23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nevient is my lender.. I have made many attempts with income base and still being to high to a level I am unable to pay. I never get notice to renew. They factor my overtime which I am not always guaranteed. This causes me to continually place my account in forbarnces. Customer service is never any help. I want to pay back however, they are not making it easy to do so causing my interest to increase. They also are not helpful with getting me enrolled into loan forgiveness as I work for civil service.
Product: Mortgage

I started the process of completing a refinance mortgage application with Cardinal Financial Company , XXXX XXXX DBA XXXX XXXX on XX/XX/2021. From day one, the loan originator, XXXX XXXX, assured me that this was a straight forward refinance and that I will be able to close before and within 45 days. To this date I have signed 6 closing disclosures because they haven't done there job. I have provided them with everything they have asked for within a few hours usually the same date or first thing the next day. They keep extending the closing date and adding rate lock fee ( {$340.00} ) which they state is my fault and I have done nothing wrong. The statement reads " rate lock expiration date change resulting from borrower requested change or extension ''. I have asked several times for what is causing the delay since they have all my necessary paperwork and documentation and their response is that there is a lien on the property. I have told them multiple times there are no liens as this is state law for contractors to put a lien until they have completed the work. I have provided the notarized contractor affidavit of lien releases in a timely manner ( I have attached those for reference ). I'm absolutely appalled by the way I'm being treated and the deceptive practices Cardinal Financial Company , XXXX XXXX DBA XXXX XXXX follows. I'm not sure what do to do at this point because I'm getting no responses back from them when I email them. I have requested to speak with a manager but no response on this either. I also don't want to cancel this loan because the rate is great and since XXXX the market has gone up so I would have to pay higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX  This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXX XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXX XXXX XXXX  which I do not recognize.
Product: Payday loan, title loan, or personal loan

I refinanced the loan with another bank. The bank sent the check to upstart. It came back due to bank error. Turns out Upstart did not endorse the check and they have admitted to that ( I have the email ). It took 10 days to get a new check to them and now they are charging me an additional XXXX of interest and still they claim I owe them XXXX and additional interest accrues. This was their error yet and they admit to it but now they will not respond. I have also reached out to the General Counsel who said someone woould get back to me and no one has and i reached out to the CEO with no response. Unless you all can fix this and make me whole I will do something I do not want to do and take them to small claims court as well as look into a class action as I am sure this is not the first time this has happened Pretty sketch the check for XXXX was not endorsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous attempts with my homeowners insurance company ( XXXX ) and Lexis Nexis, I have been unable to secure my insurance scores and credit scores that are used to determine my auto and property insurance premiums. 

In doing research regarding my property insurance premiums, I have found that I am being charged double what comparable properties in my neighborhood are being charged. This despite my property having a lower insured value and higher deductibles. 

Both XXXX and LexisNexis blame the other organization for not being able to furnish my insurance scores. 

All factors equal, it appears that I have been overcharged ( compared to neighborhood properties of greater value ) at least {$750.00} per year over the last 3 years. 

I have spent countless hours trying to remedy this situation and am being actively blocked from receiving reports and or any derogatory information in my files that determine insurance premiums. 

Your assistance in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15.U.S.C 1681 section 2.Its also state a consumer reporting reporting agency can not Furnish a account without my written instructions.
Product: Credit card

The credit of the account was paid in full, the Credit Card Company states the card holder owes them fees and interest. The Credit Company still owes the card holder money involved in these transactions On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. The money was taken by the credit card company and was not returned. The money from the two transactions were intended to pay the monthly fees, but the credit card company took the money and billed the credit card holder late fees. The credit card company still threatens my credit with latest fees. Their response to the last complaint did not identify two late fee transactions and they refused to stop billing late monthly fees and interest on the closed account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( XXXX  ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( XXXX  ). 

Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( XXXX XXXX. XXXX ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX XXXX, CAPITAL XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  BANK XXXX, XXXX  BANK XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

I have told Convergent Outsourcing that its been fraud on my account and I never had anything to do with this company. They said its a paid balance on my account but its not gone be removed off my account. They told me to get a police report made they it can be ease since it no balance. Then they said it cant be taken off it stay on forever. I then call the credit bureau and no one is moving this off my credit so I can get a mortgage.
Product: Debt collection

I was called by my cell and home phone about an hfc account that was charged off in XX/XX/XXXX. 
Statue of limitations ran out on XX/XX/XXXX. 
No payment agreement or payments of any kind by me have been made since XX/XX/XXXX. 
When I told this man this he began to threaten me and verbally say four letter words. 
And now they 're calling again on XX/XX/XXXX at XXXX 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. XXXX : XXXX, XXXX XXXX XXXX : XXXX has violated my rights. XXXX 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 15 U.S. C 1681c. ( a ) ( 5 ) Section 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 seven years. 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. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my regards of Zelle handling disputes, particularly in light of the recent CFPB lawsuit, and the significant issues with the platform. After using Zelle for a long time in in hopes of being a likely valued customer they have built to investigate my claims adequately, I was told that we were recovering lost funds were invalid and absolutely not possible, or trackable. The CFP B 's findings not only proved that Zelle wasn't able to protect consumers information would allowed for the same companies numerous times to exploit the system leaving users vulnerable to scams and hacking
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Ally Bank regarding the sudden and unwarranted suspension of my checking account access. On XX/XX/XXXX, I deposited a check via electronic means, which subsequently led to the suspension of my account due to suspicions of fraudulent activity. 

Its crucial to note that I immediately took steps to clarify this matter. On XX/XX/XXXX, I reconnected with the third-party brokerage agent involved in cutting the check. The agent unequivocally confirmed the authenticity of the deposited check. Despite this validation, Ally Bank has persistently refused to disclose any specific suspicions or provide an estimated timeline for the ongoing investigation. 

This lack of transparency and the prolonged denial of access to my funds are causing substantial inconvenience and financial hardship. I urgently request immediate clarification on the alleged fraudulent activities and a clear, definitive timeline for the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiry and a fraudulent account found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting a collection in the amount of {$5200.00} on the XXXX XXXX original creditor XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. I have attempted numerous times to contact XXXX, as well as Transunion to verify this account. I have never been notified of any collection and was not aware there was a collection until I obtained a most recent copy of my credit report. In addition, the Social Security Number on this account is incorrect. I have attached a copy of my drivers license and SSN card for verification. I have also attached a copy of the Fraud Affidavit I filed against this account. I have contacted the bureau to have this line item removed from my credit report however, I have not been successful. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and is hindering me from purchasing a new home. Please remove this item from my credit report.
Product: Checking or savings account

A total of {$640.00} in overdraft fees on XXXX and XXXX. I noticed my account overdrafts on the XXXX of XXXX I began calling NFCU then. I was able to get the account closed but still received the charges. I'm on a fix income, this has happened more than once I still don't have all my bill money for this month. I only receive {$940.00} a month. So I honestly appreciate any assistance you may offer thank you sincerely XXXX XXXX XXXX
Product: Debt collection

Good afternoon. I used XXXX XXXX XXXX and had ezpass. XXXX greenway toll applied penalty and late fee around XXXX $ then paid by collection XXXX company. i sent them evidenceses that i have enough money in my ezpass and asked why they could not charge from my account. they did not properly answer. it should be XXXX XXXX after evidence reduced toll fee to XXXX $ and XXXX $ convinience fee. so total XXXX XXXX need your help thanks they don't respond on phone calls and takes forever when you call XXXX collection company.
Product: Debt collection

This company has multiple accounts on my credit report. I found out that this company is a credit card company but has XXXX different account numbers. I tried disputing with the company that I never opened an account with them. They said that they would investigate it and send me a letter within XXXX days. I haven't received a letter nor a call back. It has been XXXX months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX AND XXXX XXXX XXXX CREDITOR : XXXX XXXX  XXXX XXXX  ), XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a covid deferment and was approved for 12 months and was told at that time that there would not be an increase in the principal owed. I resumed payments after 7 months. My latest statement shows a penalty at {$8000.00}. I was not aware of any penalty for accepting help for covid. I was not aware that it was allowed by law. I was assured that there would not be any extra charges before I agreed to the deferment. I asked a supervisor to make sure and was told that I had correct information. My mortgage was {$160000.00} and now is {$160000.00}. 
I can't understand how this company can lie and actually steal money from victims of the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws.

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.
Product: Debt collection

This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is  XXXX   XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX from XXXX XXXX, Illinois. 

I wrote to you today to seek your help. One payment gateway company named Square in XXXX XXXX maliciously hold the payout of our shops and users when epidemic is raging, depriving us of ability to against the virus. 

The Company name : Square , Inc The Company address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, USA Contact : ( XXXX ) XXXX ; Email : XXXX Square is a payment gateway company providing money collecting service, allowing shops and users to register in their company and use their payment service. They hold and suspended my payout worth {$50000.00} since last XXXX. As far as I know, they have no right to hold the payout of shops and users without providing time framework. Even when they need time to solve the chargeback dispute case of buyers and customers, they cant hold the payout indefinitely without giving a clear time to grant these funds. 

At the beginning, they said they need 90 days to deal with potential chargeback dispute and payout will be available in 90 days, which is understandable, reasonable and necessary. However, 90 days later, they still hold my payout and failed to send email to me. I sent email to them to ask for consultation and seek help but havent received any reply. As of today, they have held my payout for half a year, which is intolerable. 

As the new coronavirus is raging in America now, I dont have money to buy daily necessities to protect myself because this collecting company in your city hold my payout worth {$50000.00} maliciously without any explanation. I really need these money to buy some food and cleaning products. I dont want me and my family to contract coronavirus, but I dont even have money to buy some soups and sanitizer. 

Please help me reach the company in your area, since I am in a very urgent situation right now. I can not protect myself and my family because this company maliciously hold my funds. 

Thank you so much for your time. 

Sincerely, XXXX XXXX
Product: Student loan

I recently graduated college in XXXX and have just about 90,000 in private student loans from Sallie Mae. I have my federal loans under control with an income drive plan and I am hoping for something similar from Sallie Mae. They want me to pay about {$1000.00} a month for the loans, which I have called numerous times to say that it is too much with the amount I make and other expenses I pay a month. Right now they are 2 weeks overdue and I have been trying to get a more realistic payment plan for about a month and a half with them. I have spoken to someone from the collections team many times and they have taken in account all of my expenses and say the lowest they can go is {$370.00} a month. This obviously is much better, but still way over what I can pay at first a month first right out of college. Between all my loans I have 3 co-signers. My nana, who recently deceased is on about 65 % of them. My aunt who is in no way financially stable is on 20 % of them and my girlfriend who makes the same amount as me and we split our bills is on the other 15 %. Sallie Mae keeps trying to reach out to her even though I said there is no way to reach her and I never planned on using any of my cosigners to pay back my loans and let them know that multiple times. I call Sallie Mae and say I want to be in good standing with you and my credit and make these payments on time so I am trying to work out a plan that I can pay you every month, just not that much. They just refuse to go below {$370.00} a month, which I can not do and want to get a payment I can afford out of college and not default on every month.