website I put in my info. Without being able to decide if I would agree to the terms or if I wanted the line of credit I was instantly given a XXXX credit card of which I never wanted nor what was even being offered. This is a classic example of BAIT AND SWITCH. I canceled this card immediately the very same day. My credit score however was very negatively affected. I have tried to get Capital One to remove the hard inquiry and record of this opened then closed account and they have been very unhelpful and difficult to work with. I was asked to mail a letter which would include the account number yet no one at Capital One can provide or say they have this account number to give me. I've looked on any paperwork I have and it only shows the last 4 digits of the account number.
Product: Debt collection

In the year XXXX, I paid for seven ( 7 ) months of individual health care insurance premiums costing {$3200.00}, through the XXXX XXXX  XXXX, which used XXXX XXXX as the medical insurer ( medical insurance company ) which is where I sent all of my payments for my healthcare insurance. On XX/XX/XXXX when I reached the age of XXXX XXXX XXXX ), by the way, my actual birthday is XX/XX/XXXX and then started my XXXX benefits XXXX but I contacted both XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to give them notice that I was going on XXXX because of my age and would no longer need their individual medical insurance. Also I know from my husband 's experience, you can not have two government subsidized medical plans & benefits at the same time. 
XXXX XXXX ( XXXX, GA XXXX Phone # ( XXXX ) XXXX ) ) then sent me two ( 2 ) bills for XXXX & XXXX of XXXX, totaling {$910.00}, which of course I did not feel that I should be billed for since I had already started getting XXXX benefits XXXX Again I contacted both XXXX XXXX and the XXXX  XXXX XXXX to explain the situation, and both said that it was being taken care of, since I was billed in error. But I continued to receive statements from XXXX XXXX saying that I owed them for two ( 2 ) months of medical insurance, again totaling {$910.00} until they threatened to send my debt to a collection agency. 
This has been a nightmare for me because I was led to believe that everything had been taken care and apparently that is not the case since I have now been turned over to a collection agency called - RMS ( The Receivable Management Services LLC ) located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # ( XXXX ) XXXX with a Reference No. XXXX. I am in the process of writing and telling this company the same story that I have stated above, but I am not sure that anybody is listening to what I have to say.
Product: Debt collection

XXXX XXXX is reporting an alleged debt that I do not know anything about. I sent validation letters certified mail and this company has yet to respond but they are continuing to report this debt on my credit report. This company is damaging my credit as well as my name.
Product: Consumer Loan

I pay my bills online every month. I authorized a payment on my auto loan to WELLS FARGO DEALER SERVICES on XXXX/XXXX/2015 which was paid. WFDS attempted to take a second payment on XXXX/XXXX/2015 which was returned and a {$28.00} overdraft fee was charged to my account. I did NOT authorize this payment. I spoke with WFDS and my Credit Union about this situation. On XXXX/XXXX/2015 WFDS put through the second unauthorized payment which overdrew my account again and I was assessed another {$28.00} fee. [ My checking account is with a different bank. ] I 'm on XXXX and get paid once a month. Now I 'm short for the rest of the month and neither bank will help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported is incorrect : XXXXXXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}
Product: Mortgage

XXXX XXXX XXXX, XXXX, GA XXXX. My husband went into the office at CitiFinancial to fill out the credit My husband responded to a mailing advertisement for a loan from CitiFinancial Services Inc., XXXX XXXX XXXX application because of debt 's and credit cards. My husband signed the Disclosure Statement, Note and the Security Agreement on XXXX XXXX, XXXX. He borrowed {$65000.00} and used the house as collateral. At that time I was lead to believe by XXXX XXXX XXXX ( Loan Officer ) CitiFinancial Services, " By signing the Arbitration Agreement was just an acknowledge that my husband was getting a loan. '' This was misleading. 
My husband filed for bankruptcy a chapter XXXX on XXXX/XXXX/XXXX. Unfortunately, he passed away during that initial process. The courts then converted the chapter XXXX into a chapter XXXX on XXXX/XXXX/XXXX. The loan was discharged XXXX/XXXX/XXXX. CitiFinancial stated that I would have to pay the loan or foreclose on my home. CitiFinancial determined the amount that I had to pay to keep my home initially was {$660.00} back in XXXX/XXXX/XXXX thru XXXX. Then the payments due to my financial hardships were reduced to {$460.00} from XXXX until XXXX. In XXXX/XXXX/XXXX due to my financial hardships the payments were further reduced after a loan assumption calculated the new monthly amount being {$200.00} which is being paid currently. As XXXX XXXX/XXXX/XXXX the balance remaining on the loan was $ XXXXafter paying for the last 10 years.
Product: Debt collection

More than 10 years ago I was a co-signer on a student loan for an ex spouse. In the last two weeks, I have received daily phone calls demanding payment. I have no connection with the borrower and was offered no options for resolution. I was threatened with negative action against my credit if I did not make a payment. I had no information regarding the loan and was offered no verification on loan amount, past due amount, or even account numbers. I asked to no longer receive phone calls regarding the matter, and was told the " calls will continue until you pay. '' This is harassment and a violation of the law regarding debt collection.
Product: Student loan

My loans went from the Educational Department to XXXX XXXX, and when I applied for PSLF to FedLoan Servicer. I had to start over again as my repayment plan was not that one that was excepted. How did they not catch that? So, at almost {$400.00} a month I decided not to go back on the income based plan. 
I found out about the the Temporary Expanded PSLF, and even though FedLoan Servicing actually holds my student loans, I was notified that their records show that ; " Our records show that you have not submitted a PSLF application to date ''. I am just one guy that has worked for the XXXX XXXX XXXX for a little over 10 years. I can make it though. However, is this shady practice of how the ED works effecting our educators and public service providers as well?
Product: Mortgage

I applied and received a XXXX forbearance back in XX/XX/XXXX for 6 months. In XXXX my mortgage was sold to a new company and I resumed payments in XX/XX/XXXX then the mortgage was sold again in XXXX to my current mortgage holder and I made a couple of more payments. In XXXX the stoped taking payments. I applied for a loan modification with them providing proof of pandemic forbearance and income etc.I was denied in XXXX. I was approved by my original mortgage provider to make payments. But My new company wont take them. Any help is appreciated. Time is of the essence XXXX is 6 months since they stopped taking payments they say I am 11 months behind, 6 from XXXX relief and 5 from them not accepting payment, they have been wanting all missed want all payment in full, I am being forced into foreclosure. this is also my primary residence. Thank you in advance.
Product: Credit reporting or other personal consumer reports

This company Transunion continues to report fraudulent information even after being notified. 
I am a victim of Transunion my rights have been violated prior to rental and housing been denied. 
I place a freeze on my profile and it wasn't lock and it is still open. My profile was never frozen
Product: Money transfer, virtual currency, or money service

Please see attached checks submitted to XXXX XXXX bank in my account. XXXX XXXX did not submit checks to me. I have 8 reps from Huntington bank and 4 from XXXX XXXX on recording confirming these check raise red flags due to numeours things wrong with the checks account numbers, routing numbers, the branch number being bogus, the handwritting on the checks. All the information provided to me was the check looked as if it cleared but no funds were deleted from XXXX account. A branch manager has confirmed the watermark is not that of Huntington bank and I can provided audio. XXXX XXXX has stated that they believe someone is impersonating me and cashing these checks. It is my belief that XXXX has had help at a local branch level of XXXX XXXX and that these checks were made to appear that the checks were deposited into my account and withdrwrawn but can not produce withdrawl slip for transactions. I was out of town duirng transcations. My statements that are in PDF form reflect a differnt account for the transaction from before I went into the XXXX XXXX branch on my own and then differnt after a XXXX, Ga police officer went in with me. There are 4 differnt snapshots of the account and all are differnt from time to time. There is fraud comitted here!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating my score is lower than it really is, XXXX XXXX XXXX FICO states it is XXXX
Product: Debt collection

Portfolio Recovery Associates, on behalf of XXXX XXXX, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both PRA and XXXX.