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

This company popped up on my report a few weeks ago and I never received any type of notice about it. I asked for it to be removed and be sent proper documents about collection. I then asked them to remove it also because it totals {$200.00} which is under the {$500.00} limit and should have not been placed on my credit any way. 

Company : Commonwealth Amount : {$200.00} I have no idea about anything else as I have never received anything from them regarding this account.
Product: Credit reporting or other personal consumer reports

Accounts opened by identity theft did not authorize victim of XXXX data breach personal info was compromised
Product: Mortgage

As evidenced by the enclosed reporting to the IRS - 1099A - Select Portfolio Servicing stole {$31000.00} in insurance proceeds due me, as the beneficiary, for work I completed to the house PRIOR to them foreclosing on the " property ''. *PROPERTY being the contracts and security futures - separate and distinct from the real property they simply stole ( or believe I gifted to them ). 

Nonetheless, if SPS is able to refute the claim put into the IRS for the {$31000.00} please do so. Otherwise, I wish for the funds to be returned to me within 14 business days time. 

Thank you. 

A formal demand letter has been sent to SPS attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and the XXXX XXXX XXXX  to audit the account.
Product: Mortgage

Servicing of our loan was transferred to Nationstar Mortgage XXXX, dba Mr .Cooper last fall. We always pay on time, and always pay much more than the minimum. They almost always mess up the allocation of our payments, so that I have to spend hours on the phone with them getting it straightened out. 

This is very annoying, and suspicious, since their mistakes ALWAYS are in their favor. 

Recently, their screw-up in allocating our payment resulted in them reporting that we were more than 30 days late making a mortgage payment, despite the fact ( which they acknowledge ) that we have always paid on time. As a result, our perfect credit rating is ruined. 

I desperately want a different servicer, and I fervently would like to see this horrible company get whacked for their misbehavior.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with TD Bank on XX/XX/2021. I was charged a fee of {$2000.00} cash upfront for a credit card. According to Federal law, specifically 15 USC 1605 ( a ) ( 3 ) TD bank is not supposed to charge a cash fee upfront in a consumer credit transaction. Also, TD Bank failed to disclose my right to rescind the contract. Pursuant to 15 USC 1635, TD Bank is obligated to disclose my right to rescind the consumer credit transaction. pursuant to 15 USC 1611 TD bank is criminally liable for willful and knowingly failing to disclose my federally protected right to rescind pursuant to 15 USC 1635. Pursuant 15 USC 1640, TD Bank is civilly liable for violating my federally guaranteed and protected right to rescind under 15 USC 1635.
Product: Credit card or prepaid card

I used my Costco Anywhere XXXX Card by Citi to purchase the airline tickets from XXXX Airline with amount of {$3300.00} in XXXX XXXX, 2020. Due to coronavirus pandemic, my flight was cancelled and XXXX has refunded the full amount back to my credit card on XX/XX/2020. I also receive an note from Citicard on XX/XX/2020 to confirm a permanent credit of {$3300.00} has been applied to my account. But for unknown reason, the same charges was billed back to my account again in end of XXXX. I call and dicuss the question with Citicard customer service/dispute department and request to remove the charges as it should be. They promised to put into investagtion and solve the problem ASAP with confirmation letter on XX/XX/2020. From then, I try to contact the credit card company many times to find out the status/updates but no solution at all. They only ask me to wait for their investgation result. Now it has been XXXX monthes passed but the charges still remain on my account. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX   XXXX Balance : {$15000.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; CXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have file several complaints with XXXX and Truist Bank concerning a credit card account I am no longer apart of. It is still showing on my credit report for XXXX. XXXX and XXXX has already cleared this dispute with my credit report. I have filed XXXX disputes with XXXX with the same results.
Product: Student loan

I dont know who to get in touch with exactly but here is my question or need for your input. 
Around the second week of XX/XX/XXXX I called XXXX XXXXNavient to find out how much my loan would cost to pay off the entire loan. 
I was told {$34000.00}. I told XXXX with Navient that it would probably be around the second week of XX/XX/XXXX before they would receive the money. 
I was transferred to the Department of Education then and spoke to XXXX XXXX. 
I asked how could I get out of a payment, make a forbearance and she said yes and said the next due date would be XXXX XXXX. I told her the loan would be paid off by then. 
I received the money I needed to pay off the loan and sent a cashiers check to Navient on XX/XX/XXXX. It was received by them XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient saying they got an overpayment and needed direction on how to process it. The date on the letter is XX/XX/XXXX. 
I called Navient and spoke with a lady named XXXX. She told me that she didnt see where this letter was sent to me and after looking at my file she told me I owed them {$220.00}. 
I asked how that was since I just payed off my loan and she told me that is what I owe. I asked to speak to her supervisor and after a XXXX minute wait I finally spoke to XXXX. 
She told me that the reason I owed the {$220.00} was because I had 10 days to pay off the loan when I called and talked to both XXXX and XXXX XXXX. 
I explained to XXXX that neither lady told me I had 10 days to pay it off. 
XXXX told me that under the circumstances I still owed that money and it is compounded daily till I pay it off. 
My question is why do I have to pay Navient the {$220.00} when I was not told I had 10 days to pay it off and had gotten a forbearance?
Product: Debt collection

i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate and/or negligent information on my credit report against XXXX. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681o, credit reporting agencies and furnishers of information have a duty to maintain accuracy and ensure their reporting is free from negligence. The following accounts contain incorrect and/or misleading information that has negatively impacted my creditworthiness : XXXX Incorrectly marked as late despite a {$0.00} balance XXXX XXXXXXXX Incorrect balance of {$230.00} XXXX XXXX Incorrect balance of {$1700.00} XXXX XXXX XXXX  Incorrectly marked as late despite a {$0.00} balance XXXX Incorrect balance of {$4900.00} XXXX Incorrect balance of {$7800.00} XXXX  Incorrect balance of {$4700.00} These inaccuracies constitute negligent reporting under the FCRA. I request an immediate investigation into these accounts and that any inaccurate information be corrected or removed. Please provide written confirmation of your investigation results and the corrective actions taken. 

In accordance with the FCRA, you are required to complete your investigation within XXXX days of receiving this dispute. If these inaccuracies are not addressed, I may be forced to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for damages caused by this negligence. 

Attached are copies of my identification, proof of address, and supporting documentation to facilitate your investigation. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and look forward to your response. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy won't cash my check because of a credit report. 

XXXX XXXX XXXX in XXXX XXXX Iowa uses CERTEGY for what purpose? I want asking for a loan. So why does my credit report have any involvement,?
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 XXXX 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance. 

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance.

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX Sent from my XXXX
Product: Debt or credit management

Ive called IC Systems to resolve a debt collection i have with the company in the amount of {$180.00}. I called multiple times and i have not heard anything from the company. First called was made on XX/XX/2024 at XXXX. Second call was XX/XX/2024 at XXXX, third call XX/XX/2024 at XXXX. All on the same day, different attempt on XX/XX/2024 at XXXX and XX/XX/XXXX at XXXX. I have not heard nothing back from the company, im trying to resolve this matter to come with an agreement for a settlement. 
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Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX TN. I had the misfortune of having to interact with XXXX. I inquired about making international transfers via the phone as I live part time in XXXX, she said they did not allow this and I had to go into the Branch. I told her there must be a way and she became argumentative and we went back and forth, I asked to speak with one of the bankers and she said they would tell me the same thing. Extremely rude, condescending and an overall unpleasant person. I ended up speaking with XXXX who confirmed that this could be done. XXXX did not know the process very well so I ended up speaking with XXXX who was almost as bad as XXXX and did not care when I complained about XXXX 's service. I was told I needed to sign paper work and get a pin and it would take about 2 days. I completed the paperwork and left. I told my wife that it would need to be mailed and would take 2 days which did not make sense to her and she called XXXX on XX/XX/XXXX, who then said it would take 2 days to process and 5-7 to get the pin. XXXX said she could not help ( although made no attempt to call the wire department ) and said she would transfer my wife to the wire department and then did a " cold '' transfer to the normal customer service line and someone in the XXXX. This person was also unable to help and so my wife asked to speak with someone in the U.S. She ended up getting transferred several more times ( 4 in total ) until she was told that the wire department does not speak to customers. I have a need to transfer the money early next week and am back in XXXX and Truist created a number of problems by preventing me from making a transfer and access to my money. The conversation with XXXX and my wife was late on the XXXX a Friday and she did not appear to want to take the time. This is not the first time we've had issues with extremely poor service from Truist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number : XXXX and Account Number : XXXX is reporting to my consumer report as charged off accounts. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. These accounts must be removed from my consumer report per IRS Publication XXXX ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. 
See https : XXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Freedom debt relief company for a consolidation loan in XX/XX/XXXX. They told me I didn't qualify for a loan because my debt was at 80 % of my total available credit, and I would be great and using their debt relief service. They told me to stop paying me creditors and change my personal phone numbers listed with the credit card companies and give their number. About six months I paid {$400.00} per month while intrest and late fees piled up to my account. From XX/XX/XXXX to XX/XX/XXXX I had made payments for nothing until they claimed they made a settlement with XXXX XXXX and XXXX XXXX XXXX which accrued a lot of debt. They supposedly settlement at 50 % of my debt which went from XXXX to {$12000.00} but they locked me in at owing XXXX at a high rate of 22.9 % which they didn't tell me in the beginning. 1 year later I still owe over {$14000.00} and my original debt after settlement was {$12000.00} and they ruined my credit score. It was much higher before I started doing business with them.
Product: Payday loan, title loan, personal loan, or advance loan

I have auto pay scheduled to take out my auto loan on the XXXX of every month which I pay for on time every month. They did not take it out so I decided to manually take it out on the app. XXXX days later it took another XXXX dollars out my account. When calling them I asked for my refund and documents instating that this is getting fixed and for it to be expedited due to it being their fault and due to me needing that money for other bills. The lady on the phone was VERY rude to me AND they told me their was nothing they can do and im going to have to wait XXXX weeks for THEIR mess up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company about missed payments during covid and they sent me back an inaccurate letter. I also disputed it on XX/XX/2021. Then I sent out a response certified mail and had it notarized Monday XX/XX/2021. I also included an invoice with all the violations that this company committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit had been pulled 2x additional times " without '' my consent for closing on a home with XXXXXXXX XXXX who delayed my closing for no apparent reason not making me aware of what was going on. I finally closed on XX/XX/2021. My credit was pulled XX/XX/2021, ( 7 ) days prior to closing without my consent, XX/XX/2021, and XX/XX/2021 by " Advantage Credit , Inc ''. I had a XXXX credit score. I asked the mortgage company, XXXX XXXX XXXX, why it was pulled, he said he is not sure. I perform a primary home purchase and interest rate was extremly high 5.5 %. I asked him to lower it several times and said he was unable to do so. The additional 2x hard credit pull dropped my score to XXXX and 2 additional hard credits pulls. I appreciate the last 2 hard credit inquiries " Removed '' asap. It is affecting my number of credit pulls and credit score. It has also affected my ability to obtain other credit cards and/or home purchases.
Product: Student loan

I have a loan from XXXX, I 've made payments along the way, I 've filed for forbearance and economic hardship back in XXXX and XXXX. I received a call at work last week from a collection agency, I have no idea how they got my work number, I gave them my cell number, I had a talked to a young lady who asked about my income and wanted to know my family size. I received a letter stating that I need to give them a copy of my prior year tax return, IRS transcript or an authorization for IRS transcript. They are not the originator of the loan. I requested a copy of the original loan and was told it would take 6-8 weeks to receive a copy. I do not feel comfortable giving this information to them. The young lady told me that she could have called my payroll office to get the information to begin garnishment, but she wanted to talk to me first to see if I could provide her with the information. At this time I am just getting by with what I make, I can not afford to pay anything right now. They want to get me enrolled in a " 15 % rehabilitation program '' only to have someone else purchase the loan after I make " 9 qualifying payments. '' The company is out of Texas, but they call from a local number, they also an OH address on the letter. They are giving me 30 days to give them this information. There is a note at the bottom that states the amount owed, but because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. That statement makes no sense, how can a payment plan be calculated if the charges may vary day to day? Please Help! Is this legal? Do I have to give them this information? 
Can they garnish my paycheck?
Product: Credit reporting or other personal consumer reports

I recently receive a cop of my my credit report and I noticed I had fraudulent accounts in my credit report .Please removed these account they are preventing me from obtaining credit .Thank you for your time
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) is violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting collection account # XXXX without debt validation.