23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern : I am writing to file a formal complaint about the servicing of my student loan account with XXXX XXXX XXXX ( XXXX ). There are two primary concerns that urgently need to be addressed : XXXX. Lack of Reasonable Forbearance or Deferment Options : I recently began working in XX/XX/year> after a period of personal hardship involving relocation and difficulty securing employment. During this time, I fell behind on my loan payments. When I sought assistance from XXXX to help manage these circumstancessuch as a temporary forbearance or defermentno reasonable options were provided. Instead of working with me to establish a viable repayment plan, XXXX repeatedly reported my late payments to the credit bureaus, causing unnecessary damage to my credit profile. I have consistently expressed a long-term commitment to making monthly payments once stabilized, but XXXX has not offered a fair and practical solution. 

2. Incorrect Loan Information and Conditions : There is a serious issue with the account setup. The loan should list XXXX XXXX as the primary borrower and XXXX XXXX as the co-signer. XXXX XXXX was not enrolled in school, and this incorrect configuration has led to improper loan terms. Specifically, the loan did not receive the standard grace period after graduation, which is commonly afforded to student borrowers. Instead, the loan was set to immediate repayment under erroneous assumptions. I have contacted XXXX multiple times to correct this account information, but to date, no proper resolution has been provided. 

Requested Resolution : Correct the Primary Borrower and Co-Signer Information : Update the account immediately to reflect XXXX XXXX as the primary borrower and XXXX XXXX as the co-signer. 
Reinstate Appropriate Student Loan Terms : Adjust the repayment schedule to include the appropriate grace period and deferment options that should have applied had the account been set up correctly from the start. 
Reasonable Accommodation for Hardship : Offer a temporary deferment or forbearance that accounts for the recent hardships Ive experienced, as well as a fair repayment plan going forward. 
Credit Reporting Corrections : Remove or correct any negative credit reporting that resulted from AESs refusal to provide relief and the incorrect application of loan terms. 
This situation is both urgent and important to me. I am prepared to continue making timely payments now that I am employed, provided XXXX addresses these issues fairly and in accordance with industry standards. Please respond with a clear plan for resolving these matters. 

Thank you for your immediate attention to this complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently applied for an FHA refinance mortgage with Quicken Home Loans on XX/XX/19 or earlier. My mortgage broker has let me know that Quicken has really struggled with new loans registering at Quicken and their set up process. They are also offering interest rate lock timeframes that they are not able to close loan applications within. 

But thats not the main issue. The issue is that they make you use one of their appraisal management companies, in this case the appraisal was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. On that date the Broker received a notification that the appraisal was completed and available for download. The broker downloaded the appraisal and it said " AS IS '' so no repairs were required. 

Timing was a little tight but we had enough time to close before the interest rate lock expired on XX/XX/XXXX. Then on XX/XX/8, 9 days after the complete appraisal report was delivered to the broker ; Quicken posted a new loan condition that the appraisal was now " Subject To '' and listed a minor repair. 9 days later. And no one even told the broker about it! He happened to look in the file and saw it had been posted. Quicken has since removed the original appraisal report so that it can not be accessed but the broker saved the original copy. 

By waiting 9 days to make a change to a completed appraisal ; Quicken effectively blew my interest rate lock out of the water. The mortgage broker was without power for 4 days including the day the lock expired. He asked Quicken to cover the re-lock fee ( about {$1100.00} ) in light of the situation. Quicken refused putting the blame back on the broker. They then cut off the broker from doing business with them ever again. The broker has continually asked that they make this right for me and they continually refuse and put the blame on the broker. Also, interest rates have gone up since my loan and interest rate were originally locked in so Quicken knows they hold the cards and by not honoring my original lock they are now making more money in fees. Another {$1100.00}. 

Based on what the broker has told me about this happening to multiple other clients and how Quicken handled my application it looks like they are intentionally causing their clients to need lock extensions and re lock fees. This is predatory lending. We have tried to get them to make this right and they have refused. They have scoffed at us for threatening to file a complaint with CFPB. The two individuals we dealt with at Quicken were XXXX XXXX and XXXX XXXX. When asked to speak to another supervisor XXXX XXXX responded that he has the final say.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone back and forth with Experian numerous times concerning an inaccurate account which has lead to me losing money and being denied a mortgage loan in the final hour. Due to Experian 's lack of accurately investigating an account XXXX and updating it correctly or deleting the inaccurate information, I have run into hardships and headaches. I have provided Experian notices from XXXX XXXX. I have also provided the notices from XXXX and XXXX where these two agencies XXXX and XXXX have the correct information, such as XXXX balance, and reported as such so Im baffled as to why Experian is not reporting the accurate information or why they did not follow suit. Experian claims I am a third party every time I send a complaint ; however, I am sick and tired of the frivolous tactics Experian know I am who I say I am as well. Due to actual damages caused, I am forced to pursue legal action against Experian in federal court. I will sue for all actual damages incurred and all attorney fees and costs due to Experian FCRA violations. Experian has violated my rights and caused major actual damages from your false and inaccurate credit report from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023, I wrote a check for XXXX dollars to a Wells Fargo customer for a completed work project. The check was paid by my bank the next day, XX/XX/XXXX, Monday. Wells Fargo put a hold on the check stating that my signature was incorrect and suggesting to their customer that I cancel the check and reissue it. 

The hold was for XXXX  days ( until XX/XX/XXXX ). For the next ten days, the reps at Wells continued to tell their customer that my signature was wrong and that was the reason for the hold. Each time their customer came back to me asking me to re-write the check, I had to tell him that the check was paid and Wells had my money. 

This resulted in confusion as the Wells customer wanted to believe what his bank was telling him. When he showed the reps at Wells a copy of the canceled check, they took a belligerent tone with him. 

I've complained to the XXXX, FDIC, and NC DOJ. The latter two agencies referred my complaint to the Comptroller in XXXX. All agencies with the exception of the XXXX claimed confidentially issues barred them from addressing my complaint. 

My concern is that non-English speakers ( and possibly others ) are being targeted with excessive check-holding practices, citing false reasons. My understanding is that every bank has a right to hold checks for any number of reasons. My problem is that Wells used me to lie to its customer. If they are doing this to others it is causing a headache for many. The payoff is that they earn pennies to the dollar in interest on every cashed and held check. 

The reps at Wells Fargo will cite confidentiality reasons when they view my complaint. And that is understood. But so far, I'm led to believe the bank will continue this bad practice unless they are held accountable.
Product: Checking or savings account

So I filed disputes on my account XX/XX/2023 and I didnt make those charges from XXXX XXXX stores that were from 4 different states and today they replied with a email that I wont be credited for the disputes when it makes no sense when I live in XXXX XXXX and my card was used in other states. And I asked them why wasnt I credited when I dont live any where near the stores and how I was able to make those purchases when I dont even live near those states. If you look at the attachments the store numbers of the XXXX XXXX  are all out of state
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Product: Checking or savings account

Scam email came through as I was at the bank. Asked them if it was legit and was told no. It looks very convincing. Below is the email : Dear XXXX XXXX, I am writing to you because I have tried to contact you by phone about an important matter related to your account with PNC Bank and have been unable to reach you. Please give me a call at XXXX as soon as you are able. 



It is important for you to know that this is not a sales call and it is imperative that I speak with you at your earliest opportunity. If I do not hear from you, PNC may move to close your account relationship. 



We appreciate your prompt attention to this request. 



XXXX Customer Outreach Team PNC Bank ( P ) XXXX XXXX The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at XXXX : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX
Product: Debt collection

Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Being a devoted PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a supplement to the complaint filed on XXXX with Equifax regarding improper inquiries on my report that was filled under complaint XXXX XXXXXXXX. A copy of identity theft form is herein incorporated.
Product: Checking or savings account

I deposited a social security check on XX/XX/XXXX. I was told my funds would not be available until the XXXX of XXXX which violated regulation cc. They said there was nothing they could do that they frequently get treasury checks that are fraudulent. Not from myself but it happens often so they need to make sure it wasnt a fake check. I advised them of regulation cc which does not allow them to hold my funds for that amount of time. I was sent a letter in that mail that stated the will release the check on the XXXX of XXXX which is the same as my online portal however they are telling me that they dont know what I am talking about and I spoke to everyone I can speak to and they cant even release the hold so I can cash it elsewhere as I have the paperwork from social security in addition to future payments being directly deposited into this account. The funds are for my XXXX son. At this time they are violating the law.
Product: Credit card

Synchrony closed my Verizon credit card account due to what they called high risk, despite no high balance at the time of closing nor having missed any payments on this card or any other card within at least the last 2 years. Upon asking why I was labeled as being high risk, the representatives said they could not elaborate. 

As this is the only card that earns Verizon rewards, which I use for our Verizon XXXX account, I asked about the decision being reconsidered and reopen the account. I was told that the account is closed and can not be reopened nor considered for appeal but may be reapplied for. To which I asked the rep whether this closure by the bank would be considered adverse to Synchrony when applying, to which the rep refused to answer. Although I could reapply, I have no comfort if they would require a hard pull to just deny regardless of my XXXX scores across multiple CRAs due to this previous forced closure. 

I would like to have clarification whether my account would be eligible for consideration solely on my financial history without consideration of this meritless, adverse action in the event that the account can't be reopened.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXXn I got a Personal Loan from Speedy Cash. 

I did follow with the payment arrangements until later XX/XX/XXXX when I couldn't continue with them due to personal issues. 

Taking the current situation, I'm not in a position to pay this loan, therefore AD Astra Recovery Serv. is  charging me XXXX . 

Thank you ahead for helping me resolve this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an account with Preferred Lease which I paid off in full XXXX month now. They have reported to XXXX XXXX and XXXX that I still have a balance of {$7000.00} balance on this account when the total account was paid in full. I have called their office on XXXX occasions and was told that I They have not updated to the Bureau as yet. I explained to them that I am currently in the process of purchasing a house and I need this information to be updated so my loan officer can pull my credit report. They are saying I have to wait 30 to 60 days. During the time I was making payments on my account, they reported to the Credit Bureau every month. I should not have to wait 60 days for them to report a pay off. I have a 100 % on time payment history with this company. Never late. This updated information is needed now for them to lock my rate in. I should not have to wait and miss an opportunity for a goos rate because their office is not efficient.
Product: Debt collection

Diversified Consultant is a fraudulent company that I have never had a contract with and got a hold of my information and has attached themselves to my credit 3 times and I have proven that it is not my account. It keeps being removed then re attached month 's later. They are a nightmare and should not be allowed to ruin people 's credit. Please shut this company down.
Product: Debt collection

Midland Funding LLC appears on my report as a third party debt from a payday loan I was trying to pay off. The original amount was {$640.00} but appears on my report as {$790.00}. I requested that the company send me the updated amount owed and furnished the original collector with my new address, but no change has been made to my report and no bill has been sent to me. This has impeded my opportunity to address this assumed debt and has remained on my credit reports for over a year.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I called my credit card company, Capital One, to request a reward check. I spoke with a woman named XXXX. She wanted to confirm the name of my business. I requested this card about 20 years ago, and at the time had a small business. After I ended the business, I tried many times to change to a residential card, but was told there really was no difference, and no need to change it. When I explained this to XXXX, she said she was " cancelling my credit card, immediately ''. She was very rude. She said if I wanted a card, I would have to request a new one. This card was compromised twice in the past year, and many of my monthly bills are paid by this credit card. Now I had to contact these businesses again. I will never use Capital One again. I was a customer for 20 years, and always paid the entire bill monthly. I called them and wanted a supervisor or manager, and got XXXX. She said there was nothing they could do, and refused to let me speak with anyone. I received a letter today from them stating they closed my account, as requested. It was signed by XXXX XXXX XXXX, XXXX with no phone number to call. This is pathetic customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXXwho is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. 

.
Product: Debt collection

Account Name : XXXX ( Original Creditor : XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 



Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.