23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Student loan

On XX/XX/XXXX, I submitted CFPB complaint number XXXX. On XX/XX/XXXX, Mohela provided a response that did not specifically address my complaints and included blatantly false information. 

Mohela is either grossly incompetent in managing the dates of correspondence, requests and actions, or blatantly dishonest. Either scenario is unacceptable. 

My feedback on the response is as follows : The response is not accurate. Information the company provided about the SAVE plan is accurate NOW, but is not accurate as of the time I submitted the application. Since the time of the application, I have refinanced a significant amount of my loans. It is also not the servicer 's job to decide which repayment plan is best for me. Further, the complaint was about the fact that a forbearance was placed even though I did not request forbearance. The servicer states that the forbearance was removed as of XX/XX/XXXX but that is false. In fact, this complaint was submitted on XX/XX/XXXX and the forbearance was not lifted at that time. It has since been lifted, so this point is moot, other than Mohela 's lack of timely response and either their blatant dishonesty or their lack of competence around the timeline. 

Mohela states that payment instructions were submitted on XX/XX/XXXX. This is also blatantly false as evidenced by the correspondence I attached to the original complaint. Payment instructions were submitted on XXXX and as of XXXX, still have not been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 als o states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my alerts on Experian and came across a court record that had been dismissed on XX/XX/2012. This record should not be showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that are inaccurate. Also, some have fraudulent history and I want them removed.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against MERCHANT AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I am reporting inaccuracies related to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  listed on my credit report. XXXX is reporting a balance of {$3700.00}, while Experian shows a balance of {$4300.00}. Additionally, the payment history is erroneous, with XXXX reflecting 120 late payments over three years and Experian reporting a single 180 late payment in XX/XX/year>. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information. Experians failure to investigate thoroughly, as highlighted in the CFPB 's recent lawsuit, is concerning, and I will pursue legal action if this issue is not resolved. Please remove this account from my credit report immediately. Attached are relevant documents for your review.
Product: Mortgage

My loan was transferred to HomeloanServ after my closing. I began making my payments in XXXX, but went on maternity leave in XXXX. I called the company in XXXX noting that I wouldn't able to make the full payment as I was on maternity leave and my income was reduced. I was told that there was nothing that can be done for me until I miss two full payments, which would ruin my credit. I was sent documentation to fill out and was told to wait until the end of XXXX to submit them. Two weeks after submitting my paperwork I was given a call and asked how much can I pay. we agreed on an amount and that was that. I never received a document stating what program I was on what the stipulations were, what would happen at the end of the program nothing. I called back in XXXX and spoke with a lady who told me some information but was very vague and told me I had to speak with my assigned case worker XXXX XXXX XXXX also inquired about the new program signed by Biden to into HUD to reduce lenders PMI, she had no knowledge but did look it up with me on the phone and said she would make a note of it as well. We ended the call with her noting she would let XXXX know to call me. I never received a call and called back and left a message. On XX/XX/XXXX I received and email from XXXX with a phone number to call. We had a conversation about the lack of information I was given during this process and how I was not informed of my other options. She agreed that I was placed on the wrong program, but assured me that the program I was placed on was the best one for me. I also inquired with her on the PMI reduction program signed by Biden and she had no knowledge of it and stated she would get back to me. I did not hear back from her at all. After speaking with a lawyer I was urged to give the company a call back and find out what program I was on as well as any documentation as to what happens when this program ends. I emailed XXXX on XX/XX/27 and requested documentation and she responded with a phone number to call. I called XXXX and asked for a the document attached which only states the agreement. I asked her what were my options once the program was over in which she was extremely vague. She stated there were multiple options but a resolution would be noted when we as the end of the program comes. I asked if I was not financially able to make the full payments at the end of the program what are my options. She noted that I would have to put my house up for sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XXXX credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information removed from my credit reports.
Product: Credit card or prepaid card

This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that several charges were on the account. I have not used the new card at all due to the previous issues. Further, per the balance transfer agreement and previous correspondence, attached, there should be no finance charges for the first 15 months. Also, there is a cash advance fee but no cash advance showing. 

On XX/XX/XXXX I contacted HSBC via chat and also on XX/XX/XXXX but so far, there has been no resolution. Please reverse the charges for XX/XX/XXXX forward. Thank you.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to file a formal complaint against KeyBank for XXXX discrimination in the lending process. My name is XXXX XXXX, and I recently applied for an auto loan of {$20000.00} from KeyBank. However, my application was denied, and I strongly believe it was due to my XXXX 

As a federally regulated institution, KeyBank is obligated to follow federal laws and regulations that prohibit XXXX discrimination in lending, such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act. These laws aim to ensure that all individuals are treated fairly and equally when seeking credit. 

Despite these legal protections, I feel that KeyBank failed to adhere to these standards and engaged in discriminatory practices during my loan application process. I was not provided with a clear reason for my loan denial and was left feeling that my application was unfairly judged based on my race. 

I am filing this complaint with both the National Fair Housing Alliance and the Consumer Financial Protection Bureau to request that they investigate this incident and hold KeyBank accountable for any discriminatory practices. As an affected consumer, I believe it is important to hold financial institutions accountable for any actions that violate federal laws and regulations. 

I request that the National Fair Housing Alliance and the Consumer Financial Protection Bureau investigate my complaint and take appropriate action against KeyBank if found guilty of violating these laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/year> money, {$3500.00}, was taken out of my escrow account and paid to someone else 's homeowners ' policy. I did not realize it until my mortgage payment went up due to an escrow shortage. I have made many attempts to have this corrected and my escrow refunded, and I am being told I have to wait until the homeowner who's policy was paid reimburses his insurance company and then they reimburse Mr Cooper who will then reimburse my escrow. I feel this was their mistake and my escrow should be immediately reimbursed, and a new escrow analysis should be done to get the proper payment. Waiting for reimbursement can take months. I feel it is their mistake and I am being punished for it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Experian due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX, XXXX and XXXX. XXXX XXXX removed this account from my credit report and then re-added this same account several times over the course of the last 4 years which is a violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). I did not obtain a new loan in XXXX with XXXX XXXX XXXX XXXX and I do not know if this means that the loan was sold as no information was provided to me regarding this nor did I give consent to have my personal information sold to a 3rd party. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

XXXX have never had an account with this company NAVIENT XXXX XXXX REMOVE from all credit agencies from reporting. 
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are NAVIENT SOLUTIONS XXXX the XXXX collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX.According to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.
Product: Credit card or prepaid card

Sears continues to report that I have a collection balance owed to them for over {$2000.00}. This is incorrect, as I legally settled this debt in full with their attorney, XXXX XXXX XXXX XXXX, in the past. This account should now report {$0.00} owed. I have disputed this account at XXXX, XXXX, and XXXX XXXX ; but Sears continues to tell the credit bureaus I owe them money, when this account has already been settled in full. I am attaching a copy of the settlement with the Sears attorney, but you can also call the attorney at XXXX, to confirm the account has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the wrong information to the three credit reporting agency. I have disputed this account to Discover Card, TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the Better Business Bureau ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX XXXX responded that the information being reported is accurate. I sent certified mail to TransUnion, XXXX and XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, TransUnion, XXXX  and XXXX. 

My credit history should report the payment being charged off in XXXX of XXXX, not XXXX of XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
Product: Credit card or prepaid card

signed up for the Citi/AAdvantage Platinum Select World Elite Mastercard and was approved on XX/XX/XXXX. During this time, they were running a promotion for XXXX bonus miles when you spend {$3000.00} or more in the first three months. This is the reason I applied for this card. I met my minimum spend and was only given XXXX bonus miles. I chatted with a customer service agent through the website on XX/XX/XXXX and was informed that I need to provide them with proof of this offer. How can I do so when the offer was online and I applied online? None of their subsequent communication provides any information on this offer. If I look up their historical information online, I find the dates of the offer to match what I believe was correct. XXXX XXXX XXXX However, they are refusing to look it up in their own system what the historical offer was at that time. I find this to be predatory and flat out lying to your customers. 

I filed a complaint with the XXXX. I received a call from Citi stating since I applied online, they can not honor the promotion. There are several websites that show this promotion was valid during this time period. They refuse to honor it. This is fraudulent.
Product: Debt collection

The company " Portfolio Recovery Associates , LLC '' have called me multiple times starting on XX/XX/. I received 2 other calls from them in that month. In XXXX I received calls on the XXXX, XXXX, XXXX, XXXX, and XXXX. The XXXX I answered and they were trying to get ahold of a person that was not me. I informed them they had the wrong number, remove my number from their list and to not call me again. The next day I got another call from them of which I missed. Again today I got a call and answered and informed them of the same thing and also spoke to a supervisor and informed them to personally remove me from their list. Since they didn't care about me telling them on the XXXX to not call again I have a feeling they will call again even after this other time telling them to not call.
Product: Credit reporting or other personal consumer reports

I requested Transion, Equifax and Experian to do a proper investigation involving late payments XXXX XXXX XXXX  and did not receive investigation results. Please delete from all ( 3 ) bureaus.
Product: Checking or savings account

someone used my information to open up a bank account in set up a direct deposit using my social security I'm unaware of the bank account I only see the last 4 digits in not the entire account number.
Product: Student loan

I scheduled a payment of {$18000.00} on XX/XX/XXXX at XXXX PST to pay off my student loans through the website. This was the entire loan balance left on my account and the website did not allow me to enter any values above what I owed because it is the maximum amount. The payment processed on XX/XX/XXXX and the balance on the website after the payment processed was {$0.00}. I checked my Nelnet account on XX/XX/XXXX and now I owe {$100.00}. I don't know where this {$100.00} came from. I contacted Nelnet, spoke to a representative over the phone, and the representative mentioned that processing payments take time, therefore while my payment was processing, interest accrued. However, after my payment in XX/XX/XXXX processed, I somehow still owed {$100.00}. The representative later told me that the {$100.00} is from the interest accrued by XX/XX/XXXX, but this was never reflected on the website and was not calculated as part of the payment balance. 

The representative also told me that if I paid {$100.00} today ( accounting for interest accrual until the payment processes ), I would payoff my loans. When I tried to enter this value into the website, an error occurs where I can not make a payment value ( {$100.00} ) that exceeds my balance value ( {$100.00} ). 

The Nelnet website provided me with inaccurate information about my loan balance and persists the inaccurate information by not allowing the user to enter a value higher than the inaccurate account balance to pay off the balance ( accounting for interest accrual for the days it takes to process the payment ). How is a user supposed to know that the balance on the website is not the entire balance?
Product: Money transfer, virtual currency, or money service

XXXX purchased concert ticket through PayPal and then I was immediately blocked from all Social media from the guy that collected the payment and didnt send me The concert ticket. Claim filed with PayPal they wont Have a response until end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged.

The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase using my Capital One credit card. The package was delivered on XX/XX/2022 and stolen from the mail room of my residence. I contacted Capital One to dispute the charge as I never received it and a temporary adjustment was made. Without my knowledge they rebilled my account for the item amount. I never received the item and now I am on the hook for a purchase I never received and was stolen.