23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have student loans which where in default and entered into a rehabilitation program. For reasons I still can not understand, I was forced to perform the 10 month rehabilitation program for two times because the program did not debit a payment and stated that I allegedly did not qualify and did the process again. 

I have been repaying my student loan for a couple of years in a direct repayment program and my balance is almost the same. I also noticed that the principal amount of my student loans are as follows : XXXX   XXXX  with Owner : XXXX XXXX : PHEAA Original Balance {$25000.00} Principal Balance {$32000.00} an increase of {$7200.00} Original Balance {$30000.00} Principal Balance {$39000.00} an increase of {$8600.00} Between these two loans there there is an increase in principal of {$15000.00} and I have been paying over $ 400 monthly during the past couple of years via a direct repayment program. 

Why is the principal so high and an additional {$15000.00} and besides that is has not increased after having made a couple of years payment. 

Please assist in how to proceed, options and assistance. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

Vinson Mortgage charged {$9900.00} to refinance and consolidate our mortgage by explaining how the refunded escrow and skipped payments would offset these fees. They GROSSLY exaggerated these benefits. They had us sign blank and undated forms. They had us sign that we received info that we did not receive. We were told to sign but NOT date forms. We were sent forms with missing pages. We were consistently mislead and given inaccurate information and false information from XXXX. 
We were told to SKIP the XXXX payment for our mortgage, but that was erroneous info that COST us $ XXXX/day for the 15 days XXXX kept telling me not to worry or not to pay because the payoff amount was already issued. We were told that the escrow amount in our current mortgage would be refunded to us in an amount of around {$2000.00} when the actual amount was less than half of that. XXXX had a habit of responding to written questions via phone conversations or in person talks. He actively evaded providing written, texted, or emailed information that could be used as supporting documentation ( which raises suspicions about his ethics ).
Product: Mortgage

My mortgage is with XXXX XXXX. After finished 18 months of Covid-19 payment deferral, the bank for this mortgage-Bank of America should send me a mortgage modification with 3 trail payments. They did send me one. The response date was XX/XX/XXXX, but I received it later, this date already passed. So I called about the end of the XX/XX/XXXX on number on the letter XXXX. The Customer Service said she will resubmit the case for me, I should receive a letter, but I never got it. So I called back, they did same thing several times. No result. 
At XX/XX/XXXX, I called back again. This time they let me call XXXX, it turns out that I need to submit a Mortgage Modification form. At XX/XX/XXXX, I submitted the form, for my great surprise, I saw my house will be in action at XX/XX/XXXX on XXXX
Product: Mortgage

My account was transferred from XXXX to Bayview effective XX/XX/XXXX.At the time I had an excrow excess of {$1900.00}, On XX/XX/XXXX I called Bayview and spoke to XXXX XXXX and his superior regarding the escrow. I was a month behehind in the amount i of {$930.00}. It was agreed that this would be deducted from the escrow excess which would leave a balance of {$1000.00} owed to me, I was instructed to call customer service, which I did a week later. I spoke to XXXX ( he refused to give his last name ). In speaking to him, he gave me incorrect information, regarding my account. I was told the the trasfer had been made, however I have yet to receive the escrow balance. I have spoken to several people at Bayview and in each instance I have had to literally argue to correct misinformation regrding my account.I am frustrated and believe delaying tatics are being used to delay or deney the return of the escrow ( I was told that my escrow balance would take 30-60 days to be returned. Is the the norm?
Product: Credit card

I noticed on my credit report that the bureau XXXX is reporting that Ive been late towards my Macy 's credit card numerous times. XX/XX/XXXX, I spoke to a representative in the Macy 's credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all XXXX credit bureaus. I have reached out to XXXX, Trans Union, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXX Bank. 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( XXXX late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with Trans Union on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the XXXX attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2023 XXXX XXXX this should have been covered by Medicaid with XXXX XXXX as primary. I have insurance it was billed incorrectly XXXX XXXX I have no out of pocket payments not even deductible.
Product: Debt collection

ReceiveXXXX  letter dated XX/XX/24 staying i owe {$1400.00}. This is incorrect
Product: Credit reporting or other personal consumer reports

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802. I AM INVOKING MY RIGHTS UNDER 15 USC 6802 TO OPT OUT OF THE DISCLOSURE OF MY PERSONAL INFORMATION.

The following items listed below is in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX are reporting transactions as late to XXXX, EQUIFAX, and XXXX which is in complete violation of the law and I have attached a copy of my credit report as proof of discrepancy. 



( ( 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ) ) My Transactions or experiences with your company by law are excluded from my consumer report and I need this transaction or experience deleted from my consumer report. 

There is NO LAW that states you have to report a transaction as a late payment if so please provide that law which you can not provide because there is no such law that exists.The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I requested that XXXX XXXXXXXX XXXX XXXX provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( b ) and they did not send me this tracking number because it cant provide as to they never mailed or delivered a periodic statement. So in this case I demand the deletion of all transactions listed as late on EQUIFAX, XXXX, and XXXX as they are unlawful to report and subject to {$1000.00} fine per each violation. 
I have kept a record of all documentation I have sent out and all phone recordings that will be used in the event of an action against the company and credit reporting agencies for consumer law violations, more specifically The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b .
Product: Debt collection

On XX/XX/2019, I received an initial notification from Radius Global Solutions, LLC that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay Radius, identity of the original creditor, proof that the statute of limitations had not expired, proof that Radius is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. Radius failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from Radius on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. Radius has violated the FDCPA.
Product: Credit reporting or other personal consumer reports

i just recently looked at my credit report from experian and transuion on XXXX XXXX i saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. [ XXXX XXXX XXXX XX/XX/XXXX ]. 
2. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ]. 
3. [ XXXX XXXX XXXX XX/XX/XXXX ]. 
4. [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] 5. [ XXXX XXXX XX/XX/XXXX ] 6. [ XXXX XXXX XX/XX/XXXX ] 7. [ XXXX XXXX XX/XX/XXXX ] 8. [ XXXX XXXX XXXX XX/XX/XXXX XXXX 9. [ XXXX XXXX XXXX XX/XX/XXXX ] 10. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] 11. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] 12. [ XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ] 13. [ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ] 14. [ XXXX XXXX XXXX XX/XX/XXXX ] 15. [ XXXX XXXX XXXXXX/XX/XXXX ] 16. [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] 17. [ XXXX XXXX XXXXXX/XX/XXXX ] 18. [ XXXX XXXX XXXX XX/XX/XXXX ] 19. [ XXXX XXXXXX/XX/XXXX ] These inquiries have no permissible purpose to be on my report. Delete all inquiry due to violation of 15 USC 1681 B
Product: Credit reporting or other personal consumer reports

I have this loan on my credit and Ive not been to school in years. I did not put in for this loan nor did I authorize anyone else to apply for this loan.
Product: Student loan

Navient is my loan servicer. I also have some loans that are serviced by XXXX. Every year, I submit a renewal for my income-based repayment plan using the same forms and tax returns to both servicers. This year, Navient rejected my renewal, because I " chose the wrong option, '' and a representative informed me that I can only submit a renewal for income-based repayment 45 days before the expiration of my plan, and no earlier. She told me that it would take between 15-20 days to process once the renewal is submitted. This leaves me no time to correct any problems with my forms if they take 15-20 days to process my renewal within that 45 day window. I checked my loan document and it states that the first day I can renew is 95 days ( not 45 ) prior to the loan period expiration. The document does not have the date on which the loan period expires. I had the same issue with Navient/XXXX two years ago when I submitted my renewal prior to the 45 ( or 95 ) day window. However, I did not receive an explanation for my rejection, and the loan service operators gave me a different explanation every time I called. They also attempted to put my loan into forbearance although I made it clear that I did not want my loan to be put in forbearance. I wanted them to either process my renewal, or tell me if I am missing information which made it impossible for them to process my renewal. After several heated conversations with the loan service representatives, I was able to speak to a manager who processed my application for income-based renewal.
Product: Debt collection

Duvera showed up on my credit report as a loan I haven't made payment on. I checked all my loans I've made payments on all of them and none of them are through duvera or XXXX. I honestly have no clue what this is so I'm going to assume it's fraud
Product: Checking or savings account

I have " opted out '' of all overdraft options offered for ATM charges, Checks, and any withdrawal of any kind that will overdraft my checking account to prevent overdraft fees. 
Yet Citizens Bank continues to process individual ATM transactions and Debit charges which overdraft my account, and incur fees. This complaint involves {$120.00} in overdraft fees, of which the bank refused to refund {$60.00} for a situation they caused by not following their own checking account clearing protocols which incurred the {$120.00} in unauthorized overdraft fees which started XX/XX/XXXX and which they waited until XX/XX/XXXX to issue a US Postal Service Notice of, which I received XX/XX/XXXX, due to XXXX XXXX  Holiday, all the while incurring additional overdraft fees, {$60.00} of which they refuse to refund, despite admitting it was their mistake. 

XX/XX/XXXX Fee Rebate Fee Rebate {$30.00} - {$170.00} XX/XX/XXXX Fee Rebate Fee Rebate {$35.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$230.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$140.00} XX/XX/XXXXDebit ( Unauthorized Overdraft ) XXXX   XXXX Online Pmt - {$80.00} - {$110.00} XX/XX/XXXX DBT Purchase ( Unauthorized Overdraft ) XXXX XXXX XXXX Oh XXXX - {$45.00} - {$34.00} XX/XX/XXXX ATM Cash ( Positive Balance ) XXXX XXXX XXXX Oh XXXX - {$40.00} {$10.00}
Product: Debt collection

My debt went into collections for a vehicle I willfully returned. I have been trying to contact XXXX XXXX XXXX to try to settle the account and clear it up but those attempts have been unsuccessful. I have called my original debtor, XXXX XXXX, and they said they no longer hold my acct and I need to contact XXXX. XXXX provided me with two phone numbers, ( XXXX ) XXXX and ( XXXX ) XXXX. I have tried numerous times and neither number is working. I also tried emailing them via their website and no response to that either. I XXXX   them and they seem to be caught up in some legal issue for running a ponzi scheme or something like that. How can I clear up an account and I can not get in contact with the debt collector. 
I do not have any documentation that I have ever received from them. 
Please advise what I should do next.
Product: Credit reporting or other personal consumer reports

I am having issues with charges on my background check appearing, even when they're not supposed to show any longer on a 5 or 7 year background check. I have a Possession of a Controlled Substance charge that was only one single court date and was supposed to be dropped off my record if I didn't get any further charges for 2 years. My background always shows the same charge two times, with different dates. And it's never been removed off my record.
Product: Credit card

On XX/XX/2021 a charge was made on my discover card in the amount of XXXX At the time my ex-girlfriend lived with me and was using my personal information to obtain credit card and use my cards for a fee for her associates to support her addiction. I became aware when I received a letter with a pin number for a XXXX credit card that I never applied for. Since I did not know the extent of the damage, I contacted XXXX who forwarded me a detailed credit report. It was a long process to get those opened cards closed. However, discover has been nothing but difficult with getting that large purchase removed. The more I tried the more Discover Card penalized me by lowering my credit limit and increasing my APR. Not only have I been suffering by trying to pay the high interest on a purchase I never made, but It has also made my utilization higher in which ruined my credit score. I also have another credit card from Discover not opened by me that I was lucky to have closed yet it has also affected my score. I had to take out a loan recently to have discover paid off in full because with the interest and fees I have paid them twice for that fraudulent purchase that I received not benefit from.
Product: Debt collection

Santander failed to give me proper validation of this debt. If there isn't an account, why are they sending me statements every month.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX  XXXX Balance {$710.00XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

Equifax is reporting a inaccurate account XXXX XXXX account # XXXX needs to be DELETED from my consumer report as it is inaccurate and is not belonging to me ( XXXX XXXX XXXX ). Equifax is reporting a account that belongs to ( XXXX XXXX XXXX ) which is not I nor do I know who ( XXXX XXXX XXXX ) is. Equifax on numerous occasions responded that it was reporting and Verified as accurate and that was a LIE & UNTRUE. On XX/XX/XXXX & XX/XX/XXXX I sent them a letter and photo identification letting them know the information was inaccurate and not belonging to myself. Proof of my name and address was sent along with it. Equifax repeatedly and willfully neglected to remove this inaccurate information. 

Equifax is in non compliance and violation for reporting this inaccurate information as XXXX XXXX XXXX is not myself XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax did not follow reasonable procedures to assure maximum possible accuracy of information concerning the individual ( myself ) ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I went through identity theft a few years ago and someone fraudulently opened up several accounts in my name, credit cards, loans and even an apartment in XX/XX/XXXX. I live inXX/XX/XXXX. I contacted the apartment complex and the collections agency that the apartments hired and sent them tons of sufficient evidence to prove that I didnt live in the state of Missouri and that Ive never been to that apartment. I sent them my lease in XX/XX/XXXXfor that current year, I sent check stubs for that duration to prove I worked full time in XX/XX/XXXX, I sent a copy of the police report to prove theres an ongoing investigation and I also sent a picture of my drivers license to show that it will not match the one they seen when the lease was executed even after all of these things, theyre still saying its my account and will not remove it from my credit report.
Product: Credit card or prepaid card

I purchased six one-way XXXX  ( flight XXXX XXXX tickets on XX/XX/XXXX through XXXX for a flight that was suppose to take place XX/XX/XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX layover in XXXX XXXX XXXX. Due to the circumstances of Covid-19 the flight was cancelled by XXXX on XX/XX/XXXX and a {$1800.00} XXXX {$310.00} x 6 ) credit was issued by XXXX. 
On XX/XX/XXXX I contacted XXXX with a refund request when looking through the XXXX website I realized this airline was no longer flying internationally and they had greatly reduced their domestic flights as well. The XXXX representative send out an email on my behalf to the merchant XXXX  for a refund request ( per the XXXX representative I was provided with an email reference number ) and after a month of not receiving any information either from XXXX nor XXXX I called XXXX back on XX/XX/XXXX. At that point the XXXX representative said they had not received any response/information to the email they had sent to XXXX and told me to wait. After waiting a couple of weeks I made the decision to contact my bank and the credit card I had used to purchase these tickets which was BANK OF AMERICA credit card to start a refund claim process. BANK OF AMERICA refunded 2 of the claims for a total of {$620.00} but has not refunded the remaining {$1200.00}. I can not afford to lose any portion if the {$1200.00}. And as of XX/XX/XXXX BANK OF AMERICA has done little to resolve my claims and when speaking to their " claim specialists '' they have pretty much said I am sorry out of luck! 
I hope you can understand my concern.
Product: Debt collection

On around XX/XX/2021 I called & requested by telephone for a debt validation & verification letter from CAPIO PARTNERS LLC for the amount of {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due and have NOT received a bill that includes a breakdown of any fees including descriptions of said fees AND/OR interests occurred. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

& 2. ) Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

Because of their negligence in falsely reporting the address it hindered the process of the item being removed sooner.
Product: Credit reporting or other personal consumer reports

I'am a victim of identity theft, my infomation is apart of the XXXX data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or regonize
Product: Debt collection

Portfolio Recovery is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX XXXX Dismissed the debt and removed the debt from all reporting in 2016. Portfolio Recovery has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and Portfolio Recovery refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. Portfolio Recovery is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.
Product: Payday loan, title loan, personal loan, or advance loan

This company keeps calling and harrasing me every day trying to sell me a loan. I have spoken to over XXXX representatives and requested they stop calling and harrasing me. I signed up for the national do not registry as well over a 1 year ago. I can't get this company to stop harrasing me. Everytime I request supervisor manager to get this company to stop harrasing me the customer service agent hang up the calls.