23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These were not authorized
Product: Payday loan, title loan, or personal loan

this is in regards to dishonest company known as XXXX XXXX XXXX ''. A company that serve as a credit building tool where you get a secure credit and after you pay it off thy report it as paid and will refund you the deposit put initially. 
I have a screenshot of the promise that my payment was being processed on XXXX and that is only gon na take 1 to 2 business days and I've attached it along with the policy page. 

Unfortunately for my case they are refusing to refund under the pretext that I need XXXX issued passport when their own policies outline that for XXXX XXXXXXXX citizen a passport number and country of issuance is all that is required to verify my identity. 
I have sent them my XXXX passport a month ago and every time they promise that a supervisor or higher up will call me back but they never honored their promises. I'm literally using the policy on the website to get them to follow their own and its not helping as they that incompetent. 

One agent by the name of XXXX have agreed with a 100 % that passport I sent is all they need but claimed she is not the one who has the authority to release my deposit. 
I insisted that I wait on the line while she communicates with the back end to help come up with a resolution she told me follow up via email and hung up abruptly like the two other agent before her. 

The body of text below is from their website XXXX XXXX XXXX and it quotes : ''Types of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you : Your name Date of birth Address Identification number XXXX Citizen : taxpayer identification number ( Social Security Number ) XXXX Citizen : taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right 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 , has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX # XXXX, XXXX # XXXX, -XXXX XXXX, XXXX. # XXXX, -CONSUMER PORTFOLOI SVC # XXXX
Product: Credit reporting

Experian continues to indicate that XXXX County lien XXXX was paid. IT WAS NOT PAID. Instead, the lien was filed in error by the State of Alabama and eventually canceled. However, Experian refuses to correct the reporting despite multiple submission of documents indicating the correct status.
Product: Student loan

Navient is my private loan provider. I returned to school in XX/XX/XXXX to pursue a XXXX degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree XX/XX/XXXX. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for XXXX were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite having extremely limited capacity to make payments on my loans, I am being repeatedly told that I have regular payments. It is distressing to know that I have protections afforded to me with my public loans, but that I have no such protections when dealing with Navient. Compounding this issue is the lack of knowledge I had when taking out this private loan when I was XXXX ; had I known of the lack of protections and repayment flexibility, I would not have pursued this loan option. 

I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.
Product: Credit card or prepaid card

I signed up for the Citi AADvantage Mile up card in XX/XX/XXXX. They had a bonus offer that they emailed on XX/XX/XXXX, with XXXX miles and XXXX dollars in statement credit, as well as a promotional introductory APR. While I had the APR applied, the XXXX dollar statement credit and the introductory XXXX bonus miles were never given to me. I called in XX/XX/XXXX to inform them that my new bonus had not come in my account and they said, this offer was available only to those opening a new account. I told them, this was a new account that came with a 0 % APR, which was applied, but not the other 2 offers that were also there, which included the XXXX Bonus miles and XXXX dollar statement credit. They refused to issue the credit. I called again in XX/XX/XXXX, and citi again declined my request. I would have not applied for this card had those offers not been there and they have refused to honor what was advertised when I applied for this card. I have gone back and forth with citi and they still stay this was not a new card, but how can I get an email about having an application approved if I didn't get the new card? Citi is engaging in illegal and fraudulent behavior by promising their customers with new offer bonuses, but not delivering them. This is cheating customers, especially because I have been with citi for such a long time. You can see from my XX/XX/XXXX statement that a promotional interest was on there, and this is only for new card members and I had met the XXXX dollar minimum at that point to get my XXXX miles and XXXX dollar statement credit. Citi 's system obviously did not give me the bonus offer that I was entitled to, but citi has refused to honor their request and are cheating me out of the rewards I signed up for.
Product: Mortgage

To whom it may concern, My fianc and I were applying for a home mortgage loan through Morgan Stanley XXXX XXXX XXXX # XXXX ). We were told by our loan officer, XXXX XXXX ( XXXX # XXXX ) that our mortgage loan agreement would need a 20 % down payment with an interest rate 5.3 % ( locked until XX/XX/XXXX ). This was stated on the loan contract ( attached ), signed XX/XX/XXXX. 

We had entered escrow and were getting ready to close when XXXX XXXX ( XXXX # XXXX ) called us and said that upon reviewing the appraisal they had to change the terms of the loan agreement. They now wanted a 25 % down payment and the interest rate would be increased to 5.8 % ( see attached screenshot of emails ). 

The appraisal ( see attached appraisal, parts 1 & 2 ) of the home shows it is worth {$670000.00}, which is the sale price. The reason she cited for the increase for down payment and rate increase was the zip code of the home. She said that after further review they determined that the zip code was in a declining neighborhood and did not feel that it would appreciate as much as other zip codes. There is nothing wrong with the home and nothing on the appraisal which indicated that the price of the home would depreciate because of the zip code. 

Other lenders who I have explained my situation to say they have never heard of changing the terms of a loan after it has been signed because of the zip code. I feel the reason they provided to change the terms of the loan was not valid and were trying to find a way to get out of the loan after it had been signed. While looking for other lenders, I explained my situation to many who said that the loan officer probably underquoted us and is now trying to cover themselves because the reason they provided for changing the terms of the loan was ridiculous. I believe there may be a pattern of unscrupulous business practices and predatory lending by deceiving potential lenders with a low rate and changing the terms after the contract has been signed.

The actions taken by Morgan Stanley have caused my fianc and I to suffer greatly. We have had to scramble to find a new lender and risk losing our deposit with escrow which has created unnecessary emotional turmoil in an already stressful process. I am filing a complaint to ask for guidance let others know about these predatory practices. 

Please do not hesitate to contact me if you need more information. Thank you in advance for looking into this matter.
Product: Student loan

I am attaching a letter I received regarding this loan. First- it was not allowed to be paused during the pandemic. They constantly harassed us during the entire time. Secondly, we have received significant correspondence regarding the transfer of the loan from Navient to aidvantage. Yet, we are hounded as our friends and neighbors by Navient. This process is criminal as they are no longer supposed to be handling our account. In order to keep our credit in order and because of the harassment I have paid them, but I really don't like it as I don't feel they are legitimate but I am fearful by the calls and emails. However, you can never return an email to them or get the same person on the phone. This is absurd- We are retirees and the debt has doubled due to Navient.
Product: Mortgage

COMMUNITY loan has added more money to my mortgage for FEMA required flood insurance XXXX have been talking to them for months about how I am already paying more in my condo assessment for flood insurance, even sent them a copy of the policy. COMMUNITY loan says they are having problems with the policy because it doesn't mention my unit number, just the condominium building and so this has been going on for 3 months and they are still charging me for flood insurance.
Product: Debt collection

disputed and they put back on. I was never informed about these collections. They were put on my collections and they haven't filed wrong.
Product: Credit reporting or other personal consumer reports

The c.r.a. are still reporting old addresses, old information usc 15 1681 i they not allowed to report old iinformation and they doing it from, landlord they should have been remove CFPB, just sued Transunion and they refuse to remove the old landlord information I just got turn down for a apartment, now I have no where to live beccause of these credit reprting agency.I have right to to privacy usc 15 1681 602 a, XXXX funding, ome, when you crge it off its now income, I want these remove from my credit report, I have the right for my credit report to look the way I want it to look USC 15 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these 3 company are reporting charge off I.R.S. said you can't report a inc
Product: Mortgage

XX/XX/XXXX they raised my mortgage payment {$300.00} a month and claimed they needed it in my escrow account for increased home owners insurance and taxes but I followed up with calls to see who required that much more money and my home owners increased by about {$75.00} a month and even that increase is questionable because all my neighbors have only increased by about {$100.00} a year. There is no reason for this kind of increase even if the insurance is legit. I've contacted them at least 4 times and they tell me to contact my insurance company but just reaffirms my knowing they are taking way too much out for my escrow account. The amount they increased is way out of line and I sure could use a refund since my daughter and grandchildren are presently living with me. The only response they give is it can't be changed until XX/XX/XXXX because that is when they have there meeting for adjusting escrow accounts. With the economy tanking and this kind of unnecessary expense I've all but emptied one of my retirement accounts. Please give me some relief and justice. account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed this XXXX account for {$720.00} on my transunion credit file numerous times and all I get is a letter stating it was " Verified ''. I have contacted the collection agency to VALIDATE the account and I have been unsuccessful getting XXXX to validate this account in 30 days so I know Transunion have not verified this account. E-Oscar is not a form of validation. I sent this letter to transunion : TransUnion XXXX, PA XXXX Date : XXXX XXXX, 2015 RE : XXXX, account with the amount of {$720.00} Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I included my social security number on the original page
Product: Credit card

Capital one corrected XXXX entry on my credit report but not the other, XXXX cards were disputed in my original complaint and only XXXX was addressed. Please see attached documentation.
Product: Credit card

I've submitted multiple disputes with Capital One long ago. It was for a couple charges, one for {$1300.00} and one for {$720.00}, along with other disputes. When I called Capital One because I hadn't received an update, they tell me the documents I faxed they needed for the dispute appeal they did not receive. So the disputes department sent me links via email to send to them, which I did. After a few days, I get a letter in the mail for 2 of the disputes saying the timeframe to reverse a charge has expires, and let them know within 60 days next time. There is no next time! I have proof that I faxed it so it's not my fault that Capital One didn't receive it and didn't even tell me! I need the charges reversed now. One of the case numbers is XXXX, and the other is XXXX. I still haven't received any update about the other disputes I made.
Product: Student loan

I have a private student loan debt with company called Navient {$23000.00} ( currently in a default status ) .they refused to put me back on the rate reduction program which was affordable.right now they want me to put a down payment of $ XXXX.by the end of month.im not going to have that because I have other bills and I'm trying to avoid a lawsuit.the rep that I first spoke with in the navient recovery program wanted me to pay {$500.00} a month.with a down payment of $ XXXX.i told him I don't have. He went ahead and set up three monthly payments with my bank card..even though u told him that would be difficult to do.That.ive been in between different jobs during this caused me to miss payment s.this private student loan collect ion thing has been a nightmare for me.ive cried and begged Navient to put me back into rate reduction program where I was paying {$130.00} montly.im trying to avoid getting sued by Navient in the event they don't get that {$2000.00} dpymt.ive never in a million years wanted to go into a default status.i think they should acknowledge the fact that I was sending in money to them every month.towards this loan.im praying they don't see me and the national debt relief program could assist me.
Product: Debt collection

Eastern Account System I Fraudulently added this account to all 3 of my credit bureaus reports with no proof of verified documentation from me on XX/XX/23 for {$510.00} of which was paid in full not by me I was told on XX/XX/23 or XX/XX/23. 
I've never had an account with this company nor have ever owed them any money. Nor have ever been in collections for any company they work for. 
They fraudulently added an address to my name that I've never lived at on my credit reports. 
They have part of my info for this account, which I have no idea of how it was obtained, the other half of the info belongs to someone else. 
They've Fraudulently said they've verified all information. The question is with whom? 
I'm entitled by law to know the list of names & addresses of all that was contacted to verify of this said account that was said it belonged to me, which it does not. And the names of persons who said they verified this fraudulently proof of documentation on this account. Also requesting copies of all proof of said documentation. 
I have never opened a account nor lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX or XXXX. I've lived in Illinois for almost XXXX. 
This debt has never been mine nor my responsibility. 
Eastern Acct System I is to contact XXXX, XXXX XXXX XXXX & have this Fraudulent account removed immediately from my credit reports. 
I've been inconvenient long enough with this emotional rollercoaster of someone in their company not doing their job correctly affecting my livelihood.
Product: Debt collection

my credit report show 2 companies reporting a collections I notified on XX/XX/2020 after 2 month no answer, but they verified this account as valid with XXXX, XXXX and XXXX
Product: Debt collection

I tired to respond to the message that Midland left however for some reason the complaint was closed or XXXX. 
First I was unable to open the attachment that was submitted and yes I did try on several different computers. I want validation from your company showing this belongs to me. I want a copy of the agreement with my signature. What part of validation do you not understand? I have nothing from your company showing this. A print screen is not validation it is something that anyone with a computer can make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax regarding a account I had with XXXX in XXXX. The amount on the account was {$370.00} which was charged off. Equifax states that a payment has not been made on the account since XXXX. How would they know if the information that they have only dates back to XXXX. I have disputed 2 or 3 times and each time the information changes but it is still incorrect. They have my first delinquency reported as XX/XX/XXXX, which is incorrect. When you look at the calendar for the payments the charge off started in XXXX of XXXX which is also incorrect. I have not paid on this account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXXXXXXXXXX with any advice you can give.
Product: Debt collection

I moved into senior housing and management company charged me for early termination fee, lawyer fees, and other fees for moving out. They rejected my 30 day notice, threatened to sue me for the amount they believed I owed, despite the fact that I provided them with a letter that I was already approved to move into XXXX  approved senior housing. They put me in collection despite my attempt to dispute the charges, and it and put it on my children 's credit reports as well and has damaged my credit further. 

My complaint is against XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going on here. I just received a copy of my credit report today and I found this fraud collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT shall delete from my credit report. I never have XXXX phone and also this is the first time I seen this fraud collection without an opened date. I would like to know how this account was opened and my wit of signature because this is a fraud collection opened without my knowledge.
Product: Checking or savings account

On XX/XX/2022 I received notice that my account was over-drawn for the following payments : Reversal of temporary credit provided for negative balance prior to stimulus payment. 

{$100.00} {$220.00} {$230.00} {$410.00} Wells Fargo stated they would provide me prior notice approximately seven days before the negative balance is reapplied, however, I never received any notification. 

On XX/XX/2022 I called Wells Fargo at XXXX PM XXXX who apologized for the inconvenience and stated there was nothing they could do. I then requested to speak with a supervisor. The agent stated I would need to confirm my phone number and address before being transferred all was correct. I am requesting my money be refunded into my account and plus reimbursement for all subsequent arrangements I must make for my bills. I was never notified the money would be taken from my account.
Product: Credit reporting

Experian Credit reporting agency signed me up for for " credit monitoring '' without my consent then refused to refund the charge. The business model they have employed does not rely on selling a service, it relies on consumer not reading the tiny declaimer at the bottom of a web site that that you think is verifying identity, but unknown to the consumer they are being " subscribed ''. This may or may not be Fraudulent by the letter of the law but is CERTAINLY fraudulent by the spirit of the law.