23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have a total of 17 students loans from XXXX and XXXX school. 12 of the loans are currently Dept of Ed. loans, 1 of the loans is with XXXX and 4 of the loans are private. All but the XXXX loan are currently serviced by XXXX. 

I recently have been working to get my credit score up so I could refinance the 4 private loans. My reasons for wanting to refinance are to get a lower interest rate and to remove my mother as a cosigner. I also add that when I was XXXX-XXXX, these private loan companies had no issue lending me this money. 

I have been reaping these private loans since XX/XX/XXXX and been making consistent payments ( never missed a payment to my knowledge ) other than the three years I was in XXXX school and they were deferred. The balance of the private loans is currently approx. $ 35k with a weighted interest rate of apron 8 %. If I am able to refinance at 6 %, my payment will decrease by over {$250.00} a month in just interest. 

I submitted a refinance application with Sofi. I submitted all requested information including my XXXX tax return and my XX/XX/XXXX P & Ls along with bank statements for verification. I am being told that my averaged income for the two years is $ XXXX, which I do not have a problem with that number based on the averages. 

My issue is that they are telling me my income doesn't support a refinance and it is solely related to my income. I was told my payment history is fine and my credit score is fine. They can not lend to me solely based on my income. 

So my main question/complaint is : How can they lend to me at XXXX-XXXX with no income and no credit history, but when I apply for a refinance at XXXX, making the most money I have ever made and the best credit history I have ever had, they don't see me as credit worthy for the loan? Oh, and might I add, the payment that I have been making consistently since XX/XX/XXXX ( minus XXXX school years ), will reduce by over {$250.00} per month with this refinance. So they do not have faith that I will make a {$250.00} less per month payment than I am currently making now. The only sense that makes to me is they are losing interest by reducing the interest rate and they have no benefit to approving this refinance. 

So why not add a cosigner again you ask? well I tried that based on Sofi 's recommendation. To everyone 's surprise, she was denied? The same cosigner who was approved when I was XXXX-XXXX  with substantially the same credit score and income when I was XXXX-XXXX, is now all of a sudden denied when I am XXXX, making the most money of my career.

How can student loan companies loan money at high rates to XXXX-XXXX year olds trying to get an education and then refuse to refinance the same loans when those same students become adults and actually have income and credit?

How is this acceptable?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.
Product: Credit card or prepaid card

To whom it may concern : I have had a TD bank credit card since XXXX as I am told by them. I do not personally remember when I opened the account. It had a XXXX limit. I have been a member of TD bank and currently have other credit cards of theirs for years, since back when TD bank was XXXX XXXX. I have good credit and have never had delinquency issues with TD bank and have an excellent payment history. I had a credit card with them that I did not use for a period of time so I received a letter from TD bank in XX/XX/XXXX saying that if I did not use the card they would cancel the card on me. So since I did not want to lose this card I decided to start using it. I proceeded to use the card for 2 months charging over 800.00 on the card. The card was set to expire in XX/XX/XXXX and I thought I would get a new card in the mail since I proceeded to use the card and pay 2 monthly statements. I called up TD Bank and asked them when I would receive my next card. TD bank told me that they canceled the card and would NOT send me a new card due to inactivity. 
I told them I was using it and they knew I was using it! They still said that since it wasn't used for a period of time they were canceling it on me. My question is why did they send me the notice letter if they were cancelling me anyway!!? I felt robbed out of XXXX because I would not have used it but for the notice letter I received. But it isn't about the money but the fact that they canceled my credit card period, my revolving line of credit. TD told me I could reapply if I wanted to, knowing that that would cause a pull on my credit just so they could deny me or give me a lower limit! I feel robbed because I did what I was supposed to by using the card and paying 2 month 's statements.They should have done what they said and allowed me to keep the card open. I also called TD later to ask them to withdraw my wife as an authorized user and they told me I couldn't because the card was in canceled status. I lost my points also on anything that I bought. This is not right and I am formally requesting a complaint against TD credit card services and bank. I want my credit card opened up again, not only for use if needed but also so I can remove my wife from the account, so she isn't strapped down with debt that is mine.
Product: Credit reporting or other personal consumer reports

Everything that I have disputed on my credit report has came back updated and Experian has listed itself as the source. There was no investigation done to properly verify. I listed 15 U.S. Code 6802 No financial institution can share your non public information with a third party entity. The credit bureaus are a third party entity. 
Debt Collectors are 3rd party entities.
Product: Debt collection

I am a, victim of the XXXX XXXX XXXX and I am filing this FTC Identity Theft Affidavit to report and request removal and blocking of a fraudulent collections account from TOYOTA MTR under account XXXX appearing on my consumer FICO credit report which I do not recognize which are the result of the XXXX XXXX XXXX. I demand the mentioned fraudulent items be blocked and removed from each of my consumer credit reports with in 4 days pursuant to FCRA 605B15 U.S.C 1681c-2 and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of all fraudulent, inaccurate, and outdated information and inquiries from my credit reports with Experian, XXXX, and XXXX. Upon reviewing my credit reports, I have identified multiple entries that are negatively impacting my creditworthiness and financial health. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and seek its prompt removal. The discrepancies and fraudulent activities identified on my credit reports include : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To substantiate my claims, I have attached copies of the following documentation : 1. FTC Identity Theft Report 2. Proof of my identity, including a copy of passport and social security card. 
Despite my repeated efforts to resolve these issues directly with the credit reporting agencies and the data furnishers, the inaccuracies persist. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit reports. 

I would appreciate a swift resolution to this matter and request written confirmation once the corrections have been made. 

Thank you for your prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to demand the immediate blocking and permanent deletion of all fraudulent accounts and inquiries appearing on my credit report. As a victim of the XXXX data breach, your failure to safeguard consumer data has directly led to the misuse of my personal information. I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and insist that you take swift and decisive action to address this matter. 
The fraudulent entries I have identified are as follows : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX DOB : XX/XX/XXXXXXXX  Enclosures ID Proof of Address SSC FTC
Product: Credit card or prepaid card

i openned an account at american express serve prepaid card adn had no activity and on XX/XX/2022 had a direct deposit of XXXX and recieved an email stating due to activity my account was closed because i violated customer agreement with activity date available was XX/XX/XXXX customer service phone number XXXX Transaction ID XXXX serve account card number XXXX XXXX XXXX i have been unable to resolve this with american express serve and feel that i was robbed and american express serve refuses to return my money after several attempts to reach customer service american express serve stated if i wanted to file a letter of indemity i can file a claim. i feel i shouldnt have to file a letter of indemity and simply get a check mailed to my home address mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX
Product: Credit card

Target Red Card late fees are inconsistent. They usually charge a late fee equivalent to your minimum required payment. I hold a balance high limit of {$200.00}. My minimum payments range from {$29.00} to {$41.00}. I have had the following late fees charged : XX/XX/XXXX {$30.00}, XX/XX/XXXX {$41.00}, XX/XX/XXXX {$30.00} ( Refunded ), XX/XX/XXXX {$34.00}, XX/XX/XXXX {$30.00}. I find their late fee practice inconsistent and abusive. It usually as it usually means that on average its 20 % late fee. I don't object to a late fee if I'm late, just something reasonable. I have as of my last statement moved the due date on this card from the XXXX of the month to the XXXX. Going forward it will be more in alignment with my income and I have recently paid off ALL of my revolving debt leaving only small balances from Christmas purchases in which I took advantage of credit card perks to make the purchases and liquidate those small balances in XXXX.
Product: Credit card

I have been a Kohls credit card holder for over a decade. This was a card that only worked in Kohls stores. Without prompting Kohls sent me a Kohls XXXX that works like a regular XXXX card through XXXX XXXX. I did not request a new account or a Kohls XXXX. I have attempted to cancel it twice but I recently received a statement in the mail. The customer service representatives that I contacted both times were not native XXXX speakers. I dont know if they misunderstood my request to cancel my Kohls account, but as I said I am still getting statements. I do not want the opening and now closing to affect my credit rating. As I said I never asked for the Kohls XXXX and I asked to even close my Kohls store credit card. I no longer want any credit cards from Kohls.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 CREDIT BUREAU 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 60 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

Robo-signing is illegal and has been outlawed in the State of New York. I have discovered the Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 

Fay Servicing is trying to unlawfully claim ownership of the mortgage using a robo-signed Assignment of Mortgage. 

On XXXX XXXX, 2007 XXXX XXXX was [ n ] ot an employee ( Vice President ) XXXX on that date. XXXX XXXX was also showing to be an employee ( Vice President ) of XXXX Bank, XXXX on XX/XX/XXXX, 2007.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { Account number : XXXX Creditors name : XXXX XXXX XXXX XXXX due to inaccurate information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. Experian violate my rights as a consumer, as well as feder laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in National Emergency Forbearance Act and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX
Product: Credit card

XXXX. I booked a hotel room for the night of XX/XX/XXXX on XX/XX/XXXX at XXXX XXXX in XXXX. The cancelation policy was clearly listed on website as Deposits are refundable up to XXXX days prior to arrival. I was billed {$310.00} on my Goldman Sachs/Apple credit card XXXX 
XXXX. I first tried to cancel this room on XX/XX/XXXX and got no response. I have copy of email I sent the hotel. I did not get a response XXXX. I tried again on XX/XX/XXXX. I then forgot about it until XXXX when on XX/XX/XXXX I sent another email to the hotel I finally got a response and had a series of email exchanges with the hotel. They offered a variety of reasons why they could not cancel the room despite their stated policy. I have these emails XXXX. On XX/XX/XXXX ( still 7 days before when I was to arrive at the hotel ) I filed a dispute with GoldmanSachs and provided them with all the documentation. This dispute was denied in XXXX. I contested the decision immediately. Please see the uploaded file XXXX. Today I was told by GoldmanSachs that my dispute was denied but they provided no information as to why it was not resolved in my favor. They did this silently and made no attempt to contact me.
Product: Mortgage

On XX/XX/XXXX, we paid off our mortgage to Rushmore Loan Management Services for the amount of {$190000.00}. 

After a month, we had not received the Release of Mortgage/Lien on the property. We call XXXX on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Each phone call was a lengthy process of being passed from one customer service rep to another and many times even advancing to supervisors. Each time, we were told it was under review and being sent. 

On XX/XX/XXXX, we received a notice of transmittal of release of mortgage along with the copy of the release and that the original was sent to our local county recording clerk. This submittal to our clerk would release the lien on our property, thus allowing us to make financial steps and decisions with estate planning, equity, etc. 

After calling our county clerk recorder, they stated they never received the release and we provided them with our copy, but they stated that they must have the " original '' on file. 

We contacted XXXX on XX/XX/XXXX and they stated that we had to request " in writing '' for them to resubmit this document of release of mortgage to our county recorder. 

We contacted our attorney and he submitted this written request on XX/XX/XXXX on our behalf. On XX/XX/XXXX, we contacted XXXX and they agreed that they had received the written request and would act accordingly. 

On XX/XX/XXXX, we contacted XXXX again, because our county clerk still had not received the original document. 

On XX/XX/XXXX we received a letter from XXXX dated XX/XX/XXXX that they received our written request. On XX/XX/XXXX we received a letter dated XX/XX/XXXX stating they they were enclosing a copy for us of our Release of Mortgage. They did not state that they would send it to our county clerk even though we gave all contact information to them in our attorney 's letter. They just sent us another copy. So, our written request was essentially denied and the lien release was not sent to our county clerk recorder. 

On XX/XX/XXXX, we contacted XXXX again and again moved up the chain of representatives to a supervisor and we were told, it was sent on XX/XX/XXXX. 

On XX/XX/XXXX we called again and then another manager representative told us it was NOT sent and that their " loan vendor '' was being contact to get another copy sent. During this conversation with the supervising manager, he did state that XXXX did violate the Kentucky Resident 30 day policy on releasing mortgages. 

So, as of today, XX/XX/XXXX, we are over 4 months in waiting for our mortgage lien to be released from XXXX. Numerous attempts have been made by us. We never failed to pay our monthly installments. And, now that we have paid off the debt, we can not get the mortgage company to release the lien. 

As stated, we are in a financial limbo. XXXX has violated their 30 day policy with us. We can not get answers. We can not get the release sent. 

We are asking help from the CFPB to contact Rushmore Loan Management Services to expedite the release of our mortgage that was done over 4 months ago in XXXX of XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the XXXX data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 Ihave signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXX/XX/XXXX ; XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid my Home Depot credit card on XX/XX/24, in the amount of {$220.00}. The minimum was {$210.00}, and it was due by XX/XX/24. I am now being charged late fees, and my card is now listed as over the limit because they claim I did not make a payment at all. 

I successfully completed the payment process, authorized the payment to be processed, got the " thank you for your payment screen '' but they claim I never made the payment and am now overdrawn. The XXXXbased call center employee said it could be due to a processing error on their end, but how is that my problem? I made the payment, but I'm being punished because their equipment is shoddy/inefficient? It doesn't work like that for anyone else, so why are they allowed to operate like that? 

This is not the first time Home Depot/Citi have played games with my account or payment - one other time last year they forced me to make two payments because the first one didn't go through on their end. They also frequently change my APR - I have never once been charged the same interest rate- it's as if they spin a wheel and whatever number it lands on is what I get charged. This company is reckless and irresponsible with its customer 's financial information. 

I am sick and tired of their lack of accountability and the financial strain they're putting on their customers as a result.