23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to save my home. I purchased my home and closed on XX/XX/XXXX. I made the first 3 payments with XXXX XXXX XXXX. I was then transferred to XXXX XXXX. The COVID-19 pandemic hit at the same time and I was unable to work. XXXX XXXX advised me to go on to a forbearance. They explained to me that I was protected by the CARES ACT and would be fine. It would not effect my credit and they would fix when the forbearance was over. During the pandemic my loan was transfer again for the 3rd time in less than a year. My new servicer was XXXX XXXXLoan Care. Once I was getting back to work in XXXX I contacted Loan Care to resolve. They advised me to apply for a modification. On XX/XX/XXXX Loan Care told me I was DENIED and had to pay them {$26000.00} IMMEDIATELY. I was shocked and I am now facing a foreclosure on my new home. My loan has been transferred 3 times in less than a year by servicers who complete mislead me and lied to me about getting help. I believe I am a victim of predatory lenders and I need help to save my home.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received two lease approval emails from Acima for {$3300.00} ( Lease approval # XXXX ) at XXXX XXXX XXXX, and {$6000.00} at XXXX XXXX XXXX XXXX ( Lease approval # XXXX ). Subsequently, on XX/XX/XXXX, I received an email welcoming me to Acima Leasing, stating that I had initiated a lease with XXXX  XXXX XXXX for {$3700.00}, which I never authorized or initiated. 

Assuming this to be an email phishing scam, I ignored the original email. However, I did take the precaution of finding Acimas email address ( XXXX ) and sent an email stating that I have not purchased or leased anything from them and inquired if this was a fraudulent email. I did not receive a response. 

I then received several subsequent emails claiming the lease was past due, expiring, requiring the product to be returned, and mentioning that collections are now involved, with potential credit reporting if not paid. On XX/XX/XXXX, I responded to an email from XXXX, stating that fake lease accounts had been opened in my name/email ID, and I was receiving unwanted emails about payments due. I mentioned that I would pursue legal action if this issue was not resolved. I received only an automated response confirming receipt of my email. 

On XX/XX/XXXX, a collection team came to my house ( I am unsure how they obtained my address ). They handed me a phone number to call. When I called, I was informed that my cell number did not match their records. 

That indicated that my identity had been stolen, and my information is being used for a scam.
Product: Debt collection

I signed up in XX/XX/XXXXfor debt consolidation with DMB FINANCIAL on XXXX XXXX they said that after they settled all debt they would take a fee of 25 % as their fee ;. I tired to negotiate the fee as for their services as it was high they said the 25 % was allowed by the state of AZ they called me in XXXX saying the had first fee settled with XXXX card {$1.00} and change and now they wold take 25 % per file per credit card. Said that was not what you represented when I agreed to your servicer they said 25 % is open to interpretation. 

NOTE I had tired to fight XXXX card since XX/XX/XXXXfor a lost payment of XXXX dollars which i they first acknowledged and said me a credit then two months later said they had made and error the Supervisor who had found the error vnsihded form working at XXXX  in XXXX. 

I had filed this as a complaint in AZ Attoney gnerail nothing was done so in XX/XX/XXXXI signed up for this credit consolidation of debt with
Product: Credit card

Hello, I went to Lowes and made a payment in person on my Lowes credit card. I was going to be traveling so I asked the associate to take the full payment and pay off my balance. I told the associate I was going to be traveling. They took my payment and told me my account was paid in full. Today, On XX/XX/XXXX, I noticed I had received a bill from Lowes in this bill. I had late fees in XXXX and additional fees in XXXX. When I spoke to the associate on the phone through the Lowes credit card, they told me that store employees cant take full payments. I informed them that the associate in the store told me my balance was paid in full because I was traveling. The store employees are representatives of, the credit card and that should be honored. I now have late fees because I wasnt even in town to receive a bill yet. The credit card company has said that they would not be able to do anything for me. And that I am required for the entire balance now {$10.00}. Personally, I believe this is whats called debate and switch because I was told by the Lowes in store rep that I had paid my account in full only to find that now I have these extra fees and I feel thats very predatory for consumers.
Product: Debt collection

Multiple letters sent with copy of discharge order. Company has not responded to multiple request to remove debt from credit bureaus.
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and Im completely at a loss as to why theyre there. I always review my credit report regularly, and everything has been fine until today when these discrepancies appeared out of nowhere. I even refreshed my browser thinking it might just be a glitch, but nothing changed. The inaccurate accounts were still there. Im pleading for a thorough review of the documents Ive provided so that I can stop living with this constant worry.
Product: Credit reporting or other personal consumer reports

CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. This account is reporting false information number of terms do not match the balance is incorrect and I never signed anything with credit collection services saying I would pay them CREDIT COLLECTION SERV Account Number : XXXX I demand this account be deleted from my credit report because its reporting inaccurate I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED.

PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FUTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE UCC1-308
Product: Credit card or prepaid card

i paid for an XXXX  XXXX  in XXXX {$2500.00}, the company went out of business one week prior to use leaving the country in XXXX, and never paid for us to go, I immediately opened a dispute with Discover. Got a temp credit, as did all XXXX other travelers with me, everyone won their dispute with their credit cards except me, I provided tons of documentation. Discover never even told me I lost dispute, I had saw the charge reapplied to my card, so I called them and they said it was because I waited to long and now they can not take back the money, I said I notified you immediately upon learning. Then they said I didnt provide enough documentation, HOWEVER the merchant that went out of business they allege provided a receipt of payment, that is all and Discover awarded them the win and made me pay an additional {$2500.00}. They did NOT provide the trip i paid for and took my money and Discover awarded them the win. NO other credit provider awarded the win to the credit card company except Discover and me. I have tons of docs to show you in support of my claim, including the one receipt that the merchant provided, there is ZERO evidence to support Discover awarding them the win. All big trips are paid way in advance, that is why I paid in XXXX for an XXXX trip
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company states that the XXXX  13 and XXXX  7 was verified with the furnisher, United States bankruptcy court, XXXX XXXX XXXX XXXX. I have a letter from the United States bankruptcy court, XXXX XXXX XXXX XXXX  stating they do not report to any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Capital One Collections Account Reporting as OPEN with a Past Due balance of {$1400.00}. 

On XX/XX/2023 I sent a certified mail requesting this account be removed off my credit report. Since then the account has been updated to meets FCRA requirments. This is false for more than 1 reason. This account has been charged off. IRS defines charge offs as income, income CAN NOT be reported on a consumer report. I never received tax information regarding this account. I have disputed this account several times.

This account is still reporting as a open account which is a direct violation as well! All three agencies are still reporting KNOWINGLY and WILLINGLY against my rights. Violating XXXX Compliant Reporting Standards, also violating 15 USC 1681 2 ( a ) ( 1 ) ( a ).

The Fair Credit Reporting Act states that I have a right to fair and accurate credit report, you are required to remove any information that is not true, accurate, compliant, and verifiable I DEMAND that this account is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I notice two accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was horrified to see inaccurate accounts on there with no explanation. Im used to checking my report, and this was completely out of the blue. I tried refreshing my browser, thinking maybe it was a temporary issue, but the errors stayed. I need my documents carefully reviewed to make sure I never have to go through this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not mine idtheft victim
Product: Checking or savings account

I have tried the last month to contact Citibank without having been successful on several occasions, the associates do not answer the calls, on several occasions I have called and I have had to wait long periods of time between 45 and XXXX, nobody gives reason why I can not enter To the platform to pay my bills, I try to close the checking account but the associates do not offer support for this transaction. I don't want to be fined and I don't know what to do, nor can you wait hours on the phone for a financial service provider to effectively resolve the situation. Please help me to close my checking account as I can not contact any Citibank associate.
Product: Debt collection

I have received a letter and it has stated that they provided account summary and that is all they are providing as verification of said debt. I have requested may time that they provide me with payment history and my real signature on said contract. They have failed on numerous requests to provide this information. I have stated many times if this was my debt then why would I have 2 accounts with said original creditor if this is outstanding.
Product: Checking or savings account

This complaint is about Chase Bank. I recieved an over draft this morning for {$150.00}. According to the Chase app. I had {$40.00} in my account as of yesterday, XX/XX/2019, when i withdraw {$120.00} out at the atm. I tried to figure out how this could have happen but only thing i see is my payment to XXXX XXXX for {$200.00} that was placed on friday XX/XX/2019. Now i know for a fact that it was posted to my account which means the money was to be held or taken out. Because the {$200.00} was on the XXXX XXXX credit card the next day. I do not understand how i overdraft my account when i always check my app. I just found out My daughter who is XXXX  XXXX  is also having this problem. She has a hard time counting her money and she said this has happened to her more then once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of XXXX thru XX/XX/2021, I noticed that after XXXX XXXX reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop 10 points on two credit bureaus each time and 9 points on the other. A total of 29 to 37 points. I make it a point to keep my utilization within 10 % as I have been working hard to build my credit expecially over the past year. After several conversations with XXXX XXXX where they insist that they are not reporting the balances, and also calls to myfico and Equifax, I had no choice to turn to CFPB for investigation. I have also asked several times for the XXXX XXXX customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the three times this happened, I did see where one of the times the balance was reversed back but, I was not given my 10 points back. I am a XXXX XXXX owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the three credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I was locked out of my Marcus Savings ( Goldman Sachs ) account because they had the wrong SSN on file, and because my phone number is not registered in my name on their end. I was told that a letter was sent out on XX/XX/23 to my mailing address with an affidavit so I could verify my identity and unlock my account. They said it would take up to 10 business days. I have not received such a letter. I have also bought a new sim to get a phone number in my name, even though I have had my phone number for almost 10 years now. I was unable to verify myself with my new phone number as well.

Whenever I call Marcus, a case gets opened and I am asked to call back in 3 days. Then another case gets opened. I am stuck in a loop, with no access to my funds.
Product: Student loan

My student loan servicing company, Navient, will not allow me to make payments on my principal balance. I spoke with a Navient representative and she said the only way I can make principal payments is by making them exactly on the XXXX of every month. However, Navient continues to apply my additional principal payments to " future '' payments due. Not to my principal balance. Furthermore, they are issuing incorrect XXXX forms. For example, in XXXX I paid {$330.00} in interest to Navient on my student loans and they reported on my XXXX XXXX that I only paid them {$180.00} in interest. In XXXX I paid Navient {$380.00} in student loan interest and they only reported me paying them {$200.00} in interest in XXXX. 
They 've also increased my interest rates 4 times in one year.
Product: Credit reporting or other personal consumer reports

Capitol one credit card show past due, on my report 2 year payment history shows on time payment account # XXXX, XXXX XXXX account reporting incorrect balances account # XXXX, XXXX XXXX XXXX reporting balance {$2600.00} and a date of account start date off by 2 years, XXXX is asking for money I received during covid, the date I rented at XXXX was from XXXX XXXX the account date with XXXX on my report is reflecting XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on X/XX/17 I requested my PIN be sent. It has been 14 days and in their response they said it would be 5-7 days. They lied again. I am applying for a mortgage and it is imperative that I get that information immediately. I have previously filed a complaint on Transunion and I think they are purposely holding up this information because of this. XXXX XXXX was the snotty supervisor who not only had me answer the security questions but also ask to have my husband fax his drivers license to her. This is ridiculous.
Product: Debt collection

I am filing this complaint because ONEMAIN ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Mortgage

I have tried to make additional principal payments to my Bank of America home equity line of credit. The interest and a small amount of principal are deducted electronically each month from my BofA checking account. From time to time I also send in payments of additional principal. I note on the payment slip that it is an additional principal payment.     Each time, the bank applies the additional payment as the next monthly payment and does n't take the electronic payment from my checking account. I 've tried multiple times to get them not to do this. To no avail.     Each time I call the " customer service '' number on the HELOC statement, I get the credit card department and it can take  up to 30 minutes ( record is 38 minutes ) on h old before I speak to someone in the right department. In other words, there is no " customer service '' at BofA.
Product: Debt collection

I've had enough. I combed through my personal credit report, and what do I find? An absolute circus of inaccuracies that are driving me up the wall. Now, I get it mistakes happen, but these are no run-of-the-mill errors ; they're bulldozing my chances of ever owning a home. I've done my homework on the dispute process, and I know you're supposed to get your act together within thirty days. It's high time you rolled up your sleeves and wiped these abominable errors from my credit report. In these trying economic times, I can't afford to have bogus information dragging my credit score down. So, you better believe I'm counting down the days until I see an updated credit report that reflects these crucial changes and it better be within thirty ( 30 ) days, no less. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. Delete these fraudulent accounts in my credit profile ASAP.
Product: Vehicle loan or lease

We borrowed money to buy a car from KIA Motors - loan was for {$12000.00} in XX/XX/2019. 
In XX/XX/2019, we requested the full payment amount - we paid off the full amount by XX/XX/2019 after requesting a full balance due and paying it off. For several months after that, we continued to get monthly bills - we continued to tell the billing person that the amounts have been paid off. We even received a letter from KIA Finance that the loan has been paid off. However, the calls continued each month with a new person calling. 

We were recently denied credit and when we requested some further information, it turned out that KIA had reported a dispute and a balance outstanding in the approximate amount of {$310.00} which had caused our credit to be denied. 

We called them at their 800 number today and were told that we owe them approximately {$310.00} and we were not allowed to speak to a manager. The conversation was very abrupt and we were given no options including any accounting of why we owed the balance after we had paid off the loan, received confirmation that the loan has been paid and the title has been released. However, the person on the phone said that the title is not released in their system and that we owe them the money. He refused to allow us to see the documentation of the calculation and just said that we had to pay the money. He said that his record showed that the manager had communicated this to us earlier and was not ready to share the reason for the owed amount but we do not remember or recall such a conversation. 

Attached are the documents.