23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received a letter from my LoanCare that they had resolved my payment issue in a previous compliant to them filed with cfpb in XX/XX/2019. However I have never been late on my payments and now they are applying each of my payments to the month before. Example. I made XXXX 's payment they are applying to XXXX. this problem occurred when i made my escrow & payment on XX/XX/2019 in the amount of {$53000.00}. When i made that payment i brought my payments current as well as paid off my shortage and should not be a month behind. I spoke to several individuals since then, one in particular was a woman who claimed to be a manager by the name of XXXX whom left me a fake extension number to reach her ( no body ever heard of a manger by that name nor that extension number ) spoke to her on XX/XX/XXXX, she also said that this needed to be corrected and that she was going to put in a ticket to resolve the issue. I haven't heard anything since.
Product: Prepaid card

I was gifted 2 {$500.00} amex gift cards, Ive tried different merchants with no luck. With XXXX it accepted {$43.00} and not the whole amount even with the card being activated and completely unused. You call and all they say is use another payment method or merchant.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

American Express is offering me a payment plan called the CARE Program, which stands for Customer Assistance Relief Environment. I had some American Express credit card debt which was then sent out to a third party, XXXX XXXX XXXX. 

I have been making monthly payments consistently with XXXX. This month, they offered me to elect to join the CARE program, which purports to be a monthly payment program which will alter my interest rates on the debt. They told me some of the terms on the phone. It sounded like they were offering to waive all late payments, but they said that the terms might change if I did not make my payments on time, so I was suspicious. I asked the people at XXXX XXXX if I could get a written disclosure either digitally or in writing that contained the terms of the payment program. They told me they could not send me the terms until I agreed to join the program. I told them multiple times I did not want to sign up for anything without reading the terms, and they told me they could not send me the terms until I was in the program and kept stressing to me that I might not continue to be eligible for the program if I did n't sign up today. I told them I 'd think about it and get back to them and they continued to stress that I might lose eligibility for the program if I did n't sign up today and agree to a number of agreed monthly payments ( which were higher than my current minimum payment ). 

I told them no, and when I transferred back to make my monthly payment, I was asked to verify the amount I would like to make in my monthly payments. I told the representative I would only like to make one payment, and they finally backed off. 

It feels bizarre that they offered to change the terms of my underlying debt but would n't give me a written disclosure of the terms of the agreement. 

I posted about this on reddit, and asked other folks to comment if they 've had the same problem. That 's here : XXXX
Product: Student loan

XXXX and Mohela continue to send me in circles and repeatedly send my complaints back and forth to each other without actually resolving the issue. 
As of XX/XX/XXXX, I received confirmation that all of my employment had been approved for PSLF from XXXX. I was told to " just be patient and wait '' for the payment count to be updated. XX/XX/XXXX, the payment count went up to XXXX, however, was still missing payments from XXXX XXXX. XX/XX/XXXX contacted XXXX and was told the complaint was escalated. I received no communication, so I followed up on XX/XX/XXXX with no resolution. XX/XX/XXXX called XXXX Ombudsman and was told complaint was sent to Mohela. XX/XX/XXXX phone call with Mohela told me that my payment updates would be made in XXXX business days. XX/XX/XXXX Mohela informed me that I was not in repayment until XX/XX/XXXX ( which is untrue ). They advised I contact XXXX. XX/XX/XXXX phone call with XXXX  Ombudsman, I was told that they " can see I was in repayment starting in XXXX '' and they did not know why Mohela told me otherwise. My complaint with them was still under review. XX/XX/XXXX I submitted documentation from XXXX ( previous loan servicer ) showing proof of payment on loans from XXXX. This was submitted to both Mohela and XXXX. XXXXphone call with Mohela, where they stated they were in the process of updating my payment count. Was redirected back to XXXX. XXXX call with XXXX  and told to resubmit another request for reconsideration ( I did so ). XXXXsubmitted another complaint, but XX/XX/XXXX it was closed without any communication. Was advised to open a new complaint -- did so on XX/XX/XXXX. On XX/XX/XXXX received email confirming receipt of complaint, stating that I would receive an update in XXXX calendar days. Reached out on XX/XX/XXXX because I had not received update. I was told that it was still open, but they were unable to provide updates or a timeframe. Sent another request for update on XX/XX/XXXX. XX/XX/XXXX received email from Dept. Consumer & Business Services ( and I had reached out to att gen for help with case ). They informed me that Mohela stated I was not in repayment until XX/XX/XXXX ( despite having documentation otherwise ), and they have referred the case back ( yet again ) to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # 2 Experian responded to this complaint stating that " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' As a consumer reaching out through the CFPB, I am appalled that this avenue was taken by Experian. I provided copies of my letters sent certified mail using online certified mail services due to the pandemic ; dispute results ; signature confirmation from Experian, and they did not address anything and closed the complaint out. Now, I am resubmitting this complaint with additional documentation. 

On XX/XX/2020, a certified letter was sent to Experian disputing a XXXX XXXX XXXX tradeline listed on my Experian file. The letter was signed for on XX/XX/2020. Documents regarding this tradeline were also uploaded at https : //www.experian.com/consumer/upload/ no response received from Experian. The furnisher has no documentation for this debt and therefore, can not be verified or validated. XXXX XXXX XXXX also has not responded to the certified letter requesting validation of debt signed for on XXXX. As of XX/XX/2020, Experian has not sent me investigation results regarding this tradeline, nor reported as " in dispute '' status. This happened last year as well when I tried to work with Experian regarding this tradeline. Previously, this tradeline has no balance, account number or dates reported. Also, was not reported an in dispute. Experian has ignored the accuracy component of the FCRA Section 623 ( a ) ( 1 ) ( A ) for the missing data ; FCRA 623 ( b ) ( 2 ) and the 30 day provision of the FCRA 611 ( a ) ( 1 ). No answers are provided to me by Experian in regards to this dispute and am simply given a one line response, despite the evidence provided to Experian for the inaccuracy of their reporting. Therefore, Experian is in Non-Compliance of the FCRA 616, 617, 621 for the reporting of this tradeline and must REMOVE this tradeline per the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).
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. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.
Product: Prepaid card

Trying to use a e-gift card for purchases and its not working anywhere. Its activated but refusing to let me use it at any store. Tried a gas station grocery store and XXXX. Attempted to call customer service to speak to a representative and was hung up on 2 times.
Product: Mortgage

My husband and I started our refinance process in XX/XX/2019. In XX/XX/2019 when our loan was moved to the Mortgage Processor, things began to move real slow. We were told there was a hold up with the system, they kept asking for more documents, they were not clear with the steps we had to ask for everything in writing because they kept saying this is the last thing required. At this point XXXX XXXX was my point of contact. 
My husband and I complained to our original loan officer so our account was moved to XXXX XXXX. He was able to move our loan along nicely. He also maintained excellent communication with us on all steps of our process. Now that XXXX XXXX is our point of contact, we have no idea where we stand as far as closing. She has not reached out once to let us know that received any of our documents she requested. The documents are time sensitive and I do not feel its professional to let time sensitive documents lapse then request me to redo the documents because the data will be outdated by the time I get to the closing table. 

My husband and I have never been late with a mortgage payment, we do not feel we are being treated fairly and definitely not valued as an excellent customer. 


XX/XX/XXXX contacted Senior Loan Advisor XXXX XXXX by email asking for closing date XXXX emailed processing officer asking for closing date XX/XX/XXXX contacted Senior Loan Advisor by email stating we have not heard from our processing officer XXXX emailed Processing Officer XXXX XXXX asking for my status and about a closing date XX/XX/XXXX called Processing Officer and left a voice message asking for closing date XX/XX/XXXX talked to customer service was told my processing officer would call me before XXXX, she did not call-I was given her managers name and extension XX/XX/XXXX called processing officer several times between XXXX XXXX. Called her manager several times between XXXX XXXX. all went to voicemail. Talked to customer service she transferred me to escalation, I was on hold for 30 minutes. 
XX/XX/XXXX XXXX XXXX, Escalation customer service answered the phone talked to him after being on hold more than 30 min. Put me on hold again to look at my account, says he talked to XXXX and she said she's looking at my paperwork I sent in 2 weeks ago and would call me back within the hour. I told him I do not trust her due to her not communicating with me yesterday nor today. He said he would have her manager, XXXX XXXX call me back, I said I don't trust her either, I need her supervisor. He placed me on hold for 10 minutes, then the phone connected to XXXX XXXX voicemail. I left her a message stating I needed her managers name so that I cold speak with them. 
XX/XX/XXXX on hold with escalation for 15 minutes and still waiting
Product: Debt collection

I was a victim of Identity theft for medical bills in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX I knew nothing about this until the collection agency sent a garnishment letter to my employer and I now have garnishment every week taken out on my checks. There was a judgement on me in XXXX and the collection agency process served the person that did this to me. We weren't living together nor married. Which she lied and told them that we were married so they let her sign for it. I have spoken several times with the collection agency about this medical identity theft that is going on. Which they told me basically it is up to them no matter what process I take to prove this is identity theft that they wouldn't take the garnishment off me. So I don't know what to do??
Product: Credit reporting, credit repair services, or other personal consumer reports

This a follow up/continuation of CFPB Complaint # XXXX. 

I want to amend my XX/XX/XXXX complaint. 

In my original complaint, I asked for {$1000.00} from Equifax to assist in my efforts and pain to fix their gross error. Since then I have received written evidence from Equifax that they did not follow their own security/identity protocol. The XXXX XXXX letter indicates that the fraudulent applicant used the wrong mailing address ( for me ). XXXX XXXX caught the attempt, but Equifax did not. Why so? I have provided you the correspondence as evidence. 

Because of Equifax 's ongoing negligence ( since XXXX ), I am now growing my demand to {$10000.00}. I am not interested in their excuses nor appeasements. Regardless of Equifax 's size, gross revenues, time in the industry, Equifax does NOT know how to run their show/shop and CONTINUES to HARM we consumers. There MUST be a SIGNIFICANT PENALTY for their INEXCUSABLE behavior. 

I will wait the 60-day period to receive a proper, non-form reply from Equifax, but know that my new demand ( {$10000.00} ) will not wither. 

I am beyond displeased by Equifax 's outrageous incompetence. 

Thank you, Senator XXXX XXXX, for helping to create your bureau ; that CFPB exists to help we abused consumers. 

Sincerely, Mr. XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
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
Product: Credit reporting or other personal consumer reports

I had a loan with Lendmark Financial Services in XX/XX/year> with an interest rate of 25.98 %. In XX/XX/year>, I obtained a loan through XXXX XXXX XXXX XXXX for a much lower interest rate of 7.75 %. XXXX  paid the loan off with Lendmark. Lendmark has now placed a derogatory/negative remark " Settled-less than full balance '' on my account with has greatly impacted my ability to obtain future credit. This remark would insinuate that I had to make a settlement with Lendmark because I failed to make timely payments which is not the case. 
I have a credit denial letter which indicated the reason for denial was a delinquency on an account in last 24 months. None of my accounts have been delinquent ; which is reflected on my credit reports. 
I was told upon loan origination with Lendmark that there would be no prepayment penalties however, this does not appear to be the case in that Lendmark is reporting a negative remark on my credit profile. 
I'm sure that I am not the first client to have been subjected to these unfair and illegal practices.
Product: Checking or savings account

To begin i routinely transfer funds from my XXXX  banking account to Citi bank. XXXX  receives all my direct deposits from my employer because of the early direct deposits. I got paid on the XXXX the usual 2 day before payday on the XXXX. 

- On the XXXX I initiated a {$1000.00} transfer from XXXX  to my citi savings account. Because it was a holiday the amount did not appear on the " on deposit " tab it still remained the current balance. So i tried to initiate a transfer with my checking to see if the " on deposit " amount will be added and nothing showed up. I assumed because it was a holiday it wont appear that day. That Wednesday i thought to check in and see what's the status because I received a 2 notification that 2 transfers were initiated. The first on went through to my citi bank savings and the savings account showed the on deposit amount {$1000.00} higher than the available balance which is usually what happens then after I wait a couple days and the full amount will be available. Unfortunately .I forgot i did the saame thing with my checkin and that day my balance was a negative {$970.00}. That second notification from XXXX  was an alert that the transfer was declined as i usually only put whatever amount i want to transfer from that pay period. I was unsure on how to cancel an initiated transfer so I thought nothing of it and it resulted in this. 

- This morning on XX/XX/02 I woke up to an email that my account will be closed in the next 60days saying " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX Account account, we found that you have violated the terms of your account per the client manual. '' I was on the phone with different people for 4 hrs. all telling me the same thing no real information and that its in investigation and once its closed they will mail a check within 60days -.I then found an number for their executive response team and opened up a case with them but no real answers today. They just said they ; ; have a response within 15 calendar days. 

- I don't know what to do. All of my money over XXXX is in my Citi savings with no access. I don't know what's going on and I don't have any real answers at the moment just being told to wait. I use this account to live my everyday life and pay bills i can not survive waiting i am extremely stressed and worried and would love any help on this.
Product: Checking or savings account

On XXXX I received a debit card from SunTrust. I have never been to a SunTrust or opened an account online. However, I do bank with BB & T, who was bought out by SunTrust so I assumed that as why I got the card. I went to the website listed on the card to activate the card. I was asked for and provided the card information and my SSN. When I wasn't given an option to set a pin number I called the number on the card and was told that it was fraudulent and I needed to submit a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 : {$2200.00} XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022.
Product: Debt collection

I was called and harassed repeatedly by Aargon Agency. When I asked for a proof of debt, I was refused. Little did I know at the time that was illegal.

I then received a notice that they'd posted it to my credit report as a collections without any proof of debt sent to me. So I reached out to Aargon to ask for proof of debt. Once I made it known I knew it was illegal to refuse that to me, I was told that even if I pay this off, it won't be erased from my credit report, which is not okay given that I asked for a proof of debt multiple times and I was refused. All I was trying to do was validate the debt. now, it is on my credit for the next seven years because they didn't abide by the law. 

I still have yet to receive proof of debt from Aargon Agency.
Product: Debt collection

On XXXX XXXX I sent a letter to professional placement for verification for me for this medical bill without using my name and address they sent my medical bill after I received that letter I asked them to send me a release from for them to have that type of information because under the hipaa law no one should have that information only the hospital.after that they stop responding
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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