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

I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and XXXX powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 Target reported to the credit bureaus that I was 30 days late. I have NEVER been late with them or anyone else. I paid in full on XX/XX/XXXX as shown by there own reporting. I disputed this with XXXX  and the others but it still shows that I missed a payment. I did not miss a payment I always pay ahead if nothing else. This is wrong, my credit very important to me and its unfair for this to be in my reports. Please correct this error on Targets part. I have Never been late. I keep a XXXX  balance and have been perfect with them. Thank you
Product: Credit card

During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.
Product: Money transfer, virtual currency, or money service

Whenever I have transaction withdrawal paypal is playing and XXXX and there is no proper complaint system to escalate this issue to the higher level all what I can do to complaint to XXXX XXXX XXXX  and when I do that then they transfer my money on same day everytime when I enquire about my transaction the agent is saying is saying its transferred from our side and you have problem with receiving bank and when I ask them to give me the telex copy then they say wait for 15 days so why this lie everytime? 
XXXX this is transaction ID
Product: Mortgage

On XX/XX/XXXX I sent Shellpoint servicing an appeal letter based on the most recent denial letter I had received on XX/XX/XXXX. All my most recent documents had been provided to include paystubs and the 2 most recent bank statements. On XX/XX/XXXX, I spoke with a Representative who confirmed that the docs had been received. I followed up with them again and was advised that they need XXXX ' bank statements for various accounts i had, however some of them would not be available until after XX/XX/XXXX since the month ran from XXXX. iI was able to provide them with the ones which were available that ran until the end of the month and advised them that I would provide one of the statements that would become available after XX/XX/XXXX. On the date of XX/XX/XXXX when i provided my bank statement, i simultaneously received a notice that my loan had been referred to foreclosure. I called into Shellpoint and requested to find out why and they advised that because my bank statements were not provided therefore the file was incomplete and referred to foreclosure. I explained that the bank statement was not available until after the loan was referred and that it was completely out my control. I dont understand how they could have done this. I also have a letter from them requesting this information and telling me that i have until XX/XX/XXXX to provide this information and they still did not allow me this time. Please help. I am not against a foreclosure while trying to save my home.
Product: Money transfer, virtual currency, or money service

I got scammed by a guy named XXXX XXXX using Paypal. I wanted to buy some product from him and sent him a payment of {$130.00} on XXXX XXXX 2017to his Paypal account, XXXXXXXXXXXX. But he never sent the product that I payed for. So I contacted Paypal immediately on XXXX and tried to cancel my payment on Paypal but they did n't allow me to get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n 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 XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against all three bureaus XXXX, XXXX XXXX and Experian for not performing an accurate assessment and timely investigation of my complaint. For inaccurate information being placed on my credit report without concern of performing an accurate evaluation of the customer complaint of negligence reporting on my credit reports. Causing me great danger in losing several job opportunities, cars and houses opportunity. For myself and my family to enjoy. 

CFPB has sued these credit bureau for not providing accurate information on investigations of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting CAPITAL ONE has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX removing a remark. XXXX XXXX Bank was also included in my XXXX XXXX XXXX as of XX/XX/XXXX. This account is also over 7 years old and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all XXXX of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX bankruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Product: Student loan

This complaint concerns the student loan servicer Navient, who has been sued by the CFPD and several state attorneys general for a pattern and practice of " mistakes '' which I have experienced while in repayment, including misallocation/pyramiding of payments and ignoring paperwork submissions in order to accelerate payments, charge late fees, and move loan toward default status. 

I submitted the paperwork for the renewal of my Income Based Repayment ( IBR ) plan on XX/XX/XXXX by USPS Certified Mail. The paperwork submitted included renewal forms and a copy of my XX/XX/XXXX federal income tax form showing a yearly income of less than $ 12k. This qualifies for continuation of the IBR with a monthly payment of {$0.00} ( XXXX ). The tracking number, XXXX XXXX XXXX XXXX XXXX, reports/confirms that my submission was received on XX/XX/XXXX. The request for submission of renewal paperwork which which has a date of XX/XX/XXXX printed on it, states, " To continue with the plan, please reapply by XX/XX/XXXX using one of the methods below. '' Navient did not process my IBR renewal. Instead, Navient sent two letters dated XX/XX/XXXX stating that my monthly payments were set to increase with a total monthly payment of {$670.00} beginning XX/XX/XXXX. This is classic predatory incompetence by Navient.
Product: Student loan

Navient happened. 

Approx XXXX, a Navient employee convinced me to consolidate all of my law school loans ( all $ XXXX ) into the XXXX XXXX XXXX loan, telling me I would automatically be entered into the PSLF if I did. I later found out this was a lie, because my loans would be with XXXX XXXX if I had. And my loan balance has increased to $ XXXX. 

XX/XX/XXXX, I re-certified both my student loans with Navient : XXXX XXXX ( due on the XXXX of each month ) and XXXX ( due on the XXXX of each month ). My payments for XXXX XXXX drastically increased from XXXX {$390.00} to over {$500.00}. XXXX remained the same at {$81.00}. I kept getting e-mails to re-certify my XXXX loans or my payments would go up to {$300.00} beginning in XXXX, putting my total balance owed to Navient - and not counting my bar loan - to over $ 900/mo which greatly exceeds 15 % of my monthly discretionary income. 

I logged into the appropriate site and found that I re-certified in XX/XX/XXXXXXXX. No re-certification is necessary. Instead, what appeared to have happened was that Navient ignored that I re-certified for the second loan and erroneously sent the recertification notices and improperly charged me for my law school loans. 

On the afternoon of Friday, XX/XX/XXXX, I called Navient and spoke with XXXX XXXX. I told him the issues and that I can not afford the $ 900+/mo payment. He immediately gave platitudes and I told him to knock it off. I don't want platitudes. His solution was forbearance. I told him this was not a viable option. Then he suggested I roll my XXXX loan balance ( 2.5 % ) into my law school balance ( 6.0 % ) and that would get me a lower rate. I told him XXXX no. That benefits his company, not me. Why would I roll a lower interest rate loan into a higher one? 

He simply offered to research the issue, but recognized the issue as I described above : Navient failed to properly account for the re-certification.

On top of all this, just before calling, I enrolled from IBR to PAYE.
Product: Mortgage

On XX/XX/XXXX, I refinanced my house located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX through a loan company called XXXX XXXX. The loan was done to pay off my back taxes on a XXXX XXXX. The loan servicer was XXXX XXXX XXXX XXXX. They took an excessive escrow amount for impounds on property taxes. A payoff processing fee of {$7600.00} and additional amount of {$6700.00} for property taxes which total to {$14000.00}. My interest rate was suppose to be 5.7 % but they changed it to 5.8 and included a prepayment penalty on loan document signing. The payment schedule is confusing on the loan disclosure. It states that the monthly payment will be {$1600.00} which included principal and interest. Now, my mortgage statement says this will only include interest and they have my monthly payments at {$3000.00}. They have not corrected my mortgage payment for the adjustment in property taxes. 

I have called both XXXX XXXX XXXX XXXX department and I contacted Select Portfolio Servicing three times already to correct this. SPS sent me a letter on XX/XX/XXXX about hazard insurance required on the XXXX XXXX XXXX, XXXX XXXX, CA XXXX and they plan to buy insurance at a possible higher cost. I already had insurance and they were sent the documentation. Because of the problems in servicing my escrow account, I notified them in writing on XX/XX/XXXX, that I did not want an escrow account. I told them that I already paid my property insurance/property taxes and plan on paying both in the future. Yet, Select Portfolio refuses to refund the money taken for my escrow impound account and keep sending me for monthly mortgage payment of {$3000.00}, which is incorrect and I can not afford. I have been making a monthly payment of {$1600.00} on time for the first 120 months which is stated on the first page of the loan documents. I want my escrow money refunded, my mortgage payment reflecting {$1600.00} to include principal and interest. I'm worried that they will foreclose on me for not paying the mortgage amount that they are requesting. I would greatly appreciate if you would investigate this matter and resolve it. 

Sincerely, XXXX XXXX Loan # XXXX
Product: Credit reporting

my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX
Product: Bank account or service

I opened a Citigold checking account because of a promotion Citi was running where if you met certain criteria with the account, they would give you XXXX XXXX XXXX miles. Well I opened the account XX/XX/XXXX and met the criteria XX/XX/XXXX. A month later I messaged a Citi representative to inquire about when I would receive the miles, and she guaranteed that I would have them in my AA account NO LATER than XX/XX/XXXX. So in between XX/XX/XXXX and XX/XX/XXXX I have been paying fees to have this account open. Well XX/XX/XXXX has come and gone, so I emailed Citi again, asking where the miles were. They then told me that they had opened an investigation of some kind, and said that I may not qualify for the promotion, even after I was told by a Citi rep that I was qualified and the promotional offer was attached to my account. This seems like a classic bait-and-switch to just get my money for the absurdly high $ XXXX monthly maintenance fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Product: Checking or savings account

When i opened this account ( during XX/XX/XXXX ) - I was told to keep the balance as $ XXXX which i am maintaining. On top of that Chase has charged me {$25.00} as account maintenance fees ( on XX/XX/XXXX ) for not maintaining the minimum balance which anyway I was maintaining it. This is scam and fraud. When the interest rates are so high - Chase pay pathetic interest rates and then torturing customers like this.
Product: Credit reporting or other personal consumer reports

Discover Bank is reporting an account as taxable income on my credit report due to the fact that the debt has been charged off. They are continuing to update the balance as c/o on my credit report. I have not yet received a 1099C for this matter as well so that I may file it on my tax return. XXXX, XXXX, and XXXX said they do not report income, however this matter remains unresolved and continues to report negatively on my report as income. Section code 15 USC 1681eb. 

Account : XXXX
Product: Debt collection

Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.
Product: Credit reporting or other personal consumer reports

I keep seeing on Equifax and XXXX that I have a late payment history for XXXX XXXX. However, XXXX XXXX has corrected this on their end to reflect a positive payment history with a {$0.00} balance. According to Equifax and XXXX 's website it shows {$130.00} past due with a late payment history. I have an open dispute still with both. Neither of them can seem to explain why this hasn't been updated. Also, with Equifax, they have one page on the website with my vehicle listed as a charge off. But, they also have a letter from XXXX stating vehicle was paid as agreed with a {$0.00} balance. XXXX just keeps giving me the run around
Product: Debt collection

Shellpoint Mortgage Servicing is repeatedly claiming that I do not have insurance for my property and threatening to charge me additional fees for not having insurance. 

I and my insurer have communicated with Shellpoint multiple times, but Shellpoint refuses to acknowledge that I have all required insurance in good standing. 

Shellpoint continues to threaten and harass me about extra fees they intend to start charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting .. USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX HOSPITAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax over a collection item on my account on XX/XX/XXXX. It is now XX/XX/XXXX and the dispute is still showing as PENDING on my account. I called Equifax and they could not help me and did not offer to put me in touch with someone who could help me. I can not re-submit the dispute nor has it been removed or validated. So this invalid collection is stuck on my credit report.