23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have three student loans through Navient. I was told that by placing my loans on auto pay so that the company takes my payment right from my bank account, I would get a 0.5 % deduction on my interest rate for all of my loans. I have been paying regularly in that manner and they have not been crediting me the 0.5 % deduction I should have been getting. Therefore, I am paying more in interest each month, leaving less going to my principle balance. When I called to try to ask why this was happening, the customer service representative gave me wrong information again stating that two of my loans were getting the deducted rate but the third was not despite it also being on auto pay. The interest rates that he quoted my two loans that were supposedly getting the discount are different rates than what shows on my statement sent to me by mail every month.
Product: Mortgage

I was quoted a 6.28 % interest rate XX/XX/XXXX. I became under contract XX/XX/XXXX. I was never locked into an interest rate when I became under contract. When I called the loan officer to know what my monthly payment would be ( considering a grant from the bank and seller credit ) I was locked in XX/XX/XXXX at 6.875 %. I questioned the higher interest rate. The loan officer told me I become locked in when I am under contract. I was not given the rate at the time I became under contract. I spoke with the manager who refused to give me the interest rate I was entitled to. The loan officer never asked me to be locked in after I became under contract until I called and asked for the update on my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX Consumer Adjustment Co inc. aka CACi, responded to my complaint against their criminal fraudulent practices which has resulted in negative impact to my credit reports by falsely claiming that they had requested the credit bureaus to remove the Odious Debt Collection from my credit report with the caveat that it may take up to 30 days. This is a bold lie on their part, as the odious debt collection was initially removed less than 2 weeks ago only to again be added back to my credit report this week by CACi. Furthermore, CACi, sent my an encrypted email with specious documentation which they submitted as legal validation of the odious debt collection. The documents submitted provided absolutely no substantiation that I was legally obligated to pay the alleged debt or that the debt in question was ever even mine. The " validation documentation '' submitted by CACi, was no more than a series of meaningless images of various medical affiliations and an invoice billing me for the amount they alone claim I owe with a statement that as a result of their own investigation they have determined that the amount they claim against me is valid. In short, the documents were completely meaningless, providing no legal validation as demanded by me of the odious debt collection CACi has fraudulently placed on my credit reports!
Product: Credit card or prepaid card

My American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. 

However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. 

Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office.

Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. 

I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3.. XXXX  Account Number : XXXX 4.. XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I signed a car loan with Ally Financial XXXX 2015. My car notes are just way too high. It appears that they charge high interest rates to minorities. I just can not afford this car. I do n't know why or how they approved me for a {$670.00} car note. Its almost like they purposely want me to fail this loan agreement. The company is very " bully like '' with their collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by US Bank that all of the late payments on my loan with US Bank would be removed from all XXXX major Credit bureaus, XXXX, XXXX, XXXX. I have yet to see the Credit information be updated on all XXXX reports. I was told this information would be updated within 60 days of the information being reported to each major credit bureau. I am requesting that US Bank honor what the company Customer care team informed me of so that this negative information can be removed off my credit report. 

Thank yoiu, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection agency is reporting a collections account for an account that was paid in full. There was a previous collection agency which tried to report the same account as collections. I submitted documentation proving the account was paid in full. The negative information was removed from my account. A new collection agency is now claiming the same debt as collection. I have disputed with Experian, and they are telling me the debt is valid, but I paid the debt over a year ago, and this collection agency 's claim is less than 6 months old.
Product: Checking or savings account

I had the following reward offer : __ Get a XXXX bonus of up to {$400.00} when you open an account and hit {$5000.00} in direct deposits within 25 days after your first one. Thats {$100.00} more than SoFis normal {$300.00} bonus! Select " Learn More '' to get started. Expires XX/XX/XXXX. Terms apply. ____ I opened the account and did a Direct Deposit of {$5000.00} immediately. After not getting the reward for a long time I contacted customer service. The problem was that my Direct Deposit was recorded as a regular Deposit. Although the title of the transaction said Deposit, the text of the description says ACH Deposit. My bank records show that it was sent via ACH. ____ First they said they would put in a ticket to fix it. Next time they said send another Direct Deposit so they can compare, which I did. And on and on. I even contacted the CEO but he only sent a form letter thanking me for sharing my experience. ____ What's so egregious is that there is an Arbitration clause. The cost for me to go to Arbitration is more than the reward! Sofi knows that so they feel that they can neglect their responsibilities. This was a contract and they breached it. ____ Particulars.__ On XX/XX/XXXX I opened the account. On XX/XX/XXXX I sent a Direct Deposit of {$5000.00}. This should have completed my requirements. They recorded it as a Deposit type. On XX/XX/XXXX, per the representative 's instructions I sent a {$5.00} Direct Deposit. You can see that, other than the title Deposit vs Direct Deposit, they appear identical. You can see My employer 's XXXX account activity shows it was a ACH.
Product: Debt collection

I previously paid off this collection for an old rental payment of {$1200.00}. Once I spoke with the collections agency and it was paid, I requested the collections to remove delinquency from my credit report and the representative told me that they could not remove it. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Credit Account XXXX XXXX and XXXX XXXX XXXX # XXXX has 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 a ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting

I have called and faxed Experian stating they are not reporting my mortgage and XXXX XXXX XXXX credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX trade lines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these trade lines. I attached my credit report and my XXXX XXXX XXXX 2016 interest statement as proof. 

1 ) XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXX/XX/XXXX Account Number : XXXX Balance : {$0.00} Reason : I am disputing the reported late or missed payments on this account, as I believe they may be inaccurate. I request a full validation of this information, including detailed statements and records of all payments made and missed since the account was opened. If the creditor can not provide accurate and verifiable proof of these late payments, I ask that they be removed from my credit report immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Reason : I am disputing an account from XX/XX/XXXX ( Account # XXXX ) on my credit report. I have no knowledge of this account, have never done business with this company, and the listed address is not mine. I request its removal unless fully verified with proper documentation. 

INQUIRIES TRANSUNION : XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX The items in question appear to be inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. To support my claim, I have attached documentation and screenshots of my credit report showing the discrepancies. Please investigate this matter promptly and update my credit report to reflect the accurate information.
Product: Credit card

Today XXXX XXXX XXXX I attempted to purchase gas with my Conoco card and was told that the purchase was denied. When I arrived and called customer service, I was told that my account was closed. There was no notice of this closure. There is no reason for this closure. Living in XXXX XXXX as a XXXX citizen the closure of my card creates difficulties. 

My account has never been late in payments and in fact, I have had a XXXX payment due for my account for sometime. I do n't drive much and pay of the total balance each time a purchase is made, In fact, often before the payment due date. 

The customer service representative said that a letter would arrive and was sent on the XXXX of this month -- did he mean XXXX  Because today is the second. To date, no letter was received. 

The representative said that the reason was based on too many credit cards : I have less than average and none of these have been late in payments. 

There was not justification to close my account and as far as I can assess the action was discriminatory. And i believe that if a review of this company 's closure of accounts is made, I feel sure that there are many others who have received account closures with out justification. it may be evident that their is a higher percentage of closure with out justification for women and also people that are XXXX XXXX in ethnicity. An investigation will be able to assess this. 
Nevertheless, my account should not have been closed..
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Balance : {$910.00XXXX XXXX XXXX XXXXriginal Creditor : AK XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX : {$910.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account numberXXXX Balance XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Account number : XXXX XXXX : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account numberXXXX
Product: Mortgage

I was laid off in XXXX of XXXX. I called Wells Fargo right away and told them what happened. They told me they could n't help me until I was severely delinquent. I applies for XXXX job a day. It took several months to regain employment. I was out of cash and living off of my credit cards. Wells fargo offered a loan modification. I was told during a " recorded call '' that This " would n't '' impact my credit score and that the modified portion of payment difference would be added onto the end of my loan when I got back to work. 
I was having the payments deducted from my checking account for a year. Wells fargo reported to the credit bureaus that I was n't making " any '' payment. I have proof of the checking account deductions. At the end of one year, I re-applied for a loan modification and was told I needed to file my taxes and re-apply. Each time I reached out to the loan specialists it would take XXXX14 day to hear back from him. This is a time sensitivesituation. 
One week later I filed my taxes and made XXXX attempts to reach my loan specialist. I left long detailed messages each time. My cell phone bill shows the calls and duration of each. The loan specialists never called back but continued to send letters offering his help. He would not call me back. I received a letter stating the foreclosure process has started. Wells fargo lied about the terms and conditions of the loan modification process. I asked so many questioned that the loan specialist had to keep putting my on hold to ask his supervisor the answer. These calls are recorded. I do n't see why I have to be subjected to proving my case when the recordings have all the proof. I asked to make a payment arrangement and spread out XXXX of my back payments and I could give them XXXX in cash. The loan modification ended in XXXX XXXX. I called to ask what the next steps were and was given the run around about what to do next. I was told just wait. We will send you a packet. 3 wks later a packet arrived with a deadline in 7 days of receiving it. It was dated 3 weeks prior to my receiving it. They would n't accept a paymnet in XXXX when I called to inquire about my payments. I was told underwriting is working on it. I know it is important to have the documents correct but they picked apart every thing from the size and direction of the faxed documents to oh we lost it, Can you resend it. They even sent my a refund of almost {$600.00}. SAYING THESE FUNDS WERE N'T APPLIED CORRECTLY PRIOR TO THE FORCLOSURE PROCESS STARTING. They refused any payment via phone unless it was the total amount due. 
I can not believe lenders are n't more closely regulated to prevent these misrepresentations of the facts and processes supposedly mandated by law. 
This is theft. Wells Fargo is stealing my home that I worked hard to maintain and for 8 years was never late once until the lay off. Unbelievable.
Product: Debt collection

My identity was hacked on XX/XX/XXXX. I was able to contain and correct all activities I was aware of in about 10 days. On XX/XX/XXXX, I began receiving texts, phone calls, and emails from a company called Uplift, claiming that my " payment '' was late. I called the company XXXX times and told them I had never done any business with them. I uploaded proof of my identity and address as proof of who I am. They continue to harass me with frequent demands for payment of a past due debt. They have not informed me of any of the details of the supposed debt. I had never heard of this company before. Furthermore, they seem to change their name ever few weeks. First it was " Uplift, '' then " Upgrade, '' and now " XXXX XXXX. '' Before anyone would even talk to me on the phone, they cajoled me into giving them information that I now believe they may be using to defraud me. They claimed that they could not " find my file '' unless I provided my COMPLETE Social Security Number and full date of birth. I now feel that I have been fooled into giving this information to bad actors.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than two years, I have submitted documentation several times to Exuifax with information that substantially proves XXXX XXXX XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX  XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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