23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I 'm a Navient customer. I submitted a request to defer my loan because I have a student in school. I waited for about 60 days and never received a response from them. I contacted them and was told they thought I was applying for a deferment for a different loan, although they have different numbers. I was told that I do n't qualify for deferment but I can request a forbearance. I told them I was n't interested in that and I would call if I need it. They sent me the form in the mail anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ABOUT : XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX I have tried multiple times to address my credit score and my credit report with Equifax customer service and CEO, XXXX XXXX. Things got better but then declined again. This time my score went up XXXX points and then with no alert to me went down XXXX points ... the report is attached with this. I am SO tired of dealing with XXXX XXXX 's stupidity! I wouldn't mind but I have addressed these issues multiple times. Even sometnhing as simple as changing my address was done incorrectly several times, and I wrote and sent it correctly several times!! 

There are also statements, that my oldest credit account is too new, which is incorrect and which I already addressed to no avail. 

NO ONE should have to go through the effort I have gone through ... and as well when directly addressing a CEO. 

I need credit statements corrected as detailed in my letters, and my credit score raised again XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XX/XX/XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.
Product: Credit reporting or other personal consumer reports

There is a collection on my report that is inaccurate. This collection is from XXXX XXXX XXXX.
Product: Mortgage

Greetings, Mr Cooper does not provide a phone number to communicate with customer service. We received a notice from our local tax authority stating that our local taxes which are typically paid through our escrow account with mr cooper, were not paid in 2022. Since there is no way to connect to mr cooper live personnel I had to search for an email to address this issue. I emailed them requesting confirmation, proof, or a means to assist with this issue. Since this is a time sensitive issue ( we are charged interest on unpaid tax bill ), I needed this to be resolved quickly. My wife sent a follow up email 3 days ago looking for assistance again. 
As of today, Mr cooper has not responded to our email which was sent over 15 days ago. Mr.Cooper is the worst mortgage company weve ever had due to not providing any direct customer service or means of communication when an urgent issue arises. This is unnacceptable in every way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card is reporting an inquiry on my credit report. I did not approve of this. I am not very happy. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY INFORMATION ON YOUR SYSTEM, AND PLEASE MAKE IS ACCURATE, ALL THE NEEDED DOCUEMNTS ARE ATTATCH BELOW, PLEASE. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILED TO REMOVE 4 HARD INQUIRIES, CAPITAL ONE DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  opened XX/XX/year>. XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It say XXXX XXXX I made a new credit account with XXXXXXXX XXXX XXXX which caused a hard inquiry also XXXX XXXX it's says I started a bank with XXXX  that I have no knowledge of.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety
Product: Consumer Loan

I have an auto loan with Ally Financial and I got behind on my payment, but never by more that 30-days, but still outside of the 15-day grace period. Most months I receive automatic calls from Ally regard my account, but no one is on the phone when I pickup. I complained about this issue for several months. However, each time I inform Ally collections or customer service staff of the problem and tell them to notate my account with the fact that I have made this compliant, the next time I call no note is added to my account and nothing is done. I asked the customer service person that took my last complaint on XXXX XXXX, 2016 at XXXX what would be done regarding this complaint. She stated that she would just note it in my account. I asked to speak with the manager and XXXX, manager of collections, stated that this is what happens when the automatic caller calls someone. I asked what would be done to ensure that when the automatic caller calls a borrowers there is someone there to respond. XXXX, manager of collections, simple stated that he would note the account, he did not seem to care. Finally after I pressed him about the issue he stated that he would notify the automatic dialer team. This is my fifth month calling regarding this issue and I have yet to hear of a resolution.
Product: Payday loan, title loan, or personal loan

I applied for a loan with Titlemax, and at the time I applied for the loan they had explained that the interest rate would be 18.5 % and if i paid off the loan with a year the interest rate would remain the same, but it was all explained in the paper work that they were suppose to email to me that had been done on the computer at the office. 
None of this was true, I have never received the paper work from them and the only way I found out that the interest rate was completely different was when I had been late and had to renew the contract after being harassed on a daily basis day and night with threats constantly. I saw that the interest rate was well over what the person had said, over 100 % more. 
I have called them several times to discuss the account and all I get is a run a round, about the contract, the interest rate, and the initial contract and paperwork. I feel this was a deliberate case of bate and switch, an it caused me to dig deeper into there practices and I found that they have been fined XXXX XXXX dollars, XXXX to military families and XXXX to consumers. 
They deliberately lie to consumers and take advantage of the consumers, they need to be shut down for good or make sure that the are using the fair lending guidelines.
Product: Credit card or prepaid card

In XX/XX/2022, I received a balance transfer offer from Chase card services for my Amazon Visa. I called to ask questions about the program, the biggest of which was " Can I still use the card and avoid any interest or fees on my new charges? '' I was told yes - as long as I pay the full amount I charged that month and the minimum payment due, it would be my " interest saving balance '' payment. So I decided to proceed. I had to listen to a whole recording, which confused me, so I asked it AGAIN, and was assured I would incur NO interest or fees on new charges as long as I paid as described, so I proceed with the balance transfer. 

I then get my first bill since the transfer in XX/XX/2022 and even call to confirm I am paying the correct amount to ensure no interest or fees. I pay MORE than that amount... and then my statement in XX/XX/2022 shows INTEREST. I immediately call and am told I was never told that. I ask them to pull the recorded calls - I am told she can not do that. I ask that this be looked into, as I was told multiple times between two separate calls : NO INTEREST on new charges!!!!! I received a letter a week later that the fine print said otherwise - no look back on THEIR employees calls and statements or how I was mislead. NO apology. NO help. BEWARE as they don't stand behind their words or their employees.
Product: Credit card or prepaid card

I have attempted and exhausted countless efforts to resolve this matter both directly with the hotel ( in XXXX XXXX AND with American Express, the credit card company who processed the {$2600.00} charge on XX/XX/2020. Both are refusing to refund any of the funds. American Express simply says, I am providing insufficient evidence for the refund and places no weight into my primary allegation that the hotel mislead me ( bait and switched ) into a reservation that was no where near what it was advertised. For the record, immediately after making the reservation, online, I contacted the hotel who said they would cancel the reservation ( copy of email if needed ). However, after receiving my American Express statement, I noticed the charge had not been reversed. When I contacted the hotel, they said the reservation was 100 % non-refundable, despite the false advertising!!?? I tired to dispute the charge with American Express, but no success there either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, my Experian credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account ( 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 a account without my written instructions
Product: Mortgage

My husband and I refinanced our VA loan and closed with Village Capital and Investments LLC. on XX/XX/2020. On XX/XX/2020 we were told by Village Capital that they had sent the payout in the form of a wire transfer. However, my husband received a call from our then mortgage company XXXX XXXX XXXX XXXX XXXX on XXXX XXXX stating that they had not received the wire transfer to fulfill the payout and that we were subject to default if the transfer was not received by XXXX XX/XX/2020. As I understood it, a wire transfer should not have taken any longer than 5-7 business days after closing. The proceeds from the payout/wire transfer were not received from Village Capital to XXXX XXXX until XXXX XX/XX/2020. We followed up with Village Capital in an attempt to get a status of the transfer numerous times following the call from XXXX XXXX advising us of default but was either ignored or provided false information that essentially cost us 10 days of accrued interest in addition to the default of our loan due to the transfer being received after the XXXX XXXX deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX XXXX through SANTANDER CONSUMER USAI have had several issues since I financed this vehicle with the dealership and SANTANDER CONSUMER USA. I have noticed a change in my APR without my authorization that was done by SANTANDER CONSUMER USA. I have requested the ORIGINAL LOAN APPLICATION and was told that it is against the companys policy to provide me with this document. I was told by XXXX employee ID XXXX that I have to get a court subpoena in order to obtain this document. I also was told a month ago that I needed to make 5 payments in order to be eligible for a deferment and when I called today XX/XX/XXXX to request a deferment XXXX employee ID # XXXX told me that I need to make XXXX payments in order to be eligible for a payment deferment. I asked for written proof of that policy and he told me that I need to get a court subpoena to obtain this document. He was very rude and spoke down on my intelligence of my ability to understand my contract.
Product: Mortgage

On XXXX XXXX, XXXX, my fiance and I entered into an agreement with XXXX XXXX of XXXX XXXX to purchase a condominium in the property located at XXXX XXXX XXXX XXXX, Delaware. The initial hold deposit of {$100.00} was paid at that time. A few days later we were to return with a deposit of {$500.00}, as well as a 50 % deposit on the upgrades ( {$4200.00} for wall paint colors, carpet and certain hardwood flooring, appliance colors, and backsplash in the kitchen ). The upgrades were to be made once the financing was approved. 
By XXXX XXXX, the {$4200.00} check had been cashed/deposited, and the upgrades began. 
On XXXX XXXX, we received the first mortgage denial letter from PNC. The reason stated was that the application was incomplete. All of the documents that the PNC Loan Officer- XXXX XXXX requested were delivered promptly within two or three days. He said everything would be fine. According to the contract, the seller, and the Loan Officer ( LO ), we were due to move into our unit by XXXX XXXX, XXXX. On XXXX XXXX, we were asked by the LO to come up with an additional {$3800.00} to close. Against better judgement, we were came up with the additional money ; only to find out we did NOT have a mortgage approval-and never did. According to information discovered much later, the application was never even reviewed by a PNC Underwriter. 
Our money has been used for upgrades to a unit we will not be approved or allowed to occupy and it seems no one is willing or offering to refund our money. 
Meanwhile, while we were expecting to be out of our current apartment and had given proper notice ; we had to agree to the additional costs ( {$100.00} more per month for 5 months-XXXX through XXXX ) of maintaining a month-to-month lease, while this matter dragged on and on and on. It was during that time after creating this fiasco, XXXX XXXX stopped taking our calls and responding to our messages. XXXX XXXX, knowing XXXX XXXX had conducted his business in the same manner with at least one other prospective buyer, introduced us to another Loan Officer with PNC, XXXX XXXX ( XXXX XXXX XXXX Mortgage Loan Officer PNC Mortgage, a division of PNC, N.A. 
XXXX XXXX XXXX Local Office : XXXX XXXX XXXX XXXX, DE XXXX PNC Financial Services Group XXXX, PA XXXX ( p ) XXXX ( fax ) XXXX XXXXXXXXXXXX ) After several conversations and meeting in person with XXXX XXXX we showed him the message from XXXX XXXX telling us to " disregard the denial letter, WE WERE APPROVED ''. XXXX XXXX then said he would take this to his boss, XXXX XXXX XXXX, ( XXXX ) and he was sure PNC would refund our money. His subsequent message was that they were shocked when that did n't happen. We were finally forced to renew our lease for another full year at our current residence.
Product: Student loan

I sent out a Debt validation letter to my student loan holder. I sent out my debt validation letter on XX/XX/XXXX, XXXX.I never received a letter back its been 90 days. This debt does not belong to me, so it should not be on my credit report. I have 6 loans on my account each with different amounts the amounts are {$3200.00}, {$1900.00}, {$1900.00}, {$3600.00}, {$790.00}, and {$140.00}. I have no acknowledgment of these accounts. I have reached out to each credit bureau XXXX, XXXX, and XXXX. I reached out to each credit bureau on XX/XX/year>. I also sent the 3 credit bureaus debit validation letters on XX/XX/year>.
Product: Debt collection

I was having financial hardship last year and called prior to the loan going into default. I was dealing with an abusive ex threatening to take my son so I had to get a lawyer. Told them all this and the gentleman I talked to at the time said I could miss two payments and for a one time thing they could add those two payments to the end of the loan. So I elected to do so. Now I keep getting phone calls saying I have missed payments. The loan is autodebited every two weeks when I get paid. When I called to resume payments, it has been autodebited since without fail. I have spoken with them numerous times to stop calling me and telling them what I was previously told. Every phone call Im on says Im being recorded. I told them to go back and listen to that conversation to hear what I was told. They conveniently dont have it. Said I was told incorrect information and theyre sorry but I need to catch it up. Im a XXXX  mom to a XXXX. One income. No child support and no state help. I work my behind off to make sure I have enough money. Above lending doesnt care in the least bit. The loan is a {$17000.00} loan that will cost me {$33000.00} to pay off. I was falsely led to take the loan saying it was a graduation loan from a company to help fix my credit. It made my credit way worse and it costing me twice what I owed. I feel like all kinds of wrong has happened. Theyre also saying I owe for three payments and not two. Totaling over {$600.00}.
Product: Credit reporting or other personal consumer reports

I filed a complaint about some fraudulent accounts on the XXXXXXXX XXXX XXXXXXXX, but it was never processed. I dont know why.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no idea about them, and the company did this without my agreement.
Product: Credit reporting or other personal consumer reports

My Equifax credit report reflects late payment remarks that I strongly believe are inaccurate. These incorrect records are negatively impacting my financial standing and must be corrected immediately. The disputed accounts are XXXX ( Account # : XXXX ), XXXX XXXX ( Account # : XXXX ), and XXXX  ( Account # : XXXX ). These inaccuracies raise serious concerns about the reliability of Equifaxs reporting practices. Other major credit bureaus have already removed or corrected similar accounts due to the lack of verifiable proof, making it unacceptable for Equifax to continue reporting this misleading information. As mandated by the Fair Credit Reporting Act ( FCRA ), Equifax must conduct a thorough reinvestigation and provide verifiable documentation proving the legitimacy of these late payment notations. If no such proofincluding original creditor records with a wet signaturecan be produced, I expect these late payments to be removed immediately. I demand full compliance with federal law and expect a prompt resolution.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Debt collection

On XX/XX/18 I looked at my credit report and saw that there was a delinquent account added by American Revenue Management ( XXXX ) XXXX-XXXX for {$4200.00} that was openned XX/XX/18. I called the number and the person on the phone read letters that were supposedly sent to me but I never received. None of these letters stated my right to dispute this debt that was placed on my report. This is a violation of the fair credit act. This is not my debt. I demanded they remove it from my credit and they refused.