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

I've noticed several unauthorized hard inquiries on my report. Equifax advised me to contact the companies responsible for these inquiries, but they're not responding or either told me to contact the credit bureau which would be Equifax! Equifax then told me to file a police report, which I highly disagree with. Equifax should obtain the document with my signature authorizing these inquiries, which I never gave. Despite hours spent writing and calling, Equifax response remains the same : " Inquiries are a factual matter, '' which is incorrect! I request a thorough investigation into this matter to verify the validity of these inquiries and provide documentation of my authorization, if it exists. Please respond in writing within the timeframe specified by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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, has violated my rights. 

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 an account without my written instructions.
Product: Mortgage

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 XXXX XXXX Loan Officer Flagstar Bank Consumer Complaint Division ( if you have no specific contact ) Regarding account number : XXXX Dear XXXX, On XX/XX/2020, I received an initial disclosure and loan estimate to refinance a mortgage loan. As the first estimate, it was stated that the loan would close within 45 days upon the submission of the required documentation on my part. The documentation was submitted within the requested timeframe. 

Unfortunately you have not being able to fulfill this loan within the initial disclosure time. The disclosure time has been extended four times with the last extension loan estimate being closed on XX/XX/2020 and additional loan fees of almost {$2000.00}. This is not acceptable. Because this is still ongoing and the current interest rates are lower, the loan would be less if it reflected todays interest rate. We have also had to postpone other business obligations that have accrued even more costs for us. We are extremely disappointed that this is taken almost over six months to close this transaction. We request a lower loan cost that reflects todays much lower interest rates and final closure of this process for the loan by XX/XX/2020. 

We look forward to your reply and a resolution. I will wait until ( XX/XX/2020 ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address in my signature or by phone at XXXX. 


Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late?

Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report TAX LIEN Ref # XXXX this lien was withdrawn last month, there is no record of it in the courts, please delete
Product: Student loan

Loan servicer EdFinancial is engaging in fraudulent activities, misrepresenting information, and not disclosing information regarding the repayment process for loans for borrowers with active Borrower 's Defense cases. EdFinancial is purposely misleading borrower 's in order to pro-long the period in which interest will accrue on the loans they are servicing. 

See attachment for full explanation of issue explained to FSA Ombudsman. 

CFPB complaint was previously filed earlier this month, this complaint includes substantially more background. 

Complaints also submitted to XXXX, OIG, and MA Attorney General Student Loan Ombudsman.
Product: Mortgage

am almost positive I am being steered. I started my loan modification process over a year ago and they keep pushing it back and denying me loan modifications. XXXX has told me they would be changing my fixed rate 4.25 % to 5.3 % and lowering my monthly payment by {$70.00}. I have applied for loan modifications so many times and each time they have a new reason why they are denying me. Something is not right. I am down to my last few option, but I know something is not right. I am complaining everywhere because this company is trying to take my home because of all of the equity I have in my home. They have been making it hard for me to afford my modification and they are always considering things into my monthly payment that I am not paying for. I have had it. I need to get people involved who can truly help me in this matter. XXXX XXXX XXXX knows of what XXXX  has done to me. During all of my loan modifications over the last year or so, XXXX has not be properly reporting to help me save my home. They simply want to take my home. 
Why are they telling me information regarding what the interest is GOING to be? So many things wrong here. They need to be stopped. 

Last year I was doubling up on mortgage payments to get caught up and when I lost my job and was only two months behind they never told me anything about a loan modification process. They just kept allowing me to get further behind. This has been the worst time of my life. How does it help the home buyer to raise the rate and only reduce payments by {$70.00} dollars. They are steering me. They want me to foreclose so that they can have my equity.
Product: Debt collection

In XXXX, I returned a phone to XXXX XXXX XXXX. Tracking information showed it was delivered, customer service agents and employees at the receiving center confirmed the phone was returned, but XXXX XXXX XXXX claimed they never received it and sold the debt to a collection agency in XXXX. 

I promptly disputed this debt with XXXX, and quickly won the dispute, because I provided evidence showing XXXX XXXX XXXX had in fact received the phone ( tracking information, a copy of the return label, transcripts with XXXX XXXX XXXX reps admitting the phone was received ). The collection was immediately deleted. The collection agency was XXXX XXXX XXXX of XXXXXXXX XXXX 

Fast forward XXXX years to XXXX, the debt AGAIN is showing up on my credit report, this time with CREDENCE RESOURCE MANAGEMENT of XXXX, XXXX The debt amount is XXXX dollar less than last time ( {XXXX XXXX XXXX ), and is heavily weighing down my credit score. I will be pursuing legal action if it's not removed immediately.
Product: Credit card

I got a hard inquiry yesterday, XXXX XXXX XXXX, from Capital One. I did not apply for any lines of credit nor did my wife. I think my info is on the dark web or something
Product: Student loan

I make my payments every month in full amount, before the due date. However, the principle balance is going up instead of gowing down and my payments are not applied correctly. I pay XXXX per month, my interest occrued minthly is about 77.00 but they apply more towards interest and less towards principle. This is illegal. Every time i call nobody can provide exact math explanation on how they calculate how much to apply to pc and interest. This is 5th year i am trying to find out what is going on. They simply stealing my money every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORTING. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). I HAVE ALSO ATTACHED MY IDENTITY THEFT POLICE REPORT REGARDING THIS ACCOUNT. 

I NEED THE VIOLATION OF THE FCRA ADDRESSED AS MY XXXX DATED DISPUTE LETTER WAS SENT CERTIFIED MAIL BUT WAS NEVER RESPONDED TO IN THE FORM OF AN INVESTIGATIVE RESULTS REPORT. THE ACCOUNT LISTED BELOW WAS IN THAT DISPUTE, BY VIOLATING THE ABOVE DEADLINE DATE OF XX/XX/XXXX20, WHICH IS INDEFENSIBLE, YOU ARE COMPELLED TO DELETE THE BELOW LISTED ACCOUNTS IN ADDITION TO THE IDENTITY THEFT POLICE REPORT THAT I HAVE SENT ON 2 PREVIOUS DISPUTE LETTERS. 
IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX20 XXXX DELAY TACTIC LETTER.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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: 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 XXXX XXXX XXXX. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX? XXXX Has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling XXXX XXXX XXXX, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for morgage they pull my credit without telling me what they was going to do now I have XXXX hard inquire
Product: Mortgage

Company name : Specialized Loan Servicing Company website : sls.net After receiving the payoff quote for my mortgage, I was charged {$25.00} per attempt for the payoff quote. I had to try a few times because the website was not working properly in one instance, and in another, I had to request a new payoff quote due to time elapsing.

It was not disclosed that I would be charged for the payoff quotes anywhere on the website that I found. There is a screen with checkboxes on it for verification for the terms of the payoff quote, and no charge was disclosed there. The FAQ section of the website also has no mention of a charge for a payoff quote. 

I discussed with a few operators and no one could definitely tell me they would add the disclosure. 

Attached is a screenshot of the website.
Product: Credit card or prepaid card

I logged onto the Capital One website on XX/XX/XXXX to make a payment because I knew a payment was due, but I had lost my statement. I knew it was due the XXXX or XXXX. Once on the website, I set-up the payment for XX/XX/XXXX as it was XXXX XXXX on XX/XX/XXXX. I received an email confirming that the payment was set-up for XX/XX/XXXX. The next email I received was on XX/XX/XXXX to inform me that the payment processed on XX/XX/XXXX. However, today I received an email from Capital One that stated the following : " Your payment is past due -- please make at least your minimum payment today.
<P/>
About your account ending in XXXX XXXX, It looks like you may still owe the minimum payment due on your account as of XXXX XXXX. ET on XX/XX/XXXX. Your card transactions may be declined if your account is n't current.
<P/>
If you 've made a payment that meets your minimum amount due, you 're all set. Otherwise, you can make a payment online or pay directly from your Capital One Mobile app.
<P/>
Thanks for being a Capital One customer. '' This email came to me after I received an email that the payment had processed and the transaction section on the website showed that the payment processed on XX/XX/XXXX. In addition, a late fee was added after I scheduled a payment as there was no late fee on my statement when I logged onto the website & paid the bill on XX/XX/XXXX at XXXX XXXX. I would have simply added it to the the amount due. This evening when I logged onto the chat service, I chatted with two individuals XXXX & XXXX, in that order. Neither of these representatives would answer a single question. They attempted to transfer me to other departments to avoid answering my questions, XXXX informed me that my account had been restricted. I would not be able to use the card in order for Capital One to investigate the matter. It was presented in a way that made me feel the company needed to buy so time to figure how to deal with me as I had informed them I would be filing a complaint. I have all the emails related to this matter saved, included in those emails the dates and times, should they be needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error with Experian two different times and even with proof of inaccurate reporting, they will not remove the account from my report. I sent a dispute letter to Experian XX/XX/XXXX. This was my second attempt at trying to have the inaccurate information removed from my file. I explained to Experian that I had previously reached out to the company ( XXXX XXXX ) to whom my dispute pertains and was provided a copy of the so-called contract I signed with them. I forwarded all of this information, along with my reasons for dispute. Experian has for the SECOND time refused to delete this account ( although inaccurate ) from my report and will NOT share with me how the information was proven and deemed accurate by their investigation. I have attached copies of all paperwork and will also share with you the reason why I feel the information is inaccurate and should be deleted immediately : See page 1 : How was " accuracy and completeness '' determined? Why can't results of investigation be shared with me? 
See page 2 : Experian simply updated the information contained in the report from balance of {$1000.00} to {$1000.00}. Where's the proof of this? Experian was specific enough to increase the dollar amount by {$3.00}, they must have information that proves this ... share! Also, please note one area of the report states {$4000.00} owed, but another area states credit limit or original amount {$490.00} ... which is it? 
See page XXXX : If debt belongs to me, where are the last 4 of my ssn ( it's listed for the other party mentioned in the contract on pg.4, where's mine? ) See page 4 : Spelling of last name inconsistent See page 5 : Every page states " SOP '' which I have learned to mean signed over phone. My signature is nowhere on the contract! If SOP was used, prove it by providing recording of that supposed phone call. How can I be held liable for a contract that I NEVER signed!? 
See page 6 : In description of transactions, where is my name listed? Why am I not included/listed as a member? In addition, according to credit report " date opened '' is listed as XX/XX/XXXX, however page 6 shows transactions dating back to XX/XX/XXXX ... that's almost a full year 's difference. 

This entire report is filled with inaccuracies. Nothing being reported is true and it is hurting my credit standing and rating. In my opinion, just another cheap ploy by the credit reporting agencies to keep them in business. Experian is the only party that gains anything by reporting false information!
Product: Mortgage

My husband and I are having trouble understanding why did our mortgage company decided to extend our terms of our loan without our authorization. We did not know this until we realized that our payoff amount was too much! Wells Fargo Home Mortgage used a routine but, little notice form to sneak through mortgage modifications on unsuspecting homeowners. Our original loan was XXXX dollars and now its XXXX dollars plus escrow is XXXX as well as almost another XXXX to pay off our loan. That 's double the amount of the original loan. They modified the loan years ago and they did it to benefit from adding more years to the payoff time to get extra interest income generated by longer home loans. They asked us to pay three payments for a permanent loan modification, but that did n't happen.They foreclosed on our home and had a sale date. We had to file a chapter XXXX to save the home because our lender would not give us any options because they, said we owed too much on the loan. They are the reason why we owe this much! the HAMP program is being used by this company and others to collect cash from the government and to eventually foreclose on peoples houses, and make it harder to recover. I need them to explain the hidden fees, and I believe that they have set us up to fail, and that we are worse off than before. I want them to try to find a workout plan for us, who have fallen onto hardships and had a XXXX in the family, as well as loss of income do to XXXX. They are not helping people, but making money from the hardships of homeowners. They make {$1500.00} per modified mortgages that eventually ends up in bankruptcy. We are in bankruptcy now, but the payoff is not correct. They are not using the HAMP money in the right way.. Wells Fargo Home Mortgage is ripping home owners off, and the people who regulate them are not doing a good job of protecting the homeowners. We bailed the big banks out, but who is bailing us out! They are getting rich off the backs of poor and middle class people. Why do we have to fill out stacks of paper exposing our privacy, but the banks hold back everything that they do n't want the public to know. If we just ask the government to help us to help ourselves, its a handout! That was our tax dollars that we work for. When will we get our American dream? Suing these companies is n't enough, because the lawyers are going to get all of the money. We need to stop giving them money to do their jobs. They should not be paid to do the right thing. Why is the government paying them to help struggling homeowners to keep their homes.If we stay on this path, the country will stop believing in the American dream.Banks used to be the very thing that we could count on, and now they are the only ones getting bail out! Thank you,
Product: Checking or savings account

Capital One is refusing to give any kind of update on their massive foul up. I have no received my paycheck and I live paycheck to paycheck. I depend on this money and it being late is not acceptable.
Product: Credit reporting or other personal consumer reports

This company has violated my federally protected consumer rights by sharing my personal information. 

According to 15 USC 6802 it states except as otherwidse provided in this subchapter, a financial institution my not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with 6803 of this title. 

15 USC 1681 Section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

1666B also states a consumer reporting agency should never consider any credit card payment late under an open end consumer credit plan for any purpose. 

Those accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have started the lawsuit against XXXX already XXXX The case number is XXXX. I will be filing against Experian if no action is taken
Product: Debt collection

After 3 months ( XXXX, XXXX & XX/XX/2021 ) of not getting service or any response to my numerous email requests I notified them via email and on my bill that I was no longer going to use them and asked them to pickup their 3 empties and reimburse me for them. In XXXX a XXXX supervisor by the name of XXXX ( ph XXXX ) finally stopped by and apologized for the lack of service and help requests and explained that the company had huge staff problems. I told him that I would no longer use them and gave him my 3 empties worth {$6.00} each. Since there were 3 XXXX said they would refund me {$18.00}. Not only did I not receive the {$18.00} but XXXX has continued to bill me for services not rendered. XXXX owes me {$18.00} plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in erR Names 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