23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

lease matured XX/XX/XXXX, had been contacted by dealer prior to and we advised we were in process of buying out. We did not know they do n't inform Hyundai Motor Finance ( HMF ). We got approved for loan through our bank, got insurance binder on XX/XX/XXXX and HMF finally sent payoff statement to bank on XX/XX/XXXX ( after much back and forth ). Included in statement was a security deposit authorization that needed to be signed by a dealer. Dealer refused to sign until they learned more about it as they had never seen it before. Constant back and forth with dealer produced no results or information- they are still waiting to learn about authorization. During this process, car was repossessed. Daily calls with HMF are debilitating as I receive no help. One person said that since security deposit was only {$1.00} and something so small should not be giving me so much trouble, they would send me new pay off letter without security deposit of {$1.00} and increase the pay off amount by {$1.00}. However, that paperwork was stopped by the reinstatement department. I am still trying to get in touch with people to get help. I have no car, our credit will take a huge hit, even though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only reason why this was held up is because of the security deposit authorization and the dealer refusing to sign same.
Product: Credit card

Td bank has not issue the {$200.00} bonus I ve completed all requirements of {$500.00} spent Please correct issue
Product: Mortgage

I have a mortgage with quicken loans I'm on a fixed income for XXXX. Between XXXX and XX/XX/2018 I have four escrow analysis is because they couldn't get my taxes right they were wildly off. the first three made my mortgage payment so high I couldn't afford to make them.The mortgage company knew that there was a error in the analysis that cause this but expecting me to make the payment until they could reanalysis it. Thankfully this is all fixed before I had to make a payment on my mortgage and I ended up not falling behind. Now they lost an entire check car mortgage payment it was kind of stuff I have the paperwork showing it was cashed expecting me to still make my mortgage payment even though I have the bank records showing that they cashed the check. Expects me to make the payment until they can find the money even though I have the paperwork and all they had to do was call the bank to verify that the paperwork is real. quicken loans constantly keeps making mistakes on my loan that could cost me to foreclose on my house to default on my loan. They keep making mistakes that could put me behind on my loan or make it to where I can't afford my loan. Every time they make a mistake they expect me to pay more until they correct it even though they know they made a mistake. I sign this is predatory I feel like they're doing this so that way I am forced to foreclose on my house and the value of my home has increased so greatly in the first year of ownership that they would make 50 Grand if I were to foreclose on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem with my loan servicer Mr Cooper 's mortgage company formerly known as nationstar mortgage. They have been reporting inaccurate information on my credit report which I have contacted them about and disputed, but they refuse to correct the information reported. 
For example they're showing my account as being 30 days late when I have not missed a payment, they're also showing my account as being currently in loan modification status when it's not. I would greatly appreciate your help to mediate the solution with my loan servicer.
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. 

Account name : 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I enlisted in the military ( XXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX, XXXX, NC, XXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.
Product: Credit reporting or other personal consumer reports

I write this letter with an overwhelming and enduring sense of frustration, distress, and annoyance that has festered over the excruciatingly long period of more than two years. It is an outrage that I am compelled to address an issue of such gravity in this manner. For over two years, I have pleaded, cajoled, and implored your bureau to acknowledge my identity theft claims. Yet, your obstinate refusal to do so has persisted, subjecting me to an inexcusable ordeal that defies comprehension. The relentless nightmare of identity theft has cast a shadow over my life, causing immeasurable distress and heartache. Despite the irrefutable evidence I have provided, including official reports filed with law enforcement agencies, your bureau has chosen to ignore my pleas for justice. XXXX XXXX. Please delete this account immediately.
Product: Student loan

I have a current principal balance of {$18000.00} on my student loans. 

I have submitted my XXXX ( Loan Repayment Form ) to XXXX XXXX XXXX on four different occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All occasions are documented and accounted for. 

At this time, XXXX XXXX with the Lead, Medical Incentives Branch ( DPAMM ) has not received the XXXX Form, which is necessary to pay my loan installment. My loans have been accruing interest in the meantime. 
Last spoke with XXXX XXXX Employee with reference number XXXX. She stated the from was expedited.
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. 

these inquiries need to be removed XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX On record until XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX XXXX record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX, Inquired XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN XXXX Inquired XXXX and XXXX more EXPERIAN XXXX IDENTITY Inquired XXXX EXPERIAN XXXX IDENTITY Inquired XXXX FADV Inquired XXXX XXXX XXXX DATA XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX ON XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX I 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing. 

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile. 

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The problem is with this credit card company XXXX. I keep making payments on my bill and they keep changing the amount due. It's like they are trying to get me to pay all of the balance off. It is a very misleading company and no u can't use the card everywhere!!
Product: Checking or savings account

I got a deposit into my Chase account from the XXXX XXXX XXXX. into my personal account. 

Chase blocked my access to the account and then asked that i send them some info from the IRS. faxed it. 

then get an email saying I cant use the account but no reason why. Chase is full of XXXX. mind you all the times I sat on hold for upwards of hours!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXXXXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Product: Mortgage

My Servicer is attempting to foreclose on my home, however I have a Satisfaction of mortgage that have been recorded in the County Clerks Office. Now my servicer has ask the courts to recind the Satisfaction, the Judge signed off on the erroneous Satisfaction on XXXX/XXXX/2016. I 'm now waiting for the county checks office to enter it into the records and send me a letter stating that fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car financed with TD Financial from XX/XX/XXXX until it was recalled by the manufacturer XX/XX/XXXX. XXXX paid the remaining balance due at the time of the recall to the finance company during the first quarter of XX/XX/XXXX. 
The finance company now shows this amount as written off as bad debt on my credit report. 
They also report that six payments from XX/XX/XXXXto XX/XX/XXXX are charge offs on my account. We were informed not to make additional payments after XX/XX/XXXX. 
I have contacted TD Financial twice about this matter since XX/XX/XXXX and was told that they would correct this. As of XX/XX/XXXX this has not been done. 
I have copies of e-mails from XXXX reflecting the payments made.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting

XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

After hearing of the data hack at the XXXX  XXXX I decided to freeze my credit at the three services. No problem with the other two, but at TransUnion I could not login. I got a message that my identity could not be verified. This occurred on XX/XX/2023. I spoke with their customer service that day and was told the issue would be elevated and I would hear back in a week. 

I never heard back and I called again on XX/XX/2023. This time I was directed to email identifying documents to XXXX  with a userID of XXXX. I did this and on XX/XX/XXXX got several email messages that my identity was confirmed, that I had a new temporary password and that I could login. 

Attempting to login yielded exactly the same result : Account Security : Your account has been temporarily suspended. 

Were sorry, but we couldnt validate your information. 
For your protection, we have temporarily suspended your account.
Product: Credit reporting

In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The first letter was the same as the second letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given
Product: Payday loan, title loan, or personal loan

To whom it may concern, I have a credit card with Upgrade since XXXX, I requested to apply my military benefits to all my accounts back when my husband joined the XXXX XXXX in XXXX. However, Im not receiving any benefits on my credit card and I have been getting charged the regular interest rate instead of the reduce APR. Additionally, Im aware that a lender cant not deny or refuse to grant me credit, change my terms of my credit, revoke my loan or credit card account just because Im exercising my SCRA rights. Lastly, I would like to get a refund for the interest charges on this account. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent off the investigation letter to make sure all my accounts was properly investigated and properly and everything was a one hundred percent correct on my accounts and then The credit bureau stated that the account name account number was a property basket but hows that possible if the open date last active and the date report is not the accurate this is grounds for removal they also violated my rights under 15usc 1681 section 6048 section state declare the law clearly states that consumer report agencies can not furnish the account without reconstructions I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Payday loan, title loan, or personal loan

Called in to XXXX Blinc I am a long time on time paying customer spoke to a rep names XXXX XXXX requesting a refinance explained to her that I was laid off for several months but continued to make my payments on time and that I just started back working XXXX and wanted to set up the allotment to start refinance she said all I needed to do was add their routing and account number to my employee direct deposit I finally did reached back out to get the process started only to be told by another specialist I dont qualify I then requested a supervisor spoke to XXXX XXXX XXXX XXXX he assured me he would call me back same day XXXX after speaking to their IT dept for an override he never called back I explained to both XXXX XXXX XXXX that payments were still being made on time even after my layoff they both agreed XXXX throughout the course of helping assured me all I needed to do was add the routing and account number and the refinance would be processed then on yesterday XXXX after being added it was oh we cant help you need XXXX consecutive allotment payments made on time I said I want told that this entire time I only have 2 payments left why would I add them when I could just continue to pay out my personal account if I couldnt refinance received an auto reply email that stated you just needed XXXX on time payments the word allotment was never mentioned so technically I qualified. Ive made several email and a phone attempt to speak to XXXX today because I never heard back and they have gone unanswered. XXXX admitted to setting up the wrong expectation and tried to apologize its too late I am in need until I get about 2 paychecks from my new employer and the supervisor has yet to respond. I have proof of the auto reply email and conversation between XXXX and I again why would I go through the trouble of having my new employer add XXXX Blincs routing number and I only have 2 payments left starting XXXX  I could have kept paying out my personal account I only had it added for refinance purposes this company needs to do the right thing and honor my request
Product: Student loan

I was supposed to have income based repayment because I lost my job, but suddenly I started getting default statements. I put all of my loans into consolidation with XXXX and while they were in the process of consolidation Navient pulled XXXX of my largest loans and placed it into " recovery ''. Now all of my other loans have been sold to the DOE and I 'm being harassed by collection companies for the one loan Navient took.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX Credit Card for the month of XX/XX/2022, be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Money transfer, virtual currency, or money service

@ XXXX XXXX : I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A company called Advance Capital Solutions calls my cell number at least 3 times a day and leaves rude messages on my phone. The caller threatens to take action if I do not call them back by the end of the day. I have checked my credit report and I do not have any outstanding debts. Also, I have not received any written correspondence from this company. The message never discloses who or how much money I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am feeling deeply distressed, extremely disappointed, and unwell due to the inaccurate information you provided to the credit bureau regarding the late payments on my consumer reports. This misinformation is damaging my reputation and has a detrimental effect on my health. Late payments, as you know, should not be included in a consumer credit report, as it is against the law. These inaccuracies regarding late payments are a clear violation of the Fair Credit Reporting Act, and I insist that you take immediate action to remove them from my credit report.