23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to remove these names and addresses. These names do not belong to me and the addresses I've never lived at these places listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC System has been calling me every day for weeks. This is allowable. However I have answered the call 2x. The first time the call took several seconds to connect then once connected it dropped immediately ( XXXX ) - a violation of the TCPA worth {$500.00} minimum as it is apparent they are using an autodialer. Today I answered the call and the agent refused to identify herself and failed to provide the miranda statement after asking for my wife. 

I called back and the agent told me they do not have to identify themselves unless they know who they are calling. I escalated to a supervisor who LITERALLY tried to collect a debt without giving the miranda after finding out who I was, I hung up on the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX  10. XXXX XXXX XXXX in my name at any time.
Product: Credit card

I HAVE SYNCHRONY ACCOUNT I KEEP PAYING THEM FOR THE LAST XXXX MOTH AND I STILL XXXX ACCOUNYT NO ENDING WITH XXXX A CALL THEM WHEN I APPLY AND I BEIAN TOLD THAT IF YOU PAY THE XXXX IN 18 MONTH IT WILL BE NO INTREST RATE AND I START PAYING EVERY MONTH MORE THE {$730.00} TODAY WHEN I CALL AFTER ALL OFF THIS TIME I BEAN TOLD BY THE MANGER NAME IS XXXX XXXX ID XXXX THAT I SIGIN FOR COMPANY TO ADD A FES EVERY MONTH EVEN THOTH I DID NOT SIGHAN FOR ANYTHING THE ONLY THING I SIGAN FOR IT THE AUTOMATICK PAYMENT WHEN I CALACLAUTE THE PAYMENT XXXX IT SHOULD BE ENDING MY PLANCE NO ONE OR ANY STATMNET BEING RITEN OR NO ONE TOLD ME THIS IS BIG SCAM PLEASE HELP ME
Product: Student loan

My loan service provider NELNET is making mistakes in allocating my payments to my student loans, has failed to notify me of these errors, and refused to provide documentation of the error in writing when specifically requested. 

I have 2 fixed rate student loans serviced by NELNET and I noticed this month XX/XX/2018 that my payment amount was less than half to only one of my loans. This has never happened before. I called customer service at Nelnet and was told there was a loan servicing error in XX/XX/2018 ; I was told only loan group A received my payment in XXXX. I was not notified of this servicing error and asked for written explanation by email, but customer service refused. I was told that NELNET was alternating payments between the two loan groups and only half was due each month which makes no sense. The amount I pay is the same regardless of how the NELNET allocates my payment between the two loan groups and should not effect my payment amount due each month. 

It seems to me there may very well be an ongoing error which has not been fully explained to me nor fully understood by NELNET. Their inability to explain the error or provide written confirmation of the error leaves me vulnerable to penalties and fees for their mistakes. It seems that since their merger in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX has led to serious internal mistakes in record keeping regarding amounts owed by individuals and performing their primary function in servicing loan repayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I noticed that there was a bad credit record showing that I have a delay payment for a BOA credit for more than a year. It hurts my XXXX credit score. However, I never had a BOA credit account and I am not a BOA customer anymore ( used to have a checking account from XXXX-XXXX ). I called multiple times to BOA and since it was not my account I don't know the exact account number, therefore, BOA customer service can not help me to locate that account or file a fraud report. 

I filed dispute with XXXX twice, and after so-called investigation, they kept recognizing it was my account. Until the later of XXXX, I went to BOA local branch. The front-desk manager helped us call their fraud center and explain the situation ( using his internal privilege ). We found out that there was a guy who had a similar name as mine but same at all, and ever lived in the same apartment building but not same unit as mine couple of years ago. BOA mistakenly put his bad credit and linked it with my credit report! BOA said they would investigate it and hand to XXXX within 60 days, but 60 days passed, we haven't heard anything. My credit score keeps decreasing and I am about to loan mortgage. I am quite innocent but no one seems working for protecting us.
Product: Mortgage

CitiMortgage is claiming that they have not received my payment for XXXX. My payment posted to my bank account on XX/XX/XXXX a day it was due. They're also stating that only partial payments have been made for the past several months, but that they see that my full payment was made but is being held in some other account. My bank has sent them copies of my payments. I have spoken to at least 40 different people over at CitiMortgage all who tell me a different story. Nobody can tell me where my money has gone, or why they are telling me that I'm in foreclosure even though my statement say that I am current on my mortgage, with the exception of the missing XXXX payment that they can not find. I recently had a bankruptcy that was discharged, and I had made all of my payments to the bankruptcy court and received final payments have been made to both my first and second mortgage. Citi mortgage is my second mortgage. Multiple people at Citi have told me that the reason that I am in foreclosure with them is because my first mortgage with XXXX XXXX is in foreclosure. However I have called XXXX XXXX and they state that I am not in foreclosure and that my account is current with them. They are waiting for the release of the bankruptcy. I have called CitiMortgage everyday for the past 2 weeks and spent multiple hours on the phone, trying to get this figured out. CitiMortgage just keeps passing me off to the next person and can not tell me anything about what's going on. I am highly disappointed in the level of customer service, and the lack of respect that I've been given by CitiMortgage. Moreover, I do not feel like I can trust that my money is being credited to my mortgage anymore or if it's going someplace else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( BOA ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. BOA has blocked my online access to this billing statement and I can not get access. 
I requested online through the BOA website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called BOA and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX   balance. I made a {$50.00} payment to BOA on XX/XX/2018. BOA has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
BOA is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now BOA has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Relevant Information : This negative item was previously removed from my credit report.

I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name : XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within five business days. The notice must include the following : That the item has been reinserted.

The name, address, and telephone number of the creditor or furnisher of the information.

Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the information.
Product: Credit reporting or other personal consumer reports

On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX and XXXX  accrued illegally during the investigation Period
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX BALANCE : {$96.00}
Product: Mortgage

Newrez received XXXX checks totally {$250000.00}. They were instructed to, and acknowledged they would, payoff the mortgage and send the funds back via ACH deposit to my account. The {$250000.00} all cleared the issuers bank on XX/XX/year>. Newrez has STILL not paid off the note and therefore it's costing me interest and PMI every single day, not to mention the loss of interest on the balance owed back to me.
Product: Debt collection

In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally. 

Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change. 

I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it  reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion. 

Since this was not my fault, it is not fair that my personal credit scores are being harmed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX credit cards listed as charge offs and I never received a XXXX for them.
Product: Credit card

Complaint Regarding Disputed Transaction and Billing Practices Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Goldman Sachs Bank USA ( Goldman ) in connection to its handling of a dispute related to my Apple Card account. This issue is particularly concerning given the Bureau 's recent order issued on XX/XX/XXXX, against Goldman for violations related to the Truth in Lending Act and Regulation Z. 

In my case, I have encountered similar problems. I am disputing a transaction with XXXX  ( Transaction Date : XX/XX/XXXX ; Disputed Amount : {$260.00} ; Dispute Case Number : XXXX ). Despite multiple attempts to resolve the matter with Goldman Sachs, I have been re-billed three times for the disputed transaction without any evidence provided to justify these charges. 

Goldman has failed to conduct a reasonable investigation, and I have not received the required resolution letters or any substantial response within the legally mandated timeframes. This echoes the Bureaus findings regarding Goldmans failure to handle disputes and its delay in resolving transaction disputes, as outlined in your recent announcement. It appears that Goldman is still engaging in unfair practices by holding me liable for this disputed amount without properly investigating or resolving the issue, which directly contradicts their legal obligations under the Truth in Lending Act and the Consumer Financial Protection Act of XXXX. 

To summarize my situation : I disputed the charge after XXXX failed to provide a return solution for an item that exceeded USPS weight limits ( over XXXX pounds ), and I was left without a valid shipping option. 
Despite escalating the issue to Goldman, I have been re-billed multiple times, and no evidence or investigation results have been provided by Goldman Sachs. 
Goldmans failure to appropriately handle this dispute and their disregard for legal obligations under Regulation Z mirrors the issues highlighted in your XX/XX/XXXX order. 
I respectfully request that the CFPB investigate Goldman Sachs 's handling of my case and take appropriate action to ensure compliance with the law. Additionally, I request that a permanent credit be issued for the disputed amount, as Goldmans handling of the situation has been both unreasonable and non-compliant. 

Thank you for your attention to this matter. I look forward to a resolution. 

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

Please validate the listed accounts If you can not validate this account please remove and delete this account from my report right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

boy at the rate these repugnant useless companies reply back its laughable NO investigation no work done, they just email the debt collector get a reply back that is always a yes and then close these VALID complaints out within 3 days with a generic copy and paste response from a generic employee that probably worked at a XXXX XXXX last week. 
Yet again another cryptic message from these morons. there is an unauthorized 3rd party means nothing to me so since I have to guess what the XXXX you mean I have every right to include evidence from XXXX XXXX showing the sheer incompetence and stupidity of the company you work for if you werent so cryptic I wouldnt have to grasp at straws and if you werent so in favor of continuing to believe XXXX just because they bought my social Unsecurity number from god knows who, just continues to show how since XX/XX/XXXX you have done zero to fix this matter and remove this FRAUDULENT charge from my report and just continue to take the word of some low rent debt collector. You have my authority to inform whomever the XXXX 3rd party you want. And zero authority to refuse evidence I present in my favor. however you DONT have the authority to forward anything to XXXX it is NOT their job or decision to decide whether this is fraud or not its actually YOUR job. Transunion and XXXX. 
after my social security number was hacked in XX/XX/XXXX I received a debt collection from XXXX in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination transunion/ XXXX   has towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. transunion/XXXX DOES NOT take a customers word as evidence or the paperwork provided but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked.
Product: Mortgage

The company, LoanDepot, promised me {$3000.00} in cash back. That cash back was vastly reduced. The loan officer I spoke with said that they were breaking the law to offer me that money. I want to know if their refinance of my mortgage was illegal and if they owe me any money or damages. 

I am a 100 % service XXXX Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report dated XXXX XXXX, XXXX provided by XXXX showed Consolidated Recovery for two accounts showing on my XXXX report. Those accounts numbers were account # XXXX and XXXX. As of XXXX XXXX XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XXXX/XXXX/XXXX. This means that XXXX/XXXX/XXXX would be the correct Date of First Delinquency. As of XXXX/XXXX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. Consolidated Recovery, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XXXX. From XXXX until the time that I filed the dispute with the credit bureaus in XXXX XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from Consolidated Recovery. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XXXX. They are reporting a date in XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent XXXX so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually Consolidated Recovery that is reporting the accounts to XXXX
Product: Debt collection

A third party company called me and lied. A representative named XXXX XXXX from FirstFedloan.org, or Equitable Acceptance, said that he was from the Department of Education, and that he was going to help me resolve my student loan debt. 

He is NOT from the Department of Education, and instead of directing me to them, he posed as them and collected money from me. He is still collecting money from me. 

When I called to the Department of Education, they informed me that I was scammed. They said that this third party did not use my e-mail to create an account, but used an e-mail ending in " XXXX. '' This e-mail does not even exist. This fake e-mail was to prevent me from receiving communication to let me know the scam that was being done to me. 

XXXX XXXX posed as me, stole my identity, collected my social, and proceeded to create a Federal Student Loan ID and XXXX XXXX ID without my permission. 

He also set up a direct deposit with my bank to his company. 

When I called to Equitable Acceptance to complain, they said XXXX XXXX got promoted and could not speak to me. 

They also used the analogy that they are like a dentist - - they know the customers need dental work, but can not do it themselves, so they do the work for customers. 

This is a complete lie. The Department of Education has people and processes in place to do this line of work. 

XXXX XXXX, Equitable Acceptance, firstfedloan.org, are criminally and unecessarlity taking money from people and creating accounts with personal information in order to fatten their wallets. 

Please - - they need to be stopped.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXX XXXX  within the required 30-day timeframe regarding a dispute I submitted. Because TransUnion failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. TransUnion has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and TransUnion has not provided verification, this disputed item is now legally required to be deleted from my credit report. 
Ongoing Harm Due to Negligence TransUnions failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action. 
A fair resolution to this issue would be the immediate deletion of the disputed item from my credit report. Since XXXX failed to complete its investigation within the required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ), the item must be removed.
Product: Mortgage

Have been attempting to work with Ditech to obtain a modification to my mortgage for 8 months, finally got the trial modification after getting XXXX XXXX involved. They have however put derogatory comments on my credit reports ( foreclosure initiated ) and I want that removed and changed to modification trial initiated