23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have an issue with Discover Student Loans. They have misrepresented my loan and the amount owed to the credit reporting agencies by claiming I had over 6,000 dollars of principle added to my account an have placed over 5,000 dollars of interest that were supposed to go to the principle balance. 

My loan was for XXXX and I paid back over 24,000 dollars. In my billing statements Discover reported that I paid XXXX dollars in principle and over 10,000 in  interest which would have put my principle amount owed to XXXX. They were reporting that I owed over {$18000.00} with about {$14000.00} still remaining on principle. 

I sent in certified letter on XX/XX/XXXX to Discover Student loans to find out where this error came from as I never did a refinancing loan ( consolidation or rehabilitation, etc. ) with there company and asked them to provide proof if I did so. In addition, I told them I wanted a hard copy of my contract with them for review. They did not respond to my letter. I called their company on XX/XX/XXXX and during the conversation the representative said, they received my letter and will sent me the requested documents to the address I gave in the letter. They did not sent out contract and documents requested. 

On XX/XX/XXXX, I called Discover Student Loans again and asked them to receive a hard copy of my contract I signed to obtain my student loan with then and any documents saying I asked for additional funding for my student loan. I asked them directly do they have any documents stating where the extra XXXX dollars of principle came from. They said they did not know, and that it could have been a glitch in their database as they had no records of why my principle amount was altered. They said they would send me my contract in the mail again for my review and would looked in to rectifying this problem. I told them to mark my account as disputed to the credit reporting agencies until this issue was completed. The representative said it would take 3 days to go into affect. 

After checking my credit reports ( XXXX, XXXX, XXXX XXXX ) and not seeing that this account was mark as disputed, nor reviving any information from Discover on this matter, I sent in a second letter which they had to signed for on XX/XX/XXXX demanding a hard copy of my contract with their company and to have the account mark as disputed or be in violation of the Fair Credit Reporting Act 623 after I told them that the account must be reported as disputed. I have repeatedly asked them to show the evidence that I owed XXXX dollars to them and they have chosen to ignore responses and violate the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having fraudulent information on my report that I've tried removing for months. I've provided everything and still no remedy. What can I do to change this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I requested my mortgage company, XXXX XXXX, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on Experian ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time.

1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.
Product: Money transfer, virtual currency, or money service

This girl steals, cheats, and cheats on people on XXXX XXXX pretending that she donates a phone and only requests money to send the phone and sends photos to you that she is inside XXXX and sends you a fake XXXX XXXX and XXXX requests more money than the agreed amount because the transfer price Requires more and then block work ... she asked me to download CASH APP and do transfer money through the app her name on app ( $ XXXX ) and her name on XXXX XXXX XXXX and when i send to her friends on XXXX to explan to them, they said her account was scaamed .. her took from me XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 270 days of me going back in fourth with Equifax on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my mental health. I know Equifax has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several emails to the CEO and payment center. I mailed a couple of letter no responds I investigated the information it keeps coming back no change.

I have 2 accounts with this company on my credit report. both accounts are showing paid in full 1 of the accounts is showing 3 payments with 30 days late 2 payments 30 days late on the other account then no payments then paid in full
Product: Bank account or service

TeleCheck is declining my checks for even the smallest transactions. XX/XX/XXXX at XXXX in the amount of XXXX at XXXX XXXX XXXX. The reason they say is insufficient history and will not guarantee any checks will be processed. As I am awaiting my debit cards in the mail, XXXX days, I have no other form of payment and this company is unjustly holding my money hostage. I have good credit, own XXXX homes and have a significant balance in my checking account. Therefore, I have good credit history and should not have checks declined for {$69.00} and is completely embarrassing to approach a check out with a carriage full of groceries and be declined! 
In researching, the issue numerous people are complaining about these same issues and something needs to be done. I see TeleCheck was fined XXXX in XX/XX/XXXX for this same issue and they have not improved. Either they need to get their act together or be subject to additional penalties and/or taken over by a competent organization. 
If reasonable resolution can not be found with this company I will also be contacting my lawyer to seek punitive damages as well as contacting my senator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account was paid on time and in full and agreed to be removed from credit reporting. In XX/XX/XXXX the account was reported incorrectly in error with another account. I have spoke to Comenity Bank in regards to this issue. In the conversation the account was corrected and the balance was paid as well as closing the account. I was advised the account would be removed in error from the bank and no negative reporting would be done. As of XX/XX/XXXX the account still shows on my report. After many attempts going no ware i am now filing a formal complaint.
Product: Debt collection

I sent a validation letter on XX/XX/XXXX to Santander USA. They were unable to provide proof of validation. On XX/XX/XXXX I called XXXX XXXX which was the creditors that the so called charged off account of 2 or more years was sold to with a balance. How was this possible? I called Santander Consumer USA on XX/XX/XXXX as well and asked the representative and had questions about the carry-on of this debt and how was it validated and how was it sold if it was in question allegedly charged off? She could not provide me with any information of accuracy ( address or phone numbers ) on this account. I was immediately transferred to a supervisor even though I did not ask for one. Once I spoke with the supervisor she also did not provide me with the information either on any of these reporting or findings could be proved. Was in a hurry to get me off the phone when I was asking questions about this account.
Product: Credit card or prepaid card

i applied a chase saphirre preferred card on XX/XX/XXXX, and according to the application as well as the offer on chase website ; the card carries no annual fees on the first year and {$95.00} thereafter. However on XX/XX/XXXX ; I was assessed a {$95.00} annual fees. I called Chase credit card and they are saying I was not eligible for the first year free annual free. I am confused why the web site and the offer as well as the branch saying it's free of annual fee and the credit card dept saying it's not free on the first year. I think they are engaged in deceptive practice.
Product: Checking or savings account

Subject : Complaint Regarding Missing Funds Due to Capital One Service Disruption To Whom It May Concern, I am writing to file a formal complaint against Capital One Bank regarding a significant delay in the processing of my direct deposit, which has caused me financial hardship. 

On XX/XX/year>, my employer issued a direct deposit to my Capital One account. However, due to a service disruption caused by Capital Ones technical issues, the funds were not made available to me as expected. This delay has : XXXX. Caused me to miss payments on these specific bills : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Resulted in potential late fees, and damage to credit. We were also forced to cancel plans. 
XXXX. Created stress and inconvenience, as I have been unable to access the money I rely on to meet my financial obligations. 

I have contacted Capital One multiple times to resolve the issue, but was left in queue for hours with no responses. I have not been provided a clear timeline for when my funds will be deposited, nor have I received assurances that these disruptions will not continue. 

I am requesting that Capital One : XXXX. Immediately release the funds that are being withheld. 
XXXX. Reimburse any fees or financial losses I have incurred as a result of this delay. 
XXXX. Provide a detailed explanation of what caused this issue and the steps they are taking to ensure it does not happen again. 

I believe that Capital Ones actionsor lack thereofconstitute a breach of trust and transparency. I urge the CFPB to investigate this matter and take appropriate action to hold Capital One accountable for the harm caused to myself and countless other consumers. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX Balance {$270.00}
Product: Mortgage

The Mortgage Company, Flagstar, refuses to send to me a monthly statement. I have spoken to a customer service representative and demanded the monthly statement. I have not received one in months. Perhaps I am merely being XXXX but I doubt that I am the only person experiencing this problem. No doubt Flagstar found it to be a cost savings move to stop sending statements. But, I think more is behind it. Without a monthly statement, I was late on a payment, which resulted in a penalty. This is the first time this has ever happened to me. Perhaps, this is a deliberate policy on Flagstar 's part. First, they save money by not sending statements ; then second, people will inevitably be late in payment, resulting in a windfall to added late fees. In light of other widely reported banking illegal practices, such as at XXXX XXXX and XXXX, I don't think that my suspicions are unwarranted. At the least, I want my monthly statement, but I believe that an investigation may reveal a more widespread practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I reached out to Lexis Nexis via phone. I called XXXX and was transferred and told the correct number to reach someone who handles my issue was XXXX. I was transferred to Representative XXXX. I informed her that I received my Lexis Nexis results stating they had removed both bankruptcies from their credit file and that correspondence was dated XX/XX/22. I asked the representative since they are the FURNISHER of bankruptcies for XXXX, XXXX, and XXXX did Lexis Nexis send an update to them to either remove or update that it is has been found per Lexis Nexis investigation that it was unverifiable. The representative XXXX stated no and that the credit bureaus have access to my Lexis Nexis file and can pull it up. I requested that they send an update to the three major credit bureaus informing them of this update, representative XXXX refused. I asked for the compliant department and she informed me to send an email. I requested to speak to a supervisor and she placed me on hold for over 3 minutes before hanging up on me. In the state of Maryland hanging up on someone is XXXX. 

FCRA 623 ( a ) ( 2 ) ( B ) a furnisher of information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions.
Product: Debt collection

I owed XXXX University money on an outstanding balance that I was paying monthly at a rate I could afford. Their request was upwards of $ 600/month. I was at about $ 100/month. I paid them approx {$480.00} mid XXXX & was notified by mid XXXX that my account would be going to collections.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for the loan XX/XX/XXXX or XXXX go the deposit for {$450.00}. I tried to cancel it but only option was pay {$490.00}. A {$45.00} interest. State law in Missouri make loans have a next business day to cancel with no payment.
Product: Debt collection

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.
Product: Debt collection

XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXXXXXX XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a XXXX payment record. I tried contacting XXXX, Equifax, XXXX, and XXXXXXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX
Product: Debt collection

I have an account through CredX, which is collecting for XXXX. I 've received several phone calls where if I do n't agree to their terms ( I need flexibility ) then they start yelling, interrupting, and using tones that aggravate me when all I 'm trying to do is settle the best that I can. 

VERY FRUSTRATING.
Product: Mortgage

Our records that we found indicate that we purchased our home in XXXX for {$320000.00} and our servicer was XXXX. Then records indicate that we refinanced our home on XXXX XXXX XXXX for {$460000.00} with XXXX. Records indicate that in XXXX, XXXX went chapter XXXX bankruptcy in XXXX Delaware. The trustee for XXXX sent us an email stating that they sold our note and Deed of Trust to XXXX XXXX in XXXX. Documentation reflects that we contacted XXXX XXXX XXXX multiple times which was at that time a servicing company that was owned by Goldman Sachs. We requested in writing ( certified mail ) from XXXX XXXX XXXX, to provide us assignments of all the investors that owned our note and Deed of Trust since XXXX. XXXX XXXX XXXX failed to provide the documentation that we requested. Then we contacted XXXX, our trustee by email. We requested to know who was the current investor of our note since the trustee collects the payments from the servicer and maintains investors/security holder records. XXXX stated in the email that the investor was XXXX funding. I found out that XXXX funding and it 's affiliates also went chapter XXXX in XXXX Delaware in XXXX. Goldman Sachs then sold XXXX XXXX XXXX to XXXX XXXX XXXX. We requested in writing ( certified mail ) assignments of all investors since XXXX. XXXX stated that XXXX loan trust XXXX owns our note and deed of trust. This is incorrect because this note and deed of trust is ONLY placed within this trust and are NOT the investors. This reflects on the original note and deed of trust that the servicer must go by! NOW ; even though we had a modification, the modification does NOT in anyway reflect who the current investor is and if the investor obtained this note legally! The current investor must prove legal ownership of this note and deed of trust by providing a copy of all assignments going all the way back to XXXX! Then we sent Goldman Sachs a letter by certified mail requesting to know who is our investor and provide assignments going all the way back to XXXX. As of today, we have not received the assignments ( proof of ownership ) that we requested from Goldman Sachs. The assignments that we are requesting would reflect who our current investor is, who owned this note prior, dates when purchase, dates when sold, going all the way back to XXXX. I believe that XXXX, Goldman Sachs, XXXX XXXX servicing and XXXX XXXX XXXX do not have these assignment records of who owns or owned this note! We believe fraud has occurred! We are still requesting all assignments going all the way back to XXXX. Now ; as I stated before, the trustee for XXXX sold this note and deed of trust to Goldman Sachs in XXXX. If Goldman Sachs did sell this note during the financial crises, then Goldman Sachs may have misled the new mortgage bond investor during the financial crises. Goldman Sachs must be required to provide the documentation ( assignments ) that we are seeking going all the way back to XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXXXXXX XXXX XXXX XXXXXXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Mortgage

I have my mortgage payments set on auto pay with my lender. BSI by weekly from there. The mortgage payments is put into a file type. That does not report the payments for some reason. I paid my mortgage XXXX the full payment and half of the XXXX payment BSI the lender reported my mortgage as not paid when in fact, my mortgage was paid for 2 months. And I have statements from my bank account where I paid the full XXXX dollar. I called BSI spoke with a lady by the name of XXXX. And she confirmed that they did have my payments on file for XXXX and half of XXXX. And the other half of XXXX will be taken out on XX/XX/XXXX. She didn't confirm that their system reports late payments if the payment is not paid. However, again they had my payments which was withdrawn from my XXXX XXXX account and XXXX confirmed it on XX/XX/2023 Then she stated she was going to call the billing department so that they can release my payments Again, I said that to say this BSI is withholding my payments and their consumer payments. Then reporting default and delinquent payments to credit bureau 's. Which is false information because indeed they have these payments. They're holding the payments so that they can XXXX their consumers. And I have documents.