23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an item appear on my credit report in XX/XX/XXXX for Stellar Recovery # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) XXXX ; the amount is {$150.00}. I talked to Stellar XX/XX/XXXX and they told me the item was from XXXX XXXX. I called XXXX and disputed the item because it was for a modem for internet services that I never used and had returned to XXXX XXXX in XXXX. I was supposed to get XXXX XXXX and XXXX XXXX   as a bundle ( price ) for TV and internet services. When they came to install the XXXX XXXX, I was told they could not install it at the apartment I was in due to the fact that my apartment was facing the wrong direction. I never received a bill from XXXX XXXX. I received a modem in the mail from XXXX XXXX for internet services. I called XXXX XXXX and told them that I needed to return the modem because I could not use the XXXX XXXX and XXXX XXXX sent me a return label. I returned there modem to them. I disputed this item with XXXX, which is where I originally saw this debt from my free annual credit report. The item from XXXX was removed from my XXXX report # XXXX. I then realized that I needed to also call XXXX and XXXX to have the same item removed a couple weeks later. Therefor I called and made disputes for the same item with both of them on XX/XX/XXXX, stating that the item was removed from XXXX. They both proceeded to dispute with XXXX XXXX on my behalf. I received information from both companies in XXXX XXXX that the item would not be removed from their reports. Attached copies from XXXX & XXXX ; XXXX emailed me a response and I lost the email. I contacted XXXX XXXX on XX/XX/XXXX and was transferred approximately 6 - 7 times to different departments and remained on hold for 1 1/2 hours. I was told they removed the item and that they would mail me documentation with 5 - 10 business days stating it had been removed so that I could forward it to XXXX and XXXX and/or Stellar. I applied for pre-approval on a mortgage loan on XX/XX/XXXX. I received information from the mortgage company that those items still appeared on XXXX and XXXX. I called XXXX XXXX back on XX/XX/XXXX to see why the item appeared on my report still, I remained on hold for 30 minutes and was transferred again. I was told that there was not even a note in the file that I had originally called XXXX XXXX to begin with. The gentleman stated that I needed a confirmation # or something stating that I had spoken to them. I was never told this at the time I talked to XXXX XXXX on XX/XX/XXXX. I never used there services and I returned there modem, they confirmed that with me on XX/XX/XXXX. Although they never made notes supposedly, and I am stuck with a bad item on my credit for no reason. It is no longer on my XXXX report as of this date XX/XX/XXXX. I have attempted to correct this situation with all of my efforts to the extent that I can. I called Stellar back onXX/XX/XXXX and they told me it would take 30 -45 days to get any documentation from XXXX XXXX. Please help me to correct this. Thank you, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, AZ XXXX ( XXXX ) XXXX
Product: Student loan

I have received paperwork where XXXX is threatening wage garnishment formerly Nelnet, Since I do not have access to a phone during their available working hours, I sent a long detailed letter and financial information to them that they requested using the forms available to me on their website. All the information was provided to them by the date requested in order to set up some sort of payment arrangement. They have not sent me a statement that shows the amounts owed and why? I requested in writing for an itemized information regarding what is owed, including the payments I made in the past including the taxes they garnished from me in XX/XX/XXXX and XX/XX/XXXX filings.
Product: Checking or savings account

On XX/XX/year>, capital on was contacted on my behalf regarding a transaction from XXXX that they were refusing to refund even after they admit that they have received my item. After multiple attempts with XXXX customer service to get it removed, I decided to contact capital one to submit the claim. Once the claim was submitted, capital credited my account for that transaction for a total ofXXXX. However, later they have decided to retrieve the money they issued, stating that there wasnt enough evidence, even after XXXX is admitted they have the item in hand. Capital one claim department is almost unreachable and this specific department is handled overseas where every agent either hangs up on me or just puts no efforts in helping me. I submitted proof that was requested by them to an email address they provided to me, and I have yet to still hear back from someone. Please assist on this matter as XXXX is holding funds for an item they literally received back and literally are committing fraud. Once this resolved Im closing my account and taking my banking to another bank. This was a terrible experience.
Product: Vehicle loan or lease

We purchased a car and did not receive paperwork with terms of loan till later. No where did it state about 1000 % interest. For every XXXX Payment only XXXX goes to principal after 3 years of payments the loan is almost of what we borrowed from Nicholas Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX via mail XX/XX/2020, regarding them sending me a bill for a {$200.00} prepaid credit card that was a XXXX  balance and closed. On XX/XX/2020 I paid XXXX XXXX a payment of {$150.00} to have them to remove the incorrect balance that they was originally billing me. Instead of a correction, my credit report ended up showing a new " Highest Balance '' of {$340.00}. I called them again to discuss why they would show me owing a " Highest Balance '' of {$340.00}, when this is a prepaid card and you can not go over your balance. Instead of getting a response I got hung up on. There is no way my I should have a higher balance on a prepaid card of {$200.00}, that does not allowed you to exceed the {$200.00} limit.
Product: Checking or savings account

I XXXX XXXX saw that TD bank had a promotion where you can qualify for {XXXX} bonus by opening an account. I had an account back in XXXX so i visited the XXXX MA branch on XX/XX/XXXX and i explained to the teller XXXX that i was interested in opening an account to take part in the promotion. I also explained to her than I had an account back in XXXX so I wanted her to check to confirm if i would qualify or not for the promotion. She checked her computer system and advised that she couldn't find anything in the system for me so I would be considered a new customer. She also advised that i would have to also open the account online to qualify so I proceeded to open the account online via my mobile device. Once the account was opened i deposited {$2500.00} to  avoid the monthly maintenance fees and XXXX printed me a debit card. I proceeded to set up my direct deposit at my job which started on XX/XX/XXXX for {$800.00} and that amount reoccurred until XX/XX/XXXX and after that my direct deposit was changed to {$5.00} which is currently on going. In total between XX/XX/XXXX and XX/XX/XXXX I've direct deposited {$4000.00}  from my payroll which surpasses the {$2500.00} requirement within 60 days which would be XX/XX/XXXX. I called multiple times and i was advised that I 100 % qualify and meet the requirements of the promotion ( {$300.00} bonus ). Now 107 days later when its time to pay the bonus they are advising me that I don't qualify because i had an account before. If they told me this back in XXXX when i visited the Melrose branch I wouldn't have wasted my time and tied up my money and changing my direct deposit for all those months. The customer service rep advised me to go to the branch since this issue started at the branch and the branch can send an email to the promotion team requesting an exception to be made since the error was on their part. I visited the XXXX branch on XX/XX/XXXX and had a meeting with XXXX XXXX whom is the store manager. She supported me and sent the email to the promotion team requesting the exception be made so that I would receive the {$300.00} bonus. I followed up with the TD branch on XX/XX/XXXX and spoke to the customer service rep XXXX whom advised me that they did get a reply from their promotion team whom are still refusing to honor the {$300.00} bonus. At this point I'm going to close my account at TD bank. I find this to be a very deceiving practice on their part. If that representative took a little more time to advise me correctly i wouldn't have wasted my TIME and energy to open the account to get the bonus. Most banks after a year or two you're considered a new customer, so when XXXX advised me that I would be considered as a new customer since its been almost three years according to me ( XXXX ) and she cant find any records for me on file, I had no reason to doubt her and went ahead and invested my TIME and money. I strongly believe that TD bank should honor the {$300.00} bonus to me. I look forward to your response and resolution to this matter. 

Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was a victim of identity theft in XX/XX/2015. Someone opened XXXX new phone lines and purchased XXXX iPhones and there was an attempt to purchase XXXX additional lines at another retail store but the clerk did not fall for the fake ID. I disputed the inquiries and accounts and placed a security alert. Both companies involved investigated and it was determined that someone had used my identity to make the purchases. I received letters from both companies and forwarded them to the credit reporting agencies and I believed everything had been removed. Recently I realized that XXXX XXXX XXXX is still reporting a hard inquiry on Equifax. I again disputed this and received a notice from Equifax that this was investigated and determined to be factual. I have a letter from XXXX XXXX XXXX specifically stating that it was determined that there was fraud and that XXXX XXXX XXXX had also notified all three agencies to remove any negative information from my credit report. I do n't understand the investigative process ... ... ..I am forwarding the letter from XXXX XXXX again to Equifax as I do n't know what else to do. I wonder if they even investigate at all. This all happened over a year ago and I am still having to deal with this.
Product: Credit reporting or other personal consumer reports

My credit applications are getting denied because my credit report has errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health and credit score due to this inaccurate information on my credit report.
Product: Credit card or prepaid card

Purchased BEST BUY CREDIT CARD XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I purchase {$14000.00} of entertainment equipment from Best Buy XXXX XX/XX/XXXX using my new Best Buy credit card ( Citibank ) XXXX At the time, the salesperson indicated that there would be deferred interest for 36 months. Best Buy puts a small digital screen in front of you with pages after pages of legal languages you must sign to get through the transaction. First off, the font is so small a reasonable person couldn't read it. Second, I am not an attorney. It is meant to confuse the average consumer. I set my bill pay to pay it off early with a $ XXXX payment. 

Just yesterday, I was helping my father with a purchase at Best Buy. I asked if they offered a XXXX or XXXX deferred payment option. The salesperson indicated that only XXXX were available. I thought to check the status of my Best Buy credit card. 

I was shocked to find that it had been set up with only 24 months of deferred interest. As of XX/XX/XXXX, I only owed {$2200.00} -- given my payment schedule, I would have paid it in full in roughly 5 months. The following month, {$6100.00} was added in interest bringing the total amount owed to {$7900.00}. This results from an absorbent credit card interest rate of 25.24 %. This is way out of alignment with my risk profile, as my XXXX score at the time was XXXX. 

I believe that the Best Buy credit card has defrauded in XXXX ways : putting a contract in front of me that was not reasonably visible, within the credit card monthly statement burrying a notice on the second page in a small font to notify me of the looming lump of interest, and charging a usurious interest rate that does not match my credit risk. 

I contacted the Best Buy credit card today to seek a resolution. They indicated that it was an issue with the salesperson at Best Buy and I should seek a remedy with the store. The Best Buy credit card as a matter of goodwill credited my roughly a {$100.00} to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I had an installment loan from Ace Cash Express for under {$700.00} on which I made several payments. I was unable to continue paying the payments and the loan defaulted. Yesterday at my work I received a call from someone claiming to be from my county clerks office needing to serve me papers because I am being sued. They asked if I had my 7 day notice with me. I said I had no idea what they were talking about and she suggested I contact the attorneys office and gave me the number XXXX and told me to refer to docket # XXXX. I called and was given to " XXXX XXXX '' at extension XXXX who had this horribly scary story of me being taken to court and need to have the amount of over {$1800.00} paid immediately or the judge could garnissh wages or put me in jail because since the auto drafted payments from my account in the beginning, the ones that did n't go through were considered to be like a bad check. 

The lady had me in such a XXXX I gave her every dime I had to my name off my prepaid debit card. The amount I paid was {$620.00} which is more than the original amount of the loan. She said they were going to contact my county clerk to put in a stop order. She told me that they were going to take another {$620.00} out in two days, XXXX XXXX, and the remaining balance of XXXX would be taken out on XXXX XXXX. I was told that if any of these payments did n't go through I would go to jail. Yesterday afternoon after regaining my composure and looking at the company that debited my card the red flags went up. It was not taken by an attorney 's office, but rather by XXXX XXXX XXXX. I then contacted my county clerks office who had no idea whatsoever what I was talking about and that no such paperwork, docket or case existed. I then went online and researched the name and phone number only to find they have gotten in hot water all across the country for doing this type of thing. Why are they allowed to continue this practice. I have had to report my card stolen and get a new card so they can not continue to charge my account. Upon figuring this out I called this lady back who was never available to take my call, but eventually had the lady who answered ask me if I had the rest of the money ready for her to get off my card. I told her to give her the message that I had gone to the county clerks office and found out this was all a lie, not to dare try charging another penny to my cards and that I would begin taking action against her. No one has called back.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXXXXXX XXXX  to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in retaliation for me reporting Experian to this agency the ftc and attorney general, they have illegally reinstated six ( 6 ) accounts that were deleted from my credit file on XX/XX/XXXX, XXXX two ( 2 ) of which were identity theft items, that were proven to be fraudulent. on XX/XX/2019 i notified experian that they were the only credit bureau reporting accounts that were supposed to be deleted from my file. these accounts were paid in full and were no longer being reported by the creditors. not only is experian reporting these accounts, they are being reported as charged off, not paid and with a balance due.when i called experian they stated that it was due to a RE-INVESTIGATION, that i requested. why would i request a re-investigation if the file was deleted as a result of my original dispute. this has resulted in my credit score decreasing by 27 points. and once again i have been denied  housing. Experian had no reason to launch a new investigation and then lie stating that i requested.i am XXXX and my husband is a XXXX veteran. we are dealing with numerous physical medical issues. this is harassment and bullying on Experians part.the following items were deleted from my file ; XXXX XXXX ( fraud ), XXXX ( fraud ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ) & XXXX ( paid in full ). all of these accounts were paid in full in XXXX. and were to be deleted from my credit file as per the creditor. i have reached out to all of them and they have stated that they are no longer reporting and have kept their agreement to delete the files. XXXX  and XXXX-XXXX are not reporting these accounts. experian is also reporting these accounts as of XX/XX/2019 to remain on credit file until XXXX which is also illegal.
Product: Debt collection

I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX Has an account open for the amount of {$460.00} and I have tried in every possible venue to solve this situation with the company and they refuse to work with me. I have spoken to them several times and I have disputed this item several times with the credit bureaus and have not been able to get it off my record. This debt is not mine and Im not responsible for it. It's mind blowing how they are trying to make me pay for something that is not mine and worse they reported this to the credit bureaus and it's creating some deep damage to my credit. I was left with no choice and I have placed a fraud alert on my credit reports in order to avoid this situation from happening again.
Product: Mortgage

I lost my job due to the pandemic and entered forbearance with my Mortgage company Mr. Cooper ( backed by XXXX XXXX ) around XX/XX/2020. I'm concerned my mortgage company is creating loop holes to deny people on the 2 3-month forbearance extensions the White House Administration has instilled to protect people like me. 

I've been denied based on a technicality I feel they lured me into. In XXXX, I kept getting notifications from my mortgage company ( Mr. Cooper ) urging me to select a plan for when the forbearance ends. The only options presented were 1. Pay everything I owe in one lump sum ( can't ), 2. Sell the house or risk losing it, or 3. Request a modification. I chose the modification. 

Once the forbearance extension option was brought to my attention, I was told I can't apply for forbearance because I applied for modification. I cancelled the request for modification and applied for Forbearance. I'm being told the investor is saying no to my forbearance extension request because I'm pushing past delinquency of 12-months. 

*Important to note I applied for the modification BEFORE my forbearance expired. I recall actively reaching out to Mr. Cooper 2-weeks before my forbearance ended. The modification process was ongoing, I never received any approval notifications. Now that I've requested a forbearance extension, I'm told I'm being denied bc I'm " pushing past delinquency. '' Managers at Mr. Cooper are saying I'd be hitting a 15 month limit, meanwhile it is a maximum of 18-months allowed, and I'm only at month 12 or 13. 

Can the investors just reject or decline my extension request? Does their reasoning make sense to anyone? I've called Mr. Cooper many times, it's difficult to get clear information. What can I do to get on track to the forbearance extension? 

Before the pandemic, my mortgage was current and in good standing. It's currently almost a month past due because I was awaiting on results from the forbearance extension request. They kept telling me it's under review ( for several weeks ). 

What are my options? Are they creating and taking advantage of loopholes to deny my much needed request for forbearance extension? I am currently unemployed. Please advise. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   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