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

To Whom it may concern, I completed a dispute regardi ng  XXXX  hard inquires. I then mailed a Multiple Inquiry Removal  Letter  on   XXXX   XXXX   XXXX     at  XXXX  p.m., by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that are being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX   The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for all inquiries that have be en disputed which was " Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response not once but TWICE 2-4 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. It appears this company has a generic response to these dispute investig ations. I am planning to purchase a home this year and having this many inaccurate inquiries on my credit report can display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does NOT belong to me. I did not sign for  ANYTHING.  This is unfair practices by a credit reporting agency with NO concern for the credit worthiness of a consumer.
Product: Student loan

I attended XXXX College XXXX XXXX for my XXXX degree in XXXX XXXX, XXXX  as an out-of-state student from XXXX to XXXX. I borrowed $ XXXXyear for tuition and living expenses for four years. Upon graduation, I moved back home in XXXX XXXX, and I enrolled in an income-driven repayment plan for which I made timely payments automatically deducted from my bank acct without any missed payments. I trusted the loan servicers, Sallie Mae and Navient, thinking they were handling my federal loans correctly, but lately have become increasingly suspicious of errors or even fraudulent practices. My principal jumped up to the current amount of ~ $ XXXX when I borrowed $ XXXX. My monthly payments have been significantly increasing every year by up to {$400.00}, despite having a pretty steady income and having two babies since graduation. I did not opt for the plan that increases payments as I work. Now I am paying almost $ XXXXmonth when my take-home income has been ~ $ XXXX/month. It is difficult to support my family and impossible to save when coping with a student loan payment thats higher than my mortgage, which has an even higher principal! I called multilple times to inquire about my loan calculations, and I never got clear and straight answers. The reps always seem to be new on the job, consistently placing me on hold to ask a supervisor to answer my questions. In response to why my principal is so much higher than what I originally borrowed, they just say its because of accrued interest. And in response to why my IDR payments increased by $ XXXXyear when I just got a newborn and no change to my income, rep tells me hes not sure, but probably due to the calculations with the poverty line. I also receive yearly email notices around this time of year to renew my IDR plan by XXXX. However, whenever I try to do so, their system doesnt allow me to and reps tell me its too early to reapply until XXXX or XXXX, when its almost the end of the year. Whats the meaning of the conflicting deadlines? Ive been meaning to make a complaint or seek help reviewing my loan calculations but wasnt sure who else to turn to. Lately Ive been hearing that Navient is now under investigation for unfair practices and I genuinely feel I am a victim! Please advise. Thank you!
Product: Mortgage

I called Amerisave Mortgage on XXXX/XXXX/2016 and spoke with XXXX XXXX, a Loan Originator. He assured me at that time he could and would get the loan closed. Initially the loan received an automated underwriting approval. Since then, the loan application has been declined 3 times with no explanation as to why it has been declined. When the initial credit application was taken, my credit score qualified for premium financing. They ran my credit a 2nd time within 30days which reduced my credit score and caused me to be disqualified for premium price financing. I have reached out the XXXX XXXX manager, XXXX XXXX several times and he HAS NOT responded to me at all. I have contacted the loan processor, XXXX XXXX, and he has not responded to my email or returned my phone calls. I have also contact customer service and was told a manager would call me back within 24 hours and I have not received a call or email response from anyone. At this point, I have spent {$75.00} getting documents signed and Notarized only to receive an email stating the loan has been declined again with no explanation. I have been requesting a call back since Friday, XXXX/XXXX/2016. XXXX XXXX replied on Monday stating he was out sick and would have his manager call with the reason for the decline & I have yet to receive a call or response from him. I believe I am being discriminated against or RED LINED.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

I opened up a TD Premier Checking account for its current promotion : Earn {$300.00} when you open a TD Premier/Relationship checking account and receive direct deposits totaling {$2500.00} or more within 60 days. Website of the promotion is https : //www.tdbank.com/checking-aff-incentive-55/ I completed the direct deposits requirement within 60 days but never received the {$300.00} promotional bonus within 95 days from account opening.
Product: Mortgage

On XXXX XX/XX/2021 I filed a complaint against Specialized Loan Servicing, complaint number XXXX. 

They responded on XXXX XX/XX/2021. Their response was, that the account was paid in full on XX/XX/XXXX, XXXX and they were in the process of refunding {$100.00}, for the six days from the closing date of XX/XX/2021, to the payment in full on XX/XX/2021, and the late fee of {$71.00} will be refunded. 

First, I got a XXXX mortgage bill on XXXX XX/XX/2021. Second, as of date, I have NOT received my refund, and third, nothing has been reported to the credit bureau that my account is paid in full.
Product: Student loan

AES/PHEAA closed the previous complaint. Re-opening as a new complaint. This complaint is not a duplicate because they never resolved any of the concerns related to that complaint. 


We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Past inquiries were made to AES/PHEAA to prevent certain AES/PHEAA employees from accessing my information. This is my right to prevent any targeting against me by any AES/PHEAA employee . Any employee encounter that I've had at AES/PHEAA where the employee raised their voice, had tones of sarcasm, tried to bully me or tell me what to do are hereby barred from accessing my information indefinitely. Any attempt to access my information by any one of these employees will be seen as an act of retaliation or defiance. I may occasionally send Freedom of Information Act requests to force your Agency to provide security details as to who has accessed my information or if that information can only be privileged to Federal Agents, I may engage an attorney to obtain that information. Unfortunately, because of the incident that occurred in the past with an employee by the name of XXXX, I can not trust your Agency to employ the right individuals to protect my information or keep it from getting into the wrong hands. This is a serious demand and I would strongly suggest you oblige. I would also strongly recommend screening some of these employees for mental health issues or substance abuse. It is not normal for employees who are supposed to act professional to act the way they have in the past or that way at any time in the future. Thank You.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Student loan

MOHELA in late XXXX and was told my loan payments made over the time of Covid dating back to around XX/XX/XXXX or XX/XX/XXXX of 2020, would be refunded within 45 days as per my request. I have yet to receive any of the money back despite having contact them several times by both email and phone. It is imperative that they return the money back to me because as it stands, I am in desperate need that money. They do not have the right to hold the money any longer, and it frustrates me beyond words to know that theres still holding onto it, not making any effort to pay it back.
Product: Checking or savings account

I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/2023. Amount is : {$1900.00}. See confirmations. I had the funds in the account but the recipient did not get it. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you.
Product: Credit card

My dad paid for all his debit card. The purchases were already made. The payments were already made, but they decided to take it back after a conversation I had with them. My dad and I got into a huge fight and asked them to close the accounts.In addition to this they also took back payments, that were already made. This added {$10000.00} to my account and much was already paid for. They also told me there was no way to give back the money so i wasnt expecting this. I am only XXXX and I cant afford to pay this much.
Product: Mortgage

My partner ( XXXX XXXX ) and I applied for a mortgage refinance. XXXX was removed from the application. We were not given all the information on that. Then I was denied for " Unacceptable type of credit references provided. '' I don't know what that means.
Product: Mortgage

Suntrust is saying I didnt make any mortgage payments on 2020. The only payments they provided that supposedly I made were only 2 pages of 2 payments. My payments were late but rent was paid. I have tried talking to the bank but they keep saying that I havent paid rent for the year 2020.
Product: Debt collection

CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill
Product: Debt collection

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I was with Wells Fargo for a while then suddenly they closed my account and would not give me a reason. my account was always in good standing this affected my company. I'm a small business owner.
Product: Credit card or prepaid card

This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.
Product: Debt collection

This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$29000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me XXXX  credit the entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let Elan run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across 7 cards with 3 perfect ( XXXX ) XXXX  Bankscore 8 credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of individuals dating in concert with XXXX  who have created, perpetrated and carried out a credit fraud scheme and synthetic identity theft that transcends the existing system for the purpose of personal gain and international coercion. These individuals have had illegal access to XXXX XXXX XXXX credit file and have been able to place accounts and other remarks on my report to act adversarially towards him while gaining ie obtaining of property and monies using this system. To my knowledge they are also controlling my physical and electronic communication meaning they are mail men and postal employees as well. I have had several credit monitoring services such as XXXX AND XXXX where this has taken place. I believe that there is a XXXX XXXX  and others from XXXX XXXX and the XXXX  and XXXX  who have been brokering and selling points to people. Plaintiff 's latest attempt to maintain his credit and identity and his use of XXXX XXXX services has produced the same result. After purchasing XXXX I observed several behaviors that repeated. They have added a company named XXXX XXXX  on an account paid in full as part of this scheme to monitor my credit illegally from this individual with access to my credit and who are fabricating my credit scores. This company is a front and ha been added as part of a scheme to control me socio economically from XXXX XXXX, This company has refused to respond to my notifications as well as your agency. the attached credit scores are fabricated and they are preventing me from Equifax as well as XXXX.
Product: Credit card or prepaid card

XX/XX/2023 Dear Sir or madam : This last week I was overcharged on my Direct Express Card to the tune of about XXXX dollars while renting a motel, foolishly I did not seek a receipt upon renting the room ; there could be no reason to have had this happen because the rent for the room is only XXXX dollars a night ; twice out of the 5 days that I stayed at the hotel I was charged over XXXX dollars a night ; on the XXXX and the XXXX of XXXX, a XXXX dollar charge on the XXXX and a XXXX dollar charge on the XXXX ; I have had this problem of overcharges with this XXXX XXXX XXXX Direct Express company many times in the past and frankly I believe this company to be an criminal acting menace to the society with many methods of making the complaint and verification process so utterly despicable and unfriendly that there is no hope of remedying their overcharges other than attempting to get government action against them. 
Could you please help me to recover this money? I don't know what else to do about this lousy company and its practices of fraud. 

Its no wonder inflation is so high. 

Respectably XXXX XXXX
Product: Credit reporting

I went into XXXX without insurance in 2012 for what I found was a muscle spasm. I was discharged the same day and received a bill for {$560.00} from XXXX XXXX XXXX ( original creditor ) for their emergency services. My family was financially unable to pay that account and the account became delinquent and was reported to collections. XXXX XXXX XXXX ( original creditor ) also had charged me for the XXXX visit since their physicians were not employed by XXXX. I never received a bill from them nor did I know they would impose an additional charge for my visit. Because I did not know about this account, it was sold to a collections agency and has been sold back and forth multiple times. This makes it extremely difficult properly address the agency that owns that debt. Back in 2012 I was not properly informed of XXXX 's financial assistance program ( for which I would have undoubtedly qualified, as I presently qualify ). I recently applied for financial assistance with XXXX and was approved for full assistance. They removed all responsibility for the amount owed. Under XXXX policy and Federal guidelines, adjustments made as a result of financial assistance are also applicable to amounts billed by partner companies, such as XXXX XXXX XXXX. I tried contacting XXXX XXXX XXXX to inform them of this adjustment, however they were unable to provide any assistance since they no longer owned the balance I previously owed them. As stated, it had been sold to credit agency after agency. It is my aim to remove the unpaid status from this debt of {$570.00} through the presentation of XXXX 's charity letter and adjustment sheet attached. I would also like to remove both negative information entries originating from XXXX and XXXX XXXX XXXX as delinquency arose from unfamiliarity with hospital policy and financial instability ; not neglect or indifference. 
Having both of these accounts show up on my credit reports has been financially distressing and emotionally stressful. As a recent graduate I am eager to join the consumer market and build my credit. This incidental information has deterred progress toward building my creditworthiness but I have been persistent in obtaining credit through federal loan programs and other minor credit lenders. I ask that CFPB review the attached documents and settle my dispute fairly.
Product: Student loan

XXXX XXXX. 
~ {$150.00}. 
I was on vacation in Colorado with no service. Postedponed making payment until I had service. I forgot all about it and never paid until next time. I have proven that I can consistently make payments not only before the incident, but after as well. I have not missed since. I wanted to see if it were possible to somehow forgive this incident.