23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing because FedLoan has failed to generate a correct and up to date count of my PSLF payments. On XX/XX/XXXX, FedLoan issued an official accounting of my PSLF payments from XX/XX/XXXX thru XX/XX/XXXX. ( Document is attached. ) FedLoan credited 50 payments but they should have credited 51. I wrote to FedLoan on XX/XX/XXXX, and told them that their count erred in this specific way : For the period of XX/XX/XXXX to XX/XX/XXXX, I had made 12 payments but they only counted 11. I offered to supply payment confirmation documentationif needed. ( My letter is attached. ) On XX/XX/XXXX, when FedLoan had failed to respond in any way to my letter, I called and spoke to Rep # XXXX. That Rep reviewed the payment history with me on the phone and verified that I was correct and that they had missed a payment. That Rep told me that she would " have a review generated and a new letter issued. '' She told me it would take 7-10 days. A month went by and when FedLoan failed to issue the new letter, or communicate with me in any way, on XX/XX/XXXX, I, once again, called. I spoke with Rep # XXXX. That Rep told me that " a review '' was submitted on XX/XX/XXXX but that it would take 90 days for them to respond not 7-10 days. The Rep told me I would receive my new, corrected, PSLF count in XX/XX/XXXX. On XX/XX/XXXX, I called again and spoke with XXXX # XXXX who said that she could see my review was " still pending '' but that they were " very backed up '' and so she could not give me a completion date. Over the past 10 months I have received zero communications from FedLoan regarding the status of my pending review or my PSLF payment count.
Product: Credit card

Capital One Credit Card - My limit was {$6200.00} for many years. I made timely payments. On XX/XX/XXXX I paid {$4800.00} to bring my balance under XXXX. On XX/XX/XXXX, Capital One decreased my limit to {$2000.00} - without any notice or warning. Their reason was negative credit hits ; however my credit had been taking a hit since XXXX, XXXX. I never missed a payment with Capital One and they gave me no notice my account was in jeopardy or possible credit limit decrease.
Product: Mortgage

Our firm handled a closing for on XXXX/XXXX/XXXX. On the day of closing, we had a payoff statement from XXXX showing an amount due good through XXXX/XXXX/XXXX. Interest was calculated and added through XXXX/XXXX/XXXX and our check was sent to XXXX in the amount of {$160000.00}. After two weeks passed and the check had not cleared our bank, I contacted XXXX and was told the check was received, but the loan was transferred to Shellpoint, along with our check. Our XXXX tracking notice shows the payoff check was received by XXXX on XXXX/XXXX/XXXX then forwarded to Shellpoint on XXXX/XXXX/XXXX. Shellpoint received the check on XXXX/XXXX/XXXX. I contacted Shellpoint and was told they would have to research the missing check and it would take XXXX business days. When I called back, I was told the payoff was short, and that a payoff statement from XXXX XXXX XXXX firm had been sent to our firm on XXXX/XXXX/XXXX. I was able to find the payoff statement from RAS in our file, which was entered after closing on XXXX/XXXX/XXXX ; so we were unaware XXXX XXXX was involved until after closing. When I spoke to XXXX about this second payoff that was sent to us, she confirmed it was sent on XXXX/XXXX/XXXX, and that because it was sent to us after our closing date, the initial payoff statement from XXXX would be honored. 

I talked to Shellpoint again and was told they would send me a payoff statement so that I could resend a check. I also contacted XXXX XXXX on the XXXX and was told I would receive a payoff statement as soon as possible. Finally, on XXXX XXXX, a representative from Shellpoint called me and left a voicemail. I returned the call and left a voicemail. XXXX XXXX with Shellpoint called me today told me that our payoff is short by {$4000.00} due to the accrued interest- which is a direct result of Shellpoint 's refusal to resolve this issue. 

Shellpoint has refused to provide our firm with an explanation or a written payoff statement ; and is instead, attempting to add an additional {$4000.00} to the amount due.
Product: Credit card

A credit card was fraudulently attempted to be opened under my name. The bank was JP Morgan Chase. 

I was informed by JP Morgan Chase of the fraudulent activity on XX/XX/XXXX and the account was closed. 

I added a fraud alert with the 3 credit reporting agencies : XXXX XXXX, XXXX and XXXX. 

I need to remove the card inquiry to my credit report from this fraudulent activity because I understand the hard inquiry will adversely affect my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an email to XXXX asking do they report bankruptcies any credit reporting, agencies, credit bureaus, or XXXX  parties and I received a letter back saying, They do not report to any bankruptcies to any credit bureaus or XXXX  parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XX/XX/2024 XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Mortgage

We close our refinance for the house located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX with the First American Title ( Tel:XXXX, website : https : //www.firstam.com/rep/achandler/index.html ). The refinance company is XXXX XXXX XXXX Email : XXXX, Phone:XXXX FaxXXXX, Website : XXXX XXXX XXXX. MUD and property tax XXXX should be paid out by First American Title according to the refinance however, as of today XX/XX/XXXX, First American Title hasn't paid XXXX XXXX XXXX Texas ) the XXXX XXXX XXXX  XXXX tax which amounts to {$1200.00} if by XX/XX/XXXX. I and the refinance company XXXX have contacted for many times since XX/XX/XXXX Thursday which is the day I got the reminder notice ( available upon request ) from the County, but they never responded to me telling me what kind of remedy they will take to address the issue. Now my XXXX account is already in delinquency status. If the issue can't be solved in the very quick manner, a lien will be placed on to the property in question by the county and eventually my credit will be hit badly. Final CD and Tax certificate are also available upon demand.
Product: Credit card or prepaid card

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX- {$400.00} XXXX XXXX- {$300.00} MN CHILD SUPPORT ENFORCEMENT {$2300.00} XXXX XXXX {$300.00} XXXX- {$31000.00} US DEPARTMENT OF EDUCATION {$3800.00} US DEPARTMENT OF EDUCATION {$6200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$9800.00} XXXX XXXX  {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} US DEPARTMENT OF EDUCATION- {$6200.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$9800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine.
Product: Bank account or service

I signed up for a Citibank checking accountpromotion back in XX/XX/2016 for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout.It has been 91 days aftermeeting all requirementsand no payout yet I have been calling XXXX in XXXX todayand that was about useless. Then I called a local branch guy in Illinoisand told him about the promotion I had and what was going on. I did not even have to give him my account # and he knew what the problems was and what was going on. He proceeded to tell me that hehas dealt with a lot of people over the last few weeks with the same issue as I am having. Apparently Citi is struggling to pay this $ XXXXpromotion out on time and is paying it outabout 3-4 weeks after thedayit was promised.When I signed up for this promotion I made sure to print all the " fine print '' out and I have it sitting right in front of meright now looking at it. Citi did not keep there end of the contract/promotion up.
Product: Vehicle loan or lease

I am filing this complaint against Mercedes Benz for denying my car loan application in violation of the Equal Credit Opportunity Act ( ECOA ). The denial of my loan constitutes a breach of federal consumer protection law, as I am entitled to credit based on my application. Mercedes Benz Financial decision to deny my loan lacks lawful justification, especially since my credit rights are protected regardless of the contents of my consumer report. 

My loan application provides security interest, and I claim all Titles, Rights, Interest, and guaranteed Equity associated with this application. I am the creditor, not the borrower, as stated under 12 U.S. Code 1431 - Powers and duties of banks. refusal to process the application violates this law and ignores my rightful claim. 

Unlawful Denial of Credit : Mercedes Benz Financial denial of my car loan application is in violation of the Equal Credit Opportunity Act ( ECOA ). I have a legal right to credit, and denying me based on unjustifiable reasons is a violation of my rights under ECOA.

Security Interest Provided in Application : My application serves as security collateral, and Mercedes Benz Financial refusal to recognize this fact breaches 12 U.S. Code 1431, which makes it clear that banks are the borrowers. I, as the creditor, provided the collateral necessary for this transaction. 

Negligence - Not doing what I requested with my Security Collateral aka application. 

Identity theft. Im proper use of My Social Security Number.

Failure to Recognize Titles, Rights, and Interest : By denying my application, Mercedes Benz Financial has failed to honor my Titles, Rights, and Interest that are tied to my credit and the security I provided. Without my participation, including my social security number, no transaction can occur. The refusal to process this loan is both unlawful and discriminatory. 

I was told " its too much car for you '' that I wasn't able to get a car due to me not having any car history on my credit profile which is discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. The date of last activity shows a six month difference in the reported dates across all three bureaus. How is this possible if the bureaus are getting their information from the same source, XXXXXXXX XXXX I have written letters to XXXXXXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Product: Credit reporting

I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, Equifax, XXXX, XXXX.
Product: Credit card or prepaid card

I was on line the other day only to get a pop up for Discover Student Card. I was eventually approved and my card was sent overnight. I was able to take care of some things the first day. The second day I order an XXXX and the card was declined. After calling Discover they advised that they had to verify my IRS information and sent a copy of my bank statements notarized. I am having trouble signing into the XXXX document.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that identity theft occurred to me. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must within 4 business days remove or block any items that were opened without my knowledge, consent, or authorization if you provide the following : ( 1 ) valid identification ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer stating that the information is unrelated to any transaction by the consumer. 
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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts.
Product: Student loan

I have contacted Navient on multiple occasions about lowering my payments because I can not afford to live. They refuse to work with me and tell me there is nothing they can do. Payments in excess of {$800.00} a month to them is acceptable for a single woman making less than 50K a year, 23 % of my gross monthly income. I cant afford groceries or anything else in my life and they just do not care. They offer me forbearance so they can rack up more interest at 8.5 %. They are the worst, most unfriendly and unhelpful company I have ever worked with in my life. They do not care about their customers and do absolutely nothing to try and help them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy. 
15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying two months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to ding two people for one mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I received a Affidavit of Default and Notice of Termination of Automatic stay from The Law Offices of XXXX XXXX, which is my mortgage company 's ( Caliber Home Loans , Inc. ) attorney. The Affidavit states that Caliber Home Loans , Inc. has not received my monthly  mortgage payments for the months of XXXX, XXXX and XXXX of XXXX for a total amount of {$4500.00}. The Affidavit that was filed is not only false and incorrect, but also shows how poorly ran and inconsistent this company is. For the months stated in the Affidavit, I  made payments with a cashier 's check from my bank ; which I went to and obtained statements for proof. Not only did Caliber Home Loans, Inc receive my monthly mortgage payments, my statements showed that all checks were cleared. I gave my attorney proof of all documents and she then sent them over to Caliber Home Loans attorney, XXXX XXXX, and contacted him to explain the situation. He explained he will contact Caliber Home Loans and be in contact with her soon. My attorney contacted me a couple days later and explained that Caliber checked their records and instead of owing {$4500.00} I now owe {$1100.00} instead. And this {$1100.00} isn't for the three months stated in the affidavit, its actually from last year XXXX of XXXX. This is absurd! How do you go from filing a judgement for missing payments for the last 3 months for a total of {$4500.00} to now disregarding that amount and saying, I now owe {$1100.00} for last year XXXX of XXXX. This company is dishonest, unorganized and untrustworthy and that's very disturbing because these are the people that I have to pay every month. My monthly statements that I receive from Caliber Home Loans, Inc. also does not reflect the payments that I have made. Due to the current pandemic and with all that's going on, there is a high percentage of credit fraud and identity theft. This is very unacceptable and to say the least frightening. Attached is proof of documents in regards to this entire situation.