23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was paid to XXXX and i was given conformation # XXXX. I want this removed from my credit report immediately. XXXX used hidden fees and charged me even without a contract.
Product: Student loan

As of right now, I have reached out letting AES/Pheaa know when a payment will be made. I have given them a Cease and Desist order which they continue to violate despite all my efforts at communicating back and forth with them and even scheduling payments. Going forward, a {$5.00} fee will be added for notifications that I receive that are out of spite and not in good faith. When AES/PHEAA sends an email every single day about the same past due verbiage even when the borrower already contacted the servicer letting them know when the payment will be made, it is my right to add inconvenience fees to be immediately deducted from the loan balance, or in part, AES will be charged these inconvenience fees. I may have agreed to be contacted about delinquency, but I definitely did not agree to the way they are reaching out and handling it. Any person who works for this company is turned into a zombie and made to abide by a system that is only out to profit as much as possible from the people who really matter in this world ( the people who actually work hard to get what they are paying ). The people who work in this company are clear and present liars. The fees still stand and AES owes them. AES owes me {$10.00} so far for repeated notifications that have wasted my time in the process even after I was diligent enough to send them emails letting them know when a payment would be made. What I'm confused about is why they even bother with allowing people to send them correspondence if they just continue to send the same garbage emails about delinquency after people had already contacted them about when a payment would be made. 

Check out this article where Senators are claiming that the CEO lied under oath. I'm going to send this to everyone I know. 

https : XXXX " XXXX then asked if the Education Department has ever penalized XXXX  for mismanagement, and XXXX said it had not. '' " But XXXX Department reviews suggested the contrary. XXXX and XXXX cited nine reviews since 2016 that revealed problems with the servicer 's implementation of XXXX, resulting in four corrective action plans and two fines, each more than {$100000.00}. '' Now how on Earth could this company expect its borrowers to have any trust whatsoever in this company with facts like the above? XXXX XXXX is eating too many Eclairs and counting his own dimes more so than protecting the interest of the borrowers. I'm going to write to XXXX XXXX and XXXX XXXX and explain to them my situation above. AES is coming closer and closer to forfeiture as a result of bad business and questionable behavior. There's also a matter of ethics that come into play.
Product: Student loan

I reached out to Nelnet on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). We were behind on our bill and the call started letting me know that I was a month going on XXXX months late. This is for my student loan, which is not federally backed. 

I requested an economic hardship deferral. Immediately I met with let 's get you on an income repayment plan. I explained that my wife had been in a terrible car accident. The rep. still wanted me to do a reduced payment plan. 

I then explained more of the story about the accident and our current circumstances. 

On XXXX XXXX XXXX my wife was in a tragic car accident and was airlifted to a medical center in XXXX XXXX Her car rolled over her breaking all of her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her surgeries were successful, and she is currently in inpatient rehab in XXXX XXXX 

However, we went through a period where we lost my wife 's income ; she was the primary provider for our household. We are currently swamped with medical bills and trying to make ends meet with XXXX of her income and my adjunct teaching salary of about {$440.00} a month. I am working as hard as possible to obtain gainful full-time employment. I am requesting a deferment/forbearance of this loan until we change our current emergency mode financial situation. 

Then she asked me about my employment. I told her that I was employed at XXXX XXXX XXXX as an adjunct instructor and made {$440.00} ( ish ) a month. She asked if I had tried to get employment... .full-time. I explained that I have submitted numerous applications over the past few months and am still looking for full-time employment. 

She finally stated that we qualify for the deferment but that there are needed documents. I asked for clarification. She mentioned my XXXX pay stub. I asked about what was needed for my wife 's accident. She didn't let me know what document was needed. I sarcastically asked if I need to show a video of my wife in the hospital without the use of her legs. She said sure, that will work. 

I asked how to submit the documents and was not given this information. 

I pivoted to ask about the payoff and if my family could contribute to help. She was more than willing to talk about this part of the process with me. 

This is unacceptable! We are in need and have a legitimate life crisis, and all Nelnet cares about is their money. This reminds me of the illegal tactics that XXXX XXXX was busted for a few years back. 

After the call ended, I went online and emailed support. I don't have an answer yet but the process is still very much... .you need to pay. We can not, at least not right now. 

This process during a trial like we are going through adds to the hurt and pain. Please help us!
Product: Credit reporting or other personal consumer reports

I found reported XXXX XXXX services a late of 30 days in my credit report with XXXX, I submitted a certified letter with usps ( with a return address that are posted on my credit report ), I was asking for my signature provided to the company, as this is not my account with XXXX. Got back a email from them that they received my request but will not do nothing about it.
Product: Mortgage

We have a loan through XXXX lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that XXXX lending services has sold our loan and we would be making payments to Lakeview Loan Servicing , LLC on the XXXX of XXXX. On XXXX XXXX our mortgage was withdrawn by XXXX lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out XXXX, This made no sense to me because the agent could see the XXXX payment on her computer screen this was evident by her statement, " ok i see the payment on the XXXX and the XXXX '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. After that i called XXXX XXXX about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. It would be XXXX thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out XXXX in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help. 

When i spoke with XXXX today they said it was a glitch with Lakeview loan servicing llc computer.
Product: Credit reporting or other personal consumer reports

Discover CARD reporting late payment XX/XX/2020. This payment was not late to due COVID-19 Shelter in place order. I made arrangements with DISCOVER about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
Product: Debt collection

JP Recovery Services contacted my XXXX XXXX XXXX in laws my husbands employer my XXXX sister and my daughter regarding a debt with a local hospital that I had a payment plan with - their unethical practices including telling my I laws and my husband employer that they were going to show up with documents - when I tried to contact them they refused to give their company name and at a second attempt I was put on hold and then sent to voice mail
Product: Mortgage

These are the mortgage loan servicers who has serviced a set of fraudulent loans on my house : XXXX XXXX XXXX , XXXX, Ditech Financial LLC, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX and Experian for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

This is the private portion of my student loans to attend XXXX College in XX/XX/XXXX. There is XXXX issues with this so called debt. First I have never been able to get a job due to the lack of the proper training. This is the same reason that XXXX College was shut down. I disputed this debt with new collection company in XX/XX/XXXX. Under the Fair Credit Reporting Act they are required to send me the original contract. Instead of sending the original contract they sent me a contract with no signatures, the wrong address, and a lot of other missing info. 
The second reason I do n't feel I owe this debt is in XX/XX/XXXX I XXXX. All my federal student loans have been dismissed by the government and this loan should follow suit, but typical of a greedy corporation they want me to pay for a bogus degree that I ca n't even get a job with.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since being a customer with Regions for the past 14 years I have been charged an excessive amount of NSF fees based on an unfair methodology used to calculate said fees. The method used by Regions to calculate their NSF fees is unfair. The most recent situation has allowed for Regions to charge me three ( 3 ) NSF fees on a positive balance of {$28.00}, as shown in my online banking.
Product: Debt collection

Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX This debt is 5 years old and just recently I was contacted about it. I offered to pay it off if the company would agree to removing the records from the credit bureaus. 
The company said that they would mark the account paid but would not remove the negative information from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY XXXX  XXXX XXXX XXXX ACCOUNT ACCOUNT NUMBER XXXX THERE WAS A PAYMENT MADE ON THIS ACCOUNT IN THE MONTH OF XXXX OF 2015 THE CAR WAS AUCTION OFF FOR THE AMOUNT OF {$4800.00} SO THERE SHOULD OF BEEN A PAYMENT MADE TO THIS ACCOUNT SHOWING LAST PAYMENT MADE WAS XXXX OF 2015 NOT XXXX OF 2015 XXXX  XXXX XXXX XXXX SEND ME THE PAPERWORK TO SHOW THAT THERE WAS A PAYMENT MADE ON THIS ACCOUNT CAN YOU PLEASE UPDATE THIS ACCOUNT SHOWING PAYMENT MADE FOR THE MONTH OF XXXX IT SHOWS NEG I GAVE THE CAR BACK AS VOLUNTARY SURRENDER SO IT SHOULD NOT BE SHOWING ANY NEGATIVE .FOR THAT MONTH. ON MY PERSONAL INFORMATION MY NAME IS XXXX XXXX OR XXXX XXXX  XXXX  THE NAME THAT IS LISTED ON MY CREDIT FILE XXXX XXXX  IS NOT MY NAME CAN YOU PLEASE REMOVE IF NOT PLEASE GIVE ME A REASON WHY. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX MY PREVIEW ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN YOU PLEASE REMOVE THE PO B OX ADDRESS XXXX XXXX VIRGINIA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Product: Debt collection

My account with XXXX XXXX was given to XXXX & XXXX Acquisitions the company transferred the file to Atlantic Recovery Solutions, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. Atlantic Recovery Solutions threaten on several occasions to take legal actions. So I have filed a complaint with XXXX over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was XXXX XXXX times during the time in which I had the account.
Product: Money transfer, virtual currency, or money service

I applied for a personal loan to purchase a boat. The " finance company '' called me and sent me a contract for the loan. Part of the verification process was to have them verify my bank by making 4 deposits which they then requested i send back to them. I proceeded to do so, but it was a scam. the deposits they made to my USAA account were quickly reversed on top of the debits from the payments i sent to them. USAA has said they will not offer any type of assistance in disputing the charge and then locked my bank account restricting access to my other accounts. I reported the scam to USAA immediately, and the fraud department advised me that they are already familiar with the exact name of the company conducting the scam ( XXXX ) and they are well-aware of what took place. They wont help me at all.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and Capital One Bank ( USA ) National Association is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

XXXX XXXX XXXX XXXX XXXX, has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Product: Credit card or prepaid card

Two years ago on XX/XX/XXXX I went to Home Depot here in XXXX, the XXXX store looking to purchase flooring. Although it was XXXX XXXX this item was not a XXXX XXXX sake item. It was a regular purchase with a 24 month deferred interest promotion that Home Depot has fraudulently scammed with Citibank to automatically add to your account without asking If you want it and without your knowledge or consent on purchases over {$200.00}. Even if you decline in lieu of a 10 % discount Citibank and Home Depot add  it without you consent. 

I found the flooring I wanted, the sales person 's name was XXXX. ( I have the original paperwork and sales receipt ). They had a 24 month deferred interest promotion. I told the salesperson I did not want the promotion in case it couldn't be paid off in 24 months instead I asked for a 10 % off discount. XXXX called Citibank while in my presence and was told it had to be done at the time the purchase was rang up. XXXX then called the person who was the store manager at the time and was told to give me the discount and gave her instructions, she said to ring the purchase up. We went to the front of the store to customer service and she rang the sale up herself and I was assured the promotion would not be applied. 

I have been making payments on my account for two years thinking I was paying the interest along with the purchase month to month only to find out two days ago on XX/XX/XXXX. I received my new statement Saturday XX/XX/XXXX due XX/XX/XXXX. Two years back interest has been applied along with additional over the limit fees in the amount of {$1100.00}. ( statement attached ) I called Citibank Monday, XX/XX/XXXX and was told too bad the promotion was applied anyway without my knowledge or consent and you have to pay off $ 2100+ for the flooring before the interest and any other fees are removed. They said to call the store it was suppose to be taken off at the time of sale which I thought it was and the store us responsible. 

I called the store XX/XX/XXXX and spoke with the Store Manager, XXXX, and took her a copy of the original purchase documents ( attached ) I was told Home Depot had no control over the promotions they belong to Citibank although I was given the discount in lieu of the promotion by Home Depot and it was their responsibility to make sure the promotion was not added to my account at the time of sale. This is a scam Home Depot and Citibank run on their customers to obtain more money for the additional fees and interest on interest can be applied. When researching there are hundreds of lawsuits filed against Home Depot and Citibank for this type of deceptive trade practices.
Product: Mortgage

XX/XX/XXXX, we were having trouble paying our mortgage. Now please keep in mind that we purchased this house XX/XX/XXXX for {$88000.00} with XXXX for 15 years. Our mortgage was sold and we had to refinance several times sometimes XXXX time putting down {$30000.00} to get to a payment we needed when I received an inheritence. Long story short it is now XX/XX/XXXX and we owe {$93000.00} on the house for 30 years and are again refinancing after finding out that our current lender whom stated our loan was a 15 year fixed loan in XX/XX/XXXX lied. It is currently at 48 years which would make us XXXX years old when we paid off the house that we started paying off when we were XXXX years old. we did a remodification which was intended to help us, but it did not, we have made our payments timely and our loan keeps being extended and we do n't understand. we are now going through XXXX XXXX Harp program to get back on track for another 15 years, but we have been paying consequitively since XX/XX/XXXX and owe more now than ever. Something is not right. I have gotten the run around from XXXX and Seterus whom I 've now said over {$20000.00} in two years and my principal is more now than when we started without missing a payment. Please help us. I am on XXXX, my husband and I are separted but he is required to pay on the home as it 's in both our names. we would just like restitution as we have now paid for the house 3 times over and now are restarting over for another 15 years as the modification Seterus did, DID not benefit us whatsoever. Any help or assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX