23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint against Equifax number XXXX regarding personal identification information on my consumer credit file. Equifax mailed me a letter as a stall tactic requesting proof of identity when I provided proof of identity with my previous complaint. I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax remains in violation of my federally protected consumer rights.
Product: Credit card or prepaid card

I have a XXXX prepaid account. On XXXX XXXX I attempted to withdraw {$300.00} from an atm. The money was not dispensed but the account showed the money was dispensed. I went to XXXX XXXX in XXXX KS the owner of the atm who told me they would do a count and give me the money back if there was a discrepancy. I returned in XXXX XXXX and was told the count has not begun. I returned on XXXX XXXX and told again the count had not begun but totals would be ran and I would receive a credit to my account. I did not receive any credit. I called the bank on XXXX XXXX and was told I would receive the money back from my bank after a dispute. I filed a dispute with my XXXX Prepaid account on XXXX XXXX. I called on XXXX XXXX, XXXX to ask about a provisional credit and was told I could not receive a credit until the investigation was complete. I was told Id receive an update on XXXX XXXX regarding the dispute but that even then I may still not receive any credit until 45-60 business days when the review was complete.
Product: Student loan

Navient has only offered me forbearance and never a repayment plan, deferment or loan forgiveness. After logging onto their site Navient does n't list the break down of my loans, which college it is, location, amount of the original loan prior to accrued interest and the amount of interest listed of 2.5 percent is n't accurate either. I would have never agreed to forbearance if all of the risks and high interest were explained to me. Also, Navient continuously stated to me that my income was to high to qualify for anything else other than forbearance before taxes I make XXXX and after tax XXXX. In addition, I have serious health condition that I disclosed to Navient due to my high medical debt from being hospitalized several times, this was to no concern to them they simply ignored it and kept pressing forbearance. In addition, Navient sent me a paper statement just recently when I originally asked for electronic. Lastly, I work for the XXXX and was n't informed I may qualify for loan forgiveness either partially or full.
Product: Mortgage

I have had a mortgage loan with Nationstar for about 10 years and they are now Mr. Cooper advertising that nothing has change except our name. That is not true. 

I called Mr. Cooper as I had not received my XXXX XXXX from them for my taxes ( interest on my impound account which Nationstar always paid in the amount of about {$25.00}. ) This is the first time I had not received a XXXX. 

After 10 years of getting interest on my mortgage impound account from Nationstar now Mr. Cooper tells me that they no longer have to pay interest on impound accounts and they don't have to send XXXX to customers in California. 

This company services 3 million mortgage loans and if this is true and every loan averages $ XXXX/year interest on the impound account that they don't have to pay any longer that is a XXXX XXXX dollar windfall to XXXX XXXX each year and they are false advertising to say that nothing changed except the name. Bolgna.
Product: Mortgage

In XX/XX/XXXX I submitted a refinancing application with the same lender of my mortgage - Citizen One of Citizens bank NA. 
I was offered very good terms on a disclosure agreement and I signed it and paid over {$500.00} appraisal fee. Closing date was set to XX/XX/XXXX, and they couldn't close due to conditions restrictions. I wasn't ' told what conditions were. 
I couple of days ago I was told that I was clear to close and closing date would be XX/XX/XXXX. The mortgage loan officer XXXX XXXX called and apologized saying she got my figures wrong and she explained my interest would be 0.5 % higher. I said that I need to see this in writing. Today, I was scheduled to close at XXXX XXXX  and I still didn't have any final disclosure on the fees and interest. I called her and requested the document and she send me one that not only had 0.5 % higher from what was initially offered, and rate was locked in an agreement, but also she added almost {$2000.00} in points that I didn't agree to. 
She practically unilaterally broke a signed agreement I had earlier not only with a locked rate but also with amount of points. It is unbelievable that she intended to not to provide me with a disclosure statement before the signing! 
I would like that Citizen One Home loans honor that agreement they had with me and the rate they told me was locked. 
I would provide you with all the documentation evidencing all this.
Product: Credit card or prepaid card

In XXXX I received a fraud alert from Capital One about 2 charges made to my account on the same day ( XX/XX/19 ) at a XXXX and XXXXt in XXXX, NJ for {$240.00} and {$220.00}. I immediately verified I had the card in my wallet and reported this as fraud. The charges were removed. This month I saw the charges had been re-added to my acct. Upon speaking with a rep ( ultimately 7 of them ) at Capital One, I was told that this purchase was made in person with the chip in my card and could not be duplicated. Because I had verified that I never lost my card they were unable to consider this fraud and I am responsible for the charges. I was first told I had to " request CCTV footage '' from the stores from 3 months prior. When I requested copies of the signed receipts I was then told I had to pay a fee for each and wait 44 days to receive them. I was later told that they could not guarantee there was ever a signature required. These are large amounts and I have always been asked to sign before. I am not being provided any proof of these charges but being told adamantly that I must have made them in person and there is no other option. I am very clear that I did NOT go into either of these stores, EVER and did NOT make these purchases. It is unfair that I am responsible for {$500.00} in purchases I did not authorize or make and I am being provided NO proof of purchase but must believe what Capital One is telling me, that they are confident the purchases were made in person.
Product: Credit reporting or other personal consumer reports

Within 15 days from now, I will be updating my credit reports once more. Let just repeat that per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And I also attached the files that I include in my complaint dated XX/XX/XXXX. This was my 16th complaint and a follow up notice that I need these items below REMOVED within the given 15 days timeframe. Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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
Product: Debt collection

National Business Factors has submitted a negative credit report because of these two accounts for years. I owed {$1000.00} on one account and I believe {$690.00} on another account. I began paying XXXX XXXX monthly on those accounts XX/XX/year> and they had not credited my account or changed the status of my credit report. They still show reporting to XXXX in the amount of {$1000.00} and now {$590.00}. They have credited {$100.00} dollars. I disputed with the company with proof of payment and to XXXX with proof of payment on these accounts and NBF will still not change my credit. This has cost me a lot of money from interest rates as it shows a high impact on my credit report. These are the only 2 negative reports on my credit report. This is an ongoing issue with NBF. I informed them that the parent client XXXX XXXX XXXX XXXX did not charge it right, that it should have been billed to the VA and they ignore it. I have counter sued them from previous accounts they attempted to collect on because I asked for a detailed bill on the accounts they were asking about and 2 weeks later I was served a subpoena because they were taking me to court. NBF works in bad faith. They show on their website that I have no accounts open so I can't even pay anything off on their site. And they have not sent me a bill on these accounts once.
Product: Checking or savings account

Dear Senior Director Of Operations, Attn : Chase Manhattan Bank Upon review of our checking account today we found for the sixth time to be charged a unauthorized " Disputed '' transaction from : Merchant XXXX which is Fraudulent! 
The continued amount of {$150.00}. Please block it and do not pay it. We paid several fees to have this stopped. Still awaiting the {$4500.00} refund from your accounting department. Our goal was to schedule a deposit for {$7000.00} but are concerned about this matter with { XXXX XXXX }. We do not offer merchant services through our account nor ever requested such services. 
*XXXX*
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a old charter XXXX on my credit tan should been off old banks want let me open account new even get a line of credit old i have theXXXX XXXX  XXXX  XXXX old paydays loans past 7 years
Product: Credit reporting or other personal consumer reports

I recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated.

I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX  Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, XXXX XXXX
Product: Student loan

XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. 
- On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. 
- Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. 
- Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. 
- I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. 
- It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. 
- Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.
Product: Vehicle loan or lease

I've had lots of family issues with 2 family members in the hospital and death in the family and living in an abusive situation. Plus when covid happened i fell behind and I thought I would be don't in XXXX. My car was repossessed and I originally called to set up a payment to get my car I nade the payment and than waited and nothing called and they told me that was voided and told would talk to a manager. Was back and forth between representatives and supervisors giving me different information and one supervisor lied to me about it being a director when they don't gave directors. I was trying to get another payment of paying XXXX to get my car back and nothing I was told I was denied after several days of calling with no response. Until the XXXX XXXX when I spoke to someone. I can't come up with over XXXX.
Product: Debt collection

cease and desist According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by y
ou or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of
Product: Credit reporting or other personal consumer reports

28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. XXXX, XXXX XXXX ___ ( XXXX )
Product: Debt collection

Debt collector reaged a debt that came off of my credit recently by reporting a closed account as recently opened in XX/XX/XXXX. Closed account was originally opened on XX/XX/XXXX. Account was closed & charged off. Original closed account was listed on my XXXX credit report as closed Off of my XXXX report & today it shows as recently opened in XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

Please see the E mail I wrote to the bank regarding the issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Combined Account Statements Dear XXXX XXXX I am writing to express my concern and dissatisfaction with the recent decision to combine the statements for two of my personal checking accounts. This change has caused significant inconvenience and disrupted my ability to manage and provide accurate financial records for both personal and business purposes. 

As a longtime valued customer of Bank of the west for 29 years, I have always appreciated the services. However, since it changed to BMO I ran into a lot of issues. One of them is combining the two checking accounts into a single statement that I never requested. This has created challenges, particularly when I need to provide separate statements for my personal transactions as well as my business. The merged statements do not align with my record-keeping practices and have made it difficult to comply with documentation requirements for tax purposes, audits, or any other issues I kindly request that the accounts be returned to separate statements as they were previously with Bank of the West Additionally, I would appreciate your guidance on how this issue can be promptly resolved without further inconvenience. 

I trust that BMO values its customers ' concerns and will take immediate action to address this matter. Please feel free to contact me at XXXX XXXX XXXX should you need further information or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX & XXXX XXXX XXXX
Product: Credit card or prepaid card

I ORDERED A PURSE ONXX/XX/XXXX FROM XXXX  FOR {$170.00}, THEY SUPPOSEDLY SAID IT ARRIVED ONXX/XX/XXXX AND THAT I SIGNED FOR IT, FOR ONE THING I WAS NOT HOME WHEN IT ARRIVED NOR COULD I HAVE SIGNED FOR IT, THEY WILL NOT SHOW ME PROOF, I CONTACTED CAPITAL ONE AND THEY SENT ME A FORM TO FILL OUT I DID IT ASAP AND NOT ONLY FAXED IT BUT MAILED IT, THEY THEN ASKED FOR IT AGAIN AND I SHOWED PROOF THEY RECEIVED THE FIST FAX ALREADY BUT I SENT IT IN AGAIN FAX AND MAIL, THEY THEN PRETTY QUICKLY DENIED MY DISPUTE BY SAYING I DID NOT FILL OUT THE FORM PROPERLY I CALLED AND ASKED THEM WHAT WAS WRONG AND THEY WOULD NOT TELL ME, I HAVE ALL MY COPIES AND I DID GIVE THEM ALL THE DETAILS I HAD, I WANT MY {$170.00} BACK, THIS HAS BEEN GOING ON SINCE XXXX.
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I am contacting beacuse I have found some information on my credit report which is fraudulent beacuse. Never had any attachments with the address listed below Remove personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, and requesting that the items be removed Before the CONSUMER LAWS GET INVOLVED WHICH ITS ALREADY OVER 5 BUSINESS DAYS!!!!
Product: Credit reporting

I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm.
Product: Debt collection

Discover Card that was opened in 2017 was stolen from me and there were fraudlent charges on the act. I did file a police report and sent it to Discover. They told me that the charges would be investigated and in fact they were not. They never sent me any proof that the charges were being looked into. They did however continue to harrass a XXXXyear old woman regarding the balance on the act. At some point they sent the file to an attorney and filed a law suit without ever showing any proof that the charges I was disputing were mine. 
Spoke to an attorney who has dealt with Discover before and he told me that typically I would get a package in the mail, Dispute the charges, sign the form and send it back. I was also told this by the Rep at Discover. 
This never happened. On XX/XX/XXXX, I was served documents to show up in court. I am a XXXX year old elderly woman on Social Security. How is it that these Credit Card companies can get away with no reveiw of accounts and simply state that you are accountable for charges and never show or give you proof that you made them. This is ridiculous. I have uploaded my Police report as well.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # XXXX - US DEPT ED Account # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Six months after i earned an student loan in XX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the XXXX XXXX XXXX are incomplete are in accurate. I was an XXXX XXXX  who's XXXX career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XXXX Before XXXX my whole life was stolen.
Product: Credit reporting

I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.
Product: Debt collection

I requested a description of the procedures used to verify their claim, as indicated in my letter sent XX/XX/year>, Certified mail # XXXX XXXX XXXX XXXX XXXX. I requested Validation i.e. chain of title and actual assignment of any debt instrument to their account per purchase agreement as Proof of Claim of their standing to demand repayment of a debt, to provide proof of debt ownership and validity. as well as evidence that I agreed to interest charges in any contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized hard inquiry that needs to be removed from my credit report. The inquiries to be removed are listed below and I willalso liketo add that I wasa victim of theXXXXequifax data breach. 

1.XXXX  XXXX