23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been making payments to FedLoan Servicing for a full year on the IBR, while enrolled in non-profit forgiveness. I filed my yearly paperwork in XX/XX/XXXX, as I was directed to do. They raised my payment to almost XXXX what I had been paying the previous year. I refiled in XX/XX/XXXX for the new REPAYE plan. A glitch in their website caused my filing to be rejected, so I called immediately and refiled as they directed me to do. That was in XX/XX/XXXX. They directed me that I would need to pay {$5.00} for a temporary forbearance until they processed my paperwork. I did. When I still had not heard anything, I called again. They said that they would have to issue the invoice, that I could not just pay the {$5.00}. I waited until XX/XX/XXXX before they issued this invoice, and it was in the amount of {$4.00}. I paid this, assuming that the customer rep had rounded up the remaining penny. In XX/XX/XXXX I was notified that I was in default, and that I owed XXXX what my adjusted payment should have been, and that it was due in 6 days. I called again, and was told that I had not paid the {$5.00}. I referred to the {$4.00} that I had paid, according to the invoice they issued, and they were at a loss as to why I had been billed a penny short. They assured me they would have it resolved in 7-10 business days, and that I would be getting payment credit for the 8 months of non-payments for my non-profit forgiveness. The time has passed and I am still getting emails about being overdue. I have called monthly, sometimes XXXX times, for 8 months, and still have no resolution. It is ruining my credit score, causing XXXX, and I am at a loss as to what to do. It feels like a scam. I can only assume that I am not the only person being subjected to this mismanagement.
Product: Mortgage

I received a letter from Ditech stating my mortgage was transferred to XXXX XXXX XXXX. This after all requested paperwork for a modification had been XXXX to the loss mitigation department of XXXX XXXX 2017. This is the second time this year my mortgage has been sold while in the modification process and the process not completed. Now what will happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX  {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 )  XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX  {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}
Product: Checking or savings account

On XX/XX/XXXX, I initiated an ACH transfer to have funds transferred from my USAA account to my newly opened XXXX XXXX XXXX account. Approximately XXXX hours later, my USAA account reflected that funds were debited from the account. However, my XXXX XXXX  XXXX account still shows the funds never arrived. I notified USAA and requested that the transfer be reversed ; they informed me that I would have to file a dispute instead. After filing the dispute, it is common practice for USAA to issue its customers a provisional credit to make them whole in the interim or while the case is being investigated. USAA refuses to do this, more likely due to my increased spending activity. I am an unemployed, XXXX veteran, and I just moved into a new apartment, so my spending has increased due to furnishing my apartment. I also have bills that will become due over the next few days and likely will be unable to pay them due to USAA 's neglect and I've notified USAA of this many times, yet they have ignored my request. I would like to ask if someone could investigate this matter so that I can receive a fair resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX my business partner and I called to redeem the points as advised by the American Express team in order to transfer the primary card user to me. Once we got a hold of the membership rewards team to complete the task as advised we were told we were unable to as the point were under review and we should have got correspondence. I asked when did it go under review and it was that same day when we tried to redeem. We have been cardholders since 2016 and pay all the bills on time. We operate an e-commerce company and have built our accounts and points. Since we didn't want to lose all the hard work points we earned we decided to transfer. We have been nothing but loyal to Amex and don't understand why they decided to make things difficult to simply use the points we earned fairly.
Product: Vehicle loan or lease

Bridgecrest Credit Company which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$16000.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried fixing this with Transunion a few times and it doesn't seem to be fixed. I am a victim of Identity theft. I have not ever signed up for any Subscriptions to any clubs. I do not authorize XXXX XXXX to view my credit reports in anyway nor XXXX XXXX. They appear on my report under promotional inquiries and Club subscriptions, along with XXXX data on behalf of XXXX  and XXXX on behalf of rise. Please do not allow these companies to review my reports soft inquiries or not. I do not authorize XXXX nor XXXX XXXX to review my credit reports either these appear as soft inquiries. Additionally you allowed a Hard inquiry from XXXX XXXX `` XXXX '' to appear on my credit report. I did not authorize this please delete this hard inquiry. Thank you for taking the time to work and resolve the fraud that has occurred.
Product: Vehicle loan or lease

We bought a car from  XXXX   XXXX , it was an  executive  driven car with low mileage on the car. After multiple trips back to the dealership to rectify the transmission problems, they continued to say the car did not have any issues and it was fixed. We finally bought a new car from  XXXX  and they bought us out of the  XXXX . We went back to  XXXX   XXXX  to get the money back from the Gap insurance that we purchased. We filled out the paperwork and were to ld 2 weeks to process and 4 week s to get the money back in the mail. This was back in  XXXX  where we went in person to cancel. We have since called back multiple times as well as visiting the location in which they have assured us it would be completed and we would get phones call back.
Product: Credit reporting

I have been disputing hard inquiries on my credit report that posted in XX/XX/2015. I have sent several letters and called to have inquiries removed for reason that I did not apply for credit with these companies. I have been told that my information was not in there system because an account was never opened but the inquiry is there on report. if they do n't have an account they have no way of investigating and of course they will not take my word.
Product: Mortgage

After doing the paperwork and upon closing on XXXX XXXX for my refinancing of my home, I was led to believe that my payments would decrease. XXXX home loans/Nudge funding -Company I worked with told me all I would need to close is {$45.00} in a check and my payment would then be XXXX, approximately XXXX less than that was currently paying. After I got my first bill I found out on the paperwork that there is an {$12000.00} closing cost that was not explain to me which brought up my original payment {$200.00}. Due to their predatory and sneaky tactics, and not being thorough with exclamation, I now have a higher payment then originally. The company is based in Utah and the attorney that I signed with from a mobile agent is not licensed in the state of South Carolina which I reside.
Product: Debt collection

NCA didn't send me a collection letter before placing this on my credit file, giving me a chance to dispute this collection account. According to the FDCA. collection agencies are suppose to notify you in writing before placing anything on your credit file. But this is their new trick to cause you extra stress. But collections agencies are lying saying they don't have to send you a letter just to keep it on your credit file. Well I know better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and Transunion reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed 4 disputes with EQUIFAX ( EQ ) to remove negative information from my CR because the reporting period is past 7 years for 2 accounts ( # XXXX, XXXX, XXXX, XXXX ). Basis for 1st account : 1st delinquency occurred in XX/XX/XXXX. Basis for 2nd account : 1st delinquency occurred in XX/XX/XXXX. Proof was sent in the form of Billing Statements I received from creditor XXXX, upon request and a Transaction History Report sent to me from the creditor XXXX XXXX XXXX XXXX ( XXXX  ). These document from the creditors verifies ( 1 ) the information on my EQ CR is inaccurate, ( 2 ) the negative information is past 7 years and ( 3 ) the accounts are at least 10 years old -and should be removed entirely. The point that EQ is negligent in upholding the FCRA - 15 USC 1681i ( 611 ) ( a ) ( 5 ) ( i ) ( ii ) ( iii ), is the fact that the same documents obtained from both creditors, as described above, were submitted with my disputes to both XXXX and XXXX and both credit bureaus took appropriate action and removed the negative information entirely and in removed the accounts. I am being harmed by EQ 's negligence, each day the negative information remains on my CR. I want them removed as required by law ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  did a hard inquiry on my credit for a credit card and I did NOT apply for it or any other cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Ed 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

I have contacted Westlake financial many times requesting a XXXX statement balance letter to provide to the credit bill to have my report updated. I never received any of their emails or letters with the requested information. They refused to provide a settlement letter. They also refuse to update my credit to reflect, the correct account balance which is XXXX dollars as this account was settled in full in the amount of {$630.00} made on XX/XX/2024.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo Dealer Services until 2014, when I paid off my loan early. I believe that my prepaid gap coverage that wasnt refunded when loans were paid off early and that the lender incorrectly applied payments. I would like my case reviewed to see if I was affected and if I am eligible for the lawsuit settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : XXXX XXXX disputes inquiries on Equifax Credit Report as shown below. 

Inquiries disputed : XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Description : UNKNOWN and UNAUTHORIZED hard inquiries ( as shown above ) reported on consumer credit report. 

Cardholders Argument and Violations : 1.Credit reporting agency reports multiple hard inquiries listed above on consumers credit report ; consumer did not authorize access to these credit hard pulls. 
2.Consumer Credit Reporting Agency is not in compliance with the Fair Credit Reporting Act and reports inaccurate information on consumers credit report. 
3.These discrepancies violate to consumers Right to Privacy and not in accordance with the applicable regulations. 
4.Unauthorized inquiries recorded on consumers credit report prevents consumer from acquiring credit ; causes consumer financial hardship. 
5.Consumer has notified Credit Reporting Agency of these discrepancies in the past ; Credit Reporting Agency has failed to correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said my information is likely to have been stolen. I received this info on XXXX XXXX, 2017.
Product: Credit card

Dear CBNA/Best Buy Credit Card Services ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my XXXX XXXX online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling XXXX XXXX and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report. 

I contacted XXXX XXXX again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

Equifax is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from equifax : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681Section 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage company, Roundpoint, increased my monthly payment due by about {$500.00} based on wrong property tax projection for the town of XXXX. They paid wrong amount to the town XX/XX/2016 and got refund XX/XX/XXXX from the town. Their escrow analysis for this year is based on the wrong amount they got refunded XX/XX/2016. Since I get tied of the mistakes they have made and overcharging for my escrow account, I requested the removal of my escrow account. They denied my request without justification. they stated that the loan to value ratio is greater that XXXX % but it is actually less than XXXX %. They also claimed that I have PMI, but currently there 's no PMI on my loan and I have not paid PMI out of my pocket. 
Customer service has not been able to answer to any of my inquiries and they don ; t allow me to talk to anyone who could answer to my questions and request.
Product: Credit reporting or other personal consumer reports

Santander account on my credit report and it has been wrote off and I have never recieved a 1099c for the account. This account should not be on my report.
Product: Credit reporting or other personal consumer reports

My personal and consumer credit information has been exposed and compromised by both a data breach and dark web exposure via Transunion
Product: Mortgage

-Since the mortgage was transferred from XXXX , XXXX XXXX , Florida ( also reporting late payments to the credit bureaus while the case still was in court. I have paid for late fees totally out of my control as a customer. 
- Gregory Funding, LLC charged me fees for delays in the transfer of the mortgage paper work from XXXX to them. 
I had experienced rude and unprofessional behavior/attention even arguments with the customer representatives. They talk and act as you " the customer '' own them something. Customer Representatives answer to simple questions without " clarity '' and " transparency ''. These abusive acts and unfair practices such as paying for fees out of my control during the transfer process of my mortgage between XXXX to Gregory Funding. 
- Latest incidents : Since XX/XX/2020 until today, Tuesday, XX/XX/2020 I have been faxing and calling Gregory Funding, LLC to please submit a " Pay Off " letter to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX -- XXXX. 
( Contact person : MS. XXXX XXXX, Loan Manager ). -  Faxed twice last fax : dated XX/XX/2020. -The Credit Union Processor and the Mortgage Loan Manager contacted Gregory Funding , LL 3 times to get the " Pay Off '' letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice from an existing credit card company that they were increasing my interest rate based on an experian credit report. 
I attempted to file a online complaint with experian provided ID information including social security number without which no information was forthcoming. experian claimed divulging my social security number was mandatory. 
After providing the information experian would not provide a copy of my report or credit score but offered me my selection of sixty two new credit cards from different banks, etc. 
They also made a major marketing effort to sell me services such as credit watch etc. 
It is obvious that experion is attempting to scare consumers into purchasing their financial services. A scam! The CFPB and other regulatory agencies or any curious person should visit the experian website and see for themselves.
Product: Checking or savings account

My bank account with Capital One was compromised via the online banking system. I asked Capital One on multiple occasions ( at least ten times ) to secure my online banking. They continued to fail to lock down my accounts and at least XXXX dollars was taken by the fraudster. Capital one continued to provide unclear direction on when they would secure the bank accounts or when they would provide me a refund. They continued to tell me it was my fault that this was happening and I needed to clean my phone which when I took it both to XXXX and XXXX XXXX XXXX they would tell me nothing was wrong. Ive wasted days trying to resolve this with Capital One and now I am aware that the fraudster accessed my social security number and other account information which Capital One fails to take responsibility for.
Product: Student loan

I have been trying to reach Credit Adjustments Inc. by telephone for days. I dial the number and get a recording that says all representatives are busy handling other calls, please hold for the next available representative. After being on hold for 5 minutes, it goes to a busy signal or voicemail. I have left messages, and they won't return my call. I have called every 5 minutes, for hours at a time. Somehow, they know who is calling and are ignoring me ; and, are just waiting for my Social Security to be garnished in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX *** Balance Owed : {$0.00}