23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Blocked my account from making online payments due to a late payment, if I call the number left on voicemail it's just an automated answering service, called the number listed on my account and it is not in service anymore. Called another number and they gave me another number to call, call it and everytime someone answers the call gets disconnected immediately. They are making it impossible for me to pay my car payment after setting up a plan with them to get it caught up, I am caught up now and now there is no way for me to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase from the merchant XXXX XXXX XXXX  {$1400.00} was charged to my Discover card. This card is set up through my XXXX account. After trying to obtain information requested to return the item within the 30 day return policy period and not getting a response from the merchant, I filed a dispute with Discover. After filing the dispute, XXXX sent an email indicating they had been notified by Discover that a dispute had been filed and would not handle the dispute since I filed the dispute through Discover. After several e-mails back and forth with the merchant, I was finally able to return the merchandise which was received by XXXX XXXX XXXX on XX/XX/2020. In the meantime, Discover ruled in the merchant 's favor and resolved the case on XX/XX/2020. On XX/XX/2020, I contacted Discover and spoke to a Customer Service Associate, told them the merchandise had been returned so I should be credited the amount. They instructed me to upload documentation supporting that I returned the item and to call them back once I did this. I did as instructed, called them back but was told that because in an email the merchant stated they had refunded my XXXX account, they could not credit my account and I needed to contact XXXX. I explained that I never received a refund via XXXX. Furthermore, XXXX is a pass through when using a credit card, therefore, the amount would not be refunded to my XXXX account. I didn't use XXXX funds, I used my Discover card. And if they had refunded me as they claimed, they would've provided me proof when I disputed that I hadn't received a refund, but they clearly lied because it would've went back on my Discover card. I was then told that they needed proof that the returned merchandise went to a physical address since XXXX tracking only showed the city and state of delivery. I contacted UPS who sent me proof of delivery to the address on the shipping label which I uploaded to my Discover site. This was reviewed by another CSA and I was told that this was sufficient and that they would need to have a Team Manager review and then reverse their dispute decision. I was supposed to  have been called back and never heard from anyone. I called the following day to speak with now a fourth CSA only to be told that once again, they can not credit my card due to the XXXX email. So now, the merchant received the item and my money! I went through all of this rigmarole just to be right back to square one. I've checked my XXXX account 's Resolution Center that shows a case history and the info is updated based on Discover 's investigation. It states that the case is closed and was decided in the seller 's favor.
Product: Debt collection

Portfolio Recovery is on my report as a collection for XXXX XXXX in the amount of {$890.00}. The account type is an open account and I've requested over the past few years for them to send me documentation that this is my debt. The collection is showed as paying. The account was opened in 2018.
Product: Debt collection

Navient A XXXX Nightmare After the high-pressure recruiting calls and promises of XXXX XXXX I enrolled in the XXXX XXXX program in XX/XX/XXXX. 
The program tuition was {$21000.00}. I was able to get federal student loans but XXXX then wanted {$5800.00} cash for the remaining amount. I did not have the cash, so they told me about a XXXX XXXX XXXX. I took out the XXXX XXXX XXXX for {$5800.00} through Sallie Mae. And then, they gave me a pink sheet titled Need Money? Sallie Mae offers a loan program for students that need money. I was then introduced to the XXXX XXXX  loans that exceeded the cost of tuition and I took out 2 XXXX XXXX Loans both for {$5200.00} each. 
Currently I owe {$18000.00} to Sallie Mae/Navient for the 3 private student loans that they continue to bill for. I ended up consolidating my federal loans with XXXX. 
My husband and I unfortunately had to file XXXX  XXXX Bankruptcy on XX/XX/XXXX XXXX XX/XX/XXXX in the XXXX XXXX XXXX Illinois ; Sallie Mae was listed along with other creditors. 
My husband became ill shortly after the bankruptcy discharge and was diagnosed with XXXX XXXX in XX/XX/XXXX. After two XXXX at XXXX XXXX and living in XXXX away from our kids for treatment he passed away two days before XXXX XX/XX/XXXX. 
At XXXX I found myself a widower with XXXX girls and a mountain of debt again. I have continued to make payments to Navient because they kept calling and harassing. In and out of forbearance, payment reduction, interest only and have not made any progress. 
I feel like someone has been jabbing a fork in me now and turning it as hard as they can. Navient has done so much damage in so many ways through these years. Simply put, Navient preyed on me for several years. They threatened so I paid what I could. My husband died of XXXX, and I had XXXX girls to take care of and I was working as much as I could. I am emotionally drained by them. Every loan that I have applied for, the interest rate has been based on my credit. Navient has ruined my credit because they said I owed this money and come to find out it should have been discharged in XXXX. I recently had to co-sign on my youngest daughters student loan and her interest rate was high because of my credit due to Navient reporting my delinquency. 
Navient has continued to make collection attempts on my private loans that were discharged. Currently I am on a program with Navient where they automatically take out of my checking account monthly. They will no longer be receiving any payments from me again and need to cease collections immediately.
Product: Mortgage

Mortgage Servicer : PennyMacUSAXX/XX/2015 ( approximately ) : I called PennyMac to check if I had met the criteria for removal of PMI from my loan. 
XXXX/XXXX/2015 : I sent a note via servicer 's internal messaging service on their website inquiring about the status of the request. 
XXXX/XXXX/2015 : Service responded to message stating I should allow up to 7 business days from the original request. 
XXXX/XXXX/2015 ( approx. ) : I called PennyMac to check on the status. I was told to allow up to 10 business days. 
XXXX/XXXX/2015 : I sent another message via PennyMac 's messaging system requesting a resolution to my request. 
XXXX/XXXX/2015 : PennyMac sent message stating I should allow an additional 7 days to receive a response. 

It has now been over XXXX weeks for a request that according to their policy should have taken 7 business days.
Product: Checking or savings account

In XXXX I opened a new Checking and Savings account at Citibank in the hopes of receiving a {$700.00} new account bonus for opening a " Citi Priority Account ''. I opened the account and deposited {$50000.00} on XX/XX/21 and have maintained that balance between checking and savings. The terms and conditions state " The Cash Bonus based on the Chart will be paid to your Eligible Checking Account within 90 calendar days from the date you complete all Required Activities. '' It's now been 92 days and I believe the required activities are making the XXXX deposit and maintaining the balance for 60 days.
Product: Mortgage

XXXX statement shows {$99.00} late fee, not a late fee. Its an annual maintenance fee and not late. 
XXXX XXXX refused payment from my XXXX XXXX  online banking for the {$99.00}. They accepted the regular monthly payment as usual XX/XX/18 received notice from XXXX XXXX  it was refused. XXXX  could not find record of refusal Now they can make it look like a late fee if they keep refusing the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX CT XXXX GA or XXXX I 've asked for " Validation '' and XXXX  has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! XXXX, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! 
Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) (  A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.
Product: Debt collection

I never authorized this company to put fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX  I was never notified, and I never signed document stating I will pay this debt, or this debt is mines
Product: Debt collection

Attention XXXX XXXX XXXX  Reference to XXXX My identity was compromised that is why I filled a complaint with the Federal Trade Commission, identity theft.gov., Consumer Protection Bureau XXXX Credit Bureaus XXXX etc. 

I have been in oversea for approximately over XXXX  years and it has been verified by the exit and entry stamp on my passport, therefore, I do NOT own your company XXXX dollars. 

I left XXXX till XXXX, I filled a dispute through the XXXX credit companies. 
XXXX took the XXXX dollars off my XXXX and XXXX credit reports BUT your company left the XXXX dollars on my XXXX credit report. 

Please take the XXXX dollars off my XXXX credit report as soon as possible and place it on the rightful account. 

Thank you, XXXX XXXX.
Product: Mortgage

My mortgage servicing company is Ocwen Loan Servicing. I was advised that my escrow account need to be built up. I mailed check on XXXX/XXXX/15. Although check was received into system on XXXX/XXXX/15 ( confirmed by customer service ), it still has not posted to my account, and Ocwen has adjusted my payment to reflect I did not make this payment. I have emailed them XXXX emails with complaint, written XXXX letters with same complaint and spoken to customer service with same complaint. All with no success. I plan to send in my regular payment and Ocwen will show it is a short payment. 
The customer support I am getting is at a XXXX level. I would be better off talking to a wall.
Product: Payday loan, title loan, personal loan, or advance loan

We bought solar panels through XXXX XXXX, and financed over $ XXXX through a loan bought by PenFed Credit Union ( XXXX was the solar company and XXXX was the initial lender ). We installed the XXXX solar panels in XXXX after several months of frustrating installation process, the panels were finally operational in XXXX of XXXX. We had to start paying the loan payments then. We were initially sold one type of panel and then told they couldn't get that one and were giving us a better producing panel type instead. We've had challenges ever since. it started with a leak in a our roof caused by them putting a nail hole in the roof during installation and not covering it. it leaked through and caused damage to our ceiling as well. XXXX was terrible to get help and we had to try to work through our sales person XXXX. XXXX finally came, admitted the problem the roof and said they would send someone to fix ceiling, then wrote a report stating it was was caused by us and not them to get out of fixing ceiling. Customer Serv refused to help us and we had to again work sales person for months. Then in XXXX XXXXXXXX  we started getting large electic bills, and called both customer service and our Sales Person and got no help for months. We kept gettting larger bills and finally got someone to respond to us in XXXX, but no one could come service until XX/XX/XXXX. Unbelievable!. So another month went by. When the Service came finally, 29 inverters of 34 panels had never worked. He supposedly fixed them all and we can see ( from the app that tracks working panels ) that they are still not working today. Plus we are out months of electric bill money we had to pay on top of our $ XXXX loan for this piece of XXXX  and no one will help us. we called again today and they claim they don't have the parts, after their service guy lied and said he fixed them all. We need this fixed now and we need our lost money ( {$720.00} ) for electricity for all of the lost solar, which was promised in the contract. No one will respond to us. We've had to continue paying our loan payments for a product that has never worked for which PenFed financed. We are not getting any help from the company and can not cancel the loan or stop paying it to avoid having credit issues. This is predatory. The lender is doing business with a company who is selling non-working products to the public and then we are stuck paying the credit to avoid having our credit impacted. And we then still have electric bills, have had our house damaged, and no reimbursement at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BXXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under XXXX XXXX XXXX XXXX. XXXX, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX Capital One Bank, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have reached out last time to Equifax Credit Bureau, but i have not recieved any response up to this date. That means Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. The following account is still reporting on my Credit Report and needs to remove completely : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

An unauthorized amount of money {$600.00} was withdrawn from my bank account. This resulted in an overdrawn account and fees for return of all my bills set up on automatic deduction. I contacted the company, was ensured I would have my money right away and never received it. The fees continue to be charged to my overdrawn account and has created a nightmare on top of leaving me no gas money to even go to work, no money for groceries and no money for food for my pets. I am extremely irate.
Product: Debt collection

I have previously requested verification of the debt in writing, yet the agency continues collection efforts and negative credit reporting without proper substantiation. Specifically, my complaints are as follows : 1. Failure to provide adequate validation of the debt upon my request.

2. Continued attempts to collect a potentially inaccurate or unverified debt.

3. Reporting inaccurate or unverifiable information to credit bureaus, harming my credit profile.

4. Engaging in harassing or misleading communication regarding the debt.

These actions violate my rights under federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report XXXX XXXX XXXX attempts to collect a debt that does not belong to me. The account in question ( # XXXX ) is listed as a collection account, yet I have no knowledge of this debt and have never had any financial dealings with the original creditor, XXXX XXXX XXXX XXXX. Despite disputing the validity of this debt in writing, XXXX XXXX XXXX has failed to provide adequate documentation to validate the debt. 

Specifically : I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 

XXXX XXXX XXXX did not provide a copy of the original signed agreement or contract that establishes my obligation to this debt. 

XXXX XXXX XXXX has not provided an itemized breakdown of the debt, including the principal amount, fees, and interest charges. 

The company continues to report this debt to credit reporting agencies, damaging my credit profile without proper validation.

Furthermore, this account may have been the result of identity theft, as I am a victim of the XXXX data breach. This raises serious concerns about the legitimacy of XXXX XXXXXXXX XXXX XXXX activities and their compliance with federal laws. 

How This Has Affected Me : XXXX XXXX XXXX actions have caused undue stress and negatively impacted my credit score.

The inaccurate reporting has created barriers to accessing credit and other financial opportunities.

Their failure to provide proper validation and continued attempts to collect on an invalid debt have violated my rights under the FDCPA.
Product: Mortgage

Hello, so I fell under a financial hardship in XX/XX/XXXX due to Covid. I called my mortgage lender Citizens Bank. I was offered a forbearance the end of XX/XX/XXXX, I applied for the Stand Alone Partial Claim in XXXX of XXXX. I have called my mortgage company weekly since I started the forbearance on XXXX. I am currently 4 months behind on my mortgage but I have been making my payments regularly since XXXX of XXXX. I call my mortgage lender weekly and they refuse to give me any information or tell me where I stand with my Stand Alone Partial Claim. Citizens is continuing my forbearance yet cant tell me what is going on with my account. I call weekly and no one can help me. Every single person gives me different information. This in my opinion is extremely unprofessional for such a large mortgage lender. I cant imagine how many other customers are struggling in the same situation I am. I have never had a company refuse to give me information regarding my own loan. They say they will have some one return my call and yet I never receive a call back. When ever I do speak with someone it is a call center out of country and the agents barely speak English. Its beyond sad that a company can lie and give so much misinformation. Please help me get this figured out. I dont know where to turn for help. 
Thank you XXXX XXXX XXXX