23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX. I have been working on this short sale with Select Portfolio Servicing since XXXX 2016. They keep telling me that a form ( XXXX ) needs to be completed. I sent them the completed XXXX form several times. Today XXXX/XXXX/16 they are saying that the form is old. I have a buyer that is living in a hotel since the XXXX this month that is threatening to cancel. The seller is XXXX military that just wants to sell.
Product: Mortgage

Guarantee Rate Mortgage was our lender that we had an impound account with. They did not pay the second installment of our taxes which caused a penalty on our impound account of {$100.00}.

The loan was sold shortly after I notified Guarantee Rate that the tax account was past due and they did nothing to make the account current, even though there was plenty of money in the impound account to make the account current. 
The loan was sold to XXXX who made two tax payment within 45 days of obtaining our loan and also paid the penalty of {$100.00} which came out of our impound account. 
I have contacted the original loan officer at Guarantee Rate, called the number on the statement for Guarantee Rate and also notified their tax department as soon as I received notification from our local tax department that the account was not current. 
XXXX told me after an hour on the phone with them, that I would have to get the penalty refund from Guarantee Rate as they were the loan owner at the time the penalty occurred and when I talk to Guarantee Rate, they say that I need to get the refund from XXXX as they are the current lender. 
I have exhausted all avenues, provided tax information to both parties and do not know what else I can do. 
Please let me know if there is anything else I can do to get our penalty refunded that we paid out of our impound account for Guarantee Rates lack of payment on our tax account in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to conduct a proper investigation and correct the items on my credit report. According to the FCRA if items are not reporting accurately across all three credit bureaus then the items must be removed from the credit report and no longer reported. 

The following errors continue to report for XXXX XXXX : Account # : 2 different account # s are being reported for XXXX  and EX and no account # for XXXX. How is this being reported accurately? 
Account Status : EX still reports account open when XXXX and XXXX report the account derogatory. How is this information accurate? 
Date of Last Activity : EX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and XXXX  reports XX/XX/XXXX. How is this account reporting accurately with 3 different dates of last activity? 
Date of last payment : EX  and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX, but according to payment history for EX the last payment reported was in XX/XX/XXXX and the last payment reported for XXXX was in XX/XX/XXXX with positive payment history from XX/XX/XXXX to XXXX.In addition there is no payment history reported for XXXX to reflect last payment or date of last activity. How is it that this account is being reported accurately? 

For Chapter 7 Bankruptcy the following errors reported : XXXX reports U.S. Bankruptcy Court without City and State, EX reports US BKPT CT GA XXXX which should not have abbreviations in the court name, XXXX reports Federal as the court name which is invalid. How is this Chapter XX/XX/XXXXBankruptcy being reported accurately with three different court names that are invalid and inaccurate? 

My personal identification, XX/XX/XXXX dispute letter and XX/XX/XXXX credit report with comments in word document has been provided. This is factual based information that has been pulled from EX, XXXX, and XXXX
Product: Student loan

Emailed Navient in request of the School Misconduct Discharge Application because I attended a predatory school and am seeking to challenge my private student loans, which were originally serviced by Navient before being transferred to XXXX. Now I'm getting an email stating Navient switched to XXXX.
Product: Student loan

I have had a student loan with XXXX XXXX ( now Navient ) for about 10 years now and recently have been reading about a lawsuit out against them. I realized this applied to me in many ways. Over the years I have called Navient explaining how it has been an issue paying their monthly charge, and they never did anything to try and solve the problem. Even when I came back to them explaining their own solutions on their website about income based repayment options and just interest payments, they claimed that was not an option for me. At one point they told me my best and only option was to go into forebearance, and being XXXX XXXX XXXX XXXX XXXX me, I did it, adding XXXX dollars to the principle of my loan. This all could have been avoided if they just took the time to understand my problem instead of finding ways to get more money out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$410.00}
Product: Checking or savings account

So I had a fraudulent charge on my cash app debit card I filed a dispute the next day per there policy I should have gotten provisional credit but I still have even though the merchant has sent me an. Email stating they have already sent the money back so there shouldn't be an issue with me getting provisional credit I've called cash app numerous times an keep getting blown off given lies as answers it's insane I can't even speak with a supervisor! An there so rude it's unbelievable
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual credit report via http : //annualcreditreport.com. 

I successfully accessed XXXX and XXXX 

Transunion presented the following error : We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I called XXXX and was told that number could not help me. 

They directed me to XXXX, who stated that the first person was incorrect and that I needed to call back. 

I called XXXX again to be told that XXXX was the correct number. 

Following their guidance, I called XXXX again and was told that the real number I was looking for was XXXX. 

That agent told me that the reason I was unable to access my account was because multiple records were attached to my social security number and to call XXXX again, as they could help me. 

I called XXXX again, and was told that there was nothing they could do and that I should call XXXX again. 

I asked to speak with a supervisor, as I had already invested close to 2 hours on the phone. I was told I 'd be placed on hold for a moment. 

After 5 minutes I was disconnected.
Product: Student loan

My monthly payment with Sallie Mae is {$1100.00} with an interest rate of 9.625 %, down from 10.75 %. My interest rate used to be 4 %. Sallie Mae refuses to lower the monthly payment even though I clearly can not pay this much because I'm behind 2 months. Sallie Mae is requiring me to ruin my credit score before they will consider helping me. I was told I have to be at least 3 months late to be considered for a reduced interest rate. I am going to be homeless within the next few months because of Sallie Mae 's predatory loan tactics. I live in the richest country in the world yet I can't afford to eat because I am a slave to student loans. On top of that, my family members are receiving several calls per day from Sallie Mae. I want them to stop harassing my family. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 


The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2022 I was contacted by a person who claimed to be XXXX XXXX, she was very convincing. after a while it al became very romantic and she wanted me to come to XXXX. I told her I don't have the money for it. She told me she would help me invest some money in crypo and real estate and so I put XXXX,- in XXXX XXXX  and this made XXXX profit and the suddenly the money completely dissapeared from the site. I invested XXXX, - in a real estate investment through XXXX and this was out of my site afterwards. I tried to withdraw money from the XXXX bank it was send to, but no result and no money. 

She told me I had to buy a XXXX XXXX XXXX to meet her and I paid XXXX,- for the card and I received all kinds of documents to get it. After a few months I watched the XXXX show XXXX and found a way to reverse phone search option, but when I tried it on the number of her on Telegram it turn out to be a scam. I told her and the one who provides the card to send me back the money but non of them did. So I want the bank and others to send me back the money. This all got me into serious financial trouble. 

I have all the email and telegram conversation in XXXX XXXX for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - I sent a certified letter disputing the account XX/XX/2019 - I received a letter from Convergent Outsourcing with a bill that they claimed I owed {$140.00}. The amount {$140.00} was not an accurate amount according to the bill they provided. 
XX/XX/2019 - Convergent Outsourcing received my letter of response stating that by providing a bill was not considered proof per FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX XX/XX/2019 - I receive another the exact same letter as before, claiming that the debt is valid but have yet to provide any proof of my signature or anything. And there is still inconsistency and inaccuracy on the amounts owed. 
They have failed to provide any proof of the debt owed besides a bill with no valid signatures or proof.
Product: Mortgage

I mailed in my mortgage payment XX/XX/2020 for initial payment to be applied XX/XX/2020 instead of XX/XX/2020. I have sent several emails requesting receipt and to acknowledge my request to apply payment XX/XX/2020. I called LendUS twice at XXXX XXXX XXXX and the response that I get is that the check has not been received and payment is not due until XX/XX/2020 ignoring my request to apply payment XX/XX/2020. I expressed my concern that the check mailed in XXXX was not received and Im expected to mail another payment for XXXX as there is no online payment process. The agent went on further to say if they receive 2 payments LendUS will apply one payment to the principal again ignoring my request for payment to be applied XX/XX/2020. 
All Im asking LendUS to do is to apply my payment sent XX/XX/2020
Product: Debt collection

Diversified Adjustments located on XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX, is trying to collect a wrongful debt for XXXX XXXX. 
I transitioned my business lines from XXXX to XXXX XXXX XXXX during a promotion in which XXXX XXXX XXXX will pay {$160.00} per line for transferring the service to them. 
It was required by XXXX XXXX XXXX a detailed breakdown of the remaining balance per line with XXXX. I did submitted my request for the information to XXXX on several occasions but they never complied denying my consumers rights. 
As a result the debt was left pending and now they are using several Collectors to collect a debt that was created purposely by their non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, XXXX, and transunion credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX  XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Product: Credit card or prepaid card

On XX/XX/2021 there was an unauthorized transaction on my credit card statement from XXXX XXXX, I informed Chase of the unauthorized transaction and they said they would do an investigation but came back a month later on XX/XX/2021 stating that the transaction was authorized, which is completely false as they did not do a proper investigation into this matter and also the merchant furnished a false and deceptive form. 

There were a total of 4 unauthorized transactions from XXXX XXXX each for 1. {$730.00} 2. {$350.00} 3. {$380.00} 4. {$760.00} All of these transactions are UNAUTHORIZED and INVALID due to the fact that the company did not provide me with any service or products to validate these charges. 
Under Federal Law 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Under Federal Law 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
Since I am the original creditor I will consider revoking the right granted to extend credit if you do not comply and conclude your investigation in accordance to Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, XXXX, Transunion and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed :XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update.XX/XX/XXXXXXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.
Product: Vehicle loan or lease

A bought a used vehicle in XX/XX/XXXX from the dealership Quality XXXX XXXX in XXXX, NM when my then current vehicle started to have mechanical problems. The loan was originally through XXXX XXXX and then was transferred to US Bank on the same date. I re-financed the vehicle through Auto Approve in XX/XX/XXXX and the new loan is now with XXXX XXXX XXXX. I received a check from US Bank for an overpayment on XX/XX/XXXX. The dealership sent two checks to US Bank, one for XXXX made out to US Bank and one made out to XXXX XXXX for XXXX to the same address. 
On XX/XX/XXXX the payoff for the vehicle was processed through US Bank and I received an additional refund check for XXXX XXXX and another check for Credit XXXX totaling XXXX. I have never received the other check for XXXX. I spoke with Auto Approve and the dealership and received copies of the two checks. I also called US Bank several times before and after I received the checks and they always state that they don't know anything about the other check. I called XXXX XXXX and was told that they are a division of US Bank. I was also told at this time that they could not speak with me because I am a customer/consumer and that someone from the bank or the dealership would have to call them. I also spoke with the dealership and was told that they are waiting on a response from the XXXX XXXX. I feel that I have been more than patient as I have been waiting since last year. I don't understand how no one seems to know anything about this check.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Equifax XXXX, its United States affiliates ( collectively, Equifax, we, us, our ) consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Equifax services or website. 
Equifax is only authorized to collect, use, sell and/or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumers personal data and financial information.Charge offs should be excluded from a consumer report AND credit file. According to the IRS a charge off is a debt that has been cancelled and to be considered as ordinary income.Your company is a powerless Elaborate mechanism this mishap that your company has caused has ruined my reputation Your Company assumed this role. You were not Given Express Permission By me, the Consumer So, not only did you FAIL in the initial investigation of this information. You also assumed this role, and assumed this information was Valid which is a Violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) You did not ensure that this information is Accurate, and you did not exercise your grave Responsibility with fairness and impartiality and never consulted with me to find out if this transaction Ever took place. As a result of this my Privacy was Breached, and this Violated my right to PRIVACY. This alleged transaction that you are reporting and FAILED to investigate, whether or not it factually took place, can be categorized as Transaction that took place between the consumer, and the person making the report, Which means it should not be included in my consumer report, and in fact is a VIOLATION of my Consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iiii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report.This is in fact another VIOLATION. Pursuant to 15 USC 181a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report.This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a CREDIT CARD. Credit Card as defined under 15 USC 1602 ( i ) Definition attached and highlighted in Exhibit B ) This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with consistently trying to get things off my credit report. They first had my Information mixed up with someone named XXXX XXXX. Which I still feel its mixed. Because they are reporting information other places but when im sending disputes to them they are telling me the information is not currently reporting on Equifax credit file but its showing up everywhere else. I need this resolved as soon as possible this is really effecting my life and making it hard for me to get a house in the already hard complicated housing market.
Product: Credit card

When American Express company advertised a XXXX credit card with XXXX bonus points a few months ago I signed up. I spend over $ XXXX on the card but the promised points never was posted. When I called the company the people on the line gave me the run around, transferring me to different departments etc..