23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Today, I have received a rejection letter from XXXX XXXX XXXX XXXX, stating that I was denied a loan for the amount of {$26000.00}. As I was told by XXXX, XXXX of the prerequisites was to have a minimum score of XXXX. I did my research on RefiJet before I even gave them my consent to verify my information using my XXXX and XXXX credit reports. I feel like I've been bamboozled. With the rejection letter, XXXX XXXX XXXX XXXX did not use XXXX nor XXXX, only XXXX. I have the documentation to prove my claim. Just for the record, all information is recorded, as I was told countless times by RefiJet agents. Again, the only thing I needed was a XXXX XXXX XXXX. XXXX assured me that my application will go through without a problem. It was until XXXX and other agents got involved and ruined the entire application process. This evening, I connected with a RefiJet agent named XXXX, who was not sympathetic nor did she address any of my concerns regarding my application. I was not pleased with any response that was given. I explicitly stated on call that I will be contacting the CFPB about RefiJet misusing my information to unknown sources without my knowledge/permission. I have unfreezed both my XXXX and XXXX credit reports because of what XXXX and XXXX asked me to do. I was transparent about my goal as a consumer and they were retrieving all the pertinent information that I've provided them in the chat through a third party software that is often used by them. I want to stress this... I did not give RefiJet consent to use my XXXX credit report and share it to third party lenders. It wasn't until today that I received the rejection letter stating that XXXX nor XXXX was used on the application. I'm wondering if those reviews about RefiJet are legitimate. But that is besides the point. I am opening a claim for CFPB to investigate RefiJet and their unethical business practices. I will also dispute this hard inquiry with XXXX. I did not give them my permission to use XXXX for the hard inquiry, only XXXX and XXXX.
Product: Mortgage

Customer Financial Protection Bureau We are reaching out to you as our last resort in hopes that you can help us with an urgent matter in order to move forward with our plans. 
We have been trying to get our homes title clean since XX/XX/XXXX ). We have been calling every bank and every number that has been provided to us, only to get nowhere. No one seems to be able to provide us with any information. We are trying to refinance our property but the property has a lien that shows the second mortgage that was included in the XX/XX/XXXXmodification. No one seems to have this lien, but no one wants to clean the lien. 
We purchased our home back in XX/XX/XXXX with a 80/20 predatory loan with XXXX XXXX. Then XXXX transferred the loan to Ocwen bank were in XX/XX/XXXX we applied for a modification and were approved. After qualifying for the modification, they forgave the small loan which was part of the modification and we continued paying our home all these years without any problem. Ocwen bank transferred the loan to PHH Mortgage ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ) whom stated that they can provide a payoff letter only for the mortgage that they have, but they can not provide a payoff letter for the second mortgage. 
We are very frustrated because it seems like no one can help us. We even contacted MERS who told us to contact XXXX, but when we called XXXX, they transferred us to PHH  because they are the same mortgage company but we end up with the same answer. 


We are requesting your help to clean the lien on the title. We hope to hear from you soon and we want to thank you in advance for your time and assistance. 

Sincerely,
Product: Student loan

Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.
Product: Money transfer, virtual currency, or money service

1FAM IS ILLEGALLY COLLECTING ON BANKRUPTCY DEBT USING AN XXXX CALL CENTER BECAUSE IT IS SO CLEARLY ILLEGAL TO DO SO IN XXXX. XXXX XXXX IS THE EXECUTIVE RESPONSIBLE AND NEEDS TO BE ARRESTED IMMEDIATELY! HE IS THE CHIEF CREDIT OFFICER AT DESERVE AND IS BASED OUT OF XXXX HE IS CONSPIRING WITH A SALES EXECUTIVE AT 1FAM WHO ANSWERS THE SALES PHONE NUMBER! THEY HAVE REMOVED THE PHONE NUMBER FROM THEIR WEBSITE SINCE THEY PANICKED WHEN I CALLED THEM TO GATHER INFORMATION ON THE FRAUD! XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Original creditorXXXX  XXXX XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXOriginal creditor XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Originalcreditor XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  Inquiredon XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired onXXXX  XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiredon XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$2900.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX   XXXX Account : # # # # # XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " TOYOTA MOTOR CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " TOYOTA MOTOR CREDITY '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to TOYOTA MOTOR CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested TOYOTA MOTOR CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

TOYOTA MOTOR CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " TOYOTA MOTOR CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting

My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation
Product: Credit reporting, credit repair services, or other personal consumer reports

I apologize for the inconvenience Ive been facing with Equifax. Ive contacted their customer service more than 20 times and provided your ID, SSN, last paystub copy, and a written explanation via mail as requested. Despite sending the mail twice through both normal and express delivery, they claim not to have received it whenever you inquire. However, I verified the address and checked the tracking number, which showed that the mail was delivered. Today, when I called again, they asked me to send it once more. Ive been dealing with this problem for almost two months without finding a solution. Some of the representatives, including one named XXXX, were unhelpful and hung up on you. The supervisor couldnt provide assistance either and also asked you to send it again. This Equifax problem is causing significant loss of time and money, and its the only obstacle preventing me from refinancing my home.Please help me. Regards.
Product: Credit card

I have a Care Credit card through Synchrony. I've been paying the minimum payment because that's all I can afford right now, but I just noticed that for the past 6 months or so they've been charging me a " PYMT CARD SECURITY XXXX '' fee of about {$15.00} a month, eating up half my payment! I looked this up and found that it was a " payment security '' program that cancels my debt in case of unemployment, death, disability, etc. I did NOT sign up for this and I did NOT consent to this fee! I want ALL the money I paid for those fees BACK NOW or I am contacting the POLICE! Well, I suppose I am contacting the police right now, aren't I?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I can not get my credit report from Equifax. I have tried to talk with about 25 people at Equifax Customer Service over the last week ( XX/XX/XXXX-XX/XX/XXXX ) and Equifax refuses to assist me. I have reason to believe they are showing me as XXXX because my credit report from a third party aggregator of three credit reports shows a note about me being XXXX. I am not XXXX. I have confirmed with the Social Security Administration that they do not show me as XXXX. I need this cleared up yesterday, as I am trying to close on a home loan that is now in jeopardy. I need Equifax to respond to me, but they refuse to talk to me, let alone check with SSA to confirm the record with SSA.
Product: Student loan

I called Fedloan Servicing to inquire about another income-driven loan that would lower my interest repayment from 15 % to 10 %. The service rep helped me determine which box to check on my update application. In my inquiry I asked how my account would change and the only thing conveyed to me was my payment would decrease. After a few weeks I notice my credit score dropped. I XXXX the balance of my loans had increased significantly. I called Fedloan Servicing to find out why. They said it was due to switching plans. I became upset because I was never made aware my loan would increase by changing to a new plan.
Product: Credit reporting or other personal consumer reports

There are 2 accounts with American Express. Those 2 accounts DO NOT BELONG TO ME. I have called and mailed American Express. When I call in I am told that these accounts and identifiers they have mailed me do not show on my social security number. They evidently belong to a different XXXX XXXX XXXX. Yet they appear on my credit reports all 3 bureaus. I dispute them with the bureaus they come back as mine. So, I dont know how to resolve this if a. ) American Express does not show them under my social security number to pull them up when I call. b ) when I mail them with the info this is what they give me back. NOTHING. just standard b.s.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed a request for my credit report with id info to Equifax. I have not received a report as of today ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit Reporting act XXXX  Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a account without my written instructions
Product: Debt collection

Back in XX/XX/XXXX, i misplaced my wallet which had all my information in there including my social security card, my government-issued ID as well as my bank cards. i may or may not have left it at a bar but i, later on, got a call from the bar and was given back my wallet. Since then, i have been suffering from identity theft issues, day in and day out. in XXXX, i did a police report and i have done 2 more police reports since then. this is a troubling issue for me. 

these accounts are inaccurate and needs to be verified thoroughly US DEPT OF EDXXXX  - {$19000.00} reported XX/XX/XXXX US DEPT OF EDXXXX XXXX {$14000.00} reported XX/XX/XXXX US DEPT OF ED/XXXXXXXX - {$8000.00} reported XX/XX/XXXX US DEPT OF EDXXXX - {$17000.00} reported XX/XX/XXXX US DEPT OF ED/XXXX - {$13000.00} reported XX/XX/XXXX This account below i have no knowledge of and it needs to be verified with everything accurate because i never lived there. i have contacted them many times to resolve this XXXX XXXX XXXX- {$6600.00} reported XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been on a Forbearance Plan which was offered by Mr. Cooper Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a XXXX Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Product: Checking or savings account

I had a Certificate of Deposit with Navy Federal Credit Union that matured on XX/XX/XXXX. I submitted instructions upon the maturity date to cash out and transfer to my money market savings account with Navy Federal. Rather than cash out my certificate given my instructions, they rolled over the account into a new certificate and are asking me to pay a penalty that increases every day in order to retrieve my funds. On XX/XX/XXXX, I made one more attempt to move my funds to my savings account, but no response or action was received from Navy Federal. I made another attempt to contact Navy Federal to cash out my certificate on XX/XX/XXXX, and they responded the same day, asking for a {$45.00} fee to close the certificate. I responded on XX/XX/XXXX informing of their error, asking to close the account without paying a fee. They responded the same day and declined my request, stating that the fee was now {$50.00}, neglecting to confirm my previous instructions were received. On XX/XX/XXXX I clarified that my instructions for cashing out were submitted prior to the maturity of the CD, yet their response later in the day confirmed that they were not willing to waive the fee that was wholly caused due to their error.
Product: Money transfers

PayPal case ID for this reason is XXXX PayPal has put an illegal hold on {$290.00} in my account and refuses to allow me to withdraw my money. 
This issue has already been ongoing since XXXX XXXX or so of 2015. 
I am a XXXX XXXX XXXX, and I made a payment to elance.com website for a service. Within my own paypal account, my friend and I added her credit card to the account a few months prior so we could order a new cell phone replacement screen on Ebay. Her card was not the " PRIMARY '' card on the account, my own was. So when I placed a {$290.00} payment to elance.com, paypal used my friends credit card instead of the available XXXX in my bank account. Which was their mistake and problem they caused for my friends bank who put her into a negative balance and then charged her {$33.00} for every few days the issue went on. PayPal refused to " refund '' the friends card, and debit my account. Claiming that I had to pay that person myself, with cash. So I did so just so the friend was not out {$320.00} and was charged another overdraft fee. 
XXXX later refunded my payment, which is the natural course of action when the other party does not pay for their cost of the arbitration filing. So now that my XXXX was refunded to paypal, paypal locked my account and refuses to allow me to remove my funds. 

Aside from filing a law suit in court, I am going to try this fist. 
If this issue is not resolved in 1 week, I will also be filing that suit in my local court forcing them to A ) pay to defend and B ) cost them more money when I win the judgement + court costs.
Product: Checking or savings account

I deposited my paycheck into my new SoFi checking account ( XX/XX/24 ). I then went to make my rent payment and it said I couldn't due to 'security reasons ' ( XX/XX/24 ). I spoke to the online help service and they couldn't tell me what the issue was, nor how long it would take to resolve. 

It has been two days and I am worried they have my funds and I can not access them.
Product: Credit reporting or other personal consumer reports

I have been disputing an account that is unlawfully on my consumer report with TransUnion, XXXX XXXX XXXX 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On/around XX/XX/XXXX I opened an online account with Citibank, to which I deposited {$25.00}. I also opened an account with XXXX XXXX XXXX, as their bank has more locations in the XXXX area. I opened the accounts so that I would have a bank local to this area, and to deposit an inheritance from my Mother 's passing in XX/XX/XXXX. 

Needless to say, I have had nothing but issues with Citibank. First, I received the card that would not allow me to activate. When I contacted their customer service, XX/XX/XXXX, I was told the account was put on hold and closed due to them not being able to validate my information via XXXX. Citibank informed I would be receiving the refund for the deposit balance via check in the mail. I contacted XXXX and was informed that my credit report was locked, thus, the reason Citibank could not open my account. I had my report unlocked at that time. Later this same week I received my XXXX XXXX XXXX account information. 

Several weeks go by and I had not received the refund from Citibank, so I contacted them again, XX/XX/XXXX, and was informed by a customer service representative that they could not locate the account or a deposit refund. I asked to be transferred to a supervisor who also attempted to locate my account, only to scroll down and find that it was on the next page of their information. He put me on hold for about 30 minutes, telling me they had not yet closed the account due to a hold placed on the account, but he would look into and ensure it was closed and I received a refund. He said they would contact me if anything further is needed, and that I would be receiving my refund in 5-7 days. 

Today, XX/XX/XXXX - Still no refund. Contacted Citibank, and they informed that this account is with the fraud department and would need to be closed thru them. I am beyond mortified and the level of customer service provided by this institution and their lack of support in that regard. I am not certain I'll ever receive a refund but wanted to file a formal complaint, as this, in more ways than one, infringes on basic consumer rights. NOTE : Each step of the way, I have verified my idendity on many occasions SSN, DOB, Address, Mother 's Maiden name ... feels like they even want my first born! It's crazy that I have to verify this information OVER, and OVER, and OVER, and OVER throughout 1 phone call with 1 person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}