23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a medical debt from 2014 that was paid through the doctors office. The original occured because of an insurance issues that took a few weeks to be fixed. The debt was sent over to kansas counselors and never placed on my credit until 4 years ago. my wife and I have tried to reach out to Kansas Counselors, we don't get any type of information regarding the debt, except the basics. When I asked questions regarding the reporting or why this is now being collected on. Each collector informs me that I need to speak with a superivor. They are never available. I have left over 7 messages and nothing.
Product: Credit reporting or other personal consumer reports

XXXX is reporting account history and personal information associated with this account in violation of Gramm-Leach-Bliley Act. This information is being reported in violation of my right to have this information omitted on my report.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT BUREAU RESPORTING NEGATIVE INFORMATION ON REPORT. 
XXXX ) XXXXXXXX XXXX AMOUNT SHOWING : {$2200.00} DATE : XX/XX/year> XXXX # XXXX CONTACT XXXX XXXX ) XXXX XXXX AMOUNT SHOWS : {$2600.00} DATE : XX/XX/year> XXXX # XXXX INQUIRIES : XXXX XXXX  DATES : XX/XX/year> AND XX/XX/year> XXXX XXXX : DATE : XX/XX/year> XXXX  XXXX : DATE : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have XXXX issues with XXXX XXXX  the first is, they are not reporting my payments to any credit bureau, and second they overcharged me and didnt help me with a good mortification, my payments went up {$600.00} after my mortification, they charged me XXXX for mortification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian removed 7 inquires off my report, report number XXXX. 

Now 15 U.S.C 1681n ( b ) states they owe me {$1000.00} per violations, now thats {$7000.00}.
Product: Mortgage

On XXXX XXXX, 2017, I filed a complaint against Nationstar Mortgage ( XXXX ). I still had questions and reached out to XXXX XXXX via e-mail on XXXX XXXX, 2017. I also left a message for XXXX XXXX XXXX to call me about my e-mail on XXXX XXXX, 2017 Below is the content of the e-mail I sent. On XXXX XXXX, 2017 at XXXX To : XXXXXXXXXXXX Cc : XXXX XXXX Nationstar Reference Number - XXXX Hello - XXXX XXXX . Ive received the response pertaining to my complaint to CFPB. I called your number because I still have questions, but your phone kept ringing with no voice message option. I have a few questions. I see you are listing the shortage as {$770.00} with an extra monthly payment ( if I chose to go that route ) of {$64.00} more on my mortgage payment. Which would make my payment {$1500.00}, starting in XX/XX/XXXX. When did the shortage start and how much was it? What was factored in to get to the shortage amount? Is the two months of reserves factored into the shortage Why is my payment for XX/XX/XXXX {$1600.00}? My XXXX is due in XX/XX/XXXX. Is Nationstar paying that? Im requesting to be able to pay my city taxes and XXXX. How does that work with the shortage?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you in order for you to verify certain confusion and inconsistency of a certain account number on my credit report that violates my rights as a consumer. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I dispute XXXX XXXX XXXX This account was closed on XXXX however it's showing delinquent activity after the closed date. Your procedures have allowed this since XXXX  and this has been highly damaging to me. I want this account updated. How did it happen that this account only shows late 30 days but no exact dates of delinquency? How did it happen that this account continued to provide delinquent activities after it was closed? TransUnion credit bureau has been inconsistent in providing 100 % accuracy in my credit report. And this has a big impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name social is XXXX On my equifax Credit report theor are 10 hard inquiries that are fraud I filed a federal trade commission identity theft report for the 10 hard inquiries please have equifax removed those hard inquiries and regarding XXXX I have 4 hard inquiries that are fraudulent I filed a federal trade commission identity theft report its on file also their arr two negative items that are fraud XXXX and the other negative item has a balance of XXXX please have XXXX removed those 2 remaining negative items that are charged off off my XXXX report I filed a federal trade commission identity theft report its on file
Product: Credit card or prepaid card

I filled a claim related to my lost luggage during travel in XX/XX/2017. The claim was filed with the XXXX a Chase claims provider. This insurance was provided on my Chase XXXX XXXX card that I had at the time. 

I filed the case for my lost phone, as it was stolen out of my check-in bag during travel.After sending them numerous calls and emails I haven't been able to get them to understand that it is practically impossible for me to report this loss to the airline immediately after I come out of plane. Also as this was international travel and the phone was in check-in luggage, I did not get the bag for around 1.5 hours after coming out of plane, and I did not open the bag until I reached home. 

My claims keeps on getting rejected on the basis that I did not inform the airline in time, whereas I have provided proofs to them with my flight tickets and also my communication with the airline. 

Claim number with eclaimsline : XXXX Last four digits of my credit card : XXXX
Product: Credit card

PayPal deceptively changes it 's normal checkout so that you get signed up for their credit account, then makes it the default for eBay payments, with no notification to the user. 
Called PayPal to close account, and it 's still open.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

Between XXXX I received different loans for different amounts from Omni financial in XXXX, Georgia and XXXX, North Carolina XXXX
Product: Credit reporting or other personal consumer reports

I updated my current address and requested all old addresses to be deleted but instead TransUnion updated my current address to an old address which I requested to be deleted and documented my current address as an old address. Trans union has repeatedly denied my disputes, made it impossible to contact them and insist on giving me false information to verify why they are not changing the incorrect information in my report.
Product: Credit card or prepaid card

My credit card with Citibank was closed in the middle of XXXX with any notice. Citibank claims they can close my account at any time and not give a reason. Even if this is legally allowed, then it borders on deceptive marketing. 

Citibank sends me an advertisement to open a credit card. I have a hard inquiry on my credit report as part of the application process. I am approved. Then about four months later my account is closed suddenly without notification. I am left stranded in the middle of a trip without the ability to use my card. At the very least they could have given a warning that my credit card was going to be closed. I think any reasonable person would have that expectation. I also believe that any reasonable person that doesn't break any laws nor do anything illegal would not expect his or her account to be closed for no reason. 

Citibank needs to stop this deceptive practice and ensure that they are not closing people 's accounts for reasons that are protected by law. If I ask Citibank if my account was closed because of my race, they can not deny that is the reason. If I ask Citibank if my account was closed because of my religion, they can not deny that is the reason either.
Product: Checking or savings account

I had a checking account with Chime Financial account number XXXX. I sent a check from Chime account of {$1400.00} to my landlord XXXX XXXX for rent for the month of XXXX. 
She received the check XXXX XXXX. On XX/XX/XXXX XXXX XXXX said the check bounced. When I sent the check at the end of XXXX Chime deducted the amount Of {$1400.00} from my account. Befor your able to send a check you have to have the Funds in your account and then when you send the check the funds are automatically Taken out of your account. The check went to XXXX XXXX and showed XXXX XXXX said The money was not in her account. I sent a number of Emails to Chime because you cant talk to anyone on the phone. You only can Email or text Chime support. At least XXXX times I Emailed Chime about this check and they never did answer me if the check was Deposited or returned to Chime. So neither Chime or XXXX will say if this check was returned to Chime or deposited to XXXX XXXX account. Right now I am out {$1400.00} And XXXX XXXX is threatening to evict me if I dont give her {$1400.00}. I need to know Weather or not the check was returned to Chime???
Product: Checking or savings account

Chase charged my account {$100.00} in overdraft fees. They refunded one. I have an agreement with Chase that when my account gets to or below {$50.00} I am to be alerted. This has been in place for years. On XX/XX/XXXX Chase did not hold up their end of the agreement and failed to notify me. They are claiming that in certain circumstances this can not be done. Well, I have never been informed of these circumstances or guidelines. The manager that I spoke with suggested I visit a branch and find out. I refused as this is after the fact and the manager was unable to determine when I signed up for the alerts. 
My question to him was if your records do not indicate the date of the agreement then how do you know what the agreement states. The agreement had no exceptions. Now the agreement has exceptions for this particular situation.
Product: Student loan

I attended XXXX XXXX XXXX XXXX and XXXX in XXXX from XXXX. They changed their name to XXXX XXXX shortly after. I have a private loan that has an accrued an interest of {$7300.00} when the loan was for {$4000.00}. My mother also took out private loans for my schooling currently totaling {$14000.00}. 

Navient originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates even though it knew that a very HIGH percentage of such borrowers would be unable to repay the loans. Navient made these risky subprime loans as " an inducement to get schools to use Navient as a preferred lender '' for highly profitable federal and private loans without regard for borrowers and their families, many of whom were young, like myself, and ensnared in debts they could never repay. 

Navient had a multi-state settlement a few years back where they gave private loan debt relief to borrowers who had XXXX consecutive months of delinquent payments prior to XX/XX/2021. What a SLAP in the face for the people who literally struggle month to month to pay these XXXX loans!!! I can't get approved for a home. I can't get a car loan unless I pay outrageously high interest rates. If I'm even a couple days late, Navient is already calling and emailing every chance they get. I'm afraid of Navient calling my job or garnishing my wages which is why I try to be on time with payment but as a single mother of XXXX who's on public aid, it gets very difficult. 

After this settlement, Navient got out of the federal loan business due to scrutiny from lawmakers and borrower advocates and Navient had to pay restitution to the federal student loan borrowers for not informing students if XXXX XXXX XXXX student could have enrolled in but instead steered towards forbearance. 
Navient has been sued at least half a dozen times for other predatory loan practices and illegal collection practices.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

For over XXXX years I have had a reverse mortgage on my home at XXXX., XXXX, FL XXXX. In XX/XX/XXXX due to my wife 's XXXX XXXX I decided to scale down my house and vacate the home with the reverse mortgage. For XXXX years we have been trying to submit a short sale Application to dispose of this asset. Based on an HUD appraisal in XX/XX/XXXX we were told we had to sell it for {$600000.00}. We immediately obtained a buyer for that amount in XX/XX/XXXX and submitted all the sale documents etc. to HUDs contract bank. Both my real estate brokers, myself and lawyer attempted to follow up and got no response for several months that summer ( during which our XXXX contact left the bank ). Finally in XX/XX/XXXX we were Contacted by XXXX and told that even though we met the price set, the appraisal had expired therefore we had to resubmit the short sale package, losing our XXXX due to the six-month delay This we did twice in XX/XX/XXXX and have still not been able to liquidate the house. While the property not being occupied has deteriorated to a great extent in the XXXX years of non-occupation so I have spent about {$60000.00} in XXXX fees, taxes, legal fees, upkeep, utilities etc. over the XXXX years. 
I am XXXX and living on retirement funds and can not continue to keep up the empty home. Which will continue to disintegrate while interest in excess of the house net worth continues to increase. The bank : Reverse Mortgage Solutions Loan number XXXX XXXX XXXX 
Spring, TX XXXX XXXX. 
I seek Immediate relief from any responsibility for this home and require your help to expedite XXXX to approve our sales contracts XXXX XXXX XXXX current address : XXXX XXXX, FL XXXX
Product: Student loan

What school were you attending when you got the loan? 
This question was posed earlier in the form but it only allows you to input one school. I pulled out loans while I was attending the following two schools : -XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX , CA ) -XXXX COLLEGE ( XXXX, MI ) Issue : I started employment at a XXXX   organization ( XXXX XXXX ) on XX/XX/XXXX. This non-profit qualified for the PSLF Program. However, not all of my payments have been attributed to PSLF Program while working at the non-profit. XXXX XXXX acknowledged the error and provided two reasons why this happened : Reason 1 ) Some of her payments were not categorized as PSLF because they were overpayments, and if they are overpayments, they are disqualified as PSLF payments. Payments must be the exact amount due. Two things to fix problem. 
1 ) Turned off notification that disqualifies her payment if it's an overpayment - DONE.

2 ) Request put into accounting to do an audit. Go back through all of the payments made from XX/XX/XXXX ( The XX/XX/XXXX payment will not count because she started working at XXXX XXXX after she made payment for that month ). Identify payments that were overpayments, remove the disqualification status and then marking the payment as PSLF. Case # XXXX. This will take 2-3 months. ( XX/XX/XXXX will mark 6 months from today ) Once its completed, XXXX will send letter in mail. 

Reason 2 ) Not all loans at the time XXXX began employment with XXXX XXXX qualified for PSLF.  It was not until they were consolidated in XX/XX/XXXX that they qualified for PSLF. This is subject to debate because XXXX previously gave XXXX the impression/verbal that all her loans did qualify for PSLF. This may have been a consolidation error. 

We checked on the status of this issue on the following five dates but the phone representatives did have any additional information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX, we are still awaiting resolution to this issue. Details may be found in the attached XXXX XXXX Event Log. Please note there are two tabs in the spreadsheet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mortgage payment setup to automatically send from my bank to the mortgage company Caliber Home Loans on the 1st of every month. In XX/XX/XXXX/XX/XX/2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because Caliber Home Loans had purchased my Loan from XXXX XXXX Loans I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XX/XX/XXXX/XX/XX/2018 because I didnt know to update the automatic payment I was sending. When this happened Caliber Home Loans reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with Caliber they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of Calibers failure to notify me of the change in payment amount. The account has since been paid in full and closed, and Caliber is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Product: Vehicle loan or lease

To Whom It May Concern, I spoke with Capital One Auto Finance back in XXXX, XXXX trying to get assistance with my car payments as I had gotten behind on my payments due to hail damage to my home and medical issues which in turn caused me to get behind on my payments. I spoke with XXXX XXXX of Capital One Auto Finance back in XXXX, XXXX to make payment arrangements as I was not asking for a loan modification but more time to pay the arrears until I could be current on my payment. I owed 3 payments of XXXX totaling XXXX and I was inquiring if they could put the payments at the end of the loan as money is tight and I had not received the settlement for my roof. They kept insisting they would put two payments at the end of the term. Now, I had spoke with XXXX of Capital One Auto Finance to make arrangements and I was getting ready to send another payment of {$300.00} on XXXX, XXXX and was told no to worry my vehicle was safe and make the payment and call him back and they would work with me. I had planned to pay them more in XXXX, XXXX as I receive my student loan and could pay the arrears but before I could do any of this, this morning, XXXX/XXXX/XXXX they took my vehicle without warning and no letter informing me that they were going to repossess my car. All of my things are in the car and I spent the last of money until payday filling up the gas tank, only to miss work and call Capital One Auto Finance. I spoke with XXXX of Capital One Auto Finance and all he could do was put two payments on the back end but that I needed to come up with {$600.00} + storage fees to get my vehicle back. I do n't have that kind of money and I was recently in the hospital so my paycheck was shorted out due not having enough leave as this was an emergency situation. Capital One Auto Finance lied to me. I wasted my hard earned money paying for the car only for them to take it away. It 's apparent they do n't care and do n't want me as a customer. Please help if you can. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that  I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Please resolve this issue as soon as possible, thank you. ''
Product: Credit reporting, credit repair services, 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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than records of convictions of crimes which antedates the report by more than 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.