23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issues with Wells Fargo from loan application all the way through processing and closing which is now effecting us in payments a year down the road. XX/XX/XXXX we closed. During the process, we locked in our rate during origination and then to be told during processing our rate is allowed to change. We had to escalate up two levels of management because our rate increased and Wells Fargo said that was allowed to happen even when rate was locked in. We were finally after a week of restlessness able to get our locked in rate approved. We also had a few issues during closing, a couple fees appeared shortly before closing that had not been on the closing disclosure before. Those however we ended up paying because they would not remove no matter how hard we tried. I wrote Wells Fargo corporate on the unethical business practices to be told nothing would be done by their complaint department. If I wouldnt have previously worked in the mortgage industry they would have completely been able to take advantage of me. Now in late XXXX we are struggling to pay our mortgage here to find out that our property taxes doubled ( extremely unlikely this being initiated by our county ). Wells Fargo refuses to take responsibility for not accurately having our property taxes on our closing disclosure making our mortgage increase {$500.00} per month for the next year from our original amount. After 12 months we will still be {$300.00} more than originally paying. This is an additional {$100000.00} over our 30 year loan from our closing mortgage monthly payment. No one is able to tell me why or how this happened at Wells Fargo. There were people in the house prior, not new construction, and the previous owners had no special tax savings that could have otherwise affected our property taxes. This would have greatly changed our decision to go through with this home purchase if this would have been the monthly mortgage amount as this significantly straps us financially even without the increase in daily living due to the pandemic. Our mortgage has increased XXXX of the original amount signed at closing. I understand minimal increased based on county tax increasing however our county taxes have not increased. Wells Fargo did an escrow analysis based on the negative escrow balance to find out they missed something during closing.
Product: Credit reporting

on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores.
Product: Credit reporting or other personal consumer reports

I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. XXXX  XXXX postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by XXXX XXXX XX/XX/XXXX TransUnion and XX/XX/XXXX XXXX. I had XXXX XX/XX/XXXX, removing XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX to allow swallowing better. XXXX XXXX XXXX and acute XXXX was found XX/XX/XXXX at XXXX XXXX and another on rt side located XX/XX/XXXX. XXXX XXXX XXXX XXXX urgent care ). XX/XX/XXXX I had urgent care XXXX  due to respiratory XXXX from XXXX. I'm on XXXX and have XXXX and XXXX. I applied for no credit for already existing accounts with XXXX XXXX, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXX. XXXX XXXXXXXX card is also Infrequently used. I have had to replace XXXX due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and TransUnion were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify XXXX to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.
Product: Credit card or prepaid card

I purchased train ticket XX/XX/XXXX for a ride XX/XX/XXXX. Like most people do, I purchased these tickets ahead of travel. When we got to the train station we had an issue where they said we would be refunded and to purchase a new set. We did this and I worked with the train company for 2 months with no response back. I filed a dispute in XXXX with Chase. They first responded to me XX/XX/XXXX that they received it. They called me at least 5 times as well as emailed me twice for the same information which I provided the receipt of the new tickets and details of the events. In XXXX I called back and the customer service representative said on the phone that the dispute was accidentally closed out even though I had sent all information in the correct time period. She reopened and had me fill everything out again. XX/XX/XXXX I was informed that it had taken too long. Why when I spoke to XXXX different people on the phone and XXXX emails did no XXXX advise this? There are several recorded lines of this not being mentioned at all. I have proof of purchase of the other tickets which were purchased XX/XX/XXXX. I have spent over {$25000.00} in less than a year with this company and I feel like they really dont care. I said I would like to close my card because of this and the associate did nothing to try to keep my business just closed my card like that. This isnt fair at all and I want my money back.
Product: Bank account or service

On XXXX XXXX BB & T ran a hard inquiry on me when I was trying to open an business checking account under my XXXX XXXX and I gave them my tax id number. Now I have a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

every time i try to use the care-credit card it does not go though, esp if you need to use it in the ER
Product: Credit reporting, credit repair services, or other personal consumer reports

Lincoln tech is reporting 4 missed payments and I'm paid in full. I was only late one time. I've called them and ask them to change the way they reported. They would not help me. 
Late XX/XX/2019 Paid in full XX/XX/2019 Still reporting opened and late 4 missed payments
Product: Credit card or prepaid card

On XX/XX/XXXX we booked through XXXX 4 tickets from XXXX for XX/XX/XXXX, with their insurance " XXXX cancel for any Reason guarantee ''. On XX/XX/XXXX we called and cancelled the tickets and they told us refund is on the way. No refund so we called on XX/XX/XXXX, they told me refund will be in 2-3 days and I did request them to send confirmation of our cancellation by email. Until XX/XX/XXXX no refund, and we called, not a physical person is answering. So we have to call our credit card " Barclaycard '' for dispute on XX/XX/XXXX. On XX/XX/XXXX our credit card was rebilled, as XXXX states that no record that we didn't receive service. And they said that we can have 80 % refund to Barclay. We feel very frustrated to deal with both XXXX and Barclay. XXXX is lying about everything. We have been trying to contract them for multiple time through phone. No physical person will answered the phone. And because of non refund that's why we ask dispute from Barclay. Then from Barclay side, the investigator didn't check with us at all when they got one side the fake story from XXXX. And when I try to call Barclay, the rep on the phone will never transfer me to investigator. The reason is because they are in back office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for the incorrect items on my credit report and have not gotten a response and it has been 30 days past due.
Product: Debt collection

Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL  to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

Requested a refund for student loan payments made during the forbearance period. Still waiting for refund with no communication from EdFinancial.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX
Product: Debt collection

Billed service date : XX/XX/2023 Paid off date : XX/XX/2023 directly to XXXX XXXX before being sent to USCB America XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX - Account # : - XXXXXX/XX/XXXX - Account # : - XXXX XX/XX/XXXX- Account # : - XXXX XX/XX/XXXX- Account # : - XXXXXX/XX/XXXX - Account # : - XXXXXX/XX/XXXXXXXX ( Original Creditor : XXXXXX/XX/XXXX - Account # : - XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXXXX/XX/XXXX ( Original Creditor : XX/XX/XXXX) Account # : - XXXX XX/XX/XXXXAccount # : - XXXX XX/XX/XXXX Account # : - XXXX {$690.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

Debt collector is emailing me about a debt I have no knowledge of. I would like ceist all communication and deletion of account from my credit report.
Product: Student loan

I have had the student loan for almost 30 years. When Navient received the student loan years ago, I started noticing my payments were not making a dent in the principal that I owed. Ive been making payments steadily for around 20 years and I believe Navient has taken money from me illegally and caused me to still have an extremely high balance of almost {$16000.00}. 

My balance has not decreased in many years and I believe they have taken my money. I have been paying around {$380.00} per month consistently for over 20 years and it does not decrease hardly at all. XXXX. I need to discuss this with someone as this is ruining my life and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not aiding me in removing fraudulent items on my credit report. I have sent Equifax all necessary documentation for them to block and remove the information from my credit report and Equifax has been negligent. The fraudulent items on my credit report are Dept of Treasury and XXXX XXXX XXXX. My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.
Product: Payday loan, title loan, or personal loan

In XXXX I took a personal loan for {$10000.00} with Springleaf finance which was sold to One Main Finance.  My payment was {$220.00} up until XXXX XXXX I was paying additional payment {$75.00} for 12 years. I spoke with One Main to find out why my balance is still {$4800.00}. I was told it was because it was being applied to Finance charge which was never the agreement! Was told that the {$75.00} would be applied to pay this loan. I have never made a late payment. I am XXXX XXXX XXXX veteran think I have be ripped off by both these companies. # XXXX
Product: Debt collection

Attempted to establish contact with debt collector by mailing a letter to them. No response was sent back nor did I receive any follow up information of account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Debt collection

Its an item on all Three credit bureaus for the amount of XXXX .i dont know who this company is. They never contacted me and I never received a response
Product: Debt collection

Credit collection agency states I owe these two collections however when I sent validation of debt, they are unable to verify. This is a FDCPA violation of my rights. I demand these two collections be DELETED off my credit report immediately. They say they cant verify my information and I need to provide more but that is not my job to give them information.
Product: Credit reporting or other personal consumer reports

I recently noticed that an ex friend used my name and social security to obtain a XXXX  loan. I am listed as who the loan was approved for which is false and I DID not consent. She has apparently been making payments on her own while pretending to be me. I want this resolved and me removed from this loan as soon as possible. Im not sure how to go about fraud and who or where to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to delete the following information in my file. Also attached below are a list of the The items I need deleted. As well as the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I can move forward with my life. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!
Product: Credit card

Yes, I have called multiple time. In order to make a dispute for the transaction that I didn't make, I only made the success of getting a new card but I had to wait about an hour just to get help. and the rep has told me to called again once everything has been posted for the unauthorized transaction. and once I called again it was another hour of waiting, in order to get help and once they transfer me to a new department I had to wait about another 30 mins but i never gotten help so i had to hang up the phone and i was tired of waiting!! this is getting out of control, I have other things to do as well. Other than that I need these transaction gone from my statement since i didn't do it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got scammed out panda buy delivery for XXXX $ and they only gave me XXXX $ back they deleted the account and had to make a new account
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681y ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

A fraudulent checking acct was opened at Citibank and used to hack into my XXXX XXXX acct and steal my direct deposit. The XXXX XXXX social security is investigating. The fraudulent person ( s ). Opened acct under different name and soc sec number but was able to funnel my direct deposit to that acct. I have also filed a police report with local police in XXXX XXXX sheriff dept. The criminal has stolen 4 months of direct deposit enclosed are the complaints filed with both banksof identity theft from my chime direct deposit chime checking account. This has been going on for almost 4 months. My ssi ( social security ) is somehow being routed to an illegal account at another bank where fraudulent party has established a fraudulent account. I am in touch with local and national authorities to remedy this m atter. What I need as a chime customer is information on what date the change occurred ; sometime between XXXX and XXXX of this year. I believe that your firm should have record through perhaps your internet acct dept or through another dept that would handle direct deposits is the receiving bank of such. Please consider this a complaint request. Please also return this message with any and all steps that you can take to remedy this problem. The amounts missing are as follows XXXX XXXX $ XXXX {$1600.00} XXXX {$1600.00} XXXX {$1600.00} ( cola increase )
Product: Debt collection

A rep calls everyday, reminding me of the medical debt. I let them know that I do not have it right now, they reply when you think you are going to have it. I let them know that I am unsure about the date when funds are available. They continue with we all have basis needs but I need to pay the debt right away. I explained that I am still seeking treatment for the issue and as soon as I get some money I will pay them off. The amount is {$75.00} to XXXX XXXX. I have paid {$25.00} since time of service.
Product: Vehicle loan or lease

My car was totalled on XX/XX/2021. I received a letter from XXXX XXXX XXXX processing Dept stating that the remaining balance of my loan was paid. I received a letter from Credit Acceptance Corp dated XX/XX/2021 stating that there was still a balance but didn't state the remaining balance owed in the letter. I called Credit Acceptance Corp and was told that I still owe a payment of {$1200.00}. I checked my credit report and XXXX XXXX is still reporting a balance of over {$3200.00}. 

According to the letter from XXXX XXXX XXXX, this loan is paid in full. They covered the remaining balance after the primary insurance pay out