23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid my loan balance in full on XX/XX/23 and inadvertently sent 2 extra payments from my bank. AES stated that refund checks were mailed, but I have not received in over 30 days.
Product: Checking or savings account

Company responded back with why funds were on hold and requested documentation. Please forward info and documentation to XXXX XXXX before closing the case as the case is sti not resolved. Thank you.
Product: Mortgage

Morning, XXXX XXXX sold our account to Selene Finance, the worst company we have ever dealt with. Long story short, we were behind XXXX payments, called to pay and they wanted XXXX payments even though next month not due yet. This went on, we had {$9000.00} dollars to give, they refused, house went to pre-forclosure, had to file bankruptcy XXXX to keep house. NOW they have a memo when we sign into our account that our payment has increased by {$100.00} with no explanation!! It just went up XX/XX/2023! We will NO LONGER deal or contact them as right hand doesn't know what left hand doing, plus they refuse to put a supervisor on the line. MANY, MANY complaints on XXXX and their website. Please help, we are strapped and now attorney needs to redo our payment plan, we just can't do it!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an XXXX XXXX charge of {$24.00} on my XX/XX/XXXX XXXX XXXX credit card bill for account # XXXX that neither I nor XXXX could find support for. I disputed the charge as fraudulent. XXXX   never credited the {$24.00} charge. Moreover, XXXX added several months of {$27.00} late fees, bringing my total account balance to over {$100.00}, and then placed my account for collection with Citi-Bank. When I contacted Citi-Bank to explain my fraud dispute, Citi-Bank immediately stopped collection action. I phoned XXXX Credit Department numerous times and sent them at least two certified letters. XXXX later closed my account in XX/XX/XXXX, as I recall, but reported this as an Adverse Account to XXXX and a negative account to both XXXX  and XXXX I recently discovered that this is still on all three credit bureau reports. Today, a XXXX Credit Department representative acknowledged that XXXX documentation on my account shows there was a fraud problem. However, the representative said that as this is an old account, XXXX will need to do further research to resolve it. 

It appears that XXXX Credit Department personnel didnt think they needed to correct XXXX negative reports to the three credit bureaus regarding my XXXX charge account # XXXX because they had closed my account. However, this left a problem transaction on my credit record and lowered my credit score, even though the transaction was related to a fraud and was not my fault. As of XX/XX/XXXX, this problem has not been resolved.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : KIMBALL TIREY & ST J Account Number : XXXX Date : XX/XX/2017 Amount : {$6700.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have/had a loan with Rushmore Management and they sold out/transferred the loan to Rushmore Servicing. I was sent an email stating XXXX XXXX was taking over the loan and my loan would be transferred in several days. Once the loan was was transferred, I could make a payment. I was told I would have 30 days to make the payment. I tried within 5 days, but their website was having issues. After a week, I was able to make the payment, well within the 30 days given.

I received my next statement from Rushmore Servicing stating there was a late fee and that my payment had gone from {$350.00} to {$570.00}. I called the toll free number only to reach a person I could not understand. I asked for a supervisor and got a person named XXXX XXXX 
I told her my payment was not late and that I had always paid {$350.00} and could not afford the new jacked up rate of {$570.00}. She stated she would look into it and call me back. I never heard back. I called again and spoke with XXXX, who apologized and said she should have called me back with an answer. I again told her that I could not pay the new rate of {$570.00} and this would have to be adjusted. Again, XXXX told me she understood and would look into the matter and get back to me. That was 2 weeks ago. 
You can not speak with anyone from the United States and they do not return their calls. 
I got a new statement from Rushmore Servicing stating my minimum payment was to be {$460.00}, which I can not pay that amount either. 
I feel this company is shaking me down, charging me fees it should not, and being underhanded with how they do business. 
I need for someone or a company or government agency to look into their practices and help me sort this abuse out.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with California Business Bureau ; they have not provided me with any services that require them to report on my credit report. They have not provided me with the original contract, as requested. On XX/XX/year>, XXXX XXXX from California Business Bureau contacted me via phone. I responded and asked for an initial communication. XXXX XXXX failed to send me any information about this debt and did not afford me the opportunity to dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) before reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX **** XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Student loan

XXXX is the company and i did get accepted for a lower -payment option setup. But, the problem I have is that going through a Student Loan Foregiveness program from this website - XXXX XXXX   XXXX - this was determined from this information about XXXX being a bad group to have do loans and repayment options correctly. This Relief Program is from a company called Premier Student Loan Center and stated to me about my loans getting to a point from where the lower payment option i agreed upon would be paying pretty close to double the amount to Navient when i'm all paid off. They gave me numbers that seemed reasonable, but i'm unsure if they aren't a scam or if they are a legit company but i thought i'd bring it up to you guys since they are using information that seems to be the same kind of information that you guys provide for people going through these hardships of loan repayment situations. They also stated that they would need {$20.00} fee annually for this process of agreement plus 5 months of {$230.00} for getting this allowance approved. Lastly the amount determined for my repayment plan was {$100.00} for 235 months - I'm just more confused if what they told me was something that is even allowed for a company to deal with from XXXX and i thought XXXX was worth trusting, but i'm unsure now after being told from this Forgiveness Program. I'd just like to know what's my best option and who i need to trust.
Product: Vehicle loan or lease

My car was impounded XX/XX/year>24 for a lapse in my insurance. In order to retrieve my vehicle I needed the original title in my name. I called to request it and they said I had to get it from the dmv. Talked to the dmv and they said chase was still on the title so I had to go to them. That was XXXX weeks gone. Called again and l was told it would be sent to me. Waited still nothing all while being charged daily for my car to be at the junkyard. {$25.00} a day with the threat of them selling it. XX/XX/XXXX I called again and explained the urgency since it was now costing unnecessary money. The woman said she would ask to expedite it to the dmv and chases part would take about 10 days. After 10 days I wait A couple extra to call and when I do, they had me talk to someone who was a XXXX. He then told me they take at least 45 days and also rudely said it was not their fault my car was towed. 
I asked why it takes so long and he said its important to make sure all the info is put on there correctly. Nothing came after 45 days. When I received It it wasnt any different it was the original title with their name on it and just filled it out and then I had To go to the dmv and get the title which was issued XX/XX/year>. I had to pay the tow yard {$4300.00} to get my car back. I should have already received my title 2 years ago when I paid off the car in full
Product: Credit reporting or other personal consumer reports

XXXX Account # : XXXX XXXX BANK XXXX Account # : XXXX XXXX AND XXXX Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX
Product: Credit reporting or other personal consumer reports

I realized this is on my credit report and this is not mine, never had this card before please help deleting XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Continental Finance Company several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. Continental Finance Company acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at Continental Finance Company since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to Continental Finance asking that the XXXXXXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and XXXX are showing this account as late, when it has never been late. I have also contacted XXXX and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agency
Product: Debt collection

Northeast Credit Collect listed pase ID Theft accounts on my credit files, They 've split one bill into XXXX and made XXXX separate entries on my credit report. I 've spoken to the original creditor of the XXXX debt, they told me the account should be listed as one account and that they will never sell the debt and that should contact XXXX is in charge of collecting the debt. Since that 's the case it means XXXX gave permission to Northwest Collections & Credit who account no. XXXX from XXXX XXXX XXXX on place on my credit file on XXXX XXXX. XXXX other companies also reported the accounts in the same 30 day period are - & gt ; XXXX/XXXX/2015 XXXX, XXXX/XXXX/2015 Commonwealth Financial, XXXX/XXXX/2015 North East Credit & Collect..Theres no way all XXXX companies can have the legal right to pursue collections at the same time. Also North East Credit & Collect is violating Hippa by listing it as a debt from XXXX XXXX XXXX. They also listed the XXXX debt as XXXX accounts, The original creditor told me it should be ONLY XXXX account, meaning North East Credit & Collect maliciously reported one debt multiple times to do as much damage to my scores as possible.. 
XXXX has been notified it was from ID Theft
Product: Debt collection

I noticed multiple unauthorized and incorrect accounts on my most recent credit report. Please take action to block and remove these fraudulent entries right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting to my credit report. I have never done any business with this company and I do not owe them any money. After my own investigation, they bought an account from a company that was created with my stolen identity. They are erroneously reporting to my account. Delete this account from my credit report in accordance with FCRA 605 ( b ).
Product: Checking or savings account

Bank of America failed to provide temporary credits although I requested so many times. XXXX stole my money 500 dollars and manager of XXXX promised to return back my money ASAP. I presented so many evidences through XXXX review of bank of America ( headquarter, XXXX XXXX ). 

I attached XXXX  statement and email response from them.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} ; XXXX XXXX XXXX XXXX  : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3700.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX Balance XXXX  : {$2900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX Balance XXXX XXXX  {$440.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}.
Product: Student loan

Hello, I accidentally scheduled a payment for {$1000.00} more than I intended on XX/XX/20, and I wanted to see if that could be applied as multiple payments. Initially I called the FedLoan Service number and was re-routed to the website. 
When I got to the FedLoan site, even though I have a username and password, I wasn't able to login. I tried everything I could, including resetting my password, getting my username re-sent, even going so far as to try and create a new account. The website would NOT let me do anything. I kept getting messages that either my information was wrong or there was already an account created. The website said to contact FedLoans by phone if having trouble with online accounts. 

So, I called the number again, got through to a female agent, but I could not understand her " ID Number '' and name. We talked about my issue for a little bit, and she explained that I don't have an online account. I explained that I was unable to even create an account online. She started saying and repeating that she can't help me with anything online until I have an account. I said, " Yes, I understand, but because I can not even create an account, I need help with that. The website told me to call this number if I needed help. '' Of course, she repeated " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if there was an IT department or a website person I could talk to. She said " No. '' Kept repeating her message ; " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if her supervisor could help me. She said she was not authorized to transfer me to a supervisor. I asked how I was supposed to be able to get online and she repeated the same message to me. Things were getting snarky and condescending, so I asked for her name and her ID number again. 

She literally said " Thank you for calling ma'am '' and HUNG UP ON ME! 

I hope you listen to this phone call because it was unbelievable! 
My phone number is XXX-XXX-XXXX I called between XXXX and XXXX XXXX XXXX on Friday, XX/XX/XXXX. 

Please help with my online account! I will try to call the number again later, but I am at a loss as to why this person was so unhelpful and utterly rude!
Product: Debt collection

This is not a debt I owe. This is money owed to me from a debt collection agency. 
On XX/XX/2018 I sent a letter to XXXX XXXX of XXXX ( XXXX XXXX, DBA EOS XXXX,XXXX XXXX XXXX , XXXX , MA XXXX-XXXX ). They had sent me a refund check for {$170.00} that bounced. I requested a replacement. Months later I contacted the XXXX XXXX XXXX of XXXX. Complaint was closed then re-opened several times. Still no refund. 

I understand this is a small amount, but it means a lot to me. This company is not accredited by the XXXX and has been lawsuits pending.
Product: Student loan

On XX/XX/2020, President Trump signed the Coronavirus Relief ACT, which stopped all student loan wage garnishments for 6 months. ECMC continued to garnish my wages after the law went into effect. They owe me a refund of {$5.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, ECMC must cease and desist further garnishments and stop automatic withdrawals from my bank account per the Coronavirus Relief ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 15 U.S.C 1681 b
Product: Student loan

Dear CFBP, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and on XX/XX/XXXX I signed XXXX XXXX  Loans, its corresponding MPNs, and finished the entrance counseling with the Department of Education XXXX XXXX XXXX  I have been receiving several emails collecting on a previous private education loan from XXXX XXXX XXXX and now from Firstmark Services, which it seems is a private company that purchased all student loans from XXXX XXXX Loans. 

After calling several times and emailing them, I have not gotten a response to them checking the XXXX XXXX XXXX XXXX XXXX ( XXXX ), which is used by lenders to check student enrolment information. This has been a very trying and tiresome process, filled with opaque rules, and it seems nobody I talk want 's to take ownership of the issue here. Moreover, Firstmark Services has " auto enrolled me '' in direct-debit even though I have never approved this nor signed this. I had to create an account on their website and un-enroll me here. I do not know how that seems legal for them to do if I had never given them authorization for it. 

I have also shared with them official documents confirming all the above. I am sending this complaint so CFBP can contact them over what my student status can and should be. Thank you for any help your team can provide. Respectfully,