23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My son enrolled at XXXX. XXXX conn. Financial aid applied my sons name to the " student loan " portion of the loan at the cost of approximately 20,000.00 $ Financial department then applied my name, ( mom ) to what they called co- signer on " parent plus '' loan for balance of tuition, at the cost of approximately 38 -? Thousand dollars. Through the course of the next 18 months we had to reapply 3-4 times?? Very confusing. All parent and students had to do this. My son graduated and entire loan in a lump sum is in my name only? XXXX $ a month? My son could not afford that amount on his entry level salary of XXXX an hour. My son just passed away XX/XX/2017. I would like to know what legal options I have?
Product: Credit reporting or other personal consumer reports

XXXX XXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX On my Experian credit report should not be there. I have never owned or been affiliated with these accounts they are alleging. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Product: Checking or savings account

I received a text message stating that Commerce Alerts : You will receive no further messages. Call XXXX for more information. I Immediately called the number and was informed that my account was closed due to no activity on the account for more than 30 day with a XXXX balance. I was aware that I didnt have any activity on the account for a few months but didnt realize that my balance was at XXXX  and was in jeapordy of closing. If I would have received corresponding making me aware that my account was going to close I would have made the neccessqry steps to mainting the account in an active status. The supervisor I spoke with informed me that they dont send out any notices its on the terms and conditions when opening the account but it doesnt sound reasonable. I have had this account since XX/XX/2009 going on 10 years and opening up a new account with new banking information is frustrating. I just want to make to see if this is logical or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item on my Equifax credit report several times. It is a fraud account for XXXX XXXX XXXX for an address i never lived at. I have faxed to Equifax the FTC report along with my Id 3 times in the last month and they always advise the pages are blank. XXXX XXXX account has been removed from XXXX  and XXXX but Equifax still has it listed. I have called Equifax and XXXX XXXX XXXX  several times in the last 4 months and nothing has got done about deleting the file from my report. The account was opened XX/XX/2018 and has a balance of {$350.00} due. My address is XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX where i have lived for over 20 years, the address that is on file for the XXXX  XXXX is XXXX XXXX XXXX XXXX Va XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX  % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681-2 ( 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: Credit reporting or other personal consumer reports

I never authorized the inquiries your company has placed on my credit report
Product: Credit card or prepaid card

XXXX XXXX  was deceptive in offering promotional payment plans. They marketed the plan as the bank will calculate the minimum payment each month to pay off the balance prior to the due date. The automatic payments were made for 17 months. In the end, the payments were reduced by the bank to leave a small balance and move these charges to the higher interest rate. The next payment was not applied to the balance with the higher interest rate. The payment was applied to balances with lower interest rate. 

The Bank and XXXX XXXX were very deceptive to lure the customers into thinking the bank calculated the payment amount to avoid higher interest rates. The ultimate goal of the back was to push balances to a higher rate and make it difficult for the customer to avoid interest charges.
Product: Mortgage

Hello CFPB, My name is XXXX XXXX On XX/XX/2015 I purchased a single-family two-story house at XXXX XXXX XXXX in the city of XXXX. 
Before purchasing this house I was going to buy a house in XXXX XXXX but I was told by the XXXX XXXX XXXX agent XXXX XXXX, the XXXX XXXX XXXX XXXX and there was a huge sign on the property when I saw the house, XXXX XXXX a representative with Wells Fargo, XXXX XXXX XXXX a representative with the Housing Authority of the City of XXXX, that the property had a 10-year tax abatement. This was one of the main incentive that led me to purchase this property. 
I moved in paid my mortgage {$390.00} on time for a year. I started getting statements from the bank saying my mortgage went from XXXX to {$1200.00}. My neighbor and I went to the City of XXXX Treasurer Department. We met with the Assistant Tax Supervisor, XXXX XXXX, she told us there was no 10-year tax abatement for our property. She also said the proper paper work was not file within the 180 days. All the agencies involved are playing the blame game. I believe they all knew and they withheld this information from us. 
The bank set my loan up incorrectly, the account did not set up an escrow for taxes as you can see below therefore it cause me to go into foreclosure. At the closing on XX/XX/2015 the XXXX XXXX XXXX XXXX did not tell me there was not a 10-year tax  abatement. 
The bank did not do its due diligence they did not consider Regulations Y and Regulation Z when setting up my account which caused me to go into foreclosure. I sent payments to Wells Fargo and they returned the money in a check and a letter telling me they had to report this as income to the IRA. I thought when I signed the Settlement Statement ( Hud-1 ) it was a legal document that must be followed and upheld. I thought it was a contract. In that contract it had, No Tax Proration Applicable Currently tax exempt Property Im confused because according to this contract Wells Fargo has breached this contract. Based on the words in this contract why would they change my payment from XXXX to XXXX then to XXXX to XXXX I dont understand what they done but I dont think it was right. 
I would like for someone to help me because this is just unethical Behavior, all these agency just lied to us. I feel they set us up for failure. I remember a couple years ago when the banks had financial problems the government bailed them out, what about the common people like my neighbors and I. Who's going to bail us out? This is not fair that they continue to do predatory lending taking advantage of people and no one stops them. This is illegal what they have done to us. This situation just ruined our lives, and credit whos going to bail us out? Who's going to assist us? My neighbors and I are low to moderate income, we believed our house was a blessing and we wanted the American dream to become a Homeowner not to be facing homeless. 
Sincerely, XXXX
Product: Credit card

I filed a disputed charge with PayPal on or about XX/XX/year>. They took proper action with the dispute, closed my account and opened a new one. The customer service representative stated that I had to log out of my account then log back in. The next day I got a notification from PayPal saying that my account was restricted. I had to confirm my identity using a text notification and change my password which I complied with. A few days later, I realized that the charge that I thought was fraudulent was a real charge. The vendor pre-authorize the charge but did not collect it in time. Then the vendor then rebuild it over a month later making it appear as not a legitimate charge. I tried to contact PayPal three times only to be hung up on by their customer service department. I confirmed in the app that the charge was legitimate and to reverse the dispute. Then on XX/XX/year>, I got a notification that my account was restricted again asking me to provide credit card statements from another credit card or to confirm the card using their system, verify my identity again and change my password again. When I reached out to them to let them know I tired to verify my card using their system, it did not work and then demanded I provide a copy of my statement which I do not feel is appropriate specially since I verified my identity using their notification system as well as provided my photo id in addition to doing a selfie which was deemed appropriate and changed my password again. The way my account is set up is that my account is linked to my XXXX XXXX  which means that no one else can get into the account. Then on XX/XX/year> at XXXX pm, after completing my identity verification using their text system and changing my password, I got an email notification saying my account has been restored. When i log back into my account the restriction was still on my account as they still want to see my credit card statement. This is confusing with the constant contradictions I receive and a customer service department that is not helpful. 

Their current practices of what appears to be an endless verification process, overly complex and abusive to the consumer even though there are adequate controls in place to address my identity.
Product: Credit card or prepaid card

Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.
Product: Mortgage

Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount.
Product: Debt collection

On XXXX XXXX 2015 a complaint was lodged with your agency in regards to misrepresentation of a debt I dispute and do not owe. Signature Performance Tiburon LLC was notified in Case Number : XXXX that I do not owe a debt to XXXX XXXX XXXX and that I am a Social Security recipient who is 'judgment ' proof. Signature Performance Tiburon LLC, acknowledged my request for 'cease ' communication in a response notice # : XXXX and assured me they would no longer 'harass ' me in regards to the disputed debt. On XXXX XXXX 2015 I received the same formatted letter from Signature Performance Tiburon, LLC dated XXXX XXXX 2015 referencing the same entity XXXX XXXX XXXX claiming a balance of {$20.00} dollars. Signature Performance Tiburon, LLC has left me no choice but to provide the Nebraska Attorney General 's Consumer Protection Division documentation of verification that they would no longer contact me or bother me about this issue as documented in CFPB Case Number : XXXX. Due to the response by Signature Performance Tiburon, LLC verifying their promise to leave me alone, I will be able to access monetary damages and pursue legal action against them as I will be able to prove an administrative process related to the case. Signature Performance Tiburon, LLC was sent a 'certified return receipt ' letter in reference to this matter as well. I have the actual receipt and proof of notice. It appears Signature Performance Tiburon, LLC does not believe I will pursue my civil legal rights to peaceful enjoyment of my home and phone. I can assure you I mean what I say as I have built a dossier against Signature Performance ( and XXXX XXXX XXXX ) as proof positive documentation ( and evidence ) to solidify my mission. Again, thank you CFPB for being a venue of valid documentation and evidentiary venue.
Product: Credit card or prepaid card

Cash app closed my account on XXXXwhen I asked them why did they close my account they said I violated the terms and conditions I have asked them several times what term and condition did I violate but I have gotten no reposnse. I have appealed the decision and still no response. Cash app will not allow me to start a new account due to this issue and I do not understand what I supposedly have done.
Product: Debt collection

In my credit report is shows I owe XXXX XXXX XXXX {$4100.00} for XXXX XXXX XXXX XXXX  that I have never gone to. I called Grant & Weber Arizona In and spoke to XXXX. XXXX informed me that I owe this due to an XXXX XXXX. I informed her I have not been to XXXX XXXX for an XXXX XXXX XXXX XXXX and I actually live in XXXX XXXX which would not make sense. After other verifications, it was verified that this debt is not my debt. I asked if she could give me more information or send me correspondence regarding this debt but she declined stating due to HIPAA Law she can not disclose any further info. She stated for me to do a request with consumer affairs. I believe this is not correct and has affected my credit dramatically due to it being in collections. I would like for this to be resolved as this is inaccuate reporting and I have never used this service with the XXXX. The debt collector informed me her name is XXXX and her phone number is XXXX ext XXXX. She stated if they reach out to her she will confirm what I stated.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XXXX # XXXX was reported on Identity theft report on XX/XX/year>. FTC # XXXX I am writing to request a detailed description of the investigation process followed by your agency Transunion regarding the disputed account on my credit report. 

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXXXXXX Provide the description of the procedure of the re-investigation used to verify this account if you can't delete this account immediately. Attached is my Identity Verification, which is legible.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX open XXXX {$650.00}, XXXX XXXX open XXXX {$1000.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over a new Identity Theft Report # XXXX. Ive already included this issue in a previous complaint & I am including it again here. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : Experian XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.