23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient XXXX XXXX XXXX is calling me about someone else 's loan. They are wanting me to give them information so they can contact this person. I'm unsure why they are calling me about something that doesn't concern me.
Product: Credit reporting or other personal consumer reports

Loans were discharged a long time ago and this has not been reported to the credit bureaus. My balance is now zero however the credit bureaus are still showing that I have many thousands of debt. Some of the loan balances have not been updated since XXXX. The one that was updated in XXXX still shows incorrect information.
Product: Debt collection

I LIVED IN AN AREA WHERE I COULD NOT RECEIVE A SIGNAL FROM XXXX SO I CALLED XXXX AND TOLD THEM. THEY TOLD ME TOUGH YOU SIGNED A TWO YEAR CONTRACT. SO I WENT TO ATT AND IT WORKED FINE -- I COULD N'T SEE PAYING FOR A SERVICE I COULD N'T USE
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX first citizens bank XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX AOD federal credit union XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT XXXX XXXX
Product: Credit reporting

We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate.
Product: Credit reporting or other personal consumer reports

Repeatedly, I have requested, in writing and electronically, both my LexisNexis and XXXX credit reports directly via XXXX Mail as well as online via the LexisNexis website and been denied access to my own reports. I have already contacted LexisNexis and XXXX to place a freeze on my credit files due to extensive identity theft and fraudulent activity discovered previously on my XXXX, XXXX, XXXX and several other credit reports. I called LexisNexis directly via telephone and spoke directly with their identity XXXX department and XXXX the situation in detail and that the issue with any conflicting personal information in verifying my identity is likely due to the fact that I am a victim of ongoing identity theft. The representative who informed me that they were having difficulty confirming my identity previously had instructed me to upload sensitive personal identification documents to LexisNexis in real time, which I did and that person confirmed that they were able to successfully verify my identity and would manually override the system defect and mail me a copy of my LexisNexis and XXXX credit reports. I uploaded both sides of my drivers license, social security card, a bank statement and my most recent electric bill. XXXX days later, I received yet another letter from LexisNexis stating that my identity could not be verified and my report requests were denied. XXXX months have elapsed and still nothing has been sent to me since that telephone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX 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 instructions
Product: Debt collection

I have been making regular payments on 3 accounts that I have with Lloyd and McDaniel.  I have never missed a payment and I have kept all my confirmation numbers that I get each time that I make a payment.  However, last month Lloyd and McDaniel claimed that I had skipped a payment of $XXXX.  In doing so and without notice they levied our bank account and emptied it.  They took $XXXX.  Also our bank charged us $XXXX for them doing this.  I contacted Lloyd and McDaniel and was told I had missed a payment.  However, I was able to give them the confirmation number to the account they claimed that I missed.  Once I did so they realized and admitted that it was their mistake.  Somehow their payment system posted my payment to one of the other accounts even though I had put the correct account number in there.  They said they would make it right and would have the funds released and would also pay for the fee the bank charged.  I was told to expect the payment in a week.  When that week came and went I called a week later and got the same story.  So once again I contacted them and was told that if I hadn't received our money by this past Wednesday the 14th to call them.  Our bank account was emptied and as of today Lloyd and McDaniel has still not corrected their admitted mistake.  We cannot afford and attorney but I have been trying to find someone to help us.  It has now been 3 weeks and they have still not returned our money to us.  Please help us somehow!!!!!
Product: Student loan

My monthly payment has been separated into multiple payments. It also does not match the payment plan I selected and that was approved. I can not get ahold of anyone by phone and I submitted an email contact form. There was multiple messages by phone and on the website trying to dissuade me from contacting them, because there is too many people trying to contact them. If they do not have adequate customer service and systems to collect payment fairly and reasonably, how can I be forced to pay them?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX {$8.00} XXXX XXXXXXXX {$0.00} XXXX {$2000.00} XXXX {$3600.00} XXXX {$2000.00} XXXX {$3600.00} XXXX {$4000.00} XXXX {$6900.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$1700.00}
Product: Mortgage

My mortgage loan was transferred from Di-tech to a new mortgage company XXXX XXXX. The first bill I receive from XXXX due XX/XX/XXXX, states I owe an amount {$360.00} higher than my normal monthly payment of {$790.00}, a total of {$1100.00}. I have called both companies, XXXX states I need to make this payment in full and that this was is an underpayment that was transferred over from Di-tech. When I reached out to Di-tech I was told various reasons for the amount that was transferred and owed. First it was legal fees, then inspection fees, then fees from XX/XX/XXXX( unable to specify the type of fees ) and finally fees associated with a modification done back in XX/XX/XXXX. In XX/XX/XXXX, I was charged fees associated with my modification in total of  {$16000.00}, that was added to my loan, in addition to that, they assessed legal fees and inspection fees in the amount of {$3600.00}, which brought my mortgage total from {$94000.00} to {$110000.00}. Neither Di-tech or XXXX   can explain why I am now being charged an additional fee of {$360.00} 20 or 5  years later ( they cant seem to get the year right ). I don't want to be late on my payment as that will cause a domino effect of other issues ex : Late fees and who knows what other fees they will come up with. I am in need of your help as I feel they are just tagging fees and taking advantage of people to get more money. I have attached my payment history starting from XX/XX/XXXX through XX/XX/XXXX when my loan was transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert from credit monitoring service that inquire from Bank of America posted on my account XX/XX/2018. Contacted XXXX XXXX to notify that I did not apply for credit and inquiry is unauthorized. XXXX advised that I contact BOA to have inquiry deleted. Contacted BOA and was advised to contact XXXX to have deleted because they have not record of application on file. Contacted XXXX  to have inquiry deleted after explaining what was advised by BOA. XXXX indicated that they could not delete and I would have to contact BOA.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not a debt owed. This was a wrongly filed eviction and the money was in escrow and upon discharge of the eviction the funds were released to the landlord. All information including payments is public knowledge through XXXX XXXX Florida court records. There is no balance owed whatsoever. 

In their attempts to act as a debt collector and make contact they contact family and friends and were belligerent, belittling and rude. The claims are false and when I attempted to make a call to ask and explain I was met with yelling, name calling and lots of so prove it prove it which is easily done. The manner in which this so called debt collector acted was insane/
Product: Mortgage

Wells Fargo has foreclosed on my mortgage loan and is trying to take possession of my home without having given me the proper opportunity to modify the loan ; nor did they submit subsequent notices as required by law ; and they used Atty. XXXX XXXX an employee and attorney for XXXX XXXX XXXX claiming to be a XXXX representative to fraudulently assign the property ( ROBO signature ). 
Though I have taken this complaint to Appeals Court, the issue was never answered in response to my original complaint : That nothing in Wells response shows they qualified or considered me for XXXX ; Wells violated the consent agreement made with the Dept. of Justice and Illinois XXXX, XXXX XXXX 's office which is supposed to require them to attempt to keep me in my property. 
Wells mislead Consumer Finanace Protection Bureau in their response to my complaint ( CFPB Case # XXXX submitted XXXX/XXXX/16 ), and Wells did not answer the fact that no XXXX modification had been attempted, and Wells representatives did mislead the Court when they fraudulently assigned the loan. They need to produce the assignment. 
They do not comply to the consent order made by the Justice Department. Wells simply says in their CFPB response to my complaint listed above : " we 've determined your account was handled appropriately and no adjustments are needed. '' Will the CFPB make them answer the issues of my complaint, or simply take Wells Fargo 's word for it accepting their side of the story and my complaint just goes away? I am in jeopardy of being displaced with my children and another family, living with the threat of the XXXX coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX  XXXX XXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!
Product: Money transfer, virtual currency, or money service

I am the owner of a XXXX XXXX, and we are an agent for XXXX. On XX/XX/2024, a customer transferred and paid to us {$610.00} + {$10.00} fees for a total of {$620.00}. The money did not go through, so she came back and called XXXX. XXXX agent asked us to refund her the money ( as is the usual practice ). I processed the refund on XX/XX/2024 and since then the company 's transfer line went down. No further customer was able to complete a transfer. I called XXXX to recover my money and they said you can recover when next customer makes a transaction. Problem was that XXXX dropped all their agents and no one could transfer the money. I called for refund of the {$620.00} credit balance on my account, and they kept saying week, XXXX weeks and so on and as of now have not received it and fear that it may get lost if the company were to file bankruptcy.
Product: Credit card or prepaid card

I received a brochure offering no annual fee if using the application and code provided in flight. I entered this and was still charged {$99.00}. Reached out to the company and was denied on XX/XX/21 and received a follow up letter saying there was nothing they could do. Attaching the brochure I was provided.
Product: Mortgage

My husband and I have had a mortgage with Nationstar since XXXX ( it now refers to itself as Mr. Cooper ). The monthly mortgage payment is {$4400.00} which we have also always timely paid. See the Exhibit hereto named Part 2 which is proof of all payments from XX/XX/XXXX thru XX/XX/XXXX. Last XXXX and XXXX, Mr. Cooper sent bills requesting a lesser monthly amount ( {$4300.00} ) but we continued paying the correct amount. See pages 2 and 3 of the Exhibit hereto named Part 5. The mortgage documents provide that we will pay our own insurance and taxes and we have always timely done so. For an unexplained reason and without prior or subsequent notice to us, Mr. Cooper paid our taxes and insurance premiums on the first day each was due. I paid those same insurance payments and tried to pay the taxes a few days later ( the taxes were marked paid online ). In a bill dated XX/XX/XXXX, Mr. Cooper requested {$26000.00} and at about the same time my payments were returned to me by the insurance carriers ( a total of {$9800.00} ). See page 4 of the Exhibit hereto named Part 5.  I wrote to Mr. Cooper on XX/XX/XXXX ; see page 1 of the Exhibit hereto named Part 5. Mr. Cooper responded on XX/XX/XXXX with a response I still find incomprehensible and an exhibit that clearly shows I made all payments and that Mr. Cooper is aware that payment by it of the taxes and insurance was without authorization or prior notice to my husband or me. See the Exhibit hereto named Part 4. I have tried to call Mr. Cooper without success. I wrote and email on XX/XX/XXXX requesting a response or call so that I could feel comfortable sending the {$9800.00} we owed but have had no reply. See the Exhibit hereto named Part 1. Although they have not replied, we did send the {$9800.00}. See the Exhibit hereto named Part 2 which shows Mr. Cooper 's receipt of that {$9800.00} and our timely payments of all mortgage premiums from XX/XX/XXXX thru XX/XX/XXXX. Now, Mr. Cooper seeks {$11000.00} from us ; see page 1 of the Exhibit hereto named Part 3. Somehow, our payment of {$9800.00} made the amount due go down {$13000.00} ( from {$23000.00} to {$11000.00} ). See the Exhibit hereto named Part 3. We are totally confused and do not know if Mr. Cooper is  engaging in incompetent or criminal behavior. What we do know is : ( 1 ) we have timely paid all amounts owed, ( 2 ) Mr. Cooper is not treating us fairly, ( 3 ) we have lost all confidence in Mr. Cooper, ( 4 )  Mr. Cooper has harmed our credit rating ; ( 5 ) we could sue and ( pursuant to the mortgage documents ) be awarded attorneys fees to be paid by Mr. Cooper. I hope that this can be resolved with your kind assistance without the need for litigation. Thank you.
Product: Vehicle loan or lease

XX/XX/2007, car accident loan not fully fore given.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had set up automatic payments and did not opt-out to received my statements however for the past few months I haven't been receiving my statements so I am assuming that everything is fine since I have set up automatic payments for my account. My only thought is that due to this pandemic COVID-19 the world is experiencing right now I got caught up and wasn't able to double-check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}
Product: Payday loan

I took out a lone for {$1200.00} and I have pay back {$1700.00} they said I still owe {$1000.00} I have made seven payments
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Vehicle loan or lease

Here is a brief description of the issue : On XX/XX/2022 I paid in full the remaining of my vehicle loan {$1200.00} to Santander Consumer USA. 
About a month later I received a card with about {$8.00} dollars as apparently I paid this amount in excess. 
After I paid in full I requested documentation that would allow me to request my title without any pending loan. Three times the Santander agents have said they sent the document and I have never received it. My account is closed which makes it incredibly difficult to contact the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX  account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX XXXX XXXX - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX