23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with ALLIANT CREDIT UNION `` ALLIANT ''. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. ALLIANT became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not get notified of a investigation status about a fradulent account I have on my personal credit report with Equifax that I requested for it to be disputed because this account does not belong to me. I conquer I didn't receive an email or letter about the status of an investigation since it started. 
Account name : XXXX XXXX XXXX  Account number : XXXX Date assigned : XXXX Date of first delinquency : XX/XX/XXXXXXXX  Amount : {$840.00} According to the FCRA : Failure to correct false information is a violation of the consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and transunion they keep putting old stuff back on my credit report and I keep trying to send paperwork it's in paperwork then I give them my identification I give my proof of everything and they keep putting old past stuff back on there and it shouldn't be it's all paid in full everything is XXXX there's something definitely going wrong I should have a XXXX score all that stuff on there is wrong
Product: Credit reporting or other personal consumer reports

My mortgage has been sold 3 times -- almost every time it still has the same loan servicer, just a different mortgage holding company.In XX/XX/2023, XXXXXXXX XXXX reported my payment 30 days pas due. I requested an explanation. The mortgage has been paid 30 days ahead and continues to be 30 days ahead of the next due date. I have not missed any payments or been late. I wrote several letters, called and was placed on hold for long periods with no response, from the mortgage company nor from the 3 credit brueaus. None of them have responded.I filed a dispute with the 3 credit bureaus. I requested the 30 day late notes be removed and be returned from red to green show paid as agreed on time on my credit report.
Product: Mortgage

On XX/XX/XXXX, I first communicated with my Lender that I wanted to remove my PMI. I followed all of the instructions provided on the Lender 's website and sent the request in writing. I received several automatic generated messages via email that same day acknowledging receipt of my communication. On XX/XX/XXXX, I received another auto-generated email, but this message contained significantly more detail in general about the PMI removal process, including information about meeting my investor 's guidelines if I was not eligible for a XXXX removal and specifically noting, " The appraisal will cost at least {$400.00} and will be ordered at your expense. '' Upon receipt of that information, there were several telephone conversations with the Lender 's customer service department, more letters from me, some communications from the Lender, including three ( 3  ) different, but essentially the same, denial letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have attached each of the above referenced denial letters to this complaint. Please note, the XX/XX/XXXX letter also includes the document " XXXX XXXX Borrower-Initiated MI Termination Valuation Results ''. It is also important to note that earlier in the month of XX/XX/XXXX, I paid {$150.00} for a Broker Price Opinion via check made payable to the Lender. The check was cashed and the Broker scheduled a visit to my home on XX/XX/XXXX. The XX/XX/XXXX letter includes the BPO. 

One reason I maintain that the Lender does not have proper protocols in place to ensure compliance with XXXX is the fact that each of the denial letters fail to acknowledge the basic information that I would mention in my correspondence to the Lender. Chiefly, beginning with my original letter of XX/XX/XXXX which noted the value of my home had appreciated due to a major bathroom renovation project. This was verified in the BPO and listed under a section entitled " Itemized Updates ''. I repeated that information in my XX/XX/XXXX letter, but it was completely ignored in the Lender 's response of XX/XX/XXXX. This is clear because despite my very implicit statement that " substantial improvements '' were made to the property, I was informed that my " additional correspondence did not provide any new or additional information for us to form the basis for a new investigation ''. 

I maintain that I was always qualified for removal of the PMI at least as early as XX/XX/XXXX, but I was always given the " runaround '' by the Lender 's system that was intentionally designed to cause borrowers to continue to pay for PMI beyond the actual legal date it could rightfully be removed. This last statement is not mere conjecture since the Lender as recently as last year XXXX XXXX XXXX agreed to settle a class action lawsuit for questionable practices involving lender-placed insurance. 

Due to the size limit on the files I could upload, all correspondence is not included, but can be provided upon request. Thank you for your consideration. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of my three consumer credit reports ( XXXX  and Equifax ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/XXXX, while Equifax shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Product: Checking or savings account

I have been charged an {$8.00} dollar service fee by Regions Bank since XX/XX/2015 when I opened my account. I have made regular weekly deposits between 500-750 dollars, which should be sufficient enough to avoid a fee.
Product: Mortgage

We started the process to be pre-approved for a mortgage loan with PRMG back in XX/XX/XXXX. Our loan would be contingent on the sale of our current home, so we listed it for sale. The process was frustrating from the start, transferred from one loan officer to the next with no notice of being transferred to a new contact person. Communication was HORRIBLE with the company. Weeks would go by that we wouldn't hear from them. 
We sold our home in XX/XX/XXXX with literally nowhere to go. Originally, the plan was to close on our new home a few days after the sale of our current home. Luckily, the sellers of the home we were going to buy had moved out and allowed us to move in. 
I spoke with SEVERAL different members of the company including 2 regional managers. They kept giving us empty promises that we would close on our home in the next few weeks. This went on for MONTHS. I'm talking, SEVEN months. The regional managers stopped replying to my emails or answering/calling back. Our file supposedly went to underwriting SEVERAL different times, but we would never get a clear cut answer as to what they were waiting on. The appraisal on our new home had to be done TWICE because PRMG took so long that the first appraisal expired. 
Still, to this day, we have gotten ZERO answers regarding our file. This company has ALL of our personal and financial information, and we have no idea what they're doing with it. We have been waiting to close on a home for SEVEN months. The amount of emotional, mental, and physical stress this has caused for myself and my family is unimaginable. The company still will not reply to us or give us any explanation of what they are doing with our file. PRMG is a JOKE and absolutely 100 % should NOT be in business!!! Extremely unreliable, untrustworthy, and unprofessional!!!!!
Product: Credit reporting or other personal consumer reports

I have an unauthorized and unrecognized hard inquiry on my XXXX credit report from XXXX XXXX XXXX Again I did not authorize you to pull my credit report. Please investigate and delete this hard inquiry off of all of my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Chase Credit Card while booking a flight on XXXX XXXX. They had very large and bright advertising stating EARN XXXX points when you spend {$2000.00} in the first 3 months. {$69.00} fee applied to your first statement. APPLY NOW. I applied and booked my flight using that new credit card, which it also advertised .. you can use your card for this flight. 
When I got my first statement from Chase, it showed a {$200.00} credit on my flight. Months later I saw a XXXX point transfer to my rapid rewards. 
In XXXX, I called to question the XXXX points and was told it could take up to 3 months to show. 
When I still did not see it in XXXX, I called again and was told that MY offer was a {$200.00} credit and XXXX points. Since that is not what I applied for, the service rep said he would write it up and send it to the marketing team. 
On XX/XX/XXXX I received a letter from Card member Service stating information that I was requesting a new enrollment bonus offer of XXXX points but it was not available on my credit card. Nothing about the fact I felt they advertised one thing and gave me a lesser thing. 
I figured I was not the only person this happened to and looked it up on the internet and found this exact thing had happened to several other customers. Several complaints about the advertised XXXX points and then only getting XXXX points and a {$200.00} credit. 
I called Chase XXXX XXXX XXXX again today XX/XX/XXXX and the representative said she would submit to the marketing team a request for XXXX points, which was the offer available right now but that the {$200.00} credited would need to be recharged to the card. I agreed to that because I'm not looking for extra. I'm looking for the XXXX points and was willing to compromise with XXXX. 
I asked the representative why marketing would give me the XXXX points this time as opposed to rejecting the last request and she said they may not, this is just a request. 
I feel like in a week I'll get another letter stating they are not honoring the original offer but just do this back and forth until the consumers tire and give up. 

I told the rep I was going to file an attorney general complaint but wanted to give them an opportunity to make it right first and she said all she could do was submit a request again to marketing.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I was online looking for a short term loan to pay unexpected expenses. Due to the debt I have my bank wouldnt provide a loan this time until I can pay off credit cards. But I still had the unexpected expense, so I needed a loan to cover it. I XXXX affordable loans and I applied for several, but they said they couldnt lend in Georgia. Then I found Uprova would when applied. I only borrowed {$800.00} and they had the installment for 24 months paying back over {$3800.00}. 

I only borrowed {$800.00}. So I thought, Im just paying this off on XX/XX/XXXX so Im not carrying it that long. The next problem is, they arent taking payment monthly its every 2 weeks for {$170.00}. So I informed them I get paid monthly. The guy on the phone said hed do so alteration of dates to work it out. What that looked like : I was given {$800.00} loan in account on XX/XX/XXXX. My account was drafted {$170.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. Then they claim one or both of those payments were late. So on XX/XX/XXXX they attempted to do another draft to account for {$170.00}, but funds unavailable. Again saying Im late. Ive already paid {$340.00} for an {$800.00} loan and only {$60.00} went to principal. It states now my total balance owed is {$940.00}. 

This company is a tribal lender and I didnt know it was against the law in Georgia XXXX Further, they should have known they couldnt lend in Georgia as other companies informed me. I would like assistance in simply paying the {$940.00} due on XX/XX/XXXX and no further interaction with the theft from a loan company. I dont want to steal, just pay what I owe on XX/XX/XXXX as I planned, without the added fees or any expectation of me paying {$3800.00} and I only borrowed {$800.00}. 

Im a XXXX Veteran total and permanent and I was in a XXXX  I thought this was helpful, but I see its a payday loan type scheme. Is there some type of mediation that can assist me in simply paying the {$940.00} balance on XX/XX/XXXX as I planned and informed them when getting the loan. I will have the money. I just dont want the on going manipulation. Just pay and be done. 


Because in the end I would have paid by XX/XX/XXXX {$490.00} in interest plus {$800.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total : XXXX on a {$800.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible TBOM/MILSTNE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My XX/XX/XXXX and XX/XX/XXXX payment ( combined as double payment ) was misapplied and labeled as returned by mortgage company. In XXXX I made 2 payments as well to catch it up. XXXX payment made on time, XXXX payment was missed but XXXX was on time. XXXX I paid {$1300.00} on a mortgage that is supposed to be {$1000.00} a month as part of a repayment plan. XXXX I made the same payment and was advised I would be on this plan until XX/XX/XXXX because I was behind 2 payments. Upon further investigation I found the issue as a misapplied XXXX payment as well as one missing XXXX payment. XXXX XXXX is placing burden of proof on me - which I submitted via bank statements and payment breakdown and confirmed with my banks the payments did in fact clear- and VU told me the process has no timeframe for completion. Meanwhile my account has been reported as delinquent for a YEAR and i have incurred fees. I need this fixed ASAP as well as my credit report updated and i am more than happy to provide any and all documentation supporting my claim.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally dispute a transaction made on my Discover card regarding an order from XXXX. I ordered a XXXX XXXX jacket, but instead, I received a XXXX 's puffer jacket packaged in XXXX 's unique packaging. This error is not only shocking but also highly unacceptable. 
Transaction Details : Merchant : XXXX Order Date : XX/XX/XXXX Transaction Amount : {$2000.00} Upon discovering this grave mistake, I immediately contacted XXXX to rectify the situation. They acknowledged the error and provided a prepaid return label, which I used to send back the incorrect item. However, despite returning the item, I have not received a refund for the transaction. 
XXXX of Events : XXXX. Order Date : XX/XX/XXXX - XXXX a XXXX XXXX jacket. 
XXXX. Receipt of Incorrect Item : XX/XX/XXXX- Received a XXXX 's puffer jacket instead. 
XXXX. Contact with XXXX : XXXX XXXX XXXX XXXX XXXX the mistake. 
XXXX. Return Process : XX/XX/XXXX- Used the provided prepaid label to return the incorrect item. 
XXXX. Return Confirmation : XX/XX/XXXX - XXXX confirmed the receipt of the returned item. 
XXXX. Refund Status : To date, no refund has been issued. 
This situation is a clear violation of my consumer rights. According to Discovers XXXX XXXX XXXX, I should not be held responsible for charges resulting from merchant errors. Furthermore, under the Fair Credit Billing Act ( FCBA ), I am entitled to dispute billing errors, including the receipt of incorrect goods, and to receive a prompt resolution. 
I demand immediate action to resolve this issue by crediting my account for the full amount of the transaction. I have fulfilled all necessary steps to return the incorrect item, and Nordstroms failure to process the refund is entirely their responsibility. 

Copy of the return shipping label and confirmation of the return delivery. ( XXXX : XXXX ) I have communicated with discover about the amount, but the strange thing is that after I provided sufficient evidence, discover actually refused to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Your listing that XXXX XXXX account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/year> Subject : Dispute of XXXX Account Dear Lendmark Financial Services, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally dispute certain aspects of my loan account with Lendmark Financial Services. 

Loan Details : Loan Amount : {$6600.00} XXXX XXXX XXXX XXXX Loan XXXX months Responsibility : Joint Upon reviewing my payment history and understanding the terms of the loan, I have identified discrepancies that I believe require clarification. I have already paid a total of {$5100.00} towards this loan, and I would like a detailed explanation of the remaining balance and any related charges. 

Additionally, it has come to my attention that my XXXX  took possession of the vehicle and sold it to XXXX without my acknowledgment. This situation further complicates my responsibility for the loan. 

I would also like to bring to your attention that I have been receiving inquiries regarding this alleged debt both via mail and phone. This persistent communication constitutes XXXX, and I request that it cease immediately. 

To resolve this matter, I am requesting the following information : A detailed statement of the payments made towards the principal and interest. 

An explanation of any fees or charges that have been applied to my account. 

Confirmation of the current balance and what that balance represents. 

I appreciate your attention to this matter and DEMAND a response no later than XXXX days as required by law. If we can not resolve this dispute satisfactorily, I will consider other options for resolution. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts, I have not been able to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.