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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

I am over charged for damages to my apartment. I was unemployed from covid and they tried to charge me multiple late fees and that was not allowed during the time. They said I was responsible for things that werent even damaged to get more money from me when they already kept my deposit.
Product: Debt collection

I could not find a proper category to check off in your website ... This about Pay Pal. I was using Bill Me Later to pay for my XXXX XXXX XXXX, and Bill Me Later became Pay Pal. XXXX ended its association with Pay Pal. I now pay XXXX directly. Pay Pal continues to send me bills. They tell me I owe them over {$1000.00}. I tried to call, but they were rude. They said I took out credit with Pay Pal, and I did not make any credit agreement with Pay Pal, I only used Bill Me Later to pay for my cheap internet once a month. Pay Pal keeps sending me bills! Please help me get Pay Pal off my back! Thank you!
Product: Mortgage

I refinanced my mortgage with another lender and closed on XX/XX/2020. The loan with PennyMac Loan Services was paid off on XX/XX/2020. Since XX/XX/XXXX, I have received various letters and correspondence in the mail from PennyMac. However, I have yet to receive my escrow refund. According to their portal, the refund was issued on XX/XX/2020. On XX/XX/2020, I called PennyMac to confirm the refund was in fact sent on XX/XX/XXXX. I spoke with a lady in the escrow department and she confirmed the XX/XX/XXXX date. 

On XX/XX/2020 an escrow analysis dated XX/XX/2020 was made available to me in their portal. On XX/XX/2020, I called PennyMac to inform them that I still hadn't received my escrow refund. I was told I needed to wait fourteen ( 14 ) days. This is upsetting to me because it does not take the mail that long to travel from XXXX XXXX to XXXX. In fact, mail takes about 5 days to go from XXXX to XXXX so why would it take 14 days from XXXX  to XXXX? I also take issue with why in XX/XX/XXXX the amount couldn't have simply been processed as an ACH and deposited directly into my bank account. I believe it is unreasonable to expect me to wait until XX/XX/XXXX for my escrow refund. If it doesn't turn up by that date then I have to go through a stop payment process, wait for the payment to be reissued and I guess allow an additional 14 days to receive the check? Surely a more customer focused remedy can be employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WESTLAKE FINANCIAL SVC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, WESTLAKE FINANCIAL SVC and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Student loan

Today, XX/XX/year> I reached out to Navient who currently manages my private student loans. I emailed them directly and requested an application for Navient XXXX XXXX discharge for my private loans. 

They first told me that I didn't have any loans with them. 

Secondly, I informed them that I had XXXX private loans with them and took a snapshot of my screen/portal and showed them the XXXX loans on their website that I had with them. 

Several hours later they told me that I could not receive an application because all of my universities were non profit universities. 

I don't believe this to be true and I consider it a lie and a tactic they are using. So I am filing this complaint in order to request an application for that I may apply to get my private student loans XXXX.
Product: Money transfer, virtual currency, or money service

I received a check from XXXX XXXX XXXX dated XXXX 2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted XXXX XXXX XXXX to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by XXXX XXXX XXXX to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with XXXX XXXX XXXX and the owner, I have finally reached my limits. I later learned from XXXX XXXX XXXX  that they put a stopped payment on the check but was never told why. XXXX XXXX XXXX did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a XXXX XXXX XXXX branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by XXXX XXXX XXXX. I was told by a XXXX XXXX XXXX rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in XXXX XXXX XXXX and just want the XXXX refunded back to me.
Product: Credit card or prepaid card

I would like to file a formal complaint against Barclay US and their business practices. 
I had two credit cards with Barclay through XXXX XXXX. On XX/XX/XXXX, I called to pay off the balance on the credit cards with Barclay then subsequently close the accounts. The Barclay representative took my payment information, transacted the payment ( {$2400.00} and {$3200.00} ), and then told me that both accounts were closed. 
Evidently, one of the accounts was closed but the other was left open. In XX/XX/XXXX, a charge of {$49.00} ( credit card annual fee ) was placed on the open account. I had paperless billing so received an email that a statement was available but my online access had been terminated so there was no way to access the account to see the transaction or the balance. I did not pay much attention to it since I believed the accounts had closed. I had no way of knowing that a charge was on one of the accounts. 
In XX/XX/XXXX, I received an email indicating that my account was seriously delinquent. I called the number on the email and found out from the Barclay representative about the XX/XX/XXXX charge AND that I had been subsequently charged {$30.00} late fees for the past six months. I explained that I did not know about the charge nor the late fees and that I did not have online access to even review the transactions. I was assured by the Barclay representative that the late fees would be adjusted. 
In XX/XX/XXXX, I found on my credit report that a balance ( {$310.00} ) was still outstanding and that I had delinquent notations with the Credit Bureaus for the past 8 months. I called Barclay and was told by the representative the fees that I had been told were adjusted in XX/XX/XXXX were replaced by a debit for the same amount. The Barclay representative could not explain the debit and said they could not help me any further. I requested to speak to the manager ( XXXXXXXX ) who told me that not only could he not explain the account but that the account has been referred to a collection agency and that I would have to wait a week before I could call back and pay the balance. 
I am furious. As a consumer, I feel that I have no power except to simply pay their ridiculous fees. Barclay failed to close the account. Barclay failed to provide adequate means of notice. Barclay told me they adjusted the fees but then subsequently put them right back on without notice or explanation. Barclay is now unable or unwilling to resolve the account. Barclay holds the health of my credit hostage and we, as consumers, have no power to affect the outcome except to simply comply with their business practices. I could hire an attorney and try to affect some change but have little confidence that it would have any affect with this giant, XXXX dollar corporation. 
I appeal to your agency to hold large organizations like Barclay accountable or at least keep consumers informed of others experience.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.
Product: Debt collection

The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX account as charged-off on my credit report. This account is no longer debt. XXXX has issued a 1099c for the debt and I filed the debt as earned income. Experian should not be reporting EARNED INCOME. Due to the change in account status this information is now obsolete, false and inaccurate. Please DELETE this account immediately. Attached to this complaint is a letter from XXXX verifying that they've issued a 1099c for this account. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Student loan

On XX/XX/year>, I reached out to Navient to apply for the School Misconduct Application regarding the private loans that were taken out to pay for XXXXXXXX XXXX. All loans in association with that college have been discharged through XXXX vs. XXXX rulings that several schools were identified for misconduct. I emailed and received blanket responses why my private loans did not quality, and that the XXXX XXXX doesn't qualify in this instance. This information is misleading, incorrect, and I was denied the opportunity to apply for relief to take back the funds used by a deceiving university. After reading my promissory notes, I replied to Navient on XX/XX/year>, to discuss my findings and that I did have the right to apply for this discharge. I was provided a response which stated I didn't qualify with no ability to apply for the misconduct discharge - even though my non-private loans were discharged. Navient is fighting tooth and nail not to be held accountable for funding predatory schools although the proof is in writing and through their contradictory efforts to gaslight borrowers.
Product: Credit reporting

I called Transunion and XXXX because I 've been a victim of fraud. I have several inquiries on my reports, that I did not authorize. They were very rude on he phone. I was told that they could not remove them. Transunion gave me the run around. I 'm trying to keep my credit score from dropping and it seems as if they do n't care.
Product: Credit reporting or other personal consumer reports

i asked for them to validate the account with proof they did not XXXX XXXX XXXX balance of {$1100.00}
Product: Credit card or prepaid card

From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX  don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX  and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill XXXX with my name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I've contacted the creditor company several times, I've provided them with the information requested for the dispute. I've contacted lawyers about the same issue, I reported to Capital One & XXXX XXXX about my information being involved in multiple data breachs and also provided them with documents of incarceration at the time of the account being opened. They removed the credit from one of the credit bureau reports but it still shows up on the others. The creditor also have not sent any correspondence documents providing proof of accuracy of credit.
Product: Debt collection

Received a very vague letter from this " company '' attempting to collect an {$80.00} " debt '' with no information about this supposed debt - just multiple options for making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the company Automotive Credit reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions.  The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!
Product: Credit card

My Kohl 's capital one card will not allow me to change my preferences oline. I held on the phone for 14 minutes & 32 seconds.
Product: Checking or savings account

on XX/XX/XXXX I went to XXXX XXXX XXXX to use there atm and I put my money in to deposit money in to my account which is a different bank USAA I had to use there atm due to them not having atm anywhere in my state I put the money in and it ate it it didnt not give me my money back I told the lady at the front desk she told me she couldnt do anything due to me not having an account with them so I made a dispute with my bank but they said they cant give me my money back due to me not using a atm from my bank but theres not any so how is that my problem
Product: Credit card

Sent information to Capital One in regard to my claim and was never contacted back or the information wasn't even looked at and the claim was closed.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed incorrect information. Please update and delete the incorrect information.. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FLORIDA XXXX My phone number : XXXX My employer is XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I am a target of predatory lending practices form my loan company, Freedom Mortgage. I have recurring bi-weekly payments through this company, and they are charging me an NSF fee for a payment that cleared their system on XX/XX/18. The payment shows it cleared my bank account on XX/XX/2018. I called and requested a review of the fee as the payment never bounced, and both their system and my bank account show the payment cleared as scheduled. After reviewing this fee they are now telling me I need to provide them additional documentation showing my bank account balance from the period of XX/XX/18 through XX/XX/2018. This fee is completely bogus, and they have even admitted that the payment shows it clears on their end. They are attempting to make me clear hurdles and jump through hoops to rid myself of this unnecessary fee. I am concerned that this predatory practice of tacking on bogus fee 's and then requiring the consumer to provide documentation to show otherwise is likely being perpetuated on other customers of this company. I fortunately keep good records, and will be going to the bank tomorrow to obtain the documentation they are forcing me to provide, however I'm certain there are other 's that may not have the same record keeping and may be forced to pay this fee to the company to avoid it snowballing or creating delinquencies. I would like the CFPB to investigate this practice from Freedom Mortgage, and ensure that this fee extortion comes to an end. Again the payment has not bounced, theres no indication in there records that shows the payment bounced. I am happy to provide both my banking statements as well as my mortgage payment history to verify this information.
Product: Credit card or prepaid card

I accepted a marketing offer from Milestone Credit Card XXXX months ago. It was XXXX  that I would receive a credit limit increase double the initial credit limit after making XXXX payments. I have made XXXX payments but have not not received the credit limit increase promised in the marketing material. 
When I reached out to Milestone Credit Card I was informed the card did not qualify for a credit limit increase and the the limit stays at {$700.00} forever. 
I am submitting a complaint because I think that false advertising/marketing.