23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never owed a debt to this company and they are harassing me. This is a scam.
Product: Mortgage

Back in XXXX Citimortage did not give me any options when I was having problems paying my mortgage. I even inquired about a deed in lieu. I made countless calls and stayed in communication but I ended up getting foreclosed on. I just found out that based on CPA of XXXX and the CFPB mortgage disclosure rules od XXXX, that they should have tried to help me. What are my options now?
Product: Student loan

Thank you for reading this email and hopefully you can assist me in this area. I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX, which are serviced by American Education Services disbursed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These loans total approximately {$25.00} and I have been trying real hard since I retired in XXXX of XXXX to continue to make these monthly payments. Unfortunately I have run into financial difficulty, now on a fixed income and have called A.E.S.to arrange a lower payments. I was informed that I have to write letters to the lenders of these loans, which was completed asking both lenders to lower the monthly payments. I received replies of " unable to grant your request '' from both lenders. I again called A.E.S. again to find additional solutions and they tried to get me a " Modified Graduated Repayment Schedule '', which also was denied. I have run into a brick wall with this situation. I have offered to make lessor monthly payments to continue to pay something on these loans where the extra money will assist me with my mortgage payments. The only option they offered was a 'Hardship ' for one ( 1 )  year, which to me does not help the issue much, and to re-finance the loans for 25 years. I ask for help and guidance in this matter and look forward to addressing my concerns about how we as a Country struggle with defaulted student loans when the lenders of these type of loans fail to help the borrowers when in need. Again I look forward in talking with someone from your office.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit card

I have had a B. P. gas card for over ten years now, never paid late, my interest raye as of XX/XX/XXXX was 21.49 % now since syncrony bank has taken card over, rate has increased to 27.24 % an increase of 5.75 % or ruffly 26 %, I feel as a loyal customer this is unfair, and would like to know on what do they base % on?
Product: Bank account or service

On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really infuriated now! As if all the efforts Im putting into this are nonsense, you are so negligent! What is happening over there at the CFPB and Experian?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Experian report. I have done my responsibility to submit to you my personal information, my dispute letters, and the FTC report to prove to you AGAIN and AGAIN that I am a victim of identity theft. So what else should I do? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm really beyond bothered. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Please DELETE this damaging information from my file right away! 

XXXX XXXX A XXXXXXXX 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

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # XXXX  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.

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 reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 
3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 5. Please block and remove this XXXX and XXXX data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXXXXXX XXXX 6. Please block and remove this XXXX and XXXX data on my credit report. DISCOVERBANK Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


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 inquiry XXXX inquiry
Product: Debt collection

I called and ask how much would it be to get off of my credit report the lady said {$93.00} and itll be gone
Product: Vehicle loan or lease

I traded in my XXXX for a XXXX and the delership i purchased the XXXX from took forever to finalize the loan for whatever reason? 
in the process they did not pay off the balance with santander on time and I incurred a late payment on my credit report that affected my score. 
Santander has since provided me with a pay off record which I will attach in this writting, please let me know if you can help with this matter ... I did not intentionally not make a late payment, this was XXXX fault and I want it to be right ... 
best XXXX
Product: Credit card

My credit card company Discover recently closed my account for reasons not specified. So currently since I have a remaining balance on it I still have to pay it off while not having access to my card for daily spending.
Product: Credit card or prepaid card

date 3 plus hours on phone with 7 people from capital one credit car on saturday of XXXX XXXX weekend trying to pay on my huge XXXX dollor bill at capital one XXXX was very helpfull and tried but still get a monthly bill and added late charges They Capital one would not take my payment via debt card said I had to payonline I cant I put in my name it asks for password I dont remember my password its been years since I used my password they said send us a copy front and back of your driver lic How do i do that I have cell phone and lap top told them turn me over to a collection co. they will take my payment from my debt card put me over to 7th person she said go to a store do a XXXX XXXX thing so now she asking me to take XXXX dollor cab ride to send her XXXX and another XXXX cab ride home as I dont drive Health issues she said and laughed she said well what do you want me to do about it this is your problem my social XXXX XXXX XXXX doesnt matter if you have it capital one has allready ruined my credit score thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXX XXXX of XXXX : XXXX remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this second complaint because on the first complaint I sent they simply said case closed. So this is my response to their reply on my first complaint This is the Second time you are receiving official direct credit reporting issue because I have decided to file it through CFPB after not receiving a response on my previous ones that I have filed. You are hereby saying that I have always made manual payment prior to that date ( Which is correct ) I also stated that after changing my banking info ( Go ahead and check that in your records ) you will see that I have 2 bank accounts on my profile attached, I was told I am good for the auto pay. I switched my bank account and I called to set that auto pay up. The timeframe you said I set the autopay is because I got tired calling you for the same thing and I did it online. Same as you claim that you have called me numerous times and tried to reach me I did the same with you. I called and explained myself that I don't do LATE payments. Your payments are the only one that are reflecting bad on my report. My credit score is again PRISTINE clean with never being late on a payment. Why would I knowingly not pay you and let my score go down? When TONS of your customers were deferring payments due to corona pandemic I didn't and I kept paying. Now here I am trying to remove an injustice done to me by the Bank that I am with for the previous 5 years and in that span I have never missed a single payment, on top of that I have made EXTRA payments ( Maybe you should go and check your system for that as well and let me know ) So my point is why wouldn't you remove something that its not done by me? Is that how you appreciate and look after your current long-term customers?
Product: Credit reporting or other personal consumer reports

They refuse to delete address that are incorrect. I have submitted several complaints. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have attached a copy of my id with my current address.
Product: Credit card or prepaid card

I had autopay set up for my credit card to pay the entire balance on the due date. This had been working fine for the previous due dates. But my last due date, they changed the autopay to just the minimum balance. I saw the payment go through so then I paid the additional remaining billing amount on the same due date, which was a Sunday. Then BofA charged interest on my balance since the payment didn't post until Monday. I reached out to them and they credited my account for the interest, but I want this to go on the record because this probably happens to a lot of customers and they just pay the interest.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX  XXXX sad help me please XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE TRANSUNION IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH TRANSUNION. TRANSUNION HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. TRANSUNION IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE DELETED.
Product: Credit card or prepaid card

Use of card on XX/XX/20 and XX/XX/20.tried to report card lost/ stolen and sufficient information given in regards to how to have a account remains on card or weather or not my Social Security Durability amount being direct deposit to XXXX ( netspend ) account.i have tried to understand why i was given two cards which account was tied together and have had tremendous difficulty stopping charges and the blockade of both cards..it is understood that sufficient information was not given as to how to attain balance and direct deposit and weather or not cards have been issued and was hung up on after waiting twice..1 ) 45 minutes ) 2..over 2 hours without suitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has recieved all my documents for my identy theft case and still will not remove the items. I have called and asked that need and i have sent it.. Never a clear response and no one will ever help me. 

Also they never responded to my Method of verifvaction letter and thats kind against the law but they dont care.
Product: Mortgage

I called Penny Mac to make a payment and they informed me that my note had increased over {$500.00} and stated the reason as " city taxes increased ''. I contacted the XXXX County Appraisal District and discovered that the homestead exemption had not been applied. They applied it and notified Penny Mac. In addition, the tax office notified Penny Mac of the resolved issue and subsequent adjustment. Penny Mac has refused to adjust the amount of taxes. Penny Mac reps told me that they would not adjust the taxes because I am late with my payment. I questioned the reasoning to apply an additional {$500.00} in taxes that are not valid as a retaliation for late payment. I also was informed that if they did agree to adjust the amount at a later date after payments had been made that I would not see the return of that money until possibly the term of the loan.
Product: Student loan

I emailed MOHELA my student loan service company on XX/XX/XXXX asking for an amortization schedule. On XX/XX/XXXX, I received a response that i would receive a response within 7-10 business days. On XX/XX/XXXX, i submitted another request for the amortization schedule. On XX/XX/XXXX, i received a reply that the schedule was mailed to my home address. On XX/XX/XXXX, i received a letter from MOHELA indicating my monthly payment amount, my repayment plan, the interest rate, and the terms of the loan. On XX/XX/XXXX, i called MOHELA to inform them that i did not receive the amortization schedule. I spoke with two customer service representatives. The second customer service representative told me that i could not receive a schedule because i may make an extra payment, or make a late payment, or my interest rate may change therefore they could not provide a payment schedule. This is despite the fact that i have auto-debit, have made on-time payments for the life of the loan, and have received an amortization schedule from other student loan servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account is showing a balance but the account is paid in full. XXXX  XXXX Account No. : XXXX. Attached is a letter from XXXX XXXX staying that the account is paid as of XX/XX/2018. I sent Experian this letter and they still report XXXX XXXX as having a balance. This just proves that Experian is very negligent in the credit dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX. I HAVE SENT COUNTLESS CERTIFIED DISPUTES AND LETTERS ON BEHALF TO EQUIFAX THAT THEY ARE REPORTING INOFRMATION THAT DOES NOT BELONG TO BE AND IS FRAUDULENTLY OPENED OR BEING REPORTED ON BEHALF OF OR MY SOCIAL SECURITY NUMBER OR NAME AND I AM NOT VERY HAPPY ABOUT THIS. XXXX XXXX XXXX ARE BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATEDLTY. I HAVE NO BUSINESS WITH THIS COMPANY OR RELATIONSHIP OR DEALINGS AND I DONT UNDERSTAND HOW THIS COULD BE HAPPENING TO ME. WHY IS EQUIFAX NOT REMOVING OR DOING PROPER INVESTIGATIONS LIKE THEY SHOULD BE DOING.