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

Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation. 

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$27000.00}
Product: Student loan

I am a Federal Government employee that has student loans with FedLoan due to the Public Service Loan Forgiveness Program ( PSLF  ). On XX/XX/XXXX FedLoan approved my Revised Pay As You Earn ( REPAYE ) plan and increased my monthly payment from {$630.00} to {$1200.00}. For their evaluation of my REPAYE application FedLoan solely used my XXXX tax return provided by the IRS and did not consider any other information. I am married and we file taxes jointly. We have XXXX dependent child that is XXXX years old. I do not understand how FedLoan doubled the monthly payment amount because in XXXX we earned {$3700.00} more in wages than in XXXX. Our personal circumstances are the same than in XXXX so I do not understand how FedLoan reached this amount. I need my REPAYE monthly amount re-considered because it is shocking that my payment doubled from {$630.00} to {$1200.00} for just earning {$3700.00} more in one year. 
Additionally, the REPAYE evaluation does not take into consideration that my wife and me have additional student loan payments ; that our mortgage payment increased from {$2000.00} to {$2400.00} ( {$320.00} more ) in XX/XX/XXXX ; that we have to pay {$860.00} in daycare a month ; that we paid {$2400.00} in our XXXX taxes ; that we have to pay utilities, car insurance, health insurance, etc. Respectfully I need FedLoan to consider the totality of the obligations my family has to pay a month to recalculate my REPAYE plan.
Product: Credit card or prepaid card

The following is the summary of my dispute with XXXX XXXX for the total amount of {$910.00}, a purchase I never authorized, on my Chase Sapphire XXXX. 

On XX/XX/2022 I researched flights to XXXX and decided to purchase a 7 Day FareLock a flight to XXXX, XXXX for {$8.00}, which was initially billed on Chase Sapphire Visa Card @ XXXX AM. 

The 7 Day XXXX allowed me to reserve the stated ticket price and determine which flight to purchase within XXXX ( XXXX ) days or the XXXX would expire and I would lose the ticket with no further amount charged than the XXXX price. 

This expiration was an option I deliberately selected at checkout so that I WOULD NOT be automatically charged at the end of that 7 day period but the flight would simply expire. 

On XX/XX/XXXX, I discovered that XXXX XXXX had, on XX/XX/2022 @ XXXX, automatically booked, ticketed, and charged me for Flight 1 to XXXX, XXXX for {$910.00}, ( {$870.00} for the ticket, and {$41.00} for a seat selection ) a clear and obvious error in their computer system. 

This was not buyer 's remorse. I DID NOT AUTHORIZE THIS PURCHASE. 

My email receipt clearly shows I only purchased a " XXXX '' and clearly shows that there was an error in the expiration date for the XXXX. 

On XX/XX/XXXX, I promptly called XXXX XXXX to make them aware of this error and they refused to refund my money, only offering me a credit for a future flight, even though I did not agree to purchase any flight in the first place. 

As evidence I have the Email confirmation of my XXXX purchase for {$8.00} on the Chase Sapphire Card. 

In this email you can see : a. You can see the reservation expires data is incorrect, that the 7 Day XXXX expired at XXXX on XX/XX/XXXX and not XXXX on XX/XX/XXXX so not 7 days after purchase. 

b. You can see the email confirmation provides the option to purchase the ticket and not that it would be automatically purchased an option I deliberately selected. 

c. The Email explicitly states that only {$8.00} was charged to my Chase Sapphire Card , which was the only amount that I was paying. Further, XXXX has even admitted the ticket that was billed to me did not even have any passenger information included -- further evidence that I never purchased any ticket but was simply billed erroneously for it. 

Thank you for your prompt attention to this matter and helping me to rectify this error. As of writing this, XXXX XXXX refuses to reimburse me for this money, nor will Chase Credit Card.
Product: Credit reporting or other personal consumer reports

My consumer report contains data that was obtained through identity thief. I didn't give explicit written consent or instructions for the transaction in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. T did not make a factual misinterpretation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. The transaction that has been deleted don't pertain to any transaction that I, the consumer, have made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Within 5 days after the transactions, you must comply with my request and prevent these transactions from being included in my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a notice from Transunion of a hard inquiry from XXXX XXXX XXXX  which I did not authorize. This notification came as a surprise to me since I have not requested any financial products from XXXX XXXX XXXX or any other bank on those dates nor have not been on the market requesting any other financial products from other institutions. I contacted XXXX XXXX XXXX  and did nothing to assist stating that the issue must be addressed and resolved by Transunion. I then communicated with Transunion and said they were going to address this situation and send the bank a notice to correct and remove the inquiry. Days later I then follow up with both Transunion and XXXX XXXX XXXX  because the inquiry was till showing up and nothing was done to assist me. Again I communicated with Transunion and they stated that they were going to take action but I had to wait 30 days from the date of the inquiry was made for the information to be corrected when my monthly credit report refreshed. After 30 days I call again Transunion and a person from XXXX 'assisted ' me and said that no action had been taken and that I needed to go to the local police to make a complaint. 

I need my credit report to be corrected because XXXX XXXX XXXX  has not done nothing to correct this inquiry and Transunion has not been proactive in resolving my issue either, giving me three ( 3 ) different versions of steps to be taken to correct my information however, nothing has been done. 

I do not have any relationship with XXXX XXXX XXXX  and have not submitted requests to be considered for their products.
Product: Credit reporting

I had an Inquiry on my credit report from XXXX, So Icalled XXXX in XXXX Texas where this Inquiry came from. I spoke with XXXX different people they ran my SS # they also ran my last name and my phone number as well. I was told they have no knowledge of any of this so I reported it to equifax as fraudlaunt and they respond with this letter within a few hours claiming it was verified.
Product: Checking or savings account

On XX/XX/XXXX I checked my business account checking balance. I had enough I thought to buy some gas and pay for parking until a deposit came in on Friday XX/XX/19. In any case I was not too worried since I believed I had opted to not have any OD 's paid. It turns out that my balance was quite low and my monthly maintenance fee hit on XX/XX/19 which zeroed my balance. On XX/XX/19, I was traveling around and using my debit card for that account to pay for parking. 

I used the card 4 times on XX/XX/19 and paid for parking in the following amounts : {$1.00} {$1.00} {$1.00} {$1.00} Since I believed my card would reject if there were no available funds I was not worried. I could then use the business credit card or a personal credit or debit card to pay for parking instead of the business debit card. However, the charges went through. 

On Friday XX/XX/19 I went into a local branch to move funds from my business to personal account and to discuss the overdraft charges since I had received an email notice about that. 

With my other bank accounts I don't need to go into the branch to move money but Capital One Bank does not yet allow me to move funds from my business to personal accounts electronically without using a third party service like XXXX. 

When I addressed the overdraft issue at the branch with the teller ( XXXX ) at the XXXX, Maryland branch she told me that my account is set to pay all overdrafts. I then pulled up my business account on my cell phone and showed her my Overdraft options screen, which read in a way that caused me to believe that Debit card overdrafts would never be paid. 

She then went to the Manager of the branch, Mrs. XXXX who told her there was nothing she could do because her system shows that all overdrafts are to be paid. Since I don't recall ever overdrawing this account, this situation had not come up before. 

In any case, I was charged {$35.00} for each overdraft on the same day. A total of {$140.00} in overdraft fees for my account being overdrawn by a total of {$5.00}. 

I feel this is onerous, incorrect, abusive of the banks position, and inappropriate because the way my screen reads I was led to believe that overdrafts with my debit card would never be paid. 

With Assets of over {$370.00} XXXX and revenues of over {$28.00} XXXX, this seems to be an almost predatory and definitely abusive way to handle situations like this. I am requesting that Capital One Bank do four things : 1 ) Refund the {$140.00} in overdraft fees 2 ) Correct the misleading overdraft option on my online banking platform relating to my business account 3 ) Resolve the situation that would allow me to move money between all of my Capital One bank accounts online 4 ) Ensure that no debit card transaction on this account will be paid if the account does not have funds to cover them it
Product: Debt collection

to XXXX concerning discrepancies in my credit report, Following a thorough investigation into my credit report, I experienced significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. Pursuant to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to employ reasonable procedures to ensure the utmost accuracy of information pertaining to individuals, it is clear that your obligations in this regard have not been met.

I am aware that according to 15 U.S. Code 1681i ( 5 ), specifically addressing the treatment of inaccurate or unverifiable information, consumer reporting agencies are obligated to promptly delete or modify such information upon confirmation of its inaccuracy or inability to be verified. Additionally, they are required to notify the information provider of any modifications or deletions made. Should you fail to provide verifiable proof within 15 days following your investigation, the accounts and/or information detailed below must be removed. 

Pursuant to 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following account lacks valid evidence and is therefore in violation. Please take the necessary steps to remove it from my credit report : XXXX XXXX Account Number : XXXX Similarly, in accordance with 15 U.S.C. 1681i ( 7 ), the following account lacks valid evidence and should be removed from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your cooperation in addressing this matter promptly.
Product: Mortgage

XXXX 2017 I applied for a refinance on my primary loan, which I was approved, after being underwater with my mortgage for about 5 years. I have been trying to do this for at least 2 years and finally I could refinance to have my 7.12 % interest rate lowered to 3.65 %. My second mortgage was with XXXX. My broker informed me that they required a subordination agreement from my second mortgage before they could complete my loan. They contacted XXXX in XXXX  2017 and was told it was approved, but my loan was being sold to Select Portfolio Servicing and they would not release the Subordination Agreement, we would have to obtain in from SPS.
XXXX  2017 SPS obtained my loan and we were waiting for all the paperwork to come from XXXX, including the Subordination Agreement. They stated after a month they did not receive it. After all the frustration of trying to get this to my title company and the broker, I requested that they start the process all over again the beginning of XXXX 2017. To make a long story short, it is XXXX XXXX, 2017 and I still do not have a Subordination Agreement from SPS. They have resent it back with every excuse, including having me down for a short sale ( A SHORT SALE WAS NEVER DISCUSSED ), the wording is not right, there are blanks that need to be removed, etc. This loan I am trying to obtain is not going to effect this second mortgage at all. But in the meantime I am still paying a 7.12 % interest rate when this should have been taken care of months ago. After about 30 phone calls all I get is I will check into it and call you back. I have never received one call back. I have to continue to call them and still not getting any closer to getting this agreement. My frustration level is an 11, it is costing me close to {$300.00} a month every time I pay on my current mortgage and I get the same response as if they are reading a script. I talk to supervisors and have called the Ombudsman department. Still no further ahead than I was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$1300.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Mortgage

On XX/XX/XXXX, I scheduled my XX/XX/2023 mortgage payment ( {$1600.00} ) with Select Portfolio to be deducted from my XXXX checking account on XX/XX/2023. However, instead of deducting this payment eight days later as scheduled, Select Portfolio deducted {$1600.00} from my XXXX checking account on the next day XX/XX/2023. On XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account AGAIN. And on XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account again. Thus, in the month of XX/XX/2023, Select Portfolio has deducted 3 payments for my XXXX mortgage payment, totaling {$4800.00}. I have contacted Select Portfolio continuously over the past 2 weeks and they maintain they are looking into it. Meanwhile my checking account is negative and other payments ( bills ) are being returned and I am being charged XXXX NSF fees ( {$34.00} x XXXX fees = {$230.00} ). I am also without much needed funds for daily living as my checking account remains negative due to Select Portfolio 's internal accounting errors. My car note is also late due to this banking error ( {$65.00} late fee ). I am requesting that all late fees and penalties resulting from Select Portfolio 's erroneous and unscheduled deductions be reimbursed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to Experian letting the company know that they are reporting inaccurate accounts on my consumer report. Experian refuse to remove these accounts and keeps saying that the accounts are Verified how can this be true when the company didn't provide any evidence to support there claim the following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a pre- arbitration along with this complaint and my previous letter I sent to Experian on XX/XX/2023. I am getting really frustrated that my consumer rights keep getting violated. Experian is not following the FCRA the above accounts are a violation of 15 USC 1681e ( b ) everything must be XXXX percent accurate.
Product: Mortgage

I have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for me.
Product: Debt collection

I never had an agreement or gave consent with the original creditor, XXXX XXXX XXXX  XXXX. or Midland Credit Management Inc. Both creditors, XXXX XXXX XXXX  XXXX. and Midland Credit Management INC. were involved in fraudulent activity. My personal information was leaked and sold on XX/XX/year> for {$1200.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate information be investigated and corrected. 

According to my records, this information is incorrect because I did not share my personal information with XXXX XXXX XXXX  XXXX. and Midland Credit Management INC.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the charge-off on my account with XXXXCOMENITY/NY & CO. According to my records, this account was closed with a balance of {$250.00} written off as of XX/XX/XXXX. I believe this charge-off is inaccurate and request that you investigate this matter and remove the charge-off from my credit report.

Describe what happened : On XX/XX/XXXX, an account was opened with XXXXCOMENITY/NY & CO under my name . However, I never opened this account and believe it was done fraudulently. The account was closed with a balance of {$250.00} written off as of XX/XX/XXXX. I believe this charge-off is inaccurate for the following reasons : Lack of Proof of Indebtedness : The creditor has not provided proof of my indebtedness, including evidence of the original signed credit card agreement. According to the Federal Trade Commission ( FTC ), creditors must provide proof of consumer credit indebtedness.

Inaccurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 of the FCRA provides me with the right to dispute the completeness or accuracy of any item in my credit report.

Texas Finance Code Chapter 392 : Debt collectors are required to ensure the accuracy of the information they report. This includes the obligation to correct any inaccuracies in the information they have reported to credit bureaus. Permissible Purposes of Consumer Reports : According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as in response to the written instructions of the consumer to whom it relates. Failure to Provide Form 1099-C : I never received a Form 1099-C for the cancellation of this debt. According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. The absence of this form raises questions about the validity of the charge-off. Actions taken : I have reviewed my credit report and identified the inaccurate charge-off. I am submitting this dispute to request an investigation and removal of the charge-off from my credit report. I am requesting that you provide me with all relevant documentation and evidence that supports the charge-off status of this account. If you are unable to provide such documentation, I respectfully request that you remove the charge-off from my credit report and update the status of this account accordingly. Thank you for your cooperation.
Product: Credit card

I responded to a credit card application on the Capital One website on XX/XX/XXXX. It was for Capital One Venture card. It was airline miles as well as " LIMITED-TIME OFFER! Enjoy {$250.00} to use on Capital One Travel in your first cardholder year '' after purchase of {$4000.00}. 

I purchased and met the XXXX  XXXX and now Capital One is saying this offer did not start until XX/XX/XXXX. The offer was on their WEBSITE ON XX/XX/XXXX. They are denying this. THIS is BAD FAITH and UNACCEPTABLE. The {$250.00} for Capital One should be extended to me ASAP. I have already filed two complaints with them and my next move is remove all money from Capital One, cancel two credit cards as well as my business credit card. I have been with them since XXXX. Thank you.
Product: Mortgage

I filed a complaint with cfpb in XX/XX/2022. After Mr. Cooper filed an answer, the file was closed. I have NO IDEA of what the intentions are with Mr. Cooper, so I filed a Qualified Written Request, # XXXX to CEO XXXX XXXX and # XXXX to Mr. Cooper " Notice of error Department/Request for information '', Both of these XXXX  's were Acknowledged in writing stating " a response will be provided by XXXX XXXX,, and XX/XX/2022 respectively. As of this complaint I have not received any kind of response from either of my XXXX, I have all the tracking information if you require. 

I am almost XXXX, I am very compromised health wise, These two XXXX  were sent with the hopes that I could have an idea regarding my home. Mr. Cooper will say I am XXXX payments behind, NOT ACCURATE!! I've made XXXX Trial payments, XXXX Post Trial payments, and I HAVE POST TRIAL PAYMENTS XXXX, ( over XXXX. ) Please help me.
Product: Credit card

I provided a copy from the IRS the 1099C and showing the Cancellation of Debt. I have been having problems with Capital one updated the system since XX/XX/year>, to have this corrected. Now my accounts are showing XXXX days late.