23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home sustained hail damage. My insurance company issued a check to me for the repairs in the amount of {$41000.00}. The check needed to be endorsed by my mortgage company, Pennymac. I overnighted it to them XX/XX/XXXX. They didnt log it as received until XXXX. It then took them until XX/XX/XXXX to issue the check back to me. It took 4 phone calls to get that to happen. In the meantime I had paid contractors over {$28000.00} out if my own pocket for repairs related to the hail damage. 
When I received the check it was payable to my husband, who had recently passed away, even though the check from the insurance company did not have his name on it. I couldnt deposit it with his name on it, so I called and asked for it to be reissued in my name only. They agreed to do so. That was XX/XX/XXXX. 
I called again XX/XX/XXXX because I still had not received anything. A woman named XXXX said it appeared they had dropped the ball because it was approved to be sent on XX/XX/XXXX but nobody sent it. She said she put in a request for expedited action so it would be overnighted to me on Tuesday, XX/XX/XXXX, to be received Wednesday, XX/XX/XXXX. 
On XX/XX/XXXX I logged in to my mortgage and could see that no disbursement had been made, so I called again. This time I was told the request had just been put in yesterday and it would be 6 more business days for that request to be processed. I demanded to speak with a supervisor. I was placed on hold for approximately XXXX minutes and then was told that I could not speak with a supervisor but that the supervisor said the check would be overnighted that day to be received Thursday, XX/XX/XXXX. As I sit here at XXXXXXXX XXXX I am logged into my mortgage account and can see that no disbursements were made today. 
How are they able to just keep MY money? Its been 6 weeks. Im now not only out the {$28000.00} that Ive already paid my contractors but now Im getting bills for the rest of the repair work. Im beyond frustrated that they can just hold money that belongs to me for repairs to my house because nobody there seems to know how to do their job.
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXXXXXX XXXX nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX. XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Mortgage

I regularly send direct principal payments to my mortgage servicing company, Caliber Home Loans. I have been making additional payments for greater then 20 months. For 17 of 20 months the additional payment has been applied the day of or 1 day after to my account. In both XXXX and XX/XX/XXXX ( and another month in XXXX XXXX the mortgage servicing company has directed the funds to " unapplied funds '' line item ; in practice holding my money and not applying it as directed to the principal of my mortgage in a timely manner ; costing interest. 

I have contacted them on each occasions with different answers from agents on each successive time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

I TOLD XXXX TO REMOVE XXXX XXXX XXXX ACCOUNT # XXXX DATES XX/XX/XXXX BUT XXXX RESURFACE THE DATE TO XX/XX/XXXX THAT IS A VIOLATION IN THE CONSUMER LAW RIGHTS YOU CAN NOT CHANGE DATES ON A COLLECTION OR CLOSE ACCOUNT I UPLOADED PROOF OF THEM CHANGING THE DATES AND THEY MOVE IT FROM COLLECTION INTO A CLOSE ACCOUNT IS A VIOLATION
Product: Debt collection

XXXX XXXX XXXX 
(Capital One)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report late payments on closed accounts which have been disputed by me as incorrect reporting between XX/XX/XXXX-XX/XX/XXXX.Equifax has repeatedly failed to do a reasonable investigation and/or provide their method of verification for these alleged "verified" inaccuracies.The following accounts  still include errors and/or possible violations of the FCRA.•XXXX XXXX XXXXa)Account closed XX/XX/XXXX;(29) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date of Last Payment inconsistent with Payment History.c)Balance $XXXX larger than High Balance/High Credit of $XXXXd)Balance being reported on a Sold/Transferred account.e)Date closed incomplete•XXXX XXXXa)Account Closed XX/XX/XXXX; (7) Late payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date closed incomplete•XXXX XXXX XXXX a)Account closed XX/XX/XXXX(31) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has obtained inaccurate information from a third party vendor called XXXX. XXXX realized their mistake and deleted this information. I have sent TransUnion a certified letter asking them to remove this inaccurate information/ dismissed Bankruptcy because it longer exist. Bankruptcy XXXX.
Product: Mortgage

I've applied for a refinance loan through XXXX XXXX at an interest rate of 2.75 %. After all the paperwork had been submitted ( sometimes twice ) they moved from XXXX XXXX  to XXXX XXXX which required more information further delaying the process. During this time the interest rate dropped to 2.5 % and per the XXXX  policy, if the consumer contacts them to acknowledge the drop in interest rate, XXXX  is obligated to lock in the lower rate. During the week of XX/XX/XXXX I contacted one of the people working on my loan to alert them of the lower rate and on their recorded line, they confirmed that they my rate was now locked at 2.5 %. I either spoke to XXXX XXXX, XXXX XXXX or XXXX XXXX all of whom were working on my loan. The only thing left was to complete an appraisal on my home which was scheduled for XX/XX/XXXX. During this time interest rates began to increase once again, currently at 2.875 % The appraisal was conducted on schedule completing XXXX requirements. A few days later I was contacted by XXXX XXXX who told me that XXXX XXXX had been sold to Guaranteed Rate out of XXXX IL. and that there was a chance that I may lose the 2.5 % interest rate that XXXX  had previously committed to on a recorded phone line. I was asked to wait for a week while they sort things out which I did. When I reached back out XXXX XXXX to ask what was going to happen he told me that Guaranteed Rate would NOT hold the interest rate that XXXX  had previously committed to and that it would be at the new higher rate. 
I find this to be a breach of verbal contract. I've submitted everything that they required of me in good faith in return for a financial product that they committed to prior to the change of ownership of their company. The obvious solution during a transfer of ownership would be to honor any applications in process, especially those that have nearly been completed and go forward with current market conditions thereafter. 
As a consumer, we are required to sign all sorts of legal binding documents that protect the lender but where are our protections as a consumer when it comes to commitments made to us. I'm hoping the Consumer Financial Protection Bureau can intervene here to cause XXXX XXXX, now Guaranteed Rate, to operate in an ethical business manner and fulfill their committed obligations. 
The loan number they issued for this application is # XXXX and XXXX # XXXX
Product: Money transfer, virtual currency, or money service

Square Inc. Refuses to return my money. I did not authorize any transaction where all of my money would be taken, who would? I had to file two complaints. The second complaint was resolved first and faster than the first complaint. I'm currently getting replies with copies of their policies. At first, the replies asked for more verifications. I've have never received help from this company, within days and weeks of them taking my money, they never helped me. Now I'm getting policies! Within days and weeks of me contacting them through customer service, they never helped. I wanted to have access to my account through their app and I just got the run around. And now they take all of my money. I need to know who is the right person that needs to hear my case? Who understands that since they never helped me to begin with, why should they keep my money? I have paperwork flooding with verification after verifications. I did everything they asked me to and still get nothing in return and loss more.
Product: Credit card or prepaid card

I experienced a hardship during a natural disaster ( hurricane ). I spoke to a representative at Capital One and was advised of a deferred payment due to this hardship. As a result of this i suspended my automatic payments for this account. I realized about a month later that this non-payment in XXXX is now being reported late. I spoke to customer service and was advised this would be corrected. Two months into the investigation i received a letter for capital One stating nothing could be done. I think this is unfair and should have been handled differently by the representative ; i think giving out false information at the time of my hardship and saying i had one less thing to worry about was horrible and showed how uninformed the customer service rep was at the time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I entered into a loan agreement with NetCredit, where I was required to make bi-weekly payments of {$110.00} at an annual percentage rate ( APR ) of 98.66 %. To date, I have made 46 bi-weekly payments totaling {$5100.00}. This amount significantly exceeds the original loan principal of {$2700.00}. However, despite these payments, the payoff amount still stands at {$2400.00}. 

I believe the terms of this loan are unmanageable and unfair due to the excessive interest rates and fees imposed. Despite paying more than the original loan principal, the balance remains disproportionately high, making it nearly impossible to meet the ongoing payment schedule. This raises concerns underXX/XX/XXXXUsury Laws, which cap interest rates at 18 % for loans under {$500000.00}, with anything above 25 % being classified as criminal usury. The 98.66 % APR charged on this loan far exceeds these legal limits. Similarly, XX/XX/XXXXUsury Laws, where XXXXXX/XX/XXXX XXXX XXXX ( XXXX partner ) is headquartered, limit interest rates to 8 %, and any agreement charging more than 25 % APR is considered criminal usury. The 98.66 % APR on this loan also exceeds XXXX legal limits. 

I believe this loan falls under predatory lending practices designed to trap borrowers in a cycle of debt with unmanageable terms. These practices mirror other legal cases, such as Fleming v. U.S. Auto Credit Corp., where similar interest rates violated state usury laws, and State of Colorado v. CashCall , Inc., where a lender structured its business to bypass state usury laws by partnering with out-of-state banks, leading to predatory lending charges. 

I have asked NetCredit to void and close my loan account, but they have refused, stating a past due balance of {$1200.00} despite the fact that I have already paid more than the loan principal. I am concerned that NetCredits business model is designed to bypass state usury laws through its partnership with XXXXXX/XX/XXXXXXXX XXXX and is engaging in practices that exploit consumers with excessive interest rates and fees. 

I am requesting an investigation into NetCredits practices for possible violations of state usury laws and predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute was filed with TransUnion on XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of TransUnion to respond. I had no choice but to file a complaint with the CFPB. 


These are the files that were disputed on 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  DateLastActive I have also attached a copy of my Credit Report from XX/XX/2022 and a copy of my original disputed letter. 

According to the FCRA XXXX under section XXXX. XXXX in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If I would not have contacted the CFPB, I still would have not gotten a response for my dispute which is obviously over the 30 day time frame allowed by the FCRA. All accounts disputed are attached and by law needs to be deleted immediately! 

As you can see TransUnion clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of the disputed letter sent to XXXX on XX/XX/2022, as well as my credit report before and a report 7 months later with no changes.
Product: Credit card

Dear CFBP, I am writing to file a formal complaint regarding the handling of my request for Servicemembers Civil Relief Act ( SCRA ) benefits by Navy Federal Credit Union. Despite multiple attempts to address this issue since XX/XX/XXXX, I have yet to receive a satisfactory resolution. 

In XX/XX/XXXX, I submitted my military orders to NavyFed to request the application of SCRA benefits to my account, as is my right under the law. After submitting the necessary documents through their online portal, I received a confirmation message assuring me that their team would contact me within 30 days upon reaching a decision. 

However, despite the passage of considerable time, I have not seen any changes to my account, nor have I received any communication regarding my request. Furthermore, upon revisiting the online portal, I discovered that not only had the confirmation message disappeared, but all prior communication threads with their team had vanished as well. 

I have attempted to contact NavyFed multiple times since XX/XX/XXXX to inquire about the status of my request and seek clarification on the matter. Unfortunately, my attempts to reach a resolution have been met with silence, leaving me frustrated and concerned about the lack of responsiveness from the company. 

I wish to emphasize that these military orders are not an extension but pertain to my most recent entry into XXXX XXXX in XX/XX/XXXX. 

It is essential to note that my credit card indeed carried an eligible pre-active duty balance, making the timely application of SCRA benefits crucial to my financial well-being during my XXXX. 

I am filing this complaint in the hope that it will prompt NavyFed to take immediate action to address this matter and provide me with the SCRA benefits to which I am entitled. 

Thank you for your attention to this complaint, and I look forward to a prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit card or prepaid card

XXXX - received promotional offer of " XXXX Fun Points '' after first purchase ( which equates to {$200.00} ) AND a {$200.00} statement credit after {$400.00} of purchases made XXXX - Got accepted for credit card XXXX - met both requirements and received the Fun Points XX/XX/23 - recieved statement and the statement credit was not applied XX/XX/23 - called customer service and was told they have no record of that promotion and refused to offer the credit
Product: Debt collection

JHPDE Finance I , LLC, claims to have sent me information on an account they claim was opened in XXXX but I have no knowledge of the account and was never sent any information