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

Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Product: Mortgage

I did not see my automatic payment come out of my account in XXXX, so I emailed them. Pentagon Federal said I had paid them. I knew this draft did not occur so I called them. They said it was fine, paid. 

I called them again after I noticed it was reversed. They said I had the wrong number in for the account, and that they would correct it. 

The payment went through but again was reversed. I called again today XX/XX/XXXX and they think they have my XXXX payment correct but still are working on my XXXX payment. Both the latest attempt to pay XXXX and XXXX were reversed XX/XX/XXXX.
Product: Debt collection

A company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. 
It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2016 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello Citibank has charged my account for {$120.00} on XXXX XXXX, they lied to me when they first had said it was a permanent credit when charge backed, Citibank not only lies to theyre customer but has a very unresponsive executive team that had no clue what they are doing even though they are the supposed investigators of my case. XXXX finding charged my account for {$120.00} when the services were not provided, XXXX knew they were at fault and admitted to it they still did not help me and took my money this is where I thought Citibank would help but they did nothing they use my money as a daily as a customer and does nothing when things go wrong Citibank is fraudulent!
Product: Student loan

I signed a contract with a third party organization. I was told the company works with the US department of education in the Obama federal forgiveness program to consolidate my loans. I pay the company XXXX a month and the only two options to leave the contract is pay them the full XXXX or the continuous XXXX a month. I do n't know where the money is going. I do not believe it is going towards my federal student loans. I have {$44000.00} in subsidized and unsubsidized student loans. I am single, living on my own, working in a XXXX job and i am XXXX hours away from home without a car. Im a recent 2016 XX/XX/XXXX college graduate and im making it on my own. The company has my bank information and home address. If i leave the contract they will garnish my wages and seize my taxes if i do not communicate with them or pay them. Im fair and honest. They can have the previous payments but i do not want to give them any more money because i cant afford it and i am already going back to school this semester for more schooling. When i called my loan servicer i was told that my loans are at default {$0.00} and it has not been any payments made yet. I didnt set up a payment plan with my loan service neither.
Product: Credit reporting or other personal consumer reports

I'm disputing this account on my Experian report because I believe there is an error. According to the XXXX XXXX XXXX ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the XXXX collection agency to no avail, and I would like to request that Experian XXXX this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Student loan

I applied for a loan consolidation on XXXXXXXX XXXX XXXX to consolidate two federal student aid loans. One loan was with XXXX and the other loan was with XXXX. I requested that my final servicer be Mohela so XXXX processed my consolidation request. XXXX successfully consolidated the loan originally held by themselves and transferred it to Mohela on XXXX XXXX XXXX 

However, in processing that consolidation, the new loan that was transferred to Mohela was incorrectly assigned the same loan ID number as the existing loan held by XXXX. This resulted in the existing XXXX  loan data being overwritten and obliterated from the Nation Student Loan Database System ( NSLDS ). XXXX subsequently attempted to payoff my XXXX loan but the payoff was rejected because there was no longer any record of that loan in the NSLDS. XXXX continued to make approximately 7 more payoff attempts over the course of the next two months without really trying to determine why the payoffs were being rejected. 

Because of these mistakes made by XXXX, my loan at XXXX began accruing interest on XXXX XXXX XXXX. 

Throughout this period, I made multiple inquiries and attempts to correct this problem and actually notified XXXX and XXXX of what the problem was. 

Finally, on XXXX XX/XX/, XXXX paid off my XXXX loan and added it to the existing consolidation loan at Mohela. However, because of the interest accrual on the XXXX loan due to the end of the Covid-19 payment pause, {$250.00} in accrued interest was capitalized onto my XXXX loan as part of the payoff. 

I should not have to pay this accrued interest because of mistakes and errors made by XXXX and/or the Department of Education in handling my consolidation request. Since my original consolidation request was made XXXXXXXX XXXX XXXX, there was more than sufficient time for XXXX to complete the consolidation before the resumption of interest accrual on XXXX XXXX XXXX. 

Therefore, I respectfully request that this {$250.00} in capitalized interest be removed from my loan balance and all subsequent interest charges be recalculated based on the lower and correct principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Midland funding llc placed a collections on my credit report for {$870.00}. After calling them I found out that this debt is from an account opened in XXXX. this debt, to the best of my knowledge, because it was 10 years ago, was paid. I have not received any collections from anyone else about this debt in 10 years. I also know that this card could not have been opened for more than XXXX dollars. I was under the impression that a company could not put collections on your credit account after 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX XXXX account number ending in XXXX in the amount of {$990.00}, Reference number XXXX XXXXXXXX has violated my rights. 

XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that I had hard inquires that I did not apply for to be requested. The Hard Inquiries in question are : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Experian consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to Experian via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX XXXX  the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling the company of Sagestream LLC numerous times no call back once left voicemail on XXXX. If they are provinding my credit to any company I need too know and also freeze in which I have been calling to get a copy n too freeze from use. Its a recording to where someone will call you but no one ever answers or call back
Product: Checking or savings account

I closed a marital checking account, ending in XXXX, at Citizens Bank in XXXX over a decade ago. In the Fall of XXXX, my ex-husband failed to pay an overdraft on the account for 3 months, resulting in Citizens Bank 's wrongly reporting his delinquent payment to thee credit bureaus. Both of us contacted the bank together and spoke to their Operations Manager, XXXX XXXX. Now 3 months later, Citizens is just getting around to contacting XXXX, but my credit rating has still not reached its prior very excellent level. This three month delinquency has seriously impacted my credit rating at a time when I need my previously excellent credit. You can see that the attached letter is dated XX/XX/XXXX - fraudulently dated to appear as if they were in compliance with timely responsiveness - but the postmark on the envelope is XX/XX/XXXX and I finally received the letter XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XX/XX/2016 I was the regional property XXXX for apartments in XXXX XXXX XXXX  ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.
Product: Debt collection

My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for almost 5 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number : XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Product: Student loan

Nelnet and XXXX both have duplicated loans repeated on both of their company and the servicing lender. I have advised to correct, and they refuse to. I Filled a XXXX  XXXX XXXX  and have provided them with records and still ignore. I have also Disputed with Studentaid.gov and under review. Continue to have economic Hardship and loans placed in deferment. Constant interest charges that exceed the original loan amount.
Product: Checking or savings account

XXXX I closed checking and savings account at XXXX XXXX receiving 2 Cashiers checks for the balance of those accounts. Check # XXXX {$1900.00} checking & Check # XXXX {$1000.00} savings account. 
XXXX Both checks were Deposited into my chase checking account via XXXX XXXX XXXX Both check were cleared by XXXX XXXX and funds released to Chase Back same day. 
XXXX : Received email from Chase stating my accounts would be closed due to Fradulent activity.on XXXX and all banking services were suspended immediately. 
XXXX : I visited Chase Bank due to my Bank card not working - I did not know my account was frozen. I missed the mail sent to me on XXXX. Account services stated my accout was about to closed due to fraud for the Cashiers Checks previously deposited. I presented the actual Cahsiers checks to Staff at Chase ( security measures visable on checks, and call to XXXX XXXX branch verified they produced the checks. Chase Branch personnel asured the validity the cashiers checks to their fraud department. I was informed nothing could stop closure of my accounts. Chase would send me via mail my checking account balance, my savings account balance within 5 to 10 business days and the {$2900.00} amount from the 2 cashiers check. with in 3 weeks time. 
I received balance of my Chase checking account and Savings account within 10 business days. I did not receive my remaing funds. 
XXXX I visited Chase Branch XXXX : Inquiring about my missing monies and Branch contacted Fraud dept - which stated XXXXXXXX XXXX could not be reached to veify validity of funds. 
XXXX Contacted XXXXXXXX XXXX to verify funds were dispersed to Chase and they could not cancel checks. 
XXXX Back and forth with XXXX XXXX offering to assist me and Chase Bank Branch assisting me yet Chase Fraud Dept . refusing to accept any information from XXXXXXXX XXXX and Chase Branch. 
XXXX Returned to Chase Branch - informend Branch its been over 60 days that Chase has had my funds. Enough time has passed for Fraud to have completed their investigation and release my Funds. 
Chase Branch : XXXX opened a investigation in my behalf and that would demand a respose from Chase within 72 hrs XXXXXXXX XXXXXXXX received call from Fraud Dept. I demanded Stating investigation opened- and they will respond. I was told I would get a call with fax number to send documation I had. I received no number. 
XXXXXXXX XXXX XXXX Received call from Fraud Dept. Once again stating XXXXXXXX XXXX  could not be reached to verify the cashiers checks. No other remedy is available. Fraud Dept could not direct me with any other recourse. 
XXXX begain researching how to sue Chase for return of my monies. 
Chase Bank has not remedy for this. They have basically stolen my money and has no intention of returning it to me. They have never contacted me again about returning it.
Product: Credit card

I USED PAYPAL TO PURCHASE CLOTHING FROM THE XXXX COMPANY XXXX FOR THE AMOUNT OF {$250.00} AND THE ITEM WAS SUPPOSED TO HAVE BEEN DELIVERED ON XX/XX/year> ORDER # XXXX. THE PACKAGE SAID IT WAS DELIVERED, YET I DID NOT RECEIVE IT. I FILED A DISPUTE WITH XXXX THEN WITH PAYPAL AND THEN WITH MY BANK, WHICH TOOK MONEY OUT OF MY BANK ACCOUNT. THE BANK OVERTURNED THE CHARGES TEMPORARILY UNTIL XXXX STRAIGHTENED IT OUT ABOUT THE MISSING PACKAGE PAYPAY STILL HAS THE DISPUTE IN PENDING STATUS FROM XX/XX/year> WITH PAYPAL AND THE BANK OVERTURNED THE TEMPORARY CREDIT OF {$250.00} WITH XXXX OVERDRAFT FEES OF {$34.00} AND XXXX WILL NOT GIVE ME THE PACKAGE. PAYPAL IS NOT RESPONDING, AND NOW THE XXXX COMPANY WILL NOT GIVE ME MY MONEY, REDELIVER THE PACKAGE, OR COMMUNICATE WITH ME ANY FURTHER. I WANT A FULL REFUND OR THE PACKAGE SINCE IT WAS PAID FOR. AT THIS POINT I REALLY WANT MY MONEY BACK. I THINK THAT CONSUMER FRAUD SHOULD ADD THIS COMPANY TO THEIR FRAUD LIST SO IT DOES NOT HAPPEN TO ANYONE ELSE UNLESS IT HAS ALREADY. IF XXXX DOES NOT WANT TO COMPLY THEN I FEEL PAYPAL SHOULD RESTORE MY {$250.00} FULLY BACK INTO MY BANK ACCOUNT IMMEDIATELY WITHOUT HESITATION.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. My payroll deposit has not been deposited into my checking account as it should today on XX/XX/XXXX. I wasnt given a heads up about any issues. I got an email late last night saying issue should be resolved by Friday morning XX/XX/XXXX but it hasnt. I attempted to call Capital One and cant get through to a live person.
Product: Student loan

My private student loan has been going for approximately 16 years. I am the consigner. I am now XXXX XXXX XXXX and on social security. Very little. Naive to will not release me. My son is capable of paying and has been paying. Please help me. If I default it will ruin my credit and or they may take my social security. Thank you