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

Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX  credit score (  over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX REGIONAL ACC XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX/XXXX  XX/XX/2020
Product: Credit reporting or other personal consumer reports

Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws, my personal info was breached. Violates the contract, renders null/void.
Product: Student loan

I emailed Navient after I submitted renewal of Income Based Repayment Plan after the company rejected my renewal application due to my income not being qualified as a financial hardship. I asked if the interest on the loans would capitalize. This is what the company wrote : -On XX/XX/2020 : " Your interest will not capitalize so long as you renew your Repayment Plan prior to your current plan expiring. If, in the future, you decide not to renew, your interest will capitalize. '' XXXX XX/XX/2020 : " You are still considered to be in IBR plan for loan forgiveness purposes. '' XXXX XX/XX/XXXX Navient capitalized the interest on the loan in the amount of {$6500.00}. 

I re-applied for IBR before the deadline, and I was told that I'm still in the IBR program and that interest would not be capitalized. The company should not be able to capitalize the interest when I reapplied in time and told me it wouldn't be capitalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX   XXXX ,   XXXX   Credit Bureaus (  XXXX / XXXX /  XXXX   ) To whom it may concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  Navy Federal (  Signature Loan )  XXXX  Verification of 13 late payment on :  XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   Navy Federal   (  Auto Loan  )   XXXX  Verification of  19  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   Navy Federal  (  XXXX  )  XXXX  Verification for  7  late payment on :  XXXX ,  XXXX ,  XX/XX/XXXX   XXXX ,  XXXX  XX/XX/XXXX  Navy Federal   (   XXXX   )   XXXX  Verification for 7 late payment on : XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX  Thank you  XXXX   XXXX
Product: Credit card or prepaid card

The credit account was opened, in XX/XX/XXXX after a solicitation was sent to my home address. there was a required processing fee and annual fee, that came directly out of the initial credit limit of {$300.00}. The first months payment was made in full, and on-time XX/XX/XXXX. An automatic payment schedule was created, to pay the entire statement balance that was to take place before the due date, of the XXXX of each month. After using the card, and accumulating a balance due on the XX/XX/XXXX bill, I continued to check to see when the automatic payment was going to take place. On the XX/XX/XXXX, I checked, and did not see the automatic payment going through, so I made a payment using my debit card, to ensure no late payments on the account. Shortly after making the debit card payment, I received an email, stating that the automatic payment was going to take place, and that there was nothing I could do to pay it. two payements were made, in the amount of XXXX on XX/XX/XXXX, which over-paid the account. 

On the XX/XX/XXXX, I checked my account, and noticed that NONE of the funds I had paid, were available, to find out that the accounts restricted as a result of the overpayment. I instructed the company to close the account, and send me a refund. They stated the account would be closed. I called back 3-5 days later, to inquire about when they would be sending me a refund check for the overpayment, to find out the account had not yet been closed. the funds from the ACH automatic payment, had not been verified, and took up to 21 business days. after a long phone call, I was finally able to get the to verify the funds with my bank, who verified that the funds had come out of the account, and could not be reversed. customer service stated the account had been closed, and that the refund check would be sent out. I have called no less than 5 times since XX/XX/XXXX, to inquire about the account being closed, to continue to get different answers about the account being closed, and a refund check being sent out. some have said it takes 30 days to be sent to accounting and 30 days for accounting to issue a refund check, and some have said 14 days total.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - {$3800.00} - XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX| |EQUIFAX| |COLLECTIONS : - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX   XX/XX/XXXX XXXX XXXX |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX
Product: Mortgage

I bought my home in XXXX of XXXX prior to entering into a new military contract for XXXX XXXX. I made an agreement with mortgage lender for Covid forbearance and was guaranteed that once my issue was resolved I would be approved for a loss mitigation option. My new mortgage lender which is Flagstar bank that the loan was transferred to the following year XXXX, had made an agreement to uphold that. Unfortunately they have now denied all loss mitigation options. I am military member and I am protect under SCRA which prevents foreclosure against XXXX XXXX military members with out a court order. They also have to give me 90 days once the house is in default. The company is trying to give me no option to keep my home and have even released information to real estate agents offering to sell my home which is violation of my privacy. I accepted the Covid forbearance with the guarantee of loss mitigation option to keep my home and they have not upheld that agreement. I have served for my country and would like the option to keep my home and them to do the right thing.
Product: Credit reporting

Have a DR using my name also a address in XXXX. I do n't know anything about these???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit report and found a discrepancy involving an account that I believe is incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccuracies or incomplete information. 

The specific item in question is listed as XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edu XXXX XXXX, Dept of edu XXXX XXXX Dept of edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, on my credit report, which I believe to be inaccurate. I am requesting that you investigate this issue and correct any errors immediately.

According to 15 U.S.C. 1681s-2, as a furnisher of information to the credit reporting agencies, you are required to report accurate and complete information. If any of the information provided by you is found to be inaccurate, you are obligated to correct it or notify the credit reporting agency to delete or update the entry.

Additionally, under 15 U.S.C. 1692g, I request that you provide the necessary documentation to validate the debt in question. Specifically, I would like to see proof that this debt is mine, including a copy of the original agreement, account history, and any supporting documents that substantiate the claim made in my credit report. 

If this matter is not resolved or if you do not respond within the legally prescribed timeframe, I will take further action to protect my rights. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please be advised that I am exercising my rights under the FCRA to ensure that my credit report is accurate and fair. I expect a written response within 15 days of your receipt of this letter, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I am receiving emails from Capital One Credit Card for a XXXX XXXX, her credit card personal information. I do not have an account with Capital One. I have contacted Capitol One on several occasions and asked them to stop sending her credit card personal information to me. Listed below is a copy of the emails I have recieved within the past 2 months and a detailed email with her information. I have unsubscribed on the email and are still getting them so this is my last resort on how to handle this situation. Detailed email Sign In Your Capital One statement is ready. About your account ending in XXXX XXXX XXXX, Your statement is available. If youre ready, you can make your payment now. Statement balance : {$500.00} Minimum payment : {$180.00} Payment due date : XXXX XXXX, 2017 by XXXX XXXX ET You can also review your account summary and pay your bill with our mobile banking app. 
View Your Statement Make a Payment Did you know? Paying more than the minimum amount due on  your account each month can save you money in finance charges.
Product: Mortgage

Our closing date had been set for XX/XX/19 since Mid-XX/XX/2019 . Sofi received the Preliminary Closing Statement from XXXX XXXX on XX/XX/19. I asked multiple times to see the Closing Disclosure starting on XX/XX/19. The last time I heard from anyone at Sofi about the CD was on XX/XX/XXXX at XXXX CT after I had to ask yet again. I was told "It may be a bit later this evening, but it will be out today". This violates the 3 day rule we get to review the closing documents. This will cause a domino effect where we, the borrowers, need to spend thousands of dollars to move out of our current home, storage our items, find housing, pay for pet care, pay for food, then hire movers again. Between myself, my realtor, my home building company, the title company we have all reached out to management via email and phone with no response until XXXX CT on XX/XX/XXXX. The response received was confirming they will contact an appraiser and did not address any other issues. Also, Sofi does not accept any type of Escrow Agreements for new construction, which should be communicated upfront. The appraiser they hire should be looking to make sure everything is complete to report a possible problem ahead of closing. As of XXXX CT on XX/XX/19 (Friday) we do not have a Closing Disclosure for a loan that was scheduled to close on XX/XX/19 (Monday).
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XX/XX/2022
Product: Mortgage

We have a {$3000.00} credit balance that the company won't apply. So, I called Cross Country Mortgage to correct the problem. However, THE IDIOTS AT CROSS COUNTRY ONLY PUT ME IN AN ENDLESS LOOP OF COMPUTER ANSWERS. NO MATTER WHAT I CHOOSE, THEIR SYSTEM JUST KEEPS RUNNING ME BACK THROUGH THE SAME VOICE RESPONSES. THEY DO NOT PROVIDE ANY MEANS WHATSOEVER TO SPEAK TO A LIVE PERSON ABOUT A PROBLEM THAT ISN'T ON THEIR MENU!!!!!!!!! 

THEY ARE HOLDING OUR MONEY AND WON'T RESPOND TO ANYTHING THAT'S NOT ON THEIR COMPUTER VOICE MENU!!!! 

IN OTHERWORDS THERE IS ABSOLUTELY NO CUSTOMER SERVICE WHATSOEVER!!!!!!!!!!!!!!!!!!!! 

THEY SHOULD HAVE THEIR LICENSED REVOKED!!!!!!!! 

CAN I FORCE THEM TO SELL MY MORTGAGE?!!!!!!!!!!!!!!!!!!!!!!! 

I HATE THEM!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

Junk debt buyer sent me an email to confuse me. The judge ordered arbitration to settle. dispute. The arbitration demand was filed with XXXX XXXX. We already did court ordered mediation. The Junk debt buyer try to confuse me by not notifying me that she is a Junk debt buyer via her email. She failed to communicate with me in the email that she is a collection agency trying to collect a debt. I want {$500.00} to settle her violation.
Product: Credit card or prepaid card

We made a purchase in the amount of {$3500.00} with our discover card. 
The merchant did not produce the item we purchased, also they fraudulently signed out name to a line of credit, we notified the AG office, State Department and also the FTC.

We reached out to discover to open a dispute of the charge. At no time did they ask us for documentation. They reached out to the merchant and all they did was provide the contract we signed, they did not show proof of good received nothing. We got a letter in the mail from discover closing the dispute stating the charge stood. 

We reached out and asked them how this could be supplied them with extensive documentation and they did not reopen the cases, nor did they review any of the documentation supplied and told us we needed to reach out to the merchant getting a letter stating they owed us our funds back. 

We can't contact them! There is no valid contact information they are unresponsive and why we have filed a report with the FTC. This is absurd. Discover is ruling in favor of a merchant who not only scammed us but took us for identity theft.
Product: Mortgage

I tried to contact BANK OF AMERICA Loan department and after 2 months and no answer i don't know what to do anymore. 
All I need is to talk to the loan agent on my loan to get the taxes included in my monthly payments, nothing difficult ..BUT BANK OF AMERICA does not have the person in charge return my calls.. and nobody else can't help because ONLY ONE PERSON CAN HANDLE THE LOAN ... .. very frustrating the customer service at BANK OF AMERICA. 
Where do I go Now ... ..I am hostage of BANK OF AMERICA ... . 
PLEASE HELP. 
THANK YOU
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name Self Financial XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX signed up to get credit or a loan through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX  XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Investigation has taken longer than 30 Days No Results for Dispute date XX/XX/2021 Incorrect Reporting Duplicated Accts Affecting Debt utilization and derogatory reporting Called XX/XX/2021 Wants to reinvestigate account they failed to verify and Validate For Child Support enforcement that instead of removing duplicated amount
Product: Credit reporting or other personal consumer reports

FRAUD INQUIRIES ON MY ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX THESE ARE FRAUDULENT INQUIRIES AND ARE UNKNOWN TO ME AND ASKING FOR REMOVAL OF THE UNKNOWN INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still inquiries that need to be removed. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had an account with Chime. I was trying to send money to a friend who was at the airport and needed some funds for her and her kid 's luggage. After that was all finished a few days later I get an email stating my account was locked and I needed to provide documentation that it was my account and apparently I have other accounts as well which is entirely inaccurate. They closed my account with funds inside
Product: Debt collection

XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.

XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX   has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.

After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature
Product: Mortgage

( SEE ATTACHED DOCUMENTS ). I am seeking relief from a Interest only ARM loan that I received from Wells Fargo Mortgage ten years ago. Over the last several years I have sought relief from Wells Fargo Mortgage. In XXXX I received a temporary two year loan modification from Wells Fargo. I expressed my concern regarding the temporary status of the loan modification and was told I could submit a new modification loan application 30 days prior to the expiration date. XX/XX/XXXX I submitted a loan modification for both my mortgage loan and my equity line of credit loan and was denied. In XX/XX/XXXX my monthly mortgage payment increased by more that $ XXXXmo from $ XXXX to $ XXXXmo, XX/XX/XXXX my line of credit loan increased from $ XXXX/mo to $ XXXXmo. I submitted another loan modification in XX/XX/XXXX. I received a modification on the equity line of credit loan reducing my monthly payment from $ XXXX/mo to $ XXXXmo but was denied a loan modification on the mortgage loan because I had already been granted a loan modification. Wells Fargo failed to inform me verbally or in writing that acceptance of this loan modification would render me ineligible for future loan modifications, matter of fact they informed me of the opposite. My situation is outlined in letters I have sent to Wells Fargo President/CEO XXXX below.