23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The first conversation with Convergent Outsourcing Inc. was done on XX/XX/XXXX at XXXXXX/XX/XXXX. The debt amount was for {$2300.00}. Talking with agent, she said they will accept {$730.00}. I did not have that amount available at that time. Therefore, I called the next day, Tuesday XXXX of XX/XX/XXXX. I spoke with an agent and we agreed that I was going to pay the {$730.00} the amount that I had talked with the other agent the day before. When I was ready to pay he asked for my bank number or debit card. I wanted to pay with a cashier 's check so I had the cash on hand. I told the agent I had to go to the bank to deposit. At the bank I talked to the staff and they let me know that the fact that Convergent did not want to accept a bank cashiers check raised a red flag. 
I then proceeded to call back to Convergent to let them know that I would be paying the amount of {$730.00} using a cashiers check. I told the agent I was not comfortable giving my bank account or debit card. I was concern with fraud issues. I wanted some paperwork for my records. I also asked for a letter or email that stated in writing that Convergent had agreed to the amount before I send payment. They refuse to send me any letter or email that they would accept the amount as paid in full. And that the only form of payment was with back account, debit card, or personal check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the indigo credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am already tired of submitting dispute letters to the XXXX XXXX sibnce they have been doing nothing! NO CORRECTIONS, NO UPDATE AND NO REMOVAL OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT FILE! I am stupefied by the Credit Bureaus consistency in ignoring my letters as well as non-compliance with the FCRA. the only option left for me is to file a lawsuit against the Credit Bureaus and sue them for the damages done on my Credit File. Is it that hard to remove these inquiries? I have been informing the Credit Bureaus that I was a victim of Identity theft and that these inquiries are never mine neither authorized by me! I need the following items removed completely from my Credit Report as soon as possible : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo denied Claim XXXX and reversed provisional credit. The is ridiculous. as the Merchant did not render the service! I want my money back pronto. I will not stop until it is returned. My bank won't even protect its customers. This is sad.
Product: Checking or savings account

Someone opened an account with TD Bank in my name. I did not initiate the opening of an account ever with TD Bank. I have reached out to TD bank several times now and was told it was taken care of and it has not. 

I have now received a debit card, overdraft fees on an account that is fraudulent and been going in loops with the bank yet again today.
Product: Consumer Loan

We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 XXXX processed refund to Paypal of {$340.00} for 2 non delivered futon sofas. Paypal refused to refund my 1st payment of {$86.00} unless I pay the other 3 equal payments even though they were paid in full by XXXX on the same day, thus forcing me to close debit card used and file chargeback with bank.
Product: Checking or savings account

On my VENMO account they have been charging me double for transactions. They take money out for a pending transaction and then they turn around and take it out again, once the transaction is complete. They have been doing this on my account for at least a year.
Product: Credit reporting or other personal consumer reports

I never applied for or requested credit from any of these companies, and have told this to Transunion multiple times. I requested proof, and all they respond with is that these inquiries will remain for two years. They don't even investigate. 

XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX  ( Home shopping ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX ( Finance ) - XXXX XXXX, XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX
Product: Student loan

With student loan repayments starting back at the end of XXXX, income driven repayment restarted. My income driven repayment date is XX/XX/XXXX, however this falls within 6 months of payments restarting and should be ( per federal government guidance ) pushed back 1 year to XX/XX/XXXX. I emailed Mohela about this correction > 1 month ago without a response ( other than an automatically generated email promising a response within a few business days. I called them about 2 weeks ago and informed by the customer service representative that I was correct and the date should be updated within about 1 week. We are now 2 weeks later and no update. I am concerned that my payments will increase dramatically within the next month if this issue is not addressed.
Product: Checking or savings account

My account has been frozen. I was requested some documents which I promptly provided, but I keep getting requests for more documents which I have been providing since my funds are stuck in the account. I still do not have access to my funds.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX in XX/XX/year> in an attempt to resolve a balance of {$28.00} showing on my credit report. Although I did not recognize this account debt or lender, I was willing to pay the {$28.00} to resolve it from my credit report. The associates I spoke with several times stated that this account has been charged off and there is no way for me to make a payment to them or any third party for the debt to be removed from my credit report. They stated the account has been closed and can't be reopened and there is no way for this situation to be resolved. When I disputed this account stating that I don't recognize it, they fought it and refused to allow it to be removed. In essence, they are holding my credit report hostage, by reporting the account as open, past due, charged off, and not allowing me to make a payment to resolve the account even though I don't claim ownership or responsibility. It is completely unfair that I would have to let this negative mark appear on my report and not be allowed to seek recourse.
Product: Vehicle loan or lease

Lender is XXXX XXXX # XXXX on a XXXX  XXXX. Payoff was requested with a per diem over a certain date but the payoff was received on their end and credited before. A payment was sent in before the due date before deciding to payoff. The payment on the very 1st payment was sent for XXXX. They took all but XXXX in interest even when the payoff with per diem was included. VIN XXXX was the actual Car loan was placed upon. Again, this was the very first payment ahead of the payoff? I called and they provided the breakdown and it showed all of those wa interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

Logged on to my Transunion account online. Tried to dispute a few accounts but when I got to the end to submit it, I got an error message that stated the accounts I was trying to dispute were not currently on my report. I 'm confused because if I am able to see the accounts and it gives me a dispute option then it must be on my credit report. Unless Transunion is not updating the correct information but its causing me to not be able to get a home. I need this to be fixed.
Product: Student loan

I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.
Product: Checking or savings account

It's pretty much been the entire time that I have been with Wells Fargo. There's always these weird little charges. All these outrageous overdraft fees when people live paycheck to paycheck. It's hard to keep money in the bank all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I purchased a XXXX XXXX XXXX from XXXX XXXX  of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX Chase repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a XXXX  and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX  did file with FTC. Chase has enter a Repo saying XXXXXXXX  the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.
Product: Student loan

On XXXX, I contacted Navient at the provided telephone number of XXXX XXXX and spoke to a representative requesting the School Misconduct Discharge Application. My file was located, representative confirmed the school in question is within the scope of the discharge lawsuit and I updated all contact information ( name, address, telephone, email ) I additionally, sent an email request to Navient 's provided email address of " advocate XXXX navientXXXX '' requesting the request application be sent via email.

On the call, I was told that the application would be received within 7 business days. As of today XXXX I have yet to receive the application. I called Navient again today and they said it was already sent and I needed to wait at least a month. 

They did reply to my email via an automated message that provided the phone number to call, the same one as above. So not helpful.
Product: Debt collection

A writ of garnishment on my bank account was issued by XXXX XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.
Product: Mortgage

AFTER paying a {$390.00} application fee on XX/XX/2021, for a mortgage refinance to US Bank, I was informed that the fee is non-refundable. A full 2 weeks after the fee was collected ( XX/XX/2021 ), I received a file of dozens of pages of documents to sign in which I discovered, buried somewhere in the middle, that the fee is non-refundable. Moreover, it was not until 3 weeks after the fee was collected ( XX/XX/2021 ) that I received the disclosure stating the application fee " may not be '' refundable on which appeared my husband 's signature, BUT NOT MINE. According to US Bank, he is able to enter into a legal financial agreement for which I am also responsible without my consent. We have asked US Bank to return the fee to which we both did not consent, but most importantly to which THEY DID NOT DISCLOSE TO BOTH RESPONSIBLE PARTIES THAT IT " MAY NOT BE REFUNDABLE '' UNTIL AFTER THE FEE WAS COLLECTED.
Product: Credit card

I received XXXX promotional emails forNew Purchases. XXXX was a 3.99 % APR until XX/XX/year>, and the other 6.99 % until XX/XX/year>. I chose the 3.99 % due to only the month difference, & I was covering a XXXX with the card. 
I didnt review my statement, due to the new purchase I made of {$12000.00} and the 3.99 %. I thought the interest being charged, was from the amount that matched that. Yesterday I reached out to the Bank Facility and Im advised its not reflecting on my account, and Im paying 29.74 %. I tried resolving the issue, & they refuse to accommodate. I have the emails of the offer, & knowww I chose the offer, because if not I wouldve never used to this card to pay for a big amount due to that I know their interest rate is extremely high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX, equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Product: Student loan

I am writing regarding my Signature student loan which was not certified by my school and after getting copies of my promissory note, it seems I would not have qualified for the loan and the loan amount over exceed the cost of tuition. Further, this loan was disbursed to the school and when I did not attend school the money was never returned. Please see the attached note and advice as to next steps to get this discharged. I am currently in repayment status and can no longer afford my payments. 

Thank you, I believe that the school falsely certified all my loans, the school closed and it never returned the UN used money. 

Thank you, XXXX XXXX
Product: Debt collection

I was reported for a XXXX  debt that I had no knowledge of. I have had no written paperwork around it just calls non stop. I have asked for it and have not gotten anything. At this point I dont even know if the medical debt is valid or not.
Product: Mortgage

On XX/XX/2016 I submitted a complete Short Sale packet to Financial Freedom for review. They requested a new Property Appraisal by a 3rd party Appraiser of their choosing. On XX/XX/2016 the value came back at {$740000.00}. Based on the terms of the contract provided by financial freedom the appraised value will determine the acceptable purchase offer price which is XXXX % of that appraised value. An addendum with the new price of XXXX % of the new Value was submitted for approval in the amount of {$700000.00}. The note holder CIT group inc. was to give the approval within 2 to 3 weeks of submitted offer. Instead i received an email on XX/XX/2016 with no return or contact information that the appraisal had some Flaws? no explanation as to why the appraisal was not to their liking as i believe they are misinformed of the actual value of the property. The reason for this was a prior appraisal from a former offer from over 8 months ago by an out of area appraiser who gave a value of $ XXXX.with no consideration to the cost of repairs and its current dilapidated condition. That value was given as a hard number that was used and now that an actual and True value was given they cant accept the reality. I think this is acting in Bad Faith and should be reviewed by a second pair of eyes. This is the first time i have ever heard of the banks own appraisers value come into question. I feel this is not fair and they are acting in bad faith. I have informed the buyers to forward this complaint to their attorney as this is not a common occurrence and something definitely is amiss and should be investigated.
Product: Mortgage

I am trying to save my house. 
I failed behinds because my wife had a XXXX XXXX, I needed to look after her 24/7, and take care of my XXXX little kids. 
On top of it, the pandemic started, and my business shut down, and I have no income. 
Extenuating circumstances I wasnt able to work, but now I start working again, and I could afford to make my payments and take care of my family. 
Please help me, I dont want to loose my house and be HOMELESS. 
I have first and a second Morgage The second Morgege is with XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

I opened a Discover Secured Credit Card on XX/XX/XXXX. I made my security deposit on XX/XX/XXXX. I have never been late on my payments and my credit report shows I was always in good standings. I went to go apply for a student discover card recently on XX/XX/XXXX and I was denied due to the status of my existing account. I received a letter stating that my account was closed due to non-verification. I called the number listed on the letter and after several transfers and multiple agents, I get to the verification department that stated that my account was closed on XX/XX/XXXX, because I never submitted a copy of my XXXX taxes to them for verification. I asked how I could go about submitting the documents now, the representative told me that they could not reinstate my account or accept any verification at this time. He also stated he could not tell me how long this STATUS would appear under my name preventing me from opening any account with discover. That at this time they can not assist me because of the status of my previous " IN GOOD STANDING '' account. I never received a letter in the mail or an email about this verification process. I asked to speak to a supervisor regarding this matter, they told me they were too busy to take my call and that someone would call me back in 3 days. I still have not heard from anyone and that was a week ago. I am in shock that discover would do this and that no one has been able to help me reinstate my account. My score dropped tremendously due to them closing my account and the remark on my report is beyond absurd, because I have proof that I was never delinquent on my account. The representatives in this department are rude and unhelpful. Discover is known for their customer service and being all about their clients, but with this experience I would not recommend them at all. I have other credit cards and I have never been asked to submit my taxes for verification? I would like for someone to help me reinstate my account.
Product: Mortgage

my mortgage loan was recently transferred to Nationstar Mortgage LLC ( dba Mr. Cooper ). Mr. Cooper recently announced about a highly expensive force-flood insurance that we have to pay to provide protection for the mortgage, stating that they would not purchase it provided that we buy our own flood insurance and provided them with evidence. We have successfully provided them the evidence that our current insurance does include flood protection but Mr. Cooper chose to ignore it and carried on with obtaining a more expensive premium.
Product: Student loan

Mohela has failed to count the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX towards my payment counts for Public Student Loan Forgiveness. I have called and requested that my account be updated so many times that I have lost track. I have been promised that my payment acount would have been updated by XX/XX/XXXX, XX/XX/XXXX and this month. This has not happened. Mohela 's failure to update my payment counts has caused me not to receive loan forgiveness.
Product: Payday loan, title loan, or personal loan

Took out a title loan for {$1500.00} from Titlemax in 2019 for an emergency and have struggled every month to pay them back. The interest is out of this world and after making several months of payments, I noticed the balance had not decreased at all. I called to ask why and they informed me that I had only been refinancing the loan every month and none of what I was paying was going towards the balance. Would have been nice to know that up front. After being 10 days late, they charged me a {$100.00} late fee. Due to financial circumstances, I was late pretty much every month except 2 ... out of 29 months total. So about {$2700.00} in late fees. I have tried working something out with Titlemax and they won't work with you. They would threaten repossession every month after that XXXX day of being late. I have searched high and low on how to get away from these predatory loans and nothing has been of any help. I have paid over {$10000.00} to Titlemax for a loan that was for {$1500.00}. I filed a complaint with Texas office of XXXX XXXX XXXX, waited several weeks and the only response I got from Titlemax was an offer to settle for {$1000.00}. I have no access to any documents, I can't log in to my account online, and I am scared to call them incase they start looking for my car again. They still have the title to my car and I need it but can't pay them the {$1000.00}. I refuse to give them another dime regardless. I found XXXX document from them in an old email and after reading about the late fees, I realize that I was paying illegal fees the entire time. XXXX reads late fee will be {$7.00} or 5 % of the scheduled payment amount ( whichever is greater ) and that does NOT equal {$100.00}. There's no explanation for the extra added fee amount anywhere in the contract and that is illegal. I also noticed fees that say {$0.00} and then later in the contract, it says the fees are included into the total amount ( so I have no idea what the amount of the fees are ) but they can collect interest on the unknown fees. I am also aware of the class action lawsuit they just lost due to their illegal lending practices. It has been 4 years now, I need my title, and again, I have paid over {$10000.00} on a loan that was {$1500.00} and I am not giving Titlemax another dime.