23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I put in an application for a Chase Sapphire Reserve card in ~ XX/XX/XXXX. I received a letter from Chase dated XX/XX/XXXX asking for me to come into a branch and provide a copy of my Social Security Card for verification. I've previously been a victim of identity theft so this type of thing is routine when opening new accounts for me. I went into the Chase branch at XXXX XXXX XXXX XXXX Washington DC XXXX on XX/XX/XXXX and XXXX XXXX ( XXXX ) took my Social Security Card into the back without me and scanned and faxed it to their Fraud department along with their " SSA-89 '' form which had my SSN on it as well. She had the assistance of at least one other woman who worked at the bank. She took a copy of my SSN and used the copy to scan/fax it. I called XXXX to validate that the Card Services department had received it and had the phone on speaker phone while XXXX XXXX and the Card Services member talked about how to store the document. The Card Services member validated that she had what she needed and the call ended and I left the bank. 

On XX/XX/XXXX I received the same letter as I received previously again and when I called both the bank and Card Services departments they did not know where my faxed or scanned Social Security Cards were. I would like a full investigation into this matter about how they were able to lose my PII, especially both a form with the SSN on it and a copy of my physical social security card. Card Services called back to tell me my application had been approved, but they were not able to tell me where my PII was. I also talked with the Branch Manager of the Chase Bank and she said she was going to find out what happened but I have not yet heard back either from her. I would like a full explanation from Chase about what happened and I want all of my information permanently deleted from their systems including documents because I do not trust that they will be able to protect my PII in the future because they have not currently.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as of XX/XX/XXXX report has said that due to public records and high balances that it can effect my credit score. The law pass in XXXX states that no credit Bureau can place or use collections and Tax liens against you. It seems that Transunion does not follow the laws. Trans union is going off of 3 RD Parties in which has no support or proof of the real amount or if any balance or amount is correct. I also had ask 3 months ago for proof from Transunion in which no documented proof nor any proof from the source has been provided as. I requested documentation to support what there saying to high credit card limits & collections or liens. Transunion also has had bad issues after items have been deleted and no longer on my report. Transunion also does not factor how much was deleted by the creditor in error/ greater. With credit bureaus its no more than a game if you pay it off or closed the account TransUnion tries to use it against you. TransUnion has a creditor place bad information in which its recall and informs the credit bureaus of errors and to delete the such said itmes
Product: Mortgage

Ditech Financial LLC XXXX informed me by letter on XXXX XXXX 2016 that my XXXX 2016 mortgage payment received XXXX 2016 was returned unpaid. 
In fact, my payment are all made electronically from my checking account. All payment XXXX, XXXX and XXXX were made and all cashed by Ditech according to my Bank. My Bank account statements all show all payments to Ditech made and cashed and no returns. Since XXXX to date XXXX 2016, I have provided Ditech with faxed images of all the checks they cashed and my bank statements reflecting my good faith payments and no returns by Ditech. To date, this issue is unresolved and I am begin to suspect a mortgage scam possibility of an artificially created late payment by Ditech Financial LLC. My Ditech Mortgage Company monthly statement show no such problem.
Product: Credit card or prepaid card

I went to redeem my reward points valued at {$1200.00} from Chase on a credit card ending in XXXX. I received the confirmation email, but the money never made it to my account. I called chase and they confirmed my account number and routing number were correct. They said the points should be corrected and in my account within 1-2 business days, but they still havent shown. Ive tried calling the bank multiple times and my calls wont go through.
Product: Credit card

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, I live on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I am writing regarding that my Citi American XXXX card ending XXXX was closed by Citi Bank, despite the fact that I sent them signed XXXX form and signed XXXX form. They notified me that they closed the account because they haven't received signed documents. But I did everything on my side to resolve the issue with my card. Please help me to find some justice, they have in their possession everything they need, but they don't want to process it and reopen my card.
Product: Vehicle loan or lease

Went to a XXXX XXXX XXXX dealership in XXXXXXXX XXXX I purchased a vehicle with a XXXX deposit for a XXXX XXXX XXXX XXXXXXXX miles was told the purchase price would be XXXX after initial deposit remaining balance would have been XXXX to finance payment plan XXXX week paid almost XXXX into payment only to find out my submitted application was for XXXX unbeknownst to me
Product: Credit reporting or other personal consumer reports

Request to Update Public Records Dear Factor Trust XXXX XXXX Support Team, I am reaching out to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated to ensure my profile remains accurate and up to date. 

Details to Update : Phone Number : XXXX For your reference, I have included proof of identity along with documentation confirming my current phone number. If you require any additional information or further documentation to process this request, please do not hesitate to let me know. 

I would appreciate it if this update could be completed at your earliest convenience. Once the update has been made, I kindly request confirmation that my records have been updated. 

Thank you for your time and assistance. If you have any questions or need further clarification, you can contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXXXXXX XXXX has reported on my XXXX credit reported account ending # XXXX, in the amount of {$410.00} as a charge off I am asking XXXX XXXX for my consumer rights, I need a copy of the agreement thats signed by the consumer, XXXX XXXX, for the above account reporting on XXXX credit reporting bureau as of XXXXsince I was not given a copy of this agreement, I am asking XXXXXXXX XXXX to send a copy to my address that you reported me to with XXXX credit reporting bureau.I do give my permission to c.f.p.b. to get a copy fo my credit report at XXXX credit reporting bureau.
Product: Credit card or prepaid card

Back on XX/XX/2021. I began working with XXXX XXXX to start a debt management program. I have since then called Navy Federal a couple of times to inform them of my situation. I signed up with beyond finance because my position at my job was discontinued after the business reopened after the covid restrictions were lifted. I had been unable to find another job and was unable to make payments. The last time I called navy Federal they said that I could try to work a settlement with them and I asked how it would work. They told me they could lower the balance by like 60 % but I would need to make an upfront payment of {$780.00} and then {$300.00} a month, which I would not be able to do. At the time, after making all my payments, I was left with like {$520.00} a month. On XX/XX/XXXX navy Federal sent me an email that they would prepare a lawsuit against me and to make a payment. Today XX/XX/XXXX, they sent another email and stated they had sent a lawsuit to their legal department and for me to make a payment. I get like one or two phone messages from them, but I ignore them because beyond finance advice me to ignore them.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 

Here are the inquiries listed below. 

Account Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am currently in Borrower 's Defense Forbearance. On XX/XX/XXXX I called Nelnet to take my loan *out* of the forbearance so I can restart my payments. I got no follow-up email or letter stating that the forbearance was removed. I had consolidated my loans earlier this year under the new SAVE plan so as not to have interest accrue on my loans. 

I called Nelnet on XXXX to follow-up. I was told that they had no record of my request to do this. I restated I wanted my loan *out* of forbearance. They said they would make the request to the Dept. of Education to do so. I followed-up again on XX/XX/XXXX to check on my status. They confirmed the the request was made and they were still waiting on the Dept. of Ed. I had made 2 payments on my loan since the end of the Covid deferment. 

Yesterday, XXXX, I got a letter from Nelnet stating that I had requested my loan be put *into* forbearance and that my forbearance was in fact *extended* from XXXX to now XXXX. Obviously, I did not request this. 

Today, XXXX, I called Nelnet to explain to me why I was not taken out of forbearance AND that my end date was now in XXXX ( previously it was to end in XXXX ). They had no explanation for why this happened and stated they could only make requests to the Dept. of Ed to get my loan out of the forbearance. The associate I spoke with stated it was not something that *they ( Nelnet ) * could do but had to be done by the Dept. of Ed.

After speaking with Nelnet, I called the Dept. of Ed 's Borrower 's Defense Hotline and was told it was the loan servicer 's responsibility to remove the forbearance. I explained to the person my conversation with Nelnet. The person said all she could do was send a request to Nelnet to remove my forbearance and that she could not remove my forbearance from her end. 

Both parties are claiming it is the others responsibility for getting my loan out of forbearance. It is not acceptable that neither party seems capable of doing this. I have spent many hours on the phone on hold trying to talk to my servicer about this situation.
Product: Student loan

XXXX from Collage XXXX. Most of my past student loan from XXXX to XXXX was held by Nelnet before I consolidated over to XXXX. From XXXX until XXXX the servicer would not work with me to lower my payments to a reasonable payment plan with my income and family size. I remember Nelnet steering me into Forbearance Plans most of the time to play catch up with struggling past student loan minimal payment requirements. At the time I had my job I was bringing home for income $ XXXX with one child in my household. My payments at times were as high as $ XXXX {$400.00} monthly. Most of the time I had to stop paying because of housing, electric, and food was a priority. I almost defaulted but stopped the default by consolidating my student loan debt into XXXX. I even tapped into my 401K plan to pay down some of XXXX in student debt in order to drop my payments down to a reasonable amount for my current income. XXXX now has guided me into income payment plan but it took years of struggle and losing my son on a living permeant basis because of my high monthly payments and keeping up with daily house hold bills. 
Sometime before I left Nelnet the servicer was down right mean to me as she quoted, " well you have to pay this back '', I don't care what income or family members you have in your household, just pay us ''. 

I fell victim to Forbearance Steering mostly from Nelnet Student Loan Servicer.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

Payment Status : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and take the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.
Product: Debt collection

Midland Funding LLC took out a garnishment against me XX/XX/XXXX. I was not served the XXXX in XXXX until XXXX/XXXX/XXXX for a court date that was scheduled for XXXX/XXXX/XXXX. When I called Midland Funding LLC, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from Midland Funding LLC regarding the repayment. On XXXX/XXXX/XXXX, I called and spoke to a few representitives at Midland Funding, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was recieved. I called again on XXXX/XXXX/XXXX, and was told the same thing. Once again, nothing received. On XXXX/XXXX/XXXX, I received a alert via a credit monitoring service that a judgement was issued. I contacted Midland Funding yet again. Spoke with XXXX, whom proceeded to tell me that " we would n't have have non-suited your judgement '' along with " stop being a XXXX deadbeat and pay your debts and this would n't happen ''. 

I then contacted the CFPB regarding this matter back on XXXX/XXXX/XXXX. Midland Funding removed the Judgement from one credit bureau ( not all of them as per they stated they did in the resolution ). I never recieved any communications from Midland Funding regarding the repayment yet again. Nor did I recieve any communications regarding the repayment from XXXX XXXX XXXX ( whom Midland Funding claims was processing the judgement ). When I attempted to contact XXXX XXXX on XXXX/XXXX/XXXX, I was placed on hold for XXXX minutes then hung up on. I called back seven times to the same result. On XXXX/XXXX/XXXX, after daily calling, I was finally able to get someone who stated that " You have two options, you pay us the entire amount or you will be sued ''. On XXXX/XXXX/XXXX, I managed to contact yet again. I explained to XXXX ( who I was told was handling my case ), that I did not receive any repayment information and that I was stated by Midland Credit that they were non-suiting the case. I got laughed at, then told " Oh well, that 's your fault ''. 

After filing my XXXX complaint here, I had the judgement removed from what I thought was all three bureaus, but instead was just XXXX ( both XXXX and XXXX still show the judgement ). Nothing was sent to me from Midland Funding LLC or XXXX XXXX XXXX. I had not heard anything from Midland Funding LLC or XXXX XXXX XXXX regarding the matter after the last follow up on XXXX/XXXX/XXXX from the CFPB. 

Now on XXXX/XXXX/XXXX, I received notification from my employer that I had a wage garnishment issued by Midland Funding on XXXX/XXXX/XXXX. I was never given any paperwork regarding the garnishment order other than a electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XXXX/XXXX/XXXX for the judgement issued back on XXXX/XXXX/XXXX. Almost two years after the initial ruling, and with XXXX contact from either Midland Funding LLC or XXXX XXXX XXXX in regards to the matter.
Product: Mortgage

I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a XXXX rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XX/XX/2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather
Product: Debt collection

To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe LVNV FUNDING LLC. I am requesting proof that I am indeed the party you are asking to pay this debt, {$130.00} and there is some contractual obligation that is binding on me to pay this debt to LVNV FUNDING LLC. 
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that LVNV Funding LLC provide me with competent evidence that I have any legal obligation to pay. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the XXXX of XXXX creating a contract that obliges me to LVNV Funding LLC. I request LVNV Funding LLC provide a signed contract between me and LVNV Funding LLC regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$130.00} from credit reporting agencies, XXXX, XXXX and XXXX
Product: Student loan

I am the co-signer for my daughter 's loans. She is unable to make payments so I took over the payments. I pay each loan separately, electronically ( by loan number ) through my bank, before the due date. I received a call today, XXXX XXXX 2015, telling me XXXX of the loans were late. When I returned the phone call, I found out Navient had placed the money where they desired, not where indicated on my electronic payment information. This caused the delinquency. I was on the phone for over an hour trying to fix the situation, I was transferred XXXX times, to different departments. If I send the payments separately, by loan number, how can they take the money and put it where they want? The loans were not delinquent. All XXXX payments were sent before the due date of XXXX 2015. I asked the customer service representative and all he did was transfer me to the person who was supposed to fix the problem. I spent XXXX minutes on hold while she worked through the problem. When she was finished, I asked her the same question. Her answer was that she did n't know. Before hanging up, I requested individual monthly statements be mailed to me for each loan I cosigned and a statement stating this problem was fixed. Navient may be a separate company, but they are still XXXX XXXX at the core.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to several dealerships to find a car to purchase. I finally found one and I couldnt get approve for the car due to misinformation on my credit reports. I have over 20 hard inquiries oh one of my credit reports in the last few months they have continuously wrecked it and I dont know why? I would like to be able to purchase a vehicle, but these hard inquiries have ruined my credit score and also it looks horrible to the finance company I need for Trans Union, XXXX and XXXX to remove these inquiry on my credit report I can list each and everyone each, and every day I have tried to dispute them online before. I have not given anyone any written consent, except for the one car dealership to run my credit report. 
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