23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23 I requested to open a savings account, I provided the branch my social security card, commercial learners permit, commercial drivers license, and standard drivers license numerous times. Furthermore they asked if I can provide additional proof of address. utility, or lease agreement, or auto insurance statement. I told the customer service agent I do not have a car, nor do I own a home, the agent then requested that I get my grandmother, the homeowner to submit her license and her utility bill on my behalf. I told the agent I refuse to submit documentation that is not my own. She transfer me to her manager, then stated penfed has been dealing with a lot of fraud and losses from bills frauds so they need to verify my address to the best of their abilities. I told the agent I will provide any documentation in my possession, but regardless of how Her much fraud penfed has been dealing with the remedy to their fraud situation is never to discriminate against innocent bystanders like myself were not homeowners or car owners, and can not provide a utility bill or insurance letter. In addition to the documents, I provided I also included my XXXX XXXX bank statement and my XXXX bill both of which are in my name, and addressed to the same address on my licenses. In addition, my commercial drivers license, which they are now in possession of is was considered a real ID, a new form of identification to travel domestically or enter government buildings yet penfed continues to give me the runaround. And I was asked to submit a copy of my grandmothers utility bill with her drivers license attached I refused if this is not remedied correctly Im going to seek legal actions against penfed for their discrimination against me.
Product: Checking or savings account

This complaint is directed at Wells Fargo XXXX XXXX, a division of Wells Fargo. On XX/XX/XXXX, the primary beneficiary of an XXXX trust died. The trust passed to her children and should have been distributed to them but has not been. Wells Fargo was aware of the death by XX/XX/XXXX. Wells Fargo received a certified death certificate on XX/XX/XXXX. On XX/XX/XXXX, the trustee created a final tax return. On XX/XX/XXXX, the trust was split among beneficiaries. By XX/XX/XXXX, all beneficiaries submitted all the forms that Wells Fargo required to distribute the trust. On XX/XX/XXXX, the trustee, Wells Fargo, acknowledged all forms were submitted and correct, and that Wells Fargo was ready to and would act to distribute the trust to the beneficiaries. On XX/XX/XXXX, the trustee, Wells Fargo, again acknowledged that Wells Fargo was ready to and would act to distribute the trust. It is XX/XX/XXXX and I have not yet received the contents of the trust. The trustee, Wells Fargo, promised on both XX/XX/XXXX and XX/XX/XXXX that I would receive the trust within a few days. That promise was last made to me more than two weeks ago.
Product: Student loan

I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled. 

Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information listed on my credit report. I have reviewed my credit file and identified that I need proof that debt belongs to me and purchase agreement as well. I believe the information is inaccurate, and I demand that you investigate and correct this matter immediately, as required by the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to maintain accurate and complete information in my credit file. Specifically, Section 1681i of the FCRA mandates that when a consumer disputes information, the credit reporting agency must investigate the claim within 30 days and provide a resolution. The inaccurate information you are reporting has caused significant harm to my credit score and financial well-being, and I will not tolerate this error continuing on my report.

I am requesting that you : Investigate the inaccurate information in accordance with FCRA guidelines, Section 1681i ( a ) ( 1 ), and correct or remove the information from my credit report.

Provide proof of the investigation and any documentation you may have that supports the accuracy of the reported information.

Notify me in writing of the results of your investigation within the legally required 30-day period.

If this matter is not resolved promptly and accurately, I will not hesitate to pursue further legal actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

You have a legal obligation under the FCRA to ensure the accuracy of the information you report, and your failure to comply with these requirements is unacceptable. I expect immediate action to be taken to correct the inaccurate information. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent in protecting private information of mine allowing hackers access to my private data including but not limited to : My social security number My home address My drivers license number
Product: Student loan

On XXXX/XXXX/2016, I received a couple of calls requesting call back from Navient ( XXXX XXXX ). My student loans are being handled by XXXX XXXX XXXX who pays Navient. My account is being drafted on a timely basis every month in order to have the student loan paid on a timely basis every month. On XXXX/XXXX/2016 I received another voice mail from Navient and I returned their call. They informed me that payment had not been done for XXXX 2016 and the amount of {$360.00} was still owed. They wanted to place my account in forbearance which means that I would be charged added interest and fees. I refused because account is being drafted on a timely basis. Most importantly, the check was sent to Navient who then applied it to the wrong account. I left email for XXXX XXXX XXXX on this matter. I contacted XXXX and Navient a number of times and they have informed me the following : XXXX XXXX reported that they were working on this matter and had spoken to Navient ( supervisors ) and were informed by these supervisors that the check that was received was applied to a wrong account. Navient agreed to back date check to XXXX/XXXX/2016. Navient continues to call me stating that they need payment and informed me that XXXX XXXX XXXX had sent the check to the wrong address. I explained to Navient what XXXX XXXX explained to me but Navient reported that their system is only showing that the check is going to be returned to XXXX. Navient continues to leave me voice mails either by a live person to return their calls immediately or by their automated system. In the time that I have had my student loans I have never had any problems with timely payments. This matter needs to be rectified as soon as possible. I am not happy with Navient and their tactics.
Product: Mortgage

Freedom mortgage has violated RESPA, due to The fact that they were still working on a Modification on my VA loan. Apparently on XXXX the XXXX at XXXX XXXX. I have complied with all request of all documents necessary to continue the modification if anything they lose paperwork paperwork doesn't get Uploaded nothing can be done by anyone you don't know who to speak to ever there's no communication as to what's going on on the loan it's always it's there being worked on what's being worked on is my question definitive answers I never get is like I'm just sit there waiting to be thrown out of my home because of their lack of communication and because of the incompetence of getting documents to the underwriter who nobody can never speak toTheir attorney place my home are in option on XX/XX/XXXX at XXXX XXXX. This is in violation Restaurant because a service or can not place my home in a pro closer status when there is still no commitment no resolution on the modification I was told to send paperwork on the XXXX and it was due in XXXX and I did I have confirmation that both those were received at freedom mortgage corporation at their loss mitigation department. 
And today I received a letter and I will attach it that they placed this in a pro closure position on to proceed with the upper closure on my property on XX/XX/XXXX. 

Freedom mortgage has never been transparent with me has never given me reasons why I was declined they will not re view any types of alternatives or have they offered me a trial payment. On my mortgage. 

From the inception of this which was in XXXX of XXXX they have been telling me that it is being modified which was not true they were not doing anything other than let me get more and more behind on this mortgage I offered them payments in XXXX of XXXX they told me not to worry that it would be placed at the end of the loan that was not true. 

I believe that freedom mortgage has been just letting my long go until I got into a position Of bean for close just like all the other people that were hurt by XXXX  XXXX XXXX and all these people lost their homes because nobody was working on a modification there was just let him slide there is no communication with freedom mortgage nobody ever knows what's going on all they ever tell you is not to worry will now I worry because now I'm getting paperwork I don't have any place to go they have not completed my modification so now what I am serious this company needs to be investigated on this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.
Product: Credit card or prepaid card

I was searching for a house to rent and I found one on XXXX market that was in my price range, XXXX the person on XXXX and gave them my phone number and said they would contact me back. They contact me through my phone and gave me information for the house I told him I was interested I wanted to put an application and pay the {$220.00} of application fees on XX/XX/XXXX. On the same date I was told we were approved for the house I needed to send a deposit to secure the house. I sent {$1200.00} through XXXX. they said they would send the keys through the mail and they were never received after two weeks of trying to get the keys in setting up meetings that they never showed up for at the property they let me know they never received the deposit. They instructed me to call my bank and check what was going on with the transaction. I called my bank and my bank let me know that the transaction was done on my side but they had not received the money into their account and I open they were dispute. After this was in informed to me Ill let them know that I would be willing to pay cash for the deposit. They instructed me to buy a {$600.00} gift card and give the rest in cash. I bought the gift cards and send receipts. On the day we were supposed to meet to receive the keys he wanted me to open the package and send in pictures of the numbers of the card which I refused. They got upset saying they would no longer meet us because I did not want to follow their instructions. Which I said I was five minutes away to just come get the cards from me and I would give them to them in their hands. They said they were going to meet us and never showed up even though it was an hour away from our home. I called today to check the balance on the card and they said they were used on XXXX and XXXX. They had a balance of XXXX XXXX on them. On the receipts there were numbers for the cards but I never sent the numbers on the card.
Product: Debt collection

The CRA 's and SIERRA CREDIT CORP -- are violating FCRA FDCP laws. are very aware of the Fair Credit Reporting Act 623, Cushman v. TransUnion, US Court of Appeals for the Third Circuit Court Case 115F3.and d 220 US Court of Appeals , Ninth Circuit , No. 00-15946, Nelson vs. Chase Manhattan And Federal Debt Collection Practices Act ( FDCPA )
Product: Checking or savings account

I have never authorized an XXXX direct debit from the a fraud merchant XXXX XXXX Vis XXXX La, but they directed debit $ 79 monthly from my Citibank XXXX checking account from XX/XX/XXXX to XXXX XXXX. I have more than XXXX accounts in different banks, travel outside the country for months, so I didn't notice until XXXX XXXX. I contacted the bank right after I found out on XX/XX/XXXX. The Citi bank XXXX department refused to refund my transactions claiming under Electronic Fund Transfer Act. I was not able to get my money back and ask me to contact the merchant, but this merchant never is a legit merchant or I have never signed/ authorized them to debit my money. 
Citibank refused to refund me XXXX, XXXX, XX/XX/XXXX debit amount. But they credited me XXXX, XXXX, XX/XX/XXXX fund? How would that make sense??? The timing of those transactions that they refused was newer that those the bank credited me back. 

As a XXXX client, they are not providing very disappointing customer service. 
I would like to have my refund back,
Product: Vehicle loan or lease

I read about the class action lawsuit with Santander. It stated my attorney General for the state of Arkansas has sued them for unfair practices for predatory lending. The maximum allowed interest rate in the state of Arkansas is 17 percent. my loan rate is currently at 24.10 % I called and left a message with the Attorney General 's office. I then called Santander to speak with them regarding the loan and the interest and how I was never sent any notification, as I was qualified for either restitution or loan forgiveness according to the website that was managing the class action lawsuit or at least that what was my understanding, so I was calling to clarify the information. I'm not a lawyer so I figured they would have to tell me accurate information about my rights. They refused to speak to me regarding it and said I had to speak to the Attorney 's general office and said all settlements have already been reached. I don't know what else to do from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Sense XXXX last year I'm doing automatic payments on this two accounts, trying to fix my credit score but first still showing up on my credit history and second balance never change my I wound like to just disappear from my record cause it's been getting taking care off I spoke to my creditor but still the same info not helping my score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX is STILL in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately. 

XXXX has already removed this account off my credit report which makes TRANSUNION and XXXX in violation of the FCRA still reporting this inaccurately Account on my Credit Report
Product: Mortgage

Today XX/XX/XXXX at XXXX Am I was on the phone with a hud rep and XXXX customer service she didnt know anything un willing what ever the hud asked about mortgage kelp she didnt know she kept put us on hold to go research These are the kind of people work at XXXX  and handle their customer The hud reps told her 6 times that we have a sale date on XX/XX/XXXX and we dont have much time She wouldnt even respond we had to drag the word out of her mouth XXXX is a crock They refuse to help The just want to take my home Customer rep said even if I pay and bring the account current They will still foreclosure my home regardless I wanted to dump these crocks I was in a middle of finance With what they done to me they forced me to stick with them Shame on government For allowing these thiefs to operate and still cheat and take peoples home fraudulently I am a military parents my son is in the XXXX XXXX My husband is a disable And there is no help On XXXX XXXX Thief SLS will set to foreclose my home And I will be living in the street
Product: Credit card or prepaid card

I have a rewards check I can't cash since it past the time limit giving to cash check {$83.00} given on XX/XX/XXXX # XXXX And also never got a tax paper for I can do my taxes on this account which was paid off in the end of XXXX of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years since 1990s and Present Equifax has put many negatives and collections on my credit report and I have filed many Federal complaints and Equifax ignore in deleting the negative collections and negative marks on my Equifax Credit report. 

Equifax allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
Equifax even had a Data Bleach issues and was sued by Law Firms in XXXX XXXX with a {$1.00} Billion Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Claim XXXX # XXXX Refuses to send my check by US Postal Mail XXXX XXXX, or XXXX XXXXXXXX XXXX  or XXXX Mail XXXX as respectfully requested. 
Email : XXXX I am Respectfully XXXX Life and XXXX and a XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

XXXX I requested assistance with my mortgage to be modified. I was referred to NSP Residential LLC ( BlueHub Capital ) at XXXX XXXX XXXX XXXX XXXX XXXX. I trusted that this company was to assist me, and instead i feel i was taking advantage of considering i did not know XXXX. This company is showing documents that " supposedly '' I and my husband at the time signed a " XXXX XXXX XXXX XXXX '' I do not recall signing and the signature is not mine or my ex-husband, basically giving ownership for part of the equity of my house. I tried to refinance my house in XX/XX/2024, to complete updates. I was then informed by NSP that because my house is worth XXXX I had to give them XXXX which is the XXXX XXXX  of shared equity. I never agreed to that. I then researched and found that this company has done this to many home owners like me please review public record Civil action XXXX  XXXX against now known as Blue HUB Capital . formerly known as NSP Residential LLC and other names. A lot of them tried to refinance and or sell during XXXX times to take advantage of better rates and or equity that they really never had because it was taken from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report older than 12 years and I have continually disputed these accounts and asked for the remove but never granted.
Product: Credit reporting or other personal consumer reports

Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.