23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan # XXXX My loan was refinanced through XXXX XXXX on XX/XX/XXXX with a payout the same day. XXXX XXXX Office Manager XXXX XXXX XXXX XXXX NMLS XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold it to XXXX and the new file loan number XXXX with a first payment date of XX/XX/XXXX. XXXX XXXX XXXX They owe me an escrow refund of {$7200.00} and they need to take my account out of a derogatory status. It appears from other consumer complaints, this company has done this a lot with refinances and it does not take 17 days for them to update their records for a payoff and then create credit issues for me. This is also a VA loan so they are messing with a government backed mortgage. I would appreciate this getting resolved immediately. 

Lender has also accused me of not having appropriate insurance ( after they purchased my loan from guaranteed rate - which is escrowed into my loan ) and not my responsibility to show them. However I can. They threatened to charge me for this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, Transunion and XXXX stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.
Product: Mortgage

In XX/XX/XXXX I got a loan from one financial institution, which was then sold to another financial institution, and then in XX/XX/XXXX, was sold to another financial institution, Ocwen Loan Servicing. Since then, it has been very difficult to work with them. They have raised my interest rate without notifying me. They have my current address that they send my statement to, but I found out that they were sending letters to my old address that I have not lived in for over 2 years. And then they accepted my monthly payments, but did not apply the money to my mortgage. They put it in " Suspense '' and stated that I was delinquent, charged me late fees, and reported to the Credit Bureaus, which has ruined my credit. After much difficulty trying to contact them to discuss, they have stated that they will not help me straighten this mess out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove account number XXXX from my credit report. They are the only credit report that has it. XXXX and XXXX already deleted. it. Please take it off ASAP!!
Product: Credit reporting or other personal consumer reports

Subject : Notice of Equitable Interest in Trust Account Dear [ XXXX, Equifax, and XXXX ], and its agents and trustees, Greetings, I hope this letter finds you well. I am writing to you as the beneficiary of XXXX XXXX XXXX XXXX XXXX. I am asserting my equitable title and interest for the account of XXXX XXXX. It appears that you are in possession of my property ( XXXX XXXX credit ( trust ) report ( estate ) ), while you may possibly have legal title, I am aware that the equitable title and interest supersedes that. Being in possession of my property means that you are a trustee and we are in agreement to merge as one. I will attach the agreement between us, which has also been filed publicly to hold you to the trustee role. Thank you for continuously holding my property and being a part of the team. If you disagree with this, release and return my property ( the account ), back to the original trustee who was handling business in my best interest. As trustee I requested you stop reporting any adverse reporting to my trust report. XXXX is centered around fairness and equality. XXXX does not punish. Reporting adverse actions is punishment. XXXX regards the beneficiary as the true owner, and the credit report you are furnishing to credit reporting agencies is my trust report, part of my estate. Everything is trust. Everything is an agreement and if anything has my name on it thats a legal title of my estate. Since you are furnishing this information that makes you the trustee, I request that you uphold your duties and settle the obligations to this trust. Thank you for your attention to this matter. I anticipate your prompt and cooperative response. Sincerely, [ XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I went to the XXXX XXXX XXXX XXXX XXXX XXXX, I am a veteran and I filed my visit with the VA, the VA received the Emergency Room bill and paid it in full. Weeks later I received a separate bill from XXXX XXXX XXXX stating there is another portion of the bill that I had to pay and not the VA, I explained that I paid my CoPay to the VA for that visit and if they require additional payment that they need to contact the VA which is my provider, the hospital insisted that I need to pay additional payments that is not the VA responsibility, I questioned this many times with the hospital and explained that I pay my copay or any charges to the VA, but the hospital Insisted that I have to pay additional To the hospital directly. I spoke to with the VA and they informed me that the bill for the hospital Was paid. I tried several times for the hospital to talk to the VA again and they told me it is my responsibility, I informed the hospital that I did speak to the VA and they mentioned that if the hospital required more funds to contact them directly, the hospital reported the {$700.00} to a collection agency and now my credit is damaged. I should not be penalized for something that the hospital need to do and resolve with these VA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX  XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Debt collection

My name is XXXX XXXX and I have an issue with LJ Ross Associates, XXXX collecting, buying, and selling my private information. They have been placed on my consumer report which lets me know that they have bought AND obtained my personal and private information without my written consent pursuant to 15 USC 1692c ( b ). No consent is identity theft which is in fact punishable by law pursuant to 18 USC 1028A. This also falls under extortion. Title 18 section 891 ( 6 ) of the United States Code clearly states that " An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person. '' Obviously my CREDIT card, which is my social security card pursuant to 15 USC 1602 ( l ), was used and shared in this process. An extortionate means is ANY means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, REPUTATION, or property of any person. If I am not mistaken, my consumer report is apart of my reputation. So LJ Ross Associates are taking and using my private information and I did not authorize anything! Pursuant to 18 USC 1028, ANYONE who possesses, transfers, traffics, uses, or produces, without LAWFUL authority, any identification document shall be punished. Federal law also states that whoever knowingly participates in ANY way in the use of ANY extortionate means shall be fined and/or imprisoned not more than 20 years. These are public federal laws and there is no excuse for any debt collector to not know and understand them.
Product: Credit card

I am having difficulty shaking Citibank interest charges, and their incompetence is perpetuating the problem. 

I sought to make XXXX payments to my citibank credit card account ending in XXXX today, on the closing day of the billing period. It is necessary to pay before closing date in order to avoid interest charges. 

I made XXXX separate payments. I attached the correct payment stub to each check - see EXHIBIT A. XXXX checks, XXXX payment stubs. The payments were Personal Check XXXX for XXXX made payable to Citibank XXXX, Business Check XXXX for {$1200.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT B ) and Business Check XXXX for {$7700.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT C ). 

The payments were tendered to the XXXX, IL branch of Citibank via their night drop slot. As of midday today, they had not posted to my account. I called the branch and they erroneously stated that the deposits would not be visible on the Citibank XXXX website until next day. I knew this claim to be false because previous payments have appeared immediately. I asked XXXX and XXXX to fax me deposit receipts. I must have called between 5 and 7 times. They said they would provide receipts, but they failed to do so. 

After the branch had closed, my deposits appeared in the wrong account. See Exhibit D. Despite the checks all having the account number on their face and despite the fact each check had a payment stub with the correct information on it attached, they deposited my funds to the wrong account. INCREDIBLE! 

I called the Citibank call center and explained that the mis-posted payments would result in me incurring & gt ; {$1000.00} in interest charges which would not be incurred had the branch employees been incompetent. I asked them to transfer the payments to the correct account. They responded that it would take 2-3 days to process the credit. 

I do n't know how Citibank employee compensation works. Could it be that Citibank rewards employees for generating interest income? Could it be that the employees had an incentive to post my clearly-labelled payments to the wrong account? I have no way of determining that. But I do notice that statements arrive later in the month when I am carrying a balance than they do when I am not. It seems likely that Citibank intentionally delays statement mailing to maximize interest charges. 

Back to the current problem : Citibank clearly made a HUGE error here. I need them to post my payments to the correct account effective XXXX/XXXX/16, not two or three days hence. And I need them to reverse any interest charges which appear on the statement which will be generated this evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reported derogatory info and shows inaccuracies. The true date of delinquency/Charge-Off started XX/XX/XXXX. New Jersey Law, statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt. Schedule deletion date indicates XX/XX/XXXX. Correct date of deletion date was XX/XX/XXXX.
Product: Student loan

Issue : On XX/XX/XXXX I spoke to a Nelnet Representative by the name of XXXX. XXXX informed me that I could receive a .25 % interest discount if I made my student loan payment ( s ) by enrolling in Auto Debit. Consequently, I enrolled immediately for Auto Debit and the Auto Debit began on XX/XX/XXXX from my XXXX XXXX account. 

After speaking to a Nelnet Supervisor, XXXX on XX/XX/XXXX, I was informed that I had not been getting the .25 % loan interest rate discount and that my loan ( s ) did not qualify for that discount. XXXX informed me that the representative, XXXX ( back in XXXX of XXXX ) had provided incorrect information and that he, XXXX was not surprised. Obviously, XXXX/Rep in XXXX did not research the type of loans I had to ensure the loans actually qualified for this .25 % discount. 

Consequently, for four years, I have been enrolled for Auto Debit making my payments and have not been reaping the benefit of the .25 % loan interest rate discount which I guesstimate would be approximately {$1.00} - $ XXXX over the course of 4 years. 

In addition, in XXXX of XXXX, XXXX/Rep did not inform me at that time that I could apply for a Direct Loan Consolidation and this also would have ensured the .25 % interest discount with Auto Debit. 

On XX/XX/XXXX I spoke to XXXX XXXX/Supervisor at Nelnet and was told there was nothing Nelnet could do about the mistake. XXXX also informed me she would file a complaint internally. However, I would not be contacted about any internal Nelnet results. 

I again on XX/XX/XXXX, had a lengthy conversation with XXXX XXXX/Supervisor about the XX/XX/XXXX, .25 % interest rate mistake on my account, and was told the same thing again, i.e., there was nothing Nelnet could do, but that she/XXXX  had already filed the complaint internally. 

This is not the first time over the years that Nelnet representatives have provided me with incorrect information. Disappointing, extremely disappointing, and frustrating that I made an Auto Debit decision ( s )  based on receiving inaccurate information. Moreover, that Nelnets INCORRECT information has cheated me out of a substantial discount when I could have also been advised by XXXX/Rep to apply for a Direct Loan Consolidation ( enabling me to actually qualify and receive the .25 % discount ).
Product: Credit reporting or other personal consumer reports

I purchased a car at XXXX. I made all my deposit payments XXXX debit. The final payment XXXX XXXX. The company reimbursed portion of XXXX payment, because they had the car in their service center over 1 months, then at another dealerships service center XXXX more weeks. After getting my car back they replied it for failing to make the final payment which was made on the date due and refunded XXXX days later. The XXXX finance company did not get the contract yet the placed it on my credit report increasing my debt and now I can not get a car loan to replace that car taken illegally. The issue is fraud against a veteran using federal funds. XXXX states the issues was pulled on the XXXX of XXXX but will not post to my account for XXXX  days. I now have to wait XXXX  days to run a clean report and no transportation til then.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Money transfer, virtual currency, or money service

STORING ACH DATA IN PORTAL AT XXXX XXXX XXXX ON LINE PAYMENT AND CAN NOT REMOVE STORED DDA AND WAS 4 TIMES {$620.00} OR {$2500.00}. XXXX IS REFUSAING TO REMOVE ALL STORED ACCOUNT. XXXX XXXX, LOAN # XXXX. CHARGE BACK LOAN AND REFUND {$2500.00} PLUS OVER DRAFT {$300.00}. ( XXXX XXXX ERRORS.
Product: Debt collection

On XXXX XXXX, XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a XXXX dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been XXXX XXXX XXXX XXXX but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from XXXX XXXX XXXX XXXX, representing Pendrick Capital Partners LLC who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. Pendrick Capital Partners LLC 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX XXXX XXXX XXXX XXXX is asking me to pay them {$880.00} which is likely the original bill for the ambulance. They have sent me XXXX paper debt collection letters, XXXX in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the XXXX XXXX due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 instruction
s XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I met a mortgage lender XX/XX/XXXX to be pre-approved for a loan to by my first home. I found out by the credit report that I have two XXXX loans. Even though I have only had one XXXX  loan. I was told to reach out to XXXX. 
I do in fact have a XXXX loan from XXXX for {$19000.00} which is seen on my credit report from XXXX XXXX XXXX XXXX XXXX However, my credit report also shows a XXXX  loan from XXXX for {$39000.00} reported XX/XX/XXXX on page XXXX. The account numbers were even doubled. The second time I called XXXX on XX/XX/XXXX, I was told that in XX/XX/XXXX XXXX had a " glitch '' that caused people to have a duplicated XXXX  loan balance. 
My mortgage broker put in a dispute with xactus about this situation. 
I called TransUnion, XXXX, and XXXX. XXXX of the XXXX credit bureaus said they see the XXXX and they put in disputes. 
XXXX has been called three times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in which each time I was transferred twice until I could reach the credit people. They told me that they have put in a claim and that it would take up to 30 days to be removed from my credit report and it has not. I have asked to receive a personal letter stating the {$39000.00} does not exist so I can buy a home but they did not. They said " some people '' had duplicate amounts. I will attach the letters they sent me. 
Today, XX/XX/XXXX per XXXX 's recommendation on their letter to check XXXX it still shows the {$39000.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB I used Experian to file disputes and the didnt file any of them right just said the information was verified and information on there was wrong I never lived at XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX on around XXXX XXXX, my wallet was stolen from my gym locker and used to purchase over XXXX worth of gift cards that you can buy at the grocery store. Chase refused to acknowledge this theft as fraud and considers these purchases as my responsibility. 

Here is what happened. 

I arrived at my gym around XXXX on XX/XX/XXXX, changed, put my street clothes ( with my wallet ) in my locker and locked it with my lock. After my work out, I went back to the locker room to find my lock was missing along with my wallet from my pants. 

I immediately reported it to the front desk and their response was " uh oh, here 's another one. '' I looked around and 3 or 4 other guys were standing there looking concerned. Their lockers were broken into as well. 

We reported it to the police first and then I started calling to cancel my credit cards. The thieves were able to make purchases on my Chase card at TWO different grocery stores to the total of over {$11000.00}. How was this possible? I have no idea! 

According to the gym, two of the three men that were involved in the theft have been caught. I have attached the police report from the XXXX Police Department. 

Chase has assured me that they've investigated this claim thoroughly which is absolutely absurd.
Product: Credit reporting or other personal consumer reports

This is the 3rd time I have disputed a serious error with XXXX XXXX # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!