23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in XXXX, after the Corona situation, i reached out to the bank asking if they would allow a break from Mortgage, since my husband was not working at the moment and I was paying more bills. I was offered three months of no payment ( forbearance ). I did not get any documents to sign yet. In XXXX, i received an email from XXXX XXXX and he informed me that i qualify for a re-finance with a lower interest. I was excited to hear that, i said send me the information for review please. he sent me a bunch of numbers, which looked good. I agreed to start the process. He emailed me when he wanted something, and was never really clear as to why my documents stated PMI was being applied. I than reached out to him via phone and no response. When he finally responded, he said that I should be receiving a refund of at least $ XXXX to be sent back to them ( he offered to take care of it personally ) and they will drop the PMI. all the paperwork said I would have a new loan of $ XXXX. I signed off on the documents and I was very hesitant with the minimum information I was receiving from him. The loan officer witnessed my whole conversation with this guy. it has been a month, and I didnt receive any refunds. I called him and no answer, i emailed him and no answer. I called his Boss XXXX XXXX, and he said he will look into it and call me back. A week later, and nothing yet. I got an email this AM and I am being told that the money was credited from my original loan. Now I owe $ XXXX more than what my original loan was?!  No one seems to have an answer for me! No one is returning my call. and I do not have a bill to pay till now! I need help please. I am suffering with this company and I regret every minute I spent with them. Please help me! I should not owe more than what i was told and I should have a refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have Capitol One Auto. 

15 USC 1681 Section 602 states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.
Product: Debt collection

Two of my 'references ' were contacted by XXXX of the XXXX , NC office of Mariner Finance on XX/XX/2018 about a debt I have with Mariner Finance. I called XXXX after learning she had contacted these references. XXXX said she did this because she hadn't been able to reach me. When I responded that I had spoken to two people in her office just last week and had agreed to make a payment by the end of XXXX, XXXX said that the notes on her computer said this, but, she had to contact my references because she didn't have an exact date when my payment would be made, and couldn't reach me. I told her that I did not need to contact her prior to the end of the month because I had already agreed to make a payment by the end of XXXX. I told her to not contact any of my references about my debt.
Product: Student loan

As of XX/XX/24 Navient has informed me that I'm third party lol. This a stall tactic I was informed by the Department of Education that determined I'm no longer liable for my student loan. I've reached out to Navient to remove this from my credit report due to XXXX XXXX XXXX engaged in widespread misconduct that violated state consumer protection laws. I've called Navient to inform them of my letter that I received that I'm no longer liable for the loan and it was forgiven. And when asked when, will I receive my refund for prior payments made to XXXX XXXX. I was told by Navient I will not be receiving anything nor did they say they would look into this matter of the loan being forgiven after I given the XXXX XXXX XXXXXXXX. Navient is in violation under the FCRA ACT 15USC 1681 violation for willful noncompliance - 616 Civil liability for willful noncompliance [ 15USC 1681n } Fair Debt Collections Practices Act 15USC 1692g violations. I request Navient investigate this information during which time all collection activity shall CEASE and Desist. This is still reporting on my credit report stating I owe this debt which in fact I don't owe anything on this balance.. Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. I received an email from Navient hitting my credit report stating that I still owe this debt for a college that committed FRAUD! I will not pay for this debt and if Navient still continues to play stupid and refuse to delete this debt and return my $ XXXX I will purse legal matters. Theirs no law to hiring someone to handle my personnel affairs. Nor do I need to contact Navient to let them know that either. I'm not third party and this not unauthorized. Navient, Formerly Part of Sallie Mae, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have three store credit cards ( XXXX XXXX Musician 's Friend, and Ashley Furniture Home Store ) that are handled through Synchrony Bank. On XX/XX/XXXX, I logged into the mysychrony online portal to make a payment on all three accounts. Ashley Furniture was due on XX/XX/XXXX and the other two were due on XX/XX/XXXX. There are only two checking accounts associated with the portal ( my XXXX and my husband 's account ). On XXXX, XX/XX/XXXX I received an email that there was an issue with the banking information I provided. The information for my XXXX XXXX XXXX  was incorrect and the payments would be cancelled. I logged into the portal, but it showed the payments processing and again only showed the two checking accounts. On Monday, XX/XX/XXXX I received an email that the payments had been cancelled. All three accounts had a late fee charged. I spent over an hour trying to get this resolved, I did get the late fee waved, but no one knows what the issue is. I have never had XXXX XXXX XXXX  and neither has my husband. XXXX XXXX Bank is located in my hometown, XXXX hours away, and my parents have an account there. I have never had an account with XXXX XXXX XXXX. Furthermore, my parents do not have access to mysychrony and do not even know I have those XXXX store credit cards. I have no idea how Synchrony Bank got access to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have 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 written instructions
Product: Credit reporting or other personal consumer reports

-First attempt for validation and investigation was XXXX for XXXX Charge offs from XXXX XXXXXXXX XXXX XXXX in the original amount of {$12000.00} and {$5100.00}. The original account was XXXX until XXXX purchased them. But XXXX put the exact same loans on my credit report with their name. Then in XXXXXXXX XXXX XXXXXXXX removed it from my credit report because it reached the 7 year mark. However, XXXX put them back on and put a last payment date as XXXX. I showed Experian, XXXXXXXX XXXX XXXXXXXX the evidence of the exact same account and requested an investigation with no response. The 3 credit reporting agencies continued to report it as up to date and never sent me a response on how they investigated and made a decision within 12 hours. Second attempt was XXXX and they continued to do the same thing with a quick turnaround response for the same accounts. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I had collection account from XXXX that was purchased from XXXXXXXX XXXX XXXX loans in the amount of {$9500.00}. I requested an investigation and no response even after sending them a letter from the company who stated they had no information on the account number associated with me on the credit report.
Product: Debt collection

XX/XX/2022 I ordered a shower door from XXXX. The door that was delivered was not the correct one. It was returned and the account was credited. Since then I have been billed twice for the correct door that I refused at my front door. I disputed and XXXX found in XXXX 's favor. Since I have talked to XXXX and they requested that XXXX find in my favor and XXXX refuses to do that as the file was closed. i will not pay for a {$600.00} door that I do not have. XXXX has sent my account to collection. I am caught between XXXX and XXXX with each pointing at the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : 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: Credit reporting or other personal consumer reports

CREDIT COMPANY FALSELY STATES THAT THEY DO NOT HAVE MY CREDIT FILE
Product: Debt collection

Debt collection firm at phone number XXXX calls to say they have legal documents to be served and that I can avoid legal action if I was to resolve the debt.
Product: Student loan

I have been struggling financially for years to pay my loans. I originally called XXXX XXXX at the time, and was advised that I could either do a deferment or forbearance. But was advised forbearance was the better option. Since then I have continually filed forbearance. I have seen a lot of interest added on to my loans since then, and wonder if I will ever be able to repay all the debt, if at all. My loans originate from going to school at XXXX XXXX, and XXXX XXXX online.
Product: Mortgage

We were denied a mortgage refinance from Ditech because on one of our Credit Reports was showing an incorrect home with XXXX, We attempted 3 times to get this corrected and with no luck.We asked to remove any/all fraud alerts and ant/all consumer statements. This is why Ditech /XXXX rejected our refinance application. Everything else was good to go.
Product: Vehicle loan or lease

On XX/XX/2022, I purchased a XXXX from Ford. Several months following the purchase I was contacted by Ford saying there was an error with the paperwork, and I owe an additional {$1300.00}. I requested something in writing which I received 73 days after the purchase of the vehicle. The additional funds paperwork does not match the original paperwork I signed and therefore violates Truth in Lending Laws. Furthermore, Ford has not registered the vehicle in my name and appears to be using the registration as blackmail to get additional money beyond the agreed upon price. As a result, as of XX/XX/2022, the vehicle still has not been registered and has exceeded the 60-day timeframe for a vehicle to be registered in the state of Pennsylvania. 
Below I have outlined the multiple attempts I have made to resolve with NO engagement, concern or interest from Ford who manufactured and financed the purchase. 

*Everything is included in attachment*
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX home designed credit card ) placed on my consumer report by XXXX, XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Product: Debt or credit management

I was forced to chosse only one option as salary payment for working hours. 
Even request the salary payment sucjh as payment stub checcking, my oral request was denied unless receive the debit card by the XXXX XXXX company. 
Since then and now too many issues which costumer service ( XXXX XXXX ) that do not provide accurate information such as : - Limit mount to withdraw cash it is variable depending at every ATM location. 
- Some XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location do not exist even costumer services insist for many times, - According to the costumer service the limit withdraw is XXXX XXXX XXXX XXXX  ) however it is different at every ATM machine - Some ATM machine allow proceed just one transaction per time so next time it is llow to withdraw again - Some of them the costumer ( who use the service ) must to have transportation because it far. 
- It is no possible to request the option of pay-stub check pick at the office of the temp employment office. 
- At emergency case the service carry a fee when the card does not work such as it is not recognize the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/2024 XXXX, Equifax, and XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from XXXX, Equifax, and XXXX, dated XX/XX/2024 for XXXX XXXX ( XXXX XXXX XXXX ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that XXXX, Equifax, XXXX conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX to opt out of all reporting after my initial acceptance for XXXX to report. In XXXX, a letter was sent to the company indicating to opt out from any and all authorizations, and I the consumer, have given you, written, unwritten, verbal and nonverbal, verbal per 15USC1602. My request for Opting out was on XXXX complaint and XXXX is ignoring my request and violating the law. 

After I sent the opt out request to the company,. The company is still reporting to the credit companies and affiliates without my consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On that complaint, the company is denying me from Opting out " Company 's Response XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. According to our records, we responded in writing to both you and the CFPB on XX/XX/2024, regarding your case number XXXX. In that response, we advised that we have confirmed we are accurately reporting your account history and status to the credit reporting agencies. As such, we are unable to honor your request to remove your above referenced account from your credit files as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. I have enclosed a copy of our prior response for your records. Please be assured that this matter has been given our full attention and a thorough investigation into your concerns has been completed. Please understand that since we have addressed your concerns and until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Should you have any questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXXXXXX XXXX XXXX. ( ET ). Sincerely, XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB
Product: Consumer Loan

I recently " purchased '' a car with a {$12000.00} sticker price. Under the guise that this was a financed loan. After all the paperwork was finalized, the final cost of the vehicle became {$35000.00} and this was a lease, not financing. So after 5 years of paying for the vehicle, I then would have to return the vehicle and also pay any depreciation cost. Also, if I return before the lease term is up, I 'm still liable for the cost of the vehicle. Or if I return the vehicle and stop paying for it, this would severely damage my credit. The name of the company who does the " financing '' is Autotrakk.
Product: Money transfer, virtual currency, or money service

1. XX/XX/XXXX - I sent {$200.00} to XXXX XXXX XXXX in the XXXX via Western Union with MTCN # XXXX and they confirmed transfer via email at XXXX 2. XX/XX/XXXX ( XXXX ) - another email was sent that the delivery method for the transfer was updated which will not be sent to receiver 's bank account instead of picking it up. 

THIS IS WHEN IT ALL STARTS. 

3. XX/XX/XXXX ( around XXXX via mobile phone call ) - This was my first call to check up on the transfer because he was never able to pick it up. They mentioned the following phrases/words/sentences that I just wrote down : - on XX/XX/XXXX, the bank that was supposed to receive the money rejected it - Western Union has to request for a manual rejection from bank where money was supposed to be sent so it will go back to Western Union - " under investigation '' - they created a case/complaint # XXXX 4. XX/XX/XXXX ( around XXXX ) - I called back again and talked to someone named XXXX under their " Concern Department '' and she said that this concerns the " digital payments team?!?!? '' and that they will request for the manual process on the bank that was supposed to receive the money to REJECT the money AND that it will take " XXXX days for the money to be returned back to my bank account '' after I receive an email acknowledging the process. I never received an email! 

5. XX/XX/XXXX ( around XXXX ) - talked to someone named " XXXX XXXX and he said that it is already " UNDER INVESTIGATION ''?!?!?!? and that the " RELEVANT TEAM '' is on it! and I will get an update within XXXX business days and that I can call back if I don't hear anything ( THEY SAY THIS ON EVERY CALL AND I NEVER GET AN UPDATE!!! ) 6. XX/XX/XXXX ( around XXXX ) - i talked to someone named " XXXX ''?? and these were the things/words/phrases he mentioned ( i can't really understand with the heavy accents ) : - " back office team '' - " a different department handles this '' - " working offline '' but that he said he escalated it and i will get an update within XXXX hours and of course I NEVER DID 7. XX/XX/XXXX ( around XXXX ) - they just keep telling me the same thing over and over again, which is what is on their script I assume. So I told them if I don't get my money back, I am calling the Consumer 's Protection Agency. And here I am because even though they sent and email ( on XX/XX/XXXX AT XXXX ) acknowledging this transaction and even said, " we are DELIGHTED to assist you ... and that their bank processor has confirmed that the transaction has failed and they they will proceed with the refund, I never got the refund at all ... that was XXXX BANKING DAYS AGO... 

Please help.
Product: Money transfer, virtual currency, or money service

Coinbase had a fraudulent " flash crash '' Due to  deliberate market manipulation at XXXX on Ethereum which caused everyone to lose millions and billions of dollars. I myself lost a substantial amount of money. XXXX XXXX  XXXX There are numerous people that were affected.