23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I just obtained a job as a XXXX  at a XXXX XXXX XXXX. I am not making a whole lot of money. Sallie Mae my student loan servicer is making me pay {$1400.00} each month. My parents are both over XXXX XXXX XXXX and have very critical XXXX XXXX. My father survived a XXXX XXXX, my mother survived a XXXX few years ago. I am the only one who is taking care of my parents. 
Besides that, I have other financial responsibilities to deal with and I am very stressed out about the situation.
Product: Checking or savings account

I had an unauthorized transaction on my Charles Schwab debit card where it was fraudulently used online at XXXX. The bank claims that because it is a debit card, it will take 90 days to complete the investigation, unlike credit cards, which typically take only XXXX weeks. This situation makes me very apprehensive about keeping my money at Charles Schwab, as the bank has not fulfilled its duty to protect my finances. 

Fraud Date : XX/XX/year> Amount : {$370.00} XXXX  My call to XXXXXXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX
Product: Checking or savings account

Today is XXXX. My payroll was deposited XXXX night. Cadence banking system has been down for XXXX days!!! I can not access my deposited payroll funds. Unable to speak to anyone and phone hold time is in excess of XXXX minutes.
Product: Mortgage

Mortgage banker has completely blown off contacting or dealing with my loan after failing to give correct information and details about approval, loan, appraisal. Was quick to get the loan approved and take my payment and there after said a third party needs to review now due to him overlooking converting to another FHA loan. Said no one has been assigned and could not give a date on when I'd be contacted. The day I applied for loan it was call after call after call to get documents and money available to close and paid for the appraiser and now nothing. After I said I'd like to cancel the application seeing he could not give me any info and he told me the appraisal wasn't scheduled until XX/XX/2020 he said someone will contact me and nothing else can be done. Not more than two hours later an appraisal quote comes back so the money can not he refunded. How does this make sense. Still have no idea and no contact of what's being done with the loan. Already took a credit hit and signed purchase agreement on a loan I was told " you have to trust me. I do this all the time and there's no reason this loan is not going through ''. Contact quicken loans customer support to speak about the loan further and no one is willing to pass my case along. This is a scam and this point and all they look to do is take your money and blow you off. How do you approve someone in minutes. Run credit. Review credit. Charge me hundreds of dollars go MIA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BLOCK , INC ), due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) specifically cash up failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations.
Product: Mortgage

To Whom It May Concern, I write to submit a formal complaint against PennyMac for engaging in discriminatory lending practices. During the XXXXXXXX XXXX, I received state assistance due to a reduction in income. On XX/XX/year>, I was notified that the state assistance program had ended. However, on XX/XX/year>, a customer service representative at PennyMac informed me that I was XXXX months in arrears and owed over {$35000.00}, and that my account would be reported to the credit bureaus as delinquent. Furthermore, I was told that if the debt was not paid by XXXX, foreclosure proceedings would commence. 

Despite my request for information on programs to bring my loan current, I was informed that while I applied for a possible modification, negative credit reporting would continue. I explicitly stated my intention to bring my loan current and requested that negative credit bureau reporting be suppressed during this time. Moreover, I made a payment on XX/XX/XXXX, but was told that the entire {$35000.00} would need to be paid. 

In essence, PennyMac fraudulently accepted state assistance funds and is now XXXX on my XXXX just XXXX months after receiving the last payment from the state. I respectfully request the opportunity to continue making monthly payments and that PennyMac suppress negative credit reporting while I repay the arrearage. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I went online to get my FREE copy of the 3 credit reports at XXXX. I got XXXX, I got XXXX. As I leaving XXXX, I clicked button to return to annualcreditreport to access my 3rd report ( from EQUIFAX ). Well your stupid system had an error code and wouldn't return me. 

I then typed in XXXX to get my EQUIFAX report and it's saying it can't, I now have to pay!!!! 

Your system created the error message and prevented me getting to the annualcreditreport page to access this 3rd report. Sadly, again this is typical government incompetence screwing the working class yet again. 

And by the way, your website also indicates that " During these times of COVID, accessing your credit is important. That's why Equifax, XXXX, and XXXX  are now offering free weekly online reports through XX/XX/2021. '' I WANT MY EQUIFAX REPORT.
Product: Mortgage

My mortgage has been transferred to a new servicer three times in 3 years. This latest time, I received a letter on XX/XX/XXXX that told me my bill due XX/XX/XXXX was due to the new servicer, even though I had not yet even received a bill from them. Then I received a " privacy policy '' that says they will share my information freely for marketing purposes unless I jump through several hoops to get it turned off. Oh and by the way, I only have 30 days to do so and their office is only open from XXXX to XXXX if I choose to phone in a change. This is a gigantic pain XXXX. why must I go through this routine every year?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, based on publicity about credit information being freely given out, I put a freeze on my credit reports. 

On XX/XX/2020 I wanted to delete the freeze in order to conduct business with a bank and was able to do so with XXXX and XXXX. However I could not do so with Equifax. I tried to do this on line but could not recall my password so I asked for password reset ; although the computer advised that an email was sent to me, no email was received ( after 3 attempts ). Therefore, I could not complete this process on line. 

I called Equifax and answered a number of questions asked by a computer voice and then spoke with an agent and again gave my information and answered questions. I was then told that I could not remove the freeze unless I mailed in a request along with a copy of a photo ID. 

I do not know why Equifax has a problem. Their refusal to lift the freeze without a mailed request and, I am sure, a significant delay, jeopardizes my opportunity to have an entity check my credit and conduct business with me. I have never asked Equifax to collect information on me and now they refuse to use their collection to my advantage.
Product: Mortgage

I received my statement dated XX/XX/21 and my payment was XXXX higher than any other month. Nothing has changed about my mortgage. I called customer service and have been hung up on several times and been on the phone for over 5 hours with bank of America and placed on hold, no one can explain to me why my payment is higher.
Product: Mortgage

On XX/XX/year>, I opened a support ticket with Planet Home Lendings customer support department. This ticket was opened to address their error in reporting my timely mortgage payments as late to the credit bureaus, thus severely damaging my credit and preventing me from obtaining any sort of financing.

For this support ticket, I provided several bank account statements, from varying accounts and institutions, to evidence my timely payment of each monthly mortgage bill. The bank statements evidenced the following : XXXX payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> After receiving my bank statements, Planet Home Lending dismissed the statements and simply referenced what their records show. To reiterate, I provided statements from varying accounts and institutions for the months paid. It would be incredibly unlikely that these varying banks all have incorrect records. At the very least, this should warrant an investigation into the accuracy of their own records. 

Planet Home Lendings records differed significantly from my bank records as follows : -Their records show no payment for XXXX, despite my bank showing payment on XX/XX/year>. 
-Their records show a payment was received on XX/XX/XXXX. This payment does not exist on any of my bank records. 
-Their records show a payment was received on XX/XX/XXXX, but that this payment was later returned for insufficient funds. My bank records show a payment on XX/XX/XXXX, but the running balance shows sufficient funds throughout the month. 
-Their records show a return of the XX/XX/XXXX payment on XX/XX/XXXX for insufficient funds. My bank records show no return of funds at all, even in the several months that followed. 

Planet Home Lendings convoluted customer support system, slow response time, and insistence on standing by their records in spite of the evidence provided from multiple third party banking institutions has proven extremely frustrating to deal with. Ive made multiple attempts to escalate, and they have provided no recourse for severely impacting my credit despite my timely payments.
Product: Consumer Loan

on XXXX/XXXX/16, I did bill payment from XXXX XXXX serve to U.S bank for auto loan in amount of {$370.00}. XXXX XXXX serve account show my payment was clear on XXXX/XXXX/16, However U.S bank still not received this payment according to U.S Bank. I been call the Both XXXX XXXX and U.S bank almost 2 months regarding this issue. 
Still not resolve. please help me to resolve this issue. 
Thank you.
Product: Debt or credit management

Level One Law did not provide services as promised. Paying monthly for a year a total {$12000.00}, I was charged XXXX in fees and they settled with only 1 of my creditor for {$1100.00}. I am hoping to get the funds in holding. I lost XXXX to this company. They are difficult to reach and I understand the company is currently under litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF XXXX XXXXT. THESE INQUIRIES ARE ASSOCIATED WITH SOMEONE ATTEMPTING TO RECEIVE CREDIT OR OTHER SERVICES IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, Experian and XXXX   stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/2016 # XXXX Bankruptcy XXXX XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

LVNV FUNDING is claiming that I owe them {$100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hi I checked my credit report, and I noticed that there's unauthorized hard inquires and unauthorized accounts. My information was exposed in a data breach charge that I do not recognize and have asked for them to be removed. Also, Navy federal closed my business account for no reason and took {$3200.00} from my account for a old charged off credit card without my permission and I request for my funds back. never received
Product: Student loan

I attended XXXX XXXX XXXX for XXXX. I graduated in XX/XX/XXXX. I am currently XXXX, my term began in XX/XX/XXXX and end XXXX. Part of the deal of being an XXXX is you are entitled to student loan forbearance during your term. I have an account with XXXX XXXX/Navient to which I submitted the standard formal forbearance request/notice to every address I could find and it has been denied. As you may know XXXX make a VERY modest living stipend, just enough to get by and we can not afford to pay our student loans on such an income. The XXXX forbearance is essential to the position and is one of the reason ppl accept such low income for hard work. XXXX XXXX has refused my forbearance despite many attempts. When I spoke with someone on the phone they were very rude and said they 'd never heard of XXXX. How a major student loan company has never heard of XXXX blows my mind and comes across as purposeful. Since that call they have been calling me and my mother XXXX times a day between the hours of XXXX and XXXX and emailing me frequently. The most recent email seemed to posit that the account was now being handled by a collections agency. The account was not in collections before I started my XXXX term and now is because the wo n't accept what I understand to be a mandatory forbearance. PLEASE HELP. I can not afford to pay this loan while in service, doing so would leave me with literally nothing after rent and bills.
Product: Credit card or prepaid card

I have a referral bonus of XXXX XXXX XXXX XXXX ( XXXX ) plus XXXX additional XXXX points awarded to my account. As of XX/XX/XXXX and after several attempts at contacting American Express to resolve and transfer points to XXXX, I am continually being given different issues about why they are unable to transfer. My last contact was thru online chat and twitter direct messaging @ AskAMEX on XX/XX/XXXX. There should be no issues with my account and these points should have been transferred in XX/XX/XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and.credits. This issue aligns with the recent CFPB funding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm trying to Get Equifax to mail me information but they wouldn't even talk to me about. I only wanted to update my phone number. I don't have printer so I need them mailed. They want to charge me. A citizen is suppose to get one report a year free with forms for disputes. HELP PLEASE.
Product: Credit reporting or other personal consumer reports

I am charging that the XXXX largest credit agencies are not in fact providing a positive service as it relates to customer finance. Each of them use business rules and math algorithms designed to maintain the lowest possible consumer credit score. I contend this is done by all XXXX of the bureaus colluding with each other and the lending institutions that use their dubious services to overcharge the consumer with interest rates that are considered usury in most countries around the world. My proof is as follows : 1 ) The time it takes for your score to drop is not proportional to the time it takes to recover those lost points. Ie a " hard '' credit check is performed... ..your score plummets ... .time to recovery for just thinking about taking a line of credit? Months. That is criminal, period.

2 ) XXXX completely different sets of credit rules for businesses and down the street customers. Why is that? Aren't corporations considered individuals now, just like a person? Afforded the same protections but also get special treatment from the credit bureaus. Absolutely criminal.

3 ) The credit reporting circus assumes guilty until proven innocent with no trial or element of due process. I understand it is civil but the penalties for this unlawful practice can cost you hundreds of thousands of dollars in finance charges, be used to determine employability, determine if you have a place to live. Before you deprive me of a constitutional right, there ought to be due process involved. A letter mailed to an old address and XXXX email does not constitute due process.

Recently I had my credit score dropped by over XXXX points while i was waiting for verification of the validity of an old cable bill that magically popped up years after I had moved out of the state. While waiting for XXXX to verify the debt, they immediately reported this with no concern for my credit standing, XXXX accountability, the balance was a whopping {$120.00}. XXXX points on my credit score is worth far more to me than {$120.00}, but of course it will now take over a year to claw those points back because of credit score suppression collusion done by the credit agencies. The pathetic part of this is that it is done under the supervision of your organization. Who decides what is fair for a consumer? I have no faith in a bunch of unelected bureaucrats keeping watch over companies that pay the finance lobby to push through what they deem " fair for the consumer '' What recourse do I have in this matter? Who shall I contact? Who should be held accountable for this fiasco?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numberous request for my credit reports, from all three bureausXXXX XXXX XXXX AND TRANSUNION, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.
Product: Credit card

I purchased cruise tickets using my Chase card because of the built in travel insurance. After we boarded the ship, we discovered that the itinerary had been changed. Instead of travelling to the XXXX, the ship was going to XXXX, to which I did not want to go. I called Chase and asked whether I could cancel the trip and get reimbursed for the cost of the cruise using the Chase travel insurance. The Chase representative said yes, so I left the ship. 
When I filed a travel insurance claim, it was denied. The reason it was denied was because the cruise line offered me " something of value '', so they do n't have to pay the claim. Only if the cruise was cancelled would the travel insurance pay.