23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I disputed a charge with XXXX  claim number XXXX amount XXXX. I moved me and my daughters furniture from XXXX XXXX XXXX XXXX. Upon arrival my things were wet & broken and had to be thrown out. Due to this I submitted a dispute since XXXX wouldnt help. My bank was supposed to do an investigation and ultimately denied my request due to previous transactions. No investigation was done they just looked at my accounts negative balance and denied me. When asked for proof they to from XXXX to XXXX even though they were asked multiple times for documentation as to why the dispute was denied. Next I had a incident where I attempted to rent a car here in XXXX  but was turned away the place XXXX  says they dont rent to XXXX XXXXXXXX but it doesnt state that one the XXXX website nor did they offer me my money back. I was told at XXXX  to contact XXXX and XXXX told me to contact XXXX So I went to my bank for a dispute claim id XXXX total amount XXXX they claim they did a investigation and it was found that I actually did get a car which is false I appealed and sent a picture of the document that was given to me at the XXXX location and my claim was still denied. I believe I am being treated unfairly because I usually file disputes when I have a issue which is often.
Product: Student loan

Sir/Ma'am I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I am a XXXX XXXX service member in the XXXX since XX/XX/XXXX. My consolidated student loan was initially handled by XXXX. I was switched over to XXXX XXXX in XXXX. 

Since being switched over to XXXX  XXXX I have submitted proof of XXXX XXXX service multiple times and have submitted verification of my employment status to receive the most up to date qualifying number of payments towards my student loans. I noticed a discrepancy in the number of payments credited by XXXX  XXXX XXXX in XXXX towards the Public Service Loan Forgiveness program. All the payments I made to XXXX between XXXX and XXXX were never recorded as qualifying payments ( please find attached ). I have brought this to the attention of XXXX  XXXX   and requested a review of my payment history in XX/XX/XXXX. 

Since submitting the review request in XX/XX/XXXX I have tried to follow-up multiple times but have not received any feedback when the payments will be incorporated and credited to my account. I was initially told by the loan officer that the review takes 90 business days. However, after my last conversation in XXXX that time line has been disregarded and no situational awareness appears to be present as to the status of the review. 

XXXX XXXX has had a history of not calculating or making errors in managing the payments made towards the public service loan forgiveness program. Therefore, I am trying to be proactive and have the service provider fix any discrepancies as close to the source of error as possible. Thank you for your consideration.
Product: Debt collection

a collection account popped up on my credit report coming from original creditor XXXX XXXX XXXX  in which I went to court for an eviction. I no longer owe this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a Navient representative. I was also informed Navient only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. Navient has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. Navient has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to Navient and no response. Navient has only reported this to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Equifax 's lack of proper security allowed my personal information to be compromised 2 ) They did NOT let me ( or any of the customers! ) know when the data breach happened so that I could take proactive steps ; they only published it weeks afterward ( based on their statement of XXXX-XXXX-17, the breach happened on XXXX-XXXX-17 ), so my SSN, addresses, credit score, and other personal details have been at risk without my knowledge 3 ) The " compensation '' offered is in the form of one year of free credit monitoring ( XXXX XXXX ) which will not cover the lifelong risk of my SSN and other details being compromised 4 ) There is a hidden statement in the enrollment terms for XXXX XXXX that enrolling will waive my right to file a suit against Equifax, which is not accessible except by looking at the terms of service of the site itself. This is completely disingenuous on the part of the company 5 ) The only step for me to take to protect myself from Equifax 's data breach, at this point, is to pay them {$10.00} to freeze my credit XXXX {$30.00} total to freeze across all bureaus ). I should NOT have to pay THEM to protect myself from their bad business practices! 

This whole thing has been handled very poorly and possibly illegally by Equifax, putting me and millions of others at risk without timely and appropriate communication and attempts to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI FINANCE HORRIBLE CUSTOMER SERVICE a young girl totaled my car XX/XX/XXXX, XXXX XXXX pd off lease XX/XX/XXXX in the amount of {$17000.00}, deductible in the amount of {$510.00} bill received by me XX/XX/XXXX, Hyundai cashed it XX/XX/XXXX, They are showing the loan and non payment on my credit report with the credit bureau. They told me I need to submit a dispute, in writing, by mail. They purposely give no fax or e- mail address for customers to use. They will not fix the problem they created. Supposedly once they receive it, it will take at least another 3 months to fix with the credit bureau. Funny how they immediately file the lease or loan, but can not fix the problem they have created. I only found out about it as I was applying for a home equity loan, this problem dropped by credit rating over 100 points. I have settlement on a property XX/XX/XXXX, and is creating a real problem. I asked the representative from Hyundai Finance to e mail me the address with instructions as to how to file it with them, she would not. They have my e mail address with my account, they would contact me when my payment was due, and when they received it. 
I really doubt they would fix the problem even with a request in writing, it would just be lost in their mailroom.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding certain accounts on my credit report. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm only going to describe information pertaining to Experian and XXXX. I've already completed the XXXX XXXX part. Refer to my Attachments to see the entirely complaint. I sent my first dispute letter dated XX/XX/2022 to XXXX, Experian and XXXX stating that I never had a contract with this debt collector for any debt pertaining to XXXX XXXX XXXX. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I received an email from Experian pertaining to the dispute pertaining to XXXX XXXX XXXX. I logged into my Experian account and read that XXXX XXXX XXXX has certified to Experian that information is accurate. This item was not changed. My question is who telling the truth. Experian respond very quick stating that this item was not changed. But XXXX XXXX XXXX needs more time to investigate. I received a letter/credit report from XXXX dated XX/XX/2022 stating that they Verified this item belongs to me. My dispute letter requesting proof that this debt collector can legally collect on this alleged debt. All three credit bureaus investigation stated as verified. Experian and XXXX also did not do a proper investigation. Validation and Verified are two different scenarios. Experian and XXXX continue to allow XXXX XXXX XXXX to report onto my credit report. Along with this letter are the following evidence listed below XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 sent to all three credit bureaus pertaining to XXXX XXXX XXXX. 2. Certified mail/ tracking numbers sent all 3 credit bureaus. 3. Credit Reports from all 3 credit bureaus.4. A report from the Better. I am requesting that this account be removed from my credit report and I am seeking monetary damages in the amount of {$1000.00} per violation from XXXX XXXX XXXX in failing to produce information per consumer request in a reasonable time by law. And all 3 credit bureaus : XXXX, Experian and XXXX failure to properly investigate my request, instead, all 3 bureaus verifying my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things.
Product: Debt collection

I get phone calls daily. They cost so many times from so many different numbers they never give me any kind of amount that I owe I'm not in debt at the moment and have not been in years I have so many phone numbers I can't even list them here they do not even come in from a direct business when I try to call them back it's not a working number and it's so bad I can't even have my ringer on during the daytime because there's so many calls coming in
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has opened XXXX loans virtually in my name on XX/XX/XXXX and XX/XX/XXXX - both which I learned about only after defaulting 30 days and effecting my credit. Affirm never notified me of a new loan or ran my credit for authorization.I also didn't realize this bc my payments are made automatically through my bank. I have filed a dispute with Affirm ( case # XXXX ) and with XXXX for this to be removed I opened my first loan with Affirm 5 years ago and they never help with reimbursements or help if there's any merchant dispute. The concerning part is that I have talked to Affirm to make sure my loans were in good standing right before I was notified about the 30 day late. This company does not insure their clients. I had a merchant send me a defective product- I disputed it for years and they never reimbursed me. I was never able to use the device- Affirm took {$800.00} from me for the product and never protected me. I will be paying off any debt I have with them and never use them again. They're quick to take the money but not protect and reimburse or do the right thing when its time to.
Product: Credit reporting or other personal consumer reports

This complaint is my personal submission. A review of my credit record revealed late payment entries. I sent letters about this over 30 days ago but have received no response, nor any satisfactory validation. I'm seeking your help to resolve this issue.
Product: Mortgage

Due to a glitch at the State of VT dept of taxes my tax amount was incorrect on my property tax bill. I informed Roundpoint on XX/XX/XXXX that it was not correct and NOT to pay until I had the corrected tax bill. I received and submitted the correct bill, and Roundpoint ( after several reassurances said they have it and its correct ) STILL payed the higher amount which is not correct. They have sent me 5 escrow analysis statements raising my payment by almost {$400.00} and the tax info is still incorrect because they paid the wrong amount. I have asked what the problem is, with no resolve. I have also asked twice now for a manager or director to call me and have not received a call ( even after the notice that it can take 72 hours for someone to contact me ). This is a financial hardship to have to shell out an additional {$400.00} a month, which is going to impact my ability to remain current on my other financial obligations. All something that is not my fault and out of my control and with a mortgage company that has no desire to work to correct the situation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a credit reporting agency, for failing to update my personal information on my credit report, despite multiple requests. I believe Experian is not complying with its obligations under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and updated records. 
The specific inaccuracies in my personal information on my Experian credit report are as follows : Incorrect Address : My correct address is [ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ALABAMA XXXX ], but Experian continues to list my outdated address XXXX XXXX XXXX XXXX ALABAMA XXXX, XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX Incorrect Name : My name is incorrectly reported as [ XXXX XXXX, XXXX XXXX, XXXX XXXX ], rather than my legal name, which is XXXX XXXX XXXX. 
Other Incorrect Personal Information : There may be additional inaccuracies, such as an incorrect date of birth or other personal details. 
I have already contacted Experian on multiple occasions requesting that these discrepancies be corrected, but the information has not been updated. Despite my efforts, the outdated and incorrect information remains on my credit report, which I believe violates FCRA Section 607, which mandates that credit reporting agencies must ensure that the information they report is accurate and up to date. 

Additionally, under FCRA Section 611, credit reporting agencies are required to investigate disputes when consumers report inaccurate or outdated information. In this case, Experian has not made the necessary updates or corrections to my personal information despite my repeated attempts to resolve this issue. 

As I have exhausted all options with Experian and the incorrect information continues to appear on my credit report, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that Experian complies with its obligations under the FCRA.
Product: Mortgage

I had a mortgage in XXXX with TIAA XXXX. The loan was transferred in XX/XX/XXXX to XXXX. In XX/XX/XXXX the company said I had to pay an additional {$100.00} because my escrow was too low because they had an additional sewer tax that was not included in the initial escrow calculation. I paid the additional amount for the mortgage that month and saw that my escrow had increased {$31.00} per month due to the sewer tax. At the time, I was dealing with a death in the family and did not research the sewer tax. 
When I received my new sewer tax in XX/XX/XXXX I called them and asked if they were paying this. They said yes. In XX/XX/XXXX XXXX XXXX sent a letter to me saying I was in arrears for the sewer tax. It was never paid. I paid the sewer tax for XXXX. When I paid it, I noticed that I had paid the sewer tax in XXXX as well. The bank never paid a sewer tax on my house ever, yet they increased my monthly escrow amount and made me pay an additional {$100.00}. 
When I called them on XX/XX/XXXX and asked for a review of the escrow account to remove the sewer tax in the calculation, it was denied because of my loan to value ratio, which has nothing to do with the sewer tax. They claim they sent me a letter indicating this but I have never received a letter from XXXX about my escrow account. I did not learn about the denial until I called them today, XX/XX/XXXX. 
In addition to this error they had another error as well in my escrow account online indicating my previous escrow amount was {$550.00}. It was not. It was {$410.00}. According to the customer service rep, that was because they were adding the {$410.00} and the {$100.00} that I paid ONCE, and used that as my old escrow amount. When I pointed out the error I got a laugh. 
I don't find the errors in my escrow account funny. This is not the first time a bank has not been able to add correctly for escrow. Seems to be an industry thing that they steal from people who are unaware that banks can't add.
Product: Mortgage

I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Product: Checking or savings account

I went to the atm on XXXX, at XXXX  XXXX. I was supposed to get a withdrawal of XXXX but they only gave me XXXX. They took the whole XXXX from my account and I didnt receive the money from the atm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was back in XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is XXXX XXXX. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked XXXX for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the XXXX and XXXX add a late fee each month. The value of my single family home is {$370000.00} and I have a first balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for XXXX XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. XXXX has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.
Product: Debt collection

AARGON COLLECTION AGENCY REP CALLED AND TOLD ME IF I DIDNT START MAKING A PAYMENT PLAN ON {$36.00} MEDICAL DEBT THAT I WAS NOT AWARE OF AND HAVE DISPUTED I COULD BE ARRESTED AND SUED AND MADE TO PAY BY BOTH FINES AND IN IN PRISONED ALSO I DID SOME DIGGING THEY HAVE ME OWING MEDICAL DEBTS FROM OVER 15 YEARS AGO THAT SHOULD HAVE BEEN DELETED BUT THEY KEEP BUYING DEBTS AND CLAMING THER NEW WHEN THEY ARE WELL OVER 15 YRARS OLD AND SHOULD HAVE BEEN DELETED AFTER 7 YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had multiple hard credit inquiries titled 'Capital One Bank , USA ' not made by me. I also have an XXXX account which I did not create
Product: Mortgage

My wife and I applied for a mortgage loan last year with  XXXX   XXXX  at   XXXX   XXXX   in  XXXX , WA. After providing all my paperwork, I was approved for right around {$240.00} on a Conventional Mortgage Loan. I began working with an agent names  XXXX   XXXX , who assisted me with finding a property. The home we found was listed for {$240000.00} but we needed our closing costs paid so we offered {$240000.00}. This was a push on my file and debt ratios and I barely qualified. When my wife and I saw the monthly payment, we immediately expressed grave concerns to ou r Loan Officer and Real Estate Broker  and said we werent comfortable with it. Regardless, they continued forward with the process and ordered the appraisal while assuring us that we would be fine with the payment. After attending the required class for Homebuyers using down payment assistance programs, I learned more about mortgage loans and the importance of not putting yourself in a position where youre house poor. After much consideration, I reached out to  XXXX  and  XXXX  and told them that if the payment could not be reduced I was not comfortable going forward. Instead of working with me on it, they sent me a form to sign and said I would not be getting my  Earnest Money  back.     My wife and I feel it is unfair that we lost our Earnest Money of over {$2700.00} because we tried hard to let our Loan Officer and  Real Estate Broker  know ( multiple times ) that the payment was too high. In addition, after signing the recession form and forfeiting my  Earnest Money, I  realized that the lender didnt include the child support payment I am obligated to pay and therefore I should not have qualified for the loan to start with.     We strongly feel that we were coerced into buying a home that we explicitly stated was too expensive for our budget. We feel that our  Loan  Offer and Agent were both using extreme force and ignoring our concerns to get our loan closed and get paid. If you can please address our concern at your earliest convenience we would greatly appreciate it. The loss our  Earnest Money  has been truly devastating to us and we feel it was not warranted. It is our hope that you can assist us in getting it back.