23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacting the California Business Bureau and received a reply that shows they are requesting x2 an amount of a debt collection that was taken out of my record due to it being a duplicate. I wrote a complaint about how they have not been returning my emails or calls and in their response they said they had been contacting me and I haven't been responding. This is UNTRUE and DECEITFUL for this agency and they are trying to collect a debt that isn't the amount from my records. I have spoken with the hospital involved from where my debt originated from, and they replied with the number and address of a DIFFERENT debt collection agency XXXX XXXX XXXX XXXX XXXX than this one and also with a different amount requested. I would like clarity and transparency in what I need to pay off and to what company I should pay it to to get it off my credit report. Neither companies have tried reaching out to me which I believe it to be because of this COVID-19 pandemic occurring but that does not give them a right to straight up lie about them trying to reach me.
Product: Payday loan, title loan, personal loan, or advance loan

After I renew a loan with Regional Finance I told them that something was wrong about the total amount that they gave me and they said that I got a check and I never did. Everything became a mess and now my life is a big financial mess
Product: Debt collection

I am working with a debt consolidation company in regards to this debt. Check n Go has been aware of this since XXXX 2019, yet they continue to harass me at work. I am a XXXX and they are interrupting instructional time. Ive asked them to stop calling me and to communicate with my debt consolidation company who is working with them to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX XXXX XXXX closed my account with me still making payments after they had closed the account then on XX/XX/2019 Open the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from Experian Yesterday after fight with them all this time!
Product: Credit reporting, credit repair services, or other personal consumer reports

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

Transunion XXXX  XXXX On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Product: Mortgage

The Current mortgage loan servicer, Pennymac Loan Services of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX does not possess an indorsed promissory note from the original servicer of the loan, XXXX XXXX XXXX XXXX. In fact, XXXX XXXX XXXX XXXX noted that it has lost the possession of the original note as well.
Product: Student loan

I co-signed for XXXX private student loans ( XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank ) for my son to complete his XXXX degree. After XXXX when he conducted the consolidation & promissory note application via phone with AES, he asked to have all XXXX ( XXXX federal & XXXX private ) of his student loans consolidated. He was informed the private student loans could not be consolidated with the federal loans because it was against federal regulations. After approximately 6 months or so, we realized AES had consolidated all XXXX loans into my son 's XXXX consolidated federal loan. He was getting 1 monthly billing statement for all XXXX loans with XXXX account number, only. As co-signer, I was concerned because it was impossible to distinguish how the private loans were being paid as it was an " all or none '' payment situation. I was also concerned because I knew the private loans were not as flexible as the federal loans and could go into default much quicker. When we informed AES of its error & asked them to separate the XXXX private student loans from the federal, AES said it would look into. After months of no resolution & my son 's monthly phone calls to AES to correct this mistake, my son demanded AES correct the error. The very next month, AES placed the XXXX private student loans into default. We were shocked & dismayed because my son was in monthly phone contact with AES to monitor the account. There was never any mention of the XXXX private loans facing default. Now my son & I are being sued by National Collegiate Student Loan Trust ( NCLST ) for the original loan amounts plus interest ( about ( $ XXXX ). However, we have never ceased making monthly payments to his XXXX federal student loan account which is the same account number as the XXXX private student loans ( because AES consolidated them with the federal student loans ). As proof, my son 's credit report states his XXXX consolidated federal student loan status is " Current ; Paid or Paying as Agreed ''. My son 's credit report also shows the same account number for the federal loans as my credit report shows for the private loans. Finally, what concerns me most is my credit report states the status of the XXXX defaulted private student loans as " AES filed claim with the government ''. These XXXX loans are from private lending institutions and AES sent confirmation to me that the " Guarantor '' reimbursed the private lenders for the XXXX private student loans after AES forced the loans into default. I 'm concerned that the lenders were ALSO paid by the government. When I called & spoke to a Federal Ombudsman, I was informed that in no way should AES have filed a claim with the government for XXXX private student loans. Now XXXX is suing me & my son. They are attempting to get triple payment.
Product: Credit card or prepaid card

I was being charged overdraft fee on top of overdraft fee when I didn't even have one night from my account being in balance to the next day below. They gave me less than 24 hours and proceeded to charge me convince fees which I would like all back.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Equifax failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Equifax has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1. [ Insert Account Name, Account Number, and Details ] | 2. [ Insert Account Name, Account Number, and Details ] I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Equifax has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].
Product: Credit card or prepaid card

Discover Card was opened in my name. I noticed that an account was reported on my credit report. When I called, they said my card was closed due the fact that they were trying to reach me to verify my identity and I did not respond or could not be reached. I explained it was not my account.
Product: Credit reporting or other personal consumer reports

I have disputed for over a year trying to get help resolving the removal of an account fraudulently used/opened in my name appearing on my credit report. Disputes with XXXX  and Equifax had started early 2023, and they told me they verified I indeed own the account and to take it up with XXXX XXXX. This matter has Been brought up in civil court and dismissed with prejudice, so I have redisputed the fraudulent account with court documents detailing this. Both credit reporting agencies refuse to remove account, and advised me to again either follow up with XXXX XXXX ( who refused to investigate fraud and had to go to court to finally give up on case and dismiss ), or file a complaint. XXXX was able to remove the account from my report with them with same provided documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The thirdy party Nelnet has an account open in my name that does not belongs to me I continue to dispute these 12 account that is under nelnet but the credit bureau will not removed these account that are 17years old and counting. Every year Nelnet keep reopening the account I stead of being closed and removed. Under code15us 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}
Product: Credit card

Hello, I initially filed a dispute because the rules to this credit card was unclear and never explained properly. XXXX XXXX claimed they closed the card and took the full balance owed from my dental office. I then received more late charges at the same time my credit score dropped because of this issue. I then found out I was being charged for some type of insurance that I also had no clue about. I immediately called Care Credit to understand why I still had a balance and they told me it was their insurance added on I asked to cancel the insurance and I asked for all fees to be refunded. I received confirmation from the representative that the insurance portion would be canceled and refunded. I waited about 2 weeks to see if the balance would go away and I still have a balance for their insurance that was never canceled. I called two more times and I keep getting getting the runaround I keep getting different phone numbers to call, but no one can help me I should have a XXXX balance and I currently have a past due balance of {$270.00} due XX/XX/year>. This will continue to effect my credit and I am trying to purchase a house. This is the worst service Ive experienced. I cant get help from Care Credit. Thank you, XXXX XXXX
Product: Mortgage

I reach XXXX XXXX from Intercap lending on Friday, XX/XX/2020 by the phone. We've talked about my loan application, and in the end, I agreed to upload my document through the app she sent its name. 

She was very polite before receiving the information and run my credit! Even she stopped in the road to respond to the phone as she said, unlike after credit check! 
She is not responsible for the job she is doing. She believes she should respond to those who may be a good deal. I've been waiting for days to hear from her after the credit check. 
The first time I call after a credit check, she said I'm working on the type of loan that may be a good fit for you. However, in my second call which was after days later, she said : " I'm not working on your file as I explained the reason on the other day. '' She looks very confused, I guess she talks with someone else the other day! 
To summarize : - I believe that is my right to know what she found in my wife and my credit report. I have her written text that she said we could go over my credit report by the phone. 
- When she confirmed that we could go over to the credit report in a text message, I respond in the same way : " Let 's do that when you finalized my approval. '' This text is evidence of her confusion as she claimed she already notified me about her decision. '' - I send all documents needed professionally through the company 's app and email, and I expect to hear a proper response after several times follow up. I need to receive a professional letter or email about the decision instead of receiving a text that says : " It looks like we are not a good fit ... ''!!
Product: Checking or savings account

Hi, I referred a friend to the Chime card refer a friend program, through a chime app link of XX/XX/2021, Myself being a Chime card holder .The offer was that, my friend and I would both receive a XXXX dollar bonus for ( friend ) signing up and receiving a XXXX dollar direct deposit into his Chime account..Chime has denied my friend and I the bonus mentioned.I trust that Chime has the fudiciary responsibility to honor the offer / trustee.I tried twice to resolve the problem with Chime to no avail.I feel we were misled by Chime and there false advertising.My hope is to resolve this matter without taking it any further than CFPB.Thank you in advance for your help in resolving this matter. 
.
Product: Credit reporting

I filed Chapter XXXX XX/XX/XXXX and was granted a discharge XX/XX/XXXX. Part of the Chapter XXXX was a piece of real estate ( rental home ). The bank ( XXXX ) filed for an ORDER GRANTING RELIEF FROM AUTOMATIC STAY and proceeded with a foreclosure on the property. As I understand it, the foreclosure is simply a mechanism of regaining title for the bank. XXXX reported to the credit agencies that this property was a foreclosure as opposed to a Chapter XXXX discharge. I disputed this with the credit agencies and they did not fix the error. XXXX Bank said that they foreclosed on the property so they can report it as such. Now my credit report shows a foreclosure as well as a XXXX XXXX for the other discharged accounts. I would like the foreclosure to to be corrected to a Chapter XXXX discharge since this property was included in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my  Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( 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: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc . 
XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$740.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally  defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

This is a dispute with XXXX. I believe they have acted in bad faith and possibly fraud. They attempted to collect an amount from me by making an unauthorized charge on my XXXX card. I disputed the charge and XXXX found in my favor. XXXX is still trying to recover an amount from me ( even though they really owe me a refund ) and has reported me to a collection agency and as a result my credit report has been negatively impacted and my FICO score has dropped significantly. Companies should not be able to treat customers this way. 

This explanation only scratches the surface. Please read my full description that I have attached.
Product: Debt collection

On XX/XX/2018 I disputed the validity of a information being reported on my credit XXXX XXXX file from Professional Bureau of C stating that I still owe {$5700.00} on a Auto Loan owned with XXXX XXXX XXXX. This information is incorrect and I do not still owe either company because the account was paid in full through by bankruptcy filings. I would like this negative information removed immediately from my XXXX credit file as it is negatively affecting my credit and my ability to purchase a new vehicle
Product: Mortgage

I attempted to pay my mortgage with Ocwen via the phone as I usually do. Unfortunately, their automated system does not recognize my phone number, loan number, nor does the alternate option of inputting my social security number and zip code work. I have tried multiple numbers of Ocwen so I can make my mortgage payment and to no avail I am put on hold for 30 to 45 minutes before the system hangs up on me. I just want some assistance from Ocwen so I can make my mortgage payment on time before the XXXX without concern of being late. I just need to pay my mortgage, which you would think Ocwen would be happy to take from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion numerous times by mail to let them know that there was an inaccurate debt collection account on my credit file. I sent letters out on XX/XX/23 and XX/XX/23. 

They refuse to acknowledge my complaint with any correspondence or communication. 

The inaccurate collections account are from, XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX XXXX Account Number XXXX. 

Please remove these accounts from my credit report they are not mine and inaccurately bring reported. Which is causing me harm while I'm currently trying to purchase a house.
Product: Checking or savings account

In earlyXX/XX/2019 I attempted to open a chase checking account with the intent of taking advantage of the {$200.00} sign on bonus. I started to apply online but shortly into it there was an issue identifying me so it said i would have to apply in person. I did so on XX/XX/XXXX and then set up direct deposit the following week. According to the front page of the chase website, that is all that is required to earn the bonus. 
Quote : " To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 10 business days. '' As of XX/XX/XXXX the funds were not deposited so we called the branch as well as chase support. They all stated that nothing could be done since we did not have a 'coupon ' ; of which the requirements above nor the bank teller made any mention of when opening the account. If there are more requirements to receive the bonus then they need to be plainly mentioned. As it stands the paragraph on the front of the chase website is fraudulent and false advertising.
Product: Checking or savings account

I HAVE NOT RECIEVED MY DEBIT/ CREDIT CARD & I CANNOT SIGN INTO MY ACCOUNT. THE XXXX   WAS SIGNED & REFUSES TO MAKEL DEPOSIT