23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan servicer has refused to contact customer who has resided in the home over ten years and with perfect payment history regardless of settlement reached with Department of Justice and continues to fail to negotiate. Additionally, when contacted by customer, loan servicer states " check is in the mail '' and after three years has received nothing. Servicer has decided to proceed with illegal foreclosure against the outlined conditions of the setttlement agreement obtained by the Supreme Court. Customer obtained Federal grant money through the state program for foreclosure prevention and foreclosure by the Servicer will nullify and put in default the agreement of the grant and thus making it into a loan what the United States and the State granted the customer due and payable by the customer immediately which was not intended as part of the agreement and is counter to such agreement for assistance and the prevention of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX when Comenity Bank received notification ( from XXXX ) that I had finally been able to afford to pay off two Comenity Bank accounts ( sold to XXXX XXXX ), Comenity took advantage of the notification from XXXX  that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called Comenity, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both Comenity accounts sold to XXXX XXXX, Comenity chose in less than 48 hours of receiving XXXX delete request and proof both accounts were paid, Comenity knowingly and intentionally seized the opportunity to incorrectly report back to XXXX " charge off '' status to XXXX  This was deliberate ; when I immediately called Comenity, the gentleman who answered told me they/Comenity had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX contacted Comenity and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at Comenity reported back to XXXX, an incorrect status of charge off. I think I have this Comenity " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like Comenity tries to clean up their credit and Comenity learns of money changed hands, like a shark who smells blood, Comenity then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called Comenity about the response and change of status to charge off, Comenity phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for Comenity Bank to act upon paid status. Comenity engages in predatory practices and that is why there are over XXXX complaints with XXXX. I also recognize that because XXXX  has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original Comenity Bank negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other Comenity account to now be sold to XXXX XXXX
Product: Vehicle loan or lease

The first problem is that hyundai is not respecting the contract i signed in 2018 for my veichle its a XXXX XXXX XXXX and now my payments are showing wrong on my accounts online and when i call i want to know why my payments went up from XXXX to XXXX please help me. 
I was told serval times things were going to be fixed and i was suppose to receive emails but i have not received one email regarding this problem. 
also i didn't ask for this extra insurance payment i am being charged fro and i am being charged for and i am very upset due to this situation. also i have been harassed several times by this company regarding this situation and i want them to stop the harassment telling me that they are going to pick up the vechile for repossession. 
also because i am not fullest in english they yell and me and are harass full sometimes say they can't help me and i feel like i am being very discriminated by hyundai finale companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with Transunion, XXXX, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. Transunion, XXXX, and XXXX have no reason to assume the previous requests were not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Credit card or prepaid card

hi I'm writing to inform you I have unauthorized charges on my debit card and the bank won't return my money Bank name : Citi Bank Dates : XX/XX/20 {$160.00} XX/XX/20 {$550.00} XX/XX/20 {$220.00} XX/XX/20 {$180.00} XX/XX/20 {$670.00} XX/XX/20 {$290.00} XX/XX/20 {$670.00} XX/XX/20 {$1400.00} i sent a police report and no action has been taken
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I had an identity theft incident which required me to place credit freezes with all 3 of the credit bureaus. When I called Experian at that time, I discovered that someone had fraudulently created an Experian account with my name and address, but their email and phone number. I was told by the agent that my info would be updated and the freeze was placed. 

I am now trying to unfreeze my credit at Experian and have found out that they never updated my personal information. I am unable to log into the account because their automated system keeps sending codes to the fraudulent email and phone number that were created. I have called their customer service phone number 20+ times and have not been able to reach an agent. I have tried every phone number on their website and every option on the automated system, but still have not been able to reach a human. 

To make things worse, the automated system has sent codes to the fraudulent phone number ( even without my asking it to ) and I am worried that the criminal who originally created the account is now able to access my info. I am trying to unfreeze my credit to buy a house and I don't know what else to do at this point. 

I have attached an email and screenshot which show the fraudulent personal info associated with the account ( these are not my email and phone number ).
Product: Student loan

On XX/XX/XXXX I had sent an email to Navient via Online Services for a request to review my loans. I have consistently paid these loans on time. Due to the amount of original disbursement repaid ( 220 %, 189 % and 147 % respectively ) I was requesting these loans be reviewed by a decision-maker within Navient XXXX XXXX XXXX. Instead, I always get tied up in their switchboard run-around of operators and automatic-messages and can not have an independent banker or loan officer review my case. 

After sending a detailed letter on XX/XX/XXXX, I received a response on XX/XX/XXXX : " Thank you for contacting us with your inquiry. 
Private credit loans do not qualify for loan forgiveness programs. '' I feel that this message is cold and unforgiving and my case has not been taken into consideration. There are many money lending services, including credit card companies, where if the original amount ( plus a little extra ) is paid off the company will forgive the debt if it's been repaid by a lot, or settle on a much smaller 1-time fee payoff to close the account. 

I have much more documentation and am happy to provide it as needed. Included in the attached files is a document detailing the full scope of my situation.
Product: Student loan

XXXX Services services a private student loan. On multiple occasions between XXXX and XXXX, I have attempted to set up an autodebit schedule eletronically and via mail. Due to a failure of their system, they have reported my account delinquent. I have requested a credit report retraction and the employee was unwilling to escalate my concern to her manager. 

I would like to request a credit report retraction and to pay off the debt in order to avoid further negative reports on my credit.
Product: Credit card

I am filing this complaint cause I had a discover credit card that was joint with my mother that was opened on XX/XX/2012. 

I was attempting to sign up with credit monitoring with XXXX and was unable to create an account. I called XXXX customer service and when they looked further into the situation, I was told that one of my creditors was reporting my accounts with my social security transposed. The social they are reporting is XXXX the correct social that should be reporting in XXXX. I was told that until this is not corrected by my creditor my file would not be accessible online.
Product: Credit reporting

I have contacted the courts and they stated the removal of all these bankruptcies case # XXXX. They are all reported on XXXX credit reporting agency and that is Equifax. That is strange to me when the courts stated they deleted them from all XXXX credit reporting agencies. Equifax has broken the law because I have evidence they were removed from all XXXX of the credit reporting agency last year.
Product: Vehicle loan or lease

American Honda Finance Corporation opened an account in my name upon receiving my promissory note and denied me access to this account. Once the bank purchased promissory note it acquired the rights to the note to repay the debt. UCC Article 3 negotiable note. Bank processed the note through the clearing system a higher amount credited to account. Leveraging note value for more than credit creation. I become the holder in due course. ( My account ) I am entitled to the funds credited to my account. USS Article 3 & Article 4. Im holder in due course of the account.
Product: Credit card

On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! 
XXXX XXXX
Product: Credit card

I have 3 credit cards with capital one. Capital One is giving me the run-around yet again. 
I reported them to you in XX/XX/2016, and wanted to have my interest rate lowered to pay them off. I received a phone call about this issue and now can not re-connect with that person to lower all the interest rates to pay off the balances. I am not working, and am in financial distress. I do not want want the accounts to go into default with being late. I am NEVER LATE WITH THE PAYMENTS. I should not have to go into a default late status to receive help in lowering the interest rates and payments to pay these cards off.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below is the list of the erroneous account reporting on my Credit Report : 1. PORTFOLIO RC XXXX Balance {$560.00}
Product: Debt collection

I received a text on XX/XX/XXXX from a number I didnt recognize that said; Welcome! You'll rcv msgs from XXXX XXXX Collector. Msgs vary by acct/pref. XXXXsg & DataRatesMayApply STOP to optout HELP for info. XXXX & XXXX 's : XXXX I assumed it was a scam text message as I get those quite often and they usually have a link attached to the message similar to how this message does. On XX/XX/XXXX I notice a collections account on my credit report from LVNV Funding that they reported as late on payment. I didnt recognize the name and I know I XXXX received any communications from a company called LVNV funding, after a bit of digging online I quickly was able to connect that resurgent capital and LVNV funding are the same company using a different name. Aside from what little information their text message relayed Ive received absolutely XXXX communication, in the mail or otherwise, validating or verifying the debt and I never was informed of my right to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is refusing to remove fraudulently opened account by XXXX  XXXX who is no longer a business. I was able to get the account removed by XXXX  who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX  XXXX  which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a dope of my old car title and submitted it to Santander without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued Santander per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to Santander numerous times they place me on hold and hang up. This is my 2nd complaint
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently filed a dispute on ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I am filing this complaint regarding an inaccurate & fraudulent items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting these accounts to be removed immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws. 

( Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - I received a copy of my Experian consumer report XXXX XXXX. My Experian consumer report is showing XXXX Bankruptcy XXXX public record. And I DID NOT give Experian my express written instructions to enter the public record on my consumer report. And US Bankruptcy Court has notified me in writing that they DO NOT report to any credit report agencies - see the attached letter directly from the US bankruptcy Court. Experian has violated my rights According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. And the Experian has violated privacy rights according to the privacy act of XXXX
Product: Credit card or prepaid card

Capital One closed my account. The letter I received stated the account is not consistent with their expectations for account usage and violations of the Capital One Customer agreement. I called Capital One and spoke to several managers in the fraud department. No one was able to inform of the violation. Due to the erroneous mishaps internally at Capital One my credit score has dropped significantly. The letter also stated that I will continue to receives statements until the bill is paid in full. I DO NOT OWE ANYTHING I then proceed to XXXX the terms and conditions while on the phone with the XXXX ( XXXX  Manager ). I read the terms and conditions and couldn't find XXXX violation. She proceeds to tell me it could XXXX or many things, but could not inform of what the issue is. This is XXXX.
Product: Money transfer, virtual currency, or money service

PayPal has " permanently limited '' my account claiming that I violated their policy. I dont sell items on PayPal ... I use it to easily transfer and or send money and to purchase items online ... they told me they will hold my money for 180 days and then email with instructions on how to get my money transferred, if I'm allowed to have my money after the 180 day time limit is up ... I'm not the only one they have done this too ... hundreds of people have the same problem ... after receiving deposits from unemployment PayPal sends this message saying the account is permanently limited for violation of the policy and that they no longer offer any services to me ... what I dont understand is my first unemployment payment was for over {$8000.00} and also deposited into my PayPal account ... however they never limited my account then nor have I had any issues with the account until the last deposit ... first of all PayPal is NOT a bank so why do they think they can operate as such? They are a payment platform ... it should be illegal for them to do this to people! I am a single mother and it's been 2 months since I got the XXXX and that was all gone as soon as I got it due to the months without any income so I need this money just as badly as I needed that money ... please please please help!!! I've reported the issue to PayPal via a transaction dispute and of course was not given any help at all ... I dont care if they want to do business with me or not because I will never ever use PayPal again once they release my money!!!
Product: Credit reporting or other personal consumer reports

There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the XXXX  below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.
Product: Debt collection

My mother received a voicemail stating that somebody was looking to have me served with court papers and they were going to serve me on my job or at home and a claim number and toll free number was left on her voicemail wanting to verify social security information as well. My Mom called me frantic and upset, scared that I was going to get locked up. XXXX when did these type of third party scare tactics become permissible by companies, associated vendors, or third party collection agencies? XXXX different organizations are involved in this situation an alleged legal courier, a collection agency and the XXXX XXXX shop.
Product: Credit card

Hello - XXXX XXXX ( the airline ) recently switched their credit card partner from XXXX XXXX to Barclays. I was a XXXX XXXX XXXX XXXX card holder for over 5 years, but I did not want to receive the new Barclay 's card. I called and emailed XXXX XXXX and Barclays requesting to Opt-Out of the new credit card. They informed that I would automatically receive a new Barclays XXXX XXXX credit card, and there is nothing I can do about it. 
I even cancelled my XXXX XXXX XXXX XXXX card upon receipt of this news, and I still ended up receiving a Barclays credit card in the mail today. I called Barclays requesting they cancel my new credit card this morning, and they informed me that I needed to call back on XXXX XXXX or later in order to cancel this new card because " my information was not in their system yet '', so I guess I will need to wait and call Barclays again. 

Overall, I think companies like XXXX XXXX who switch credit card providers should give customers the ability to Opt-Out of a credit card from a new credit card company. No one can force you to switch banks or life insurance companies, for example, so why could n't anyone Opt-Out of switching credit card companies? Without a doubt, XXXX XXXX handled this process the wrong way. 

I have some emails to XXXX XXXX if you 'd like to see my requests, which went without any assistance from XXXX XXXX or Barclays.
Product: Debt collection

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.