23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am writing to file a grievance against Lending Club. Over the past three years I have take out three loans with LendingClub, of which two are satisfied and one is current with 23 payment remaining. I applied for a smaller loan several months ago. After sending Lending Club copies of my social security card, drivers license and passport, LendingClub found out that the wrong social security number was being pulled up in their system for my application after applying multiple times, Lending Club indicated that there is a a person who shares the last 4 of my social Security Number, first and last name. ( Lending Club divulged this person 's SSN to me seemingly without a care in the world. ) When I put in an application to consolidate my current loan, I asked Lending Club to notate everywhere possible that my social security number could be mistaken for the other person and they assured me it would not happen again. On their recorded line I have stated my full social security number and when they ran the last 4 digits, the wrong person kept being attached to my applications and was never fixed on the old or current loan. 

SERIES OF EVENTS -XX/XX/2020 - I was informed by Lending Club that the wrong social security number was applied to not only my current loan but past loans as well, under the other person 's Social Security Number. I was promised I would have updates via call backs and emails which never transpired. Since that promise I have had to reach out and explain my situation to get a supervisor or manager on the phone which they would admit to having no resolutions or plan of action to fix the social security problem on my current and past loans.

-Shortly after, I contacted XX/XX/XXXXwho verified that Lending Club had not done any soft or hard inquiries on my credit report for past or present loans.

-XX/XX/2020 - I was connected with the Fraud Department of Lending Club who advised me that there was nothing they could do on their power to solve this issue.

-XX/XX/2020 - I was connected with XX/XX/XXXX( Supervisor ) who escalated to Manager, XXXX XXXX Last conversation with XXXX was where I made it clear if there was no plan of action soon that I would be filing a complaint with CFPB. 

-I have called LendingClub seven times since XX/XX/2020 to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX 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 Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect addresses, names, Social Security numbers, telephone numbers, employers
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/XXXX XX/XX/2018. Mortgage Vankeef Financial LLC. XXXX XXXX. 
We have requested that Vankeef Financial reimburse our appraisal fee, which they authorized. We had questioned them about paying an appraisal fee twice. The first time they assured us that the loan was approved and need to move forward with appraisal. It was not approved. They claim they needed more employment history from spouse.Who has been working for the Dept. Of DOE for approximately 6 years. They stalled our loan process and requested to order another appraisal. I informed them to make sure the loan was indeed secured. He assured again. I then asked him again ( Rep ) to make sure it was approved. They said it was. We ordered it and paid over {$700.00}. They appraisal value came at more than what Vankeef Finaincial anticipated. Good right? Wrong. They said that they could not confirm spouses employment and that the HR was not returning their calls. 

We told them, we initially we provided them with spouse XXXX, check stubs and tax returns. Why is that not confirmation enough to get the Loan? When another ( prior ) Mortgage Co approved our application, but had a higher interest and closing cost rate. 

We asked Vankeef Financial for full reimbursement of our Appraisal fee, because they ordered it, but was denied and said '' Because the appraisal fee ( they ordered us to pay ) was paid to the Appraisal Company, unfortunately we can not reimburse your appraisal '' ... ... .. We have filed complaints with various agencies and the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a credit line with Equifax regarding an incorrect account balance. " XXXX XXXX - XXXX XXXX  '' showed an outdated balance of {$1300.00}. After the investigation, the account updated to the correct balance of {$120.00}. The account no longer figures into my aggregate revolving credit balance nor the aggregate credit utilization for FICO scores. Specifically, despite having a {$120.00} balance against {$19000.00} aggregate limit, my aggregate balance is XXXX  and my credit utilization is XXXX. I should see {$120.00} aggregate balance and 1 % aggregate credit utilization. Its as if the account is being ignored.
Product: Student loan

I graduated in XX/XX/XXXX from XXXX. XXXX had my loans. I requested in XX/XX/XXXX that my loan repayment plan be XXXX. I also wanted to enroll in XXXX. XXXX never changed my standard payment plan to XXXX. Now FedLoan Servicing has my loan for XXXX and state that I owe a payment on the standard payment plan. I should be on the XXXX plan. My interest is accruing everyday Since XX/XX/XXXX. I can not afford to pay {$2100.00} a month, I should be paying closer to {$320.00} a month.
Product: Credit card or prepaid card

Upon opening the credit card through Amazon Prime and Chase Bank, they said that no payments were due for 6 months. A late payment then showed up on my credit report before the six months had run out. They refused to contact the credit reporting companies to have it removed. This happened about 1.5 years ago.

Since then, I have only used the card a single time because of the negative experience, for a purchase of {$10.00}. I paid the amount after my first bill. I have now received two subsequent bills for this amount. When I call into the company, it claims I have a XXXX balance. Chase will not confirm my XXXX balance via email. They will not give me the last name of any employee that has confirmed my XXXX balance. I continue to receive bills in the mail. This continues to go around - I get a bill for XXXX, I call in, they confirm I have a XXXX balance, and then I get another bill, this time for XXXX ( with interest ), call in, confirmed XXXX balance. The amount on the paper bill I receive now claims I am 60 day delinquent. But when I speak to them on the phone, they claim I have a XXXX balance. Because of the first issue, my credit score dropped from XXXX to below 700. I am afraid they will screw up my credit again. They won't confirm my XXXX balance via email, but keep sending me bills. 

I am going to scream!
Product: Checking or savings account

Im a Navy Federal member and while needing extra money, I use the XXXX  program. But I dont understand why Im charged overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

After being affected financially/physically by Covid-19, Credit Acceptance Corporation placed my account in a Covid protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, Credit Acceptance reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX  and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once Covid protection ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of Covid, not late and was in Covid protected status and the information reported is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my lease account with XXXX XXXX in XXXX XXXX was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on Equifax still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from Equifax, with this account on the same status. A call with XXXX XXXX was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
Product: Credit card

Capital Ine has repeatedly refused to release MY money from a credit balance refund. I had XXXX Caputal One cards and XXXX has a credit balance of {$1700.00}. I have asked close to 100 times in person, in writing, and via phone to have my money back. I have submitted my drivers license and social security card. I have had branch manager XXXX XXXX XXXX verify my identity to get my account unrestricted. I have an active credit card with Capital One and they keep giving me credit limit increases, yet they still refuse to give me my refund. I even own a checking account with Capital One. I combined my XXXX accounts into XXXX credit card account- why ca n't Capital One apply my credit balance to this card or send me a refund check. They know full good and well who I am, continue a banking relationship with me and increase credit limits for me. Why do they continue to refuse to refund MY money?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality, according to 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX 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 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

1 ) I have submitted my PSLF certification documentation as I do each year from my federal employer, the XXXX. XXXX is delaying the certification of my payment history for XXXX. It keeps saying it is still evaluating my employment. The company 's website also says it has reached a determination but its letter sent to me keep asking for more time to evaluate. I believe it is intentionally delaying certifications of XXXX forms. 

2 ) Please provide detailed statements for all loans from XX/XX/XXXX to XX/XX/XXXX and count these towards PSLF. I was employed at the XXXX XXXXnd made qualifying payments. XXXX has inaccurately marked the loans as in forbearance or deferment or no payment due. This is not true. It must correct its error and count these months towards XXXX.
Product: Mortgage

We purchased a house through PRMI ( Primary Residential Mortgage Inc. ) and moved in XX/XX/2020. We have made all mortgage payments in a timely fashion, and noticed about 4 months ago that even though taxes and insurance were paid up to date, the company was holding more than {$8000.00} in escrow. We called to ask about a refund, and were told they would send a check for the full amount. When it did not arrive, we called only to be told they had taken the check back and would re-calculate what they owed us. After nothing of the sort happened, we called and the customer service personnel told us that several notices had been sent to the relevant office regarding our inquiries but no check had been issued. However, our billed payment amount was reduced by about $ XXXX/month. Today, in XXXX, the payment we have been making still stands at the reduced amount for the third month, at {$1100.00}, and the amount held in escrow is stated as {$9900.00}. We want the excess amount over taxes and insurance to be returned to us, have asked for that repeatedly over four months, and most recently have been told that the calculation would have taken place early this week, but we've heard nothing. We are evaluating moving our mortgage to a different company, but of course there will be additional costs. At our ages, late XXXXs, we have to carefully consider the cost of any move other than a complaint. No one with any authority at PRMI has ever responded to this issue despite repeated appeals from the people in Customer Service, who have no authority to resolve it.
Product: Credit card or prepaid card

XX/XX/XXXX Re : XXXX Continuing Dispute Dear Billing Disputes : Attached is a copy of your letter of XX/XX/XXXX and its attachments which included XXXX XXXX XXXX response in my favor as well as my initial dispute letter of XX/XX/XXXX. I have signed you letter of XX/XX/XXXX and returned it with my response as I continue to dispute the charge of {$1400.00} on my XXXX XXXX statement. 
I checked in on XX/XX/XXXX and was going to leave on XX/XX/XXXX XXXX XXXX swiped my card when I checked in for a total of {$1400.00}. But I stayed an additional day and checked out on XX/XX/XXXX and gave the desk person my card and was charged for {$1600.00}. The amount of {$1600.00} is the final bill. The {$1400.00} has disappeared from the XXXX XXXX system since it was NOT the final bill which was for {$1600.00} which I have paid and have received a receipt for on the day of check out on XX/XX/XXXX as well as another receipt emailed to me on XX/XX/XXXX from the XXXX XXXX which is attached. 
{$1600.00} was the total bill for the stay with a check in date of XX/XX/XXXX and a checkout date of XX/XX/XXXX. 
I called XXXX XXXX, Front Office Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX on Saturday, XX/XX/XXXX. XXXX XXXX, Front Office Manager, explained the final bill and the only bill owed was for {$1600.00} and has been paid. XXXX XXXX said my dispute is with AT & T Universal Card ( owned now by Citi Cards ) which has NOT corrected the credit card statement. 
Please re-read XXXX XXXX, Front Office Manager, letter, faxed XX/XX/XXXX to AT & T Universal Card ( owned now by Citi Cards ) see Citi pages 3-10 and remove the charge of {$1400.00} from my credit card bill. 
I am sending a copy of all this correspondence to the Consumer Financial Protection Bureau as my complaint.
Product: Debt or credit management

Midland management company. I didn't know .l gave car 4 to 5 years ago. I couldn't pay for it had XXXX XXXX on XXXX. Now they took my money and l didn't know till l went to buy some food and find out they took my money out the bank.
Product: Checking or savings account

I request Bank of America to lift the suspension on the XXXX account. 

I gave the check from Bank of America amounting to {$8000.00} to my friend on XX/XX/2023. 
The {$8000.00} was transferred normally, but the Bank of America considered it a scam and suspended my friend 's XXXX account. 
{$8000.00} has gone out of my account, and {$8000.00} is currently in my friend 's bank account, but my friend 's XXXX account is disabled and can not be used. 

My friend contacted XXXX and Bank of America several times. He was told that XXXXXXXX XXXX can not unfreeze the account unless Bank of America call XXXX to release this matter. 

I asked why the Bank of America suspended my friends account, and it was because the transaction was deemed fraudulent. I got a text message from Bank of America regarding this transaction. I was in XXXX XXXX at that moment and roaming the phone. 
The bank considered it a scam and suspended my friend 's account. 
I went to the Bank of America and told them it was a normal transaction, but my friend 's account is still suspended. 

I would like to inform Bank of America and XXXX that there is no issue with the transaction. Also, please enable my friend to regain access to his account.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I took out a {$750.00} loan with River Valley Loans ( aka Wahido Loans ) because I was struggling to survive as a young adult. When I initially took out the loan, I was not given terms that agreed to the absurd amount of interest they charged me ( 676.9 % ). If I was given these terms, I would not have agreed to take the loan at the time. After this, I made every single payment with no late payments. I paid this loan off on XXXX I began to wonder why my checking account has been so low, and reviewed to find out that I repaid River Valley Loans over {$4000.00} for a {$750.00} loan taken out less than a year prior.
Product: Credit card or prepaid card

Paypal refuses to refund my {$78.00} from a company called XXXX XXXX XXXX XXXX. This is a fraudulent company and PayPal is very well aware of this. This shows PayPal and this company are working together scamming people. 

Ordered XXXX XXXX hair wigs and when I received my ordered, the items were nothing I ordered. 

Filed a complaint with PayPal mentioning the company need to send me a prepaid shipping label, to return the items. The company do not want to send the prepaid shipping label only solution they provided is partial payment, that is not a option. 

XXXX XXXX XXXX, XXXX not wanting to send a prepaid shipping label is very suspicious. 

Founded out I'm not the only one that had the same problem with PayPal and this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Balance Owed : {$11.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card

American express cancelled my account and says its cause of returned checks and I do n't even have any checks I would like to request a copy of the checks that were returned and like my credit line back to normal
Product: Checking or savings account

I have starved behind chime bank taking my money and not releasing it.
Product: Mortgage

I refinanced my mortgage on XX/XX/2016 with XXXX XXXX. My original mortgageholder was PHH Mortgage. Because my real estate taxes were due XX/XX/XXXX, both companies paid my taxes, PHH paid them through the escrow they held from my monthly payments. Because the check from XXXX XXXX was received first, XXXX County cashed their check and returned the payment made by PHH Mortgage. This was confirmed by XXXX XXXX County and also by PHH when I contacted PHH Mortgage about the return of my escrow. I was told I would have to wait until it was processed. That was two months ago. I have repeatedly tried to call PHH Mortgage about the return of my escrowed monies and I am unable to reach anyone. They have collected and held my tax money since last year, and while they tried to pay it XX/XX/XXXX, since it was returned to them, this money should now be returned to me.