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

I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXXand XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX.  But XXXX refuse to take actions to correct this issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following companies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be removed.
Product: Checking or savings account

On XXXX XXXX XXXX I initiated a transfer of {$1000.00} from my Capital One savings account to a linked checking account at a different institution. The money was removed from my Capital One account but never showed up in my linked account. On XXXX XXXX I opened an investigation in to what happened. Capital One was VERY hard to understand and deal with. They sent me an email on XXXX XXXX saying that they were looking in to the matter. I received no further communication from them until XXXX XXXX when I reached out again, by phone, and was told it would take 10 business days to get a provisional credit for the {$1000.00}. I said that was unacceptable, and asked for the credit that day. The customer service rep I spoke to said she would request it. As of XXXX XXXX I have still heard nothing from Capital One, and they have not credited my account. As far as I am concerned, they have STOLEN {$1000.00} from me and have made no efforts to address my concerns.
Product: Debt collection

1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month. 

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account. 

5. Original records transferred by XXXX XXXX XXXX to former Bayview Loan Servicing, now Community Loan Servicing ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint.

Bayview prepaid the home insurance ; it is now included in the payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX bank last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXXXXXX XXXX XXXX last four of account number # XXXX XXXX5 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Product: Money transfer, virtual currency, or money service

Western Union still owes me more money due to expenses incurred as a result of lawsuit XXXX filed in Civil Court of the City of XXXX XXXX 

{$45.00} - The price I had to pay to begin a civil lawsuit in XXXX XXXX  XXXX {$75.00} - The price I had to pay XXXX XXXX XXXX XXXX, to have the papers served on your XXXX in XXXX, CO. 

{$980.00} for MTCN # XXXX XXXX XXXX and {$480.00} for MTCN # XXXX XXXX XXXX ; XXXX more attempts were made on this same day to steal money from my account, and if weren't because I noticed the first {$1000.00} missing, another {$1500.00} would've gone missing and Western Union would've done nothing about it. I demand Western Union reimburse me for money that would've been stolen had I not done something about it myself. 

{$1200.00} + {$54.00} were XXXX paychecks I did not receive until XXXX when I was supposed to receive them in XXXX. I didn't receive them due to Western Union 's incompetence which forced me to close my bank account and open a new one, and my employer couldn't pay me without bank statements. 

I am suing Western Union for failure to provide safety to the customer, money lost, and emotional distress. The only amount that I would agree to drop this case for would be grand total of {$10000.00} USD. 

Failure to provide me with this payment will result in a continuation of lawsuit index # XXXX that I have already commenced with the XXXX XXXX of New York XXXX
Product: Mortgage

My mortgage is with Shellpoint. I am wanting to assume the loan. The information on their site says to contact XXXX  so I did. I called Newrez on XX/XX/year> about assuming our VA mortgage. The lady didn't know anything about how that works. She told me they don't have phone number and I had to email them at XXXX. She was going to email them as well. I did email them on XX/XX/year> XXXX XXXX XXXX. I did not hear back from them. In between time, I called the VA and they can't talk to me because the loan we qualified for is because of my spouse. That guy was going to email the assumptions team as well. I emailed the team again on XX/XX/XXXXXXXX XXXX XXXX XXXX  I have yet to receive any information or an email back about the process of assuming the loan. I do not know what I am supposed to do or how I can get a hold of them to get this process figured out. I am very frustrated as I pay my mortgage on time every month. I have emailed them once again yesterday.
Product: Credit reporting or other personal consumer reports

Back in XXXX around XXXX my mother went into XXXX looking on line for good medics and to put her under my medicare I went to a company called XXXX XXXX little I know that my nightmare would just begin well got my mother in XXXX  evrything we nt we ll then after that I didnt check my credit till XXXX and then I saw what had happend in my silence my credit was used to gain not one but three mortgages so after seeing this I went immeditley to the police station reported it and ots on going investigation agent XXXX XXXX told me to not place afraud alert or anything we will be monitoring the situation directly and then in XXXX and this year inquirires have started to come up so they told me in XXXX of XXXX to dispute with the credit agencies, that did not help recived a letter stating it was not me sending letters called and told them off it was me sending the information they rejected my people work wont assit me over the phone getting the run around from department to department please help me straighten this out I am tires of the run arounds I need your assitance please!!!! here are the negative accounts and inquirires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

On XXXX XXXX, 2015 I initiated a bank transfer via Monoygram to someone in XXXX XXXX from XXXX. It was a direct transfer from my bank account at XXXX XXXX to my niece 's bank in XXXX. Moneygram reversed the name and unfortunately my niece 's bank rejected the transfer. I contacted Moneygram and they confirmed that the deposit never took place and promised to credit my XXXX XXXX account for {$100.00}. This happened more than 3 weeks ago and still no credit. I 've called three times and they promise me every time that my credit will appear the following day and as of yet, they have failed to issue a credit.
Product: Mortgage

Pennymac has fraudulently tried to charge me for insurance on a loan without an impount account. I have always paid the taxes and insurance myself. I have had insurance the entire period and provided the proof multiple times when requested. Pennymac claims they paid for insurance as the lender, but will not provide the invoice they paid or even provide the name of the insurance company they paid. 
Now they have failed to apply my regular payments, they are charging me interest and late fee penalties even though I have paid the monthly amount required by the note every month and can document the payment. 
Please have then stop trying to collect on a debt I don't owe and they can't prove. Have them stop charging interest and penalties even though the loan has been paid on time. 

Thanks, XXXX
Product: Payday loan, title loan, or personal loan

This account is over eight years old I have tried to make arrangements and they refused
Product: Credit reporting

I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX Mortgage begin a modification process on my 1st and 2nd mortgage at the same time in XXXX of XXXX. After complying with the terms and paying the trial modification my first was modified permanantly in XXXX but my second was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then in XXXX of XXXX I got another notification that my 2nd mortgage was under trial modification, Again I continued to pay it on time and in XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my 2nd mortgage since the trial began. They corrected this on the first mortgage but not on the 2nd. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the 2nd mortage took so long. But with the first, XXXX XXXX XXXX Reported that I was on time from the start of the Trial Mortage. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my 2nd mortgage from XXXX of XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
Product: Vehicle loan or lease

I have been paying {$360.00} a month on my car loan ( 36 months ) that was originally {$14000.00} and at this point in time they say I still owe {$11000.00}. I understand loans, though what I can not understand that I have paid more than {$13000.00} on the loan and the balance does not make sense and the loan company refuses to explain why, just tells me to find another loan if I am not satisfied. I can not due to the debt to income ratio at this point. I tried to refinance the car through another bank and due to the age of the car and my credit I can not. I can not trade it in because the value of the car is way below the loan balance that should not be as high as it is. Westlake Financial is a horrible, shady company that allows their robo call system to call at all hours of the day and night, holidays, weekends, etc. Currently the account shows a payment of only {$21.00} when I paid {$380.00} on the XXXX of XXXX. Supposedly I owe {$860.00} when my payment is current. This company takes advantage of people who need credit for a car!!!
Product: Consumer Loan

XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... 
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased the membership from this gym back in XX/XX/2019, they didn't charge me at first but they only hold my card, they told me they would charge me when they open in XXXX. They kept postpone until XXXX, I have called them before the time frame and told them I am signing up for other gym because this is taking longer than promised. They told me they would not charge me. They did charged me in XXXX, when I called them and tried to resolve, they told me they can give me back store credit and gave tons of excuses but wouldn't refund me, even told me to dispute with bank its faster, which I did. Ridiculously Citi also sided with merchant and my dispute was closed. I am now charged with XXXX for something i didnt agree with and the service I did not use. Citi wouldn't re-open the dispute. It ws from XXXX XXXX ca for XXXX dollars back in XX/XX/2019
Product: Bank account or service

I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {$22000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {$22000.00} in addition to the {$9000.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {$100.00} by both USAA and the recipient of the payments.
Product: Vehicle loan or lease

I made a mistake in making a payment to XXXX as a payee instead of Hyundai. The XXXX XXXX XXXX XXXX ) confirmation of payment is XXXX 
I did not recognize my mistake until my Hyundai statement arrived and did not reflect the payment made on XXXX/XXXX/XXXX, in the amount of {$220.00}. 
The Branch Manager of XXXX, XXXX XXXX ( XXXX ) met with me on XXXX/XXXX/XXXX. She contacted XXXX XXXX ( XXXXXXXXXXXX ) who confirmed payment was made to " XXXX '' but to the Hyundai account and address. She faxed a copy of the check, in which I was shown as the remitter and was deposited into an account shown on the reverse side of the check " cred to payee '' written opposite my account number ( XXXX ). I do not have an account with XXXX. 
I received a form letter from XXXX asking me to contact the XXXX in XXXX, TX. 
On XXXX/XXXX/XXXX I wrote XXXX and asked that they assist me in unraveling the error. No response to this date. I sent an email to XXXX on XXXX/XXXX/XXXX asking for help and no response. On XXXX/XXXX/XXXX i again wrote XXXX requesting that either the payment be returned to XXXX, pay Hyundai, or refund payment to me. No response to date. 
On XXXX/XXXX/XXXX I filed a complaint with the Office of the Attorney General, State of Florida, and received an email XXXX/XXXX/XXXX indicating that I should contact your office and they would also send my complaint to XXXX. They closed my file. 
I request your help in either getting my payment credited to Hyundai, or return the payment to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking a look at my credit so I can begin to start looking for a home once back in the XXXX and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For the last few months I've been going back and fourth with the XXXX XXXX in regards of a loan I " apparently '' which I'm verifying now. In XX/XX/XXXX I received a call from TFC requesting information on how i was going to pay to pay them. I informed them that I recently moved and gave them my address so they could proceed to send me the billing information ; I never received a any information or the confirmed email like they said they were going to send. In the beginning of XXXX I received a phone call from TFC informing me that I was 30 days past due and that a 30 day past due report hit my credit report. I asked to set up a payment plan and they gave me the run around but kept putting pressure on me to make my payments. The customer services representatives were very rude to me every time I called and there has even been a few times they hung up on me purposely. Last but not least I asked them today XX/XX/ to send me a copy of the agreed sign contract of the loan to my email I supposedly took out and they failed to provide me a copy as well. 
Desired Resolution : Correction to a credit report
Product: Debt collection

I continuously get calls from a XXXX from CR Corp calling that I owe them money. The calls come at XXXX every morning. I do n't know what this is about. I do n't want to call them back because after looking up this company, they appear to be a collection agency. I do n't owe any money and I do n't know why this company continuosly calls me.