23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Correction to letter these funds not noted on XXXX payment history account number XXXX please attached to case number XXXX sorry for the error Im just exhausted with this situation, also I feel violated that someone would take/steal funds from me that the government gave me towards my mortgage payments and to make it seem like I was in default of missing mortgage payments that they took funds and invested in a money first investment account and file assignment of note benefits insurance claim on my property. Yes I feel very violated. And not only that use me to sign for a fraudulent loan modification of stolen monies that the Florida Housing Administration, applied to my my mortgage loan and still missing funds that is still unaccounted for, as new money to that loan modification having me to make mortgage payments on that stolen money that should have been applied to my account in the first place. I also ask Mr XXXX from Round Point Mortgage why wasnt I informed about change of mortgage loan from FHA to an Conventional Mortgage loan, he still didnt give a concrete answer
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX  is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga. XXXX See attached XXXX
Product: Credit card

I am an account holder with American Express and use their Gold card for day to day purchase. When I opened the card in XX/XX/, I was sent a paper version of cardmember agreement, a legal document enlisting all the rights and benefits of the credit card product, to my address. I took my time to read all the provisions of the cardmember agreement, in which I found that I am entitled to two additional benefits, previously unknown to me when I applied for the credit card application : a ) " Trip Cancellation and Interruption Insurance '' b ) " Cell Phone Protection ''. 

On XX/XX/, the flight ticket I purchased via the aforementioned American Express Gold Card was cancelled due to the weather conditions. I had to come up with alternative transportation, so I went ahead and booked last minute train tickets taking me to the same final destination, for {$200.00}. I arranged the train alternative under the impression that my Gold Card 's " Trip Cancellation and Interruption Insurance '' benefit will help me offset the {$200.00} cost. Having this in mind, I called American Express customer service to help take advantage of the said insurance benefit - only to find out that this benefit is offered on American Express 's other credit card products, but not Gold Card. 

This directly contradicted the provisions on the paper cardmember agreement I received, and I tried to explain the situation the customer representative as much as I could- the best they did was to open an investigation case. I never heard back about the result of the case, as I was not offered opportunity to prove my case by uploading the photos or scanned version of the paper cardmember agreement I had in possession. I followed up two weeks later, and apparently the resolution was made for the investigation case without any further inquires to me - I was not given any word or had chance to showcase an input. The customer representative kept reassuring me that they have a dedicated professional team of experts thoroughly investigating any case presented at them. I found it very hard to believe, feeling absolutely helpless I decided to cut the call short - I was not compensated in any way for the interrupted flight and my investigation was never properly looked into. 

CFPB is my only hope now. I am attaching the photos of the paper cardmember agreement I have which explicitly states that I am entitled to the two aforementioned benefits - the benefits that American Express refuses to provide me, as apparently these benefits are provided with other products, but the Gold Card I own.
Product: Student loan

I have been garnished by Resurgence Law Group due to an unpaid student loan debt from 2009. For years, I struggled with unemployment which caused me to not be able to pay the debt. Now, that I have gainful employment they have been changing the " finish line '' for my payment. Every time I call, they keep adding more than just interest to the payments. 

They stopped wage garnishments for XX/XX/XXXX and XXXX and then resumed the garnishments on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the following information with XXXX, XXXX, and TransUnion. Unfortunately, the issue persists and remains unresolved to this day. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

TransUnion 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.
Product: Student loan

From XXXX to XXXX, I attended The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. During my time there the school committed many attempts of fraud towards myself and other students as a whole. Since then, the school has been called out on its fraudulent behavior by multiple courts, many alumni, and even the government. I was approved under the XXXX XXXX XXXX settlement to clear my federal loans due to this. XXXX XXXX also approved a debt relief specifically for students that attended the XXXX XXXX during this time, stating the colleges had defrauded students and borrowers. While I didnt need the Department of Education XXXX XXXX XXXX I was also approved for that. 
On XX/XX/XXXX I was approved to receive the XXXX XXXX XXXX XXXX, by XXXX. 
On XX/XX/XXXX, I sent in my application to XXXX, along with XXXX different documents as proof that showed the fraudulent behavior The XXXX XXXX has done over the years. 
On XX/XX/XXXX, I was sent denial emails for XXXX private loans. Ive since then written XXXX asking for an explanation. Ive gotten an auto-response with no reasoning on why I was denied despite all of the evidence and clear cases against the now closed school. 
Since I have graduated, I have been drowning in student loan debt. The interest rates on my loans are up to 12.5 %, 14.5 %, and 15 %. I have called multiple times asking for a reduction or help, and they say there is nothing they can do for me. I have never been late, and the majority of my payments go to interest. I now owe much more than what I started at. 
During the application process, my loans were transferred to Mohela. After I was denied, I emailed Mohela to get a detailed explanation on why I was denied and what I could do. I was sent an auto-response letter with no details as to why I was denied. 
On XX/XX/XXXX, I submitted this complaint towards XXXX. I was told I needed to ask Mohela, since I was transferred to them. I am now resubmitting to Mohela.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX of XXXX for the amount of {$410.00}. They had lack of information and provided me with no contact information at all.
Product: Credit card

On XX/XX/year>, I submitted a balance transfer request to Citi using my Citi XXXX XXXX for a total of {$7900.00}. The money ( {$7700.00} minus the fee ) should have been sent to XXXX loan provider. I provided the correct account number from XXXX. 

However, Citi sent the balance transfer amount to a wrong bank ( XXXX XX/XX/XXXX ). I spoke with XXXXXX/XX/XXXX and they said that such account number does not exist and they do not have any record of accepting the fund. Yet, Citi is saying XXXX accepted the money. 

Also, I provided transaction ID and trace ID of the balance transfer to XXXX but they said that they will not work with me individually. I opened a case with Citi but it is taking too long. I really need the money to pay off my debt. 

No one knows where the money went. It should have gone to XXXX but Citi sent it to XXXX which they deny.
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 XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete 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 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: Debt collection

This is from XXXX XXXX XXXX I do not have knowledge about this. I tried to contact them numerous of times they wrote off the balance, but its still on my credit report.
Product: Debt collection

Hello, these two collections accounts were deleted from my credit many months ago due to inaccuracies ( XX/XX/2020 ) but has since reappeared. I have tried to inquiry about this account but have not received any response. This account needs to be deleted permanently as I have made several attempts to resolve this issue with no one responding. I have attached a copy of my credit report of when this account was NOT reporting on my credit.
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/scrub>/2023 XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX - XX/XX/year>2023 NXXXX XXXX - XX/XX/scrub>/2023 - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX Via Dealer on XX/XX/year> I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX, XXXX on XX/XX/year> I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/year> I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Student loan

XXXX accounts ending in xxxx and xxxx, have incorrectly listed dates of when they became past due. Due to the failure of the University XXXX Vermont, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX XXXX a representative of the University XXXX Vermont, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in xxxx was XXXX/XXXX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XXXX/XXXX/XXXX reported to the consumer agencies. XXXX establishes that the date of XXXX/XXXX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in xxxx XXXX establishes that as the guarantor of the loan the University XXXX Vermont purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XXXX/XXXX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX/XXXX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XXXX XXXX, XXXX years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
Product: Credit card or prepaid card

Good afternoon, My name is XXXX XXXX, and my complaint is about XXXX XXXX in regards of a credit card that i had with matress firm. I was offered a credit line of {$3000.00} upon purchasing the matress. First thing i never received the physical, i had to call them to make first payment over the phone, after the payment was made i requested that i received a card and still up to today no card.I created an account online so my payment could be made since i realize i would never received the card from them. I had miss one payment, which was late. But the following month i quickly got some money and paid in full the full balance which was {$1600.00} if i am not mistaken. Because of the late payment, my credit score drop  which i understand and was also my fault due to my financial situation, i still had my hope because i knew once i paid them in full it would go back up. On XX/XX/XXXX, i received an email from credit karma notifying me that the account close and for me to follow up if it was not done by me. I immediately call synchrony in regards of the matter and the representative could not tell me much beside that yes they could that. Now my credit score is extremely low, i was not notified prior, no phone call, email, or letter. I received a letter on XX/XX/XXXX in regards of the matter. Please help me if you and so this doesnt happen to someone else. 
PS. i do not have the full card number but it end with XXXX Best regards and thank you.
Product: Mortgage

I obtained a Home Equity Line of Credit ( HELOC ) with Quicken Loans in XXXX of 2013. The equity line was originated as a 2nd loan behind our 1st mortgage. At that time, our loan balance on our 1st mortgage was {$500000.00} with an interest rate of 3.625 %. 

We are now in the process of refinancing our 1st mortgage at a lower dollar amount {$420000.00} ( NO cash out ) with a 2.75 % interest rate and the loan has been approved and the lender is ready to issue loan documents. Unfortunately, Quicken loans is not cooperating and practicing unethical and very likely unlawful business practices. 

I am attaching the email received directly from Quicken. In order to refinance the 1st mortgage, Quicken has to agree to STAY in 2nd position as they have been for the last 7 years since the origination of the HELOC. Quicken is stating that they will not " subordinate '' any longer unless you use a Quicken or XXXX XXXX 1st mortgage. My understanding is that XXXX and Quicken have an affiliated business relationship as our mortgage originator for the HELOC in 2013 was a XXXX XXXX employee. 

That said, this seems like an obvious RESPA violation. Quicken is  steering the consumer to using ONLY their loan products by holding the subordination requests hostage. I would understand if the HELOC on our residence was in 1st position, but this is NOT the case. They have always been junior to the 1st mortgage. I believe these unethical business practices will cause great harm to the consumer. I am trying to lower my monthly obligations by reducing my interest rate without incurring any more debt on the house. It's simply a rate and term refi which also lessens the risk to XXXX by allowing me, as the consumer, to lower my interest rate on my 1st mortgage and lower my payments, substantially, without incurring any additional debt! 

My wife and I have excellent credit and more income now then we made upon the origination of the HELOC. There is no logical reason for Quicken to hold the subordination request hostage. 

Given Quicken loans is one of the largest residential home lenders in the country, these business practices of steering the consumer could have catastrophic financial implications for consumers across the country and if Quicken is allowed to continue operating this way, gives them an unfair and unethical business advantage over their competition. Either scenario is bad for consumers and just bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Customer notes credit scores have significantly declined. 
XX/XX/2019 Customer pulls Experian report and finds inaccurate info XX/XX/2019 Customer contacts creditor to complain about inaccurate info XX/XX/2019 Creditor ( bank ) writes back to assure customer the accurate info was provided. 
Inaccurate info : Mortgage loan specified as only " installment. '' Term 30 specified as MONTHS. Bank advises Experian has only 2 digits for " term '' and that 30 is understood to be years, not months, and that it WAS reported as mortgage. 
XX/XX/2019 Customer calls Experian to complain, after finding web dispute facility broken for days. Experian advises dispute is only way to request correction. Customer tries in vain to explain that creditor provided correct info. Experian says we will enter the dispute and take it up with creditor. 
XX/XX/2019 Experian reports " dispute '' resolved and nothing changed. Customer confirms that Experian has FAILED and REFUSED to correct their inaccurate information. They ignore both creditor and customer and continue to leave info uncorrected.
Product: Debt collection

I have asked for legal documents to be provided by the ones reporting this to the credit bureau and nothing has been provided for the balance of XXXX and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.
Product: Checking or savings account

My account was overdrawn today by XXXX. {$140.00} of that was overdraft fees. {$35.00} fees given 4 times over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ). I called Wells Fargo today to see about getting these fees reversed. I told them that I am working 30 hours a week and get paid {$530.00} a week and that these overdrafts were for bills that were scheduled as auto-pays. I asked for the full {$140.00} to be reversed to help with the major overdraft of my account. They notified me that they could only refund {$70.00}. I asked to speak to a manager. The XXXX again stated due to this new policy I was not aware or hadnt be notified of, that they could only refund {$70.00}. I told her that my issue was that this bank is AUTHORIZING there payments to go through even though my account is already withdrawn and then penalizing me large sums of fees and its predatory. I asked why they just didnt decline my transactions. She offered to sign my account up for a program that would decline transactions with an overdrawn account. I asked if this included preauthorizations and she couldnt guarantee they would decline. To clarify, I asked if that meant the only way to guarantee that my transactions dont go through when my account is overdrawn is to go and cancel EVERY auto-scheduled bill payment I have. And she said yes or sign up for a savings account with us that could be overdraft protection. I assured her if I had any savings and wasnt living paycheck to pay check that I wouldnt have an overdrawn account. I am doing my absolute best to use everything that I have to pay the basics without overdrawing my account. I would just transfer banks, but this account is my longest standing account that has been open over 10+ years. I think the people who get penalized the most here are the ones truly trying their best to make due with what they have and theyre being taken advantage of as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit fraud with my first card Nd the company captial one said they tske care of it they sent me a new card yes i took the XXXX out the card im paying for it and then i get bill it went to XXXX that i took 2 cash adavances wich is not true this is fraud they report this it messed up my credit by 50 points will like to know how to resolve this