23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am contacting you today to request a gesture of goodwill. I have several loans with Fedloan. I am currently on an income based repayment plan that does not require me to make a payment. I would like to actually repay my student debt. My education has served me well and because of it I have been presented with an opportunity to purchase an existing and successful franchise. However, the late payments on my student loan account are preventing me from obtaining an approval for the business loan I need to acquire the franchise. 

The late payments reflecting on my account are actually due to miscommunication on both ends. There were periods of time where I requested a deferment or forbearance due to my financial hardships but my requests were not initially honored ( Apparently due to a mistake made by the customer service representative ). In XXXX or XXXX of XXXX my family was struggling to make ends meet and were on public assistance. I communicated this to a representative at the time and they informed me they would request a deferment of my payments for 1 year. I thought my account was squared away and did not check my monthly statements, for a while. 

In the XXXX I received a notification via email that my loan was on the verge of defaulting which prompted me to call. It was then that I was informed that the deferment I requested had not been implemented. The representative was very polite and helped me resolve the issue through backdating the forbearance and deferment request. It was my understanding I would not need another deferment for at least 12 months if my financial situation did not improve. This was not the case and lead to additional late payments on my accounts. 

I take complete responsibility for not following-up and ensuring the initial deferment was implemented and for not understanding that I needed to make another deferment request, however ; I would really like to be in a position to repay my loans in full. The franchise I seek to acquire will allow me to repay all of my student debt within a matter of 36 months. I understand Fedloan is obliged to report payment history accurately. I ask that either Fedloan stop reporting the late information and make it " unavailable '' or better yet update my payment history to reflect the loans were in forbearance/deferment for the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX and XXXX of XXXX and mark them as paid as agreed. Doing so will allow me to improve my financial position and repay my loans in full.
Product: Credit card or prepaid card

On XX/XX/2019 Capital One Bank mailed me a denial letter to inform me that my credit card application request can not be reviewed at this time because : based on the application information, income is insufficient for requested credit. 
Application ID : XXXX NOTE : I did not apply with this or any other bank in attempt to obtain any credit accounts whatsoever.
Product: Mortgage

Dear CFPB officers, I am writing to formally submit a complaint against Better Mortgage ( Better ) concerning the loan ID : that I closed with Better last month. 

I opted for a real estate agent from XXXX XXXX XXXX XXXX XXXX ) based on XXXX 's enticing offer, promising the customer/buyer a {$2000.00} closing credit, as prominently advertised on XXXX 's website ( please refer to Exhibit 1 ). However, at the very conclusion of the closing process, Better denied me the {$2000.00} lender credit for the reasons that violated the Betters and BREs terms of service. 
The transaction complied with XXXX 's terms for receiving the {$2000.00} lender credit. 

a. I hired an agent from XXXX and I received the closing confirmation email from XXXX. See exhibit 2. 

b. The case manager, CN, affirmed that agents earning a commission exceeding 1.75 % ( as shown in Exhibit 3 ) would qualify for the full rebate. Records indicate that my agent received a commission of 2.5 % of the total transaction, well surpassing the required threshold. 

2. Better denied this {$2000.00} credit for the reasons that violates the terms of service. 

a. M ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX at Better Mortgage ) and E ( Home Advisor at Better Mortgage ) contended that I had received the Better Price Guarantee, which they considered a promotion incompatible with any other offers. However, in accordance with XXXX 's terms, the {$2000.00} credit formed part of the agent 's rebate, and it was not obligatory to use Better Mortgage to qualify for this rebate ( as depicted in Exhibit 4 ). This clearly indicates that the {$2000.00} rebate is not an integral part of Better Mortgage 's services. Per XXXX XXXX and XXXX XXXX claims, I could receive the {$2000.00} rebate even if I had chosen other lenders. Thus, it is unjustified for Better Mortgage to deny me the rebate when I selected them as my lender. 

b. When I raised the XXXX terms with XXXX XXXX to question why I lost the {$2000.00} credit while simultaneously using Better Mortgage as my lender and XXXX as my agent, he mentioned that the XXXX XXXX team had confirmed that this transaction yielded no profit margin for me to receive the {$2000.00} rebate, and they retained my rebate as part of their revenue ( as shown in Exhibit 4 ). 

3. After receiving a phone call from CN ( XXXX case manager ) confirming my qualification for the {$2000.00} rebate, I expressed my dissatisfaction at not receiving the credit. She assured me that she would consult her supervisor and call me back, but regrettably, I never received her follow-up call ( refer to Exhibit 5 for phone conversation transcripts ). 
In summary, Better Mortgage failed to credit me with the {$2000.00} rebate promised by XXXX XXXX XXXX, which was an integral part of the transaction 's commission structure. This commission was earned through the agent I selected via XXXX XXXX XXXX and was not related to any service or promotion offered by the lender. I firmly believe that Better Mortgage violated the terms of service and wrongfully withheld the money that rightfully belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have my right to privacy 15 U.S.C 1681 section 604 A sectition 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts
Product: Debt collection

I paid in full 2 medical debts for First Federal Credit Control in XXXX of 2016. Proof of payment is available. I was assured the debt would be closed and removed from my credit bureau. The accounts were not closed, and after contacting the debt collector they stated they were having communication issues with XXXX. I have attempted to call numerous times to resolve this with no help. I now have two more debts with this company that I was unaware of, one for {$38.00} and one for {$120.00}. Which I want to pay but I will not pay another debt with them until they resolve the first issue which is still impacting my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed I have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 
The List accounts below : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax
Product: Credit card or prepaid card

I had opened a secured credit card in XX/XX/XXXX and I decided to close the account and paid the balance in full {$190.00} in XX/XX/XXXX. After that I disputed the debt because the unpaid balance of {$18000.00} appear in my Credit Reports. I tried to validate the debt two times and they were not providing the details. I dont recognize the purchase transaction that happens in XX/XX/XXXX, and other unexplained transactions that appears after that. 

Also, I want to mention that after the account was satisfied they started to accumulate late fees until XX/XX/XXXX that results in the balance of {$18000.00}. 

I initiated an investigation and in XX/XX/XXXX then Citi sent me a letter receiving the dispute, but until today I have never received an explanation about the transaction details. After that some communications were sent and calls done but were not successful to resolve the issue. Last call was done in XX/XX/XXXX and they said they can not retrieve any history and they didn't have the transactions in their systems. Instead they are asking me to provide the documents. 

Under my knowledge I paid the account in full in XX/XX/XXXX and I have never received the {$200.00} secured deposit.
Product: Credit reporting or other personal consumer reports

today is XX/XX/ I closed the XXXX XXXX XXXX card a year ago, and just paid if off XXXX XXXX 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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 an account without my written instructions
Product: Credit card or prepaid card

USAA IDTheft Department is Not Open on Weekends or at Night When Most Theft Occurrs. Reporting IDTheft Timely is NOT AVAILABLE. Criminals Do Not Sleep. USAA DOES NOT PROVIDE ACCESS FOR ADEQUATE PROTECTION.
Product: Debt collection

On XXXX XXXX,2019 my friend got a call from XXXX XXXX XXXX at XXXXBecause I  contacted lawyers on behalf of a friend I wondered if that was them but I don't recall giving out my friends number. I called back but got voice mail for XXXX. XXXX called me back and transferred me to XXXX XXXX who said they are a law firm and will have to take me to court over GE Capitol Retail Bank/XXXX XXXX credit card for breach of contract. He says the debt is for {$1300.00} but now the amount is {$1600.00} and I can settle the debt for {$890.00}. He said I will only get paperwork AFTER I submit payment and he was recording the line. He did not offer to send paperwork to my email address which he already has on file before I pay this debt. I tried looking them up and seen they represent XXXX XXXX XXXX XXXX in XXXX XXXX. I would still like to see what this {$1600.00} is for if my debt was only {$1300.00}. They should send me the paperwork because I tried to resolve the debt with GE Capitol Retail Bank around 10 years ago and sent payment. XXXX XXXX also said if I paid the {$890.00} it will be resolved off of my credit reports but again I never received anything in writing from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 and XX/XX/2019 our business account held at XXXX XXXX was debited for {$180.00} and {$200.00} through an ACH transaction. Unfortunately we did not report the unauthorized transaction within the XXXX hours required by ACH for dispute so the money was gone from our account. The money was transferred to an account held at Capital One. We were unable to get any additional information from Capital One because of privacy regulations. We are planning to report the issue to : aw Enforcement.
Product: Debt collection

after repeated harassing calls from progressive Management systems and me time and time again repeating myself not to call me during those hours because I work independently for a company called XXXX XXXX XXXX and that it is affecting my job they continue to attempt to collect a debt I do not owe and should have been serviced by XXXX XXXX hospital  through its billing system to XXXX. The dates align the billing the lines and progressive management should not be allowed to break the fcra current laws in regards to debt collection XXXX should XXXX XXXX hospital dump its lack of billing personnel on the future of my life.
Product: Credit reporting

I am filing a complaint because Experian has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Experian verifying these accounts. Under section XXXX ( XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you
Product: Checking or savings account

Bank of America does not send monthly or even quarterly Certificate of Deposit statements, so I have no way of knowing how much interest we accrue on our CD and on what date. I am unable to reconcile my accounting software with the actual bank balance unless I am just lucky enough to log onto my account on the exact date the interest posts, as even the online statement does not show the accrual. 

Is there not a law that states that they must send a statement, at least quarterly, if interest has been posted to our account? Even if it was available online, that would be better than nothing, but the online account does not create a statement either. I have to waste time being passed between different departments when I call to get the information. Absolutely ridiculous. I have already registered a complaint with the bank, twice this year alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Comment Demanding {$2000.00} to settle a balance of {$11000.00} XXXX XXXX XXXX # XXXX Absolute Fraud! 

I have not had a XXXX XXXX Account since XXXX or XXXX My Credit score is VERY GOOD and There is nothing on my 3 Credit Scores that is Negative. 

Nor has there been anything for at least 17 years. 

XXXX  the Company and they seem to be a Predatory Fraudulent Company
Product: Consumer Loan

I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inaccurate accounts that qualify for deletion 2 charge offs and one late payment see letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Every time their charge me fee for payments or discounts to my deposit and in the end their close my account for it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX Bankruptcy in XXXX XXXX ( XXXX ) and I had it dismissed. LexisNexis sent my bankruptcy dismissal to XXXX, XXXX, and XXXX I went to the courthouse here in XXXX XXXX La. I was told that the court do not sell or give out that information but it is public record. So how did the three bureaus get my information. I sent the letter that the courthouse gave me to LexisNexis after 30 days it was remove by XXXX, but the other two bureaus XXXX and XXXX still has the dismissal as a derogatory mark.
Product: Debt collection

There was a XXXX XXXX XXXX credit card opened in my name in XX/XX/XXXX. I don't or never had a XXXX XXXX XXXX credit card. I don't ever look at my credit report so i was unaware of this. Couple months ago when my debit card was used by someone other than me, my bank notified me and shut it off and issued me a new card. That is when I started looking at my credit, paid some things off. I did notice a collection from a XXXX XXXX XXXX. I investigated it and found that in XX/XX/XXXX XXXX XXXX bought that XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX XXXX. It showed {$700.00}. I disputed it because I never opened that account! On XX/XX/XXXX the dispute came back as verified as accurate that it is actually correct and it is going to stay on my credit report! I immediately filed another dispute that same day because I didn't open it and the amount went from {$700.00} to {$1000.00} the day the dispute came back! I did not open this account. Not sure how all this went under my nose and now I don't know how to correct something I wasn't involved with except someone used my information. I see at the bottom of this page it asks for documents. I have none that is why this is so bizarre! I only have what it says on my credit report which is not accurate! They can't make me pay a debt I didn't create! HELP!! 

Thank You
Product: Mortgage

My mortgage was switched from XXXX XXXX to Freedom Mortgage XX/XX/2021. Freedom said my insurance went up & is charging me around {$200.00} more for escrow. However, when I check the paperwork, neither my homeowners insurance, property taxes nor their FHA payment has gone up enough to charge an extra {$200.00} a month. 

I questioned Freedom, and they sent me a loan history, but I still can't see where the extra {$200.00} is needed. I'm a college graduate majoring in XXXX, but I'm still having trouble trying to see where the extra {$200.00} is warranted. 

I have contacted an attorney who is experienced with Freedom Mortgage & they don't seem to have a great reputation ( even according to your archives ). However, they want {$1000.00} up front. I don't mind paying an attorney if I can see that Freedom is in error, but I just can't see from the loan history they sent me where the extra {$200.00} charge is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to ensure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

I opened a dispute with Experian, and my e-OSCOR codes ( or reasons for dispute keep getting changed or modified ) Experian reported back a change to Report Number : XXXX ( XXXX XXXX ) the report shows two ( 30 days ) late payment in XXXX and XX/XX/XXXX. 
There are only 28 days or 29 days in XXXX. When requested the pay dates according to XXXX Experian reported payments were made on XX/XX/XXXX, and XX/XX/XXXX, XXXX that is exactly 28 days which is less than 30 days. 

Pointing out the error, Experian 's employee stated if it is one day or 30 days late the company can put the incorrect information on my report. After i corrected the employee, I was immediately hung up on. Today XX/XX/XXXX phone calls was disconnected three times when speaking to Experian.
Product: Credit card

Complain is regarding unauthorized charges with Capital one credit card. Police report was sent to Capital one with specific circumstances that cell phone confirming transactions notification also was stolen with credit cards. After this incident was open case/ claim with Capital one to recover all unauthorized charges but Capital one credit department declined it. I send twice my old and new Driver licence. The reason Capital one declined this case is they are not able to read my name XXXX XXXX from my Driver 's license pdf copy,??!?!? after that I send copy of my Passport Breaking the law is to advertise " Customers are protected for all unauthorized transactions, please open Credit card accounts with us ''