23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have both private and federal loans with Navient. I went to the University XXXX in XXXX, CT. The last time I was in contact with Navient, they asked if I agreed to an autodialer contacting me if/when necessary. I said yes. They have been abusing this and just within the past 72 hours have called my cell phone over 10 times ; 5 of the times within an 8 hour period. The have also called me on the weekends ( both Saturday and Sunday ) after XXXX. Just because I agreed to letting them call me does not mean they should be able to abuse the system like this. I also do not make enough income to be able to pay the amount they were asking. They were very difficult to work with on this and said that the Rate Reduction Program is a " step '' program where every time I renew it the $ $ amount increases. 

Thank you for your time!
Product: Student loan

On XX/XX/XXXX, I submitted a School Misconduct application to Mohela regarding my time at XXXX XXXX XXXX, where I attended from XXXX to XXXX. During my enrollment, I was misled by the institution in numerous ways. I provided all available documentation supporting my claim of misconduct, including the fact that my federal loans were previously discharged under the XXXXXXXX XXXX XXXX XXXX. Along with my application, I submitted the XXXX XXXX XXXX XXXX to Mohela. 
However, on XX/XX/XXXX, my request for the dismissal of my private loans was denied without a clear explanation. Given the circumstances, I believe my loans should be eligible for discharge. I am a XXXX XXXX  as a direct result of my experience at the school, which ultimately led me to XXXX XXXX XXXX XXXX   in order to repay the loan. To this day, I have never worked in the field I studied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that account XXXX  # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15U.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.

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Experian are not providing a credit report on XXXX Experian 's response is : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX XXXX. '' XXXX  's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet. 
Request by Mail To request your Free XXXX Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help
Product: Credit card or prepaid card

This complaint relates to the American Express website functions and misleading navigation tools. While exploring eligibility and card information for the American Express Platinum card the website asks for personal information to verify eligibility. The following screen has an additional navigation button that indicates navigating through this link will provide additional information about eligibility and card rewards, this link actually submits an applications and signs you up for the card delivering a message that says 'welcome, your card will arrive in about a week '. 

This is a deceptive practice that effects credit score in terms of opening/closing an account, length of account history and a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Request for Deletion of Account from Credit Report Dear XXXX BANK XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
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 number 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 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: Payday loan, title loan, or personal loan

Excessive phone calls during and outside of business hours, has called MY EMPLOYER multiple times to leave messages as well which is illegal and embarrassing
Product: Debt collection

I dont know who these AFNI people are who just destroyed my credit by making the score drop by XXXX points for an account that was established that it is not mines. I DO NOT OR NEVER HAD A XXXX ACCOUNT. They keep selling this {$84.00} account that has been taken off my credit by XXXX  for not being able to prove that it was my account. XXXX does not even have my social security number when I inquired about the account. So why would you continue to. Try to destroy my credit and reputation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  was put on my credit report with  XXXX  and Equifa x ( d o n't know about   XXXX    because I cant get report from th em ) . I disputed this in writing and on line on  XXXX   XXXX ,   XXXX  .   XXXX    took it off my report but its still on Equifax report. It has been well over 30 days and I have n't heard anything. I asked them to send me proof that I owe this debt ( which they claim is {$830.00} ) I have never had  XXXX   XXXX , I have had  XXXX  for the p ast 10+ y ears and explained this to them and even called  XXXX  to get all my invoices, which they did send. I wrote to Equifax again today,  XXXX   XXXX ,   XXXX   and told them it has been well over 30 days with no response and this needs to come off my credit report.  XXXX  took it off theirs. I do n't understand what the problem is. Id  XXXX   XXXX  cant verify this ( which they cant ), it needs to come off my report and I really should n't have to wait another 30 days for it to happen since its already been almost 60 days. I do n't know if its on my   XXXX   report, but if it is, it needs to come off that too. I appreciate all that you can do to help this matter, its a little ridiculous when they cant even acknowledge something back, if they do n't have proof from  XXXX   XXXX , it needs to come off my credit reports, all of them.   XXXX   did n't have proof from  XXXX   XXXX  either, that 's why they took it off. I keep disputed it and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Hello, We bought and closed our house on XX/XX/XXXXXXXX  through a conventional mortgage via Mortgage company : Dovenmuehle Mortgage , Inc . Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

Our monthly payments also included PMI ( mortgage insurance ). Over the last few months, we have made additional payments towards the principal to bring down our outstanding balance to 75.06 % of loan to value ( LTV ). In addition, the monthly payments have been on time with no delinquencies. In the month of XX/XX/XXXX, I called and requested cancellation of PMI. 

The XXXX tax form 1098 issued to me clearly states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property ''. 

I received a letter dated XX/XX/XXXX stating that I meet the requirements, however I must order a new appraisal which would cost me about {$750.00}. I called the company on XX/XX/XXXX, they said these are based on rules by HUD ( Housing and Urban Development ) and transferred me to them. HUD however states they only deal with FHA loans and not conventional loans. Dovenmuehle continues to give me the run around making me pay {$75.00} per month for PMI. 

It has been less than 6 months since the initial appraisal, it does not make any sense on why should we waste money on another appraisal. Also, the company refuses to tell me at what LTV will they automatically cancel the PMI without requiring another appraisal. 

This is clearly a case of exploitation of the consumer. Please help! 

Thank you!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an Email about in hard inquiry on my TransUnion credit report through XXXX XXXX. 

It was ran through XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX They informed me they were a credit card company and would not give me anymore information without my ssn # this is why I'm filing a complaint. 

I have not tried to open I line of credit for over a year.
Product: Debt collection

XXXX Account number for XXXX XXXX the amount is {$2100.00} dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of inquiries on my credit reports on XXXX, Transunion and XXXX that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had told the rep to quit calling me and that the debt owed was from 8 years ago and once I was caught up with my bills and debts plus a student loan I would consider paying back the XXXX I owe. 

They somehow got a hold of my private landline I only use to make calls to pay bills over the phone and to contact my family out of state. So not only have they been recently contacting me on my cell but now my home phone. 

I called back the number on my landline and told them once again to quit calling me or id have them reported but now I feel that its no bother to them and for all these last 2 reps ive spoke with their ENGLISH was horrible.
Product: Credit card or prepaid card

I received a letter from Capital One explaining that they were closing my account due to a violation of my credit card agreement. Capital One failed to mention the violation I violated and when I contacted them, they failed to provide me with any information but informed be that I owed an outstanding balance of {$36.00}. I feel the reason they closed my account because they looked at my address and probably assumed the based on the area I lived in that I would not be able to afford or pay the credit card. Capital One have refused to respond to my letter and have not given any information over the telephone and refusing to return my security deposit for the credit card.
Product: Vehicle loan or lease

When i bought my new car from XXXX Toyota, we were asked if we wanted the extended warranty. At the time we were there i was not sure i wanted it. So the finance manager said we could put it on a credit card, so we could cancel it when we got home. so we called later they said i would have to come in and sign a paper that i wanted to cancel the service warranty. when i got to the dealer they told me i could not get my money back, they told me i would have to wait till the end off the loan. i don't think that is fare. 
XXXX Toyota Finance XXXX Toyota XXXXXXXX XXXX ID XXXX BOUGHT FROM TOYOTA CREDIT charge for service contract XXXX
Product: Mortgage

I sewed my insurance company because they didnt give me enough money for my house an now the mortgage company is holding the checks an the said they will release them as I finish the house. Well I need the money to start repairs how can I get them to release the money to me now
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I checked my report and noticed some inaccurate Account information reporting.
Product: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side
Product: Debt collection

They call stating they are trying to collect a debt. Then when you say they have the wrong number they state i Know I talked to you last month and start using very abusive language.
Product: Credit card or prepaid card

I am trying to decide on making a large purchase. My US Bank Credit card allows me to use a new feature called XXXX XXXX. This allows you to pay for large purchases over time for a monthly fee and a set payment amount each month. 
However., the bank will not tell you how much the fee is or the amount of payments until you actually make the purchase on your card. 
Ridiculous. There should be a way to calculate that so that you know BEFORE putting a large purchase on your card. Isn't there a law that states rates and fees must be disclosed? They don't, and a snotty customer service rep told me no one will EVER be able to tell me what it will be prior to purchase. 
Unacceptable and it must violate some banking disclosure rule.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries 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
Product: Money transfer, virtual currency, or money service

I signed up to use Square ON XX/XX/2021 and FULLY disclosed what I would be using square for. About two weeks after I received transactions selling my digital products and digital webinar, My account was closed with no further information other than I violated terms of service. My account should not have initially been approved if the company did not agree with what I was selling. 

I have not been successful in trying to reach the company and have not received any responses to my emails. I also have funds in the account that were to be transferred to my bank and those funds were never transferred as well as my account being shut down. The company has sent ONE email with very little information and I was advised that funds will be held for 120 days, I may or may not receive the funds after that time.

**PLEASE NOTE : I have had NO chargebacks and no refunds. My customers are highly satisfied. This company has made kept my money during a pandemic and made it impossible to get any customer service to fix this issue. I am self employed after covid and have XXXX small children. This is devastating to my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called TransUnion on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to TransUnion, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but TransUnion and XXXX  XXXX OK - TransUnion and XXXX  are reporting correctly. 
- TransUnion and XXXX  states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!