23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2017, I applied for a loan modification with XXXX which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on XX/XX/2017 I received a phone call from XXXX saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time of all this process I received a letter from XXXX saying that my loan was sold to a new lender Select Portfolio Services, and they will honored any previous modification agreement already approved. 
Until now I have n't received my modification agreement, I have been calling back and forward to both companies XXXX and SPS, and they just keep saying that I need to keep waiting. 
It is taking to long and I am calling every week with the same answer. I do not want to lose my house and I can afford the high payment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Student loan

I have met the requirements for loans to be forgiven under PSLF. My employment certification forms verify that I have completed more than the necessary time in XXXX XXXXXXXX Only 116 of 120 payments have been counted due to SAVE forbearance. My only options have been to switch off SAVE onto different payment plan or to apply for XXXX  and I have submitted paperwork to do both of these. I have not gotten a response for either option. 
Submitted XXXX  Reconsideration request on XX/XX/24. Case # XXXX. I have contacted FSA weekly or biweekly since this request has been submitted. Originally I was told to wait 45 business days. After that time I was told that my case had been " escalated '' but was provided no information about what that means. I have asked for a supervisor to call me back on at least two occasions and that has not happened. I have been told conflicting things every time I call. I have been told that there is no one I can talk to who can provide me more information.

Submitted to switch off SAVE plan onto IDR repayment plan. Application was received on XX/XX/24. I have not been moved to a processing forbearance and have no information about when I might be moved onto different plan. 
This agency needs to be held accountable for holding student loan borrowers hostage with no options to move forward and no transparency. I have more than upheld my end of the agreement in my PSLF promissory notes. The delay in forgiveness is costing me both financially and emotionally. I am not able to make career decisions that would benefit me and the patients I care for because I am stuck. The lack of transparency and communication should be illegal.
Product: Debt or credit management

XXXX XXXX XXXX took me to court in XXXX of XXXX for XXXX plus dollars. She said I failed to pay a deposit and wasn't receiving XXXX funds. We had 4 court dates. On the 4th day, I was tired of going back and forth. The judge threatened the plaintiff jail time if she was receiving funds. He also told her to return all funds if she received any since she wanted me out due to non funds. XXXX XXXXXXXX XXXX collected funds until XX/XX/XXXX after I XXXX XXXX  after last court appearance. XXXX states a XXXX dollar payment because I didn't go but ordered her to send funds back. This XXXX XXXX XXXX states XXXX dollars and XXXX paid over XXXX dollars. I've been disputed this since XXXX. XXXX XXXX XXXX says they're under new owners and all past collections were paid by insurance company. I need it removed from all credit bureaus
Product: Debt collection

I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending practices.
Product: Credit card or prepaid card

I have over the past few months disputed the {$8000.00} charge for services NOT rendered that was charged to my Chase/Marriott Credit card back in XXXX. The company that made this charge was taken over by the federal trade commission for DECEITFUL PRACTICES TO THE CONSUMER and therefore the services were NOT rendered. Chase/Marriott refuses to give me a credit for the charge. The other credit cards ( XXXX XXXX and XXXX XXXX ) did not have any issue with providing a credit - but Chase noted that the fraud company in question - XXXX XXXX. - is one of THEIR affiliates - so they do not want to remove the {$8000.00} charge. This is a total disgrace on Chase/Marriott behalf. I have submitted the federal complaint over and over and they will not drop the charge. I am including the link to the complaint below. I want the charge removed. 

This company was taken over because of deceitful practices and therefore Chase/Marriott has to provide the credit just like the other credit cards have. 

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 AM A XXXX XXXX XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A XXXX OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit score and finally got it up to XXXX couple months ago then XX/XX/2021 it was a steady XXXX ; XX/XX/XXXX ; 2021 TransUnion dropped me XXXX points to a XXXX, because they said my one credit card increased by XXXX. But when I pay credit cards down they do not increase by 85 points nor is it reported.XX/XX/XXXX they also said my account XXXX XXXX decreases by {$140.00} yet I still dropped 85 points. They also say to maintain your credit score do not use more than total of 30 % total usage. They show XX/XX/XXXXmy usage is 29 % so how did I drop XXXX points. Total limit is XXXX. And balance is XXXX. 
I do believe some how this is systemic racism against minorities. My XXXX  friends score do not drop if balance on a credit card increase by {$90.00} and stripped 85 points. If do this with 4 more credit cards my Credit Score would be under 100. 
I havent missed payments in the last 7 months and TransUnion took 85 points off and even if I pay the credit card XXXX they will not increase my score by 85 points. I had this same credit card down to almost zero late XXXX early XX/XX/2021 and no increase with credit score. They just take drastic points off if you use. This takes months to achieve and they take 85 points off for one card not overall usage as they show under 30 %.
Product: Checking or savings account

On XX/XX/XXXX a payment was made, {$1500.00} to my child school via Bill Pay with XXXX. On XX/XX/XXXX I was made aware by my child 's school that Regions had called them. A regions customer had received my check from XXXX XXXX and Regions had allowed that customer to deposit it into their account. Regions said that they could not get that customer to reimburse the amount to me and I would have to take the matter up with my bank ( XXXX XXXX ). on XX/XX/XXXX I called XXXX XXXX and filed a Bill Pay inquiry to have them resolve the problem and sent the amount to the correct company. On XX/XX/XXXX I received notification that XXXX XXXX would not be doing anything else to resolve the issue. They said that Bill Pay was sent to my childs school and that 's all they could do. As of now, XX/XX/XXXX my child is now past due on her account and I have not received the money due back to me from Regions from their customer. I am taking this as a fraud case since someone else was able to deposit monies, not meant for them, into their personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAx FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at FED LOANSERVICING on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX FEDERAL XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a pay day loan due on Friday, XX/XX/XXXX 2019. I was unable to appear in store as I had to work late that evening but as soon as I was off work ; I paid my loan payment online with my debit card. I have a receipt showing my payment of {$560.00}. Per Advance America because the payment was paid " after business hours '' this morning ( the next business day ) my check was cashed ( XX/XX/XXXX19 ) resulting in my bank account being overdrawn. I have several scheduled payments that I will now not be able to make because of this issue. I have spoken with five different customer service representatives that have just passed on the issue. I will now have a reconnect fee for my cell phone being turned off due to Advance America 's negligence and inability to correct the issue promptly. I was told that this will take at least two to  three business days to resolve. If the money can be taken from my account in an instant ; I can't understand why it isn't put back.
Product: Credit card or prepaid card

I received my tax refund on an American Express serve prepaid credit card last year and ive recieved my stimulus check in that same account and have no access to it because the card was only good for a year, Im locked out from logging in online and the customer service line isnt available right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX balance {$1700.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Chase checking account. 
At XXXX, XXXX XXXX, XXXX, my account was showing a positive balance of {$15.00} with numerous items pending from over the weekend. 
At XXXX XXXX on XXXX XXXX, my balance is now showing $ XXXX due to two items that caused the account to go negative and the two overdraft charges. 
Chases policy is that if the account is brought to a positive balance the same business day, the overdraft fees will not be applied. As I mentioned above, at the end of the day, the balance was positive. They took the debits out the following day and backdated the transactions to cause the overdraft. As soon as I knew about the overdraft, I deposited enough to bring the account to a positive balance ( except for the overdraft fees ). 
Chase has done this several times and debits the items when we are not given a chance to make the account current.
Product: Credit reporting or other personal consumer reports

LAWSUIT FILED : XXXX XXXX TransUnion, XXXX. et al, XXXX in XXXX XXXX XXXX for XXXX XXXX XXXX California XXXX XXXX XXXX, correction and civil penalties. 

STATUS : XXXX XXXX XXXX XXXX has approved the lawsuit to move forward and has set a jury trial date of XX/XX/year> to resolve the issues. 

SYNOPSIS : TransUnion, XXXX has been hired by the XXXX Department XXXX XXXX XXXX to verify the identities of veterans seeking enrollment into VA XXXX XXXX, scheduling of appointments, and/or seeking online face-time with primary physicians. The case stems from repeated violations of the Fair Credit Reporting Act which occurred during the Pandemic, where the plaintiff, pro XXXX litigant and XXXX veteran XXXX XXXX, alleges TransUnion ignored the traditional practice of using military personnels social security number to identify veterans information and opting for a method which uses names, addresses and telephone numbers in a way which readily treats veterans as skips, targets, and marks for bounty hunters and debt XXXX. By using a method other than the service members social security number to match veterans files, the evidence shows TransUnion has allowed files of veterans within its custody to be merged with files of other service veterans. As a result, XXXX service veterans have been refused access to VA programs, treatment, and physicians because the identifying information reported by TransUnion does not match the identifying information provided by the service veteran. In addition, by opting for a practice which increases sales of its reverse-search software products to bounty hunters and debt XXXX, TransUnion has XXXX the identifying information of service veterans to be routinely merged with information of civilians.
Product: Debt collection

Genesis Credit Management also known as Columbia debt recovery has flagged an account as Derogatory/ late payments when I have no signed contract with them in order to scare me into paying them money, that severely damaged my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they reporting to all credit Bureaus. I've sent them two letters sent on XX/XX/XXXX both mailed to there multiple addresses asking them to show me proof of a contract. They received my letter on XX/XX/XXXX in which they responded by email to me saying we have a settlement my account is eligible for a discount please contact them.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. As per 15 U.S.C. 1681e ( b ), I also have the right to request that any unverified or erroneous information be removed.

The disputed account is incorrect. I request that you investigate this matter and remove the inaccurate information from my credit report as required by law. According to 15 U.S.C. 1681i, you are obligated to conduct a thorough investigation and correct or remove the disputed entry if it is found to be inaccurate. 

I would like written Verification of Debt with all Disclosure forms attached. As well as Proof that these Companies had my consent to share my information with 3rd party Companies.

If you are unable to verify or substantiate this information, I respectfully request that it be removed from my credit report as required by law.

Upon reviewing my credit report, I have noticed several discrepancies that I request be investigated and removed if found to be inaccurate. The following items need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, I request a formal investigation into the validity of these accounts and remove any inaccurate or unverifiable information from my credit report.

Please send me a written response with the results of your investigation within the time frame allowed under the FCRA ( usually 30 days ). If you are unable to verify the accuracy of this information, I expect its prompt removal from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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. XXXX 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Student loan

I have refinanced my Navient private student loan. The loan was paid/refinanced at the beginning of XXXX 2016. There was an overpayment in the amount of {$1600.00} which is to be refunded to XXXX, the company through which the loan was refinanced. Navient has been contacted numerous times by XXXX and myself requesting they return the overpaid funds. They still have not returned to funds to which they are NOT entitled to. This money must be refunded to XXXX in order for them to make corrections to the balance on the refinanced loan. There is a limited amount of time for this money to be returned and processed as a refund which in turn will decreased the amount refinanced along with the payment. Navient has no claim to the overpaid amount and should return it immediately to XXXX.