23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan # XXXX We refinanced our mortgage. The original mortgage and the refinance were through the same company, Loan Depot. When we refinanced they asked if we would like a check for the escrow or for them to pay off everything. We asked them to pay off everything. We were notified in XXXX that the insurance was never paid. They said they assumed the old mortgage company had paid it off - however, there was no change in company, as we used Loan Depot for the original mortgage and the refinanced one - therefore they were supposed to have paid the insurance. This was all on a recorded line. They said they were going to look into it. It's been months now, we keep calling and they say they'll look into it and get back to us, which they never do. Our mortgage is now going up by {$700.00} a month starting on XX/XX/XXXX, because of an error they made. As the insurance was not paid, they put their own lender insurance on our mortgage which was {$7000.00} ( compared to our normal approximately {$2000.00} ). We now have a negative escrow which they told us we could pay in full or pay {$700.00} a month over a years time. XXXX sent multiple reminders to our mortgage company to pay the insurance. After they never paid it, our XXXX insurance was cancelled ( which we weren't notified about - until our Escrow went negative ) and we were forced onto Loan Depot insurance without them even telling us. Now they want us to pay those much higher costs because of their mistake. Again, they say they'll look into it but never do.
Product: Vehicle loan or lease

Lost my job due to covid I am not able to pay my bills my income was reduced drastically i was filing bankruptcy I talked to ford credit and they said they would work with me soon as my dismissed bankruptcy ford credit called repo company and came and got the truck with no response and not willing to work within my means I'm a disabled vet with a fix income sold truck at auction and are preparing to sue me for a deficiency balance that I can not afford to pay on there terms
Product: Credit card

Bank Americard VISAs charging me for XXXX flight XXXX from XXXX to XXXX which took place XX/XX/2016 and returned XX/XX/XXXX. The flight was actually paid for through my XXXX card and the flight taken. Originally I attempted to book this flight on-line through a travel site called XXXX. My Visa card was denied twice by XXXX. I called both Bank Americard which said the card was fine and the travel site which said it was not their problem. Because my trip to XXXX was urgent to visit my XXXX sister, I switched to another on line travel site XXXX and booked the flight using my XXXX card. The booking was confirmed on XX/XX/XXXX, I was sent an XXXX and subsequently took the flight. I also called Bank Americard to make sure my VISA was not charged ... I believe right after I received the confirmed booking. Visa indicated my credit card had been charged and they would begin an investigation. 
I received letters from VISA Bank Americard on XX/XX/XXXX assigning me a case number and identifying a Ticket number ... the first time I was aware that a ticket might exist. On XX/XX/XXXX I received another letter from Bank Americard saying they could not resolve the dispute. The letter contained the following statement : " The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. I asked for clarification about what this meant but the customer rep refused to reply. I received still another letter on XX/XX/XXXX repeating this explanation and demanding that I pay for the ticket. At not time did I ever receive a ticket or booking confirmation from either XXXX or XXXX. In my discussions with XXXX the customer service rep indicated they had been paid by XXXX and not Visa and I should take my dispute to the travel site. I have talked to the travel site twice but have not heard anything. They seem to be a shell company owned by a XXXX, apparently standard among on line travel sites. Please note I previously paid for the XXXX flight using my XXXX card and took flight XXXX to XXXX and return. I never ever received a confirmed booking from XXXX for the same flight i originally attempted to charge to my Visa BankAmericard. It therefore seems outrageous that I am expected to pay {$960.00} for a flight for which I never received a confirmed booking or XXXX. Someone in this convoluted affair is disassembling. Bank Americard maintains they paid XXXX, although XXXX stated to me they had only been paid for XXXX ticket with my XXXX. The Travel site XXXX refuses to say if they were the recipient of a Bank Americard payment. I have spent countless hours trying to resolve this problem. I can not. Please help me get the disputed charge of {$960.00} off my Bank Americard Visa. Thank you. XXXX thr after i received a message through a travel site XXXX through which I and
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I made a voluntary delivery of a car due to illness and I moved to XXXX to the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX. The bank after the property was delivered sold the car in a month. There was a difference of {$8500.00} and agree to pay in payment plans to a company hired by the Bank. I paid for 2 years and fulfilled as agreed. In XX/XX/XXXX, I received the balance due because the wrong balance was affecting me, since XXXX XXXX XXXX did not report the payments. I asked the Bank to indicate when I had to pay to get the account at XXXX. They told me that I had to pay {$2600.00} and thus achieve the account at XXXX and it would be removed from the Experian Report Agency, since for XXXX and XXXX the Bank determined for XXXX, determined delete. I have made several arrangements with XXXX XXXX XXXX and with Experian and I have not been able to delete the account from my credit report. The Law that protects the consumer in relation to credit information is clear and states that failure to report information correctly in 45 days will be delete. The XXXX XXXX XXXX indicated that due to internal processes they did not sell the account, but that the client made his payments to a collector company, XXXXXXXX XXXX. He requested that the process that has harmed my credit history and the violations of the Law that protects the consumer be investigated. He was asked to remove the account from my Experian credit report, for violations of the Law and that currently damages me in the Experian agency.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, a credit inquiry from XXXX XXXX  was fraudulently posted to my credit report. I did not apply for any credit product from XXXX XXXX. Similarly, on or around XX/XX/year>, another unauthorized inquiry from XXXX XXXX, XXXX, appeared on my report. Earlier, on or around XX/XX/year>, XXXX XXXX was responsible for a similar fraudulent inquiry. Additionally, on XX/XX/year>, another unauthorized inquiry from XXXX XXXX  was recorded. Further back, on or around XX/XX/year>, a fraudulent inquiry and account from XXXX XXXX , XXXX. were added to my credit report, resulting in negative reporting and adversely affecting my credit. I did not authorize any of these inquiries or the opening of these accounts. They are fraudulent and need to be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to TransUnion pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account held numerous inaccuracies and incomplete information. 

VIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. TransUnion XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; these inaccurate dates are detrimental because they harm the seven ( 7 ) year length of a consumers right to removal of debt. 

2. The Date Last Payment contradicts the Date Last Active and the Two-Year Payment history. As the report reflects ; XXXX XXXXansUnion XX/XX/2023 XXXX. XXXX XX/XX/2023 XXXX. XXXX XX/XX/2023 ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. 

TransUnion failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. 

TransUnion didn't even go as far as Updating this information to reflect accuracy. 

In addition, TransUnion failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). 

Lastly, TransUnion failed to mark the account " Disputed by Consumer '', deliberately showing negligence in the investigation. 

Therefore, The multitude of violations complicit by TransUnion, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), ( " the credit bureaus must reinvestigate and modify or remove inaccurate or incomplete information ''. ) caused degrading prejudice to financial health. 

As well, in accordance to 15 U.S.C 1681i ( 5 ), the law impose that the credit bureaus are not limited to one option in making a determination. 

It is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. 

The law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. 

in short, Due process requires that If the investigation does provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then in light of the fruit of the XXXX  tree the [ I ] t MUST be DELETED.
Product: Debt collection

ERC on behalf of XXXX/XXXX keeps contacting me claiming that I owe XXXX {$440.00}. I stated on numerous occasions that Ive never had XXXX and for them to stop contacting regarding this matter because the bill doesnt belong to me. 

Ive this disputed this matter before.
Product: Debt collection

Someone else had stolen my Identity from my XXXX account and I once had XXXX get ahold of me. Because someone else had stolen my phone number and info off my XXXX account and I had to change my password and email address too. I've been through so many phone numbers to try to stop people from stealing my info and my Identity. So for you to say I owe a debt to a XXXX XXXX credit card, you really have the wrong person. Because my credit is bad and I had to get my wife to co-sign for me a vehicle to travel to and from work. I even disputed about XXXX years ago and I thought they got rid of it. I know that back in XXXX I had a problem with my social security card and I had get it cleared up through the XXXX. They tried to tell me that it belongs to someone else that was younger than me. And I had to come back the next day to show proof with my Birth certificate that the social Security number was mine since I was born back in XXXX. They had to take that number from the other person that his name was XXXX XXXX and then give it back to me. But there reason for giving out my SSN was that in their records I died 15 years from XXXX, which would have been back in XXXX I was supposedly died. So yes, I want to Dispute this debt that your company keeps saying it belongs to me.
Product: Debt collection

Debt collection company Credence Resource Management is reporting on my credit a debt of {$180.00} for XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/2021 requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out to XXXX, requesting the method of verification on XX/XX/2021 to the credit bureaus and was told I could reach out to Credence Resource Management directly. I sent another letter directly to Credence Resource Management on XX/XX/2021 requesting proper validation of debt. In response, I received a letter dated XX/XX/2021 stating that the dispute was received, and verified as valid, but no proof was provided. They then proceeded in request for me to call them directly by phone. But why, when I have established communication in writing by mail? I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX. The related company is coinbase. My issue is that I am unable to withdraw USD back into my bank account from my Coinbase wallet. The reason being is I do not have an SSN so I can not verify my account. However, the coinbase didn't require my SSN before I wired money into my account. I'm a XXXX XXXX in XXXX, XXXX and I don't have ssn, but I have verified my driver license. This is so serious because I just wired XXXX dollars into my usd wallet. The following are my case numbers : XXXX, XXXX. The case has been escalated and I was told that I will be approached by a specialist. However, it has been weeks and there has been zero response. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX
Product: Credit card

There had been a restriction placed on the account previously with no explanation. I requested an explanation from customer support and received no help. I opened a complaint with CFPB. We finally received a letter from Wells Fargo and proceed to comply with the letter by taking a copy of the XXXX Income Tax return to a local Wells Fargo location. 

On XX/XX/XXXX, I found the account closed. I called customer service and received no help. The minimum payment or more has been paid monthly for 20 years ( since XXXX ). 

I want to know the reason for the closure and the criteria used to decide to close the account. This decision looks like age discrimination to me.
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock from Paypal that You can no longer do business with PayPal dated XX/XX/year>. At the advice of counsel, Im sending a polite message to PayPal with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. PayPal sent me an email telling me that I need to provide more information to re-review my account and decide if they continue my account limitations or lift my account limitations, But when I check my PayPal account, there is no option where I can send more information and proof of screenshot. I primarily use PayPal to provide online services. In addition, my PayPal is authenticated and connected to XXXX. XXXX where I receive occasional income from my online tutorial. Everything I do on PayPal is completely legitimate. None of these violate the XXXX. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service.
Product: Student loan

Company : Navient Private Student Loans XX/XX/XXXX - Submitted Student Misconduct Application XX/XX/XXXX - Sent Check in email XXXX ( no response from Navient ) XX/XX/XXXX - Sent check in email 2 ( no response from Navient ) XX/XX/XXXX - Navient response with automated message - please allow 60 days for review. 

I feel as though Navient is prolonging decision making due to the coming election and that they've had ample time to review. I was advise to check in/ submit a complaint 30 days after submission. ( The Project on Predatory Student Lending ) I also was just added/approved to the class action members of the Sweet Vs Cardona case .

The Navient loans at hand serviced the same school / time period that have been found to be fraudulent and predatory by the federal government ruling of Sweet VS Cardona, Department of Ed and Biden Administration. These parties have provided forgivness to all of my federal loans. These private loans are no different, only serviced directly through Navient and should also be forgiven. 

I would like more clear communication with non-automated responses from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe, that my personal information was stolen by somebody and I was victim of Identity Theft.
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 : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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

This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.
Product: Credit card or prepaid card

- XX/XX/22 - Opened a XXXX XXXX XXXX Credit Card ( AMEX ) -Since then I have been trying to connect that card to my XXXX XXXX Account -I have earned over 80k XXXX  points XXXX however, AMEX and XXXX are unable to connect my accounts. If they can't connect the accounts, they are unable to give me the points. 
-In addition, I have already paid the credit card membership fee and have been unable to use any of the card benefits. 
-I have contacted AMEX and XXXX XXXX XXXX times ( in chat and phone ). They promised that they would get this issue resolved. However, they have not done anything yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, XXXX, and Transunion report under the account named ( they have incorrect account numbers as well this should not be reporting ) this account was reported from XXXX it is XXXX. 

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

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

I am, and have been for many years, struggling to deal with my student loan servicer, Navient. I have never defaulted on a loan, it is my highest priority to ensure that my loans are paid each month since I graduated in 2008. They have offered no flexibility at all. They have put me through interest only payments and forbearance in the past, which has significantly increased my overall amount on already inflated loans. They allowed for me, as a young person, to take loans with no cosigner, not understanding the impact, yet I have been taking responsibility for my commitment. I have been enrolled in a 6 month rate reduction program several times, and currently am. But I am going back and seeing documentation where they actually put a bulk of my loans in forbearance, which I DID NOT agree to. Also, when I called six months ago to reenroll in rate reduction, they told me what my " reduced '' payment would be, which was more than my original payment anyway. When I ask for documentation or notification of why they just say things like the government controls the rates. I NEVER receive paper mail for then regarding ANYTHING on my account. The ONLY communication I get is an email stating when my monthly auto pay is coming out, they love to only communicate when it is about the money you are giving them. For years and years I have just taken it and given them my money, at the mercy of whenever they want to change the rules. They never provide the documentation requested. I just scheduled an auto pay TODAY and they wouldn't even provide documentation show the change of date for my account. They rarely provide documents, even when asked, and the agents are trained customer service reps, they are not qualified or versed in explaining details, it just doesn't happen. I don't know what else to do or where to go for help. I ALWAYS ensure this bill is paid, yet they WONT work with me and have signed me up for things like a forbearance without my permission and stating I was being placed in rate reduction. It is all so confusing to begin with, but they keep doing things on the account that are making my financial wellness worse off. Now I am being told my loans are going to another servicer and I have no choice in the matter. The SAME issues presented in the lawsuit again them servicing federal loans is also happening to me, and MANY others, with their private loans. Someone please help. Is there anything to protect us that were forced into privately borrowing.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and buy a home. It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. I am asking you to verify as accurate : ( acct name and number ) XXXX XXXX XXXX XXXX XXXX XXXX