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

I did not authorize these any inquires to be pulled from my credit report and I want them removed. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Mailing Address : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Mailing Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Student loan

I have spoken with over a dozen employees about my SAVES plan, and my account being automatically put into deferment without a letter or email stating so because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I first inquired about what this meant several representatives told me the government will ONLY pay for the interest on unsubsidized loans. I was not receiving a bill, there was {$0.00} amount due on my online portal. I started to notice my principal balance was increasing. I called again, and was told by another representative that if I disenrolled from the deferment the government would cover BOTH unsubsidized and subsidized loans... WHY WOULD A STUDENT WANT TO HAVE TO PAY INTEREST IF THE GOVERNMENT WOULD DO IT FOR THEM? 

So I requested to be removed from deferment. The next day I received an email with a {$60.00} bill from interest. Again my bill online still was showing {$0.00}. The representative I got today first started to tell me the government pays interest off every 3 months. She then came back to tell me " my bad its actually monthly '' When I asked her why the principal balance on my account had increased {$4.00} since calling yesterday, she advised me it will continue to be added to my account until the monthly payment is made. There is no history of previous interest being paid by the government on my behalf. My account history shows increase after increase on principal balances, despite multiple representatives telling me I will not be charged interest. 

HELP ME! I am willing to sue them and pay attorney fees. This is fraud and they need to be held accountable.
Product: Mortgage

Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over 700 dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and TransUnion require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Product: Student loan

My wife, XXXX XXXX, and I have been working on resolving issues with her Public Student Loan Forgiveness since XX/XX/2018, and since early XX/XX/2018 if you were to count our multiple submissions of her application for her employment to count towards the loan forgiveness program. She currently has her loans through XXXX XXXX XXXX. I have taken the reigns, so to say in regard to helping her with navigating the issues she has been having, but please feel free to reach out to either of us. We have reached out to XXXX XXXX and to the US Dept of Ed 's Ohmbudsman group on numerous occasions ( est 30+ documented calls ), and had opened up cases through both regarding the issues we are having. We keep getting the run around, and neither has diligently worked to resolve our issue we are having. My wife and I believe that she is meeting the qualifications for PSLF based off of the legislation on PSLF that we have found, but they continue to deny us, and are not appropriately responsive as we have requested numerous times. We had asked for a phone call to better articulate the case, and the possible ability to discuss with a person who is legislatively literate, however, no one follows through w/ either XXXX XXXX nor the Ohmbudsman groups- as I mentioned above they keep kicking the responsibility to out of their control, or sending me emails last minute that we simply don't qualify & case closed end of story without truly having someone hear & understand our claim/appeal. My wife is working at a qualifying agency for the required 30+ hours weekly per PSLF guidelines for the past 1.5years. However, they say that since her employer considers her per diem, she needs a second job to qualify. Our issue is that the specific wording of their application, as well as the wording found within the laws themselves would side with my wife and I as being correct that she does in fact qualify for PSLF as is. Neither the Ohmbudsman group nor XXXX XXXX   themselves are acknowledging our issues, and continue to drop us before our claim can be adequately heard or addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan to purchase a ticket to a XXXX XXXX event. The company Equitable Acceptance is the financing company which XXXX XXXX uses. Initially they pulled my credit report in XX/XX/2017 to see if I was eligible for financing and I was approved for the loan. However, they pulled another hard inquiry again in XXXX which I dont know why and I did not allow. Since then, the loan has been completely paid off years before the due date.
Product: Mortgage

I was in a deferment due to COVID 19 I was told I could put the mortgage at the back end if the loan. To qualify I needed to make 1 payment by XX/XX/2021. I made the payment on XX/XX/XXXX and was told by relationship manager that the payment was short XXXX which I paid on the phone. I was told I would receive a letter in 7 days. I get a call XX/XX/XXXX that I no longer qualify after the payment has been made. Now I'm told I'm only eligible for a modification. I'm trying to refinance and won't qualify if I am in a modification. I was told in XXXX that if I make a payment I would again qualify. I made a payment in XXXX and then told in XXXX that I don't qualify. This chase bank is playing games and giving false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Collection and charge-off is showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent.

This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Product: Checking or savings account

I opened a Citibank checking account with the following bonus : Open a new Checking account in CitiBank Account package between XX/XX/XXXX and XX/XX/XXXX. 
After 20th day of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or more in New-to-Citibank Funds into the new eligible checking account. 
" Eligible XXXX Accounts '' are limited to new or existing Citi XXXX Accounts in any package where the XXXX XXXX is a signer. 
The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi XXXX Account. 
A minimum balance of {$50000.00} must be maintained for 60 consecutive calendar days following the 20th day after account opening.

Citibank credited me a {$200.00} bonus and is refusing to honor the {$700.00} bonus because " I did not meet the requirements of the offer, because my balance fell below {$50000.00} between the 20th and 80th day '', even though I was told by, and still have CHAT RECORDS, of their agent stating that : " If the {$50000.00} is maintained until at least XX/XX/XXXX, then it would be still eligible for the {$700.00} bonus. If the balace goes below that but there is at least {$15000.00} by this date consecutively, then the bonus would be {$300.00}. 
XXXX at XXXX, XX/XX/XXXX ''. My bank statements clearly show that I had {$50000.00} in the account XX/XX/XXXX, which is 1 day after the representative of Citibank stated. Yet I have called in numerous times and Citibank still refuses to honor their commitment. You can see all of the proof in the chat logs as well as their letter to my dispute.
Product: Student loan

I have been trying for almost a year to get into an affordable repayment plan with my private student loan servicer, Navient. First I tried an interest only plan, but even that was almost $ XXXX/month, on top of the $ XXXX/month I have to pay on my government IBR plan. After multiple attempts at contact ( often having to wait on hold for extended periods of time and being transferred to multiple different people ), I was finally advised that I MAY be eligible for an alternative payment plan ( no details on what that means have ever been given ). I was sent documents asking for my personal financial information, as well as the personal financial information of my co-signers. When I asked my co-signers to complete the forms for my financial assistance application to Navient, they asked why the servicer needed their information to determine whether or not I was able to afford MY monthly payments. I again contacted Navient and conveyed my co-signers confusion. I was advised that, if my co-signers financial information showed that THEY could afford my current monthly payment, my application for a lower alternative payment plan would be denied and they would simply collect from my co-signer after I was forced into default. This is exactly what they and I both feared. While we understand that a co-signer is equally responsible for the full amount of the debt, the co-signer is only supposed to be collected upon if I disappear or otherwise refuse to pay my debt. The lender should not force me into default just so they can collect the higher payments from someone who was doing me a favor to further my education. I am trying to work with Navient in good faith to establish a payment schedule I can afford. Their callous disregard and refusal to work with borrowers who want to repay their debt is unfair and abusive to both borrowers and their co-signers. I only have two months of forbearance left and I fear my co-signers and I will end up facing negative consequences if Navient is not forced by the CFPB to act ethically.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my XXXX XXXX number. Please be advised that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to dispute the accuracy of a XXXX car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for Equifax is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 5/3 Bank auto loan is showing late on my credit report. I have always paid my account on time maybe not on the exact due date but I did not miss a payment or 30 days late on my payment. 5/3 makes it extremely difficult and confusing to understand payment details. They will not send a bill and there is not a bill on line. I also have never received a late notice or the online information does not tell you if you are behind on your account. I thought if you are late on your payment you are supposed to receive notification. I reviewed the online account and there is not a notice stating I am late. They try and make it as difficult as possible to follow your account because of the limited information provided or should I say not provided. I made all my payments, if they did not received the payment why didnt I receive notice. Their practices are extremely deceptive. They collected millions or billions of checking fees from posting debts before they would post your credits. How deceptive. 
XXXX XXXX
Product: Credit card or prepaid card

truist bank date : XX/XX/2022 amount : {$8000.00} & {$140.00} the company will decide if they will dispute the amount. i was scammed, i was asked to pay the IRS with the amount above in order for me to extract money from the trading platform where i was scammed. when I finally showed the scammer the receipt proving that i pay the IRS then I was told that the tax should not be sent to the IRS instead, to XXXX  to the same address I wired transfer total amount ot {$23000.00}. I realized i was being scammed. all I am asking is that Truist will dispute the amount as it is part of the scam yet they are giving me a hard time. My other bank already disputed the amount but Truist is giving me a very hard time and will pass me through all different departments every time I call.
Product: Credit card or prepaid card

1 Payment in the amount of {$950.00} was sent to American Express XXXX XXXX XXXX XXXX XXXX CA XXXX via XXXX XXXX XXXX XXXX. 

3 Payments in the amount of {$930.00}, {$650.00}, and {$760.00} were sent to AMERICAN EXPRESS XXXX XXXX XXXX XXXX TX XXXX via XXXX XXXX XXXX XXXX XXXX Payment in the amount of {$970.00} was sent to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX on XX/XX/2022. 

AMERICAN EXPRESS refused to acknowledge payment or credit to my account. 

Attached documentation ( see Chat XX/XX/2022 ) will show that I have reached out to AMERICAN EXPRESS multiple times during the month of XX/XX/2022 and given them opportunity to act in honor. They have chosen not to. 

Attached documents will show that these payments were sent in good faith, according to the expressed wishes on how payment should be received. 

American Express has not returned the payments, they are holder in due course. 

The American Express CFO was assigned Fiduciary for XXXX XXXX regarding American Express Accounts, in XX/XX/2022 and has accepted the position by acquiescence. He is currently in Fiduciary non compliance as he has not acted in the best interest of XXXX XXXX. 

Assuming that AMEX is required to abide by XXXX ( general accepted accounting procedure or practice ) : 12 USC 1831- XXXX XXXX XXXX has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. AMEX is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar.

According to UCC 3-602, payment has been made in full.

AMEX is the Holder in Due Course. No remittance has been returned with explanation for rejection. No response means AMEX has accepted payment, yet neglected to credit the account.

In order for AMEX to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure according to : UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602. AMEX has not done this.

It is entirely plausible that AMEX has accepted the payments and NOT reported it to the account of XXXX XXXX due to so many attempts to contact AMEX and being given the run around over and over. Again, refer to attached AMEX CHAT XX/XX/2022, which covers the entire month of XXXX.
Product: Vehicle loan or lease

Complaint XXXX was not resolved at all, they did not address the issue
Product: Checking or savings account

My job XXXX direct deposit my check to Chime bank XX/XX/year>. I havent received my money yet. Now its XX/XX/year>. Ive been calling literally near XXXX times. Chime claim not having it, not seeing it and no error. It must be employer error. Before I switch to chime Ill receive direct deposit from different bank. Now Im struggling
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open account on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open account persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of this inaccuracy. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of this late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into this late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of this inaccuracy. I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open account on my credit report. Please consider the significance of this issue and its impact on my financial wellbeing. Please help me correct this account immediately : XX/XX/XXXX Balance Owed : {$260000.00}.
Product: Debt collection

I received a letter approximately a month ago from Consolidated Recovery Group but XXXX XXXX It stated I owed Hard dept XXXX Fees XXXX XXXX dollors Interest of XX/XX/2022 XXXX The debit she says is from XXXX XXXX XXXX I have never used this company she asked me did I think I was a victim of identity theft and offered paper work I could fill out I didnt feel comfortable about that I called XXXX they told me they know nothing about this collection agency so I just blew it off Then two weeks latter she reported it to the credit companys I have an XXXX credit score that dropped XXXX points why would someone like me not pay a bill that low SCAm Consolidated Recovery also list an address that is a XXXX store I will report this with the police and go through all the XXXX paperwork to get this straightened out How do I know she is not the fraud She has all my social, tax Id and address I never received any letter at all to give me a chance to refute this This is criminal and I hope they get reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing the TD Bank, NA account that is reflected on my credit report, in XX/XX/XXXX with XXXX Credit Bureau. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising them that this account did not belong to me. As the report ( see attached ) from XXXX themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that XXXX delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XX/XX/XXXX, I contacted XXXX by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact TD Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted TD Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my XXXX report. To my dismay, I was placed on hold in excess of 3 hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/XX/XXXX, I again contacted TD Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!