23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase on XX/XX/2023 a product " I thought was made in America '', an American made product, and after I investigated the matter further, I discovered the product was made and being shipped from " XXXX XXXX '' ( Doesn't say that on the website when ordering ( deception advertisement ). So I immediately cancelled the order by email, but the merchant has chosen not to cancel the order even though it was " cancelled within " 24 '' hours '' of it being ordered ( see screenshot of merchant email ). I have a right under American Consumer laws to cancel a order if it is canceled within 24 hours before shipping. I Have sent several emails to that affect to no avail. They have sent a tracking number saying the order has been shipped even though I requested the order be cancelled over 12 days ago. ( see screenshots ). I filed a dispute with XXXX credit ( case # XXXX XXXX XXXX 12 days ago asking the order to be cancelled and refund my money to my paypal credit account to no avail, they sent me a tracking number this morning, but I still do not want the order. I cancelled the order over 12 days ago. Paypal credit refuses to close the case and refund my money which is my right as an American Consumer, according to the FTC, CFPB and FRCA.
Product: Debt collection

Nelnet is currently reporting accounts in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Product: Credit reporting

My husband and I have auto insurance coverage with XXXX for over a year. Today I received a notification from XXXX stating my husband can no longer be under the insurance because of a recent information received by LexisNexis Consumer Center. The information received was XXXX happened XX/XX/XXXX and removed by judge in court on XXXX.
Product: Mortgage

I am one who filed for loan modifications with Wells Fargo. Due to injuries sustained in a XXXX automobile accident, I was unable to make mortgage payments beginning In XX/XX/2015. From that point untilXX/XX/2017 when I was forced to sell my home of 20 years well under market value in order to avoid foreclosure, I was in constant communication with Wells Fargo and even asked how much earnings I needed per month in order to qualify for the modification. XXXX XXXX, the loan specialist assigned at the time stated, as much as you possibly can, while refusing all requests for a specific answer to my query. Since selling the property I have had tremendous difficulty, having moved 3 times in the past year, completely destroying cherished belongings and relationships along the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to provide adequate security and protection for sensitive information that could impact my financial life for decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX   partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX  ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.
Product: Mortgage

We applied for a loan modification in XX/XX/2018 after nine months we received paperwork to set up autopay, during this process we were told we did NOT have to make the old payment, we could wait until the modification amount was set. Two days ago we were mortified to see the payment had gone up, and the interest rate had increased one full point. My husband refuses to sign to the terms and now we have been made aware the payments not made will be reported to the credit bureau, but the old payment and interest rate will be restored if we refuse to sign the modification How can they realistically think anyone would apply for a modification to have the payments and interest rate go UP. Is there anybody that can help with this, or anywhere we can be directed to go for help. This should be a class action suit.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting or other personal consumer reports

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were XXXX additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called XXXX, XXXX, and Equifax to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request. 

I am submitting a second report for Equifax specifically because for some reason unknown to me there were several more recent unauthorized inquiries on my Equifax report that were not on my XXXX or XXXX report. I am unsure why these inquiries are only on my Equifax report but I have listed the unauthorized inquiries below that I need to dispute. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

Trans Union deleted and then reinserted the inquiries without notifying me. Inquiries fell aoff and I never received the 5 days notice..
Product: Debt collection

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS XXXX
Product: Credit reporting or other personal consumer reports

was recenty reviewing my Credit Report and noticed that there were raudulent accounts that I did not authorize. 
Under the Fair Credit Reportina Act ( FCRA ), 15 U.S.C. 6 1681. I have the ight to dispute inaccurate, fraudulent, or unverifiable information on my credil report. I request that this account be removed from my Credit Report XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax and XXXXXXXX XXXX are violating my consumer rights by reporting XXXX XXXX XXXXXXXX late payment for the that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Due to the FCRA this is a violation, which is actually Illegal Pursuant to 15 U.S.C s 1666 ( B ) see below. 

XXXX XXXX Was the reporting late date XXXX XXXXXXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I started a mortgage loan on XX/XX/XXXX with a company SouthEast mortgage. It started as a USDA loan they preapproved me on. Well after some time they contact me and say the house is too much for the USDA loan I needed to get the FHA loan and qualify for the GA dream loan for the down payment. XX/XX/XXXX I worked for myself and have filed for a tax extension. Which they have known about since they asked for my XX/XX/XXXX XXXX in the beginning. They said it will be fine most likely after the underwriter reviews it before conditional approval. Some more time goes by and turns out I did not qualify for GA dream like they said I did because of the XX/XX/XXXX tax extension which they already knew about but I guess forgot. I was told to get an appraisal to make sure the house was going to appraise for the sellers asking price. I did so because they kept telling me all my paperwork was pretty much good so far including the XX/XX/XXXX tax extension and my self employment of that year. So we get conditionally approved for the FHA loan and everything we sent over ( after explaining to them at least 3 times in e-mail and even more times over the phone had to remind the mortgage agent that I did not have XX/XX/XXXX XXXX or returns for them at this point ) and they just wanted a few more documents and explanations which I delivered to them. XX/XX/XXXX comes around we have already paid the inspection now and my mortgage agent stated " the underwriter has approved everything '' when I asked about buying home insurance but was concerned if the underwriter was going to deny me because of the taxes ( since they kept asking for it no matter how many times I explained it to them it seemed ) after I bought insurance. So after being told my XX/XX/XXXX taxes were approved long before conditionally approved than being re-assured everything was approved and ready for closing on XX/XX/XXXX they got behind somehow we found out XX/XX/XXXX that we were not going to be closing cause they got behind and had to file for an 8 day extension. Later on in the evening I get a call saying the underwriter has decided to deny my loan because of my XX/XX/XXXX taxes and work year. Something I was told was okay since XX/XX/XXXX something they have known about for so long it took them until 3 days before closing to deny me based on information that never changed and they had access to review since XX/XX/XXXX. With this sudden change of heart by them I had already bought the appraisal and inspection and lost my earnest check. Not to mention I gave up the lease at my apartment so at the end of this month my girlfriend and newborn daughter and I will have no where to go because of this on top of them keeping all my money. The amount of XXXX XXXX and XXXX this mortgage company has caused my family with their lies and theft is unbearable with my current situation. Please help me I followed through on my due diligence gave them all the info they asked for and they scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of inquiries XXXX and Equifax said they can not help me I need to call or send each creditor letter to dispute.
Product: Student loan

Subject : Urgent Request for Loan Forgiveness Due to Severe Financial and Health Hardships Dear XXXX XXXX  XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to express my profound disappointment and distress regarding my recent experience with Mohela, particularly concerning the update ( or lack thereof ) on the status of my application for student loan forgiveness.

Over the past few months, I have encountered significant challenges that have not only impacted my financial stability but have also taken a toll on my health. As a person living with a XXXX, these challenges have exacerbated my situation to the extent that affording essential medications has become a struggle, further endangering my health and well-being.

I had placed my trust in the student loan forgiveness program as a beacon of hope that could alleviate some of the financial burdens and allow me to concentrate on improving my health. Unfortunately, the lack of updates and communication from Mohela regarding the progress or adjustments to my loan forgiveness application has left me in a state of uncertainty and despair.

Given the severity of my current life circumstances, including my XXXX and the direct impact on my ability to manage my health effectively, I am reaching out to request an immediate review and processing of my application for loan and interest discharge. This relief is not just a financial necessity but a critical lifeline that will enable me to focus on my health without the looming stress of insurmountable debt.

I understand that there are protocols and procedures in place for handling such requests, but I kindly urge you to consider the gravity of my situation. Discharging my loans and interest would not only rectify the distress caused by the lack of action on Mohela 's part but would also provide me with the means to move forward, prioritizing my health and recovery.

I am more than willing to provide any additional information or documentation required to facilitate this process. Please guide me through the next steps and any specific actions I need to undertake to expedite my request.

Thank you for your understanding and prompt attention to this matter. I look forward to your compassionate consideration and a resolution that will help lighten the burdens I currently face. 

Warm regards, XXXX
Product: Mortgage

The company who services my mortgage loan has failed to remove PMI, despite the fact that I have achieved 78 % loan to assessed value ratio.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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

Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are XXXX XXXX XXXX and American Medical Collections.
Product: Credit card or prepaid card

Applied for an American Express business credit card on XX/XX/XXXX. Was solicited several months during XXXX and early XXXX by American Express for a pre-approved offer by the company for my business, XXXX XXXX XXXX. I applied for the American Express XXXX XXXX XXXX XXXX. I attempted to accept this offer by applying and was denied. I do not have a fraud alert on my credit report, both my business and personal credit scores are excellent, my XXXX  is currently at above XXXX across the board. This doesn't make any sense. Of all reasons to be denied for a credit card, my credit score would never be a reason or factor for denial.
Product: Student loan

I have been attempting to refinance or settle my loans for years. I have sent letters, called, faxed, and I keep getting sent to different departments or phone numbers, all of which direct me back to Navient. Navient will not help me. They claim they have no record of correspondence I have sent, even though I have confirmations. I requested new payment arrangements, they put it in forbearance, which led to HUGE increases in interest. When I was unemployed, they did nothing about income based repayment, but deferred it and charged 9 % interest. Now, my {$15000.00} in student loans are up to {$40000.00}. I have tried to discuss income based repayment, but have gotten no where. I have tried to settle the loans for a lump sum, but first they told me they were processing it. Then, they told me they had NO record of my request. Then I was sent to the Federal Student Aid department who told me they had nothing to do with this. I work for a non-profit. I have been there 6 years. I could be through a large portion of forgiveness, but i have been forced into forbearance and deferment to my detriment. I have been lied to, misdirected, poorly advised, and given different answers every time I call. I want to make a settlement on my loans, refinance them,. anything. I am XXXX years old and I can not go into retirement with loans at 9 % of {$40000.00} when I borrowed only {$15000.00} and graduated in 1996. Please give me direction as to WHAT I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX
Product: Student loan

XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$5.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} I already had a hard enough time getting XXXX XXXX to process my PSLF paperwork. It took MONTHS for them to correctly process my paperwork, forcing me into forbearance. I have made the following payments towards my PSLF program and my account is showing NONE of the payments have been applied towards my 120 qualifying payments. I do not know what the {$5.00} was for. I received notice that amount was past due, even though I had made the full {$98.00} payment on XX/XX/2018. I need this rectified IMMEDIATELY! Me making payments on time, towards my 120 payments and them not being applied, is wrong and cheating me out of my qualifying payments ... forcing me to try to make MORE qualifying payments.