23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

applied for a Crdit Card. I was approved with a {$190.00} program fee and a reduction of credit limit by {$100.00} upon receiving card. That is a {$290.00} fee after a credit check is ran and my XXXX is dinged. No prior insight on such before applying. PREDATORY. ... I was shown on XXXX XXXX for a good approval odds on a Debt consolidation loan. Applied, my FICO was hit, only to find out its would need to be secured with a title to a vehicle. " Title Loan '' no prior insight on this before my XXXX gets dinged again and the terms are released. " PREDATORY ''. This type of marketing is geared to poor or good credit. Information on this should be clearly visible and advised prior to running a hard inquiry. I believe soft inquiries should only be completed on this.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below..

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, Experian, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I  contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
Product: Credit card or prepaid card

I applied for the capital one Savor card and was denied. I have do not have any derogatory accounts with Capital one and have actually had a Capital one XXXX XXXX credit card for a few years now in perfect standing My credit score is around 760. 

Additionally when I call the capital one contact person on the letter they sent me i leave a messsge and they wont call me back.
Product: Student loan

Please see attached word document. This letter was sent to Navient. It shows evidence that Navient reported " On Time '' payment history for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX student loan accounts. However, Navient removed the " On Time '' status for each of these months recently and has not provided an explanation. See attached PDF document for response. Navient 's response does not acknowledge my question and is diverting to a different topic regarding " Negative '' payment history. This is in regards to reporting " No Data '' for the months listed above, not " Negative '' payment history. Perhaps their customer service person can not understand English? Obviously, this organization has 30 violations ( 5 accounts x 6 months payment history ) of the Fair Credit Reporting Act, regardless of their stance, since they are modifying historical account information on an on-going basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX, XXXX XXXX
Product: Mortgage

My loan was sold, to someone who has not contacted me, and I was just given notice. My payment next month is with a new servicer, of which has not contacted me, and when I contact them, they refuse to give me any information. How am I supposed to pay, when I don't even know the loan number for the account with the new servicer. I have XXXX, and do not need the stress from XXXX. If you look up XXXX  in the dictionary, it says see a banker. They should be fined for playing games with a person with a XXXX.
Product: Mortgage

I started the process with Homeside Financial back on XX/XX/XXXX, the Loan Officer ( XXXX XXXX ) sent me the pre-approval letter on XX/XX/XXXX. My agent put my house on the market and we accept an offer on XX/XX/XXXXand on the same day we put an offer to get a new house which was accepted by the seller, I reached my loan officer and he renewed my pre-approval letter and I sent him all the documentation that he requested, bank statements, ratified contract, preliminary CD for my current property. I filled the application within 5 days. The loan officer sent me the credit card authorization form to order the appraisal and couple of days later he sent me an email saying that the appraisal came back good. We asked him if we would be able to close for my new house on XX/XX/XXXXand he said YES, everything is good, they were waiting for the Title Company to transfer the funds of my current property so I would have the money the day of my closing. I sent him emails, text messages and called my Loan officer many times during the following 2 weeks and he sent me a text message saying that he went out of the country but that everything was good to close on the scheduled date.

The settlement of my current property was scheduled for XX/XX/XXXX( one week earlier than my closing to have enough time for the funds to be transfer ) On XX/XX/XXXX, I sent him an email saying that I haven't heard back from him and that I wanted to know if everything was fine. He got back to me saying that the underwriter just found out that my husband pays child support ( that information was on my husband 's paystubs ) he's been paying it sinceXX/XX/XXXX, so I sent him the Child Support order and called my loan officer 's manager, who told me that I need to refinance my car immediately to lower my debt radio ( all this less than 24 hours before the settlement ) I called XXXX and they were able to approve my refinancing in one hour, I contacted Homeside Management again but they said that was now enough and that unfortunately the transaction couldn't be approved.

For all those reasons, I wasn't able to settle my current property and I breached the contract, now they don't want to reimburse me for the {$1000.00} that I put down when I signed the contract and the buyer of my current property is upset because they were ready for the settlement and the night before we had to cancel.

OnXX/XX/XXXX I requested to Homeside to Transfer my loan to a new lender and one week later I'm still waiting for that to happen.

Today we contacted Homeside again and the Manager said he's going out of town, so I still haven't been able to settle neither for my current property or the new one.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to express my deep frustration and disappointment regarding the ongoing issue with removing fraudulent items from my record, despite multiple attempts to resolve the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply troubling that the issue remains unresolved. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred due to this persistent error. With this, I am requesting your assistance to remove these fraudulent items from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been getting charged a monthly fee of {$5.00} by Regions Bank for years when I was told by the bank when I opened the account that if I received a direct deposit that I would not be charged the monthly fee but I was still being charged this fee.
Product: Credit reporting or other personal consumer reports

I have checked my credit report, and I have discovered fraudulent account on my credit report, these fraudulent accounts are XXXX XXXX XXXX with account number XXXX and was opened on XX/XX/XXXXXXXX XXXX XXXX  with account number XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, these account are fraudulent and I request them to be deleted from my credit report as soon as possible.
Product: Debt collection

After a long career in the XXXX XXXX my daughter was seriously ill and had a chronic illness I resigned from my job and went back to school. I graduated from the University XXXX XXXX in XXXX with a XXXX XXXX in XXXX XXXX   during that time I was also working for the XXXX XXXX program a XXXX XXXX and XXXX program for XXXX children in the XXXX XXXX XXXX XXXX as a XXXX  XXXX and XXXX XXXX. I also worked for XXXX   XXXX Program which was an XXXX XXXX XXXX for children in the XXXX XXXX XXXX for XXXX children as a XXXX XXXX. 
After I graduated I started receiving notices that I had student loans I contacted the Department of Education because I had heard that if you work for the XXXX   or if you were working in a Job that you received your degree in that you could have your loans forgiven. 
I contacted the Department of Education got all the paperwork submitted it to the Department of Education I received notification from them that I was not eligible because I didnt meet the guidelines ( which I do not have the information at this time anymore because it's been so many years ) it was not explained clearly to me the guidelines and they never sent back my paperwork nor did they respond to any more of my letters requesting the reason why. 
I contacted the school and was told that it was for doctors, students oversees, and foreign students but the dept of education was saying it was for all students. But I decided to submit the paperwork again and I told them it was wrong and that the school told me about this and I wanted to know why I could not get the forgiveness. 
Then several years later I heard about this program again and also heard that the Department of Education was dismissing student loans I reapplied again to the Department of Education for the dismissal then I received a letter ( XX/XX/XXXX ) from the Department of Education saying that I had no student loans which this letter I do have. 

I retired XX/XX/XXXX and in XX/XX/XXXX I started getting letters and information from the list of companies listed below. 
US Dept of Education Fiscal Service, XXXX XXXX XXXX XXXX, US Dept of Federal Offset Unit, XXXX XXXX XXXX, Navient XXXX XXXX , XXXX, US Dept of Education Recovery , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XX/XX/XXXX my bankruptcy was discharged and no one came forward to say anything about these loans but I did get the letter XXXX saying I had no loans I'm confused on what is going on it has been over 17 years and they are doing this I am on a fixed income and retired and now someone is taking money out of my retirement ( the amount keeps changing ) I called each company they say its not them I called the department of education they say call the company but in the mean time they are taking the money from my retirement check and no one wants to help me or answer questions I have. This situation has caused me a very bad financial hardship. 
I have tried to get this resolved and no one wants to help me no one is giving me answers but they keep taking the money which has now caused me a Financial Hardship. I am XXXX years old retired and need your help.
Product: Checking or savings account

I filed a fraudulent charge with my credit card company which was a mistake on my part. I didnt recognize the charge because it was split between my paypal balance and credit card. I called my credit card company and contacted paypal when I realized my mistake. XXXX XXXX credit card company handled everything fine. But paypal has my account limited where I can only accept payments. I cant withdraw funds or give refunds. This is very important in my business as I sell live animals and offer live arrival guarantee. It is PayPals practice to hold funds as long as possible to collect interest on money that isnt theirs. I submitted required requested documentation on XX/XX/27 and PayPal refuses to discuss this with me on the phone. They say representatives dont have access and its being reviewed. Is it legal for them to hold my funds indefinitely? From what Ive heard and read they do this all the time and people want to start a class action lawsuit.
Product: Mortgage

I started the PMI evaluation / removal process on XX/XX/XXXX with US Bank. They deducted a {$150.00} fee to start the XXXX process. 

I had to submit a list of significant improvements that we have made to our home in order to get an appraisal approved. 

Since purchasing the house in XXXX of XXXX we have completed the following : Windows and Doors - XXXX Driveway/Patio ( Concrete ) - XXXX Electrice Panel Upgrade XXXX XXXX XXXX ) - XXXX Chimney Liner and Cap/Crown Rebuilt - XXXX Radon Mitigation System - XXXX Fence - XXXX Hot Water heater size upgrade - XXXX Level XXXX Car Charger and XXXX Install - XXXX Roof and Siding - XXXX ( this was completed before close of house by previous sellers but after appraisal ). 

Excluded the Roof and siding, I have personally spent XXXX worth of upgrades to our home. 

These were provided to US Bank originally and they came back and said there wasn't enough significant improvements. I asked the representative on XX/XX/XXXX to check and see what $ amount they were seeking and she came back and said it was only XXXX. She was confused because the amount of upgrades we had exceeded that amount so she assisted in resubmitting the list again. 


My loan is coming up on XXXX years in XXXX and I am trying to get the PMI removed so that I can be appraised with a XXXX at 80 %. Once XXXX years have passed, it will drop to 75 % making it hard to remove PMI. 

US Bank seems to be dragging their feet, as I call nearly every day asking for an update and so far it's been that I should be receiving a call to schedule an appointment or my appraisal request has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation.

I have all the evidence attach below.f
Product: Checking or savings account

I deposited XXXX in my account with TD bank on XXXX XXXX  at XXXX XXXX XXXX Which is a TD Bank Branch . On XXXX XXXX  my account went into a negative for XXXX stating that the owe TD Bank this even though I have 4 receipts from TD Bank ATM machines. They have continually declined my claims, Stating that the money I deposited was not counted for. This is my first experience TD Bank.
Product: Credit reporting or other personal consumer reports

Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the stress it's causing me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID THEFT and have been trying to reach out to CHASE CARD in regards to discussing the fraud account they keep reporting on my credit report. I did not open nor obtain the credit card that they are reporting. I keep playing phone tag trying to speak to someone! I have sent them several supporting documents as well as a ID THEFT affidavit and police reports. The date there saying this account was opened was XX/XX/2015 with a supposed  balance of {$20000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX  XXXX XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy. 

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.
Product: Credit reporting or other personal consumer reports

A creditor or furnisher listing an account as Charge off status is considered by the IRS as canceled or forgiven debt. The creditor or furnisher must issue the consumer a 1099c form. Which turns an account into taxable income for consumer. And, income can not be reported on a consumer report and also can not be listed as derogatory.This account is also reporting inaccurately. 15 U.S. Code 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached you would see proof of this account reporting inaccurate information such as late payments, open dates, date of last activity, dates of last payments, wrong credit limits across the bureaus and credit limit amount.This account is still reporting negatively on my consumer report even though it was sold/transferred to another lender/collection agency to collect on this CHARGED OFF debt which I am not liable for nor have a contract with XXXX XXXX XXXX violating 15 usc 1692a ( 4 ) . 15 USC 1692a ( 5 ) states the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction. I do not owe any debt, especially if an account is already CHARGED OFF. I as a consumer have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( XXXX ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a XXXX balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( XXXX ) : Transferred from XXXX to XXXX XXXX XXXX of XXXX Credit Bureau ( s ) Reporting the Inaccurate Information : [ Equifax, XXXX XXXX XXXX ] Incorrect Balance Reported : {$59000.00} ( also the Equifax only shows XXXXXXXX XXXX  XXXX XXXX XXXX {$45.00}, XXXX which is in contrast to the balances that XXXX and XXXX show as due by the XXXX XXXX XXXX XXXX Correct Balance : the servicer XXXX has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected.

This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged.

Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I found an item in my credit report I dont what is this. I NEVER RECEIVED ANY NOTIFICATION FROM THE COLLECTIONS AGENCY