23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I stopped reaching out to them as how to apply my funds when I was making huge payments. I consolidated and they told me everything would be fine, and after looking harder, some of my interest rates tripped, I could not believe it! They are crooks and wo n't even give me a chance to pay back loans, they just want money ( same thing with XXXX, same company different name, they never answered any questions coherently, always trying to confuse and never be straight with a borrower ). I was paying close to XXXX, and I saw my balance go down XXXX-XXXXdollars, how can that be FAIR or RIGHT. SO much for me owning a home or become self reliant as I have student loans overtaking my earnings. There needs to be change, as we are trying to become productive adults, but not when all of a sudden my monthly bill went to XXXX dollars, great. That is what I have to pay this month. We need honest NOT FOR PROFIT loan services, as all they do is take advantage of the educated, and reap huge profits by making our lives even more entrenched in student debt, instead of helping adults get out of the debt. Now payment rules changed to 15 % of discretionary income???? Why do new borrowers get treated better by only having them pay 10 % of their income a month. I do not understand why there is so much bureaucracy, and all it does is hurt the middle class! I hope CFPB can help us normal people, as we have no one else to help defend us from servicers that take advantage of normal people, just to line their pockets outrageously!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX. I researched on how to remove the fraudulent accounts and infroamtion in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and listed on an XXXX XXXX XXXXeport. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX  Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} Medical XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than 4 business days after the date of receipt.
Product: Debt or credit management

Cash app has mishandled my information now my information is compromised and my card is compromised
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. Equifax and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
Product: Credit reporting or other personal consumer reports

Dropped my credit score severely under XXXX XXXX XXXX name and claiming delinquency when in fact i have been in forbearance. Also claims my balance has increased when this is false as well.
Product: Vehicle loan or lease

In XX/XX/XXXX I have purchased new XXXX XXXX XXXX and thus entered into a retail installment contract ( RIC ) with the dealer that governs the financing arrangement for the vehicle, which the dealer assigned to TMCC. When I purchased the vehicle, the dealer offered " gap '' protection in exchange of a specific payment. At the dealership I was informed that gap protection in " designed to cover the difference between what my insurance will pay and what I actually owe if the car is totaled, or the difference between what I owe and what my var insurance in willing to pay for it. TMCC describes gap protection as a product that '' will waive or pay the deficiency balance '' if the customer experiences a total vehicle loss. TMCC 's gap protection came in the form of a written standardized addendum to the RIC. Pursuant to the terms of the GAP contract, TMCC agreed to waive a borrower 's remaining liability to TMCC for any balance under RIC that is over and above the Value of the Vechicle as determined by the physical damage. My new Toyota XXXX XXXX XXXX Hybrid was financed through TMCC for a total amount of approximately {$40000.00} and I paid some additional charge of XXXX at the dealership. On XX/XX/XXXX my vehicle involved into a car accident and my primary insurance deemed my vehicle a total loss and paid to TMCC, the lien holder of my car, {$19000.00} as the value of the vehicle at the time of the accident. At that time I owed TMCC {$26000.00} for the vehicle under the RIC. TMCC refunded me {$1700.00} for the unused portion of the prepaid maintenance ( PPM ). Thus, there is a {$4800.00} " gap '' between the {$24000.00} I owed to TMCC under the RIC and the " actual cash settlement '' from XXXX in the amount {$19000.00}. Contrary to the terms of the GAP Contract, TMCC did not waive my liability for the {$4800.00} " gap. '' Instead, TMCC waived {$3300.00} and notified me ( with threats to report to credit reporting agencies ) that I was liable to TMCC for the remaining {$1500.00}. TMCC 's refusal to waive the full amount of the " gap '' on my vehicle is contrary to the express terms of the GAP contract. TMCC 's refusal to waive the full amount of the " gap '' and threats has caused me pecuniary damage. Upon my belief, TMCC 's interpretation and construction of the GAP Contract between me and TMCC is uniform and consistent with how TMCC has interpreted and construed all other GAP Contracts it sells. The GAP Contract was drafted, prepared, promulgated and sold by TMCC and as such, any and all ambiguities in the GAP Contract must be construed against TMCC. This is my belief that TMCC has engaged in deceptive and unconscionable trade practices.
Product: Credit reporting

XXXX has posses a 7 seven year old bill on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have become negligent of their federal duties and ignored my requests for the removal of the disputed fraudulent accounts and information. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not only ignored my requests and continued the erroneous reporting, they have claimed that the disputed items are verified and are reporting accurate information. Once again, I am submitting this XXXX complaint requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/2021. If the Credit bureaus insist that the disputed accounts and information belong under my name, I am requesting that the Credit Bureaus provide me copies of proof of verification or any documents bearing my signature. If the Credit Bureaus can not prove the documents I seek, deleting the disputed items is greatly appreciated.
Product: Debt collection

I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights
Product: Mortgage

Long story short : I sold my home and I have proof that my mortgage was paid off by the escrow company in mid-XX/XX/XXXX. Nevertheless, XXXX XXXX My Loan Care reported me as more than 30 days past due for in XXXX ( more than 2 weeks after the loan was paid through proceeds from the close of the sale ). I am unable to contact anyone at the company despite trying for nearly 2 months. See below for more details.

I refinanced my mortgage several years ago with then XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX changed their name to MyLoanCare. MyLoanCare was recently acquired by XXXX XXXX XXXX. I've never been able to successfully log on to the XXXX XXXX XXXX  site, as the transition occurred at just the relevant time of the events below. 

In XXXX or XXXX of this year, my husband and I were impacted by COVID. We reached out to our lenders, and all of them granted the COVID relief of payments. The relief of payments from XXXX XXXX My Loan Care extended through XX/XX/2020. I have documents that say this. Unlike all of the other creditors that my husband and I had at the time, XXXX XXXX ( then ) My Loan Care was deceptive in their website. They showed us throughout the COVID relief period as being delinquent in our payments. It was impossible to get the status of our loan during this period from the website. They mailed us documents, all of which we have. 

In XXXX of this year, I received a job offer in XXXX. That job offer was put on hold due to COVID travel restrictions, but in XXXX they hired me and made plans for us to move. In anticipation of the move, we sold our home. Both our Escrow Agent and I contacted XXXX  XXXX My Loan Care to obtain the payoff amount. 

On XX/XX/2020, my husband and I moved to XXXX for our new job. Since moving to XXXX, I have been attempting to access the XXXX  XXXX My Loan Care website to confirm that they were reflecting the payoff of the loan. I have been unable to access the website. I get a message saying that the server timed out, but I suspect that the company is geo-blocking me. I've also tried many, many times to access the chat feature. I'm also unable to contact them this way either, as I get the same error messages about server timeout every time. 

In mid-XXXX, our loan closed, and I have the Escrow payoff statement showing that XXXX  XXXX My Loan Care received the payoff amount that they told both me and our Escrow Company was a valid payoff amount. 

Last week, the week of XX/XX/2020, I received two credit monitoring alerts. Both advised me that my credit score had dropped and I should check it. I logged on to both sites, and both advised me that XXXX XXXX My Loan Care had reported me as greater than 30 days delinquent in XX/XX/2020. I have paid them the amount that they told both me and our Escrow agent was the payoff amount as of the date of close of escrow. They have blocked me from entering their site, and they have damaged my credit. I would like for them to correct their error expeditiously, as my husband and I are looking for ways to invest the proceeds of our home sale, and their error will cost us real money in terms of rates and, potentially, eligibility.
Product: Checking or savings account

I opened an account with Santander bank online on XX/XX/2018. I opened this account because they sent me a promo bonus in the mail. The promo promises to grant {$220.00} to an individual that opens a Simply checking account with Direct deposits that equal over {$900.00} within 90 days. After that the {$220.00} promo bonus is supposed to be added to account. I called the first time about this situation on XX/XX/XXXX and spoke with a bank rep that stated she will open a case about the inquiry. I called back a week later, and spoke with another representative that told me that the case was reviewed and closed and it was denied by the marketing team because I supposedly opened an account a year ago. 

When I opened the account the first time was never officially opened because they delayed to process the signature form that was signed off by me to open my account more than a year ago. I also never used a promo code or received any promo bonuses whatsoever the first time I opened an account with Santander. 

A few days ago, I spoke with a marketing representative from Santander and explained the situation again to her. Her name is XXXX and her number is XXXX. She stated she will reach out to me in a couple of days. 

I would like to open a case through this portal to ensure Santander keeps its promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Transunion to garner a understanding of the drastic decrease in my credit score over of XXXX points in a 1 month time-frame with NO actual changes to my report. Meaning there was no increase in debt, credit usage, outstanding payments etc. The company was unable to give me a verifiable or certain answer for the change.
Product: Mortgage

Madison Management Services is currently servicing for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXMy payment $ XXXX and in XX/XX/XXXX increased to {$730.00} ( escrow placed ) -XXXX XXXXXXXX ( escrow ended ) payment returned to normal remainder of year. XXXX payment increased again to {$480.00} through currant. However I have maintained my normal payment which according to their records has continually put me behind. Charged for a category of " other '' in XXXX = {$2600.00}, XXXX charged $ XXXX = {$4800.00} to-date. Forced placed insurance charged to escrow twice after sending proof of declaration and property taxes for one year. On several occasions made multiple payment that were applied as a lump sum instead as payments along with all moneys from escrow. To date charged {$1700.00} in late fees. On XX/XX/XXXX received notice of default and intent to accelerate demanding {$10000.00}. Stating that my payment is late beginning XX/XX/XXXX and all subsequent payments. Including late fees, unknow charges unpaid, and a total of 20 payments of {$450.00}. I have records of all payments made. I have tried to resolve this with them since they removed the escrow with no response. No none claims to know what to do.
Product: Money transfer, virtual currency, or money service

On approximately XX/XX/22 my sons ( joint parent account ) PNC checking account was hacked through his mobile app. We were made aware by an email from PNC stating that a check from a police department in Illinois ( a state that we are not located in ) was deposited for {$4500.00} and was declined as fraud. As soon as the bank opened, we called customer service. In a few short hours, 3 XXXX transfers and 2 XXXX transfers had been made. My son has never used either of these services. The XXXX transfers were each for {$1000.00} and the XXXX {$600.00} ( approx ). The names of the individuals that received and accepted the XXXX transfers are highly uncharacteristic of names of individuals that my son is familiar with. Moneys transferred in and out of the account within that time frame are also not within character of the account historically. 

His account was frozen, but unbeknownst to us, a bot had been placed on his phone, making his newly issued account susceptible. Customer service placed a fraud alert on all 5 transactions. By that afternoon, we physically met with a pnc branch representative who stated that the fraud alerts were done incorrectly and proceeded to correct them. My son went to XXXX and had his phone erased immediately. 

Within 10 days, we were notified by PNC that the fraud XXXX cases were denied. I then spent over XXXX hours in one day being bounced between customer service and the fraud department. All 5representatives that I spoke with were not authorized to disclose why the fraud was denied. 

I went to the local police department and I file a fraud case. I also spoke with another customer service representative and her manager who placed another fraud dispute on the 3 XXXX transactions. Also, included was the police report number. XXXX continues to be in a dispute holding pattern. 

Again, PNC has denied the dispute as valid and then proceeded to withdraw all money in my sons newly issued account and the rest from my savings account. This now leaves my son penniless at college, 5 hours from home! In all, PNC has now taken over {$3000.00} dollars from our accounts. The majority of these dollars represent my sons graduation money and the few dollars of hard earned pay from XXXX XXXX. 

Again, I have filed another dispute for these 3 {$1000.00} XXXX fraudulent transfers this time with a representative located at a busier PNC branch. This representative was dumbfounded by the fraud denials stating to me that this is a classic case. 

At this point, I have now idea where else to turn. PNC refuses to give out contact information ( phone or email ) to their Fraud Department. A lawyer would mostly likely cost me the same amount, if not more, than what we have already lost. But, what infuriates me, is this is my sons college money. This is what he is to use for books, food, travel, etc. This is gifted money and earned money with a specific intention. PNC had not once reached out ( except via mail ) and one phone call that I demanded. Please help me find a positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call Experian several times regarding many factual errors in reporting on my credit report. And i have discussed those errors to a supervisor and nothing was ever done at all to fix or removed that account off from my credit report. 

It is illegal for a creditor or collection agency to change the purge from date on a negative credit listing, causing it to remain on a consumers credit report longer than allowed by federal law. 

please see attach docs ... .PLEASE DELETED IMMEDIATELY ...
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report FACTUAL DATA XX/XX/XXXX Same thing from the transunion report for the home loan did not authorize for a hard pull XXXX Same thing from the transunion report for the home loan did not authorize for a hard pull
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because of certain false accounts I discovered on my credit report. XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, as my concerns remain unresolved. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite submitting the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to stress that I've already contacted the banks associated with these accounts, submitted necessary documents, and had the accounts promptly removed from their records.
Product: Credit reporting or other personal consumer reports

Please assist me in correcting the false account reflected on my credit report. This concern needs immediate attention as it is negatively affecting my reputation, and your intervention is crucial.