23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I applied for a loan to refinance my home. After reviewing a few companies I decided to go with Loan Depot as the rate and closing costs made the most sense for me. On XX/XX/XXXX after several communications Loan Depot said they loan type they had set up was not the appropriate loan, but the good news was that the right loan would have a better interest rate and have similar closing costs. On the XXXX of XXXX I received a loan estimate and the closing costs were significantly higher than what they said they would be. I emailed and called several times. They said they would look into it. One loan officer I originally spoke to confirmed the closing costs as the number I was told on the XXXX so I thought we okay. I then requested a new loan estimate because at this point we are going on 60 days and it should not be taking this long and I wanted to compare options again. The new loan estimate had an even higher number than the estimate from the XXXX of XXXX. I again called and spoke with the senior loan officer and he stated that this process is normal for them but the numbers they had from me on the XXXX of XXXX were not accurate as they were the numbers the got on the XXXX of XXXX. So the new numbers I was getting now are accurate. He said they should have had the accurate numbers by the XXXX of XXXX but didnt. At this point I either have the pay roughly {$5000.00} more to close the loan, if it even closes as it still has not, or I have to take a higher interest rate because rates have changed since I was looking a month ago. I have been forced to stay with a lender that I do not want to work with or lose money. They have not tried to rectify the situation and have stated this common practice for them to have two different numbers to work. This is either a lie and they made a mistake, or their practices are malicious and intentional. The record every call so they have on record all or conversation and confirmed that they stated these numbers.
Product: Debt collection

I recently had a zero % debt with HCS. They sold it to Ally bank. When I received the statement, no where on the statement does it show the balance due of {$3300.00}. It says that I owe {$4200.00} including the interest if I don't pay the account in full by the end of the promotion date. I have called them and they said it is online or I can call in. In small writing it says I am in a promotion. If I was to die, my spouse would only be aware of needing to send them a check for the full amount, not the amount that I really owe. I am computer savvy, but for other people, this could be a major issue in report what is really owed. I can send a copy of my statement if needed.
Product: Student loan

I was a student at XXXX XXXX from XXXX. During this time I used XXXX XXXX as my lender. Once they became Navient I have had nothing but problems. I was on a payment plan from XXXX. During this time I was paying {$310.00} every month and funds went to all loans. Once Navient took over, only certain loans were being paid and others were defaulting. In XX/XX/XXXX I returned to school and some loans were in deferment. During this time I knew some loans had reached their maximum deferment time and I was preparing to do another payment plan. Loans that my mother had consigned were " in deferment '' or so I was told. I was arranging payment plans for the loans my father had cosigned and was going to do a monthly plan as I had done before. As I was checking on his loans I was told not once, not XXXX, but XXXX times on different occasions that my mothers loans were I deferment. Come to find out they were not and her credit report suffered. They did not just tell me her loans were in deferment they also told her they were as well. My father called to give his financial information and was on the phone for an hour. Days later when I called back to finalize they did not have any record of him calling. He had to call again and repeat everything he had just given him. Inconveniencing him for their error. My mother had to call and give her information after angrily stated that she and I had both been told that her loans were in deferment. She also had to call a few times because they did not " have record of her calling ''. Once I finally got things straightened out I made a payment and set up a 14 month automatic payment plan. As the month after I made the initial payment went on I kept getting emails saying I was late on my payment. I called and said that I had made a payment and am on a payment plan to which I was told " yes you are you should not be receiving these emails ''. Then a week later my mother gets a report from her credit company saying her score went down XXXX points due to non payment to Navient. I called them again and they AGAIN stated that I was on a plan and that they can see the payment I made. I asked why our credit was still taking hits even though I have done the right thing and gotten onto a plan and given them money. I was told we would have to contact our credit reporting sites and ask for it to be removed. Further inconveniencing us for their errors! To top it off I can not log in and see the totals on my loans because of " account status ''. I have paid them money! I am on a payment plan! How is it legal to keep people 's financial information from them? This company is terrible and I am looking into legal actions as they have more than once messed up mine and my parents credit report due to their own errors. Their poor business practices need to stop. They can not go on treating people the way they do and not caring that they cause unnecessary headaches.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof
( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Preferred Lease has been falsely reporting information on my credit report for the past 6 months. I used this company to lease some furniture and after paying the balance of XXXX on XX/XX/XXXX, I requested to have it picked up. After speaking with the CSR on the phone, he assured me that the account would be marked for recovery status and that the payments would cease. More than a month later, Preferred Lease reports to the credit bureau and flags my account as delinquent. I had called several times because the furniture still wasn't picked up. I called almost weekly, some times more because it was never picked up. I was told that someone named XXXX would call and set up a pickup time. I sent the photos requested, I sent the information showing the payment made on XX/XX/XXXX. The next month, they reported to the credit bureau and showed I was late. I called again, the furniture still had not been picked up. I asked why were they reporting to the bureau when I had asked to have the furniture returned. XXXX said that I was still liable because they had not picked it up yet. I reiterated to XXXX that I had requested several times to have it picked up with no success. I again requested the furniture be picked up. 65 days later on XX/XX/XXXX, the furniture was retrieved. Again, they reported my account as late 60 days and filed as a voluntary repossession. I was told the return was allowed because it was a lease. When I called to ask what was going on, I was told that they were showing the account as CLOSED. On XX/XX/XXXX, Preferred lease was updated AGAIN! From {$300.00} to {$890.00}. The person I spoke with on XX/XX/XXXX, searched and stated that they had no open accounts in my name. It's reported that I owe XXXX and last payment was XX/XX/XXXX. The report dated XX/XX/XXXX shows last payment on XX/XX/XXXX. They are also reporting the account balance as {$3200.00} It should be XXXX because it was a lease, and I was given the option to return it. As of XX/XX/XXXX, this account is still on my XXXX credit report as 90 days delinquent and owing {$3200.00}. I filed a complaint with the XXXX on XX/XX/XXXX and received a response that said the company believed their information was accurate, but that they would request a deletion. The account was closed per previous conversation with corporate, so the letter is a false statement. 
Product_Or_Service : XX/XX/XXXX Account_Number : XXXX
Product: Credit card or prepaid card

About XXXX, I worked at the same job for 19 years rapidly climbing the ladder to a management position. During the next several years my credit was excellent. During the downfall of the late XXXX XXXX I had financial problems and some hospital bills that eventually led me to bankruptcy. All debts were listed as required by the courts and my bankruptcy was settled, stamped-and I had 10 years of basically no credit. The 10 year waiting period was over about 4 years ago-and my credit score has regained it 's once good rating. I 'm still only at XXXX, but out of the 5 cards that I have-2 credit and 3 store cards totalling XXXX worth of credit with an outstanding balance of all of them combined of about 6,000usd. I have applied for an American Express card twice in the last year. They have denied my request because of the fact that I added that account to my bankruptcy and still owed them money. My bankruptcy is completely off of my record. Why would one credit card company be able to do this when all others do not even keep those records. They have been forgiven as they are insured. The XXXX XXXX XXXX XXXX that I had for many years was actually given to me by my employer. I made the payments that were not business related, but it was still under the business name. Is it legal for them to do this? I can certainly live without one of their cards, but why are they able to hold onto those records that were dismissed by the federal court system in XXXX XXXX a long time ago. That is their reason for not issuing one to me-een a green or now a blue XXXX! It is because I owe them money-from a business account that actually belonged to the business, making them the responsible party. I listed it to protect myself in the event that a special law would in fact make this my responsibility, which I felt it was, actually, thus listing it. They are holding onto these records now for 20 years now. XXXX did not do this or any other card I now hold in good standing again. Thanks for your time. Happy Holidays-regardless of what the XXXX XXXX! I do say XXXX XXXX to my family, but what is this nonsense of being too politically correct? Oh-wrong timing here. Sorry! 
Regards, XXXX
Product: Checking or savings account

On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX   SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus. 

I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved. 

I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days. 

I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus. 

I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo. 

I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank. 

I asked for a Manager and the manager opened a ticket and told me they would get back with me. 

I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application. 

I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account. 

Then I got a 3rd call from the promotions department telling me they did not see the promo on my application. 

After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint. 


I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit card or prepaid card

On XX/XX/2018 via online chat at XXXX I inquired about closing my account and paying my balance. After XXXX told me the reasons why I shouldn't I agreed and I asked the person I was chatting with online to NOT close my account. He continued to close my account. He told me he could not rectify the issue. and gave me a 1-800 number to call. That was the wrong number ( the number for XXXX credit cards, not store credit cards like mine. ) I was then transferred to another phone number that lead to an automated machine that could not help my situation. XXXX has not been any help. I took pictures of the chat. Let me know which email I can send it to. Thank you.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX, has violated my rights. 

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 that consumer reporting reporting agency can not furnish a account without mu 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX and CREDIT CORP SOLUTIONS INC for FCRA Violations I am filing this complaint regarding XXXX 's failure to properly investigate and remove inaccurate information reported by CREDIT CORP SOLUTIONS INC ( File ID : XXXX ) on my credit report. 

Key issues : Violation of 15 U.S.C. 1681b : XXXX furnished my report without my written consent. 
Failure to verify accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX 's investigation did not ensure maximum possible accuracy. No evidence of my relationship with the original creditor or valid debt assignment was provided.

Reporting prohibited adverse information ( 15 U.S.C. 1681c ) : The entry is an unlawful adverse item unrelated to criminal convictions. 
Identity theft ( XXXX CFR XXXX ) : The account uses my personal information without authorization. 
Furnisher violations ( 15 U.S.C. 1681s-2 ) : CREDIT CORP SOLUTIONS INC failed to conduct a proper investigation and continues reporting unverified information. 
I previously disputed this information with XXXX, but they claimed it was accurate without providing evidence. I've received no proof of my consent, debt validity, or XXXX 's verification process. 
I request that the CFPB investigate these violations and ensure XXXX removes this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention the following details : I have an outstanding debt with XXXX XXXX XXXX amounting to {$7300.00}, which originated during the pandemic on XX/XX/year>. This debt was transferred to XXXX XXXX XXXX by XXXX XXXX and was initially covered by the rental assistance program. Since XX/XX/year>, I have made attempts to dispute the accuracy of this debt through both Experian and XXXX. I have requested XXXX XXXX XXXX to provide me with a validation letter, either via email or mail, that includes my signature as the joint applicant, to demonstrate that I am indeed responsible for this debt. I have never engaged in any business dealings with XXXX XXXX XXXX. Despite my efforts, the XXXX XXXX XXXX has continued to report inaccurate information and has refused to rectify the situation even after conducting an investigation. This noncompliance with the FCRA laws has prompted me to seek compensation for damages for each month that inaccurate information was reported on my account. I have estimated that each month of inaccurate reporting constitutes a separate violation, with damages totaling {$1200.00} for each instance.

Under the regulations stipulated in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, debt collectors are mandated to incorporate a " debt validation notice '' within their collection correspondences. This notice serves the purpose of apprising the debtor of their entitlement to formally challenge the debt in writing.

Under 15 U.S.C. 1692i, this provision delineates the specific jurisdictions in which debt collectors are authorized to initiate legal proceedings against consumers.

Under 15 U.S.C. 1679 ( b ), credit repair organizations are prohibited from making or using any untrue or misleading representations of their services. These organizations are precluded from making or advising consumers to make any untrue or misleading statements regarding their creditworthiness, credit standing, or credit capacity to any consumer reporting agency or to any person who has extended credit to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, JPMC Card Services. They are using my information to make fraud with my social security and affecting my credit. XXXX XXXX XXXX MY P.