23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Navient Student Loans to ask for a lower payment plan because they keep raising my monthly payment amount. I was told the only way that I could qualify for a reduction in my payment was if I completed a verbal financial statement. I gave the Agent my information and she rudely cut me off saying I did n't have any disposable income and then said she was going to put me on hold to check my credit. After a fairly long wait, she returned to the line and asked what other student loan companies I was paying. I told her XXXX XXXX XXXX XXXX and XXXX. She told me that she did not see the names of those loan companies on my credit. I told told the agent that I did not give her permission to check my credit and she responded with the statement that she did not need my permission to check my credit. I told her she did and she cut me off saying that the names I gave her were not on my credit. I told the Agent that XXXX was XXXX Bank and XXXX is XXXX XXXX XXXX XXXX XXXX. The Agent 's story then changed. She claimed that she saw those companies on my credit but, that they showed the loans in forbearance. I reassured her that I was paying the companies monthly and she then demanded that I send in copies of my banking statements to prove I was making payments. I told the agent that I was not sending my banking information but, I could send in the monthly statements from the lenders. The agent then said I was asking for help and since I was refusing to send in my banking statements, she was going to put on my account that there was nothing they could do for me. I feel like there is something unethical and illegal going on with this company. I am trying to communicate with them and pay my student loan. All I asked the company for is relief on the monthly payments and I was yelled at by an agent who checked my credit without my permission. Navient should be investigated.
Product: Credit reporting

I check my Transunion, XXXX and XXXX weekly for errors because I am in the process of repairing my credit. I checked Transunion on XX/XX/2017 and 2 accounts were removed the week of XX/XX/2017 and XX/XX/2017 and reinserted on XX/XX/2017 Spoke with Transunion on XX/XX/2017 and the Supervisor stated only 1 account was deleted. The other account in question is XXXX XXXX XXXX ( reinserted ) without any notice to me. Also 7 credit inquiries were also removed and reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX    XXXX {$740.00} WXXXX XXXX XXXXXXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove these items which are frauds from my personal credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX  XXXX XXXX Balance : {$950.00} ; XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022.
Product: Mortgage

SunTrust has denied providing me with the underwriter 's approval and verification documents of our loan, among other documents of which I 've requested through XXXX previous CFPB complaints against them. We have now just received correspondence from them and their attorneys, XXXX of XXXX, GA, that our home has been placed with XXXX for foreclosure. This is their third attempt to exercise foreclosure based on a fraudulent loan obtained through predatory lending practices. Again, the loan type is a 10-year interest only ARM of which we entered in XXXX. This term was not clearly highlighted on the first page of the 82-page loan document, but was essentially masked several pages and paragraphs later ( which was finally pointed out to us in XXXX! ) In XXXX, we were not provided the document for review ( 3 ) business days prior to closing, as is now the law. This loan type and disclosure practices are now unlawful, yet they continue to harass us with their attempts to enforce the loan terms. They have refused full disclosure and transparency with regard to our loan, therefore, denying us the ability to effectively re-negotiate a fair loan agreement. At the very least, by refusing to disclose the underwriter 's verification and approval of the loan, SunTrust Mortgage is in violation of the Truth in Lending Act.
Product: Checking or savings account

I asked Chase bank where I have my Business Account to file a claim regarding a wire transfer which I sent to Business account in XXXX  XXXX XXXX, I got scammed I sent wire transfer to seller of product in the amount of {$59000.00}. 
Never recieved the product, Chase Bank opened a claim case number XXXX. Five Days later Chase Bank sends me a letter in Chase portal that Wire can not be reversed that I benefited from this wire transfer without even Bothering or investatigating or asking me. 
XXXX  XXXX XXXX trying to cover up their customer probably they are opening fraudulent Business accounts & now trying to protect their fraudster account holder XXXX XXXX XXXX is scamming people
Product: Credit card

Upon making a payment on my Care Credit card, on XX/XX/24, I discovered the interest I had been charged was {$380.00} on a {$4500.00} balance. Looking at the previous month 's statement, I had been charged {$310.00} in interests. When I contacted the bank, in an attempt to negotiate the interest, I was told I was ineligible and the only option was to close the account, but the interest would still accrue. I was not attempting to not pay the bill, but I can't afford the interest which is more than I pay on a $ XXXX car, so I closed the account.
Product: Debt collection

XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to Citibank. 

XXXX XXXX Bill of Sale XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX  XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX  XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit card

I opened a credit card on with Indigo Card in XXXX right before I went to Texas for the Holidays, also my road is in rough shape because of flooding in Vermont. I asked them to mail to work and it was not received so then I asked them to mail the credit card to Texas so that I may receive and explained I was going on Vacation, they did and I received it. 

I activated the card in the middle of XXXX when I received it in Texas and my first purchase was declined. I then received a letter stating I need to show proof of identification and address which was provide on the XXXX of XXXX. They are stating it was received the XXXX and it will take weeks to process. I got the credit card to use for the holidays. The charged me a memebership fee of XXXX dollars of have reported it to credit bureaus, plus charged interest. However, as I can't use the card I'm very upset. They are blocking it not letting me use it! I NEED MY CARD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit report from TD Bank USA / Target C. 

I have never done business with nor inquired information or submitted my personal information with the companies referenced above and therefore do not authorized a hard inquiry on my credit report. 

I am on and have been on XXXX XXXX military status and can confirm I did not submit or approve these inquires.
Product: Credit reporting or other personal consumer reports

In early part of XXXX  Transunion lowered my FICO score for no reason from XXXX to XXXX. They have never given an intelligent reason for doing it. XXXX, for example just raised my score to XXXX. Transunion should do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation Bowen v. Needles Nat.Bank,94 F 925,36 CCA 553, certiorari denied in 20, Ct 1024,176 US 682,44 LED 637. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX 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, XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, TransUnion, and XXXX it shows 2 times with 7 late payments XXXX XXXX XXXX Closed XX/XX/2015 {$44000.00} I have contacted them but nothing was done about it.
Product: Debt collection

I contacted XXXX XXXX to have a door put in my basement. XXXX XXXX and I had discussed some issues that we were having with the completion of the project. I have been in communication via email with the manager XXXX and explained to him that I was dissatisfied with the service he responded through email stating that he will contact me back. Since XXXX of last year I have been calling and calling and he had not answered the phone. Finally, in XXXX I gave up calling. XXXX I received a debt collection. I contacted the debt collector and let them know that I want it to dispute the total charge because I didnt get call back from the store manager. The debt collection manager put in a request to speak to XXXX XXXX XXXX manager but no one has responded back it has been well over 30 to 45 days and I have emails from the debt collector stating that XXXX XXXX has been non-responsive to them as well. 
I do not feel this is fair to me as a consumer when I have been trying to resolve this since XXXX of last year. I have Phone records and emails from both XXXX XXXX and the collection agency and no one is able to tell me anything. The collection agency is telling me that the results of my dispute will remain open indefinitely until XXXX XXXX  decides to respond to my complaint. my dispute was filed XX/XX/2022 with Joseph, Mann, Creed. If necessary please let me know because I have phone records I am able to show you from XXXX showing I have been calling the store as well trying to get in contact with the manager.
Product: Credit card or prepaid card

I received a card from AMERICAN EXPRESS. Days after the card had a hold placed onto it. I had to go through a process to get it lifted. After getting it lifted I tried to resume using it, yet transactions were still declined. I followed up with them again to be told that I dont have a preset limit, but that Ive reached my limit .. at only {$2100.00}?? I am aware of the consumer credit transaction process and I know that nothing was lended to me and only I, the consumer is using an extension of my own credit. 12 usc 83 says that they cant loan a thing! 12 usc 1431 they are in fact borrowers. 15 usc 1602 L - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. - that means the social security card number that was required to be given is in fact a credit card per federal law. 15 usc 16675 The terms security and security interest mean any interest in property which secures payment or performance of an obligation. 15 usc 1602 m The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. According to 12 CFR 1002.2 an account means an extension of credit. Referencing to the social security card account number.. 15 usc 1602J this account is an open end credit plan.. XXXX stated they only use the social security card number for identification purposes but the SSA clearly stated FOR SOCIAL SECURITY PURPOSES NOT FOR IDENTIFICATION. XXXX clearly and repeatedly stated that they have lended me money and that was very false and misleading 15 usc 1611. She then stated that they lended me credit and thats very deceptive as no financial institution can lend their own stock credit and I in fact know I am the one whom extended credit. I am aware that this financial institution is receiving federal funding and trespassing against the consumers estate and LIMITING I, the consumers benefits.
Product: Credit card

preface : previous complaint # XXXX With this complaint i CLOSED this account. A couple weeks later, I received a closing balance statement in the mail showing XXXX with notification that the account is now closed as of XX/XX/XXXX from, Goldman Sachs. 
Several months later, I receive a voicemail from GS that they illegally reopened my account and put a balance on it, of XXXX XXXX XXXX XXXX XXXX XXXX I called them back and told them that this was illegal activity, I owed them nothing and I have mailed statements to prove it along with the closing in XX/XX/XXXX. 

Goldman Sachs is now destroying my pristine credit AND threatening my livelihood ( because my top-secret clearance career depends on quality money management w/o debt collections ). They are doing so by Posting illegal past due bills and charge offs to my Credit report did they claim started in XX/XX/XXXX!!!!!. Illegally reopening my credit card account and putting a fee on in Retaliation for my complaint # XXXX.
Product: Credit reporting or other personal consumer reports

The wrong things are on my credit report from background check to things that arent in collections anymore or that i didnt do and i also have identity fraud report. Also they reported a bankruptcy that was not disclosed for credit due to public recorded. I have a paper stating it was not legally obtain or for public record
Product: Checking or savings account

My debit card was stolen and used while I was incarcerated and {$930.00} was charged on multiple transactions. I was released on XX/XX/XXXX and I reported the unauthorized transactions to SoFi. They opened a dispute and I received notice on XX/XX/XXXX that the dispute had been finalized and no refund would be given. I replied and disputed the findings on XX/XX/XXXX and they closed the dispute on XX/XX/XXXX. I responded multiple times over the following two days. I made many phone calls in the next few weeks. Due to the unauthorized transactions, the account went negative {$45.00} and was closed on XX/XX/XXXX. I called and spoke with a representative on XX/XX/XXXX who reopened the dispute and sent me the reason for my dispute being denied. SoFi states that the merchants were known merchants of mine. Yes, I have eaten at XXXX, but I was in prison over 5 hours away from the merchant. All transactions were run as credit and my pin was not used. Another reason that they gave was that the debit card was not reported stolen within two days, but I was not able to report it as I did not know until I was released on XXXX and I reported it the same day. I have called and opened the dispute again and have provided legal proof that I was incarcerated and today I received notice that it was closed and denied again. I could not have spent this money, did not spend this money, and should be completely indemnified as my money should have been insured.
Product: Checking or savings account

1 ) XX/XX/XXXX My account with U.S. Bank was locked without notice or explanation. I contacted a service representative who told me they could not give me a reason but my funds " should '' be disbursed by check " shortly '' and I should contact my branch for more information. 
2 ) I tried to contact my branch, but they did not return my calls.

3 ) I then left a negative XXXX review on my branch 's page and threatened to get the CFPB involved. I was contacted that day ( XX/XX/XXXX ) by a member of the corporate social media team ( not my branch ) who couldn't give me an explanation but alleged they had " escalated '' the issue with corporate. 

I still have no explanation or expected date that my funds will be returned, only vague assurance that there is a process in place. I am actively struggling to meet financial obligations due to this issue. I am submitting this complaint in hopes it will expedite things and get me some answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX  XXXX Balance Owed : {$950.00} ; XXXX  XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 have 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 a consumer reporting agency can not furnish an 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: Debt collection

Amount :  XXXX  I moved to NJ in  XXXX , this was open on  XXXX  in  XXXX , .PA. I call & they were very rude, refusing to listen & just asking how I 'm gon na pay. FRAUD I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother home bound due to current health issues. I have no income, I even said if I could get this resolved with  a manager, they  refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP.       I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.     Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and  Southw  est Credit System refused to listen or help
Product: Checking or savings account

I used my account to buy some stuff on XXXX XXXX of XX/XX/year> I just opened the account and after trying to purchase I got a refund from XXXX of {$490.00} cause XXXX of the product wasnt available and after that my account got frozen and till this date I have been calling and they keep telling me they cant tell me why they cant send me my money and its been under review I have called and ask questions and also told them I know my rights and no bank can hold my funds over a year without a reasonable cause I have a total amount of XXXX in my account and they have also been adding interest over the years and I asked them why add interest when I dont want to bank with them and I just need my money sent to my address in form of check, this company ( SoFi bank ) have refunds to provide me reasons why my account is still frozen and still havent closed my account and send me my balance of XXXX