23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 8 LINES ON MY CREDIT REPORT UNDER US DEPARTMENT OF EDUCATION THAT TRANSFERRED TO DEPARTMENT OF EDUCATION XXXX. XX/XX/2012 $ XXXX. THESE 8 LINES HAVE {$0.00} BALANCE ON MY CREDIT REPORT BUT UNDER THE " SCHEDULED PAYMENT AMOUNT THERE IS " {$20.00}, {$6.00}, {$41.00}, {$23.00}, {$85.00}, {$88.00}, {$36.00}, {$36.00}. TOTAL {$330.00}. TERMS OF FREQUENCY SAYS " DEFERRED ''. THE LOANS WERE TRANSFERRED TO XXXX. IT SHOULD NOT SAY DEFERRED. THIS {$330.00} AMOUNT IS AFFECTING MY DEBT TO INCOME RATIO AND STOPPING MY HOME LOAN APPLICATION FROM GOING THROUGH. I HAVE ASKED EQUIFAX TO CORRECT THE REPORTING. THEY CLAIM THE DEBT TO INCOME IS NOT ON MY CREDIT REPORT AND SENT ME MY CREDIT REPORT WITH THE AMOUNTS LISTED ABOVE ON THE REPORT THEY MAILED ME. I HAVE ASKED THE DEPARTMENT OF EDUCATION AND DEPT OF ED XXXX TO CORRECT MY CREDIT REPORT AND SEND ME A LETTER STATING THE 8 LOANS WERE TRANSFERRED FROM " U.S DEPT OF ED '' TO " DEPT OF ED XXXX '' ON XX/XX/2012 NOT ONE OF THE 3 COMPANIES WILL CORRECT THIS ERROR. THE DEPARTMENT OF ED AND XXXX PUSH ME OFF TO THE OTHER COMPANY TO CORRECT AND EXQUIFAX DENIES THERE IS A PROBLEM. PLEASE HELP ME GET THIS RESOLVED. I DO HAVE {$57000.00} PLUS INTEREST IN LOANS THAT ARE DEFERRED UNDER DEPT OF ED XXXX. THAT IS ALL I OWE OUTSIDE OF A {$450.00} PERKINS LOAN. THE {$57000.00} IS COUNTING AGAINST MY DEBT TO INCOME RATIO. PLUS THE TRANSFERRED LOANS HAVE ADDITIONAL $ XXXX WORTH OF MONTHLY PAYMENTS TOTALING {$330.00} BEING LISTED AGAIN AND COUNTED IN MY DEBT TO INCOME RATIO ON MY CREDIT REPORT ALSO. PLEASE HAVE THE US DEPARTMENT OF EDUCATION 8 LINES CLEARED OF A MONTHLY PAYMENT AMOUNT AND REMOVE THE " DEFERRED '' STATUS. I CAN ONLY ASSUME IT SHOULD SHOW AS TRANSFERRED. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and Experian are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Credit card

I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The company replied back with the following information : Hi XXXX XXXX XXXX My name is XXXX XXXX and I am the supervisor with Denefits billing department and your case is escalated to me because of non payments for your contract with XXXX XXXX XXXX. and if I will not be able to settle this then it may be forwarded to the legal. I am ready to offer you a best possible discount and also ready to remove all Denefits payments from your Credit reports. Please reply me back. 
XXXX XXXX XXXX, your total balance remaining on this contract and which is on your Credit is {$2000.00}, however in this special offer we are ready to close this account if you pay {$1400.00} and we will remove this from your Credit as well. 

Please let me if you are interested to settle this or shall we mark this as a refusal to pay and forward this to legal? 

Attention : - Please let us know if you are interested in the settlement offer, Yes/ No? Or you want to say something regarding your overdue contract? In case we will not get any reply from yours end then we will be forced to forward your details for further collection activities as per the Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF XXXX Account number:XXXX  Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 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 in information is inaccurate.
Product: Credit reporting or other personal consumer reports

I got a letter from XXXX XXXX  saying I'm not responsible for a balance because of forgery. But now they're reporting three different amounts to three different credit bureaus. I only have one dispute with XXXX XXXX. Can you help me sort this out and tell me if I can take legal action?
Product: Debt collection

I've contacted Merchant Adjust numerous times told them my insurance company paid it. I gave them my insurance information and still on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Reporting XXXX XXXX XXXX XXXX XXXX Dear XXXX Representative, I am writing to formally dispute the information reported on my credit report regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. Please refer to the details of the disputed account below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The information being reported is inaccurate. This account has been paid in full and transferred to a new address. As such, I respectfully request that this account be removed from my credit report immediately, as it no longer reflects my current financial standing. 

To assist with your investigation, I have attached the following documents : A copy of the confirmation of payment and account closure from XXXX. 
Proof of the transfer to the new address. 
A copy of my identification ( drivers license or government-issued ID ).

A copy of a recent utility bill or another document to verify my current address.

Please review these documents and correct this error by deleting the inaccurate account from my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that the investigation and necessary updates to my credit report be completed within the legally allowed 30-day time frame.

I would appreciate receiving written confirmation once this matter has been resolved. Should you need any further information from me, feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I notice an unauthorized charge on my account for {$2600.00} on XX/XX/2019. I immediately put my card on hold and went to Bank of America located on XXXX XXXX and XXXX XXXX in XXXX, FL. The told me there was nothing they can do until the payment post, to not worry about it that I was 100 % protect and I would have my funds back in my account immediately. They have me a temporary card, but they cancelled the wrong card. Its been 16 days and I still have no ATM/ debit card to access my account, Ive had to transfer funds from one account to another which is very inconvenient. My ATM card has be flagged 3 times in the last 2 weeks where my purchases are declined. Last time being today at a XXXX gas station for {$2.00} yet they did not flag my account for or decline a transaction for {$2600.00}, are you kidding me? Claims department sent me a letter dated XX/XX/2019 that my dispute was being canceled at my request, this is false never cancelled this claim, on day later I get a letter dated XX/XX/2019 stating that theyre investigation has been completed and they are not refunding my funds, completed in less than a week from the date complaint was filed on XX/XX/2019 really? They investigated this claim in 3 days. I had the claim reinstated on XX/XX/2019 and fax documentation that this debt was sold to a collection agency prior to sprint making an unauthorized withdrawal from my account, for 70 % of the debt. This transaction should have been flag and declined by the bank, never had Ive made a transaction this big on my account.
Product: Credit card or prepaid card

After applying for a credit card with JPMorgan Chase, Chase decided to shut down all of my personal and business credit cards without notice. When I finally logged into my account, I saw that all of my credit cards were closed. I had been a customer with Chase for over 10 years now. I immediately called to ask why this had happened. I spoke with two customer service representatives and they both informed me that the reason was " I had opened too many credit cards in the past year. '' After explaining to them that I needed them to go on an oversees trip back home to XXXX, neither the customer service representatives budged on the issue and said that the shutdown was final. They mentioned that I was considered a " risk '' for defaulting with such a high credit limit even though I have a XXXX FICO credit score and have never missed a payment in my life. I eventually was able to convince one of the representatives to file a motion to reconsider. I was told I'd be notified via mail in 10 business days. Nothing happened and my account was not reinstated. I have attempted to try all reasonable avenues to resolve my problem and it seems that I'm at my wits end so the only recourse is the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX My loan was in forbearance at the time
Product: Debt collection

Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is reporting wrong information as it regards my payment history. but the credit company will not fix it. 
XXXX XXXX XXXX XXXX, XXXX was not late.
Product: Money transfer, virtual currency, or money service

I have been using XXXX for years now and before I have made complaints when money was sent and needed a cancellation but they could not do it, or if money was sent through XXXX to the wrong person and needed to be cancelled they said they could not even though it was almost right after the transaction was made it was reported
Product: Credit card

XX/XX/XXXX : requested balance transfer of {$3000.00} from Discover to XXXX XXXX. 

To this day, the balance has been on my Discover card has not been removed despite the balance transferring to XXXX XXXX. XXXX XXXX has confirmed multiple times that the money was sent to discover to the correct card number. Discover still has no record of the balance transfer. I have opened multiple cases with XXXX XXXX but now I believe it is Discover that is at fault. Discover cant locate the money sent to them and Im paying interest on BOTH credit cards. 

Email from XXXX XXXX XX/XX/XXXX : Our research was able to confirm the information provided to you was correct and the balance transfer was completed on XX/XX/XXXX, for {$3000.00} with the trace number XXXX, confirmation number XXXX. This Balance Transfer was completed by us, we are unable to act for the receiving financial institution. Please contact Discover if you have any additional questions or concerns with the receipt of the Balance Transfer and any interest assessed to your Discover account. 


XX/XX/XXXX : I spoke with a representative from XXXX XXXX today. They confirmed yet again that the money was wire transferred to Discover on XX/XX/XXXX, processed on XX/XX/XXXX at XXXX XXXX.
Product: Debt collection

This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but Portfolio recovery reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with Portfolio recovery also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that Equifax didn't respond to the 1st complaint that I filed. I want these inquiries to be removed to my credit report since I didn't authorized them.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

Over the past several months, I have had to regularly contact mr. cooper to fix their mistakes. mr. cooper claimed to send me correspondence that I never received and threatened to convert me to an escrow on two different occasions. mr cooper failed to get proper documentation from my previous loan servicer and made me provide additional information. I understand incompetence but it felt like a ploy to extract more money from me that I did not owe. 

Approximately a month later, mr cooper threatened to convert me to an escrow account again because I allegedly didn't pay a tax. My title insurance came back clean but mr cooper gave me short notice to resolve a rather complex issue. Multiple employees told me I should just pay the money that I did not owe, which feels shady and underhanded. After doing all the leg work and provided the documentation, I was told I would receive a call that everything was okay. I had to call them again. 

Finally, mr cooper regularly sends out marketing materials that state " Final Notice '' and make me feel on edge. This also feels dubious at best as they are trying to trick consumers into optional coverages and features, again in an attempt to extract more money that they are not owed. Additionally, I have allegedly opted out of their shady marketing campaigns and still receive them. 

I just feel like this is an underhanded company that is intentionally misleading and does NOT have the consumer 's best interest at heart. This is coming from someone who has never been late on a payment and always pays on the first of the month with XXXX.
Product: Mortgage

Quicken Loans, aka Rocket Mortgage refuses to follow the new law " Blue Water Navy Vietnam Veterans Act of 2019 '' They are requiring a 10 % down payment from us to approve our mortgage application for a home in XXXX XXXX, CA. The county conforming loan limit is {$510000.00}. They say we can not get a XXXX down VA mortgage above this limit. They stated that we must pay 10 % down payment on a VA loan if it is above that limit. We brought this law to their attention and they refuse to honor and follow the law. 

Because of the Blue Water Navy Vietnam Veterans Act of 2019, VA borrowers can add the ability to purchase above the county loan limit without needing a down payment. Starting XX/XX/XXXX, veterans with full VA loan entitlement can now borrow the full loan amount without needing to factor in a down payment. ( please note, this is not just for " Navy Vietnam Veterans ''. The act is for ALL veterans ). 

Reference is here from the VA : https : //www.benefits.va.gov/homeloans/documents/docs/bwn_faq.pdf. We draw your attention to the last bullet statement in the first FAQ that states : " A removal of the effective loan limits for VA-guaranteed loans, closed on or after XX/XX/XXXX. This may be especially of interest to Veterans seeking to obtain what are commonly referred to as jumbo loans, or to Veterans living in higher-cost markets, as VA borrowers with full-entitlement may now obtain no-down payment VA guaranteed home loans in all areas of the country, regardless of housing prices. ''
Product: Credit reporting or other personal consumer reports

I applied for a car with XXXX XXXX and the used my information with other companies, 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 card

A friend notified me about a XXXX point promotion for a Starwood 's XXXX credit card. I XXXX and it brought me to a page to sign up, mentioning the promotion. There was no clear indication about restrictions, and when I signed up, it never said I did not qualify for the promotion. After achieving the necessary spending, I did not receive the promotion points. I contacted XXXX and was sent a form letter denying my request with incorrect information, and with no phone number or address. I called XXXX and no one could provide me any contact information, so I now need to contact the CFPB I believe I am due XXXX points in the promotion. XXXX 's response is basically an unreachable black box, presumably to prevent customers from reaching them.
Product: Debt collection

I need to have my alleged debt with COMMONWEALTH FINANCIAL SYSTEMS addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.