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

Ive called into all XXXX major credit Bureaus ( Transunion, XXXX, and XXXX ) for the last few years ( on and off, every XXXX months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXXXXXX XXXX ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXXT XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses XXXX actions. So, please ... help!
Product: Credit card or prepaid card

We applied for a Current Card for our teen son. The online website says in numerous places that there are " No ATM fees '' ( see accompanying website screenshots ), however what they do not clearly or adequately disclose is that there are significant fees associated with ATM use by the ATM operator. The high ATM fees make this product essentially unusable for a teen with limited finances. Plus the Current fee structure of an annual fee of {$36.00} paid up front means that users who cancel their account after discovering this have been effectively charged for services not provided. Current should be compelled to provide a clearer and less misleading description of their product and the fees associated with it.
Product: Bank account or service

The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did.
Product: Money transfer, virtual currency, or money service

Every time i created an account with them, they disable my personal account. Why???? If you can't provided to all U.S person, why  this crazy institution say we can send money via online too...??????? XXXX.......Say. This company is soooooooo humane rise tooooooo many people in USA.Thanks,XXXX XXXX XXXX
Product: Credit card

Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.
Product: Debt collection

The XXXX credit bureaus are continuing to update the collection accounts in my file after disputing. All the debts are from XXXX, XXXX or XXXX and sold to collections. According to the law, the original company has been paid ande it is no longer a debt. The accounts are showing a balance that has been closed for over five years, but everytime I dispute them, they are updated on my credit reports and extended to stay on credit file for longer than seven years. this is truly illegal for a company to sell an account that has been paid and debt collectors try to collect on after five or more years and the credit bureaus keep updating with a balance once the dispute is closed. Please act act accordingly as this is an illegal practice and should be stopped.
Product: Mortgage

XXXX/XXXX/XXXX called 3 times notifying of house fire informed I did n't need to do anything even though my XXXX was saying otherwise. XXXX/XXXX/XXXX I was able to finally file a claim and packet would be sent out. XXXX/XXXX/XXXX called again informing still have n't received packet so another packet to be sent then I requested it to be faxed. Unable to fax after a 2nd request. Finally faxed XXXX/XXXX/XXXX filed out and faxed back. Called several times to make sure they had everything they needed. I even spoke to the supervisor XXXX on 2 separate occasions regarding mis-information and requested she listen to recorded call and asked to speak to someone above her for which she stated no one was above her. I filed a formal complaint to management. I finally received my first money draft XX/XX/XXXX so my contractor could get started on my house. I called in several times after trying to make sure no further delays. XXXX/XXXX/XXXX I called to check progress was informed an inspection had been done awaiting results. Called XXXX/XXXX/XXXX and XXXX/XXXX/XXXX informed they were still waiting on inspection report. I figured out on XXXX/XXXX/XXXX an inspection had n't even been done. The mortgage company is holding money that my insurance company gave me to rebuild my home. All this time they are drawing interest on the money. All this time me and my family live in a hotel. I do n't know their process but I expect them to know nor do I have access to their system. Please help.
Product: Checking or savings account

First Interstate Bank is charging my account {$5.00} a month for a service fee. They are not supposed to do this when there is a direct deposit every month. I have contacted them twice and it was supposed to be fixed. Now again in XXXX a {$5.00} fee appears. I have sent letters to the bank and numerous agencies. Your agency has been contacted twice. My complaint # is XXXX. I talked to XXXX by phone and she said now she needs a picture ID, my E-Mail address, phone number, and she asked for my age before she can give me the results. She was courteous. I can not take phone calls on my home phone because it upsets a family member. I prefer to receive mail. The bank said the fee was deducted initially because of the deposit dates. The direct deposit is Social Security. Social Security is the most dependable deposit of funds that there is. If First Interest Bank is deducting funds from all their Social Security customers, they're making a lot of money from people who might not be able to babysit their bank accounts. CFPB needs to look further into this banks fraudulent practices. It's hard to log into an account when there is not a place to so. All the account features are for accounts that already have passwords.
Product: Student loan

I am contacting you regarding my student loans that were supposed to have been placed in the Non-for-pr ofit Income  Based Repayment program back in     XX/XX/XXXX . I c alled  Navient a nd spoke with a lady regarding my account ( I do not have her name but I know that there is record of the conversation based on recent conversations with Navient ) and discussed with her that this is the option that I believe is best suited for me and also because I have been with a non-for-profit organization for >  5years  which according to her is a qualification for the program. She took down income information, personal information, and was able to pull all of my tax information. She stated that everything looked good and that she would send me an email of some sort about the program and I could read about it. I never got an email of any kind. She said that according to my income and tax documentation my total monthly payment according to the  IBR  will be $  XXXX  monthly until reevaluation time in a year, i n  XX/XX/XXXX . The re was never any mention about needing to fill out any application, submit any documentation, nothing. She made it sound as if it was complete because she was able to pull all of my data. This was all on   XX/XX/XXXX . T his was a huge relief for me because I have been financially struggling for the last 2 years trying to complete my degree while also raising   XXXX   and working. Well, I get a phone call from Navient last week and to my surprise I am notified that my account is past due and I am late with my payment. I was confused and told the man that there was no way because according to my last conversation in   XX/XX/XXXX , my pa yments are {$0.00} until reevaluation in   XX/XX/XXXX . Tu rns out, my loans were never p ut into the IBR program, the y were put into deferment for some reason. Now, since   XX/XX/XXXX th ere have been a lot of changes to my household as well as my income which I believe is unfair to me to be penalized for this when the error in this situation was not my fault. I believe that my loans should be allowed to be back dated to the date that I was originally promised entrance into  the IBR program a nd it should continue from that point on. If I was charged for deferment, this was done so without my authorization and should have legal ramifications. I am now also having to back check my credit history to find out if there have been any hits to my credit due to all of this nonsense. They are just telling me that it is all my fault and that there is nothing they can do.
Product: Credit card

Someone steeled my identity to open a XXXX credit card with Synchrony Bank in XXXX, XXXX, as reflected as a hard inquiry in my XXXX credit report. It was not authorized by me. It looks like someone used my information, my previous address and a phone number I don't recognize. 
I froze my credit in XXXX and XXXX today ( XX/XX/XXXX ). And I contacted Synchrony Bank today, they said they just declined that application, and contacted credit bureau. This hard inquiry will be removed from my credit report in 60 days. I also called XXXX, they will inform Syncrony Bank on my behalf that this application is a fraud. 
XXXX also suggests me to contact XXXX to get an Identity Theft Report so that's why I'm submitting a claim here.
Product: Mortgage

I am filling a complaint due to the illegal activity that has started as of XXXX. Letters dated on letter head then post marked 7 days after then another 3-5 days received. When calling Loss Mitigation a constant run away with documents. Never receive phone calls on which documents are missing. Never a call back from Supervisors. Now a letter of from attorney with a foreclosure date. Taking days to review documents sent in with no indication of the process. I have phone conversations recorded. Emails from attorney. The many times I have submitted applications. I have been hung up on giving the runaround. I am now seeking legal advice. I have submitted many documents from a previous complaint that shows evidence of my diligence on saving our home! From phone records. Recording of conversations and emails.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP
Product: Debt collection

I sent a letter asking Transworld Systems to validate a debt on my credit report. Account number XXXX. They did not respond which is a violation under 15 U.S. Code 1692g ( a ) is a section of the U.S. Code that covers the validation of debts and requires debt collectors to send a written notice to consumers within five days of first contacting them about debt. The notice must include : The amount of the debt The name of the creditor A statement that the consumer must respond within 30 days A statement that the debt collector will provide the consumer with the name and address of the original creditor if requested in writing within 30 days
Product: Debt collection

I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the property. This was going fine until XX/XX/2023. They took it upon themselves to charge me to a service that I never received. They said that they came and sprayed outside. However, the appointment was never scheduled, therefore no one was home, and there is no proof of any services rendered besides a bill they sent. Just to be clear them spraying outside is typically for the summer months for bugs. There is no bugs outside in the XXXX so I am not sure why they would do that. They didn't schedule the appointment therefore the inside was not sprayed, nor was the mice bate stations serviced, and I am not even confident that they actually sprayed outside the house. Once I got the bill I was upset because didn't schedule the appointment and I do not believe my home was serviced and worse case scenario properly serviced. I have never missed a payment with them or any other company for that matter but I refuse to pay for services that was not rendered which I told them that and canceled their service. 

In XXXX I received a notice from a collection agency. Kinum asking me to respond to the notice which I did and sent through certified mail on XX/XX/23 tracking number XXXX XXXX XXXX XXXX XXXX. They stated if I responded they would investigate the debt prior to trying to collect, but they did not stop. Then on XX/XX/23 i received another letter from them requesting I pay the money. They didn't respond to the certified mail at all. I called the number on the notice XXXX and entered the account number and it only refers me back to XXXX XXXX. I can not speak to anyone and I am not being heard. The bill is {$65.00} and I have nothing on my credit report because I pay all my bills on time. I do not want then trying to put false debt on my credit report. I would never skip on a bill if it is truly owed. I would never risk ruining my good credit score for {$65.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. I demand the following collections entries to be deleted : XXXX XXXX XXXX  : ACCOUNT NUMBER # XXXX XXXX  consumer XXXX : ACCOUNT # XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 7 business days of receipt of this letter. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Product: Student loan

Contacted them due to the fact my student loans are for XXXX XXXX   They informed me that because the school closed after I dropped out, that I would not qualify for loan forgiveness. 

I had mentioned to them 3+ times that the school was shut down for fraud which concludes my student loans are fraudulent. They sent off my account to a different department and I've never heard back and keep getting run around. 

They are not holding up on the holder law with my fraudulent loans
Product: Mortgage

We are writing to address a situation regarding our recent loan transfer to Faye Servicing. We received the initial transfer notice on XX/XX/XXXX and immediately attempted to set up an account online to make a payment. However, the system did not allow us to register at that time. As I was not an authorized user on the account, the main account holder was unable to troubleshoot the issue with Faye promptly.

Subsequently, we received another notice regarding the XXXX and XXXX payments. In response, we sent a check via certified mail covering both payments. Unfortunately, Faye Servicing refused to accept the payments unless an additional daily default charge of {$110.00} was included.

We are concerned that these default payments are being applied unfairly. It is our understanding that late fees should not be charged during the loan transition period. Referring to these charges as default payments appears to be a workaround that circumvents the protections typically afforded to borrowers during loan servicing transitions.

This situation raises concerns about predatory lending practices, as it seems efforts are being made to complicate the payment process unnecessarily. We are committed to resolving this matter in good faith and ensuring compliance with applicable regulations governing loan servicing transfers.

Please advise on how we can move forward to resolve this issue and ensure all payments are properly credited without unfair penalties.
Product: Mortgage

On XX/XX/XXXX, I had not received statement for XX/XX/XXXX payment. I called and was told that my statement went out that day but was delayed due to XXXX tax forms for XXXX being mailed with statement. On XX/XX/XXXX I received statement that payment that the payment due date is XX/XX/XXXX without the stated tax statement that supposedly made the mailing late.
Product: Debt collection

I received a voicemail today, XX/XX/XXXX at XXXX CST stating that my immediate attention was required requiring file number XXXX in reference to a complaint that may be filed against me. I was informed to call XXXX to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent. 

Not only did they call me, but they have called my uncle in XXXX, a brother and his wife ( both at home and at work ) in XXXX. At this point, I don't know who else they may have contacted. 

When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me. 

After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by XXXX XXXX ( XXXX ) that it was XXXX  XXXX  out of XXXX, XXXX. I was also told that I had a pending civil law suit against me for a JC Penney credit card ( owned by GE Money Bank ) and that the account was left unpaid and in collections, until it was charged off in XX/XX/XXXX. They also informed me that XXXX has a statute of limitations of 4 years, but that it wouldn't expire until the end of XX/XX/XXXX. I was told they were already in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of {$320.00}, but if we went to court it would be {$2000.00}. 

I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on XX/XX/XXXX by XXXX. The report then clearly stated that I had a credit limit of {$200.00}, a high credit of {$52.00}, a balance of {$0.00} and a past due of {$0.00}. It also shows that this card was paid on XX/XX/XXXX, closed on XX/XX/XXXX and verified on XX/XX/XXXX. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn't matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow. 

Now that I have the name of the company, I XXXX them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to " settle out of court. '' It looks like they also go by XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX, and that they're a phantom group for XXXX XXXX XXXX.