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

My student loans had gone in default and were transferred to a collection company- back in XXXX  I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through Great Lakes and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.
Product: Checking or savings account

I bought a home in XXXX, {$69000.00} and moved to the XXXX XXXX. I became a real estate agent. I opened a bank account with Bank of America, in the city of XXXX. and soon after, I started getting non-sufficient notices after I would make any type of payment with my checking account or debit card. I work in the XXXX XXXX field and I was making large deposits from my commission checks. i always made sure that I had sufficient funds before i made any payment. I lost my house. 

First I started receiving a new debit card in the mail without me requesting one. i contacted the bank and they could or would not tell me why I received a new card. I did not report it stolen or lost, so I was confused. I then started receiving calls that my payments to my Mortgage, my utilities had not been received. Everytime i got a call I would confirm that I made the payment. I was always told my payment was not received but my checks would come back as paid every month. I would have to make the payments again, by cash to XXXX XXXX I thought maybe someone got a hold of my account, so I would close out my account and open a new one. In XXXX I bought my 2nd home, {$210000.00} and the problem continued, I was told not 1 payment had been received, I lost that home, and became homeless. In XXXX I bought my 3rd home {$190000.00}. The worst was when I bought a Cell phone store, I lost $ XXXX and it was lost instantly, it just disappeared. The calls kept coming in telling me they did not receive my payments. I had my utilites shut off. I would go to the bank to speak to the XXXX, He would leave to lunch and not come back. I did this for months I could not put my money in the bank anymore. I lost all my houses, my XXXX, my XXXX, because my payments never made it to the companies. I still can not open a bank account because if I do my money just disapears. I did a lot of investigation and found that my money was going out of my account by online checks they were not real checks they were just look a like online, but Bank of America would not help no one would help. My family started thinking I was spending my money and not paying my obligations. I no longer could put money in the bank because it just disappeared. Please help me. I would like to recover or get back what they took from me or the monetary value of all my losses, since XXXX. I'm sure you can find all my account in storage. I even went to XXXX XXXX to get copies of my checks to my account because they said that was the place all document were stored, to prove I made my payments. I had no luck. Till this day I am trying to recover but I can't, I had such major losses, I don't know how to recover. In XXXX I received a check from my Mortgage company for 1 full payment that somehow they found. this was the same payment they said I never made and lost my 3rd house along with everything else I had. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.
Product: Credit reporting or other personal consumer reports

I recently received a credit alert from XXXX that my Plus Finance Credit Card had been posted as XXXX  days past due. XXXX  days past due in XXXX XXXX, XXXX  days in XXXX XXXX, XXXX  days in XX/XX/XXXX, and XXXX  days in XX/XX/XXXX. 

Over the summer, I missed payments in XXXX and XX/XX/XXXX. XXXX  days late in XXXX, XXXX  days late in XXXX. In XXXX, I reached out to Plus Finance and enrolled in a 6 month payment plan in order to get payments back of track. The plan was for {$10.00} a month, for 6 months. 

The first payment I made was XX/XX/XXXX of {$10.00} under the payment plan. I thought my account was on auto draft, but I received notice in the middle of XXXX that an XXXX payment was not received. I called Plus Finance on XX/XX/XXXX, paid the missed {$10.00} payment and the current due {$10.00} for XXXX. I was told that the missed XXXX payment removed me from the payment plan, and that it would be restarted once the XXXX payment posted. 

The payment posted, and I am back on the plan. However, the late payment status was still reported to XXXX for XXXX  days in XXXX ( while on payment plan ), XXXX  days in XXXX ( could be accurate due to payment plan only starting in XXXX ), but payment was made on XX/XX/XXXX while due date was XX/XX/XXXX. My XXXX payment is not due until the XXXX. Do not agree or see how a late payment can be reported for XXXX when payment was made, and especially for XXXX when the payment due date is still 23 days away! 

I called Plus Finance Credit Card tonight ( XX/XX/XXXX at XXXX EST ), and the supervisor I spoke with apologized for the reporting, but said nothing could be done because I missed a payment in XXXX. Even after trying to explain the details, her only response was that nothing could be done because a payment was missed in XXXX. Even if payments were XXXX  days late over the summer, and potentially XXXX  days late in XXXX, they were not concurrent, nor should a late payment be posted in XXXX when the due date is at the end of the month. 

XXXX I spoke with at XXXX est on XX/XX/XXXX said there was nothing she could do, nor anything the company could do to fix the situation. All because " a payment was missed in XXXX ''. 

How can I get this error fixed on my credit reports, even if it's just the late payment status for a XXXX payment that is still 23 days away?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX
Product: Student loan

First of all my loan was in administrative forbearance XX/XX/XXXX to XX/XX/XXXX Nelnet has me listed as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. I have tried XXXX times for them to correct. First they said because I ignored XXXX late notices that werent changing it. When I showed proof that I contacted them on XX/XX/XXXX and they had filled out new application themselves for me to sign which I did and sent back same day on XX/XX/XXXX and sent documents on XX/XX/XXXX that were requested including proof that my wife was on XXXX which they already had. The second response just said not changing no reason given. I have more.
Product: Vehicle loan or lease

One of the problems is constant calling even after payment has been made ; all day every day, 7 days a week. I have made agreements with them, and they continue the harassments, they always act as if we had no agreement or not honor a request to change pay date, after they let me know that i could change the due date after a certain period of time. There is always an excuse as to why they can't do something to work with me. The truck they are financing is just over a year old and just a few months before the year ended, the engine went up, Westlake, the finance company also owns the warranty company ; XXXX engines late and over a month of waiting for my truck because the warranty company sent a bad engine. I complained to Westlake, they showed no interest that the vehicle they finance was not in good shape to be sold, this is along with many other serious issues the dealer found while installing the engine that did not happen with me. One problem after another, and not much assistance from Westlake.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Product: Credit reporting or other personal consumer reports

I received from transunion credit reporting investigation which came back verified XX/XX/year> file # XXXX they didn't send me proper investigation as far as this account reporting HUGE ERRORS, AND MY RIGHTS HAVE BEEN VIOLATION FROM LACK OF PROPER INVESTIGATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax notified the apartment community of my credit report. I was declined to rent due to two large accounts turned over to collection agencies appearing on the Equifax report. 
One - XXXX XXXX XXXX in the amount of {$2700.00} and the other was XXXX XXXX XXXX in the amount of {$5000.00}. Since I submitted my disputes on XX/XX/XXXX, XXXX XXXX XXXX amount of {$5000.00} has been deleted/removed off of my report. However, I received notice from Equifax they needed to extend the time to reinvestigate ( to XX/XX/22 ) the collection from XXXX XXXX XXXX. This is outrageous! XXXX has cleared all these bogus accounts that I did not open. I don't understand why this is taking so long with Equifax. I am XXXX on a friends sofa waiting to get approved to rent at a HUD housing community. Can you please check into this for me? I understand CFPB has help many others and I hope to be another success story. One last important piece of information, there are several people that have stolen my personal information ( CA ID, Social Security number, birth date, full name, where I was born, and employment history ). 
There are so many inquiries on my report that I never initiated. 
Thank you!
Product: Money transfer, virtual currency, or money service

Coinbase has not responded to any inquires about my account and has essentially stolen the money in it. I hadn't used my account in about 4 years and no longer had access to my email used to create it but I did have the same phone number. I also had legally changed my name in that time. I submitted all documentation to Coinbase regarding my old name, new name, and inability to access my old email and they have never responded. After I called they said I would receive an email to unlock my account within 24 hours but again they sent it to my old email that I can't access. They are stone walling me so they can keep my money on their exchange padding their numbers, since they're worried once I get access to it I'll pull it out. I didn't know who to contact but read online if the company won't help the CFPB will. I just want my account unlocked and access to my funds. I recently received an email on my new address saying that there was suspected fraud as someone tried to transfer out nearly XXXX dollars worth of bitcoin. I contacted them again after this and was given the same " will send an email within 24 hours ''. It's absolutely ridiculous. And since I did get a fraud alert email to the updated one, it means they do have it they just choose not to use it for anything that could lead to me regaining access to my account.
Product: Vehicle loan or lease

I purchased a used car from JD Byrider and it was financed through thior finance company CNAC at 24 % interest. The car had mechanical problems from the very beginning. I took in into the JD Byrider in XXXX SC on XXXX/XXXX/21 and finally got it back on XXXX/XXXX/21. On XX/XX//21, the car stopped in the middle of a busy road and would not start. I got out and some people helped me push it to the median. It was pouring transmission and motor oil from underneath it. I could not get to work when I had no car and I tried to reason with XXXX and they hung up on me numerous times. I have a new job and have worked here less that a month and missed several hours today because I was stuck waiting on JD Byrider to come get my car with a wrecker. I also had to pay for the tow bill. I do not think I should be expected to keep making payments on a car that I can not drive to CNAC will not talk to me about it. They tell me to call the service department at my local JD Byrider. I would like someone to assist me in getting some financial relief from CNAC owned by JD Byrider. 

I recently traded my car in because the problems above were not fixed. They gave me my car back and said everything was completed. Not even a month later my car was broke down again. I called in for my payoff so I could trade the unit in and they said they would email it to me. I never received the email. I then got a preapproval for a new car and went to trade it in. At that point both the dealership and I attempted to get the pay off information. In the 6 times that I called to get the payoff I was hung up on, told that I could not receive my pay off. and that I had to trade the unit it on their lot. I was also told that it would take up to 72 hours to get my payoff. I then told them I was going to file a complaint and they hung up again. The last time I called they finally gave me the pay off. Now CNAC calls me EVERYDAY and tells me I am delinquent on my car loan that I no longer have with them and I have told them several times that I traded it in and they still continue to blow my phone up. They are now going to report my payment as passed due on my credit even though I no longer have the vehicle.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX Balance : {$240.00} 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

Hello i am having a problem with my mortgage company Penny Mac. I originally called Penny Mac with the intentions of looking for a pool loan instead I was talked into doing a refi with their company. Penny Mac told me my mortgage would be cheaper by about {$150.00} per month making my new payment {$1900.00}. As you could assume that was great for myself and my family. But, this amount did not last long bc I just received a letter in the mail saying my escrow account is in deficit by over {$8000.00} and rising! When I called Penny Mac their excuse was that they did a estimate for property taxes of around {$2000.00} but the taxes where over {$6000.00}. When I first spoke to them my deficit was in the {$7600.00} range and now just a few weeks later it 's more than {$8000.00}. They said the only thing they could do is up my mortgage to {$2500.00} over a duration of 4 yrs but yet my escrow deficit is still climbing. So now we were dropped by our flood insurance bc there was not money in our escrow account, and picked up by lender assigned flood insurance at a more expensive rate. Also when I called about this they added GAP insurance without my knowledge that day after speaking with them which added an extra {$600.00} or more to deficit. Please help Penny Mac has done nothing but take my Financial security away from me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 around midday. I initiated a XXXX wire from my personal checking account to my settlement company for the closing on my house. 

On XX/XX/2022 in the evening around XXXX XXXX  XXXX  I notice a temp hold on the wire so I call and ask what is going. They tell me the fraud department needs to talk to me to do verification. They dont open until the XXXX XXXX  the next day On XX/XX/2022 at XXXX XXXX  I initiate a chat online with citi XXXX well as calling them. On the chat I am told the wire is processing and should be complete within the 24 hours. 
On the call I am told the wire is still pending by a department that does not take calls and they can not give me any more information. 

I call again immediately after just to spin the roulette wheel of people and the same information is given. Basically they have no information. Money is in a XXXX hold and just wait for the bank to call. This doesn't help me for a closing in XXXX hours. 

This is not normal behavior for any banking transaction I have ever made.
Product: Prepaid card

I rented a vehicle from budget which was XXXX I believe attached is reciept and my card was locked at the time and chime charged my card {$6000.00} on a prepaid credit card with XXXX dollars in account cause I paid the rental car already and my card was locked they said it was a forced transaction
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$8500.00}
Product: Debt collection

Received a voicemail from Harris & Harris # XXXX. 

Voicemail states that they have a file on me and that they have tried to repeatedly contact me, going to file a lawsuit against me, typical fraud phishing scam. I have received no written communication from anyone concerning a debt. Written communication is a requirement for any debt collection company doing business in Florida and they also have to be licensed in Florida. I could find no such license with the state. I sent this information to State Attorney General XXXX XXXX as well. 

I researched online to find tons of complaints against this XXXX based company and that it's a fraud company phishing scam. 

I did not answer the call or respond. I blocked the number. 

Then I received a text message later the same day from them. I also replied STOP and reported the number as junk. 

This company needs to be investigated.
Product: Mortgage

My original loan through BMO Harris- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is XXXX. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the BMO Harris number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.