23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX is the servicer on my XXXX XXXX XXXX XXXX Student Perkins loan. They have forced me into an interest accruing forbearance even though I qualified for a Unemployment Deferment and Since XXXX of XXXX, to XX/XX/XXXX All Federal Student loans were suppose to automatically qualify for a 0 % interest forbearance with {$0.00} payments. My Federal Stafford loans followed these federal guidelines of the CARES ACT. 

However XXXX has not, with some help from my school XXXX XXXX was able to fix the problem with the previous problem however saying it used up ALL of my deferment months becuase XXXX ignored the Federal CARES Act that was suppose to freeze interest and payments from XX/XX/XXXX - to XX/XX/XXXX. 

Can you please help with reporting this loan servicer.
Product: Payday loan, title loan, personal loan, or advance loan

The principal loan amount was {$12000.00}. I have since repaid them a total of {$16000.00}. 
I lost my job and could not make payments for XXXX, XXXX, and XXXX. 
On XX/XX/XXXX, they offered to settle the account with 60 % off the balance due. On XX/XX/XXXX, I emailed back, saying I would like to settle. No one responded, so I called. They told me a settlement agent would call me back. Nobody called. I called again on XX/XX/XXXX, and they told me they rescinded their offer to settle and demanded the entire amount due, reporting to XXXX that I am 120 and 60 days past due on the account. They reported incorrect amounts to the credit agency, purporting that I owed {$2600.00}. Whereas the actual balance would have been {$1100.00}. If they had honored their offer to settle, I would have already paid off the account. They are harassing me daily with calls and emails and preying on me. The settlement agents ignore me altogether. I have called at least 11 times since XX/XX/XXXX to settle the account, and they refused, demanding that I make another payment before they consider it. They then reported to my credit report that I was delinquent and inflated the amount due. I made another combined payment of {$1200.00} ( XXXX XXXX {$650.00}, and XXXX XXXX XXXX ), which would have been more than the amount they requested in the settlement. I tried calling on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, and every time they tell me a Settlement agent is unable to speak with me, but that they would put in a call back request. I just wanted to let you know that nobody ever calls back. 
Meanwhile, they charge interest daily. They intentionally ignore me to maximize their profit. They have continuously lied and misled me. I need your help to get them to leave me alone and stop ruining my credit.
Product: Debt collection

The young lady XXXX at fox collections, called a number that I know she went through a medical file to obtain. I advised her to have the orginating company to call me in regards to whatever the situation is. This number she called is not on any other file than one that is medical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX Transunion I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with Transunion. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on Transunion. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on Transunion. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on Transunion. Delete immediately Please expedite
Product: Credit card or prepaid card

I have an existing account with Sears.

Received marketing material stating I'd been upgraded to the Sears XXXX and that I'd have to " opt out '' if I didn't want. 

I contacted Sears and declined, but no Consumer should have to " opt out '' of credit they didn't request. This could indirectly impact someone's credit ratings through no fault of theirs.

Interest rates - 26.74 % Late Penalty - {$38.00} I believe this approach to credit is simliar to the " XXXX XXXX '' disaster.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXXBalance : {$0.00} XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

We initiated in conversation with Mr. Cooper mortgage company to receive a partial release form at the end of XX/XX/year>. We received their documents information needed section at the beginning of XX/XX/year>. Mr Cooper mortage company transferred us to their Subordination office, which do not have a direct representative or contact we can call. The only contact we received was XXXX. We submitted all of the information needed for this to the email provided XX/XX/year>. For two weeks straight, we continued to receive an automatic email stating we were missing documents, which was incorrect. We've followed up on consistent communication daily during this time period and never received any further direction at all. It was not until XXXX in which I made several online complaints until someone actually could pick up the phone and call me. During this time period, I lost the contract of the sale for which I would be selling the property for because of the lack of communication from their office. No response is being done by their office in a timely manner. We have an email thread of over XXXX emails dating for over a month now, still no further guidance by Mr Cooper mortgage company to further assist in this process. Myself, Title company, and real estate agent all have no clear direction on this because we simply can not receive an answer from Mr Cooper mortgage company on the status of this.
Product: Credit card or prepaid card

I received a statement with an annual fee for a credit card I attempted to convert to another credit card product on X/X/17 with citi via phone. I was under the impression this was underway and was actively taking place. I received yet another bill in XX/XX/XXXX ( for the same aforementioned credit card I attempted to convert in XX/XX/XXXX ) and called citi yet again on XX/XX/XXXX. I spoke with a front line csr who said I had already attempted this, but my account was n't able to be converted due to it being past due. I was frustrated that it was past due, as I requested the product change before the payment due date listed on the previous bill. I spoke with a supervisor this time named XXXX who said I received word I would have to pay the previous annual fee prior to the product conversion. I was confused as to how he could possibily know this as he was n't the person who handled my request in XX/XX/XXXX, and did not have time to review any associated phone recordings prior to speaking to me. This dismissive practice of the customer always being wrong has got to stop. I am being punished due to citi being inept with their speed of product conversion despite my asking for it prior to the payment being due. I paid the " minimum payment '' per XXXX on the phone as to avoid any negative credit reporting by city, but feel this payment was made under duress as I had no alternative.
Product: Credit card

Citi Bank Cards Customer Service has BLOCKED my accounts. 

Can not get any support fees, disputes, credits, and card retention. 

Six months of ZERO support. 

Elevated problem to Presidential Escalation and the managers NEVER responded back to solve numerous problems. 

XXXX XXXX XXXX, rudley hunup on me not willing to listen and resolve probelms. 

XXXX XXXX is a problem within teh XXXX chain of command with his bhostile attitude and unprofessional treatment.
Product: Checking or savings account

My money was mishandled in a lot of ways My deposits were not handled right. I was missing thousands of dollars at XXXX point I withdrew money and they have me less. Had to go back to inquire about rest. My account was XXXX less then what it should have been. Excess fees on my account. I tried talking with back to have my money returned but to no avail. It was just ridiculous. Then they closed the acct on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Credit Reporting Bureau is Experian, I requested my credit report and have disputed several items in the report ; there are several accounts that are closed and should be removed. There are two of the companies that have demonstrated unlawful practices ( XXXX & XXXX ), and law suits have been filed against both companies. A School Closure for Discharge was submitted for XXXX University of the XXXX XXXX XXXX XXXX as the school closed, as I had to take two science classes at a community college to complete my BA diploma/certificate requirements as XXXX lost XXXX XXXX and it closed, while I was taking the science classes for their BA program. Both, XXXX & XXXX accounts should be closed and removed. XXXXXXXX XXXX XXXX should be removed as it with XXXX XXXX. 

XXXX XXXX  is the financing institution for the following credit accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. that were closed because these companies no longer serve as brick & mortar stores. The XXXX XXXX account shows late, I have never been late on this account. In addition, to several other accounts on my credit report that should be removed as they are paid and reflect closed. These accounts should be removed from my credit report as they are closed and a few I never used. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

Other Credit Accounts paid and closed : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A total of XXXX accounts should be removed from the Credit report. I would like to have my credit report reflect a positive report as I work hard to maintain a good report, and currently that is not demonstrated by Experian and other consumer reporting bureaus. I have also filed a complaint to have Experian investigated by the Office of the Attorney General for a Public Inquiry as many of the agencies appear to demonstrate race inequities towards people of color as profiling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried numerous times to reach out to company to explain I have been a victim of identity theft and this account I did not open! I just keep hearing we will contact you at a later time, then I never hear anything again. This is Hindering me from purchasing a home and has effected my credit score Tremendously. If I dont here anything after this complaint I will contact corporate and any news outlets that I need to, to get this account removed from all Credit bureaus.
Product: Mortgage

USAA MORTGAGE Approved our refinance loan of {$180000.00} and sent our " Final Disclosure '' on XX/XX/XXXX for an XX/XX/XXXX Consummation Date. 

We've already paid all property taxes and insurance through XX/XX/XXXX. 

On XX/XX/XXXX, at the time of signing- the Notary placed NEW " Final Disclosure '' on top of our Loan Documents changing the terms of the XX/XX/XXXX " Final Disclosure '' and forcing our hand in accepting the inclusion of escrowed insurance and tax payments. 

According to CFPB, it's against the law to give this less than 3 days notice before signing. We were coerced and this will negatively affect our finances moving forward, putting us at higher risk while also causing us to lose the benefit of controlling our own monies and using our credit to our best interest. 

USAA could not give any clear answers as to why they did this at the last minute as we were in the process for almost 2 months, nor would they offer any reconciliation. 

USAA then spent our valuable time having us continue to email and call them to re-hash the scenario to different representatives, also putting us on hold at 20-30 minute increments and eventually offered " hope '' that the servicer could adjust off the escrow. When we asked if having escrow taken off has ever happened, they said " No. '' We will lose the ability to make interest on the monthly payments to escrow and we will lose the ability to pay-down the principal during the year because of USAA 's incompetence with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's credit services has innaurately reported a missing payment states from XX/XX/2018. When this first appeared, I spoke with customer support regarding the issue and they resolved it immediately. This was due to an error with their payment system stating a successful payment even though there was a server error. The system was also showing my actual address but they were sending mail to an address that was two years old - which means I was not properly notified about the payment issue until well after. I had email billing notifications on and they failed to acknowledge this, and still sent physical mail to the over two year old address. The support team agreed to remove this negative report after I successfully paid the amount due over the phone. This is having a negative impact on my score and when I inquired most recently to remedy the situation and even close my account, I was denied doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX Date Opened XX/XX/XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX  Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX of late payments** Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} ; XXXX XXXX XXXX XXXX XXXX  {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you regarding unauthorized personal information associated with my identity. Several accounts and transactions have been erroneously linked to me without my consent or knowledge, causing considerable anxiety and hardship. I have fallen victim to identity theft and have already reported this incident to the appropriate authorities. 

This situation has severely compromised my financial stability and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am prepared to furnish any necessary evidence to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS XXXX XXXX XXXX XXXX  ON MY REPORT FOR EXPERIAN SHOWS A CHARGE OFF THAT IS INACCURATE INFORMATION. PLEASE CORRECT THIS INFORMATION.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding late payments. Over 30 days ago, I sent letters to your company requesting validation of these reported late payments, but I have not received any response or satisfactory evidence to support them. 

Despite my efforts to resolve this directly with your company, the incorrect late payment information remains on my credit report. This is negatively impacting my credit score and ability to obtain financing. I have included copies of the relevant portions of my credit report along with this letter. 

I am respectfully requesting that you investigate this matter and promptly update or remove any unverified late payment information from my credit report. Accurate credit reporting is crucial, and I expect your full cooperation in correcting these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern this is my second time making a complaint because XXXXXXXX XXXX still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account XXXX XXXX account number XXXX to Portfolio Recovery Associates LLC on XXXX and XXXX account on XX/XX/XXXX. I sent XXXX XXXX a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. Portfolio responded back saying inserting they reply from my last CFPB complaint here as follow. 

Company 's Response Portfolio Recovery Associates , LLC ( " PRA '' ) investigated your complaint. We previously closed the PRA accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the PRA accounts unless otherwise permitted or required by applicable law. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 

This is proof I will in close the picture of this response as of today these accounts never been reporting from portfolio recovery associates LLC. They responded with the wrong account number for XXXX XXXX account number supposed to be XXXX.