23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i refinanced my mortgage and the company is now refusing to cancel my PMI on the agreed upon date, which was in my federal truth in lending statement.
Product: Checking or savings account

I've tried every, possible source of a resolution between the recipient, Cash App, and my financial bank institution between out poured calls, texts, emails and re-opened disputes and all falled on deaf ears through this I'm at my wit 's end. This is my last formality of recovery of my hard earned wages. XXXX of Last year I responded to promotion of a cabin trip to XXXX XXXX  TN detailing cost, dates ( XXXX ) and Itenaries.Looking over reviews {$250.00} was initiated deposit and submitted via cash app. All through updates and group charts of excitement 2 weeks left into trip date it was announced by mitterrant and advocate of the trip that promotion was not a success outcome due to low head counts of participates trip is cancelled and refunds WILL be allocated by end of XXXX. Allowing well passed XXXX. End of XXXX I reached out, and was given refund status of lack of un services of refunds there on after via text, calls.. Upon other outreach research some individual were in receipt of refunds via promotor and others like myself are still unjustly not refunded and unjustly Not of my behalf of cancellation. Adding insult to injury filing disputes to both financial Institutes Cash app and my consumer bank submiting all communications requested and highlighted of non service rendered via promise of refund. With every denied letter is my eager to NOT give up. My money is value of my hard earnings.
Product: Credit card or prepaid card

On XX/XX/22 multiple XXXX store credit cards applications were processed in my SSN and my maiden name, which was not done by me, so it was fraudulent activity. All of the stores have been contacted and were supposed to mark the applications are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX Experian inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XXXX 120 XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/ 120 Transunion is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX   XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/ 120 120
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MS XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MS XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance : {$2000.00} ; XXXX XX/XX/XXXXXXXX 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: Credit card

1-Citi Bank who services Macy 's Credit Card continues to email me my statements without my permission and despite my contacting them numerous times to stop. 
2-Since Citi Bank has been serving my Macy 's Credit Card, they do not follow the agreed upon terms of 30 days revolving and the dates fluctuate from 28-34 days by doing this my payenents are n't applied correctly resulting in late fees ; Citi Bank also accepts the payment on time online then purposely drop the payment resulting in late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Yesterday I opened a piece of mail from American Express ( already a couple of days old ) and it was a letter stating that my application was being processed. I never applied for an American Express card so I called the fraud department and spoke with XXXX. They froze the application. The email on the application was not mine but instead was XXXX. I filed credit freezes with 5 major credit reporting companies and also filed an initial fraud alert. I looked at my credit report and it shows recent ( XXXX/XXXX/23 and XX/XX//23 ) inquiries using my phone number but an incorrect address of XXXX XXXX XXXX XXXX XXXX, WI XXXX. Aside from American Express, there were also non-commercial offer inquiries made by XXXX XXXX and XXXX. I contacted both and verified that there were no open accounts or open applications. 

I suspect that my information may have been leaked through accessing my account on SAM.gov. I received an email from them about a week ago indicating that someone had updated my profile posing as an employee with an email of XXXX. I logged in and checked my account and found no abnormalities, but it does contain sensitive information such as addresses, phone numbers, and SSN/EIN. I had two-factor authentication in place but I changed my logon credentials immediately anyway. On their website they had a message about an erroneous alert to multiple administrators regarding account updates. Still, it's odd to provide a XXXX email address in the email alert. I now plan to contact the Federal Service Desk to see if they can give me more details on what was accessed or changed in the account.
Product: Debt collection

On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 

1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 

2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. 

The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. 

A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 

3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 

4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 

5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. 

This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX  XXXX XXXX {$1100.00} I have enclosed a copy of the XXXX  XXXX XXXX Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are all reporting information that is either not allowed by law or is harming me commercially without justification. 

- Charge offs are considered income and should not be on my credit report.

IRS Code - Under 26 U.S.C. 61 ( a ) ( 12 ), the Internal Revenue Code ( IRC ) specifies that income includes " income from the discharge of indebtedness. '' - My reports contain transaction data and expereinces between the consumer and person making the report. This is expressly excluded from comsumer credit reports per : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Each credit reporting company lists 10 or more unmailable addresses. Only my current address is mailable. 

- There are dozens of names msot of which are not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information being reported on my consumer reports is Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX Addresses Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Please update using the following information listed below and mail updated reports to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Correct Information : Name : XXXX XXXXXXXX XXXX
Product: Debt collection

An account that gets paid on time every month, was missed this past month and a late payment was submitted. The payment has not posted yet, but we get at least 8 calls a day, some consecutively. When we answer the phone, no one says anything. I was only able to find out who it was by sitting on the phone for a good 5 minutes for someone to answer. Even after telling them, a payment was made, we keep getting multiple calls every day, even on XXXX. It 's becoming borderline harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on my experian account several times and they just keep coming back verified or meeting the requirements of the fcra which seems like a automated response being that no investigation took place. When I request for proof of verification they never send me none, also they are the only bureau still reporting this inaccurate information about me. For instance theres a collection in my account right now from convergent outsourcing, no proof or documentation that I actually owe this debt has been sent no proof of signed documents saying that I owe this debt and yet it still remains on my report, then when you try to call and speak with someone its hard to reach someone, then when you finally do they hang up in your face, theyre very rude, no helpful at all. Also I pay for the membership and its saying for my other bureaus the accounts are gone once I provide card information to on then I go to annual credit report and the accounts are still there. They need to fix this error because its very misleading.
Product: Debt collection

ARS ACCOUNT RESOLUTION is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

company is stating i owe XXXX XXXX bill, but i do not. i have no bills pastdue with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a second credit card from XXXX XXXX. Upon receiving the card I filed it away. Several months later, I received an e-mail from Experian Credit Service which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with Experian since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and XXXX websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX THE {$4600.00} Reporting on credit report fraudulent account
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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, or personal loan

The Preferred Lease with account number XXXX appears to be a charge-off account with a specific balance of {$4400.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Debt collection

XX/XX/year> LVNV FUNDING, RESURGENT CAPITAL, XXXX XXXX XXXX XXXX COMMUNICATED BY US MAIL TO ME ON BY HALF OF LVNV AFTER I REQUESTED A CEASING OF COMMUNICATION XX/XX/year> ... 15 USC 1692C ( c ) States..if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt that the consumer wishes the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt except- to advise the consumer that the debt collector further efforts are being terminated ; I did that..they violated my rights under the FDCPA CEASING COMMUNICATION SECTION C...
Product: Student loan

On XXXX XXXX XXXX I submitted the School Misconduct application sent by Navient Corporation. This application was to submit documents and paperwork that would suffice for full discharge of my private loans taken out for my education at XXXX XXXX XXXX XXXX XXXX XXXX 
Per the application, in writing, they stated that they would return correspondence in 60 days or less. 
It is now XXXX XXXX XXXXXX/XX/year> and have heard nothing. No confirmation of receipt or any sort of message asking for anything or any outcome. This is unacceptable. 
The only correspondence I have received from Navient is that they will be transferring all my loans to XXXX. 

I have submitted these similar applications to the Dept of Education which also have sent me correspondence and discharged my Federal Loans.

Navient has kept those loans in limbo. They have not moved, been discharged, but are just sitting there with no action to them either.

The private loans though are still up - and I have been paying as much as I can to keep them from defaulting or from going into forbearance which would elevate them due to interest accumulated. I have reached out to the California State Attorney General as well as the DFPI ( Department of Financial Protection and Innovation ) and filed complaints. 

I have yet to hear back from Navient.
Product: Mortgage

I have a conventional mortgage on my home, and I have never missed a payment. 
I got this mortgage with a mortgage company that unfortunately sold the mortgage account to the SunTrust Bank, merged today with BB & T and with the new name of Truist. 
I am foreseeing financial hardship in the future because of the Covid-19 crisis, and would like to get to an arrangement with Trusit in case I need help in the next 2 to 3 months with my mortgage payments.

Truist has zero customer service during this pandemic times. The only way to get help with mortgage issues is by calling the number XXXX-XXXX-XXXX, but the problem is that my domestic partner and me have been on hold for up to 3 hours in several occasions and we have never been able to reach a representative. 
We turned to the community and all other clients of Truist are experiencing the same problem, some holding for up to 5 hours in a call without ever getting an answer.

The few cases we know that got through after many hours, are extremely disappointed, since all Truist offers is a 90 days forbearance, in other words, people who chooses this option will not pay anything for 3 months, but will have to produce the mortgage payment of all 4 months on the fourth month or will face foreclosure. Is this even legal?

Since calls don't get answered, I went to a branch risking being on the street, emailed their ''customer support '' address and even wrote to them on social media ( XXXX and XXXX ). I have never received an answer. Please help investigate what is going on with Truist.
Product: Consumer Loan

Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. 

Sent email to CEO as requested on their website and was contacted by their consumer relations department. 

Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! 

Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. 

This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. 

I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. 

I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. 

Lender SoFi Financial