23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

Car was turned in on time. Lender for the lease was US Bank. 

US Bank withdrew an additional payment after the lease was returned to XXXX from the bank without permission. 

When I called US Bank, they apologized and said they were going to immediately refund the payment. They did not. 

I then received a final statement 5 weeks after the car was returned stating that I owed an additional XXXX, and had outstanding rent of XXXX and they were going to apply the previous unnecessary and unauthorized payment and that I owed XXXX still. 

I then called and they said they had no record of the previous communications and no record of committing to return the unauthorized payment, but the car was turned in on time and now they are sending back a payment of approx. 700.00 from the overpayment minus the lease termination fee. 

If I hadn't been monitoring the refund, the bank was planning on committing fraud by keeping the overpayment that they took that was not authorized.
Product: Credit reporting or other personal consumer reports

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, XXXX and XXXX
Product: Debt collection

I returned 3 phone and canceled service with XXXX on XX/XX/XXXX in person at the retail store XXXX XXXX where I purchased from with the 14 return window I have proof of return and deactivation receipts. XXXX has claimed to not have received phones in there warehouse. I called to let XXXX  know a few times already that I have return phones and they would tell me they would open a case and look into the issue and that maybe the phones where in the mail still being shipped back. Now XXXX has sent debt to a company called GC services. I spoke with them on XX/XX/XXXX and told them the same info and I sent them the receipts by email to prove phones were returned on XX/XX/XXXX. They said they would contact me once they heard back from XXXX. On XX/XX/XXXX I received alert of derogatory remarks on credit report from GC Service. I contact GC Service on XX/XX/XXXX and was first told that XXXX denied my dispute on XX/XX/XXXX I believe and I told the rep I spoke with someone on XX/XX/XXXX to start the dispute so it could not have been denied before that date. She then told me she found a second dispute open with XXXX and they were waiting to hear back from XXXX. I asked for a file number or case number and she said she did not have one to give. I then asked if they problem is still being investigated why have they report me to credit bureau. She said it was not a derogatory complaint. it was just letting the them now a case was open. But I told her it is saying derogatory. I asked her a debt verification for what they are sending in to credit bureau that I owe and she said she didn't have that but could send an itemized bill. I requested that and she said if she sent an itemized bill it would cancel my dispute with XXXX. I then call spring on XX/XX/XXXX and was told there was no dispute open with them. The rep began to open a case to try and locate phones but again would not allow me to send in the proof of return and deactivation receipt.
Product: Debt collection

They have called at least 2x a day. I have sent them written notice not to contact me as I have an attorney and I am filing bankruptcy. Continue to call threaten they are reporting me so I can no longer write checks said I defaulted on the loan when all I asked was for them to stop ACH payments. Won't give a mailing address
Product: Student loan

I am a cosigner for a private student loan now being handled by Discover. The Account Number is XXXX. These three loans, XXXX, XXXX, and XXXX were taken out approximately 15 years ago. The total three loan balance payoff is {$18000.00}, which I confirmed with XXXX on a XX/XX/XXXX phone conversation. The principal balance of the three loans is {$7000.00}. The amount paid on the loans to date is {$25000.00}, far more than the original amount of the loans. I can't get an accurate history because the loans have been sold multiple times. What is extremely disturbing is that the interest on the loans is {$17000.00}. My daughter took these loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  She was very ill and unable to care for herself. With the loss of income she sustained, she was forced to file Bankruptcy, and was recently facing eviction from her apartment. She has just started working again, and is unable to pay this amount every month. I am now retired and receive social security. I asked to possibly negotiate a settlement, but was told that is not an option. Discover has temporary payment assistance and consolidation, but those options just add to her existing balance, which if you look at the paperwork, she will be repaying {$26000.00} on a {$10000.00} loan now at 13 %. That's just on one of the loans. How does the government justify allowing banks to take outrageous amounts of money in interest from people struggling. {$17000.00} in interest after already paying {$11000.00}. This is sickening. This woman worked on a XXXX XXXX XXXX for a year and a half, despite the fact that she is a XXXX XXXX with a XXXX XXXX XXXX. She was also a XXXX  on an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShe 's in debt up to her ears for chosing this profession. There should be some kind of regulation on banks with regard to private student loans.This is terrible that banks are allowed to do this.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I am not affiliated with the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time getting a direct answer to my issue. I have excellent credit. Had a car loan from XXXX XXXX XXXX. Never missed a payment or late on a payment. Decided to pay off loan amount so as not to incur addition interest payments due to the pandemic. Checked my credit score on XXXX and XXXX  and they dropped my score 20 points. Spoke to both agencies and they informed my it was due to the fact that I closed an account. I explained to both agencys that I did not close the account. The account went into fee simple status because my loan was paid in full and it was a legal obligation for XXXX to close the credit line upon loan being paid in full. They informed me it is still deemed as a closed account. So I pay my loan in full and they are justified in lowering my credit score. How about the fact that I eliminated almost {$5000.00} of outstanding credit that in practice should by agencies standards raise my score. I never miss a payment and pay my loan off early and I get my credit score dropped 20 points. This is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX  , false statements made on behalf of XXXX and fake letters they said they sent.
Product: Debt collection

I received a phone call that was from this company telling me to call them. They used a type of technology to spoof a number so as to make the call appear to come from someone else. The caller ID said XXXX XXXX, The message told me to call a company named Dynamic Recovery Solutions. I do not return phone calls like this and all communication must be done in writing via USPS. Not making a written claim is a violation of the FDCPA.
Product: Student loan

My account was automatically changed ( without my applying or request ) from a income-driven repayment plan to a standard repayment plan. I am a XXXX XXXX making $ XXXX and being told I need to pay $ XXXX. I have had XXXX separate pending applications for over 3 months to revert back to an IDR plan that is affordable. Applications have not been processed. I have called and emailed multiple times to try and get clarity on what is happening and see if I can speak with someone who can help figure out what the delay is. I'm met with a customer service agent reading a script telling me " it can take up to 60 days to process '' despite it now being over XXXX months. No one can help me, no one seems to know who to talk to to figure out how to solve the issue, and instead I am left with a bill I can not pay despite never requesting the payment type change. I truly am exhausted not knowing how else to advocate for myself and what additional routes can be taken. This is not a unique story to me, unfortunately.
Product: Credit card or prepaid card

Discover Cards Account # XXXX My account CLOSED due to non payment months ago. At the time, I could NOT pay due to extenuating circumstances ( medical issues ). I've since decided to pay and settle account for LESS than original balance ... 

I have ceased making any payments on that arrangement. 

I would like to NOW go ahead ( within next 30 business days, to pay entire balance IN FULL, approx 1,600 )
Product: Checking or savings account

So basically my account went into negatives because of a check. It was XXXX dollars and I offered to pay it so my account didn't get closed they said there was no possible way to keep my account open which at the end i settled with. But XXXX of my accounts ( because I had XXXX with them ) had XXXX something dollars in it and I received a email saying any funds will be sent in a check in about XXXX days and its been a month and a half and I still haven't received the money. I tried calling but all it tells me to leave a voicemail and that they are going to call me in the next XXXX hours which they never do.
Product: Debt collection

This original credit card issued through XXXX XXXX XXXX account # XXXX in the amount of or close to {$90000.00}, has had no correspondences, payments and or activity on it in more than 6 years and the time statue in Ca at this time is time should qualify for collection agencies listed below NOT to be able to pursue any legal remedies.
Product: Mortgage

My name is XXXX XXXX XXXX, I'm a XXXX yr. old single mom of XXXX boys ages XXXX and XXXX, I was married 10 years and just went through a two year divorce that ended XX/XX/XXXX with him being found guilty for XXXX and so now after staying home 8 years I've gone back to school and got a GED, also license to XXXX XXXX in hopes to be able to support my kids alone, both my parents have passed and I don't have any close relatives that can help. 

I only have a short time from my ex to refinance my home and I haven't had much luck with my mortgage company fixing a mistake they made that has effected my credit score and may keep me from refinancing my home, I went into Wells Fargo and made some payments in XX/XX/XXXX and XX/XX/XXXX there were two in paticulatr that I had to call and have fixed, they applied my payments to the principal and what I ask them to do was pay it up two or three payments, I did this because with the divorce I knew I may forget to make the house payment on time but instead it caused me to fall several payments behind and I have reached out to Wells Fargo and not had any luck in getting them to currect the mistake, also if I could get them to just look at the notes im sure they would see where I called and had it fixed over the phone, I have the hardest time finding someone there to cummucate with and ever sent a email to them, I talk to a girl on the phone and she was very rude saying she didn't see where that happen and needed exact dates, I told her if she looked at payment history any payments that went to principal were the ones wrong, Ive always just tried to pay it up several months to help with money and the payment history will show that it was common for me to do that, I usually take my tax money and pay it up three months or more every year. 

I just received a letter from them today and it says they credited my account {$21.00} and have reversed the late fees and interest but this isn't helping the incorrect negative impact on my credit report and I could really use help fixing it, I sent the credit reporting people a letter and tried to get it fixed but no luck, I'll attach the letter and account number from Wells Fargo and I apreciate and help I can get with this so maybe my kids and I can keep our home.
Product: Checking or savings account

Amount : {$2200.00 } Date :  XX/XX/XXXX  Company : B ank of America took over. Nations Bank  of F lorida where this account was. I contacted the state of Florida, sent in proof of my relationship to the owner of the account, my mother, and all other required documentation. They want some kind of business paper from the banks. This account is o ver thirty years ol d, my mother is deceased since   XXXX  , and we have no business papers to show. Bank of America says they have nothing either. The state of Florida will not release these funds without some business paper. There is n't anything. The bank should have something and they claim they do not. The state of Florida refuses to do anything, .claiming they need some document between the  XXXX  banks. It seems if there was a document it is either long gone, thrown away, or misplaced.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has resulted in unknown and inaccurate accounts appearing on my report. As a victim of identity theft, my personal information was used fraudulently, leading to these unauthorized accounts being listed. Following Experian 's instructions, I promptly filed an FTC Identity Theft Report and submitted it to address the issue. Despite this, the fraudulent accounts remain on my credit report, causing unnecessary distress and complications.
Product: Mortgage

I am a XXXX, representing a homeowner in the short sale of their property. We have been trying, myself and the homeowner, to communicate with and get an update from Ocwen regarding the status of the short sale approval. We have provided all documents requested - MULTIPLE times. Every time we get someone on the phone, most recently it was Agent # XXXX, just this morning, they disconnect our call! As soon as I began telling this person that we had already submitted the document she was requesting, multiple times, the phone clicked off, dead. The same, exact thing has happened multiple times to me - bu ONLY when speaking with Ocwen " relationship managers ''. They never call back and when we attempt to call them, we can never speak to the same person, and within a few minutes of explaining that we have already submitted every document they are requesting, they hang up on us! I am a XXXX. I 've XXXX in my career. This behavior from Ocwen is notably different from all others I 've dealt with. I can only assume they are intentionally trying NOT to allow the short sale and would prefer to foreclose on this property. I DO have a purchase contract on this home, from a pre-approved and committed buyer. We are ready to proceed and close this sale but Ocwen is not cooperating with us. They have made it impossible to proceed by continually requesting the SAME documents over and over and then hanging up on me when I explain I 've already submitted those documents. I have time-stamped emails proving that I have submitted the documents at least 4 times, some of them more than that. This has been going on since late XXXX 2016. I have reached out to Ocwen at various email addresses : XXXX, XXXX, XXXX, XXXX. I never get a reply back other than to request the same documents I just sent them. We are going in circles and I need the CFPB to step in and help us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XX/XX/2023 Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b and My person is protected by Code 801 15 USC 1692. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Form letter received. 

Loan stated on Great lakes website PAID IN FULL. 
NELNET refuses to honor this discharge in XXXX and provided standard form letter stating they were not discharged. And continues to expect payment after discharged in XXXX. 

These loans were discharged, NELNET needs to remove any and ALL credit reporting regarding those discharged loans in XXXX. 

Bringing back up in XX/XX/XXXX after XXXX  years saying we owe is wrong! 

YES they were! Read above. 

Loan discharged in XXXX from Great Lakes. Last attempt to contact them on their website said account PAID IN FULL. Nothing reported on credit bureau reports no contact/ letters, any communications from Great Lakes or any other organization for XXXX  years until massive data dump XX/XX/XXXX with several duplicate entries which are incorrect showed up in credit report by Nelnet. No previous contact, no correspondence sent us mail, attempted to contact to advise loan discharged XXXX no response. Emails continue. Last email received XX/XX/XXXX we sent back to sender not our debt. This was completely discharged in XXXX by Great Lakes. This is not our debt! Nelnet needs to remove this incorrect fraudulent reporting from any and all credit bureaus including the secret ones, XXXX XXXX  and others and cease and desist further communications! Identity theft occured 3 separate occasions, they do not have the correct name on this correspondence. Freeze in force with credit bureaus, complaints filed View full complaint
Product: Debt collection

These original credit cards were not authorized by me and I had no knowledge of these accounts. The third party debt collector is now contacting me to repay a debt I never authorized.
Product: Checking or savings account

My account was closed from XX/XX/2022, and they replied that they would write a check for my funds within 10 days, but it has been half a year, and every time I contact them, they perfunctorily make me wait indefinitely.
Product: Checking or savings account

Chase bank is closing my account after I received a check in the mail and deposited. It was in my name and I deposited it online with the mobile app. They said check was good then they seized my whole account. And they are closing my account I have been doing business with them for over 34 years