23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been a XXXX XXXX for 16 years. I made my payments on time with a goal of having loan forgiveness due to being in a public service position. During all of my years with Sallie Mae & Navient, they told me about having to make all payments on time, however, I was never informed that I had to have my students loans moved into a PSLF loan until about a year ago. So now, I would have to apply for PSLF and pay off another 10 years. Ill already have them paid off on my own by then. So frustrated and so disappointed!
Product: Credit card

I asked them to provide evidence proving this account belonging to me. I DID NOT receive that. No signatures nor Id was sent to prove ownership. This has been ongoing issue with multiple harassing phone calls to me and family members. On going harassment for the past several months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such instructions.
Product: Credit card

I purchased a ring on XXXX for pick up at my local XXXXXXXX XXXX store in XXXX, Ca. The order was fulfilled by a XXXX store in New York. The order was not fulfilled by the estimated date and I was never asked if I wanted to cancel my order. I went to pick up the item when it finally arrived only to open it and the jewelry pouch was empty. It was only the pouch. No ring was in the package. The manager at the store said she couldnt do anything and to submit a claim on the XXXX app that the item was not received. That claim was denied. In the interim I contacted the Nordstrom credit card I used to purchase the ring and they opened a claim. While waiting I went back to the store to resolve and again they said they couldnt do anything. I had already emailed Nordstrom.com multiple times. Also emailed their delivery department. No one has helped me. I just received a letter saying after their investigation they decided the charge was correct because the store said the item was in the box and that I had to pay the {$4600.00}. All they did was send me back to the XXXX store. I do not have the item I was charged for and Nordstrom credit card has done nothing to protect me as the consumer.
Product: Mortgage

Santander mistakenly paid ( from my escrow account ) my entire insurance premium in XXXX XXXX instead of just the homeowner portion. The insurance binder clearly itemized the amount Santander should have paid for the homeowner portion. In XXXX XXXX, Santander completed an analysis of my escrow account, and they did not account for their error, thus increasing my escrow payment by more than {$400.00} per month, which I can not afford. I first called Santander on XX/XX/XXXX, XXXX and also emailed their customer service dept. Neither attempt was able to resolve the issue, in fact they did not reply to my email. Since that date, I have placed several calls and made several more requests to get them to correct the matter and provide documentation for my files. They have refused to provide an email address to a direct contact for me to communicate with which will also allow me a document my position. I have provided confirmation that my insurance carrier has reimbursed Santander entirely ( in XXXX XXXX ) for additional money they received due to Santander 's error and that I paid my portion throughout the year. My last communication with Santander was XX/XX/22 when I spoke to XXXX from their insurance department. She recognized the error and explained it would take XXXX business days to research and that I would get an email confirmation. To date, I have not heard from a Santander representative. 

Note, the attached was sent to XXXX XXXX XXXX XXXX XXXX, who, in turn, advised me they do not handle such a matter and referred me to helpwithmybank.com
Product: Credit reporting or other personal consumer reports

I noticed on my Transunion credit report that I have duplicate listings of my student loans. XXXX is reporting a loan balance. However, XXXX transferred my loans to XXXX so I no longer have a loan balance with XXXX. XXXX is reporting this transferred loan balance. This is accurate. My credit reports shows XXXX and XXXX loan balances, doubling my reported total student loan balance. This has dropped my XXXX XXXX by over XXXX points. 

XXXX does not have duplicate listings but has XXXX listed instead of the accurate loan servicer, XXXX.
Product: Mortgage

1. Received pre-approval from US Bank on XX/XX/2023 from US Bank for a VA mortgage loan up to {$370000.00} 2. Signed purchase agreement on XX/XX/XXXX or XXXX, with a closing date of XX/XX/2023. 
3. Submitted all documentation and information requested to US Bank within one week.

4. US Bank customer service representative called with weekly updates on our mortgage. We were advised that we received approval from underwriting. 
5. XX/XX/XXXX a professional moving company packed our residence in XXXX for our relocation to XXXX 
6. XX/XX/XXXX, while we were actually driving from XXXX XXXX XXXX customer service representative called to advise we had a new underwriter assigned to our loan who had more questions and closing might be delayed. And the house did not pass VA inspection due to some areas that needed to be scraped and painted on the house. 
7. XX/XX/XXXX the US Bank customer service representative called requesting written proof of my husband 's transfer from XXXX XXXX XXXX XXXX location. We advised the transfer was still in process and thst we don't have a date yet. We asked what the problem was as I will be living in the house, my husband makes plenty of money to qualify for the mortgage and we have very good credit. The customer service representative was unable to answer our questions. 
8. XX/XX/XXXX the manager over our customer service representative advised that we were being denied our loan since we could not prove that my husband would not be in residence within 60 days of closing. She also stated that every other large bank would do the same thing. She also verbally accepted 100 % responsibility for our loan falling through on behalf of US Bank. She made the same admission to our realtor. She said that the bank would reimburse us our moving company costs as compensation for this situation. 
XXXX. We had to forfeit our XXXX deposit as the sellers were threatening to sue us for breach of contract. I advised the manager that I felt that the Bank should reimburse us for our lost XXXX money. 
10. We had to scramble to find an apartment for me to live in.

11. I feel that the bank should reimburse us for all up front payments to the bank for this failed mortgage, our moving costs, our lost XXXX deposit and the initial cost of renting our apartment. Not to mention the extreme stress this situation has caused.
Product: Credit reporting or other personal consumer reports

Delinquency report dates vary when I call and across Bureaus thus there are errors. Accounts have reached 7 year statue of limitations of Florida and are in violation of it by not being removed. Additionally accounts are paid off and closed. Please help, I have been dealing with this for a long time without any success. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX original report {$2400.00}. This is a bill that is suppose to be paid through restitution from a XXXX case that is being handled through XXXX, New Hampshire court. The person has not made any payments toward the restitution and he has been in and out of prison since 2011. His probation officer is XXXXXXXXXXXX if you need to contact her. In the mean time I would like for this outstanding balance to not affect my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account with this company. They have violated my rights over and over again!!! 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXXXXXX Inquiry-XXXX XXXX XXXXXXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.
Product: Credit card

I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

So I use cash app to send and receive XXXX. I had a problem with a transaction they wont tell me why but long story short they said they had to return the funds, okay no big deal but now its been a week and they money hasnt shown if you look it up on the block chain it just says it will in one day but has said that for a week. Cash app wont respond to my chats or emails, and just wont help me get my money back at all when the fault is on their end
Product: Debt collection

Back in XXXX the same company " XXXX '' informed me that i had a bill out there for {$510.00}. ive never had a XXXX  bill reach me or held services with this company. XXXX reported inaccurate information on to my report. I then had to reach out to each credit bureau seperately and informed them this was identity theft/fraud as i have only ever held accounts with XXXX & XXXX i have never had XXXX. All 3 major bureaus deleted the inaccuracy off of my report. Fast forward into 2024 XXXX has decided to sell this debt to a 3rd party collection Agency in this case " Jefferson Capital '' i am once more having to deal with disputing the same information that was already deleted previously. I am asking for help on having this removed from my credit reporting. XXXX has removed and deleted the collection. XXXX has not deleted after i've disputed. i currently have already submitted a dispute with XXXX and am waiting for results. Once more this exact same company reported misinformation back in XXXX and am now having to deal with this once more. Please update and remove from my credit reporting this is not my account i have a very common name.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I submitted a dispute letter to Experian through their online portal, specifically requesting an investigation into several inaccurate items on my credit report. These inaccuracies pertain to inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and names. 

I did not receive a response back from Experian with the investigation results. 

Despite my diligent efforts to address these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results. It has been 5 months since I sent the dispute letter, and Experian has failed to provide any acknowledgment or resolution of my concerns. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Experians negligence in addressing my concerns is unacceptable. 

Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as proof of my attempt to rectify the inaccuracies on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Given Experian 's failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Debt collection

I found out on XX/XX/2020 about information sent to collections through credit monitoring services. Upon calling the collections agency appearing on my credit report, I was told it was for XXXX XXXX in the amount of {$100.00} I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from XXXX XXXX, their billing company ( XXXX XXXX XXXX ) or National Recovery Agency ( collections agency ) prior to placing on my credit report. I got XXXX number from the collection agency and been trying to get to the bottom of this. Both the billing company and collections agency had my city wrong when I called them and they asked me to verify. I have been met with unprofessionalism when talking with employees at National Recovery Agency and XXXX XXXX XXXX. I was told by XXXX XXXX XXXX on XX/XX/2020 that my dispute was received. I also notified the collections agency that I was going to dispute. I'm attaching the dispute letter. Multiple calls made last week to XXXX XXXX XXXX were going to voicemail - no one answered phone throughout the day. I left a message and the rep ( XXXX  ) that called me back had a phone number showing up as SPAM LIKELY. I answered the call because I recognized it as the number I had been calling. XXXX told me my dispute was sent to XXXX XXXX for review and they will make decision. She refused to give me info about XXXX XXXX as I wanted to contact them directly and told me to XXXX it. I don't know how to reach them, but left a message on XX/XX/2020 for the City of XXXX Community Rep to see if she can help and have not received a call back thus far. Please investigate XXXX XXXX, XXXX XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.
Product: Credit card or prepaid card

1- I received by mail an Offer from XXXX XXXX to apply for XXXX XXXX American Express XXXX XXXX The Offer included XXXX Bonus Points and a XXXX XXXX Introductory Interest Rate for XXXX months on Purchases. This Offer had Expiration Date of XX/XX/XXXX. 
2- In XX/XX/XXXX, I applied for this XXXX  Card using Custom Offer Code : XXXX, which was included in the Offer Document. 
3- In XX/XX/XXXX, I took advantage of the XXXX XXXX  Interest Rate and made a {$4000.00} Charges. 
4- When I received Credit Card Statement for XX/XX/XXXX, I discovered that American Express STARTED to charge me a XXXX  % Interest which is contradicting their Original Offer oXXXX XXXX % for XXXX months. 
5- On XX/XX/XXXX, I called American Express Customer Services and Spoke to XXXX XXXX and filed a Complaint under Case # XXXX regarding the start-up of charging me interest before the end of The XXXX Promotional Period which should have been ended in XX/XX/XXXX. 
6- From XX/XX/XXXX up to XX/XX/XXXX, I did not hear any responses from American Express about the results of my Case. 
7- On XX/XX/XXXX, I called American Express Customer Services and Spoke to XXXX XXXX who advised me that the Case was closed without any results. 
8- So, I requested from him to open another case for the same 0 % issue. Another XXXX # XXXX was opened. 
9- From XX/XX/XXXX till Today, XX/XX/XXXX, I have not received any responses or correspondences from American Express regarding my Case and results of their Offer to me for the XXXX % Interest for XXXX  months. 
10- It is clearly obvious to me that American Express is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their WRITTEN OFFER to me of XXXX  % Interest for XXXX months and instead, they elected to make more money without any regards to their misleading and deceiving Advertisement. 
11- Because of American Express 's ignorance, they have been charging me a {$650.00} in Interest Charges from XX/XX/XXXX to XX/XX/XXXX. 
12- THIS IS AN UNFAIR BUSINESS PRACTICE IN XXXX XXXX most importantly, HURTING AND HARMING A SENIOR CITIZEN OVER XXXX  YEARS-OLD IN PARTICULAR. 
13- American Express MUST honor their own offer and should not have charged me the {$650.00} for Interest Charges that supposedly are going to start in XX/XX/XXXX when the XXXX months Promotional Period ends in XX/XX/XXXX. 
14- American Express MUST immediately reverse ALL interest charges totaled {$650.00} that added to my account and inflated my outstanding balance unjustifiable.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$0.00} XX/XX/year> These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with trheir findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requesting to corerct the suspicious information I found on my Credit Report. I belive that the Credit Bureaus have not validated these accounts in accordance with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It's either the Credit Bureaus correct these accounts or remove completely from my Credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent dispute letters to TRANSUNION i have yet to see my dispute results. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 


XXXX/DEPT OF ED XXXX XXXX XXXX XXXX US TREASURYXXXX XXXX US TREASURYXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX