23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir I purchased my home in XXXX XXXX CA. in XX/XX/2015 XX/XX/XXXX after making my mortgage payment I signed up with Nationwide after being told I would be paying my house off much sooner and even reducing the interest on my loan. I was told that my only cost would be {$3.00} after each debit payment. 
After signing on with Nationwide I received some information however did NOT receive a copy of our agreement. 
XX/XX/XXXX I received an e-mail from Nationwide stating that they were being force out of business, and would no longer be making my bank payments after XX/XX/XXXX. At this time I have an excess of {$700.00} that had been withdrawn from my bank account. 
I called Nationwide this morning and after over an hour of waiting I was finally able to talk with a real person. 
I was told that I would not be receiving a refund that my {$700.00} was a Setup fee. 
I ask the lady that I spoke with to send me a copy of our agreement, since I had never received one, which she did comply with. 
Even though I was told that my only costs were the {$3.00} bi-weekly fees associated with the bi-weekly withdraws from my account. 
As you can see from the agreement that was sent to me this morning, there is a Setup fee which for me is {$700.00}. 
It also shows that no moneys extra will be paid to my principal balance. 
Now tell me, why would anyone ever agree to this? 
I am hoping that you will be able to help me or at least help me contact someone who can. 
I am XXXX years old and can not afford to lose this money.
Product: Debt collection

Received call on cell phone about a non-existent debt. Phone is registered on federal Do Not Call list. Message sounded like a scam. There was NO phone message other than a claimed debt which was NOT described. The number appears to be identified on XXXX XXXX XXXX AND XXXX as a SCAM. TSC is identified as the entity originating the call. NO documents have been received or referred to.
Product: Checking or savings account

My long term bank, the USAA Federal Savings Bank, is requiring that I answer a number of questions of a personal financial nature before they will allow me access to my accounts. They are effectively locking me out of my accounts preventing from all functions. How can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in XXXX shows as XXXX then in Experian it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to XXXX and Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Checking or savings account

I deposited all the money I have in the world into a Wells Fargo ATM on Wednesday XX/XX/XXXX, around XXXX XXXX, with whom I have a checking account. The machine jammed, took all my money ( {$1700.00} ), and, once I submitted a claim, told me it would take 1-10 business days to resolve the " dispute. '' I explained that I am away from home, on vacation, renting hotel rooms, and driving a rental car. I am at risk of ending up on the streets, XXXX, if they don't resolve this by the end of today ( XXXX  XX/XX/XXXX ). 

I have a doctor 's appointment today I can not now make. I am out of all my prescriptions, which I can not refill. I am suffering an emergency health crisis, having recently been released from a XXXX, where I stayed for a month due to XXXX XXXXXXXX XXXX. 

Wells Fargo has taken everything from me, and does not seem to care that I am going through XXXX because of them. 

If something bad were to happen to me while I wait for them to give me my money, Wells Fargo would be liable. 

I hope it doesn't come to that.
Product: Credit reporting or other personal consumer reports

Trans Union continues to violate my comsumer rights by deleting and account off my credit file then the next time re insert the same information on my credit file witout my permission accoriding to FCRA section 605B it is illegal but they continue to violate my rights that i have proof they have done so in my letters and documents down below.
Product: Debt collection

On XX/XX/XXXX or about I received an alert on my credit report about outstanding balances with XXXXXXXX XXXX XXXX first amount was with XXXX XXXX XXXX XXXX  amount was removed after I submitted evidence that I was not the responsible party also received a letter from the company. Second amount was with another Collection Agency Online Information Services for XXXX .I sent two letters last of which one was certified mail on XX/XX/XXXX. I also sent letters to the hospital with no response. On my XXXX Credit report all amounts were taken off one amount for appx. XXXX was added and taken off. After I disputed the debt with documentation to XXXX   they no longer report inaccurate information with Online Information. I've made countless calls to Online Infomation Services and discussed the issues with the Incorrect reporting Last call was on XX/XX/XXXX when I received a call at my home after on XX/XX/XXXX I discussed that I would continue to dispute this matter and it was a clear violation of the fair credit reporting act there was no reason to call me again. After I made it clear I would be disputing this matter seemed like retaliation or intimination tactic given such a short time frame since we discussed the matter. I also asked them not to continue calling and got the Managers name who handles the accounts.I 've received double bills for the same service at XXXX XXXXXXXX XXXX XXXX XXXX XXXX customer service advised me they were the sole providers for the XXXX  portion of my son 's bill at XXXX XXXX  XXXX Insurance paid XXXX I owed XXXX   XXXX XXXX  sent another bill for the same service charged excess of XXXX I paid the Doctor that performed the XXXX   directly billed XXXX. An Agent or Physician with XXXX XXXX   XXXX.I questioned this bill with the Bill Service manager also discussed the XXXX room rate and the M/S charge for XXXX She simply stated that was the bill " Let me know when you find something out '' .I filed a dispute with XXXX  with the same information they verified it as accurate on XX/XX/XXXX. Given the Inconsistant balances taken a item on and off report by this firm. XXXX and XXXX failing to answer questions about the double billing practice with the Hospital, Physician and XXXX. Failing to return countless phone calls or return letters from the Hospital. I stongly believe this debt to be unlawful and the Validity and Integrity is in Question. Please help me with this matter I feel it is unlawful business and does not reflect consumer reporting practices. Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Servis One inc improperly and inaccurately reporting late payment information to my credit bureau, violating RESPA and resulting in damages. I am filing a lawsuit against them. I encourage all others who have had this happen to them to do the same. If they have done something similar to you please contact me.
Product: Credit reporting or other personal consumer reports

Im devastated Equifax took XXXX credit score points for me paying off a bill and for a credit inquiry being deleted. I want my points back that i worked hard for im starting to feel this is a cultural racisit situation. all my life this credit company has been lowering my report for no reason. and being a XXXX XXXX survivor over the last 2 months has been hard. but i have maintained my credit only to be abused by Equifax for no reason. I have attached the proff please restore my XXXX points i did no wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted an item off of my credit but then did violation of removing then adding the account back as a New account. Which is false. Hopefully this doesn't happen to no one else with Equifax trying to take advantage innocent people. Thank you for read and helping me resolve this matter. The proof is in upload session.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Product: Vehicle loan or lease

Hello, I am writing regarding an old item that is reporting on my credit report. 
It is with GM Financial, in todays environment the auto industry is sparse in selection along with inflation stock shortages it is almost impossible to get a reasonable price or loan. Having items on my report that are working against me is creating unhealthy stress. 
I understand that information may be reporting correctly, but quite honestly this is a jail sentence. I am in credit jail! XXXX has made matters much worse and I am handcuffed when I could be reasonably providing for my XXXX kids. 

I am requesting that at the discretion of GM Financial that they choose to no longer report to the XXXX credit reporting agencies and remove any existing information from my report. 

It is with great appreciation that I ask this. This account is so old and I understand the law but I also understand that GM DOES have the option to opt out of continuing to report.
Product: Student loan

I have had THE most worst problem trying have the loan people help figure out how to work out something REASONABLE for my situation and in the meantime the interest rates have way, way more than quadrupled my original student loan and also in the meantime i had medical issues that prevented me from being able to work for quite some time and had to move as well. These issues were overwhelming enough without the student loan matter. I just felt I was going around in circles with the {$5.00} over a 6 or 9 month period of time where the interest, as you already know, was still compounding ... ... Please, please is there anything or anyone that can help me???? I have been so afraid to even open my mail when I see who it is from and I do know that does not help matters one single bit. I am just so miserably, miserably scared and overwhelmed with this!!! This has been weighing so so heavily on my shoulders since 2010. AND on top of it, i didn't know that there were not only one BUT two lenders  involved in this : NELNET and XXXX XXXX. I am not stupid but in my opinion, i feel the way the whole student loan process is worked is just a bit shady.
Product: Student loan

Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.
Product: Checking or savings account

Payment submitted to XXXX XXXX XXXX XXXX i/a/o {$72.00} via CapitalOne Bank bill pay system was returned by them for stop payment. I paid XXXX with a credit card to avoid water being turned off. I filed a claim with COB for reimbursement, they denied the claim, I made at least 4 phone calls to their customer service people and claims group and was told on XX/XX/23 that they would place a stop payment on Ck # XXXX ( issued by their bill pay vendor ) and credit my account. I followed up with a phone call on XX/XX/XXXX and was told that the claim had again been denied. I sent an email on XX/XX/23 to both customer service and claims requesting payment, received no response and resent that email on XX/XX/23, again with no response. COB owes me that money and because they are unresponsive, I am submitting this complaint. I am a 20+ year customer of COB and a former employee as well. I've been using their bill pay system for more than 5 years and never had an issue until they changed it in XX/XX/2023. This payment had been going to XXXX with no issues until they changed their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a result I am the victim of identity theft. XXXX XXXX XXXX is helping with this matter. Unfortunately XXXX XXXX XXXX isn't able to see my personal information. I see there is information on these reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic I was laid off from my job and unfortunately went through a financial crisis. Thankfully XXXX was able to help pay my rent while I was able to get another job. The XXXX checks took weeks to arrive and my although my leasing office accepted to take the XXXX payments and signed an agreement not to evict me they still processed an eviction due to the checks being late. A few days before being evicted the leasing office recieved the checks from XXXX of {$4100.00} and I paid {$1900.00} of literally fees that had accumulated while waiting for the checks. They refused to stop the eviction process as it was already approved with the courthouse which is fine but they never updated that the account was paid off in full and I have reached out multiple times with proof of payment. This being incorrectly on my report is causing major credit issues. Ive disputed multiple times and nothing has happened. They need to remove it from my credit history as its been paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, reported, and used. While the FCRA does not specifically address inaccurate charge-offs, it provides certain protections and procedures that can be relevant when disputing inaccurate information, including charge-offs, on your credit report. Here are some key provisions of the FCRA that may apply : XXXX. Accuracy of Information ( Section 607 ) : Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. If you believe that the charge-off information reported on your credit file is inaccurate, you have the right to dispute it with the CRAs. 

XXXX. Investigation of Disputed Information ( Section 611 ) : When you dispute inaccurate information on your credit report, the CRAs must conduct a reasonable investigation into the matter. They are required to contact the creditor that provided the information and request verification or correction. The investigation should be completed within 30 days, although there are exceptions for certain circumstances. 

XXXX. Reinvestigation of Disputed Information ( Section 611 ) : If you are dissatisfied with the outcome of the initial investigation or if the inaccurate charge-off information reappears on your credit report, you have the right to request a reinvestigation. The CRAs must conduct another reasonable investigation and provide you with a written response within 30 days. 

XXXX. Obligation to Correct or Delete Inaccurate Information ( Section 611 ) : If the CRAs find that the reported charge-off information is inaccurate or can not be verified, they must promptly correct or delete it from your credit report. They are also required to provide you with a free copy of your credit report reflecting the changes. 

It's important to note that while the FCRA outlines these rights and procedures, it does not guarantee that inaccurate charge-offs will be removed from your credit report. The outcome of a dispute depends on the results of the investigation and the accuracy of the information reported by the creditor. It may be helpful to gather supporting documentation and evidence to strengthen your case when disputing inaccurate charge-off information.

If you encounter challenges in resolving the issue through the credit reporting agencies, you may consider consulting with a consumer law attorney or contacting the Consumer Financial Protection Bureau ( CFPB ) for further guidance and assistance in asserting your rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and TransUnion continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, TransUnion, and XXXX with my dispute. XXXX was contacted in XX/XX/XXXX and XX/XX/XXXX. TransUnion was contacted in XX/XX/XXXX and XX/XX/XXXX. XXXX and TransUnion state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from XXXX, TransUnion, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX and TransUnion credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX was discharged.
Product: Debt collection

I have been trying to get more information regarding my credit card with Macy. I noticed that after months of payments where I was paying well above the minimum balance my debt was not decreasing. I contacted Macy to get proof of payments or a chart with my payment history. They did not comply, So i followed up once more and got the run around with them so i stopped paying the card in XX/XX/2019. They began to charge me late fees and have closed the account. I attached proof of my payments here to show the dollar amount that I was paying. Something they refused to present to me. I have no issues paying my debt, but I felt I was being taken advantage of by Macy 's here. I've attached statements from my bank account showing over {$1100.00} of payments that I made. The only reason I stopped paying was due to the lack of communication I got from them as they could show me where my payments were going, and I felt I was being taken advantage of..
Product: Debt collection

I pulled a copy of my credit report on XX/XX/2023, and the alleged debts are not listed on my credit reports. This company is trying to collect a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX