23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I just re-applied for the REPAYE program. The year prior, my student loan payments were manageable. But I recently discovered that my loan servicer, Nelnet, that my new loan payment had nearly quadrupled. I was in shock. They stated that based on " their '' calculations, that they used my Adjusted Gross Income to come up with this number. By my estimation, this number is completely inflated due to the fact that Adjusted Gross Income does not account for all of the taxes that are taken out of your check. Mind you, this is even with having two children. Not only that but I was told that my only alternative was to apply for a Deferment, which would add even more interest on to my loans. Otherwise, I would have to default, where the corrupt US Department of Education can demand full payment and or garnish my wages. This system is rigged against people like myself, who are diligently making student loan payments on time, every month! I ca n't even refinance. I may have foolishly went to a for profit school, but unlike corporations, big banks and our current President, I can neither file for bankruptcy, discharge, refinance or default on my loans without being severely punished.
Product: Credit card or prepaid card

On XX/XX/XXXX Amex enrolled me into the following offer The offer to receive an annual statement credit is only available to Corporate Card Members who apply for a new eligible Personal Card. However, as a valued Card Member, we are able at this time to extend this offer to you as a courtesy for your existing Personal Card account. There are additional offer terms that I will now read to you. 
With this offer, you will receive an annual statement credit of {$150.00} for Platinum in each year that you maintain both your current Platinum Account and your current Corporate Card account. The annual statement credit will be posted to your Personal Card account within 8-12 weeks after each anniversary date of your Personal Card Membership, starting after your next anniversary date. To be eligible for the annual statement credit, both your current Platinum account and Corporate Card account must not be cancelled or past due at the time a statement credit is posted. 

On XX/XX/XXXX, an Amex rep confirmed that I would receive the credit within 12 weeks of renewal. On XX/XX/XXXX I wanted to cancel my card but since I would receive a credit of {$150.00} on renewal, I decided not to cancel my card. On XX/XX/XXXX when I contacted Amex, the representative made up excuses for the missing credit. First he said that I didn't apply for a new card ( I pointed out that the rep enrolled me for an existing card ), then he said I didn't wait for 12 weeks ( I did ) and finally made up that XXXX XXXX XXXX cards are not Platinum cards and are ineligible. When asked why 1. The initial rep enrolled me into the offer even though it wasn't " supposedly '' a Platinum card? 
2. Where it said that it was excluded in the terms of the offer? 

the rep had no answer. He made up things like oh we see this only internally and XXXX XXXX XXXX is not a Platinum card ( even though Amex markets it boldly as " The Platinum Card from American Express Exclusively for XXXX XXXX '' at XXXX : XXXX I was escalated to someone claiming to be a supervisor but that person was worse than the non-supervisor rep. All that person did was tire me out by waiting 10s of minutes between responses and pasting the previous reps statements word to word or random boilerplate platitudes.
Product: Student loan

I submitted a XXXX XXXX XXXX application on XX/XX/XXXX to Mohela who then forwarded it to XXXX. I had been approved for the XXXX XXXX XXXX of other loans for XXXX XXXX XXXX on XX/XX/XXXX for schools engaged in unlawful conduct and violations of state consumer protection laws. I am pursuing the same discharge for the private student loans of which my school is part of several lawsuits which recognized the unlawful conduct. XXXX had stated that only individuals who had defaulted on those loans would receive the discharge which is unlawful under the lawsuits and rulings that have been made. 

A class action lawsuit was filed on XX/XX/XXXX, case no. XXXX, against XXXX for the denials that are unfair, inconsistent with widely available evidence, and violate consumer protection laws. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled my XXXX XXXX  credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between XXXX and XXXX. 

Through this program, XXXX began making regular payments to XXXX to reduce my debt. Despite these regular payments, XXXX continued to report delinquencies on my account to Experian. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with XXXX on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by XXXX contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my Experian credit report.
Product: Debt collection

Debtor is trying to collect a debt which I have no contract with this creditor. 
XXXX XXXX XXXX. XX/XX/2015 -- - {$350.00}
Product: Mortgage

I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number XXXX
Product: Debt collection

I have contacted the companies below via US Mail to first validate the date and then to offer a settlement amount so that I can be rid of these derogatory marks. After disputing with the three major credit bureaus, the debt comes back verified by their standards each time, however the collection agencies have not provided any documentation of the debt validation to me. In addition, I have mailed a letter requesting a settlement of the debt and they will not respond. The collection agency must respond within a certain timeframe in order to validate the debt and it appears that they can just continue to ignore my efforts to confirm what these debts are for and to come to an agreement on satisfying them. The most recent letters were mailed on XX/XX/XXXX. Previous letters were mailed XXXX, XXXX and XX/XX/XXXX. XXXX and XXXX has reported under several different names, including XXXX XXXX, XXXX and XXXX XXXX. This agency also continues to add additional amounts to the debt every few weeks, when is it obvious that I do not owe this company a dime and have never had any contracts or communication with them. 

XXXX and XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX
Product: Debt collection

XX/XX/2021, voicemail " hi this message is for XXXX XXXX i'm calling from Loan Depot, please give us a call back. The number is XXXX, thank you. '' I called this number and the representative only identified themselves as XXXX. She took my name, social security, etc. Asked permission to call me on the phone and if I was the subscriber. Weird! I thought I just called a scammer back. After arguing with her about the personal information being excessive and not asked previously with other phone calls to company. I requested a manager and refused additional information. Then she told me I was late on XXXX mortgage payment. 

I had to ask her what company and what department she was with. She did not provide this information voluntarily or upfront, but told me Loan Depot and collections. It was her or the other person XXXX that informed me that I was reported late to the credit bureau and would again be reported if I did not make the payment. Despite me telling them I had not received any refund from the company thus the XXXX payment was paid. My bank paid the amount in XX/XX/2021. The only solution I had was to pay more money or have further negative reporting. I was told they would send information to the department dealing with the situation and someone would call me back within a week. I asked who and they stated they did not know. 

I asked how would the credit reporting be corrected and was told to contact the credit agencies and dispute. They would send a note and see if company would reverse reporting, but only if company determined they were at fault. 

I paid the money as I don't want the negative reporting affecting my employment. They now have an extra payment again that is not applied to my mortgage. I have received no refund check despite their claims it was sent. I was told the check showed uncashed, but I still had to make the payment or further negative credit reporting could result. The only reason I made the payment was because Loan Depot would continue negative reporting to credit agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I was scammed in purchasing a concert ticket for {$50.00} using PayPal. The seller collected the money from me and didnt issue the ticket as promised. After that, the seller removed his/her XXXX profile that we were communicating through. After contacting PayPal, they told me to contact my financial institution.
Product: Debt collection

I received a Notice of Court Proceeding to Collect Debt today via certified mail, from Midland Funding. 

The notice says Midland sued me in the XXXX Ohio Municipal Court and won a judgment for {$460.00}, on XX/XX/XXXX. 

I have no knowledge of this alleged judgment. 

I looked at the XXXX Court records and the only lawsuit filed against me by Midland in XXXX, was for a different amount, on a different date, and was dismissed in XXXX for want of prosecution. 

I do not know what that suit was for either, but it is clearly not the same as this debt Midland is trying to collect. 

I don't understand how Midland can attempt to garnish my paychecks over a debt I have not been sued for and for which they have not proved that I owe. I do not know what the alleged original debt is for.
Product: Credit reporting or other personal consumer reports

Finally, please note that although the account was sold to a third-party servicer, we are not affiliated with them nor their practices ; we also do not engage in abusive collection practices. We are also not affiliated with XXXXXXXX XXXX XXXX the party mentioned in your complaint filed with the XXXX XXXX XXXX. As you have no further financial obligation to XXXX XXXX, XXXX, and we deleted the tradeline associated with your account and as this is all we can do we deem this matter closed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Account got hacked by XXXX XXXX  everytime they sent me a new capital one card XXXX XXXX  was able to update the card information and still able to charge my card everytime they tried to block XXXX XXXX  but failed had no other option but to close my account even though i didnt want too. Capital one wouldnt allow me to reopen the account or take it off my credit report
Product: Mortgage

I have been unable to contact anyone at Dovenmuehle Mortgage to discuss my loan after many attempts. They do not answer the phone. Apparently I am not the onlyone having issues. 

XXXX XXXX XXXX This company should be investigated to determine why they have no mechanism for their customers to contact them.
Product: Mortgage

on XX/XX/year> I opened refinancing with Loan Officer XXXXXXXX XXXX XXXX XXXX things was going well until XXXX XXXX of Lakeview Lending called me out of the blue saying he would beat Loan officer XXXX quote of XXXX XXXX He sent me a quote 6.62 % single family XXXX XXXX XXXX, XXXXXXXX XXXX and 6.62 % commerical XXXX XXXX XXXX XXXX, XXXX, I went with him and it was the biggest mistake. Before closing he asked me to pay the taxes for the XXXX properties about {$12000.00} that it is XXXX XXXX policy otherwise he can not close escrow and at closing the money would be refunded to me. He asked the insurance broker to make a new policy and send the bill to escrow she did saying it will be paid at closing, he asked me to pay the appraisal fee and i would be funded at closing, he lied to be about the interest by quoting me 6.62 % even when he was going through the closing document He showed me 6.62 % for commercial. He showed me a different document but at closing he produces a different document after i have trusted him and the document shows 7.72 %. Had lakeview lending showed me 7.72 % when he was going through the documents with me before signing i would have cancelled the transaction. Interest rate was going down i was not in hurry. He is a crook.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting on my Equifax Account
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/year> - {$0.00} BANKRUPTCY - XXXX - XX/XX/year> - XXXX
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, Non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Capital One ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 

XXXX ( Bank XXXX XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 

XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.
Product: Debt collection

The company Portfolio Recovery Associates acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.
Product: Credit card or prepaid card

Bank of America card, XXXX XXXX account, XXXX XXXX card opening in my name. 
Someone applied for XXXX card in my name. 

Someone hacked into my XXXX app and changed cell phone number contact Several alerts that my phone number is on the dark web
Product: Credit card

i have 2 capital one credit cards. i was fortunately able to pay off the balance of both. but after the end of the billing cycle, they charged even more interest on a XXXX balance amount. the first credit card payment was a few days late so i can understand interest should be accrued although it was substantially high. the next was paid 11 days earlier than due date. still i was charged an amount of interest on a XXXX balance. i have had credit cards before and nothing like this has ever occurred. i feel cheated and mislead that our banks can get away with this. i have closed 1 of the accounts and will do the same for the other once i get a good replacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

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 US Dept of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a dress on below website : https : XXXX I placed this order on XXXX XXXX and after 3 months still I have not received my order. I contacted merchant several times. They supposed to ship this dress on XX/XX/2023 which they didn't. Then they said it takes another 13 weeks to get the order. I wait for another 15 weeks and still after 3 months I have not received the order. I did some investigation online and find out they are scam and there are so many other clients had the same experience, they paid the money and never received the product nor their refund.

I tried to dispute this transaction through affirm, I sent them all the evidence and the last email that I sent to merchant regarding opening a law suite against them but they have not resolved my issue and still they didn't dispute this transaction. By law they can not force me to pay for something that I never received.
Product: Checking or savings account

I visited CHASE BANK and was discriminated against by an NMLS agent # XXXX XXXX XXXX. She prejudged me in violation if title 18 subsection 242, 1985 and judged me based on my skin color, and voice deflection. I was immediately removed from the building without explanation other than her objection to the sound of my voice.