23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my federal student loans in XXXX of 2023 to utilize the IDR adjustment per the Department of Education. My loan is serviced by XXXX due to PSLF ( Public Student Loan Forgiveness ). I am a social worker. I have 73 counts toward PSLF preconsolidation. I have been making payments on my account. XXXX has my account 's {$0.00} balance. I have been transferred to Edfinacial although I am in the PSLF program ( certified ). I do not know my current PSLF count as the IDR post-consolidation has not been applied. However, now my loans have been transferred to Edfinaicial when they are supposed to be with XXXX. I am extremely frustrated it is XXXX XXXX. I have a mother on XXXX I have done everything right and my account is continuously messed up. It is very upsetting, and draining and I can not keep spending hours tracking mistakes made by loan servicers. I would like my accurate information from XXXX and my loan information updated and away from Edfinaicial as they do not service PSLF. I understand this is an overwhelming process for XXXX but I am not able to keep up with the mistakes. Edfincial should not have any of my loans. I believe XXXX also placed me incorrectly with Financial. I should not have my loan with Edfinacial
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. XXXX XXXX is using Experian as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Experian is not doing their do diligence, as they would have known this was part of a litigation.
Product: Credit reporting or other personal consumer reports

On Equifax website my score dropped {$120.00} points in one day for no apparent reason. I can paired reports on Equifax website from XX/XX/XXXX to XX/XX/XXXX and the only thing that change was my debt went down. I contacted Equifax twice and they could not give me a reason for my score dropping XXXX points in one day. Someone made a mistake and they will not correct it.
Product: Vehicle loan or lease

The account is under XXXX XXXX with Santander Consumer. My vehicle was declared a total loss on XX/XX/year> due to flood damage. I purchased gap insurance as well on the vehicle. My question is how is it legal for a lien holder to release the lien on a vehicle when the vehicle still had a pending balance? I was advised I had to pay {$2400.00} that the Gap insurance or insurance company did not want to pay.But the vehicle sold through auction the bank received their money and the insurance received proceeds as well. I have reached out to Santander multiple times no help whatsoever I even tell the Debt collectors they hired when they call me of my situation they don't care either. I'm concerned that this may have been done to a lot of people besides me and something needs to be done about this a lawsuit or close down this company. I'm trying to purchase a vehicle but I'm getting denied by all the banks because of Santander Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one credit cards are not reporting on my Equifax credit report. I am also a authorized user on on someone else Capital One credit card and this card is also not reporting to Equifax ; but they are reporting to XXXX and XXXX.
Product: Credit card or prepaid card

I have applied to Comenity Bank for the Victoria Secrets  card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am XXXX XXXX and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them. 

Enclosed is proof they got my XXXX Report but they claim in the letter they sent to me that they could not get the report, copy enclosed too.
Product: Credit reporting or other personal consumer reports

I never miss payments, so I dont see why there are late marks. Per USC 1666b, errors like this need to be fixed and updated to " paid as agreed. ''
Product: Debt collection

Several different collection agencies have been placed on my account by XXXX  since XXXX  in order to destroy my credit score. The only mobile phone I've ever had was a XXXX phone since I could have one. The false collections on my credit report from XXXX have dropped my score from XXXX to XXXX, and I have no idea what to do. As a new teacher, I want to buy a home and a car, but I can't even do that since the false collections on my credit report from XXXX have dropped my score. My credit score has been destroyed by XXXX  sending agencies to harass me. I need help to continue my life in peace.
Product: Payday loan, title loan, personal loan, or advance loan

When I received notice from XXXX XXXX XXXX that my loan had been sold to Systems and Services Technology, I was not happy. I am near the end of my loan, always paid on time. SST has a XXXX approval rating with the XXXX  people saying this company ruined their credit. I attempted to access their website from XXXX different computers and my phone. No device can access their supposed website. If I am unable to view what is going on with my account, this is fraudulent. I requested a paper statement and asked for an email as proof I would be receiving that statement and the person said they would request an email be sent to me. I have not received XXXX. There is much deception going on. XXXX XXXX XXXX sold this account because I only have about XXXX payments remaining and virtually no interest left to pay, so they could no longer make much profit from keeping my loan.
Product: Credit card

I filed a legitimate dispute with XXXX XXXX 's dispute department over a purchase with a vendor who stalled out of time within the warranty period of the item purchased. I had provided all the necessary information and documents that XXXX XXXX 's dispute department had requested to properly resolve the dispute and reverse the charge made by the vendor. However, after following up with XXXX XXXX dispute department several times about the status of this case, I was given a different reason each time for not resolving the case in my favor. The first time I was told by XXXX representative that " the original point of sale receipt, and second party opinion was not submitted ", therefore the case was not ruled in my favor. I was confident that I submitted all this info, because I had actually confirmed the info was successfully submitted with a XXXX XXXX representative on the phone at the time of submission. So knowing that XXXX XXXX was fraudulently lying about the desision not to rule in my favor, I decided to contact XXXX once again about the status of the dispute. Of course I reached a different XXXX XXXX representative and this XXXX told me the reason for not ruling in my favor was because the warranty of the item purchased had expired before the case was submitted to them, even though I had opened the dispute with XXXX XXXX within the 1 year warranty of receiving the item from the vendor. So knowing this was also an illegitimate excuse by XXXX XXXX, I decided to call them back once again to see if their story changes again. Because a story that is n't consistent is a DECEPTIVE LIE. Upon the third time of contacting XXXX XXXX I was told that the case was not ruled in my favor because I did not attempt to resolve the case first with the vendor to return the item. I had told XXXX ones disputes representative several times while the case was being made, that the vendor had stalled out of their warranty period by not responding to my calls to them regarding return of the item within the warranty period. So this was the 3rd lie XXXX XXXX presented to me regarding the denial of favor in my case. It is also worth mentioning that I was disconnected by XXXX XXXX reps several times with no apparent reason, resulting in me calling back again to start the process over with a completely different representative who knew nothing prior to what was previously discussed. I want the total purchase amount of this item credited back to my statement balance due to XXXX XXXX 's incompetence and lack of will to successfully resolve the case and void the transaction made by the vendor. For reference, the final XXXX XXXX representative that I had contacted to resolve the case, pay off the correct statement balance without the disputed charge, and avoid interest over illegitimate dispute charges was XXXX : employee # XXXX. She opted not to correct the balance, so I could not make a full monthly payment to avoid interest charges. She told me to call the federal authority, as she supposedly has no power within XXXX XXXX to correct statement balances, even though she is an account supervisor.
Product: Vehicle loan or lease

From XX/XX/2019 to XX/XX/2019, and prior to these dates. American Credit Acceptance has been calling me every day ( except on Sat and Sun ) in reference to my monthly or past due monthly payment, and on several days they have call me multiple times in one day. The amount of my monthly payments are {$330.00} a month and due on or around the XX/XX/XXXX of every month. I have told them on multiple times that I get paid on or before the XX/XX/XXXX of every month. I have also told them to stop calling me every day in reference to my account, and that this is harassment in regards to this payment. They told me that they do not call me every day, and I informed that I can pull up my call log on my phone and prove that they have been calling me every day.
Product: Checking or savings account

On XXXX XXXX Discovered money was transferred from our Bank of America checking account by persons other than us & without our authorization using by undetermined method. I Reported to bank that moment, while transaction was still listed as " pending ''. 

Bank said there was nothing they could do about it, & to make a police report. 
Bank said they would investigate. 
Report to bank was made using their fraud phone number.XXXX. 
BANK CASE # XXXX. 

Bank placed a hold on our bank account & opened new account to protect remaining funds. 
Bank said money was transferred using " XXXX '' to XXXX XXXX XXXX XXXX 

I called him to demand he return our money. He claimed he " received the funds from a " XXXX XXXX XXXX '' & did not know who I was. 
He said he would help any way he could but would not return the funds. 
I reported that info to the bank but they have not responded. 

After 10 days on XX/XX/XXXX called the bank again & they said 10 business days & to call back. 

XXXX-called Bank again, they said denied our claim, said they sent us a notice, but we still have never received. 
Said transfer was used with " similar '' device as other transfers we had made in the past so they denied it. 

Said I need to send documents proving we did not make the transfer.I asked what type of documents that could be, they said they did not know. 
Said they would have a final determination by XX/XX/XXXX. 

XXXX I faxed them the only documents I could think of, the police report. Phone records, My phone IMEI info, A detailed report & the incident timeline. 

I called again on XX/XX/XXXX, they told me the claim would be assigned to an investigator tomorrow & may take until XX/XX/XXXX. 

At this point I feel Bank Of America is not investigating, only waiting to see if we will give up, but we are on a fixed income & this money is very important to us. 

They said they would resolve this in 10 days but it has now been more than a month. 
Bank of America let someone into our account using their system & let them steal our money & now will not support us & help to recover it.
Product: Mortgage

i contacted you about an issues with greetree/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue,
Product: Credit reporting or other personal consumer reports

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # 9037!!!!

15-USC-6802, 15-USC 1681A2B Good Day I XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a  representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ...
Now my Credit Score went from XXXX to XXXX.
Product: Credit card

On XX/XX/2016, I went to a local Chase bank in XXXX, NY to open a checking account. I spoke to a representative and opened a checking account. While I was there, I also inquired about a credit card. I was considering transferring my credit card balance from my current bank to Chase. I submitted an application and the employee instructed me that she was not able to transfer the entire balance onto a Chase credit card. 
After that, I told her I was not interested in getting the card since I could not transfer the entire balance. I explicitly told her that I did not want to open a Chase credit card and I only wanted to open the checking account. I signed to open the checking account but I did not sign for the credit card. 
The next day, I received a voicemail from the same employee telling me that she did not have the authority to cancel the credit card and that only I could cancel the credit card. She instructed me to call the Chase credit card department to make a cancellation. I then logged onto the Chase online banking application and saw that the employee opened the credit card in my name, after I instructed her not to. 
The next business day, I went into the same Chase bank and asked to speak to the bank manager. They told me the manager was not there and not available for any appointments. I then closed my accounts. When I voiced my concerns to the teller, she acted as if I was the one at fault and that I did n't understand how credit cards work. Without a doubt, Chase banks fraudulently opened a line of credit in my name. I would advise any future customers to take their business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, OCWEN Loan Servicing, LLC incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the OCWEN Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and XXXX have not bothered to fix it despite OCWEN sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) OCWEN is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, 4 unauthorized fraudulent wire transfers totalling in XXXX we made from my checking account. Someone impersonating chase called me on the first stating there was fraud on my account. Asked me to log in but my account was locked. They took off the lock had me look at my account and verify my purchases and verify the fraudulent transactions. They said someone was actively trying to send wires so they would send recalls/reversals to cancel the wires. They sent me a verification code and told me not to log in to my accounts jntil the next day because they were trying to catch the scammers ip address. The next day my account was locked. On XX/XX/XXXX, I checked my accounts and they had 6 transfers taking all my money out of my savings account into my checking accounts then wired from my checking accounts to out of state and out of country banks. I filed a fruad claim report and a recall file to dispute the transfer. The claim was then denied and my private bank escalated the claims to BCEG at chase. Both departments concluded that my ip address, one time code and fingerprint loging was verified and they will not do any further investigations. I offered a police report that they will not look at stating the fingerprint is enough to deny the case. The will not investigat further. They will not pull the initial phone call. I did not call chase on XX/XX/XXXX as their system says I did. I recieved a phone call on the XXXX from XXXX. Their system says I called them on the XXXX. But I recieved a call from someone impersonating chase using the fraud line phone number. That phone call is fraudulent. They will not investigate the security system being breached as my loggin was restricted and changed by an unauthorized user. The system is unsafe and chase is negligent for not investigating further. They closed the case without notice and made the funds available to the fraudulent bank account.
Product: Credit reporting or other personal consumer reports

I look at my credit report and saw that they were three accounts open in my name that was not mine. So i called the bank to closed the accounts and to remove them from my credit report and they said they would remove them and close the accounts. NOW the accounts are close but are not remove.
Product: Credit reporting or other personal consumer reports

My loans have been deleted by the government due to my disability. I have the letter and have sent them to XXXX XXXX and experian to delete them/change status. They still show on my credit with a balance and or late pays.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from Community Loan Servicing in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have XXXX loans and it's giving a balance of {$99000.00} which is affecting my credit score. Community Loan Servicing should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.
Product: Debt collection

XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX I have no idea how they received my phone number to call, but i did notice that they have accessed my credit report without my knowledge and consent. if they call they go to my voicemail due to being blocked.
Product: Debt collection

Threatened to sue I asked for legal documents and never heard anything, its on my credit and has been effecting me trying to get an apartment.
Product: Debt collection

On XX/XX/2021, I sent in a request for validation to said Company CONVERGENT OUTSOURCING Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with those companies. I repeatedly contacted Discover and the have yet to delete these illegal reporting.