23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I signed a loan with XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX, that has since been transferred to Navient. During my initial repayment period, I had no issues with Navient. Since they have " updated '' their website, I do not receive e-statements ( causing me to send late payments ). For the past year I have been XXXX and on automatic deferement. When I ceased to be XXXX, I never received a statement ( paper or email ). The initial contact was from my mother ( she is a cosigner and received mail ). Shortly after I received an email saying I was deliquent. This was in XXXX XXXX. I immediately made arrangements to pay made sure all my prolfile information was updated. To date, I am still not receiving statements, but yet I get non-urgent email regarding change of payment address for the servicer. I also understand they have many consumers and can not indefinitely store previous statement/payment information, but consumers should always have access to the original promissory note they signed for an account, without having to call customer service.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.
Product: Mortgage

Approximately 1 year ago, I submitted a request for removal of PMI associated with a home loan. At that time, Shellpoint advised that we would have to pay " at least {$400.00}, '' for an appraisal to be done ; however, would not provide a maximum amount. They essentially wanted me to sign off on an appraisal that could theoretically be of an unlimited denomination. In an attempt to remedy the situation, I called the lender numerous times requesting assistance and an maximum amount of the appraisal without response. In the end, I filed a complaint with the CFPB in order to get some action from the lender. Only at that time, did they advise that the cost of the appraisal would be approximately {$590.00}. Total time elapsed over 6 months.

Several months ago, we contacted Shellpoint to move forward with the PMI removal process and was advised via email on XX/XX/2018, that we would need an appraisal and to respond to the email in order to move forward. I responded to that email as directed, but did not receive any further communication other than an email acknowledgment and several notifications ( via mail ) that " we are working on your problem. '' Since that time, we have contacted Shellpoint numerous times via email and phone to be told EVERY time that a prior agent had made an error and that we would immediately get the document which needed to be signed before moving forward with ordering the appraisal. Finally, on XX/XX/XXXX, we were told that there must be " some issue, '' and that a supervisor would call us back shortly. Again, nobody contacted us back. Today, XX/XX/XXXX, I called again and was transferred to the voicemail of a manager, who has not phoned back. 

Shellpoint 's lack of response to inquiry, or to escalation to management, is pervasive within the company. Each agent acts with confidence that they know what is wrong with the process, yet EVERY time nothing is fixed. We get letter after letter stating that " we are working on it, '' yet never get the process moved forward. This lack of response by the company has cost us well over {$1000.00} due to their lack of response. I have given Shellpoint adequate opportunity to do the right thing, but again, they have not ; thus, request that an official investigation occur to remedy this situation.
Product: Vehicle loan or lease

I am filing a formal complaint against GreenState Credit Union for multiple violations of the Truth in Lending Act ( TILA ) under U.S. Code 1638 ( a ). Despite my formal demand letter dated XX/XX/year>, the credit union has failed to address or resolve these violations. 

Details of the Violations : 1. Improper Itemization of Fees : The loan agreement fails to properly itemize prepaid finance charges such as XXXX XXXX, dealer fees, and state lien fees, violating 1638 ( a ) ( 2 ).

2. Inaccurate APR Disclosure : The disclosed APR of 6.69 % does not align with the finance charge and loan amount, indicating a potential understatement in violation of 1638 ( a ) ( 4 ).

3. Ambiguous Terms : The agreement includes a Variable Rate clause without providing the necessary disclosures required under 1638 ( a ) ( 7 ).

4. Failure to Disclose Late Fees : The contract does not clearly disclose late fees or collection costs, violating 1638 ( a ) ( 9 ). 
5. Inadequate Breakdown of Total Sale Price : The total sale price lacks transparency, failing to differentiate between vehicle cost and financing charges, in violation of 1638 ( a ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report from TransUnion. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and believe that these inquiries were conducted without my consent or authorization. 

The hard inquiries in question were conducted on the following dates : 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 I have reviewed my credit report and confirmed that these inquiries were not initiated by me nor were they authorized by me. I have not applied for any credit or loan products during this period, which leads me to believe that these inquiries were made in error or fraudulent. 

According to the FCRA, credit reporting agencies such as TransUnion are required to investigate and verify the accuracy of information reported on credit reports. Furthermore, any unauthorized inquiries that appear on a consumer 's credit report must be promptly removed upon notification by the consumer. 

In accordance with the law, I have already taken action to address these unauthorized inquiries. I have submitted written disputes to TransUnion and requested that they remove these inquiries from my credit report. However, despite my efforts, these inquiries still appear on my credit report and have negatively impacted my credit score.

I believe that these unauthorized inquiries have caused me financial harm, as they have led to a decrease in my credit score and could potentially impact my ability to obtain credit in the future. Therefore, I am requesting that the CFPB intervene on my behalf and investigate this matter further. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I signed up for the SAVE plan in fall of 2023. The federal government website clearly states The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. My student loan servicer Nelnet continues to allow my substantial amount of student loans ( Greater than {$250000.00} ) to accrue compounding interest despite being on the SAVE plan and contacting them numerous times to remedy the issue. They are trying to claim I have to wait until 20-25 years have gone by before the interest is forgiven. This is not how the SAVE plan is supposed to work. It is clearly written that the federal government should pay the remaining interest that accrues after I make my required monthly payment. I have contacted them numerous times with no help and the total amount continues to grow.
Product: Checking or savings account

Chase denied 2 disputes when they have honored disputes on my behalf in the past. XXXX XXXX XXXX XXXX XXXX scammed me out of XXXX sent through XXXX XXXX XXXX XXXX XXXX After multiple attempts to communicate and get money refund from merchant Chase said sent proof returned damaged product. First had faxed multiple times they kept saying didnt receive giving multiple fax numbers. Then received gave further run around. Deliberately refusing to honor dispute and give customers the run around this they just started doing. Date of transaction XX/XX/XXXX Inquiry XX/XX/XXXX claim number XXXX. 

XXXX XXXX XXXX scammed out of XXXX after being dishonest about their property. Decided to drive out all the dumpters were over loaded with trash lots ppl hanging out said don't move their rat roach infestedXXXX XXXX this property mgt. in Georgia they have many properties with complaints of roach rat infestation. I emailed the property mgt. and she did not respond. Chase Bank said they sent them a copy of some policy shared with me regarding refunds, not true requested on XX/XX/XXXX a copy of this policy from claims who gave me the run around on the phone for about an hour on XX/XX/XXXX. Never sent. 

Chase Bank is not not honoring disputes even after you follow through ie return property request documentation they say got from respondents and they just give you the run around finding ways not to refund you. Have done plenty business with them and this is wronng. I have been communicating with them through the app, you cant screen shot the conversations their have been multiple on this issue beginning early XX/XX/XXXX to XX/XX/XXXX the last phone discussion with claims. They find this humorus the frustration they put you through have them pull the call of XX/XX/XXXX claims for you to hear. Date transaction XX/XX/XXXX Claim number XXXX. 

They mix claim numbers, claim not to get fax, give you the run around through the app and not honor disputes after you follow through on everything they requsest. It is time comsuming and frustrating when they string you along for months. Please have them pull the corresponses from the app. I give permission. XXXX XXXX
Product: Debt collection

I was negotiating a settlement with XXXX XXXX XXXX regarding a Midland Funding account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX , who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called XXXX regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as 30 day late for the month of XXXX XXXX XXXX as well as 30 day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.
Product: Checking or savings account

Hello, I currently bank with navy federal and i have submitted a dispute on fraud on my account, someone gained access to my phone and XXXX  a payment on XX/XX/year>. They advised that they will review my dispute. They made me change my passwords to prevent further fraud. I received a response stating my dispute was denied. I thought as a consumer i would be protected under circumstances. I dont feel safe banking with them anymore if i can not depend on protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a credit card account with tractor supply back in XXXX, due to hospitalization it went to collections, and I paid it off in full. in XXXX of XXXX I wrote Citi a letter explaining my circumstances and asking them if they could remove the bad debt in good faith. 
Not only did they not remove the debt, they changed my date to the day i asked for a good faith removal to XXXX XXXX making it look like a recent bad debt. this has caused me to be denied loans and credit cards.
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable. As the alleged debt appears on my Equifax credit report, I am disputing its validity and requesting its immediate deletion for the following reasons : Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay.

Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA.

Account Name : XXXX XXXX Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness.

Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report.

Written confirmation that the debt has been removed from all records and credit reporting.

Cessation of all communication regarding this alleged debt.

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA.

Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Alliant continues to harass me with false statements and asking me to take action they have me blocked from. Now they are trying to change my email without my consent and asking me to call knowing they blocked my number. This is the reason I asked them to accommodate my XXXX with effective communication, to this date they have not engaged in any interactive good faith process but instead push me toward panic attacks. They have destroyed my credit as a form of retaliation and refused to take any payments when I tried to call.
Product: Debt collection

this company LVNV FUNDING LLC clams i have a account Seriously past due date /owed balance of $ XXXX assigned to attorney, collection agency, or credit grantor 's internal collection department and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 10 hard stops on my credit report from XXXX in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
Product: Debt collection

A debt collection company called " Dynamic Recovery Solutions '' has been harassing me non-stop daily for about 6 months now. They are calling about a debt that is years past the statue of limitation. They are trying to trick and bully me into making a payment to reset the SOL. I have asked them repeatedly to stop calling me and to take my number out of their robocalling system. They have ignored me even though I have stated the debt is not valid and I am on the do not call registry and do not give them permission to call me. 

I would like to take legal action against this company for harassing me almost daily with robocalls. I am now starting to keep a log of these daily calls to sue them. In the past they have called around 30 times so far. They call at all times of the day and night, weekends as well. They are relentless and these calls are giving me mental and physical stress. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted disputes ask you asking for investigations into automotive credit company account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. Automotive credit has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far
Product: Credit card

I initially set up automatic payments for my Bank of America credit card many years ago. However, due to " inactivity '', my automatic payment set-up was dropped, which I was not aware of, nor do I know the when it occurred. I was only aware of it when I received a notice from my credit bureau ( XXXX ) today ( XX/XX/year> ) that my credit score had dropped XXXX points because of a late payment on my Bank of America credit card. Had I known that the Bank can drop automatic payments without my notice/consent for any number of reasons, I would never have set up or relied on automatic payments in the first place. When I contacted the Bank, they told me that there's nothing that they could do. This is absolutely anti-consumer and feels like a blatant scam. Especially, considering that I have a checking account with them with more than enough money to cover the credit payment. They never even made attempts to contact me about the late payment. Also, I tried to set up automatic payments but there is no option to do so on their website as of this writing. If there is an option, it is not accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't recieved any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my credit report immediately. 

XXXX XXXX XXXX : XXXX XXXX, XXXX Credit Union XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX HARD PULL Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

I received a phone from XXXX for a debt that I is not MINES!