23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

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

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Mortgage

When I took out my loan I did not put down 20 % equity and had to add private mortgage insurance. I was advised once my loan hits 80 % loan-to-value ratio the private mortgage insurance would be dropped automatically, or I can request in writing that it be removed early if the equity in the home is above 20 %. I contacted Ditech because my realtor ran comparable pricing in the area and found my home had gained more than 20 % equity thus allowing me drop the private mortgage insurance. When I contacted Ditech they stated that they would have to have an appraisal done, which I would be charged for, but they would have to pick the appraiser. I allowed them to proceed because my realtor had informed me the pricing would be well above what was needed. When their appraiser finally provided a value on the home it was 80.6 % loan-to-value. This very much seems like Ditech influenced the value of the home because the comparable sales that the appraiser used do not support her pricing ( I am filing a complaint with the Arizona board of appraisals against the appraiser ). I have since challenged Ditech on the value that they gave my property and the authenticity of the appraisal that was completed by their appraiser. I have sent Ditech supporting documents showing that my home value is higher than their appraiser and Ditech has ignored all other relevant data and are denying removing my private mortgage insurance. At this point, after over 6 months of dealing with Ditech I was forced to refinance my home with another company that was baffled that Ditech could not see the proper home value, they refinanced our loan without even doing an appraisal. I also received from Ditech my original signed documents CLEARY showing that there was NO documentation about the condition they are now holding too. Ditech is claiming that I agreed to a seasoning period with the PMI and that because my loan is less than XXXX years the 80 % condition is changed to 75 %. The Private Mortgage Insurance Disclosure, that I signed, only references that the loan-to-value must reach 80 % or on XX/XX/2022 Ditech would be forced to remove it themselves. In the document I signed and the discussion I had with loan officer that handled my loan there was NEVER a mention of the 2 year seasoning or the 5 year 75 % requirement. Ditech is manipulating the situation to only benefit hem.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report upon getting an alert stating that my personal information was data breach after I pulled my credit report. II noticed that the following inquiries was on my report that I don't consent or authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Telephone payment made via BMW system. The system did not post the payment at the time payment made. I discovered this error made by BMW payment system and notified BMW Bank. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by BMW Bank to consumers allowing the processing of payments is not infallible. BMW to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
Product: Mortgage

This is a longstanding complaint dating to 2016 but I could no longer find it in your database for some reason. The complaint number is XXXX against XXXX. Since XXXX is in bankruptcy we are seeking help from their Corporate Restructuring Committee which is tasked with solving issues like these in the bankruptcy court. We ish to CC you and also will CC the XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX and XXXX since they are involved. The attached file contains the original CFPB complaint and describes the issues.
Product: Debt collection

I HAVE BEEN TOTALLY VIOLATED OF MY CONSUMER LAW RIGHTS AND I NEED SOME HELP TO EXECUTE THE CONSUMER LAWS ......
Product: Credit card or prepaid card

Date reported - XX/XX/2017 - amount {$0.00} - account status, PAID - payment status, collection/chargeoff. Credit Card went over limit and was paid off and account was closed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft caused by the XXXX data breach, and several fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and removal of the following accounts from my credit report : XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX - Account Number - Account Number - XXXX XXXXXXXX XXXX XXXX  - Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX I have contacted XXXX, XXXX and Transunion about this matter already and nothing has been done. I have enclosed copies of the necessary documentation, including proof of data breach and FTC Identity Theft Report. Under the FCRA, you are required to block and delete ANY reporting of information resulting FROM identity theft. within 4 business days. Please confirm in writing that these accounts have been blocked and removed PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below ha violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX  Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX XXXX HAVE VIOLATED MY RIGHTS 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 instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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 USC 1681s-2 ( A ) ( 1 ) ( A ) 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, credit repair services, or other personal consumer reports

Equifax leaked my personal information.
Product: Credit reporting

but I need to. there refusing to help me get this loan. to get heating unit.for my home because of credit score. 


XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Vehicle loan or lease

I got a loan from Wells Fargo. 
My loan was to be paid off in XX/XX/XXXX. I paid the loan off on XX/XX/2023. As a result of this early payoff Wells Fargo reported me 5 weeks later on XX/XX/2023 for delinquent payments to the credit services. I feel this was a vindictive move on the part of Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts, 1 ) XXXX XXXX {$710.00}, 2 )  XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Product: Credit card or prepaid card

I submitted a complaint last week against American Express Bluebird ( #  XXXX ) for a {$50.00} payment I made to my XXXX XXXX credit card on XX/XX/2020 that was never received and never returned to me and realized upon evaluating my account that there is SECOND payment of {$45.00} that I also attempted to make to my XXXX XXXX from my Bluebird account that was also never received by XXXX XXXX and never returned to my Bluebird account. So that is actually a total of {$95.00} missing from my account. Both payments on my account say " processing '' and they continue trying to " process '' these two payments even though I called Bluebird Customer Service to inform them that my XXXX XXXX Credit Card # changed due to fraud and I was assigned a new credit card #. They refused to update the credit card number, they refused to let me set up a new bill pay to this account with the correct credit card information and they refused to refund these 2 payments that have clearly been in limbo for months. Calling customer service is near impossible as it takes over an hour for someone to answer and once they do, they refuse to resolve a simple issue. I've submitted all the dispute forms they asked for and I can't even close this account until I get my money back. I need someone to help expedite this as I'm not getting anywhere with this terrible company. ( attached is my dispute form I sent to them )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 {$7400.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Student loan

On XX/XX/2020 I went into an agreement with DocuService Loan Repayment XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX informed that because I worked for the State of New York they could pay down my Federal student loans at a lower rate. I started paying them on XX/XX/2020 -XXXX. I made 2 more payments for that amount. Then I made 8 more payments of XXXX  each. Total of XXXX  was debited from my account by this company and never forwarded to Federal government therefore nothing was deducted from my student loan. I spoke with XXXX XXXX and XXXX XXXX. Today I spoke with XXXX XXXX # XXXX. He told me the XXXX  fees were for enrollment and then the XXXX  monthly payments were for the loan. He then hung up on me when I asked where the money was going. 
I have called and emailed this company numerous times. They either ignore my calls and emails or hang up on me.
Product: Student loan

I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX to collect on a school loan for the United States Department of Education. This is the information I received : Reference No.  XXXX Principal Bal. {$20000.00} Interest {$46000.00} Collection Chrg {$11000.00} Total due : {$78000.00} I've attached a copy of this letter to this correspondence. 

I'm a bit in a panic state about this. 

I'm XXXX years old, on a pension and social security. 

A little history : I went to the University XXXX XXXX XXXX back in XXXX and graduated in XXXX. My only recollection is that my dad took out a loan for my college education. In the XXXX plus years since my graduation, I've never received a bill from the Department of Education regarding this loan. My understanding is that my dad took out this Federal Loan on my behalf. I'm almost 100 % sure I was not on the loan at all. My parents were always going to pay for my education. It's been over 40 years and I can't say for sure, but I don't recall ever receiving information about this loan until now. 

My name is currently XXXX XXXX. The letter came under the name of XXXX XXXX XXXX XXXX which was a previous married name that I haven't used in 29 years. 

My maiden name at the time I went to XXXX was XXXX XXXX XXXX. 

I'm very afraid of contacting this collection agency directly since I've read their collection efforts are ruthless. I'm not sure where they got my name and my mailing address since I just acquired this mailing address about 6 months ago. 

I've worked very hard to obtain a XXXX credit score and I'm so afraid they will report this debt as a defaulted loan after XXXX years. 

If it is discovered that I, in fact, was the primary borrower, I will do whatever is necessary to resolve this without the interference of a collection agency. At this time I feel helpless because I have no idea about the details of this loan. 

I would be forever grateful if you could advise me as to the next steps I should take to resolve this matter. 

Thank you in advance for your assistance. Please contact me as soon as possible as I feel very uncomfortable about this whole situation and I don't want my credit ruined. Thank you again. 

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

Key Bank has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from Key Bank which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I checked my credit report and noticed a charge - off from XXXX XXXX  account number XXXX that was charged - off in XX/XX/XXXXXXXX  that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXXXXXX  is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I've contacted Pen Fed via email for over a month now regarding a {$100.00} reward bonus listed on their website : https :  //www.penfed.org/XXXX I met all of the relevant criteria for the {$100.00} bonus months ago and have not received it nor have I received a resolution or a satisfactory response from Pen Fed 's Customer Service . One response I did receive, the representative didn't even know what bonus I was referring to. When I sent the same link I pasted above to them I received no response. This is not a financial institution I would recommend others deal with. I wonder how many service members they are dishonest with?
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOANCARE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX XXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX XXXX XXXX to a debt collection agency by the name XXXX XXXX XXXX. Despite this transfer, XXXX XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX XXXX XXXX is incorrect because the debt was sold to another entity.
Product: Checking or savings account

I bank with Chase Bank and have my pay check direct deposited into my account. On Friday my check was not in my account and when I called Chase bank on Friday morning they told me they can see the direct deposit and informed me that every account number has its own routing number rather than the bank just having 1 general routing number and as a result the check is stuck in the computer system because the routing number used was for my other checking account with them. They verified the account number was correct though but couldn't do anything because it was stuck in the computer system and to call back in 24 hours if it still isn't in my account. I called back the next day and was told they can't do anything till Monday but will start the claim and the claim department has 10 days to work on my claim! That means I have to go 1-2 weeks with no money in my account and have no way of getting gas into my car or feeding my children properly for the next week or two because Chase bank refuses to release my money into my account even though they can see it! They are stealing my money!