23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was attempting to work with OnQFinancial Mortgage - XXXX  #  XXXX  dealing with a Loan Originator by the name of  XXXX   XXXX   , on top o f no return phone calls which I am considering bad customer service but the complaint is the unfair trade practice and bait and switch that happened to me while working with  XXXX   XXXX . He pulled my credit and discovered that I needed to pay down some credit in order to reach a certain score for approval and he provided me the info about  XXXX   XXXX  through   XXXX   XXXX  . All during the conversation about the re-score, he never disclose to me that it is a fee that I would have to pay in order to get the new re-score, so within 8 days, I completed what he sent and call him back for the Re-score. At that time, after the proof of payments paid was sent as he advised, he proceeded to tell me about a charge to have the re-score, taken back and in shock, I asked about what type of fee, He stated, there 's a fee per trade-line update and I had  XXXX  items on  XXXX  credit report. When I questioned the ethics behind paying to re-score because the  XXXX  Credit Bureau do not handle transaction they are a reporting agencies, he advised me that it was " collateral '' to make sure that the consumer ends up closing the deal with him and do n't go with a different lender. When ask for this to be in writing, I was told, " No '' this is for him because to many people has left and closed with a different lender. He stated that the fee can run as low as {$50.00} per trade-line up-to {$100.00} dollars and I had  XXXX  items I had to address on  XXXX  different report, so totaling $  XXXX  {$1000.00} dollars for the   XXXX    XXXX   to go  to the Loan Originator-  XXXX   XXXX   XXXX   . I  spoke with my realtor that referred me to him and advised him of the situation and since then  XXXX   XXXX  has not returned any of my calls.
Product: Student loan

I would like to submit a complaint about Navient. They have made it extremely difficult to get simple answers and I believe I was mislead in the way my payments have been handled. After about one year of being in repayment, I checked my balance and thought it had gone up. I went to compare it to previous balances, but could not find the " Total Current Balance '' line listed anywhere clearly on a previous date. I called to request this information and they sent some documents, which still did not provide what I needed. I decided to take a screen shot instead and compare in a few months. From XX/XX/2019 to XX/XX/2019 my balance went UP despite me making my payments on time. I double checked the remaining interest and made sure to pay all of this off, in hopes that this would end the problem. I then tried to set it up to automatically over pay my minimum monthly, which the company does not allow you to do. 

On Saturday, XX/XX/2019 I checked my balance and took a picture. On Tuesday, XX/XX/2019 I checked again and my balance had gone up {$18.00}. This is despite me already paying the balance for XXXX PLUS {$240.00} extra. 

This company is clearly handling something wrong, and making it extremely difficult for its customers to get to the bottom of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Checking or savings account

I was paid {$5000.00} for some sneakers I had sold to the buyer. I put the money in my account and the check was fake. The bank closed my account and is now charging me for the amount of {$5000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX  ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse information, other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15USC 1681i ( 7 ) A consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

What kind of investigation was completed?

15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

No authorization to collect to attempt to collect on the account and the account continues to negatively impact me. Please strike and remove this account from all credit bureaus immediately due to information being reported incorrectly and without all proper validation.

15 USC 1681e ( b ) ( b ) Maximum Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I am writing to formally dispute two entries on my credit report that were placed by IQ Data International. These entries, dated XX/XX/year>, are listed under " Potentially Negative - Major Derogatory '' with the following details : Account in the amount of {$1000.00} with a status of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in the amount of {$3000.00} with a status of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize these debts, nor have I been contacted by IQ Data International regarding them. It is my understanding that under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to notify consumers about any alleged debts and provide verification before reporting such debts to the credit bureaus. This notification has not occurred in my case, which raises serious concerns about the accuracy and legality of these entries. 

Thank you in advance for your help!
Product: Debt collection

I submitted a dispute on XX/XX/2022 with XXXX regarding 4 collections on my credit report because I wanted to know what they were. Three of them are from Phoenix Financial all for the same amount of {$980.00} and the other is from XXXX XXXX XXXX in the amount of {$1400.00}. Not only did I not receive information on these collections but they were all added again to my credit report! So what started out as 4 collections is now 8 and were added on the exact date that I filed the dispute! There are now 2 for {$980.00} acct num ending in XXXX, XXXX for {$980.00} acct num ending in XXXX, 2 for {$980.00} acct num ending in XXXX for Phoenix Financial and there are 2 now for XXXX XXXX XXXX for {$1400.00} both ending in acct num XXXX. I then disputed those and got nothing. I told them they were duplicates and still nothing and I don't even know what they are for. So aggravating! Don't know if this is a problem with XXXX or the creditors but need this fixed! Thank you
Product: Debt collection

Bonneville Collections is collection on a bill they say I owe to a dental company i have never been to, in addition this XXXX company has sent me bill for other people and then a bill for me showing a XXXX balance. They bought this " debt '' from another XXXX and mixed up patient ledgers and do n't know what patient had what work done, but because I have a similar name to one of their patients sent me the bill. They refuse to send me original patient ledgers for this " XXXX '' they keep sending me ledgers from the XXXX office who I have never been too. I have also sent this collection company a letter to not call me by phone and they called me today XXXX/XXXX/2015 from phone # XXXX. They refuse to provide me with original ledgers from my real XXXX showing what work was really done in my mouth and keep sending me a fake ledger from another XXXX office i have never been too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore XXXX needs to remove the bankruptcy from my credit report.
Product: Checking or savings account

XX/XX/2022 XXXX XXXX  I went to a Huntington bank branch located in XXXX Mi and I could see a few cars in line for drive through so I decided to go inside but guess what doors were locked and it was drive thru only so I got in the drive through line and hat to wait almost 30 minutes to get to the window after waiting so long I thought to myself its time to switch to a different bank I told the teller I would like to close my account she said I would have to go to another branch were the inside was open so I ask what was the most I could withdraw she said XXXX and gave me a withdrawal slip that I filled out and returned to here with my VALID state identification the same Id I opened my account with so I few minutes went by and she ask did I work for a company and I replied no a couple more minutes went by and she ask me another question and I told her I wasnt answering anymore questions just get MY money so I can go she just sat there do I said give me back my id and she said the transaction wasnt going to be put thru I got my Id and left I went to another Huntington bank branch on the other side of town a 40 minute drive with gas XXXX $ I wanted to close account and receive cash the teller explained to me that they didnt have enough cash on hand and then she said my account has been flagged for identity theft and fraud from the bank teller that I went to first she maliciously put fraud on my account forcing a hold on all my money when the had my VALID state identification she did this purposely so I would be put in a bind now I cant get any money from my account and I have XXXX $ to my name Huntington Bank should be ashamed and there is nothing they can do to make it right this was completely wrong
Product: Mortgage

Sometime in XX/XX/XXXX, I received a notice from Pacific Union Financial , LLC asking me to provide proof of insurance coverage for the period between XX/XX/XXXX and XX/XX/XXXX. I was surprised by this notice because the premiums for the home owners insurance on my mortgage have always been paid out of my escrow. When I called the insurance company to find out what was going on, they told me that the premium had not been paid when it came up for renewal in XX/XX/XXXX. The insurance company says they sent the invoice to Pacific Union Financial but despite several attempts, they did not receive any payment and in the end they cancelled the policy. I asked them why they did not contact me and it turned out they sent a notice to a wrong address. As a result, I did not know that the policy had been cancelled due to non-payment until Pacific Union Financial sent me the notice inXX/XX/XXXX. After receiving the letter from Pacific Union Financial, I reinstated insurance with my provider and sent Pacific Union Financial a letter explaining what had happened. I did not receive an acknowledgement of my letter but soon after I sent my letter on XX/XX/XXXX, I received a notice in the mail from Pacific Union Financial stating that they were getting lender-placed insurance on my behalf for the period XX/XX/XXXX to XX/XX/XXXX. Having not heard anything from Pacific Union Financial, I figured the issue was resolved after I had sent the letter explaining the circumstances surrounding coverage lapse. However, in early XX/XX/XXXX, I received a notice from Pacific Union Financial stating that my escrow was in the negative and after further review, I discovered that Pacific Union Financial had charged {$1300.00} against my escrow account to pay for the lender-placed insurance.

I am filing a complaint against Pacific Union Financial for charging me the {$1300.00} for the lender insurance because : 1 ) it was their fault that they failed to pay the homeowners insurance when it was due and 2 ) they failed to notify me on time that the policy was not in place. By the time they notified me, it had been more than 10 months since the policy lapsed and it should not have taken them this long to let me know if they were acting in good faith ; 3 ) I sent them a letter explaining the circumstances which they ignored and went ahead and charged me the lender-placed insurance ; 4 ) when they notified me in XX/XX/XXXX, there was no way I would have been able to obtain an insurance policy retro-actively. 5 ) In XX/XX/XXXX, they claimed to have obtained a policy in my name for a period that had long passed. There can not be an insurance policy issued retro-actively and I find this action fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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, credit repair services, or other personal consumer reports

There is a fraudulent inquiry on my TransUnion credit report by XXXX XXXX that is not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act accounts ending # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.SC 1681 section 602 A, states l have the right to privacy.

15 U.SC 1681 section 604 A section 2. It also states a consumer reporting agency can not an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
<P/>
I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
<P/>
Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high 500 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday,XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XXXX or XXXX XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.
Product: Credit card or prepaid card

In XX/XX/XXXX I had a dispute opened for {$48.00}. I never received any information from Discover about the status of the dispute via letter or email. I just recalled the dispute in XX/XX/XXXX and see that the dispute was found in the merchants favor. I received no contact from discover regarding this at all. The purchase was made through XXXX but the merchant was a different party XXXX. The items I purchased were not working on arrival but the merchant provided no way to return the items. The website has no return address and when I emailed the merchant multiple times they did not respond. After I opened the dispute the merchant eventually provided a returned address but no label or anything. I returned the items 2 weeks later and paid shipping out of pocket. No refund from the merchant. No communication from discover regarding the dispute. Additionally, I provided an extensive amount of proof to discover that was ignored. Apparently Discover disputes purchases made through third parties like XXXX through the third party and not directly with the merchant which means no objective investigation can actually be done into the validity of my dispute other than to them requesting a proof of authorization from XXXX. My dispute was immediately closed without any further investigation because they reported to XXXX that I was disputing the purchase on the basis of it being unauthorized, which is NOT what I disputed.After contracting XXXX twice they confirmed that the information discover gave them indicated the transaction in question was UNAUTHORIZED, I did not file the dispute as an unauthorized purchase and as a result of this I can no longer file a dispute with XXXX. As I have been told multiple times from different representatives at discover, they can not directly contact the merchant, it must be done through XXXX. So as a result of their incompetence I'm left with no remedy as the dispute was closed by discover and XXXX can not undo the banks decision. Ive tried multiple times to get the dispute reopened by discover as at least I would then be able to go through XXXX and they could contact the merchant and verify the validity of my dispute but that option is no longer open to me as paypal can't reopen the dispute only discover and they have refused to do so despite it being the fault of their incompetent dispute team.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my private student loan with Climb Credit, as I believe I may have been affected by the deceptive and abusive practices described in your recent legal complaint against Climb Credit ( Case No. XXXX ). 

I obtained a loan from Climb Credit in XXXX to finance tuition for a XXXX XXXX XXXX offered by XXXX XXXX. Based on the CFPBs allegations, I am concerned that : - The educational program I financed may not have been properly vetted by Climb Credit for quality or return on investment. 
- The loan terms, including finance charges, origination fees, and XXXX, may not have been accurately disclosed to me at the time of signing. 
- Climb Credits marketing materials may have misrepresented the outcomes, such as salary increases and employment rates, for graduates of the program. 
- These practices, as outlined in your complaint, significantly impacted my decision to take out this loan. The program I attended did not meet my expectations in terms of promised outcomes, and I now face financial difficulty in repaying this loan. 

I would like to : - Report my experience with Climb Credit for further investigation. 
- Be informed about how I might be eligible for restitution or other relief resulting from this legal action. 
- Request guidance on disputing the loan directly with Climb Credit, should this be necessary. 
- Attached are relevant documents, including my loan agreement and any marketing materials I received from Climb Credit or the program I attended. Please let me know if additional information is required. 

Thank you for your time and for addressing these important issues. I look forward to your guidance and response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called and requested a loan consolidation and deferment. I was told the consolidation was complete and my deferment for XXXX  year was approved. The past XXXX months they have sent me statements for over {$2000.00} each and now say I am past due over {$4000.00}! They have reported my late payments to the credit bureaus. I have tried to call and talk to someone but the hold times are XXXX hours long! I used their Ask a Question via email. I asked what my current loan status was because I was confused why they were asking for payment if my loans were in deferment. After several WEEKS I received I received and automated response from them that in no way answered my question.