23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had this conversation with a representative of the Net Credit customer service department on XX/XX/year>. When I asked why I was being charged 65 % interest, they said that it was because of my XXXX  financial status and that I was a high risk. 

I was then told that the only option I had was to refinance to obtain a smaller interest rate of 35 % instead of 65 %. They transferred me to customer service. The customer service representative asked me to go online to my account. She said that I should look for a red button on the home page that would indicate that I was " eligible '' for consideration for a lower rate. I could not see such a red button on my account home page. The representative said " I am sorry, but there is nothing we can do to help you. '' I am XXXX XXXX XXXX. I am still XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can not maintain my home with only my social security. I realize my responsibility to repay this loan of {$5000.00}, but at 65 % interest, it will cost me over {$14000.00}. This is not just " high '', it is " predatory '' in the extreme.
Product: Credit card or prepaid card

I am on XXXX and I receive my benefits on a Direct Express card. Recently, Direct Express froze my card, and my funds are unavailable. When I tried to call them, I was on hold for several hours and then it hung up. I am unable to use my card online, withdraw from an ATM, or sign in to check my balance. This means that I am unable to access my funds. I went online and found that I am not the only one who is going through this. Direct Express has a long history of freezing accounts and not returning the money to a vulnerable population of people who live on a fixed income. I do not know the exact amount of what is/was on my card, but it is between XXXX dollars. When I try to sign into Direct Express, it reads, " Card status is invalid. '' The card is not expired, so there is no reason for it to be invalid. 

I spoke with Social Security, and they said they have nothing to do with Direct Express, but this is who they have gone through to submit benefits to many people who don't have a bank account. They said they would escalate the issue up the chain of command, but they are unable to access the funds as well, and Direct Express does not answer the phone for anyone. Direct Express is a product of Comerica Bank, but in order to speak to anyone there, one must have their actual card. Comerica has no direct line, otherwise. Several people who live near Comerica Banks have gone to the branch, but they won't do anything about the issue. 

Whether they were hacked, or if this is an inside job, something serious is going on with Direct Express. People on a fixed income can't pay bills, rent, or buy food. I am asking you to please look into this matter and take it seriously. I have switched my benefits over to another card, but I'm still missing the money I am unable to access on my Direct Express card. 

Thank you for your time. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints in reference to my federal consumer rights being violated by XXXX, Equifax, and XXXX due to their reporting on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Product: Consumer Loan

Key bank, XXXX & XXXX are reporting incorrect : 1 ) That my last payment to Key bank is XXXX XXXX, and is not, my last payment is XXXX XXXX. 
2 ) I paid late fees in XXXX I was never late. Please have bank credit back fees. 
3 ) They show 30 days late XXXX, XXXX XXXX was not 30 days late please have them correct this is affecting me
Product: Mortgage

I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But Transunion and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to TransUnion and XXXX to delete these items. 

Transunion has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
Experian removed all inaccurate address and added more that did not belong to me.
Product: Credit reporting or other personal consumer reports

I paid two loans off and XXXX  is not reporting them per their contractual obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote Experian, XXXX & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to Experian, XXXX & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). Experian, XXXX & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, XXXX CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched EQUIFAX XX/XX/XXXX LETTER * CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to Equifax 2 times & TO NO AVAIL?? ( How can a credit score on me from Equifax be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD EQUIFAX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years XXXX on limited income XXXX XXXX XXXXXXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. ** EQUIFAX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE EQUIFAX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXXT ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.
Product: Mortgage

On the morning of XX/XX/XXXX, after identifying a large increase in our automatic payment amount. I requested a copy of an escrow analysis through the online Document Request section. As of the date of this complaint, I have not received communication or the document requested. The information sought by my wife and I ( borrowers ) is the escrow analysis that changed our payment from {$2500.00} to {$2800.00}. Roundpoint never notified us of the change prior to or after changing our payment. 

There are miscellaneous changes to escrow on the following statements that were not and have not been communicated to us other than mysteriously showing up on our statement. 

Escrow Advance Recovery of - {$690.00} on XX/XX/XXXX Escrow Advance of {$450.00} on XX/XX/XXXX Escrow Advance Recovery of - {$450.00} on XX/XX/XXXX The maintenance of our escrow account is now a re-occurring issue that is negatively affecting us. These constant changes to our payments could be considered unfair, deceptive, or abusive. Not to mention, the lack of communication violates federal regulations. While we fully understand that changes can occur to taxes, we notified Roundpoint Mortgage Servicing Corporation of your errors in calculating our escrow. 

You ( Roundpoint ) insisted on refunding us what you incorrectly considered a surplus. This was against our recommendation as evidenced in a submission of a compliant to the Consumer Financial Protection Bureau - Case number : XXXX. As you will see in that complaint, Roundpoint Mortgage Servicing Corporation routinely fails to inform us of changes to our escrow account. We are now required to pay extra to refund the escrow. If this was a few dollars I would understand but it is a difference of hundreds of dollars, which again, is unfair to us. Your escrow analysis needs to determine our payments for the next computation year. Which you are failing to do based on the ever-changing escrow payments.
Product: Debt collection

Open account with Care credit back in XX/XX/2014. I use the credit card a few times but didnt actually receive any services because I had a change of heart they refunded everything expect XXXX plus interest back and late fees mind you I never received any services from these places I was going thru ... I made a few attempts to try to settle by paying them XXXX a month until XXXX was paided in full but they directed me to their lawyer ... A lil bit away this happened I check my credit report and they are on their saying I owned them XXXX!!! I never even received any services so Im confused on why should I pay something thats no being received ....
Product: Credit card or prepaid card

About a month back I received a letter from Fortiva credit saying that if I didn't cancel the card they would charge me {$99.00} even though I had only used the card through a zero interest deal on a guitar from 2 years ago. 

I called the company immediately and asked why they sent the letter when my account was already closed for over a yearly. The person on the phone assured me I wouldn't get billed and my account was closed. I have the phone call recorded and it backs up my story. Then to make sure I went on the company chat feature on their website and they told me again not to worry it was cancelled. I also saved screenshots of that conversation. 

Today I received a letter saying I owed them {$99.00} for a yearly fee, with a {$34.00} payment due by XX/XX/XXXX or I would get a {$49.00} late payment fee.. I called the company in Georgia and explained I had cancelled the card, and I have the phone recording, and screen shots of the chat to prove it. 

The person on the other end asked if I was recording the current call and I told them that I was recording and it was perfectly legal in Minnesota where I was calling from and in Georgia where they claimed to be because they are both 1 party consent states. At that pint he said that he couldn't speak to me if I was recording. I asked to talk to this supervisor and he claimed it takes 2 days for one to call me back. Then he hung up on me and blocked my calls. 

At this point they've gotten no money out of my account, and my bank has put a stop payment on the company. My biggest concern at this point is these scammers are going after people that possibly can't defend themselves, or that don't keep proof of what these scammers are saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several reports including contacting other regulators such as SEC, XXXX, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX  I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX 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

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card or prepaid card

Three years ago the Lowe 's representative tricked me into getting a Lowe 's card to cover the cost of the project ( ductless AC installation ). I never signed a contract to have the work done. I received a Lowe 's XXXX XXXX with the limit of {$14000.00} three years ago that I've never activated or used. I've never received any disclosures or statements on this account, except for the actual card. Two months ago, my credit scored went down 20 points. XXXX XXXX showed that my Lowe 's card limit was changed to {$1500.00} as the cause for lowering my score. I wasn't provided an Adverse Action NOtice! I was in the process of applying for a refinancing on my primary home. This dip in my score caused that I was denied a loan!!!! Since I've never received any statements or notifications from Lowe 's card company - I don't have anybody to contact! I demand that the Lowe 's credit company 's actions are deemed illegal and my credit report corrected!
Product: Student loan

I have had multiple student loans dating back to 2008. Over the year I have sent numerous letters detailing financial hardship and received no response regarding my plea for repayment options as well and loan forgiveness due to my school failing to complete everything I was offered upon admission. I have made several calls regarding repayment options and was told by multiple representatives that I did not qualify and that despite my loans being deferred that there would be penalty to me for deferment I recently began working on my financial situation and realized that my once {$10000.00} loans have more than doubled. I was deceived by Navient, they ignored my pleas for help and also used deceptive practices when I called and tried to arrange payments. Due to their inability to be honest I now have derrogatory remarks on my credit when I had been in contact with them trying to avoid and negative outcomes. Navient has severely impacted the amount of dept I owe by being deceitful
Product: Credit card or prepaid card

May credit card was closed on XX/XX/2017 by Wells Fargo. When I called to ask way my account was closed. I was told that i did not have a banking account with them. Which was not true I had three account 's with them. I had an joint account with my husband which was closed, because someone was writing fraudulent checks in his name. In which they were fully aware of and they still closed my account. I asked if i can open new savings account i was told no. This was not my fault I was never late all ways paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts and unauthorized inquiries appearing on my credit report, which I have identified as the result of identity theft. I am submitting this letter in conjunction with my FTC Identity Theft Affidavit and supporting documentation to request the removal of these items and the cessation of any associated collection activities. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me and have led to inaccurate reporting and related financial hardship. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am invoking my right to have this fraudulent information blocked and permanently removed. 

Please find the following documents enclosed to support my claim : FTC Identity Theft Affidavit A copy of my government-issued identification Proof of my current address I kindly request that you investigate this matter and take action within the time required by law. Please provide a written response confirming the removal of the fraudulent items and any updates regarding this dispute. If additional information is needed to process my request, feel free to contact me using the details below.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case