23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I    ma ile  d Northwest Financial Services    (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo.  XXXX  ) a certified letter on   X/X/2017   recieved on   XXX  -17 re   que sting they verify and validate all collections they have in my name. A full list of account numbers were provided. On  XXXX  -1 7 NWFS se nt via USPS a  print out of all accounts stating " we have verified the debts stated in your communication on   XXXX   -17 fo  r  " our clients claims ''. I have a few issues with this, 1 ) I requested they report to all   XXXX   credit bureau 's I have claimed a dispute. Per FCRA they have 30 day to do so and did not.
2 ) This debt was sold to NWFS they are a debt collection agency, they do not work for the   XXXX   XXXX   XXXX  .
3 ) Per the FCRA and Missouri Attorney General   XXXX   XXXX   XXXX   sending an itemized statement opinion letter does not constitute validation or verifacation.
4 ) The unfair and now illegal actions on the part of NWFS has not only damaged my crefit it has caused extream hardship to my person, not only financially bur emotionally.
Please contact me at   XXXX   or via email to resolve this issue.   XXXX   Thank You   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit card accounts open with XXXXl XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX  XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and  have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.
Product: Credit reporting

I have been disputing the fraud information and sending in all the information requested and nothing has been done. I have sent in all the information more then enough times, and the company keeps sending me the same message asking me the same things over again. I have been treated rudely by the wokers about this matter. I have paid off all of my debt in 2013 with a home loan and should not have anything negative reporting.
Product: Mortgage

I was denied Mortgage Loan Modification many times over the past 4.5 years. Every time they gave a different reason. ( They even CLOSED my file on numerous occasions ) citing " NOT RECEIVING THE DOCUMENTS '' ... .so my file did n't even make it to a reviewer.. 
I started sending the documents to a mediator, to their lawyers and also to them directly. ( Since doing this they did not tell me that the documents were not received anymore ). 
In earlier XXXX, they sent me a letter saying that they approve my modification request - the letter was dated XXXX XXXX. 

At approximately XXXX on Thursday XXXX XXXX, I received some documents from the Mortgage lender outlining the terms of the " modification '' ... ..which, if I were to sign, would eventually put me in a worse situation that I am in currently. ( They want me to sign and return the documents by XXXX XXXX ). 
They are trying to put me in a 40 year adjustable/variable rate mortgage which I think is real unfair business practices. 
Please investigate for me and if possible point me to an attorney who may be able to assist me with this .... 
Thank You
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I requested a loan from SpeedyCash Rapid Cash, LLC in the amount of {$680.00}. 

There was either the option to either pick up payment in store or the funds would be debited to the card that was on file, since I didnt make it to the store by the time given I called the ( XXXX ) number attached on the email to confirm the funds being transferred into my account, in which the rep did relay I will see the payment via direct deposit by the next morning. 

XX/XX/2019 I wake up at XXXX check my account and to my surprise I didnt see a deposit transaction, I thought that it maybe to early and took the representatives word I had spoken to the day before to heart and went about my business. 

At XXXX that same day I checked my account and still no payment, I called the number provided and spoke with a rep and I was told to wait three days before calling back in because in order for the funds to bounce back ( from wherever they were since payment wasnt recieved by me ) and then I could request the payment again. 

In all I have been going back and fourth with this company providing any proof I can to verify I didnt receive payment for a loan I am to this day being held accountable for. 

I have e-mails on my end making numerous attempts to verify any information and at the end of the day for the company to tell me Im responsible for the loan ( even though I didnt receive payment ) because they cant trace where the payment went so their acting as if I did receive funds. 

To me, its absurd that this company is perfectly fine with putting someone in a further financial strain and to be okay with {$680.00} dollars just disappearing ... Nobody knows where it went but I have to pay for it.. 




On the banking end, I online bank with XXXX. Ive also contacted this company in order to figure out where the funds went because when a ACH is initiated the my name and social security number is encrypted in order to verify the correct personal has received payment. 

I have gotten NO WHERE with this company regarding the matter and none of the representatives speak English well enough nor located within the states to understand the currency platform. 

Im incredibly frustrated and really just want this resolved in a fair manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have a loan with Specialized Loan Services and I have been requesting to get the Private Mortgage Insurance off of my loan for more than 8 months. After about 5 months, they finally had an agent call me for a valuation on my property and my house is unique. I live on a ski lake where every home on my lake is listing and selling for atleast $ 500k. The agent that SLS sent out came up with a valuation of $ XXXX and did not compare my home to any homes that have sold on a ski lake in the area. Now I am disputing the value and have been put through the ringer again. I wrote a letter to dispute the valution that was done and emailed it to them on XX/XX/XXXX. They said they never received it, so I sent it back on XX/XX/21 157 times with confirmation on each email that they received it. YES, 157 times!! The PMI is costing me more than {$240.00} per month and it is just me throwing money away. The managers never call back when they say they are going to call back and I am sick of dealing with this. I own 10 rental properties and 3 of them have loans on them where I had the PMI removed after a certain amount of time, but I have never had to deal with anything like this before.
Product: Debt collection

On XXXX after checking my credit report I seen a collection from the collection company XXXX XXXX XXXX. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX  representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get XXXX XXXX to validate this debt they 've FAILED. I received a letter XXXX from XXXX XXXX sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an XXXX rep to come here before file a suit against these people.
Product: Debt collection

I cant not contact TransUnion. I tried to chat and call about this discrepancy on my credit but no one answers or follow up. 

Attached is the issue - The US Dept of Education has placed a derogatory mark on my credit when the matter was already resolved per the agreement to repay and my reinstatement letter. Although I did dispute the overpayment directly through the US Dept of Edu, XXXX, and my Financial Aid because the overpayment was due to a mistake by the XXXX XXXX XXXX XXXX, they had a common practice of disbursing financial aid money on a specific date and then going back and taking the money back due to " overpayment '' or some mistake done by their office. This overpayment was made when I was graduating the XXXX XXXX Still, no one took accountability for the error and I had to enter a repayment plan with the Dept of Education although this was not my fault. The Dept of Education is further trying to disenfranchise me by placing this delinquent mark on my credit when I have furthering myself in finishing college and working on my credit. This is a direct result of this department 's negligence. Per the Department of Education, this debt has been resolved. Attached is '' FAFSA reinstatement letter ( letter stating that the debt has been satisfied ) -Screenshot of the derogatory mark on my credit report XXXX points taken from my credit
Product: Checking or savings account

Capital One closed my account ending in XXXX recently, there is currently a balance of XXXX. There are also two debit card refunds in the amounts of XXXX from XXXX, XXXX from XXXX ( XXXX ) which are due to post to the account within a few days. These are for returned items. Since the account is closed, I will need a check for these amounts sent ASAP. I 've attempted to reach customer service reps, however, hold times are extremely long and once I reach a rep, the call is then sent to their intake dept in which case a voicemail is left and not returned for several days. Needless to say, I am not able to resolve this issue directly as customer service no longer has access to account and intake dept takes several days to reach back
Product: Credit reporting or other personal consumer reports

XXXX XXXX Automotive- XX/XX/year> XXXX XXXX XXXX XXXX Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX VENDOR F- Machinery & Equipment- XX/XX/year> XXXX- Finance, personal- XX/XX/year> XXXX Finance , personal- XX/XX/year> XXXX- All Banks - non specific- XX/XX/year> NEW EQUIPMEN- Finance, personal- XX/XX/year> I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquires from my report.
Product: Money transfer, virtual currency, or money service

I transferred {$150.00} XXXX ( {$110.00} ) to a friend via Paypal using my credit card. The listed fees for such a transaction are 5 % of the transaction ( min {$0.00}, max {$5.00} USD ) I was charged a fee of {$8.00} USD ( $ XXXX ). 5 % of the transaction is {$5.00} USD, over the max of {$5.00} and well below the {$8.00} USD charged. 

There is no explanation for the fee but the terms of Paypal 's website are quite clear. It is a small amount we are talking about but if they are over-charging people on the regular, this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681iXXXX, XXXX, and Equifax have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loan debt. In 2017 I was to begin my first payments. I wasn't aware of this at the time. I did go to that school anymore and all the loan company had was my school email address. Also during this time I was pregnant. The months were XXXX, XXXX, and XXXX. XX/XX/2017 is when I gave birth. I was out of work and having to take care of a new born. When I checked my credit a few months later it said I had missed 18 payments. I have 6 individual loans, so each one missed 3 months of payments. And on XXXX it just changed to 24 missed payments, just recently added XXXX as well. I understand it is my responsibility, I was planning on continuing my education and then got pregnant and also moved to another state. I've asked them if they can remove those missed payments multiple times with no as being the answer. I get no explanation at all.. Since 2017 I've had horrible credit because of these missed payments. No matter what I do I can't get rid of them and it doesn't matter if everything since has been paid on time. Never late on any credit cards or car payments. I am also going to school again to finish and get my degree in XXXX. I just would like to be able to do things with my life without this following me around forever. I can't even get a loan with my husband to buy a home or a car. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but XXXX XXXX and Equifax wo n't budge only saying that they are verified in which they are not
Product: Debt collection

Wakefield associates keeps putting fraudulent charges for medical that I NEVER RECIEVED. I HAVE insurance and none of these are associated with any drs or services recieved. 
I have repeatedly proven my identity to XXXX. In turn they sent my real ids to them. I have the email. Now they can really steal my id. This is screwing my life completely up. XXXX is not investigating these disputes. 
I want all recently submitted reinvestigated. 
XXXX  provided these companies with my real info, I'm turn they are applying them differently now. This is a violation of the privacy act an fair credit act I will be seeking legal. 
I want these fraudulent claims removed. 

The other bureaus investigated and removed, therefore something is fishy from the get go. 
XXXX XXXX  notified me the day I uploaded last id they sent to false XXXX. 
I need my rights supported.
Product: Checking or savings account

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

Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the hospital and seeing all these fraudulent accounts on my credit increased my stress level along with the current epidemic Covid 19 Coronavirus going on, its vital that this issue is resolved immediately.
Product: Credit reporting or other personal consumer reports

Credit reporting Agencies are reporting Bankruptcy information without any verification and have ignored my request for verification and stated Verified, I have documented proof that they could not and did not verify with the Original Creditor as required during the investigation process ( LETTERS FROM BANKRUPTCY COURT THAT THE DO NOT REPORT NOR DO THEY VERIFIY ). they have caused myself and my family harm and financial hardship due to their fraudulent reporting accounts that should be deleted IMMEDIATELY!! 
XXXX ) XXXX XXXX ) XXXX ** I hereby formally revoke any consent, whether given knowingly or unknowingly for the reporting or dissemination or my person information to credit reporting agencies. 
Per FCRA 15USC 1681 it is within my right to control the dissemination of my personal information and revoke any previously given consent per Privacy act of XXXX 5USC 552a
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft FTC Report # XXXX and I am seeing an inquiry on my credit report that does not belong to me i attach proof of this illegal inquiry
Product: Bank account or service

I was charged a {$10.00} late payment fee by a merchant for a late payment delivered by Wells Fargo 's online bill pay service. Wells Fargo says the fee is my responsibility. Yet the Bank controls the entire process : The Bank chooses how and when to deliver payments. The Bank controls the online bill pay screen that shows how long it takes them to deliver a payment. The bank failed to realize there was a Banking XXXX when means no mail delivery.
Product: Credit reporting or other personal consumer reports

About XXXX weeks back, I contacted XXXX and Equifax for forms and information regarding my name change. I even sent all the necessary documents, clarifying that my XXXX # remains the same. Unfortunately, there's been no progress in merging my credit scores or updating my information. I need action to obtain a house loan. I need your help to resolve this issue. My credit details are still under " XXXX XXXX '' and haven't been updated to " XXXX XXXX. '' Your assistance in this matter would be greatly appreciated! 

XXXX XXXX XXXX ( merge to ) XXXX XXXX XXXX Phone # : XXXX SSN # : XXXX Address ( Current ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of credit report
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX  # XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX # XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Student loan

Navient keep adding balances and subtracting from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified that I was out forbearance. I resectively ask that the lates from XX/XX/XXXX be removed and set to current. As soon as I contacted my loans were put back in forbearance. Also I want all loans older than seven years off my credit report, as that is more than SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Chapter XXXX Bankruptcy Reference # : XXXX
Product: Credit card or prepaid card

This is about Citi Bank Credit Card 's price rewind feature. I bought two XXXX prepaid XXXX XXXX from XXXX in XXXX, with a prices of {$240.00} per phone. Before my purchase, I logged in my citi account and tried to see if I can file a claim if the price would change later. When I search XXXX XXXX on citi price rewind website, it did show the EXACT phone ( XXXX   prepaid ) with a big green " track This Item '' button under it, which make me think this item is protected by price wind policy. 

Well, 2-3 weeks after I made the purchase, XXXX does lower their price from XXXX to XXXX per phone. I file a claim to Citi and a week later they requested my credit card statement to prove the purchase and another week later I called and learned the claim was denied, because the phone is a contract phone and they won't cover contract phones. 

I talked with the operator that whether or not XXXX  prepaid phone will be considered a contract phone can be arguable, but why citi list something will NOT be covered on their price rewind web page. If you would deny the claim due to the item itself why citi pretended to ask for my credit card statement and make the process two week long?

I tried to talk to her manager and I missed her phone call once and I requested the second time and the manager never call back.