23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a standing debt balance with upgrade credit card company, they charged illegal fees after the account was closed and send the account to collections, the collection company called and illegally went inside my credit report and threatening me used profanity language, harassment and discrimination to let me know that she could see all my expenses and how I was using my cards and asked me for ab explanation of why I used that credit and refused to pay it back I said crying that my dad passed away and lost my job and I had XXXX XXXX she laugh at me They sent this account to another collection agency and they did the same they called me harassing me asking to get money from my mom and family members
Product: Mortgage

I applied for a 30 year military choice loan for Navy Federal Credit Union on XXXX. 

I was approved for a {$400000.00} loan at 3.7 % interest with 0 % pmi and 0 % down payment and 0 origination fees. I was in contact with the mortgage officer, XXXX XXXX, to discuss certain topics, this took place on XXXX and XXXX. I received the preapproval letter and started searching for homes. 

From XXXX to XXXX I was not in contact with XXXX XXXX. He did send me some emails asking how the search was going but I did not respond as there was nothing to update him with. 

I contacted him on XXXX to inform him that I put an offer on a house. XXXX informed me that since I was not in contact with him that my mortgage was withdrawn. There was no notice, no warning nor did he tell me that it was required to stay in contact with him to maintain the loan application. 

XXXX directed me to reapply for a new loan. I did and now it is at a 4.5 % interest rate, which is .8 % higher than the previous loan I had. As of now there is no recourse to reopen my previous application. 

My complaint is that NFCU did not inform me that constant communication was required, did not give me an expiration date for the mortgage, nor did they inform me that they withdrew the account. I believe it was done with bad intent as interest rates are rising and they wanted to have me reapply.
Product: Credit card

There are no fraudulent charges but my card was blocked. 

I called to verify my identity and gave them all my information and the correct cell phone and security word. 

They said that they have to send me a physical letter which can take XXXX  days or more to arrive and that my family and I can not use the card until then. 

I asked if I could go to a physical branch to prove my identity and they said no. 

I asked why this happened and they told me they can't provide me with the information. 

I asked what about all the auto payments and they said to find another way to pay. 

I called them several times and nobody was able to help me.
Product: Mortgage

In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.
Product: Mortgage

Due to losing my job we have had to apply for a customer workout to try and keep our home. 
Having never to go through this before, I filled out the paperwork and on the paperwork it indicated approximate and verified. I did not fill out the verified amount because I sent in all our bank statements. I thought the bank will verify the actual total. We were given a ridicously amount to payback, I spoke with their representitive XXXX ID XXXX and was told that is the amount we need to pay to keep our home. I asked how is it possible for a family of XXXX to live on {$500.00} left over a month. I said I can not even buy food for that amount. He said I did not list spending any money for food. I advised that I thought they would verify the amount from our bank statements and he said no. I said isnt that a little ridicously to believe that a family of XXXX would not spend money on food? He said no for all he knows we grow our own food. I said that is far fetched he said its my fault I did not feel out the verify amounts. I am furious that I have been calling and calling to give all information needed and have been trying to get this resolved to no avail. M and T received XXXX XXXX in tax bailout money and they will not help with an FHA loan.
Product: Debt collection

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( XXXX XXXX Acct # XXXX ). Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Checking or savings account

I have a XXXX XXXX  with Sofi. I have been trying for over a week to initiate a withdraw from this account. The tell me the withdraw is broken. They pass me from support agent to support agent and tell me I need to wait for the tech dept. to fix it. I've also been told that until this link is fixed there is nothing that can be done. Then they told me I could get a check issued and then told me to initiate I need to use the withdraw function, which does not work. 

This happened in early XXXX as well but last time they resolved it more quickly and I thought it really was just a temporary issue. They initiated the withdraw on their side. Now 2 months later the same link is " broken '' and now it is not possible to access my money.
Product: Vehicle loan or lease

XXXX XXXX XXXXXXXX - {$12000.00} owed after car was repossessed XXXX - XXXX - {$1000.00} after car was totaled settlement was made
Product: Credit reporting or other personal consumer reports

Lender : Citibank Card Account : XXXX CFPB : I been fighting this inaccuracy since XX/XX/year>, when I first got wind of the inaccurate reporting on my file. 
XXXX I called in and spoke to Customer Rep named, XXXX ID # : XXXX She transferred me to another rep named, XXXX ID # XXXX. She was extremely rude so I ended the call. 
>>>At this time I had a balance of {$110.00} > I called back to pay it in full on XX/XX/year>, XXXX When I called on XX/XX/year>, I spoke to Customer rep XXXX ID # XXXX about paying my balance. She forwarded to the collections dept. there I spoke to XXXX ID # XXXX. She had to transfer me over to another dept, > ( Recovery Dept ). 

Recovery Dept : Rep XXXX ID # XXXX She tried to force me to pay by mail which I wanted to pay over the phone. XXXX forwarded me to another rep, New rep is XXXX ID # XXXX. 
> She said she can take the payment over the phone., but transferred me another rep. 

> New rep named XXXX ID # XXXX So I paid it with him with my XXXX XXXXXXXX checking account ending with XXXX. 
So now the account is paid in full as it was closed back on XX/XX/year>. It has a {$0.00} balance. 
Time paid : XXXX Acct ending in : XXXX Confirmation # is : XXXX > I called back to dispute the inaccuracies and spoke to rep named, XXXX ID # XXXX. She told me to write a letter which I did on XX/XX/XXXX, XXXX. 

XXXX Again on XX/XX/year> I called in to dispute the inaccuracies. I was greeted by the rep XXXX ID # XXXX. 
She connected me to the correct. 
XXXX New rep, XXXX ID # XXXX He was very helpful. He said the payemt for the balance posted and their is a {$0.00} balance. He is also said he sees the huge discrepencies in the reporting and said he would do an internal dispute, that internal disputes are stronger than a customer dispute. So, he disputed the XXXX late payments. 

> Fast forwarding, those 3 late payments are still on my report and haunting me. Causing me to be denied. 

According to 15 US Code 1681i Responsibilities of furnishers of information to consumer reporting agencies. 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. 

I have a right to a fair and accurate credit report. ANd becuase of the problems I have been having for going on for 2 years with these inaccuracies, this account should be deleted. 

Matter : My XXXX, XXXX, and XXXX were ALL ON TIME payments. Then how is XXXX  120 days late, XXXX 150 days late and XXXX  150 days. How can that be? 

I look forward to a favorable outcome in this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit history and came across fraudulent transactions, please remove those accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax free ID Theft Service is of no use to me as I had problems months ago logging into my account. I have tried to reach out by email to Equifax but the email bounced back. My old email address was : XXXX ( closed this email account this month ). I would like to use the free service but was unable to see any data of myself in my Equifax report since I was locked out of report. I was told by Equifax that my information like millions of Americans was breached.
Product: Student loan

I have some very serious concerns about Nelnet 's payment posting process, and I have conducted some tests to ensure my concerns are valid. I have been scheduling payments to ensure the payment is made on a XXXX, trying to ensure the weekend is not included. Here is what happens : Once the payment begins the processing, which is usually mid-day, my bank account shows the payment has processed and the amount debited from my account by XXXX the next day. Nelnet still shows the payment as processing and interest continues to compute. As a rule, Nelnet does not post the payment until the following Monday, allowing for an additional two days of interest. I think this is done purposefully to charge additional interest. Based on all the complaints I have read about Nelnet, I believe regulators should review their billing and payment system. As an auditor, I know it is very easy to manipulate a billing system to ensure payments are, " held '' so accounts incur additional interest. Thank you.
Product: Vehicle loan or lease

I have a loan with Regional Acceptance Corporation, and XX/XX/2021 I reached out to them regarding the vehicle. The call was in regards to the car steering being out of order after a minor accident and was hoping to work out an extension on my payments to fix the car myself after the insurance company refused to pay for the repairs. They denied me any assistance to extend my payment and at that time I could not afford to fix the car and make the payments. The car had been towed to the local XXXX dealership by the insurance company and was unable to be driven. So I called the finance company and surrendered the vehicle I let them know the condition of the vehicle and I was told that they would be retrieving the vehicle I was told I would receive a call back regarding the car. After about a few weeks or so I called back after discovering they had not retrieved the vehicle from XXXX and I explained the situation once again I was told that the vehicle would be picked up and sold and the amount would be applied to my balance. months went by and I was contacted by the loan company regarding payment I informed her that I had surrendered the vehicle and inquired about the credit that was supposed to be applied due to them retrieving the vehicle and what was the process that I needed to take to set up a payment arrangement she was not able to assist me and no attempts were made by the loan company to communicate any decisions made regarding the vehicle at that time. 
I had not been called anymore afterwards regarding the surrend of the vehicle but would occasionally receive a bill from them and no other correspondence. Yesterday I got a call from XXXX regarding the vehicle still being in there lot from over a year ago. I contacted the finance company today XX/XX/XXXX regarding the account that they had sent into collections. I inquired as to why the vehicle had not been picked up or no why there was no communication regarding the change of plans to retrieve the vehicle. I spoke with XXXX and XXXX who stated that the company decided not to retrieve the vehicle due to the condition of the vehicle, and that they didnt have to retrieve it because the vehicle belonged to me but they would not be able to release the title to me unless I pay the XXXX balance in full because they owned the lien on it. They offered no options, and failed to communicate changes with my loan anytime during this process. I have been given the run around and contradicting information several times regarding the loan itself and I would like this to be resolved please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XXXX of 2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX  even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX  has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX  even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor CoXXXX points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Product: Credit card or prepaid card

XXXX has harassed me regarding their new XXXX credit card, they have been calling me every day to sell this new credit card which I have not been interested at all. At the same time, I had lost my access to my account on the XXXX website due to some glitches on the website and had not received any paper statement from XXXX either. I still do not know what was purchased on behalf of me and I am guessing some of them are not mine. The only choice had left for me was to apply for upgrading for a new credit card, but I was not interested at all. I went on a vacation outside the US and had not been able to pay my balance. Because of that, a late payment was reported to the credit bureaus and my credit score has dropped by more than 10 %. I have contacted them many times and asked them to review my case. At the beginning, they totally ignored me ; then, they said they reviewed it and decided that it was not their issue that there were some glitches in their system, I " should have found some way to pay my balance ''. But I could not see what I was paying for!!! They ignored me many times and gave me misleading advices as well. I have also attached three snapshots from the XXXX ' Credit Card website that shows the error messages I had received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they have already sent the request to the credit bureaus to delete the account. As of today, XX/XX/XXXX, Experian is still reporting the item. I would like for them to comply with the company and remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Trans Union. In a previous CFPB complaint against XXXX XXXX in regards to 30 days late was resolved by XXXX XXXX ( complaint number XXXX ). They agreed to amend the credit and submitted the request to the three major bureaus. Additionally XXXX XXXX sent me a letter indicating the same. XXXX & XXXX removed the 30 Day XXXX XXXX derog almost immediatly ... TransUnion is still showing 30 day late ... In fact they even show it as a duplicate. This is wreaking havoc on my personal credit for anything tied to Trans Union. I have credit monitoring and the TU score is nearly 50 point less as a result. My car insurance was affected now as a result.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a repeat issue - CFPB complaint # XXXX Original issue : Multiple times I have electronically disputed a debt with CAPITAL ACCOUNTS regarding An account they clam to be " Account XXXX '' The most recent attempts were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The last two I took the step of uploading the credit card statement where I payed the Dentist they represent in person. Yet they have not removed or ask for any more info ( Don't know what the info would be since the Dr 's name is listed and it is the amount owed + some late fees )
Product: Credit reporting or other personal consumer reports

Sallie Mae violated Federal law by violating 15 U.S. Code 6802 and 1681a. They did not give me a non disclosure options as required by federal law in 15 usc 6802. They also did finished transaction information on my consumer report that is excluded from my consumer report based on 15 usc 1681a ( 2 ) Exclusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX XXXX XXXXXXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

IC SYSTEM INC, ( XXXX XXXX ) DATE OPEN XX/XX/year> I DONT RECALL THIS DEBT THE AMOUNT OWED IS XXXX I ASKED FOR VALIDATION OF DEBT AND HAVE NOT RECEIVED ANYTHING AND WILL LIKE THIS TAKEN OFF MY REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you