23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a mortgage from XXXX XXXX in the amount of XXXX on a propert valued at XXXX which was appraised by XXXX knows properties, an affiliate of XXXX XXXX, in XXXX of 2020. It was then transfer to specialized Loan Servicing. I contacted specialized Loan Servicing to find out why I was being charged pmi when my loan to value was only 35 %. They told me they would send me a letter that would explain the pmi and how to remove it and it would take about a month to receive. I never received the letter so I called them back after about 3 months. They proceeded to tell me that the reason they denied the removal of the pmi was that my loan to value was 92 % even though according to their own appraisal it was much lower than that. I asked the person how to fix it and he said he would send me a letter explaining how to get the PMI removed which of course will never get sent out or will be denied just like the last time they supposedly sent out a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Its been over 60 days and have not sent me one document or original contract.

Experian, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

Due to personal financial issues, I have had no choice but to resort to payday lenders and these high interest rate, last ditch effort loan companies. 

I borrowed {$400.00} on XX/XX/2018 at an APR of 347.5685 % and will end up paying a total of {$820.00} with my last payment on XX/XX/2018. 

I called the lender on XX/XX/2018, the date of my first payment, to inform them that I would not be able to make my first payment. I asked if they would be willing to settle on a lower payment plan or stop accruing interest. They said that there is nothing they can do and I am set on the terms of my agreement and will just have to fall behind on the loan. 

I understand that I agreed to the amount owed, but I can not afford to pay back over twice what I borrowed. I am hoping to be able to settle this debt for something around 18-20 % APR but have been unsuccessful in reconciling with Big Picture Loans.
Product: Credit card

On XX/XX/2023. I called in to pay off a 3.99 % interest rate promotion before it expired on XX/XX/2023. I chose in to pay it with an agent so there would be no mix up of what I was paying instead of paying it online. The amount was figured out by the agent and the amount was told to me by the agent to pay the promotion off on that day and the agent said it was paid. I went online to pay the new balance that was not part of a promotion on my statement date to find out that the promotion was never paid out ant the interest increased from 3.99 to 27.24 %. I had three other promotions with 3.99 % and 7.99 % interest rate for the life of the balance that they chose to pay off with my payment so they could charge me 27.24 % interest for those balances also when their payments were made on the due date automatically on the due date like it always was. They intentionally misappropriated the payment to increase the interest rate on the expiring promotion. I can not explain them paying out the two lifetime interest rate plans because they were paid. I guess it was just greed all the way around! Plan XXXX was paid out 6 days early and plans XXXX, and XXXX should still be in effect with a new balance that I was prepared to pay until this. I will never pay on this account until it is corrected!
Product: Mortgage

I AM CURRENTLY ON HOLD WITH DITECH. I HAVE BEEN ON HOLD FOR 54 MINUTES AND IVE ALREADY SPOKEN WITH 3 DIFFERENT AGENTS WHO KEEP THROWING ME AROUND TO DIFFERENT DEPARTMENTS. 
I AM CALLING FOR STATUS ON MY LOAN MODIFICATION AND NO ONE CAN GIVE ME INFORMATION OTHER THAN I NEED TO TRANSFER YOU TO A DIFFERENT DEPARTMENT. 
I BELIEVE THAT DITECH IS UTILIZING ILLEGAL TACTICS TO CAUSE MY MODIFICATION TO FALL OUT OF REVIEW AND STEAL THE HOUSE FROM UNDERNEATH OUR FEET. 
IF THIS IS LEGAL ITS DEFINITELY NOT ETHICAL.
Product: Credit card or prepaid card

Credit Karma is doing shady practices. I applied for two cards and was denied for both. What concerns me is that with the first one it said " excellent chance to be approved '' and with the second one, I was " guaranteed '' to get {$50.00} if not approved. In reality, they said it would take a month to see if I wasn't approved ( after it took thirty seconds to get denied online ), and then they said they would send a pre-paid card. That's not {$50.00}. I looked into information online and see they are in trouble for deceiving people in this manner. They were told to stop and obviously don't plan to. Now they have taken my credit score down and it seems like nothing but scams with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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: Student loan

I am filing this complaint against Fed Loan Servicing for refusing to honor 15 payments made towards Public Service Loan Forgiveness ( PSLF ). 

I have had federal student loans since XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I worked for a nonprofit organization and was making monthly payments that counted towards the Public Service Loan Forgiveness Program. Under this program, I would make 120 payments towards my loan so long as I worked full time as a teacher, at a nonprofit or for the government. During that time, I made 15 payments that counted toward loan forgiveness. My loan servicer at that time was XXXX XXXX, and I have attached the payment history that shows the payments made during that time ( see page 10 ). 

In XX/XX/XXXX, I applied for loan consolidation. On XX/XX/XXXX I received a letter from Fed Loan Servicing ( the new servicer ) that stated that my consolidation was almost complete ( see attached letter ). The letter indicated I expressed interest in the Public Service Loan Forgiveness Program and advised me of my payment plan options under this program. Nowhere in the letter was I informed that I would need to restart my 120 payments from zero due to the loan consolidation. 

On XX/XX/XXXX I received a letter from Fed Loan Servicing informing me that the consolidation was complete ( see letter attached ). Again, I was not informed that my previous 15 payments toward PSLF would not be honored because of my loan consolidation. 

On XX/XX/XXXX and XX/XX/XXXX I called Fed Loan Servicing to inquire how many payments were still needed for me to meet the 120 required under PSLF. During both of these calls, I was informed that any payments made to XXXX XXXX do not count toward PSLF because I consolidated my loans. I was never informed of this in the 2 letters I received from Fed Loan Servicing. Additionally, I have called Fed Loan Servicing on several occasions between XX/XX/XXXX and XX/XX/XXXX, and have continuously been told my my prior payments do not count. 

Since XX/XX/XXXX I have made an additional 63 payments toward PSLF ( see attached letter, note the letter was sent in XXXX and I have made additional payments since then. The letter indicates I made 60 payments ). 

I believe that Fed Loan Servicing is engaging in abuse and unfair loan servicing practices. I have made payments towards my loan and worked for a qualifying PSLF program employers in good faith. I was under the impression that my payments would count, and I was not informed until after the consolidation that they would not count. Had I known this, I never would have consolidated my loan. I am sure I am not the only borrower who is being taken advantage of by Fed Loan Servicing. In this situation, they are committing financial abuse against me as a consumer. 

As a resolution, I would like my previous 15 payments when I worked full time for a nonprofit from XX/XX/XXXX to XX/XX/XXXX, to count towards my PSLF, increasing my qualifying payments from 63 to 78 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to report this as identity theft and fraud.. this account is not mine nor did I sign anything for this account please review and delete
Product: Credit card

On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. 
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. 

I will be more than happy to issue out a credit card agreement to you. 
Please allow up to ten business days to receive it. 
We appreciate your business and your loyalty. 
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 
Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX AUTO 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 XXXXXX/XX/XXXX
Product: Mortgage

After paying off our mortgage we were due a refund and the mortgage company failed to give us our money. The company gave several excuses and hung up when we insisted on a response for our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX & XXXX Inquiry : XX/XX/XXXX XXXX XXXX -XXXX Inquiry  : XX/XX/XXXX
Product: Mortgage

In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After calling American Honda Finance on XXXX, customer rep XXXX informed me that despite all of my payments being sent by bill pay 3-5 days in advance of my payment due date, all of my payments are late. I asked to speak to someone that handles the payment posting, but was denied. I asked for a supervisor, but was told by XXXX that there were no supervisors available. I was also advised that while I could try calling again to talk to a different representative, but there would be " detailed notes of our conversation '' in the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/2020 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the Equifax Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.
Product: Vehicle loan or lease

informed bank i did not want warr covage, dealer informed them also, they did not tk the XXXX off the loan
Product: Checking or savings account

My cashapp was recently hacked blocked XXXX but somehow someone has used my card and I also disputed the purchases
Product: Checking or savings account

On XX/XX/XXXX a fraudulent transaction occurred. An online payment # XXXX to a XXXX credit card in the amount of {$4300.00} was withdrawn from my checking account. I discovered this on XX/XX/XXXX and immediately call Chase Bank and submitted a claim. I was interviewed and told them this was not my transaction. I was told they would investigate. After not hearing anything for a week I called again. They credited my account. a week later the credit was reversed. I have called every week trying to get answers. I received a letter stating the transaction information was authorized.Finally on XX/XX/XXXX I was able to connect with a supervisor named XXXX. He looked at the claim and stated that there were some red flags and would look into it. He stated that I should receive the credit, but it might take 35 days. Today I received another letter dated XX/XX/XXXX that no adjustment will be made at this time.
Product: Money transfer, virtual currency, or money service

A purchase of a XXXX and a XXXX XXXX XXXX on the XXXX site. Instead of those item, I received a small piece of plastic on the mail. You can see all proof on photos and screen shot attached to this complaint. I tried communication with the vendor through XXXX and never got a person but AI only to reply to my messages, which were very generic repetitive answers. Typical of an AI reply, useless. I jupred on several calls with PayPall asking for reimbursement but they sided with the vendor that I was nly to get the XXXX {$71.00} paid for the items if I returned the item I received, which was the yellow piece of plastic shown on the attached photo.