23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ever since XXXX of last year? I have been trying to get these inquiries taken off of my credit report because I should not have anything on there. I have not tried to get any credit with anyone but on my credit report. It says that I have XXXX inquiries.Each inquiry could hold up XXXX points, which brings my score down i have asked them to take care of this. I have asked them to show me where I have given anyone permission to do so. They will not do anything. They would not help my situation. They told me that I need to call the people who did it and I did. They said that they do not have anything in their records. And I should file a dispute with TransUnion. And I did and still to this day, TransUnion, will not remove these inquiries..
Product: Credit reporting or other personal consumer reports

I am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by XXXX XXXX XXXX. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines
Product: Vehicle loan or lease

I just seen a statement that i never seen before from car loan people which is exeter finance llc and it show that all my monthly payments went toward interest i told two different people in the beggining that i want my payments to go toward principle so can you please correct that and put my past payments toward principle its too much thats being done wrong with exeter finance and XXXX XXXX XXXX.
Product: Student loan

Navient is the worst company to ever exist. Website does not work. Do the people at customer service even work for navient??? They don't know anything about whats going on. Applied for a repayement plan and their website always says an error has occured.
Product: Mortgage

My loan was recently purchased by Nationstar mortgage. My XXXX statement includes late fees of {$1200.00}. I am trying to dispute this amount. Nationstar claims that the fees transferred from the previous lender, however, I have disputed this as I have my payment history and had no late payments from XXXX mortgage either. XXXX claims the fees transferred from a previous lender. I am trying to refinance this mortgage and need to have these fees removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  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 XXXX XXXXXXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX BALANCED {$0.00} XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year>
Product: Bank account or service

I am XXXX XXXX XXXX, a XXXX XXXX with XXXX serviceconnected XXXX. Chase bank for over a year drafted my Checkingaccount {$170.00} for my Condo Association fee. I was notified XXXX that for the last three months the bank has not paid as orderedon the first of the month, the bank changed the draft date ( withoutmy authorization ) to the XXXX, of the month, on that date there is notfunds in my account to cover the expense. The bank refuses to pay and Iincur an over draft fee of {$35.00}. I recently received notice from myCondo Association that I now have a lean on my property for $ XXXX. The bank refuses to correct THEIR MISTAKE and rectify thethe bounce check charge, the lean on my property and other nowchecks due to Chase Bank mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute several times in reference to a credit card reporting late. I was never late with this account and verified by the bank. XXXX refuses to update and remove without verification. I will seek legal action.
Product: Credit reporting or other personal consumer reports

Equifax has a significant drop in my score for no reason. This absolutely makes no sense at all and seems a lot like discrimination.
Product: Checking or savings account

XX/XX/XXXX I was charged {$140.00} in Overdraft Fees for {$20.00} overdraft as well as on XXXX/XXXX & XX/XX/XXXX I was charged 2 Overdraft fees over the same transaction twice
Product: Credit card or prepaid card

I have ordered an item on line with my paypal account ( credit card ), purchase under paypal protection, the seller never response to my email and my items never have been received. After one month trying to contact the seller my self and no results. I escalated the case to paypal on XX/XX/2020, was given tracking that case will be resolved on XX/XX/2020, I will be refunded. But on XX/XX/2020, checked paypal on line, the resolving date was pushed back to XX/XX/2020, called paypal customer services, spoke to 3 agents, the last agent was XXXX, no one were willing to solve the problem, spoke to the supervisor, XXXX, still unable to solve the problem. the date of case resolving just been keep pushing to the future dates. my refund has never been issued. 

Per paypal policy, this is under paypal protection, when customer filed a case and you give a day to resolve the case, you need to follow your promise. if you keep changing the case resolution day out to future, that mean you just play and game and never want to solve the problem. I have been a paypal customer for the last 10 years, never file any case, no dispute, this is the only one time, but was treat very unfairly. 
I need paypal to follow their promise and refund my payment now XXXX as promised on XX/XX/2020 )
Product: Money transfer, virtual currency, or money service

I used my Bank of America account to send a supposed landlord money for an apartment. I was scammed and never got the option to dispute or get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

i was suppose to receive a credit on my account for this returned item for a company my bank and the company agreed to the credit and then they took the money right back out my account i have spoken with many reps gave several documents and they keep telling me to go to my bank i have and they will not return my funds and have my account in a negative. i have bank with them for 15 years and never had this issue.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year>, I requested incorrect " Current Address Date '' be corrected ; names " Also Known As '' be removed, and incorrect " Previous '' addresses be removed.
Product: Credit reporting or other personal consumer reports

I have XXXX derogatory items thats on my report that I do not recognize XXXX is XXXX XXXX and the other one is Jefferson capital
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been using Experian Credit monitoring for a few months for the price of {$19.00} using my XXXX XXXX. They would monitor child XXXX in the area but what does that have to do with my credit report. I had on my report my XXXX, student loans was closed and my old addresses off my credit report along with a po box address, so I decided to complaint a disrupt. And once that disrupt was submitted they took my credit score down ( XXXX ) points my score was XXXX. I had been pre-approved for a mortgage loans and yet once my score went down I had to explain to the lenders what was on my credit report as closed. When I contact Experian, she explained to me it would go back up so I was very disappointed in the services with the XXXX at the price of {$19.00}. I explain to the rep I was very disappointed and that this services is a fraud which the mistake was on my credit report and then you decided to harm my score instead of protecting my credit with correct information. So I discontinued my memebership. My score had been the same since and when I login they are asking me if you want credit monitor for {$19.00} just to see my credit increase this is fraud they should never put a consumers in a position that they need to pay just to see the updated credit score. Since I stop being a member they just keep taking my score down they hurt my credit with my SL being closed it was their mistake the other 2 credit bureau had my correct information regarding my SLoans. I requested my old address es be taken off my credit and yet nothing. I must pay {$19.00} to get anything done. I have the app on my XXXX and my credit is lock I cant even unlock or lock my credit unless I had contact them. This is fraud I have paid for this services just to hurt my Credit this company need to be investigated to the fullest. Today, my credit score is still the same and hasnt moved or anything. I would like my refund on the services they had surrounded to me for my credit monitor program sucks and I am sure I am not the only customers that has had these issues. Free credit report Experian charge you a fee. All my credit report are lock now expect Experian unless I pay for a membership of {$19.00} and I am not going to do it anymore.
Product: Debt collection

I received a collection notice from Crown Asset Management , LLC ( original creditor XXXX ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.
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 Number:XXXX Account Name : XXXX Account NumberXXXX 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 XXXX 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 is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXX XX/XX/2022
Product: Student loan

XXXX University talked me into a XXXX XXXX  and when I completed and passes all the necessary parts to get into the last portion they kept adding more classes and exhausting my loans. I had to claim bankruptcy. Please help. I was taken advantage of and have no where to turn. My grades were good. I passed all the classes they said I needed. They just kept arbitarily adding more and more!
Product: Credit reporting, credit repair services, or other personal consumer reports

You will not believe this... 

This is a follow up to complaint XXXX that was already closed. In this closed complaint, Chase bank ran a hard inquiry on my credit for credit limit increase after saying over the phone twice that there would be no hard inquiry. Chase ran an investigation and confirmed the representative did give me wrong information after reviewing the call ( documented in complaint XXXX ) but said they would not remove the inquiry because of that as credit limit increases are assumed hard pulls. 

My question is, " Who should be doing the assuming??? '' I have other banks that don't do a hard pull so that is why I made sure to ask before applying for a credit limit increase. Chase launched a second investigation on my case. 

Chase called me today with results from that second investigation and said after review of the call, Chase determined that it was hard to hear the phone call and that I didn't hear the representative correctly when he said " there is no hard inquiry ''. Chase is now claiming the representative said " there would be a new inquiry ''. 

The first investigation already confirmed I was given wrong information by the representative. This call from Chase today was so ridiculous I had to file another complaint. The lies are just unacceptable. 

Just do the right thing. Chase made a mistake and a customer suffered for it. Repair the wrong. I'm not sure why Chase would rather launch multiple investigations and make up lies instead of just doing the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, XXXX and Experian for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle. 

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance :
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

On XX/XX/2022 our loan was transferred from XXXX XXXX to Specialized Loan Servicing. We have XXXX borrowers on our account. I have made multiple attempts to access my loan, but am not allowed to post a payment or create an account, because I am listed as # XXXX on the loan. 

It is unacceptable that I can not access my account. I have made numerous attempts online and over the phone. 

The employees are rude and unhelpful, their phone system continuously disconnects you. Our payment is due today, and we have been unable to post the payment. They insist on charging exorbitant fees if you don't pay online, but will not grant online access.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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

XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Mortgage

I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies have come up with a scam to defeat the intent of Congress. We have a right to have information more than 7 years old taken off the report, but they now penalize and will not give you a good credit rating if you have had credit only 7 years. They reduce your score by at least 50 to 75 points, continuing to penalize you, disregarding the intent of Congress.
Product: Checking or savings account

I'm writing to formally file a complaint regarding multiple overdraft fees apply to my account. These funds were assessed despite having sufficient funds available at the time. The transactions were authorized, however, due to delayed posting of charges and credits I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPD which identifies similar practices by Navy Federal credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

I applied for financial hardship with Mr. Cooper on XX/XX/2019, since last 15 days they have done nothing and just dragging the application, asking me for documents already provided to them. they are unnecessarily causing me stress and are not fulfiiling what they are supposed to. I have previously made six complaints against them on CFPB and still they are not serious. I think I will have to go to court against them. This time in the application I already mentioned that my house doesn't have any HOA fee but still they asked me the receipt of my HOA fee ( please see attached ). this is disgusting and uncalled for. I don't know what illiterate company is this and what kind of illiterate people they hire who can't read simple english. Enough is enough. Now they will start my application again from XX/XX/2019 and will take another 30 days. Is this some kind of mockery or joke? They need to understand other person is going through an hardship and Mr Cooper making fun of the other person? what is this? One more mistake, I will write to XXXX  XXXX and XXXX XXXX about them and of course sue them