23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a mortgage being serviced by ditech. After the escrow review, there was a shortage found and we were asked to pay it up front or have our payments go up. The document stated if the shortage was paid by XXXX/XXXX/2016 our payments would be {$2700.00}. If not they would go up to {$2700.00}. We paid the shortage of {$1000.00} which was applied to the account on XXXX/XXXX/16. But the statement sent to us is demanding {$2700.00}, the amount for not paying the shortage up front. I 've called the customer services department and they claim it was applied to the wrong place and they say I still have to pay the extra amount and said it would come off my next statement. But their own billing statement shows the {$1000.00} applied to the escrow. They still increased the payments as if we did not pay the shortage in full. In essence, they are trying to steal {$48.00} from us each month. In this process, they have also suddenly changed my account number, which will be given in a later step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is once again reporting false information. I keep having this dispute with them. They are now reporting that my balance on my XXXX XXXX account is {$440.00} despite knowing this information is incorrect. I dont know why its legal for them to knowingly report false information, They keep doing this. It is abundantly clear from the letter I received from the Collections company that was collecting this debt that I only owe {$350.00}. Equifax reported correct yesterday now in retaliation for me filing a complaint against them they are once again reporting false information. I am so tired of dealing with this. I am getting ready to pursue legal action against them. Read the letter from XXXX XXXX. They show a balance of {$350.00}. XXXX Equifax them selves showed a balance of {$350.00} today they show a balance of {$440.00} ( see screen shot. ) They know this balance is incorrect yet they allow it to be posted anyway.
Product: Credit card or prepaid card

I called my credit card company discover and asked why my card was declined because I had made a payment days previously. After getting information I also asked about information if i wanted to close my account. Next thing you know I receive an email stating my account was closed. I never authorized them to close my account. I called them the next day and asked why it was closed. They said they would look into it. I called a few days later and they stated it was closed and there is nothing they can do. This will now affect and hurt my credit report/score. I never had intentions of closing the account. I was never read a disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NATIONSTAR MORTGAGE LLC, 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 NATIONSTAR MORTGAGE LLC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and NATIONSTAR MORTGAGE LLC with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit card

Hello, I had a credit card with Union Plus. Union Plus was purchased by Capital One. I missed a few payments because I was out on maternity leave and never really got caught up. I tried to get on a payment plan but there was not XXXX available for my financial situation. My account was charged-off by Capital One but they did not ever put my account in their Collection Department or Recoveries Department and both exist. I believe put my account their because it was not an original debt with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit card in the mail. Tried to login in online. Only to find out that someone has stolen my identity. XXXX XXXX told me to contact you and see if my SSN. Is being used else where. This person had my name, address, phone number, ssn. This persons email that applied is XXXX XXXX
Product: Credit card

I just received a notice from Capital One notifying me that my credit card and personal information were involved in a data breach at a business which I had made a purchase at recently. The letter was informing me that they were canceling my card and re-issuing me a new XXXX as a security precaution. The letter ( and subsequent ) email which I received from them did not name the merchant involved in the data breach. When I called to find out what merchant it was they would not divulge the information and said that they had no way of knowing which merchant it was who had the data breach. Well, that seems a bit illogical considering that they must know which merchant it is if they are aware that said merchant had a data breach and it was a threat to their system ...,
Product: Credit card

I submitted a dispute transaction claim on XX/XX/XXXX for XXXX. Capital One sent me an update letter on XX/XX/XXXX that did not credit the entire amount and closed the case. I faxed an appeal statement on XX/XX/XXXX consisting of a signed and dated letter and supporting documentation. This was in lieu of uploading my supporting documents online as the company repeatedly had technological issues. The company sent an update letter on XX/XX/XXXX stating information was lacking, they are unable to assist, and closed the case.
Product: Credit reporting or other personal consumer reports

My identity has been compromised since before 2008 when I was XXXX  for 4 years and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX XXXX, and who know what else that I have-not found or seen yet.
Product: Mortgage

I applied for Covid related mortgage assistance through Mortgage Assistance Alabama on XX/XX/XXXX. I received a postcard from them in the mail on XX/XX/XXXX, stating that XXXX customers were able to apply for mortgage assistance if they had been unemployed after XX/XX/XXXX. I had been let go in XX/XX/XXXX and had been receiving unemployment benefits until Alabama ended benefits in XXXX. Since then I have had no income. I have submitted, then resubmitted forms. I have been instructed to sign forms regarding income and pay that are NOT mine ( pay or income ), and when I asked the processing agent ( XXXX ) why would I need to sign off on forms that don't even have my name on them? I was told that was what underwriting wants ( XX/XX/XXXX, @ XXXX XXXX  ). I struggle with why underwriting would require that. 

Today, XX/XX/XXXX, I was also told, on my call for clarity about what needed to be redone today, to complete a statement stating that I am not required to file a tax return. I am and do file taxes. I asked, " why would I do that? '' To which there was no immediate answer. I did not get the agent 's name, said she would need to send an email to someone to get more information and for me to wait for a reply. 

I have, so far, been able to make the mortgage, but my savings are depleted, and soon late fees and credit hits will happen because I'm still completing/re-completing and re-signing forms as the XXXX of the month and its grace period rapidly approach and we are late! 

The entire ordeal seems like a huge run-around and a way to avoid disbursing aid to needy taxpayers while pretending to try. It feels as though there is a hope that I will either give up or purger myself and therefore disqualify and legally harm myself. I have been printing, signing, scanning, and running to print shops in order to complete this never-ending application for aid for 10 days now. No application for help should require 10+ days and unending money for scanning and printing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

To whom it may concern : My name is XXXX XXXX and in XXXX XXXX I went to XXXX XXXX XXXX ( XXXX ) XXXX to inquire about information regarding financial aid. I was directed to fill out a FAFSA application, which I did. The office told me I was eligible for around XXXX in financial aid. I asked them if it has to be repaid because I told them if it was a loan I wanted no part of it and I was told " No '' At the end of the semester I had money left over and I went back to the office to tell them this and ask them what to do with this and I was told " It is yours to do with as you please '' I again asked them if this had to be repaid and I was told again " No '' I went back to XXXX the next semester and I was not eligible for anymore financial aid, so I paid for my classes out of pocket. On XXXX/XXXX/XXXX I received a call from Nelnet telling me I was 33 days past due on my student loan. I told them I did n't have a student loan it was financial aid and I was told this did n't have to be repaid. They informed me that it was a student loan and it had to be repaid. I asked them for information they had about this and I was told to go to XXXX and talk to them. On XXXX/XXXX/XXXX I went to XXXX with my father and spoke with XXXX XXXX a financial aid advisor and explained what had happened and she printed out these forms that said Direct Loans on them ... this was the first time I had seen these and told her I did not fill out or complete any loan application as I told them form the beginning I did not want a student loan. Now I 'm in a situation where I will not go back to XXXX due to their deceptive nature and I am being harassed by Nelnet demanding money I do n't have based on the misleading information I received from XXXX. I am asking for any help you can give me with this as they will not help me in any way at all. Please feel free to call me at XXXX or email me at XXXXXXXXXXXX with any questions Thank you XXXX XXXX
Product: Student loan

I filed for student loan forgiveness in  XXXX  and final approval for it was on  XXXX   XXXX ,  XXXX .I got letters from t he U.S. Treasury that  they were going to start taking money out of my  XXXX   XXXX  check in  XXXX    XXXX  . I called and spoke to Navient and  XXXX   XXXX   XXXX  also about it and kept getting the run around. I told both of them that I had letters from them stating all was cleared, kept getting well when  XXXX  sends a letter stating all is forgiving we will stop taking money from you. Then I get hold of  XXXX  and they say the opposite of what Navient told me. So I got money taken out in  XXXX  of this month and again they are taking money out this month.   I called and spoke to a lady at Navient yesterday and was on the phone for over 45 mins and kept getting put on hold. She said one second please and it was more the a second, I hate it when people saids that. So finally she comes back on the phone and said we are updating your information just now and call back tomorrow. Same ole story on hold from  XXXX  and then get yes you were approved and it was just up dated yesterday. There is a process for a refund going on right now, and it will take up to 30 days for th e Dept of Treasu ry to stop taking money once we send it to them. I wish that both of them could get in serious trouble and fined and the people they are  XXXX  gets quadtriple the money back they took. And that they will continue to take money out until then.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX the amount was for XXXX i had placed an order for XXXX vaps. I waited past the supposed delivery date. I then contacted cash app to recieve my money back and put a cancelation on payment. It is now XX/XX/XXXX and never got product or my my money back.
Product: Debt collection

On XX/XX/2020, we received a letter from Credit Management in XXXX, TX dated XX/XX/2020. The letter claimed that we owed XXXX XXXX {$260.00}, but we have never been an XXXX XXXX customer. We would appreciate your help.
Product: Debt collection

According to XXXX, I owe {$78.00} to Centralized Business Solutions. This payment was confirmed ( both by my attorney and the Collector ) that that account was flagged under my Chapter XXXX. 

The account still shows as open and derogatory on my XXXX credit report. According to the collector, I must report this to have it corrected on my credit report. 

Please evaluate and correct this. Below is information that will aid in your investigation : My Name : XXXX XXXX XXXX My Contact Number : XXXX My Attorney Name : XXXX XXXX My Attorney Phone Number : XXXX Collector : Centralized Business ( on behalf of XXXX XXXX ) Collector Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX Collector phone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Product: Consumer Loan

- called Ally Auto to have a deferred payment on XXXX XXXX. 
- called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
- ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681n 15 usc 1681o.
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.

XXXX XXXX Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have student loans from Navent. I am XXXX and only have XXXX income. I have been out of school for at least six+ years. I have attempted for YEARS to find help in any way to assist me with figuring out these loans. Everytime I have spoken with Navent they say they will send me information on program assistance or forgiveness for these loans and then they connect me with a recording that you have to agree to some kind of forbearance ... which honestly I do n't really know what that means for my loans but if I do n't agree they continue to keep coming at me for the loans with multipal calls per day from XXXX to about XXXX 7 days a week from all over the US. I have requested these so called assistance paperwork many many many ... times in these 6+ years and have yet to see any information for this. I only receive bills. I only went to school for about 3 quarters and my loans were under {$12000.00} well my latest principal is now {$24000.00} with a current payment due of {$1100.00}. I do not know how to actual figure this assistance out because I have just been told the same thing everytime ... they will send me paperwork and I need to do this forbearance each time. My income from XXXX is only about {$800.00} and that is before my Medicare premium. Please help me or let me know what I am suppose to do to actual resolve these problems.
Product: Prepaid card

There was a Teller withdrawal at XXXXXXXX XXXX  and my wallet was lost in the grocery store, some went to the bank and withdrawal {$4000.00}, and i filed a dispute and asked for a new debt card i still haven't received yet.. they closed the dispute saying I was at fault, they always are disgusting and disrespectful and discriminating against me, they don't even know who I am, Im so respectful when I'm on the phone but don't get it in return.
Product: Debt collection

On XX/XX/XXXX Prizm Rep, XXXX XXXX stated in an email that XXXX would likely, " write-off the deficiency '' for a vehicle I voluntarily surrendered. This was supposed to be a compromise and settlement to previous unethical and illegal practices I experienced by XXXX XXXX. However on XX/XX/XXXX I received a letter from XXXX XXXX, Prizm 's " Legal Collections Manager '' that stated I owe {$9100.00} to XXXX because " The proceeds from the sale of the vehicle were insufficient to satisfy your loan obligations. '' I was led to believe this issue was resolved however it was just another ploy to take advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested method of verification of " late payments '' of the account XXXX # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the Equifax via/ dispute that they are reporting my personal info and address inaccurately via/ signature required registered mail several times but did not get no cooperation from Equifax to use the many ID and documents provided to them to correct their file, I filed a complaint with CFPB on XX/XX/2021 complaint number XXXX, the company have done nothing to correct their report and still as of XX/XX/2021 are reporting my personal info such as date of birth and addresses which these inaccurate personal info are linked to several accounts from same provider, out of those the most recent account # XXXX and account # XXXX that are linked to the inaccurate personal info are still being reported as accurate .some of these account shows good report that are 5 or more old but just now as of this month have appeared in the report, I have been refused getting the free annual full credit report but they are forcing me to become a monthly based service fee as member in order to see my report, I am not able to refinance my house because of their refusal to correct their file.
Product: Debt collection

My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balanced : {$140.00} XXXX
Product: Debt collection

Bank of America : Statue of limitation has passed on the item in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to lift a credit freeze with Experian and tried to call for over an hour to do so. Their phone tree gives you the option to start one but not stop it. I have tried to talk to a live person via two numbers without success. I just get routed around their phone tree an eventually it hangs up on me. This is the worst phone tree in the history of phone trees. They need a e-mail or live chat option. It feels like they go out of their way not to talk to you.