23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Fast Track Servicing Dept. 
XXXX ( now disconnected ) email XXXX ( now disconnected ) I was contacted for several months by this " company '' and was told it was a repayment program for my student loans that was offering loan forgiveness. The company told me that I was able to qualify because the company that currently held my loan was being sued for overcharging and takin money from clients. I set up a payment plan and signed a contract. The company helped me fill out all the paperwork for the loan forgiveness over the phone and said I would pay {$200.00} for 3 months and the approximately {$69.00} per month for 10 years. They kept telling me my house size was XXXX and I kept telling them it was XXXX. They said, " don't worry we will take care of it '' ( fix the mistake ). I recently learned from my loan holder that my Grace period is almost up and I need to start repaying my loan. I was very confused since I was told by the Fast Track company that Ive been paying since XX/XX/2019. I called XXXX XXXX and found out the company had made false claims and that the contract I had originally made was likely a contract to pay them to defer my loan. I have attempted to email and call Fast Track to let them know I want to terminate the contract as it was under false pretenses. Their contacts have all been disconnected. I am so distraught that I fell for this and now have to correct all of my paperwork as it contains false information. Additionally, my loan repayment will be more than double and I am now out almost {$700.00} of money I paid to FastTrack Servicing. I have been lied to and have given many personal informations to the wrong hands. I do not know  what steps to take next.
Product: Debt collection

On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from CRS and Associates stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with CRS and Associates to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on me.
Product: Credit card

On XXXX/XXXX/XXXX, American Express billed me for a balance transfer to XXXX XXXX for XXXX. I recently ( XXXX XXXX XXXX learned from XXXX XXXX that they never received a balance transfer from American Express, and my account with them ( XXXX ) was never credited. 
XXXX XXXX concluded their investigation and requested American Express provide them with the ABA number and complete account number the funds were sent to. American Express was unable to provide the requested information stating that their records did not go back that far. I have since paid the XXXX account in full XXXX XXXX. 
I have been paying on the {$2000.00} transfer since that time. It then is my understanding that the balance transfer never occurred, if American Express does not have evidence to the contrary. I am requesting American express credit my account including any payments, paid interest and fees occurred on the {$2000.00} / balance each month beginning XXXX XXXX to current. I would like a detailed statement showing each month what dollar amount was credited. 
I will then pay any outstanding balance to maintain my credit account with American Express and remain in good standing..
Product: Debt collection

The company uses an automated dialer so most of the time when I answer the call I get nothing but disconnected. They do not leave a message when they call. When I finally connect with someone they are asking for someone I do not know and I tell them that but they keep asking questions about how to reach the person, and are very persistent, annoying and harrassing. 

Also, outlaw auto dialers. ALL persons and companies using autodialers are harrassing people
Product: Credit reporting or other personal consumer reports

Im reaching out to ask for some updates to my personal information in your records. I want to make sure everything is current and correct for any future communications. 

Here are the changes : 1. Name : My name should be listed as XXXX XXXX XXXX. 
2. Employment : My correct employer is XXXX XXXX ( please remove XXXX XXXX from my records ). 
3. Address : My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please remove any other previous addresses on file, including XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. 

Ive attached copies of documents to confirm these updates. Please let me know when youve made the changes or if you need any additional information from me. 

Thanks for helping me get this sorted out. 

Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/ 2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Student loan

I have disputed this information on my XXXX credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me
Product: Credit card or prepaid card

I signed up for a credit card through Frontier Airlines in XXXX 2017 while on a flight from XXXX XXXX to XXXX. Their stewardesses were promoting 2 free trips anywhere in the US with a single purchase on the card of any dollar amount, or a single international round trip ticket. I made a purchase on the card and received XXXX miles. I am unable to redeem the miles given for the 2 free trips. There are only select cities and dates that apply. The stewardesses outright said there would be no restrictions on the promotion. I was lied to and I would not have signed up for the card if I knew there would be restrictions.
Product: Student loan

They changed my due date when I was doubling my payments so that I was paying more interest than I should. They also would n't allow me to pay off my loans as i wanted. I was paying XXXX loans separately and when I paying one down quicker, they combined them and said that I could no longer pay separately. When I challenged them on it, they said that i could only dictate payments by calling after I had made payments. when I told them why they could n't take payments over the phone with my instructions they said that would cost money. When I asked about just sending payments with instructions on my check they said that I would have to write it on a separate piece of paper. My frustrations really mounted when I realized that I was paying more in interest than in principal even though I was paying {$100.00} extra per month.
Product: Mortgage

OCWEN Loan Servicing , LLC sent a letter dated, XX/XX/2017, received by my person on XX/XX/2017 via regular XXXX, within which, it states : " Recently, Ocwen Loan Servicing , LLC ( " Ocwen '' ) sent you a Notice of Default due to your loan becoming past due. '' It further states that, " ... ... which puts you in default of your loan agreement and the property may be referred to foreclosure after 14 days from the date of this letter. '' Account holder, XXXX, affirms the following : 1. I am not in receipt of the claimed " recently sent '' Notice of Default as of this date. 
a. I have spoken to XXXX, Agent ID XXXX, on this date, Sunday, XX/XX/2017, starting at XXXX EST to your XXXX customer service number and he advised of the following : i. The referenced Notice of Default has never been sent by OCWEN, thus the reason for my having not received it. 
ii. He has sent a request to the Research Department to find out as to why the referenced Notice of Default has never been sent, yet, it is referenced in the Pre-Foreclosure Referral Letter. To-date, OCWEN has not responded to my request to produce the claimed letter. 
iii. The recording of the call can be traced to this date between XXXX and the end of the call at XXXX. 
2. The letter states a 14-day clock reference as to possible foreclosure action, however, OCWEN 's acknowledged misrepresentation of the existence of a Notice of Default that was never sent to the consumer, makes their threat moot and in direct violation of the terms of the mortgage and applicable governing laws. 
Servicing of my mortgage is totally out of control with numerous misfires, misrepresentations and fabrications, in addition to OCWEN 's silence on the topic. 
I am most receptive to an amicable resolution in light of the fact of the many OCWEN missteps it continues to do and that can have significant consequences on my person, family and our home. 

For an organization to make a representation of the existence and submission of an important document such as a Notice of Default, when in fact it acknowledges and confirms it can not produce the document or any evidence of its existence is unethical and unacceptable. I trust your office can bring some sense into this in reaching an amicable resolution. Thank you in advance for your assistance. XXXX.
Product: Credit card or prepaid card

CITI BANK CORP automatically initiated " paperless statements '' upon the online banking set up process. Apparently, you need to " uncheck '' a box to receive paper statements. CITI BANK sent the first statement ( new account ) via email, I was unaware until it was 30 days past due. Once realized I hadn't received a paper statement in the mail I called customer service in which they informed me it was past due. I immediately paid the account in full, requested they remove the automatic " paperless statements '' and asked to have fees removed. CITI BANK CORP understood situation and refunded late fees as well as any accrued interest charges. They would not however remove the 30 day late reported to the credit bureaus. CITI BANK CORP should take ownership of its deceptive business practices in blindsiding the consumer. Having to find an " uncheck '' a box is not how majority of credit card companies go about signing up for this feature. I understand credit card companies are always finding cost cutting measures but it shouldn't be at the expense of the consumers credit report. I've never been 30 days late on any account, receive well over 300+ emails per day so " paperless '' statements is never an option. I feel this is a gray area and not a true reflection of the reporting made to the 3 credit bureaus. Signed, XXXX XXXX. # FrustratedCITIBANKcustomer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached by hackers and my personal information has been compromised putting me at serious risk of having my identity stolen along with 143 million other Americans. This personal information includes my name, birthday, address, social security # & driver 's license. It is important to keep in mind this is a company who I have never given consent to track or keep my personal information. The company failed to report the hack for months and to date has failed to contact me directly about the security breach and the risk to poses to me. I have had to take time-consuming ( and potentially costly ) measures to provide at least some level of protection for the company 's gross negligence. Their response has been completely inadequate. They need to do much more to make things right and I hope they learn from this experience and laws are passed to impose regulations to prevent this happening in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX card and I noticed that my entire account number is listed on my monthly statements. That is not a good thing as I have lost my statements and I'm afraid that my charge account used or stolen to be used in a fraudulent manner.
Product: Debt collection

Account Resolution Services, LLC ACC # XXXXPhone : ( XXXX ) XXXXFax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Account Resolution Services, LLC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Account Resolution Services, LLC ACC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Trans Union regarding their Public Records section on my consumer credit file. Trans Union was reporting accounts labeled as included in bankruptcy in that section of my report, even though, some of the accounts were not in existence when I filed a Chapter XXXX Bankruptcy in XXXX. A case in point were the Missouri Higher Loan Authority accounts, which were filed with them in XXXX and XXXX. As a result of the dispute Trans Union moved the accounts out of the Public Records section and moved them to the delinquent accounts section. 

As you know I have filed several complaints with your office regarding all three credit reporting bureaus, Trans Union, XXXX  and XXXX. It appears that they have interrupted the Fair Credit Reporting Act differently than it is written. When I inquired of XXXX  how they went about verifying the Chapter XXXX Bankruptcy, they sent a post card where the say they may contact the provider of the information for an investigation, however, the act says that they shall contact. It is sad when the oversight allows the agency to conduct themselves in a manner that is in direct conflict with the Act.
Product: Mortgage

Good morning, As a single woman who pays her home mortgage, it has become very difficult to keep on time most months. I have asked Ocwen at least three times to modify my loan. They make me go through so many signing of documents and in the end, the answer is no. The first time it was because " they owner of the loan did not participate in the HAMP program ''. Now this time because I am not delinquent! I have to pay them {$85.00} because I am late by a week or two, so they do not consider this delinquent then!!! This is a very frustrating experience with Ocwen. 

XXXX XXXX XXXX
Product: Student loan

When I got my student loan, I was assured XXXX would qualify for loan forgiveness if we worked in qualifying XXXX.

I have worked in qualifying XXXX, I work with XXXX XXXX XXXX moderate to severe, Navient encouraged me to consolidate loans and then has Denied loan forgiveness stating I shouldn't have consolidated due to date of first loan. Yet they say they do not have access to date my first loan began!!! 

I have just been able to access my account again, AFTER I threatened going to the AG and complaining. 

I am XXXX and about to retire with XXXXt loans even after working and paying for 19 years. My loan life is expected to end in 10 more YEARS!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Probability is pretty good that YES, XXXX XXXX XXXX I will still owe Navient.
Product: Mortgage

i was with XXXX which has been sold to Shellpoint, Shellpoint is wanting me to pay almost {$10000.00} by XX/XX/2020 they stated that I have made no payments from XXXX XXXX thru todays date XXXX XXXX they are going to foreclose on my home, and are not willing to work with me, I have sent payments XXXX, Shellpoint will not accept the last 2 payments until the {$10000.00} is paid in full, I do not owe this amount, I have no way of knowing what was done with my payments, Shellpoint is not willing to work with me, now they want a letter stating why I was late, I am not late. there is no way I could have gone 10 months with out a foreclosure before now I can prove 5 and still working on trying to find my payments which are already paid for a year, I have 2 money orders that Shellpoint will not even accept. please I need help,
Product: Credit card or prepaid card

Well for the past few months I have contacted Capital One requesting someone speak to me about my accounts that I have with them and the issues I had faced when I went through a very bad divorce and lost of income at the same time. Now I have been a customer of Capital One since XX/XX/XXXX and one in XX/XX/XXXX the  following year so you see I had a great relationship with them at least I thought it was good. I have always paid my bills with them and if for any reason I was late due to computer or forgot to make payment they have always worked with me and refunded back fees. Well in XX/XX/XXXX I lost my job and things got real hard for me and my daughters. I had a almost XXXX year old and an XXXX year old watching me struggle to keep things a float, this lasted months just unable to pay them even the minimum payment in XXXX I was hit with my first late payment that killed my spirit. Since rent was more then I could handle after my husband left us. Not to say it's anyone 's business and they should feel sorry for me but I am and have always been a great customer. All my accounts started going down hill they were being charged off right in front of my eyes and there wasn't anything I could do since I was unemployed and every little bit of money I did have I used on the house to keep roof over me and my kids heads. 
Well I went XX/XX/XXXX thru XX/XX/XXXX trying to find work and pay the credit card companies whatever I could and some accounts closed and charged off but with me I knew all these were my bills so I was going to pay them all off even the charge off ones even if it killed me as these were my responsibility. An amazing thing happened for me finally I found a job and was able to pay my bills again it took sometime but I did my best to give every card company something. Then in XX/XX/XXXX I logged onto any account I could still get into and paid off all balances with each card charged off ones, open accounts all got paid in full. Anything that went into collections and was sold to another vendor I paid off. Well in doing that I was able to get some of my credit card companies to reset my late payments that had made it to my credit report. Today I battle the fact that someone has stolen my identity and I spend my days calling the bureaus and credit card companies asking for forgiveness and along with putting alerts on my credit cards and reports.Being late isn't something people plan or what to do at least not me but all of this hit me hard when I hit hard times and couldn't afford to make my payments on time and was hit with late payments on my credit report. My hands were tied since I couldn't afford to pay but the first chance I got I did pay off everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/year> The card limit was {$250.00} XXXX XXXX XXXX it was a credit card was the XXXX  collection XXXX XXXX XXXX. The XXXX  collection has been changed over to LVNV funding LLC in the amount of {$630.00} I do not owe that amount.