23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

First, I was paying off a loan under my mother 's name via direct debit from my bank account, and Navient picked up the loan mid-way through the repayment term. They not only stopped the payment from coming out without letting me know, but did n't contact me or my mother until over {$200.00} was accrued past due. I called multiple times and was either cut off during transfer or continually transferred to the incorrect department. Has since been resolved, but SUCH a hassle. 

Also, I had XXXX loans paid off upon purchasing my new home ( money gained from sale of old home was used to pay off XXXX private loans ). I was awarded a refund check for amounts overpaid but I am pretty sure I should have received more and never really got a good explanation as to why I was refunded such a small amount. On top of that, it has been over a calendar month since the refund check was " issued '' and I still have not received it. Now, I have to have them cancel the original check, send in a request for a new one ( 10 business days ) and wait for them to re-send the new check ( another 8-10 business days ). This is not a customer-friendly way to run a business that deals with SIGNIFICANT amounts of peoples 's hard earned money. 

I do n't 100 % understand how these loans work, but I know my interest rates ... and from looking at my monthly payments and how LITTLE actually comes off of the principal balance, there HAS to be something fishy going on there. 

Finally, I received my tax documents and for a year 's worth of student loan payments, ( mind you, balance was over {$19000.00} most of the year ), I could only claim {$45.00} in interest? That does n't seem right.
Product: Checking or savings account

In XXXX of 2021, I was the victim of check fraud on a check written from my Chase Bank. Despite weeks of calling and emailing Chase, they have refused to confirm that they are investigating it having sent me several forms but continuing to tell me that the claim is " closed '' without any promised investigation. I have been stymied and lied to throughout this process by Chase. 

Here is a summary of my efforts just to talk to the fraud investigator : ( 1 ) In XXXX of 2021, I called to file a complaint as soon as I learned of the fraud. ( 2 ) Their website said to call. ( 3 ) When I called I was told that a complaint form could only be mailed to me, and then I should return it. ( 4 ) As soon as I received it, I completed the form, got a declaration from the intended payee that they did not receive it, then turned in the form and evidence by US Mail and Fax as instructed. ( 5 ) Since then, they have sent me two more form letters stating that they did not receive the form. ( 6 ) They have sent me a form letter stating that the claim was under investigation on XX/XX/XXXX, but then sent me the same form letter on XX/XX/XXXX stating that the claim was closed. ( 7 ) I called numerous persons, all of whom said they could not help me at all. I have no idea where the claim stands and no one will call me or explain what is going on.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account a friend sent me money I tried to link my XXXX accounts to the Venmo account and it will not work I sent numerous emails to get my money and no one can help me I was told the system is " Automated '' and there is no way to help me except to send the money back to the person that sent it. 
I am not on talking terms anymore with the sender and they will keep my money if I send it back. 
I asked for a check to be sent in the mail. They refused. 
They said I could send the money to my debit card. I tried and the system would no link it,. 
I spoke to a supervisor and they said there is not way for me to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC I feel Pro Collect Inc. is playing games due to a police report I sent in mail for the apartment named XXXX XXXX XXXX instead they get it mixed up with another apartment called XXXX XXXXXXXX XXXX which I didnt have a police report for that apartment those not have anything to do with the XXXX XXXX XXXXXXXX XXXX is not my account either! Its identify theft!
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I took out what I thought was a payday loan for {$520.00}. It turned out it was a line of credit in which this company expected me to pay {$66.00} bi weekly. Only {$20.00} of the {$130.00} would be applied to the principle balance which is Insane!!. This company has caused overdrafts to my bank account and financial stress. It is wrong for companies of this kind to take advantage of individuals who are experiencing financial hardships and add more financial crisis on customers. This company is a complete RIP Off!!. I spoke to them and they showed no empathy at all. They are harrassing me at home and even calling my work place. I fear of losing my job, due to the harrassing calls. I feel I have paid enough on this loan and haven't been given any credit. Now I'm being told I owe {$720.00} now even after my payments for the last 3 months. This company is a complete RIP OFF!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with BMW FINANCING SERVICE REPRESENTATIVE from BILLING DEPARTMENT XXXX  XXXX REFER NUMBER IS XXXX. This person verified that this information on my credit report is indeed inaccurate and should be removed from my credit file. 
1. I have never been late with payments on this account.

BMW FIN SVC Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information is reporting all wrong and i need it fixed ASAP from my name ti my address to my insurance information i need info removed and reported correctly also i do not want my personal information searchable or posted online basically shared to nobody
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
Product: Credit reporting or other personal consumer reports

Transunion continues to furnish inaccurate unlawful Child support information. Child support is not a Consumer credit transaction therefore should not be reported. 
XXXX XXXX XXXX  XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company HP SEARS, ALLEGED account # : HP SEARS ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU
Product: Credit card or prepaid card

I had received a promotion mail promising that I would get 12 month of interest fee purchases and an XXXX XXXX from TD Bank for new credit card opening. I did get the XXXX XXXX, but the bank kept charging me additional interest for all new purchases. 

The disclosure was stated as follows APR for Balance Transfers : 0 % introductory APR for first 12 billing cycles after account opening. After that, 14.99 %, 19.99 % or 24.99 % based on your creditworthiness .If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement.. 

With the above statement, basically the the bank says, only if I do a balance transfer, I am eligible for new purchase credits for 12 months. As an average consumer, I did not understand that 'only If I do the balance transfers that my purchases will be waived for 12 months '. 

The language in the disclosure seems to have been made intentionally to confuse the average consumer. 

I had called customer service for TD bank, they refuse to refund my money, saying you signed the disclosure and there is nothing we can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) XXXX  and TransUnion are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have a dispute reference number, I just want to track it. It is XXXX We are buying a winter home in Arizona but my job is in Indiana until I retire. My husband who is retired will be living between Arizona and Indiana but I will live in Indiana until I retire. We have our home in Indiana up for sale so I had placed a deposit on an apartment and to my amazement found out on XX/XX/XXXX that I had been declined because of 4 eviction notices filed in the XXXX courts on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that showed up on Transunion rental screening service. After hours on the phone I found out that the eviction notices were filed by XXXX XXXX XXXX managing XXXX XXXX XXXX  in XXXX Arizona. I have never lived in those apartments and have only rented one apartment back in XXXX. We owned our home in XXXX CO from XXXX-XXXX and then bought a home in Indiana. I worked full time in XXXX CO so someone either stole my identity or a number was transposed. But these eviction notices are for XXXX and XXXX XXXX not myself or my husband who is XXXX XXXX. I need these removed as they are preventing me from renting in Indiana. I have never been evicted in my life as I have always owned a home other than the few months I rented back in XXXX and that was because our home in XXXX XXXX was a 2 hour commute to my job at the XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

I was a resident of XXXX XXXX XXXX in XXXX, Tx. I recently moved due to a job transfer XX/XX/XXXX. I gave 30 day notice on XX/XX/2015. I was not contacted by the apartment complex until a couple of weeks ago when a collection agency sent me a notice that I owed almost {$1600.00}. I have never been notified about any past due charges prior to the collection agency sending me a notice.. I also contacted their corporate office. I was told that someone would call me back and no one has. XXXX XXXX advertises a gated community and the gate has never worked, I was without hot water for four days XX/XX/XXXX, dryers in the laundry room have been down for months, roach issues, stray cat issues. I was made to pay an extra {$300.00} deposit before moving in with no reason as to why.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Mortgage

My husband died on XXXX XXXX XXXX. I am his first and only wife and I am listed on the deed and the mortgage as his wife. Every time New Rez sends me documents, they address the correspondence to the XXXX XXXX XXXX XXXX instead of to me. This has caused problems with home owners insurance and also with just the reminder of seeing his name on documents causes me extreme grief and misery. I have reached out several times to ask them to address the documents to me and they always ask for a will. My husband did not have a will and I have been told that I do not need to go through probate since my name is already on the deed and mortgage. Can someone from New Rez please contact me to let me know how I can assume this mortgage in a simple and easy way. My ability to pay can be seen in my mortgage payment history and I understand that I am protected by the Garn St. Germain Act. Furthermore, I would like to add my daughter to the account as well without refinancing so that she does not have any issues if something were to happen to me in the future. Any assistance would be greatly appreciated.
Product: Credit card or prepaid card

We received a suspicious letter from a bank : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX We have'n any commercial relationship with that bank. They allege we submitted a credit card application and requested social security card, birth date, residencial address, driver 's licence and a recent utility bill. 
No telephone number or bank representative signature appeared on the letter.
Product: Credit reporting or other personal consumer reports

Ive reported to them I have no clue of an account that is on my credit file. They have stated it is verified which is impossible because its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

Transunion Unauthorized Inquires : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute multiple inaccurate and unverified collection accounts that are currently listed on my credit report. After reviewing my credit report, I have identified several accounts that I believe are being reported incorrectly and that I suspect are not substantiated by proper documentation. 
The accounts in question are as follows : XXXX XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2300.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : Credit Collection XXXX XXXX 
Account Number : XXXX Reported Balance : {$860.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$7300.00} Date Opened/ Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2700.00} Date Opened/ Reported : XX/XX/XXXX I am requesting that you validate the accuracy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., which mandates that all information provided to credit bureaus be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that you cease reporting any disputed debts until proper validation and verification are provided. 
As part of my dispute, I am requesting that you provide the following documentation for each of the disputed accounts : XXXXThe name and contact information of the original creditor for each debt. 
XXXXThe amount owed, the date the debt was incurred, and any payments made toward the debt. 
XXXXThe specific method and date by which each debt was verified as accurate. 
XXXXAny written evidence or documentation supporting the existence of the debt. 
XXXXProof that the collection agency or creditor has the legal right to report the debt to the credit bureaus. 
If you are unable to provide sufficient verification for any of the disputed accounts, I request that you remove or update the information accordingly. Failure to validate and substantiate the debt as required by law should result in the immediate removal of these accounts from my credit report. 
Please treat this letter as a formal dispute of the accuracy of these collection accounts. As stipulated in the FCRA, I expect a response within 30 days of your receipt of this letter. If you are unable to verify the information, I request that the accounts be removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report.
Product: Mortgage

This is continuation of case # XXXX. I apologize not submitting all my documents one time. I am here to bridge the miscommunication between XXXX XXXX and Bank of America. To pin point where problem is, I need your help to provide me these documents that l stated below. Here is anther Sample of those documents I am requiring. I had obtained this guide line documents from XXXX XXXX website ( Transferring mortgage instruction ). Also as stated on the manual of Cfpb, you are obligated to keep a copy to your self all the Documents you have sent to the new servicer. 

Loan Acquisition Scheduled UPB Amount ( formerly known as the Unpaid Principal Balance ). 
On the Funding Date/Sale Date : Receive cash wire from XXXX XXXX XXXX XXXX, as Trustee for XXXX Cash wire Includes funding adjustments and net funding. 
Includes the Servicing Released Premium Access cash settlement statements in the Selling System. 
Funding Details Report Loan Purchase Statement providing me those documents will definitely settle my case. 
Thank you XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you  initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears this Collection agency has purchased an old fraudulent claim from XXXX that clearly was fraudulent. They have filed collection notice on 3 credit agencies in an effort to collect with out regard for the validity of the claim. 
Now they are holding me XXXX and charging me on a monthly basis to resolve this issue .. What a scam. if this is happening to me its happening to other people. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists