23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax has deleted 2 Credit Card Accounts that are current and in very good standing. They are my XXXX XXXX cards ( XXXX & XXXX ) Credit history length is a large factor in my credit report and both are about a year old and now DELETED no reason given.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Due to this breach, these accounts are the result of fraudulent activity, and I am requesting their immediate removal and blocking to protect my credit rights. 
The following account details were included in the breach : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$310.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX account # XXXX and XXXX Accounts account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a hard inquiry was put on my XXXX report that I didnt authorize
Product: Student loan

Navient isn't changing the name on my private loan and this is causing me to be overlooked for forgiveness for private loan from a for profit fraudulent school. 
I have a private loan from Navient through XXXX XXXX XXXX XXXX XXXX, CA. Not only is Navient refusing to work with me to lower the 13.250 % interest rate, but they wont correct the name on this private loan. It says XXXX College ( my local community college ). Although I attended XXXX college periodically, I did not graduate from XXXX college and didn't take out a loan for attending XXXX College. There is a loan forgiveness program that I should have been but was not included in : Government Action : XXXX  reports on known government actions involving business marketplace conduct : : Navient Settlement with Multiple US States which states the following : The terms of the settlement will include the following : {$1.00} XXXX in private student loan cancellation for borrowers who attended certain for-profit institutions. Since I attended XXXX I believe I qualify for forgiveness but wasn't included because of the name on my loan. I asked Navient about it but they only sent me the promisary notes with XXXX on them but named under XXXX College. I believe I was overlooked and was denied this forgiveness because the wrong name is on my loan on Navient.com. Otherwise my loans would have been forgiven. I have no idea how to get this resolved or who else to complain to. I believe this was a predatory private loan created by XXXX and Sallie Mae ; now Navient. Also I have been fighting Navient on my private loan payments and refuse to pay because they will only put {$30.00} of my {$270.00} payment toward the principal. The rest was being put toward interest. I was basically throwing my money away at them. I have paid {$29000.00} in interest and {$12000.00} in principal. Original principal was {$23000.00}. I believe Navient isn't lowering my interest rate because they make a huge profit off of it just like other borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both XXXX, Experian, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Product: Checking or savings account

Reference original CFPB Complaint ID XXXX. 
Citibank did respond, but did not follow through. They said for me to provide documentation in order to me to get reimbursed for the bounced check fees from my other bank - that Citibank caused - but I have not heard from them. It's been over 3 weeks. Their email says that they will review it with 'the highest priority '.
Product: Checking or savings account

A checking account was opened with Truist, and direct deposit was set up. After the first direct deposit was deposited, the account and access to funds were locked. The reason given was the fraud department did not like the IP address compared to the home address. Truist then demanded an in person verification of the account owner, despite being hours away from a local branch. Truist kept any phone calls on hold for hours, and would refer me to branch managers who would then never respond or follow-up again. 

I reached out via email and phone to multiple branches and customer support lines without a resolution to the issue. 

Overall the problem was locked funds based on an issue that was detected before the funds were even first deposited, and required unreasonable action from the consumer.
Product: Debt collection

Correct insurance was provided to the hospital. The hospital used expired insurance instead and we were never informed about it. We monitor our medical claims and nothing came through medical claims and we were unaware. Suddenly this collection claim showed up on the credit report ( claim amount = {$2400.00} ). Once we investigated we found out that the charge was incorrect since insurance was never used. If insurance is used this amount will decrease by 80 % or more.

We contacted collection company on XX/XX/XXXX and they advised us to call back in two weeks. We called them today ( XX/XX/XXXX ) and their agent with very hostile attitude responded. She wouldn't let me talk. She promised to contact us when the correct amount is settled or if they have question but no estimate was provided. I asked if they will fix the credit report since the charged amount is incorrect due to hospital not using the provided insurance they said it will be at the discretion of her manager. If it is incorrect charge they should fix it as they claim to report correct information, which is the case here.

In summary, the charged amount is incorrect and we didn't know about it since insurance claim was not filed. Now they are being rude and instead of trying to help they are ignoring the fact that it is their fault to begin with. We are requesting them to process correct insurance as they should have to begin with and remove it from credit report since it is their fault.
Product: Mortgage

In XXXX, received a penalty from the county for unpaid property taxes despite the fact I had been making monthly escrow payments with my mortgage through United Wholesale Mortgage. I requested that they pay the property taxes ( {$6400.00} ) with my escrow balance, and that they take responsibility for the penalty ( {$650.00} ) as is required when escrow fails to pay taxes. Since they did not respond to my request in a timely manner, I paid the taxes myself to avoid additional penalties and notified them to disregard the original message. A couple days after, they paid the taxes and penalty out of my escrow account despite my notice to cancel. 

I called the county for a refund due to the double payment and they obliged. After reviewing it, the county sent the refund of {$7100.00} on XX/XX/XXXX and provided a warrant number to track the deposit. However, the refund was sent to the escrow bank account rather than mine. I then called UWM to track down the refund and send it to me. 

Between XX/XX/XXXX to current date, I called them 8 times to follow up on the status of the refund. Each time I called, a customer service representative told me that they have been unable to locate the refund despite the fact that I provided the exact warrant number from the county. They said that someone would look into it and that I should call back in a couple weeks. In the 3 months that I have been following up, no one from United Wholesale Mortgage has looked into the issue or made any progress. As of today ( XX/XX/XXXX ), United Wholesale Mortgage has sold my loan to another financial institution and is claiming that it is the responsibility of the new loan servicer.
Product: Credit card or prepaid card

Attn : Office of the CEO - Wells Fargo I've always paid off my balances in full with Wells Fargo. I hardly carried any balances on my card or any other credit cards. I received offers for a 2.9 % balance transfer rate through Wells Fargo bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 2.9 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Wells Fargo XXXX and for which they charged a fee. It was then surprising to notice today that my credit line was being reduced to what the borrowed amount was. By doing so, my credit utilization has significantly dropped, despite me paying more than the minimum each month and well ahead of my XX/XX/XXXX date to payoff. This will indicate that I have a high utilization and a credit risk, whilst Wells Fargo forces me to pay off the balance to lower my utilization. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through XX/XX/XXXX. I am requesting Wells Fargo to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions is the reason I took the advance, understanding the time value of money. This should be done immediately and my credit report updated accordingly.
Product: Credit card or prepaid card

I checked my report and noticed late payments reported for the Home Depot card through CBNA. I never received a bill in the mail. I relocated and my mail has been having issues ever since. I have not received mail from USPS in three months. They have an ongoing mail case open and trying to track it all down. If you look at my history, I never once paid late.
Product: Credit card or prepaid card

Capital One offers promotional interest rate cash advances from time to time. Every single statement I've received ( maybe for an entire year ) since accepting a special offer shows 0 % interest rate " SpecialTrans. '' NOTHING ELSE. 

This is extremely misleading as it leaves the consumer thinking it's 0 % forever. No other credit card company hides the date the promotional interest rate ends. Every single company except Capital One clearly states the expiration of the promotional rate on every statement. I don't know why Capital One is trying to hide it, probably so you forget it's not really 0 % forever and are surprised to find out the rate jacked up at some unknown point that the consumer forgot about after all of this time.
Product: Student loan

Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXX University - XXXX Campus ( XXXX XXXX XXXX. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.
Product: Vehicle loan or lease

Greetings, I brought a home in 2023 in XXXX ga, I transferred my vehicle from PA to GA. I went to renew my registration and GA would not let me because they never received the title from PA. I called the bank Navy Federal Credit who insist they have made the request for the title. PA said they sent the title to the bank Navy Federal in XX/XX/year>. The title has been XXXX. Navy Fed stated they put in for a duplicated title but I am stuck paying XXXX $ a month for a car that I can no longer drive because I can not register the vehicle nor drive it. To this day after 15 months, I still do not have the title to the car, nor does GA XXXX have the title and I am stuck making payments on the car. I can not drive. I have every chat conversation and phone call threat with Navy Fed trying to fix this problem and they refuse to call the person who would assist me with fixing this problem at the Pa XXXX.
Product: Prepaid card

I had an unused {$1000.00} XXXX XXXX gift card in which the full balance was inexplicably sent to the state of California 's unclaimed property division. After speaking to XXXX XXXX, they informed me that a new replacement card would be issued to me. I received a letter from their customer advocacy department instructing me to send a photo of the card and a photo of my ID to InComm Payments at the following email : XXXX. I provided this info on XX/XX/year>. I got an initial generic automated response that said " Please allow for the processing timeframe quoted from your initial call. Additional emails to this inbox will delay our response time as we work to address each inquiry thoroughly. '' Herein lies the problem. I never got a quote of a timeframe when it would be resolved. I never got anything. Is it 3 months? Is it 3 years? I have no idea! I have yet to receive the card. In fact, I have yet to receive any correspondence at all from InComm. I don't even know that they received the information I sent as confirmation. I have emailed them repeatedly to ask about my case or get an update and it is virtually impossible to get in touch with anyone. I have also called InComm numerous times and it is equally difficult to get anyone on the phone to answer the most basic of questions. It is almost like they are purposely trying to ignore their customers. 

Their customer service is absolutely nonexistent and unacceptable. I have read numerous complaints online of customers who have similar experiences as me, as it appears that this company has a history of a lack of correspondence, terrible customer service and overall subpar business practices. 

I just want my card issued to me, or at minimum, a response from InComm that the email I sent nearly two months ago with the requested information was received, and they are working on issuing the card. I have no idea what the status is on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my report that is court information. Also accounts being shared without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 )  XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/XXXX )
Product: Debt collection

I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.
Product: Debt collection

XXXX is fraudulent claiming to represent an alleged mortgagee and investor that has held a foreclosure by advertisement sale on my property. I have submitted qualified written request to XXXX and have submitted complaints against XXXX and they continue to move forward without response or remorse.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, and I can not figure out why they are there. When I checked as I normally do, I noticed discrepancies that hadnt been there before. I refreshed my browser, thinking it might be a glitch, but the issue persisted. These inquiries are still visible, and I am extremely frustrated. Please thoroughly review the documents Ive submitted so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify XXXX that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed.

Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach.

I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there.
Product: Debt collection

I received a letter from the national credit systems XX/XX/2021 stating that I owe a debt with an apartment complex Ive never stayed at in my life. I reached out to national credit systems XX/XX/2021 regarding this debt of {$450.00} and try to settle it because its damaging my credit which is actually being charged twice on my credit report. I demanded proof and they responded that the proof is only for them to see and they cant provide me with documentation however they did send me over the itemized list from the original creditor and its insufficient as if charges were made up. I have never stayed there and I want it deleted from my report. And I am willing to pay for a delete or settle the account ( due to my current financial standings ) and have it deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan through XXXX XXXX, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the XXXX XXXX officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.
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. 

XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and XXXX XXXX : Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a dispute with Equifax for failing to properly investigate my dispute regarding inaccuracies on my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is inaccurate. Without providing any evidence of a thorough investigation.Thus practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Further Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Debt collection

There calling me repeatedly saying I need to make a payment. Last date contacted XX/XX/year>
Product: Credit reporting or other personal consumer reports

I attempted to get a copy of my lexis nexis report on risk. This is the insurance company database. Lexis nexis required information and wont recognize that a XXXX member of the XXXX mission I only have a XXXX address of record, not a legal address. They are argumentative and wish only to provide information via unsecure international mail, that is possibly a risk to my XXXX  versus providing via email