23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Product: Debt collection

I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.
Product: Credit card

I was interested in a {$1000.00} XXXX XXXX XXXX Credit Card today so I invested with an application form.. 
XXXX XXXX sends me an email saying they are discriminating against me and my score is adversely affecting me and refuses to deliver service of goods. I told them that has nothing to do with the fact I gave them an application which is value and they gave me no goods or services in return. My original reason for applying was because they said I was pre-approved for a {$1000.00} credit reflect card. Now they insist on discriminating against its retail investors. I wonder how many people apply to XXXX XXXX and get discriminated like I did.
Product: Student loan

I have XXXX loans issued through the Federal Family Education Loan Program that are held by Navient. I was under the impression that under the CARES Act, these federal loans would be subject to a reduced interest rate ( 0 % ). I have learned today that is not the case as the " owner '' of these loans is Navient Trust, which would technically make my federal loans privately owned and exclude them from the benefits of the CARES Act. I had no say as to who my loans were sold and believe this is a criminal act against the 14+ million students who have been impacted during this especially tragic time. I do not want to pursue a class action lawsuit will feel forced to if this injustice is not addressed.
Product: Debt collection

Despite my verbal requests to communicate with me in writing ONLy and to cease all calls to my phone number, Debt collectors from Freedom Mortgage ( XXXX ) continue to call and harass me. Below is a brief listing of the times and dates of calls from Freedom Mortgage for 2019. Please note that I recently replaced my phone and will have to access XXXX for a full history of calls from Freedom Mortgage. 

XX/XX/2019 @ XXXX XXXX  EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX  EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX  EST
Product: Mortgage

I applied for a mortgage modification with my company-Wells Fargo. I believe I am currently in a FORECLOSURE status on my home. I received paperwork advising me that I am approved for the Home Affordable Mortgage Program. The paperwork gives me an offer of " onging '' " trial payments '' for an undisclosed amount of time. Paperwork states that they can not tell me at " this time '' what my actual modified payments will be. How is this a modification? I appealed and stated that I am in total agreement with approval, but can not commit to so-called modification without knowing what my final payments will be. I do understand that I am not in a position to be calling the shots here, given that I am behind on my payments, but I fear that they will take the payments, and then slap me into another predatory, over-inflated interest rate, unaffordable mortgage program. They are giving me no dates as to when these " trial payments '' will end, etc. I understand that they want their money, but I do n't know anyone who would agree to this open-ended agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score.
Product: Student loan

My loans are at the moment in deferment due to defrauding case with XXXX. My loan was bought out by Navient while in deferment and has been split into two separate loans collecting interest on each loan when I was only getting hit with one flat interest rate. Now if my case does not go through and I 'd have to pay double interest on two separate loans. I would n't be able to afford that. I ca n't even go back to school if I 'd want to because I ca n't afford to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX LAST 4 of social : XXXX XXXX XXXX Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on fileis incorrect : XXXX XXXX XXXX Account Number ( XXXX ) The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021, made a purchase with prepaid card thru Paypal for XXXX received confirmation with the order number. Later that same day the company authorized the same amt for XXXX and then hours later again for XXXX. This put a pending hold for 3 amounts of XXXX on my Netspend account, immediately I checked and confimed it was for 1 order. I tried contacting Paypal informed it couldn't be disputed since they hadn't taken the money. I cancelled the card with Netspend because of unauthorized charges and contacted the company. They cancelled the order-did n't know why it was trying to take out more money and sent an email confirming cancelled. A week later there is still 3 pending amounts for XXXX. Netspend said it will still show pending for 30 days because the company can still take the money and I'm not able to have access for those 30 days. The card is cancelled, an email confirming cancelled and Netspend refuses to release money and said nothing they can do. Per Netspend I should dispute charges but when I went online with Netspend to dispute, they sent email saying can't dispute because all 3 transactions are pending. I have talked to the supervisor and was told this is a Netspend policy to hold pending transactions for 30 days without the funds being accessible. The card is cancelled, and it appears the company was trying to check how much money I had in my account was a scam.
Product: Student loan

Just letting as many folks know as possible, I've lived under this shadow too long. these guys are animals and do not care about anything but robbing you of everything. I signed a contract that contained solid borrowers ' rights, guaranteeing access to court due process and the right to appeal any decision. Both parties were on equal standing with rules clearly spelled out. I don't know what you would call this thing the govt created. lender, service, and collector? with the power to make the law without limits or oversight. Anyone feel like your rights still intact? I have declared my contract to be in breach. One party removed all rights from one party and somehow claimed them for their own. Contracts are not to be altered without the express consent of both parties. Folks we have a legal system, not perfect but protects rights, try to make both parties whole and the rules clearing spelled out. My contract falls under that jurisdiction. This is an illegitimate fairy-tale Great big illegal money machine. I will hold the contract as breach. I would welcome any challenge to the status. It will be in an actual legitimate court system. Until decided contrary by a legitimate state court Judge, The status of the contract will remain unrecoverable. Any attempts to bypass judicial review of my case will pierce the corporate vail and allow for a district court summons.
Product: Debt collection

Unknown debt listed which I do not owe. Please help I have disputed with nothing received.
Product: Credit reporting

Transunion has deleted 14 months of information on the account " XXXX '' causing the account to remain well over 7 years on the report. Enclosed you will see my Transunion report of XX/XX/XXXX. It shows the DOFD on this account at XX/XX/XXXX. I was expecting this account to drop off around XX/XX/XXXX. 
But then, for some unknown reason, notice the enclosed report of XX/XX/XXXX. It shows the payment information DELETED from XX/XX/XXXX to XX/XX/XXXX causing the DOFD to be moved to XX/XX/XXXX. Which has caused this account to remain on file. You can clearly see that they simply deleted 14 months of information. Transunion says this account is updated and correct even after I MAILED this information to them! 
I 've been fighting this for months now and am trying to avoid legal ( $ $ $ ) action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Report Entry Chase Auto Finance I am writing to formally dispute an inaccurate entry on my credit report related to Chase Auto Finance. This negative mark is unjustified, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account : Creditor : Chase Auto Finance Account Number : XXXX Disputed Amount : {$1600.00} Reason for Dispute : Wrongful charge for windshield replacement Details of the Dispute : As per Chase Auto Finances recommendation, I scheduled an inspection at my home a few weeks before my vehicles lease return date. During this inspection, the inspector noted a chip in the windshield and informed me that a replacement was required. In compliance, I replaced the windshield the day before returning the car to the dealership. 
However, Chase breached their own policy by failing to conduct a second inspection upon the vehicles return. Despite my providing Chase with documentationincluding the repair receipt, proof of paymentChase still wrongfully charged me for the windshield replacement. I immediately disputed the charge with Chase, yet after months of repeated follow-ups ( since XXXX ), I have received no resolution. 
As a result of this wrongful charge, my credit report has been negatively impacted, causing financial harm. Since this entry is inaccurate and unjustified, I formally request that it be removed from my credit report. 
Under the FCRA, credit bureaus must investigate disputed items within 30 days and remove any unverifiable or inaccurate information. Please conduct an investigation and update my credit file accordingly. 
I appreciate your prompt attention to this matter and expect written confirmation of the resolution. If further information is required, please contact me at [ XXXX ] or XXXX. 
Sincerely, XXXX
Product: Debt collection

About 8 months after I moved out of this apartment, i got a call from a collection company telling me i owe the apartment complex {$4800.00}. I was very surprised because i never got notified before hand about this amount and I was assured by someone who worked in the leasing office that my deposit was on the way and someone had moved into the unit so I was cause very unaware. I asked for a debt verification letter and never got this, I also asked for receipts for the work that they claimed they had done and I was being charged for but I never heard back. They claimed to replace the floors in the entire apartment for {$3800.00} and that is absolutely ridiculous, the floors were not in the best condition when we moved in and there was very minimal damage on our part. it is hard to believe they spent that much on floors that werent even the best quality without a receipt for the work or anything in that regards. The apartment complex is called XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the collections company is National credit systems. I strongly believe that the apartment complex is trying to scam me as they is no receipts that they actually did what they claim to have done. I will attach the email from the leasing official. I woke up today to my bank account being frozen and all the money taken out but I never got any letters or email before hand that I was going to be sued or anything in that regard. I think this apartment is trying to bully me and my sister out of our money and that is unfair. If they can provide the receipts that match up to the T, we can work something out but they have shown no documentation because they said they have no obligation to. I would appreciate some help on this please as I do not have the funds to settle such a ridiculous amount
Product: Credit card or prepaid card

I contacted Chime on XX/XX/XXXX about my cellphone being stolen on XX/XX/XXXX and seeing 2 fraudulent charges pending on XX/XX/XXXX. I was instructed to call back once the charges were cleared which happened XX/XX/XXXX. I was then told I would be issued a provisional credit which could take up to 10 days while the investigation was in progress. I never received the provisional credit and my dispute was denied. Their reason for denying my dispute was because my card was in my possession but the charges/transfers were clearly done through their site/app. They now refuse to reinvestigate my case or compensate me for the fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Russell Collection Agency stated that they had updated my credit bureau with the removal of two collection items from XXXX XXXX  for XXXX and XXXX. They stated that I needed to contact XXXX XXXX  because their information was inaccurate. I reached out directly to the credit bureaus and the accounts are still showing open.
Product: Credit card or prepaid card

I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  XXXX   XXXX
Product: Debt collection

I did a credit report a couple of days ago and I found out in XXXX that I have a collection on my credit report Date Opened XX/XX/year> Contact info Name COLUMBIA DEBT RECOVERY Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account Type Collection Balance {$1600.00} Balance Updated XX/XX/year> Recent Payment - Monthly Payment - Original Balance {$1600.00} Highest Balance - Terms 1 Months On Record Until XX/XX/year> I live in California, and XXXX XXXX is also located in California. I have never received a mail letter from XXXX XXXX or from Columbia, collection agency seems weird because it shows they are located in Washington. I haven't received information about my rights, why I owe this amount, or a debt validation letter. I have received nothing by mail that shows why I owe this amount.
Product: Credit card

I opened Wells Fargo CHOICE PRIVILEGES MASTERCARD ( card number : XXXX ), and the welcome bouns was XXXX Choice Rewards points after spending {$1000.00} in 90 days after account opening. I reached this line but even after waiting for XXXX statements, I still do not see the welcome bouns. During this time period I made multiple calls to both Wells Fargo and XXXX XXXX, but they only asked me to wait and did nothing to help. So I launch this complaint.
Product: Vehicle loan or lease

This is about XXXX and XXXX reps for cnac aka jd byrider. They call after and before collection hours are rude use foul lange and threaten me. They call text and email myself and the co buyer on the loan. They have even taken an unauthorized payment from an accou t that was not mine and then reversed it because it was not authorized. This company sold me a car that gas no air needs to be jumped everytime and then continue to harass me.