23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX returning to college. I am waiting to see what my federal loans will be for this semester. My family and I have been harrassed with insessant phone calls by Sallie Mae to begin making monthly payments, starting at {$420.00}. I am employed part-time and can not afford this. When I expressed that I could n't afford monthly payments, they offered defferement for {$100.00}. When the agreed date for the payment passed, they claimed they did not recieve the payment. I now owe {$100.00} plus the $ XXXX monthly payment to be allowed defferment again. I can not afford to pay this. Speaking on the phone again, they threatened to take the loan to their collections agency. They resorted to using scare tactics in telling me they dont know how I 'll get more loans for school once they report me. They expressed they did not care if it threatened my future academic career. They are unwilling to work with me so I can continue my education. The original loan amount from Sallie Mae was XXXX. With interest, it is exceeding XXXX. I need help addressing this debt and with negotiating fair and just payment options with this loan while I have extremely low income.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I sent the recipient total of {$540.00}. 
I was told I was going to get it back, but the recipient has not done so nor will respond to my messages. I 100 % believe it is a scammer. 
1 ) XX/XX/XXXX, {$250.00} 2 ) XX/XX/XXXX, {$250.00} 3 ) XX/XX/XXXX {$45.00}
Product: Credit reporting or other personal consumer reports

I have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on Transunion XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX   XXXX  an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my Equifax report. I also contacted  XXXX  concerning a inquiry  for   XXXX   XXXX   that  was not mine and requested to have removed due to its not mine and its about to fall off in  XXXX , I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the   XXXX   XXXX   inquiry is due to fall off  XXXX / XXXX /  XXXX  . also   XXXX   XXXX   is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the  XXXX  inquiry is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instructions.
Product: Consumer Loan

I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.
Product: Mortgage

In XXXX of XXXX, my mortgage company Mr. Cooper debited {$14000.00} from my escrow account with the description, `` County Tax ''. 

I checked my Property Tax Payment History page on the XXXX XXXX Treasurer and Tax Collector website to see if a payment was received and it wasn't. 

I called Mr. Cooper to confirm a payment was sent, and the representative confirmed it was sent via their tax payment company XXXX. I also asked why this payment was made, and they couldn't give me an answer. 

I called the XXXX XXXX XXXX XXXX Collector, and they said they didn't receive any payments for my property. They were able to confirm they received a check for {$14000.00} on XX/XX/XXXX from XXXX with the check number XXXX, but that it didn't have anything to identify my parcel/property and was deemed an " unidentified payment ''. I was instructed to contact Mr. Cooper with this information, as they were the only ones who could initiate a refund of the payment. 

I called Mr. Cooper and gave them all of this information, including an email address for the supervisor at the XXXX XXXX XXXX Tax Collector 's office, the check number and receipt date and our property information. I was told they would initiate a refund with XXXX XXXX XXXX and they would follow up with me, but a week later they still hadn't done so. When I called for an update, I found nothing had yet been done. 

After this payment was made, it caused my escrow balance to go to - {$12000.00}. My monthly escrow payment went from {$510.00} to {$3800.00}. 

In XXXX I asked Mr. Cooper for my case to be escalated as no progress had been made. I was assigned an agent named XXXX, who worked on my case until XX/XX/XXXX with no progress being made on a refund. After XX/XX/XXXX he stopped returning any of my phone calls. 

I asked for my case to be escalated again, and I was assigned a new agent named XXXX. She has been working on getting this refund processed from XX/XX/XXXX until now ( XX/XX/XXXX ) with no progress being made. 

Since XXXX of XXXX, I have made payments to my Mr. Cooper escrow account in the amount of {$7900.00}, and my balance is currently at - {$5000.00}. 

In summary, a payment of {$14000.00} was made on my behalf from Mr. Cooper to the XXXX XXXX XXXX Tax Collector. They received they payment, but due to Mr. Cooper 's ( or XXXX 's ) mistake it was never assigned to my property. Despite me catching this mistake and bringing it to their attention over XXXX months ago, they haven't taken the necessary steps to have the payment correctly assigned or refunded. They have continued to charge me for escrow on my monthly mortgage payments to correct the negative balance in my escrow account created by their erroneous payment, leaving me with less money to pay my XXXX tax payments which are now due. The {$14000.00} has been made unavailable to me without it being applied to my escrow, mortgage, property taxes, or being refunded.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate bankruptcy report on my credit file, which has been verified by the credit bureaus through XXXX XXXX. This misinformation has caused significant distress and financial hardship for me, as it has negatively impacted my credit score and ability to access credit. Upon discovering the bankruptcy report, I was told by the credit bureau company to immediately contacted XXXX XXXX to request clarification on how this information was verified. To my surprise, XXXX XXXX informed me that they had verified the information through XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), an online service that provides access to federal court records. However, XXXX explicitly stated that they are not affiliated with XXXX XXXX and do not contact consumer reporting and credit reporting agencies. XXXX 's sole function is to provide access to federal court records. 

On XXXX XXXX I also received a letter from XXXX stating the bankruptcy information reported was unverifiable have been removed from their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my Equifax credit report.
Product: Mortgage

We obtained a home equity line of credit in XX/XX/XXXX with Spring EQ mortgage in XXXX, PA. In XXXX, we received a letter dated on XX/XX/XXXX, that the home equity line servicing was being transferred to a company called XXXX XXXX XXXX. As noted, the letter arrived XXXX due to the problems with the U.S. Postal Service. We did not receive an account statement for XXXX. 

We reached out to the number of new loan servicer. In the process, we discovered the name of the servicer was noted incorrectly in the letter. The correct name is XXXX XXXX XXXX. The company also said we were past due on our XXXX payment. However, we paid our XXXX payment on the 2nd via automatic clearing house, with Spring EQ, which has been the method of payment since the inception of the home equity line. Spring EQ also neglected to transfer our property insurance information. At no time from the receipt of the letter until we called the new servicer have received any communication from XXXX XXXX XXXX. They said on the phone an introductory letter went out on XX/XX/XXXX, which is odd given that our new payment would be due XX/XX/XXXX with a grace period that was yet to be determined. Moreover, we hand no other payments options provided but a XXXX  XXXX from Spring EQ. Why if we were delinquent did we not get information sooner. XXXX XXXX XXXX said they received the file on XX/XX/XXXX. None of this makes any sense. It also does not conform with standard practices of transfer of loan servicing. Is Spring EQ having financial issues? They are not taking calls.
Product: Credit reporting

My credit report contains 90 % false information. the only accurate report is my Auto loan from XXXX. 

I have an identity theft problem since 2013, and ca n't seem it get the accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX Inquiry : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. 
XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  + Miscellaneous
Product: Credit card

try this email address XXXXXXXXXXXX approx, how many times have you been at a restaurant? or any other situation where aomeone other then yourself had access to your credit card could hypothetically written all your info or ordered something via the phone, where someone has access to all your info regarding credit care and address info? why is it when you go to a restaurant to eat, the restaurant keeps a copy of your signed receipt? what is the point of a debit card being so? 
do you know when you call american express, when youre on hold, the computer generated voice goes, as a amex card holder, you are not responsible for any charged that you have on your bill.for what seems like six months american express isnt holding up to their part of the deal. i am sending the original letters to amex ceo and copies to president obama and you guys. who is " XXXX '' in salt lake ut ... they wrote with a lettetheas of american express global banking ref : XXXX basically their is no signature, theur is no debit card number password. 
XXXX just charges and got no signature or no verification wheres the ip address? 
but neither i nor the other card holder authorized this charge!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and found several items that were never authorized. I sent a letter to Tansunion and received a letter back saying the information was correct. I sent a second letter asking how this was determined and received a letter saying that I was a credit building business. Below are the items I would like removed from my credit report that were not authorized. 

XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed
Product: Debt collection

The facility did not adequately disclose the cost of the expected services after presenting insurance card. There was no other financially obligation discussed. I was not contacted regarding any additional balance until it was in collections. My flex spending account would not accept the balance due to timely filing. I also received the explanation of benefits months after the date of service. This letter stated do not pay as it was just an explanation of benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today 's Date : XX/XX/2023 I talked to an agent of Equifax related to dispute : XXXX submitted on XX/XX/2023 with documents.

Best summarized version of call : " The dispute was closed because documents uploaded were missing FTC report. '' Dispute Results : '' If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, we contacted the company reporting the information to Equifax for them to investigate your dispute. '' My Complaint : 1 ] Incident reported on my credit report on XX/XX/2023, I filled first dispute on XX/XX/2023 on Equifax website and then another dispute for same issue on XX/XX/2023 and still my issue is as is on the first date. I CAN '' T CONTROL MY COOL. If I create a dispute on Equifax portal, they should approach me via email if something is missing or at least write it down CLEARLY in results that hard inquiry you tried to remove was not removed because of this reason.

2a ] Equifax decided to close the dispute with an ambigious and generic statement mentioned above. Such ambigious statements does not help to understand what exactly happened. Did they made changes? Did they communicated to company XXXX XXXX Bank in our case )? WHAT DID THEY DOOOOO? 
3 ] If dispute results does not tell what document is missing, how the XXXX would I ever know that Equifax wanted an additional document in order to remove unauthorized inquiry? How long do I need to track this item on my plate? It is a simple thing and Equifax is sitting idle on it until I approach them via robo picked up repeating instructions phone calls. 
4 ] No expedited service where person can provide " missing '' documents on the same dispute on their portal, or fax or email.
Product: Credit card

Chase Bank Credit Card decreased all credit cards limit to all three credit cards. 

I have been paying off my credit cards and had 0 issues on missed payments. 

Chase decided to lower all of my limits to my cards which causes hardship and burden against my utilization ect. 

Requesting to revert my limits back
Product: Bank account or service

We had Fraud committed against us, by a customer that gave us a fake check, we did not know, of course the check was fake? It was a deposit paid to our business to hold spots for scheduled services. We contacted Chase bank several times while the account was placed on hold and eventually closed by the bank. In contact with Customer Service over the phone and with the Chase Fraud department, we were told to wait seven days and go into a branch and open a new account. 
We went into the branch, the Customer Service rep, called their ( Chase Fraud Dept. ) and got the permission to open the account, we spent about an hour giving our personal info and XXXX forms of ID 's to reopen a new account. The old account that had fraud committed against it, still had funds that the bank was holding, we were told we could fund the account with the funds sitting someplace with the Fraud department at Chase. The CSR of the bank was not sure how to retrieve the held funds so she had us fill out signature cards etc, generated paperwork for the new account. She told us to please wait she needed to speak to her General Manager, to find out where the funds were being held. 
The general manager came back to the office we were sitting in with a horrible attitude, and spoke to us ( myself and my husband ) in a disgusting tone, elevated for no reason. He then informed us that it was his personal decision to not open an account for us, based on his bias and discriminatory attitude towards us. His own department/company and internal processed cleared us for an account, so we can only assume, his five minute decision was discriminatory, biased and racially motivated. In fact customers service over the phone and Chase Fraud department cleared us for an account, prior to the branch customer service rep, spending an hour reopening a new account for us in the branch. 
This Chase Branch Manager " XXXX XXXX. XXXX '' ... Branch manager of Chase at XXXX XXXX XXXX, XXXX, IL XXXX ... XXXX XXXX ... .Fax XXXX ... made his own personal determination, based on our appearance and race, he did not want to hear that we were victims of fraud, in fact he even told us ... '' we are responsible for the fraud that was committed against us ''. We later received an apology from their customer service complaints line, however this individual/organization is not taking any responsibility for his biased actions. We were instructed by his organization to go to a branch, instructed that we got the OK to reopen an account, spend an hour with the branch Customer Service Rep, that verified we can open an account. Signed forms, completed the process of opening a new account. Only to face this blatant, XXXX, discriminatory treatment from someone that should n't be a branch manager, of an institution that depends on public funds to stay in business. We were treated like dogs by XXXX and he 's unfortunately still operating, dealing with the public and apparently running the Chase branch based on his own personal biased opinions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Money transfers

On XXXX XXXX, 2016 I sent a wire transfer from my bank " XXXX '' in California via an intermediary bank " Bank of America '' to the beneficiary bank " BAC '' in XXXX. 
BAC would not release the funds because of incomplete information. After further questioning as to what was incomplete BAC supplied me with two emails showing that Bank of America in XXXX omitted the name and address of the intended beneficiary in XXXX. I am asking for a full refund of the charges involved because after I finally had the funds returned I needed to pay all the charges again. XXXX charged me {$40.00} and Bank of America charged me {$15.00} for the incomplete service. 


I have sent a certified mail with all the documents and received a form letter telling me to get XXXX XXXX to handle it. 

It is almost impossible to get thru to Bank of America and the wire transfer division is almost top secret.
Product: Debt collection

The date posted is XX/XX/2023. Reference number XXXX. For RMP services, LLC. XXXX XXXX XXXX. XXXX, OH XXXX. I am filing a dispute for my son who is XXXX XXXX XXXX. XXXX XXXX. Whose on the bill. He can not pay a XXXX balance on his account. Since, he is only XXXX XXXX XXXX. So, from here on I am providing enough information. That his father XXXX XXXX will be taking on his debt. This is not the XXXX XXXX XXXX debt. At the time, of service his father was the one present. Therefore, under law he is required to submit paperwork and therefore be disputed his debt from this day forward. The collection company should not be billing my child at this point. Thank you for your time. Hope to be in contact with your company about this matter. At this point this is serious matter. In that, the hospital was responsible for the well-being and care of a child. And allowed an adult to provide false information about a debt that should not be collected in his name. For services. The child is not at fault for services that were rendered to him. And provide a XXXX XXXX XXXX with debt that he is not responsible for. I will be in touch with your company. No correspondence is to arrive in my mailbox under my childs name. Thank you.