23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to speak to have my issues resolved through Capital One many times through their customer service representatives. Within this last week they have misinformed me and misled me many times. I always had issue with my online banking it was finally resolved last week, I was able to login after nearly 8 months without the service. In the month of XXXX I spoke to a Capital One representative, I fell under the impression that this representative had set up automatic payments for me, again during this call I asked for help with the online banking to no success. In the month of XXXX I noticed I late payment for the month of XXXX on my credit report, immediately I filed a dispute through XXXX, to this date I have not received a letter from Capital One regarding the dispute. I have tried over and over again to have Capital One representatives hear me out. I have been hung up on, and transferred endless times with each rep unwilling to assist me. I also attempted to submit dispute via U.S. Mail, with no response.
Product: Mortgage

We had a loan with Nationstar and refinanced this load with the same company. When we did the loan paperwork greenlights name showed up and we were told that it was owned by nationstar and payments etc would go to XXXX. In seeing a loan origination fee, I said is that so they can charge this loan origination fee, the closer laughed and said guess so. When the XXXX came it did not include the payment on XX/XX/XXXX. I have sent them proof of payment of all payments to date. Earlier this year they said my first payment was not due until XX/XX/XXXX and so that payment went to greenlight and they have nothing regarding this. I advised them that I had checked and greenlight acquisition happened before XX/XX/XXXX and further more this payment was a electronic payment directly into NationStar 's banking account and that no XXXX was ever received from greenlight. I have spent three years trying to straighten this out and they have done nothing to resolve this. I really need the government agency to step in as I know believe I am not the only person this has happened to. XXXX and XXXX, CO XXXX
Product: Mortgage

XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my credit file associated with my account with [ Santander ) ( Account Number : [ XXXX ] ). Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I request that these inaccurate records be corrected or deleted from my report. 
Under Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. 1 am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal.

Specifically, I question the accuracy and integrity of these entries based on the following : 1. Failure to Provide Proof of Reporting Compliance : The FCRA mandates that furnishers of information ensure maximum possible accuracy. In this case, the evidence supporting these late payments has not been furnished, and I question whether the creditor has documentation to support these allegations. Please provide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.

2. Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an Item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.

3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C 1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting, The reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness, Search Given the circumstances outlined, please initiate a prompt investigation, provide me with the results, and send documentation supporting the validity of the disputed entries. If the information can not be verified or substantiated in compliance with FCRA guidelines, I expect all disputed late payments to be promptly removed from my credit file. 
I look forward to your written confirmation of the results of your investigation within the legally allotted timeframe. Failure to adequately address this matter may compel me to explore legal remedies to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

This company pulled a hard inquiry on my Experian, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress singalongs
Product: Debt collection

As of XX/XX/XXXX, I contacted Monarch Recovery XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXXXXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to Monarch Recovery XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXXXXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to Monarch Recovery XXXX XXXX he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to Monarch Recovery XXXX XXXX  but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to Monarch Recovery XXXX XXXX 

The most recent letter I received from Monarch Recovery XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from Monarch Recovery XXXX XXXX, I implored the representative from Monarch Recovery XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that Monarch Recovery XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to Monarch Recovery XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXXXXXX XXXX   debt was sold to Monarch Recovery XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXXXXXX XXXX. Even before my XXXXXXXX XXXX  XXXX XXXX account was sent to their own collection department, XXXXXXXX XXXX  itself, also always provided me with a receipt of payment for every payment I made. 

To date Monarch Recovery XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from Monarch Recovery XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Company allowed me to sign up for a next day loan, and immediatly added egregious interest rates that caused the repayment amount to be unreasonable to pay back. Have been sending threatening emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at Experian and XXXX. Experian and XXXX are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX insists that Experian and XXXX reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus.

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from XXXX and Experian 's databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.
Product: Student loan

I was contacted by a 3rd party called R3 Processing to consolidate my federal loans and make monthly low payments based off of my income. They told me that I would make monthly payments of {$41.00} for 240 months until my federal loans were paid off. They did consolidate my loans with a company called XXXX. XXXX in turn consolidated with my loans with XXXX. I got in contact with XXXX this morning and they told me that I was n't due to make a payment for 1 year. When I heard that, I was confused about where the {$41.00} was going exactly. XXXX informed me that 3rd parties do not have access to pay any student loans and are not responsible for them. So the {$41.00} is not going to my loans like they said they were, but going to R3 processing directly. I then called the number that R3 processing provided for me and they were both disconnected. I emailed the account manager- XXXX who I spoke to previously when I was setting up this consolidation with them, and asked him to give me a direct number to reach him. He did and I told him I got in touch with XXXX and told him what they told me about not having to make any payments for 1 year. I asked him where that money was going directly and he said it is a fee for us doing your paperwork. I was never told about any fee, and if I had knew about a fee I would of never signed up for their services. He lied about that money going towards my loans. XXXX informed me that there should never be a fee to consolidate any loans and that the 3rd party who contacted me are most likely running a scam. They also told me I can consolidate on my own at no cost.
Product: Credit reporting or other personal consumer reports

Good morning, I contacted XXXX XXXX to dispute the accuracy of the information contained in my credit report provided by XXXX, pursuant to my rights under the FCRA, specifically 15 USC 1681. I discovered that certain information has been reported without my written consent to furnish or provide the information in question. The letters I have enclosed are my second request.
Product: Student loan

Graduated XX/XX/XXXX from XXXX University with XXXX XXXX XXXX XXXX  Began repayment after graduation and have paid every month without missing. 
Worked at non-profit from XXXX thru XXXX In XX/XX/XXXX applied for loan forgiveness after working in non profit for 10+ years when the program was first available. Had sent employment certifications multiple times, with acknowledgement of receipt. Shortly after submitting all employment verification I received a short letter that I was not eligible due to the wrong type of government loans. Upon calling Navient to follow up I was told that I could start over with the count if I changed my loan. I spoke with a representative that I had been paying 14 years and another 10 would put me at the end of my loan. Navient offered no solution, no help through the process. I was never informed it was a non-qualifying loan. 

XX/XX/XXXX @ XXXX I called Navient at XXXX and Spoke with XXXX XXXX I let her know with the waiver, I would be reapplying for the PSLF. I requested a refund for the payment amounts due to COVID forbearance eligibility. She affirmed I could request a refund and even stated the date would be from XXXX XXXX. She told me this was due to the disaster forbearance and calculated the amount from XX/XX/XXXX to present to be {$6100.00}. She confirmed my address. She then went on to tell me immediately upon the refund Navient would be reporting the account as delinquent and since it was for the given timeframe it would immediately be report to the credit bureaus for being greater than 90 days delinquent and would have a 6 % fee for delinquency of about {$500.00} which would be due immediately. For the fear that Navient insured, I held off on getting my refund for payments. 

My loans have been transferred to federal loans with a consolidation date of XX/XX/XXXX. My PSLF application was acknowledged as received XX/XX/XXXX. I am currently awaiting a loan count ( which should be around XXXX with the waiver ; XXXX over the XXXX due ) and forgiveness. With fear of doing something wrong again or missing a step I have followed up with XXXX XXXX and with legal counsel. XXXX XXXX rep told me I was misinformed by Navient and owed a refund- that I never should have been told that due to the disaster forbearance. 

I, like many borrowers, have been very misled and misinformed by Navient. I have tried to follow processes but offered no help and blatantly lied to. I am requesting a refund of overpayment on loans as I completed my 120 payments in XX/XX/XXXX and worked with two qualifying employers. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading information by customer service on the dates and months this account was closed, investigated, requested by the customer of hardship the amount presented to paid while on XXXX months paid on time. The months of late payments in XXXX are unacceptable. A request follow-up from the credit report on the payment history before XX/XX/2022. Good credit / exceptional. 

I want an investigation done on this company as a whole! Until I filed a dispute, I called them several times. They never told me this account was closed each time I requested. Was it possible to use this card? Yes! Why did I pay the necessary cost to get back on track if it was closed? Indeed, I didn't want this card closed for having a significant limit to help me and my family survive this economic crisis. Once, I told a supervisor would get back to me to help activate my card after attempting to use it at the market twice was declined. 

I followed each transaction to keep this account active by borrowing money and got disappointment. Today, my credit is showing late payments, and I can't get any other support causes of these late payments on my credit by this company! I need my good credit rating back, and please advise me.
Product: Checking or savings account

XX/XX/2023 my XXXX was hacked from someone in GA I tried finding the phone number on XXXX but couldnt find it so I XXXX it. I thought it was legit but doing all the steps they told me to do they scanned mine out of my acct I sun realized something wasnt right so I hung up I disputed the money on the XXXX XXXX and the bank. They have the money back but today I got an email stating they investigated and were taking the money back out of my acct.
Product: Credit card or prepaid card

I had a XXXX XXXX, XXXX, and XXXX XXXX card. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX  XXXX  cards. I set up another payment plan for the XXXX  card which I am currently making payments on.
Product: Checking or savings account

I have Wells Fargo and they are supposed to give me money due to the settlement claim but have not reached out nor helped me solve this issue.
Product: Credit card or prepaid card

I bought items on sale and on clearance was never told promotional items, added XXXXXXXX XXXX back on card. I made complaints. They sent me a letter that had a false statement on it. Told me that I was late and it was the reason for adding the XXXXXXXX XXXX XXXX but I was not late ; instead it was an early payment. After being caught being misleading with the reason for adding extra money then they tell it was mistake it was promotional items that was bought and I told them I did ot buy any promotional items, items I bought from zales were on sale and on clearance never promotional, card told me it was too late too take off extra money that I had sixty days to make complaints.I made complaints when I got the bill online, the very next month, never went past there days to make complaints. So they hung up on me, when I asked to speak to higher ups after the third complaint.My complaint is against Comenity.net/zales. Which represents Zales until you have a complaint, then they are separate entities then.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. The presence of late open accounts and late closed not only adversely affects my credit score but also undermines my financial standing and access to credit opportunities. I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct the late open and remove the late closed accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the late closed should be removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 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 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