23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a payday loan online. I had to provide my personal information, including my bank routing and account number. Then, I was approved for {$250.00} and given the terms of the loan. 

I was then prompted to enter my bank login credentials. I hesitated due to privacy reasons. Then, I reasoned that my credit had been pulled and I was approved, so I may as well continue. After entering my bank login credentials, another screen popped up and stated that my application was denied. 

I immediately became concern that this was a scam. I proceeded to change my password with my banking institution. I then called Check N Go 's 800 number. I spoke with XXXX ( XXXX ). XXXX informed me that he did not see my application online. He also said that the company doesn't work with certain banks. I asked for the legal department and he transferred me to a supervisor ( XXXX ). 

XXXX informed me that it was policy for customers to be verified that way. However, when I read the disclaimers online, there was no mention of this type of verification. I would have rather uploaded a bank statement. Also, I would not have proceeded with the transaction. I feel this was misleading and fraudulent. 

Finally, I received an alert from my credit monitoring system showing that there was a new inquiry from 'Checkngo/XXXX. '' This conflicted with the statement made by XXXX.
Product: Mortgage

I have been working with the servicer of my second mortgage since XX/XX/2016. They have requested the same documents over and over. I have submitted everything that they asked for with no results. I am not trying to avoid paying the debt. I just want some relief as far as the interest rate ; 9.375
Product: Student loan

Since XX/XX/XXXX I've been charged interest three times. 
My loans are subsidized and unsubsidized Federal Ed. 
I was allergic to this by my credit report that my loan amounts had changed. 
I'mconcerned that if I'm being charged so are other people without their knowledge. 


XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00}
Product: Debt collection

Today, XX/XX/2023, I received a call followed by a message ( Attached ) from a person called XXXX XXXX, who said there was a matter in his office that required my immediate attention and left his phone number and extension. I called him back, and he told me that I was in a recorded line and claimed that I had a XXXX  XXXX  back between XXXX ; I owed money to the card and had to pay a balance of {$5600.00}. He threatened to report the issue to the Credit Bureau and take me to court if I didn't pay. I asked him to send me all the XXXX XXXX documents, records, and transactions that prove his claims and his company 's claims. 

The documents I asked him to send me are : 1. Documents to prove the XXXX XXXX is mine. ( By the way, I don't have a XXXX XXXX ) 2. Documents to prove transactions with the amount he claimed and also show my signature. 

He sent me an email ( Attached ) without the required documents and transactions I asked him for.
Product: Mortgage

Predatory practices involving additional services such as unit owner insurance. They always sent a letter to advising that they will purchase a policy if I do not buy one. I am always forced to submit the information of a new policy even though my insurance company has the information of my mortgage holder and updates accordingly. Nationstar aka Mr. Copper is the worst. I never had this issue with the previous mortgage holder. They are the worst
Product: Student loan

Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
Employers : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/2020
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$140.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.
Product: Credit card or prepaid card

I am a bank account holder at Capital One for over 20 years. They made me an offer today, as if it were enticing, to transfer balances to them at an interest rate of more than 19 %. In any interest rate environment, that is criminal. Other credit card representatives are doing similar now. How is this not criminal??
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I have been experiencing multiple issues with my home mortgage loan application and processing. Loan officers would not respond to my e-mails, reps informing me that I would receive a phone call from a supervisor within 48 - 72 hours and never received a call back, etc. 
I have been working with XXXX XXXX 's team with horrible communication breakdown. 
I received a voicemail from XXXX on XXXX requesting a call back. I e-mailed XXXX reminding her that my preferred method of communication was e-mail. And if this matter had to be discussed over the phone. If it was a matter that had to involve a phone call, she could leave me a detailed message and I would respond via e-mail. I have not heard back from XXXX. I left a voicemail to her supervisor, XXXX and also an e-mail on Friday, XXXX. I have not heard back from XXXX on Friday, XXXX and I received another e-mail from XXXX  requesting additional documents including my home insurance documents. My home insurance company contacted me stating that he needed more information on order to submit what PNC was requesting. However, no one was responding and he could not submit the required document. 
XXXX finally contacted me on Tuesday, XXXX and stated that she never received my voicemail not my e-mail. While talking to XXXX, she never apologized for anything, had lack of sympathy, and appeared to be apathetic.
Product: Debt collection

I got a tub installed with XXXX sent numerous request emails, calls and faxes, begging them to come back and fix the pipe that is directly connected to the main line of the sewerage where sewerage bugs are continuing to come up from the tub. They gave me a discount on the tub due to the hot water heater was never installed as promised, but would never come back and complete the work I requested which was to fix the raw sewerage line where sewerage flies continue to come up from the drainage. I have emailed called, faxed and sent certified letters they advised that they would come and as of today 's date after waiting over a year no one has showed up and as of today 's date I have never received a response to my letters and faxes. I was then told that my account was in house so as soon as the work with the tub was completed I would pay XXXX as of today 's date after more than 50 calls, emailing their office and faxing them no one has showed up to fix anything. The tub does not have hot water and is not functional. It is a XXXX galloon water system that does not have the hot water installed also the flies are extremely disgusting. I am being billed for the amount of {$24.00}, XXXX for a tub that paperwork shows {$20000.00} billed one thing and paperwork says another. I can not pay for a tub that does not work. I am still waiting for them to fix it. I have asked them several times to fix the tub. They would act like someone will show up and then no one ever does. When I do call their company I keep either getting transferred or no one picks up it is extremely hard to get this company to repair their product or send anyone from their company to show up.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts listed as derogatory accounts on my credit report with you every single XXXX of those accounts were listed in the bankruptcy XXXX XXXX filed in XX/XX/year> they should not be separate. I am told by my attorney from the XXXX XXXX. Also, I am told that due to XXXX, it has been over XXXX years since my XXXX XXXX, and I can request that it be removed from my credit report because the filing had to do with XXXX and not being able to work. You also have several of my addresses and phone numbers wrong. I have no idea about living in those places I never lived there and I never possessed those phone numbers. I feel like this is impacting my credit score immensely and I have worked very hard for the last XXXX years to rebuild my credit, your attention to these issues would be greatly appreciated. I dont wan na have to take further steps. Its hard enough trying to get things right and stay on top of them. You also have me listed as an a.k.a. XXXX XXXX that is a credit card that my name has been misspelled. It has nothing to do with me. I dont go by nor have I ever gone by XXXX XXXX please remove that.. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted correction letter to Experian credit bureau to verify account. No confirmation of account and original contract was provided. And the accounts still remain and have not been fully validated.
Product: Debt collection

I have disputed with credit bureaus three times to remove without success. I have also reached out to AWA for removal and no success.
Product: Credit card

XXXX Credit card put a hold on my account XXXX weeks ago. Recently when I tried to use it it was denied. I called, emailed them and they requested documents which I provided and pictures of me holding my ID next to my face to confirm I'd. Then I reattached email
Product: Mortgage

In the past we had trouble paying mortgage and had remodified the mortgage several times paying fees that made no sense. 

On our last remodification our mortgage was sold to XXXX without notification or communication of any kind and the remodification was in the middle of the process. We struggled for months trying to do figure out what was happening and communicating with our new mortgage holder the process that we were in prior to the sale from Wells Fargo to XXXX. XXXX was minimal at best with Wells Fargo and they over all optics were that they sold it and didnt care about our process or finances. Things have leveled out and were on track with the new mortgage holder ( XXXX ) but the stress was intense at that time. I would love for someone to investigate unexplained/unexpected fees and determine if Wells Fargo XXXX XXXX nefarious in their process. I felt burned and it left a bad impression on their ways of business. Other friends have also picked up on their reputation and their business model and want nothing to do with them. XXXX glad I know longer have a mortgage with them but left feeling defrauded and uncertain about the money I was paying and being charged. 

Thanks for your time XXXX
Product: Credit reporting or other personal consumer reports

I notice when i reviewed my reports on my free credit report.com. I had inquires listed on my credit unauthorize by me. and this all started happing once it was blasted about a data breach my credit information starting to get leak and subscribe for things i have no clue and not done to this. I would like this to end this will affect my prefect score i have if this continues. so please remove all three of these unauthorized inquiries from my report XXXX XXXX XXXX  and XXXX XXXX  XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER 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 All Inquires need to be removed and this 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.
Product: Checking or savings account

Huntington bank put an XXXX hold on my account. I was told that I needed to go into a branch to remove and it couldnt be done over the phone. They helped me locate a branch and gave me the hours for today. Before even looking into it, the lady says, I dont think this department is in. 

She makes a call and then says, oh the person at the new center branch who put it on is the only person that can remove it. 

Ive wasted time, energy, gas, going around with no results and no removal. XXXXm getting annoyed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Once the fraudulent information has been removed. Please send me a copy of my corrected credit report. I look forward to hearing from you soon.
Product: Debt collection

I reviewed my credit reports ( XXXX, XXXX and XXXX ) on or around XX/XX/year> and saw that LVNV Funding LLC has reported a collections account to XXXX ( see attached XXXX entry ). I checked my XXXX credit report and didn't realize that they reported the account as " closed '' in XX/XX/year> ( see attached XXXX XXXX ). I have never received any letter or correspondence from LVNV Funding LLC as an attempt to collect a debt prior to them reporting the account to the credit reporting agencies. I did receive a correspondence from XXXX XXXX XXXX on or around XX/XX/year> ( see attached XXXX XXXX XXXX XXXX ) stating that they are collecting a debt that I owe to LVNV Funding LLC. The letter from XXXX XXXX XXXX was clearly sent AFTER LVNV Funding LLC reported the account to the credit reporting agencies. 

Therefore, I didn't get a chance to request validation of the debt or an opportunity to dispute the debt which are clear violations of my rights as a consumer.
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness program. My loan is serviced by XXXX XXXX XXXX ; all access is through their website XXXX. 

At the beginning of XX/XX/XXXX, I submitted my request to continue income driven repayments. To do this, I completed the survey on the website and completed the paperwork as it directed. I was not aware that what I submitted constituted a change in my repayment plan. 

After submission, I checked my repayment schedule and saw that the request had not been processed. After a phone call around XX/XX/XXXX, I was told that since it was a change in plan, I had not submitted the correct paperwork and needed to resubmit. This, despite filling out the paper the website directed me to complete. A new set of paperwork was completed and uploaded electronically. 

After another couple of weeks, my payment had not changed. It was now approaching XX/XX/XXXX. I called again, and was told that I had not marked a box on Page 4, that is required for changing plans. Again, I was not aware that changing plans was my request. Also, the form ( as I read it ) says to request a new payment amount. On the phone, I was told that this could be as low as {$5.00} ; no amounts are listed on the form. I asked for the {$5.00} amount on the phone, which was granted. Everything was now proceeding. My first payment of XX/XX/XXXX would be taken out of my bank account in XX/XX/XXXX ( fully six months into the new year ). 

On XX/XX/XXXX, I received notification that my request had expired and that my payment would now be the full amount and that paperwork had to be redone. Upon calling, I was informed that the {$5.00} payment had to be mailed ( in spite of everything being set up as autopay ), and since that didn't happen, everything was revoked. Once again, I had to request the payment to be delayed ( now until XX/XX/XXXX ) so that the paperwork can be completed again. 

The timetable for PSLF is sensitive, understandably. I have made every effort to make payments in 2018. The PHEAA has devised a plan to effectively delay my payments -- and my eventual completion of PSLF -- by 6+ months. In the mean time, interest continues to accrue on my loans, making my indebtedness greater. 

Each time I call, I am given new and different information by the operator -- being to ask for a later payment on-line, being able to request a payment as low as {$5.00}, etc. PHEAA staff act as though they are allowed to only share one piece of information per call. Each time, you believe you are finally being given the " correct '' information ; each operator says as much with " I'm sorry sir, I don't know who told you that, but this is what you need to do. '' And each time, something is still wrong, incomplete, or incorrect with the information being given.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went into Jared 's Galleria of Jewelry, and was interested in purchasing something. During this visit, the salesperson wanted to run a credit check to make sure I would be eligible for financing. They told me that they would run a soft pull of my credit just to see if I qualified for financing. At no point did they mention a line of store credit, or tell me that I would receive a card. 

A couple weeks later, I receive a card from Jared in the mail, that I never activated. I then got a notification from my Credit company that another credit account was opened for me with a XXXX balance. I called the Company and they claimed I should have been told about line of credit, but I was not. They also falso claimed that if I don't use the credit card within 60 days or so, it would automatically closed. Which I confirmed with the bank that issues the cards, that it wouldn't be going anywhere unless I cancelled it. I got a hold of the card issuer and they cancelled the card for me immediately, noting that it was an unsolicited line of credit. I just want to make it known this company is pushing this line of credit on their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to XXXX, XXXX and TransUnion in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.