23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Truist Dealer Services placed a hard inquiry on my XXXX credit report as part of a shotgun pull initiated by XXXX XXXX ( XXXX, NC ). XXXX XXXX submitted my auto loan application to multiple lenders without my direct authorization for each inquiry. I did not provide individual consent for XXXX XXXX Services to access my credit file. 

I am requesting that this unauthorized inquiry be removed under the Fair Credit Reporting Act ( FCRA ). I am also contacting XXXX XXXX Services directly and have submitted disputes to the credit bureaus. 

Please also note that I legally changed my name to Love, so some records XXXX appear under Love, XXXX XXXX, or XXXX XXXX XXXX depending on the institution. I am in the process of aligning my records across all systems.
Product: Credit reporting or other personal consumer reports

Two XXXX XXXX pledge loans were wrongly removed/blocked from my reports on XXXX and XXXX. I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXXBoth loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers.Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status.XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies.
XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled.XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XX/XX/XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle.
XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled.XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial.XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as "Charged Off" delinquent and unpaid.XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I don't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, wouldn't it?
Product: Debt collection

Resurgent obtained the right to collect on our mortgage. On XXXX XXXX, Resurgent agreed to release the lien within 30 days after we sent them {$5700.00}. They have not released the lien. On XXXX XXXX, they said that I had to pay them by XXXX XXXX, or the deal was off and I would have to " renegotiate '' with them. When I tried to explain that the cashiers check had to come from Florida and be mailed to them, their representative, XXXX, raised her voice and harshly let me know that was the final word. I told her that I would get the check to her as soon as I received a letter committing that the payment was payment in full and the lien would be released within 30 days of receipt. On the XXXX, we had received nothing. We called every day and were continually assured by both XXXX and her supervisor XXXX, that the letter was in the mail. On the XXXX, I spent money I did n't have to get an online fax account. On the XXXX, XXXX faxed me a letter which met my criteria and I put the check in the mail. They received it on the XXXX of XXXX. On the XXXX of XXXX, I received the letter from them which bore the date of XXXX XXXX. The letter had been franked on the XXXX and accepted by the post office on XXXX XXXX. I think the letter was backdated and they intended for me to get the letter after the XXXX so they would have an excuse to demand more money. Alternatively, if I had been foolish enough to send the check without their written commitment to accept it as payment in full and release the lien, they could have demanded more money. The letter states that the paperwork will be sent to me but Kentucky law states that original paperwork has to be sent directly to the county clerk 's office, with copies to me within 30 days. I did not know that at the time, but I do not think I am responsible for telling them their legal obligations. I called them several times today trying to straighten this out. XXXX was surprised today when I told her that Kentucky required the original paperwork be sent to the Clerk. XXXX finally told me she would look into it and told me she would call. I waited 15 minutes past the time she said she would call and then called her. She was at lunch. Her supervisor has been " in a meeting '' all day. This is typical of the way this company operates. Tomorrow I will send them a copy of applicable Kentucky law along with mailing and contact information for the XXXX County clerk here in Kentucky. Please incentivize them to end their coffee break and do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

Thank you
Product: Checking or savings account

On XX/XX/2023, I opened this checking account ( XXXX  ) with {$150.00} bonus offer on BoA website. 
On XX/XX/2023, until today, I still have not received the {$150.00} bonus. Tried contact customer service and they told me that offer never applied to my account so I wont get the offer. Also last 5 month, I had over {$20000.00} direct deposit and I am very sure I am eligible the offer. 

This is clear a tech issue from BoA or they had a fault advertisement. I need CFPB to help and look into this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND complaint regarding the violation laws Equifax and XXXX have down causing me to be affected harshly through credit denials. 

I have several inaccuracies and inconsistencies in the bankruptcy reporting on my credit report. Since XX/XX/XXXX I have been disputed the reporting with all 3 credit bureaus as well the 3rd party data agencies XXXX and XXXX. 
XXXX quickly agreed with the inaccuracy and removed the reporting but both Equifax and XXXX have consistently responded to me with the same responses stating the bankruptcy has been verified. 
I sent letters to the courthouse the bankruptcy was filed to request how they go about verifying with the credit bureaus on reportings and they replied stating they do not furnish information to the credit bureaus. 
I then sent a letter to XXXX disputing the validity of the bankruptcy reporting and they responded by deleting the bankruptcy in XXXX stating they were unable to verify the accuracy. 
I contacted XXXX because in my research, I found on XXXX 's website at XXXX XXXX XXXX that they are furnish bankruptcies to XXXX, but they only furnish bankruptcies from XXXX to the present to XXXX and older bankruptcies are verified by XXXX from XXXX. I sent a letter to double check this and their response was that XXXX verified mine with XXXX. 
Both Equifax and XXXX have sent monthly responses to my dispute letters stating they verified the bankruptcy with XXXX. This is NOT POSSIBLE because XXXX deleted the bankruptcy back in XX/XX/XXXX. This means Equifax and XXXX are not and did not conduct an actual and proper investigation and are violating my consumer rights! Them continuing to report the bankruptcy is illegal! 

I'm attaching the letters I sent and their responses to this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint for EXPERIAN, in response to Experian, i did not accept anything or any goods, because these items on my credit report are not mine. these are on my credit report in error. I AM A VICTIM OF IDENTITY THEFT
Product: Student loan

My loan transferred from XXXX to Navient in XXXX. Upon the transfer, I looked at the Navient website to make sure the details were accurate. The loan amount and the projected last payment date were incorrect. I contacted Navient to have them conduct a review of my account. They sent a document that would not be discernible to anyone. It did not answer my question. 

I called Navient on X/X/17 to gain an understanding of what was happening on the account. The Representative advised me that the date was correct. I asked for proof of the date being correct. She informed me that no one was going to send me a spreadsheet of the payment schedule. By Navient 's calculations, I currently owe approximately {$17000.00}. By their payment calculation date, I would be paying back {$63000.00} on a loan of $ XXXX - that is {$44000.00} in interest!! I was told a different payoff date from XXXX. They communicated that I would be completed my student loan in XXXX. 

Navient refused to help me. They insisted that their calculations were correct. They would not conduct a review of the account. Even when I explained that $ XXXX  in interest is outrageous and makes no sense from a mathematical perspective, I still received the answer no one is going to assist me. 

Please help me with making this company acquiesce to a reasonable request, and review my account mathematically - not just because their system says so. Technology and Systems can be wrong and have bugs. I believe they are overcharging me and they refuse to help explain it. 

Thanks, XXXX Thanks, XXXX
Product: Credit card

CBNA did a hard pull for my credit on XX/XX/2016 and it affected my credit sscore
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus : Experian, XXXX & XXXX  are inaccurately reporting late payments on my credit report for XXXX  XXXX in XX/XX/2014. I have never been late on this account.
Product: Mortgage

XXXX at email ... XXXXXXXXXXXX ... Green Tree/Ditech is withholding insurance proceeds for a completed project.
Product: Checking or savings account

I opened an account with CapitalOne with the promise of a {$350.00} sign on bonus if I made two deposits of {$250.00} each from a bank unrelated to CapitalOne. I transferred two {$250.00} deposits from my XXXX XXXX account. 

CapitalOne has changed the terms of the agreement to state that the funds must come from a payroll deduction or from Social Security. 

I contacted Capital One and there is nothing they are willing to do.
Product: Mortgage

We found this mortgage lender for a house back at the end of XXXX. We had the house lined up that we wanted and the lender agreed on an interest rate of 3.625 % if we locked it in by paying a {$500.00} fee. We paid it because he said they would guarantee this rate through the end of XXXX. The house was under construction and wouldnt be completed until that time. We are to do the final walk-through on Monday and close on XX/XX/XXXX. The lender now says even though they made this guarantee to us that they made a mistake and can no longer honor it. They just told us this yesterday, Friday XX/XX/XXXX. They say they will loan us the money but at the new XXXX of 5.5 %. That raises the monthly payment an additional {$700.00}. Thats an estimated amount of {$210000.00} over the life of the 30 year mortgage. Because of this Im now in breach of contract with the builder. Financially I am unable to pay the higher amount. For the past 5 months Ive been in contact with the lender and was assured everything was progressing fine.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. 
As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 
I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 
It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX.
Product: Mortgage

In  XXXX  I contacted my mortgage company at the time,  XXXX   (   XXXX   XXXX   XXXX  ) to try to get a loan modification thr ough MHA ( Making Home Affordable ) but was denied.      In  XXXX   XXXX  my mortgage was sold to  SLS ( Specialized Loan Servicing ).  I contacted them in  XXXX   XXXX  to try to get a loan modification throug h MHA. In   late  XXXX   XXXX  they denied my modification request. In that letter their reasons were incorrect, inaccurate, and inconsistent. In that letter they told me of the option to request a second independent review. In early  XXXX   XXXX  I sent them a request for a second independent review. Their letter stated that they wouldnt continue with the foreclosure process while being reviewed. However, in early  XXXX   XXXX  when I followed up with them they told me that my home was foreclosed on and sold on  XXXX   XXXX ,  XXXX .     I retained a lawyer to attempt to rescind the foreclosure and fight an unlawful detainer. I lost on the unlawful detainer, which will force me to move. I received an eviction notice and need to leave my property by Tuesday,  XXXX   XXXX ,  XXXX .     By foreclosing on my home SLS violated my California  Homeowner Bill of Right s.
Product: Credit card

I opened a Chase credit card in XXXX with an APR of 19.99 %. In XXXX, my card went over the limit by few dollars because a transaction was posted late. I paid the balances immediately. However, Chase started charging me penalty APR of 29.99 % because I went over the limit by few dollars only once. It has been almost 8 years since that incident and Chase has not revised my APR yet. 
I have contacted Chase twice in last 3 years I was told they do review lower APR eligibility every 6 months. I asked the representative what should I do to qualify, he told me to sign up for auto pay and keep my credit in good standing. I am enrolled in auto pay with Chase for more than 2 years and my credit score on all three bureaus is above XXXX addition to a good credit score, I also confirmed that across my credit reports : 1 ) No negative comments/marks ever. 
2 ) Never missed a single payment on any of the accounts. 
3 ) Low balance to credit ratio on revolving accounts ( XXXX25 % ) Interestingly, I have another Chase card on which I am being charged 19.99 %. Also, when I am logged into my Chase account, I am told that I am pre-qualified for a Chase Slate Card with 13.24 % APR ( including prime ). If I can qualify for a lower on an existing card and an even lower rate on a new card, I am not able to understand why Chase is charging me more than double interest rate on my existing card? I believe Chase is more interested in getting customers to open new accounts. 
The only reason I have not closed this account yet is because it is XXXX of my oldest card on the credit history and Chase knows closing the oldest account will adversely affect my credit score.The lenders see a 29.99 % APR account on my bureau report, they could consider me a risky customer. 
I would appreciate if Chase can provide an explanation on why am I being still charged a penalty rate while Chase is offering me much lower interest rate on a new product. 
I hope Chase also considers my relationship of 8 years with the bank. 

I also contacted Chase explaining the whole situation above through customer service and " We 're listening '' program but they gave same old response " Chase reviews account every 6 months and I do n't qualify ''. 
They did not provide me an explanation on why I qualify for less than half APR on a new card ( screenshot attached ) and not on the current Chase XXXX card. 
I called up Chase to follow up further and this time a senior representative mentioned Chase does n't revise APR at all. 
It is hard to understand why I would get an exceptionally good rate ( probably lowest ) on new card and at the same time I am charged highest possible interest rate on new card. 
I request CFPB to look into this issue with Chase and ask them to be more consistent and clear in their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with XXXX, XXXX and Equifax for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX Equifax Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX, XXXX and Equifax has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX amount is {$2500.00}. This account does not belong to me
Product: Debt collection

I called TSI in regards to an account that is closed with a XXXX   balance, and attempted to ask for them to delete it and provide me with a deletion letter. I am under contract on a property which is impacting the mortgage I chose for 30 years. Please help. They do not provide deletion letters and I let them know I will be filing a complaint.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and have strong suspicions of fraudulence. I request a thorough investigation and immediate removal from my credit report
Product: Debt collection

Stuart Lippman located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX keeps contacting me regarding debt that is not mine, nor in my name. I have repeatedly asked them to stop phoning me and they continue to call. I have told them that it is illegal to continue to keeping bothering me about someone else and to please remove my number from their list. I was told they can continue to contact me even though I am not the person they are trying to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX2022 I contacted them via mail concerning unauthorized inquiries and inaccurate information.
Product: Mortgage

I have a loan being serviced by loan depot. During the process to get a Heloc from loan depot they changed my escrow payment requirement by more then XXXX  month. This impacts my ability to get a loan from any lender as well as loan depot. With this I will end up with a XXXX  XXXX dollar overage by the end of the year. I feel these two activities were tied to together and their actions were predatory in nature. I want my payments adjusted to the correct amount. And the kind to be adjusted accordingly.
Product: Mortgage

Mortgage servicer - Mister Cooper XXXX XXXX company- XXXX XXXX servicer failed to pay the home insurance premium before the policy expiration date ( XXXX ). 

Mortgage servicer had all the necessary information to pay the premium before the policy expiration date. They failed to fulfill their responsibilities. 

Policy lapsed on XXXX. I called Mister Cooper on XXXX and demanded that the payment be made on that date. The agents at Mister Cooper lied and stated that they were unable to make the home insurance payment to XXXX because they were unsure of the payment amount. 

Mister Cooper agents noted that they called XXXX on XXXX but XXXX was unable to specify the payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has had me in XXXX  and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. Bank of America has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed Bank of America to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests
Product: Student loan

I applied for a loan consolidation and for my repayment plan to be changed to XXXX on XXXX/XXXX/XXXX. I was never notified about anything except being asked to show proof of my income on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I provided. I called on XXXX/XXXX/XXXX to check the status of my consolidation and was told it was stopped because my loans were deferred because I was in school. For 1. I am not in school so my loans should not be deferred and I should be able to make payments on them. Second, when I filled out the loan consolidation application I requested that my loans be consolidated even if they were deferred and that I start making payments on them immediately. I check that box for this. I am now told today XXXX/XXXX/XXXX that I my student loan consolidation was stopped without notifying me and now it will be not be done by the end of the year to received the interest deduction for taxes.