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

Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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: Payday loan, title loan, personal loan, or advance loan

I purchased a plane ticket and received a single confirmation number XXXX XXXX. However, a company issued XXXX loans for the same amount, each with a different loan number. They sent only one confirmation email for one loan, but charged my bank account for both loans loan numbers. 

I called several times and filed multiple disputes, but they refused to help. I had to cancel my ticket with XXXX XXXX, who refunded one loan, but the duplicate loan remained active. Despite my efforts to resolve this, including disputing the charges, the company was uncooperative and claimed my ticket might have cost more than {$360.00}, which it did not. 

During my attempts to resolve the issue, I was often put on hold, hung up on, and transferred without resolution. I finally spoke to a supervisor, XXXX XXXX, who said I wouldnt be charged further while the dispute was ongoing, but my payment for the month had already been processed. 

This entire experience has been extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theftXXXXXXXX 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

The company, XXXX, refuses to update my Transunion account correctly. XXXX of my old school loans from XX/XX/XXXX, that were both consolidated and transferred to another lender in XX/XX/XXXX, are still showing as OPEN on my credit report. These loans are from XX/XX/XXXX AND XX/XX/XXXX. I have called XXXX and Transunion, but they do nothing. It is getting reported correctly on XXXX, so, XXXX needs to call and fix it with Transunion. I have already didputed it before, and XXXX did nothing more than add a remark on my account saying payment deferred, Which is incorrect and illegal.
Product: Debt collection

Back in XX/XX/2019 I had wrote three checks to XXXX and XXXX, I have waited two months after for the telecheck service to attempt present the checks to my bank, they never did cleared my account ive provide the telecheck company everything I got told to give them showing that the check didn't attempt to clear the account. My bank don't have any record of the checks. There are try to get me to pay returned fee. I've try to dispute it they disapprove my dispute.
Product: Credit card

Throughout my business with XXXX, they have continued to charge me fraudulent fees. I have called them several times and gotten no explanation. Most recently I submitted a payment on XX/XX/XXXX for {$190.00}. The funds were withdrawn from my XXXX  checking account on XX/XX/XXXX. XXXX has confirmed there were no other withdrawal attempts made between XX/XX/XXXX and XX/XX/XXXX. I have attached my bank statement to prove this. 
XXXX is claiming a return payment fee of {$40.00}. They claim they tried to withdraw on the XXXX, but XXXX  denied them, saying insufficient funds. 
Neither of them can tell me exactly when an attempt or a denial was made that resulted in insufficient funds. 
As you can tell by the document I have submitted. I had over {$400.00} in that account on the XXXX. And still over {$200.00} on XXXX. There was no time in between where I had less than {$200.00}. That could have resulted in insufficient funds. 
I spent XXXX hours on the phone back-and-forth between the XXXX companies. I even had them talking to each other twice, but both times XXXX of them hung up. 
I'm not sure what else to say. Please contact me for more information.
Product: Mortgage

XX/XX/2015This home purchase started in XXXX 2015. The Broker is Grande Financial. The first company that was used was XXXX XXXX XXXX , XXXX ( Never received a denial letter at all ) Application date XX/XX/2015- NO GOOD FAITH OR BOOKLET GIVEN OR MAILED. At that time paid {$440.00} for the appraisal The file was switched to FHA with XXXX XXXX XXXX , XXXX . This is when he had to pay additional {$200.00} for an FHA Appraisal. The lender was concerned because of the Identity of Interest. Once it was verified that the file was not Identity of Interest, the clients were told in an email, that the underwriter does n't the fact that family is selling to family, so therefore they need to put down XXXX % - Never received a denial letter or any paperwork showing the switch to FHA ( no good faith or Truth in lending ) On XXXX XXXX, 2015 they received new paperwork for a FHA Mortgage, through XXXX XXXX XXXX XXXX No Good Faith or Booklet was given. 
Then XXXX XXXX the email states that the underwriter did n't like the relationship, so therefore they have canceled the FHA case number and said that since the previous underwriter put notes into the FHA connection, no FHA mortgage can be done now-Still no denial letter. 
On XXXX XXXX, 2015, they received a Good Faith only, not sure why. 
On XXXX XXXX, 2015 the file was switched again to a Conventional mortgage-No Good Faith, Truth in lending or Booklet was given. When we started this process our credit scores were : XXXX and XXXX. XXXX 's scores XXXX,XXXX and XXXX. Now they are below XXXX. 
Even after receiving several copies of the appraisal, the seller was asked to put in writing that the home was not a depressed property, and verify that the Bank has not taken the house. The XXXX has also asked for a copy of the seller 's credit report. The seller has moved out of town for a new job and can not sell her home in XXXX because the Brokers and Lenders are not trying to close this deal. The sellers have been staying in a Hotel paying {$100.00} a day waiting for the closing. 
I am including several emails that the Brooker has sent to the client as well as their seller.
Product: Payday loan, title loan, or personal loan

After applying for a {$10000.00} line of credit from Citi bank through XXXX XXXX with 30 years of perfect credit and a FICA score of XXXX I was denied. I believe this was based on my ethnicity given that my name is identified as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for my daughter at XXXX XXXX and Now I have unauthorized inquiries
Product: Checking or savings account

On XX/XX/24 wells fargo closed my checking account after I disputed multiple fraudulent transactions that were made by a previous roommate that stole my information and card and went on a spree of ATM withdraws with purchases that I did not approve. After going over my statements and showing them that there were XXXX transactions made in two separate county 's at the same time proving that I wasn't responsible for both since I cant be at XXXX places at the same time. I've also asked them to check the video footage of the ATM transactions to show it wasn't me but instead they closed my account and failed to refund a total of XXXX dollars that was stolen from me.
Product: Student loan

Good Day : First, my loans were originally procured through the XXXX system. I opted for a total of a {$25000.00}, which was inclusive of a private loan serviced by the University I attended. In short, I paid " in full '' my private loan through the University totalling approximately {$2500.00} However, to date, Navient has me owing a total of {$27000.00}. Any civil person would ask, " how is that even remotely possible?! '' When XXXX sold my loan to Navient, I had a balance of approximately {$19000.00} - and that 's being generous. According to the records XXXX posted about 8 months prior to the buyout, my original amount was around {$17000.00} ( maybe a tad bit more ). Fast forward to the initial day Navient wrote me about their respective turnover. Navient reported an amount upwards of {$27000.00}!! I contacted many departments from XXXX and Navient and to no avail found anybody who could provide me with my original loan information. Just POOF - gone! Finally, I was able to track down a representative from Navient who informed me that any documentation prior to the buyout was not available. Furthermore, the representative mentioned that even if I had diligent record keeping from XXXX, Navient was sold the loan for {$27000.00}. {$27000.00} was the final amount - end of story. 

I relayed to them that that was impossible, and that the total amount given was NOT even the original amount borrowed. The representative ( s ) never sympathized nor exhibited a need to even try and make a wrong a right. I continued down the journey of paying the " crooked '' Navient system ( if you ask " why '', I further explain towards the end of this complaint ). 

As time went on, my account amount never decreased. As time went on, they kept on making new rules and explanations/ '' excuses '' as to why my account amount did not decrease. Not only did in not decrease, THE AMOUNT INCREASED! 

Fast forward to my graduation. Instead of providing me with an opportunity to secure a job with the alotted, promised " deferment '' time frame ( I believe ~ 6 months ), the first thing they did was raise my payment due. I graduated in XXXX and received a notice at the end of the month regarding my new amount due, which was {$640.00}. {$640.00}!! This must be a joke, right?! 

Needless to say, I still remain with the company in hopes I receive justice from the Navient system. I was advised by many to remain with Navient and fight for what is fair. I was also advised that if I left Navient that my queries as to what I rightfully owe will be null and void. 

Please help! Your agency was brought to my attention by alternate financial aid advisors. To add insult to injury, I just checked my Navient account today. My total amount has increased, yet again. And to make matters worse, XXXX loans that are suppose to remain at a " fixed APR '' have increased. Now if that does n't warrant assistance, I do n't know what does. Please facilitate my claim! In advance, thank you for your time and any advice would be much appreciated. 

Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I filed an complaint under with CFPB # : XXXX, that claimed the credit reporting agency Equifax XXXX XXXX XXXX, was inaccurately reporting that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving account was too high, after apply for an extension of existing credit with XXXX XXXX XXXX XXXX under : XXXX XXXX, # XXXX, and was denied.XXXX in their response, asked for a more detail description of my claim. Therein, I only have applied and authorized one account under the above person, that is, XXXX XXXX XXXX XXXX. Any other accounts, should not be listed or maintained under the above mention, as such would be un-authorized. 

I challenge the accuracy, compliance and reportability of this listing. I asked them to please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under # XXXX. 
I do not consent to XXXX or any means of automated verification. I do not waive any claim or defenses.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Transunion and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the XXXX reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Transunion, XXXX nor XXXX informed me of my right to exercise the nondisclosure option.

USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law.

15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 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 XXXXXX/XX/XXXX
Product: Debt collection

After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by Performant Recovery several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with XXXX was {$4100.00}. Performant Recovery is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. Performant Recovery has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail.
As previously stated, I set up a repayment plan with Performant Recovery so my income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to XXXX, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to XXXX, but nobody knows where it went. This started with me owing XXXX  {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!
Product: Vehicle loan or lease

I am writing to formally report fraudulent and coercive actions conducted by XXXX XXXX XXXX in relation to a vehicle transaction that took place on XX/XX/XXXX, which also resulted in identity theft and an improper binding contract with a third party. Based on my understanding of U.S. law, including the Truth in Lending Act and relevant United States Codes, I believe the dealership has acted unlawfully in multiple respects.

1. Identity Misrepresentation and Unauthorized Contract : I was coerced into entering a contract with a third party under conditions that I later realized, based on U.S. Code and the Truth in Lending Act, were not in compliance with legal standards.

2. Coerced GAP Agreement : I was pressured into accepting a GAP insurance agreement. Per 15 U.S. Code 1605 ( b ) ( 1 ) ( 2 ), this misrepresentation constitutes fraud, as this agreement should have been factored into the finance charge but was instead misrepresented as a separate agreement.

3. Misrepresentation of Warranty : XXXX XXXX XXXX falsely represented an extended service contract as an extended warranty, claiming it offered protection akin to insurance. This is clear misrepresentation, constituting fraud under 15 U.S. Code 1605 ( b ) ( 1 ) ( 2 ).

4. Bait and Switch Practices : I was led to believe that, based on my credit, I was unable to purchase the XXXX XXXX I initially intended to buy. Instead, I was coerced into purchasing a XXXX XXXX XXXX, a practice known as " bait and switch, '' which is fraudulent.

5. Right to Rescind : Based on U.S. Code 1635, I understand that I am entitled to exercise my right to rescind the contract. Given the fraudulent actions and violations of federal law, I am formally invoking my right to rescind the contract and request that all necessary steps be taken to reverse this transaction.

I expect a prompt resolution to this matter and appreciate your immediate attention. Should this issue not be addressed, I reserve the right to pursue legal action.
Product: Mortgage

I have a loan with Nationstar Mortgage and my payments go through Mr Cooper. When I took out the loan for {$60000.00}, in XX/XX/XXXX, the loan was only 14 % of the total price of my home. The balance of the price of the home was paid in cash. At the time of the loan I asked to NOT have an escrow account but was told that I had to have an escrow account. In XX/XX/XXXX I called and asked to have the escrow account removed and was told that I had to have an escrow account for one year. I called back one month before the year was up in order to begin the process and was told to call back in XXXX when the year would be up. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX which would be several days after the one year. I called back on XX/XX/XXXX and was told that the one year of escrow had now been changed to 2 years. I asked for a supervisor and spoke to XXXX XXXX who told me that she would file for a waver since the 2 years was a new policy and I had been told repeatedly that my wait would only be one year. XXXX told me that she would call me back right away with an answer. However, it has been 4 days and I have recieved no calls. I have called every day trying to reach XXXX and spoken to several other people. On one phone call I was once told that the matter would be referred to her supervisor, XXXX XXXX, who would call me. However, he has not called me either. I ask for his phone number and was told that his number was unavailable. On XX/XX/XXXX I spoke to XXXX XXXX who told me that she could see in the computer data that I had been told several times that my time line was one year. She was going to try again to reach XXXX XXXX and her supervisor, XXXX XXXX.
Product: Debt collection

On XX/XX/2020 I sent a validation of debt letter to Franklin Collection Services. In response I didnt receive proper debt validation. So I am requesting this be removed from my credit report as this is a violation of hippa.