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

EXPERIAN Credit reporting is listing more than one Hard Inquiry,  which happened on the same day, when I purchased an automobile loan. The other credit bureaus are only showing one inquiry since they happened on the same day.
Product: Mortgage

I currently have a 5 year ARM mortgage and a HELOC with Santander Bank. I owe {$710000.00} on the mortgage and have accessed {$260000.00} of a $ XXXX HELOC. In XXXX of this year I applied to XXXX XXXX XXXX to get an interest only mortgage for {$980000.00} - this amount being the balance on my mortgage in addition to the HELOC balance. I was granted the interest only mortgage. I called Santander bank to tell them I was doing this which they told me was OK. I wanted to keep the HELOC open. I asked them for written approval to which they said 'It 's OK you are on a recorded line '. I relayed that information to XXXX  XXXX XXXX who subsequently started the mortgage subordination process. Five months later we are still awaiting approval at Santander. I have been in regular touch w XXXX who tell me that Santander are deliberately holding this up against my will and are not responding per guidelines. I have called the Santander subordination team on multiple occasions who tell me this is awaiting approval with the underwriter. Meanwhile it is likely XXXX XXXX XXXX will not be able to match the terms they previously granted me so I am officially lodging this complaint.
Product: Debt collection

I am filing this complaint because I have disputed and contacted LVNV Funding about two debts that were fraudulent. I have contacted them previously and disputed formally a total of three times with the credit bureaus and directly with LVNV. 
I made every attempt to complete my fraud claim with both XXXX  XXXX and XXXX  XXXX, but they both closed the accounts and sent them to LVNV Funding Collections. 

On XX/XX/XXXX, I mailed a certified letter to LVNV Funding asking for account history and transaction history from LVNV on both accounts. They replied with letters stating when the accounts were opened and who was the original creditor, therefore providing no proof or documents requested. They are just " in house '' statements. The letters ( noted as Doc 1 and Doc 2 attached ) was manufactured by Resurgent Capital, a sister company of LVNV Funding- not by XXXX   XXXX XXXX  or XXXX  XXXX XXXX. 
I even enclosed an FTC Identity Report ( XX/XX/XXXX ) and mailed that to LVNV. 
I again received documents stating that the debt was valid and they consider it to be " collectable ''. I updated my FTC Report today and attached it. 

LVNV has no history from a transaction or fraud investigation perceptive, yet they are dismissing my fraud claims. Please see attached documents for review and I appreciate your assistance with this matter.
Product: Student loan

I consolidated my student loans along with XXXX small Parent Plus loans. In the consolidation loan application I marked that I wanted and Income Driven Repayment and more specifically an Income Based Repayment. The online system allowed me to check off " Income Based Repayment. '' However, because I consolidated Parent Plus loans in with my student loans I was n't eligible for and " Income Based Repayment. '' The online system should not have allowed me to check off the option - " Income Based Repayment. '' Furthermore, I did not receive my estimated payment amount in time for me to even cancel the consolidation loan. This seems like Deceptive Trade Practices to me. First, the online consolidation system allows a borrower to check " Income Based Repayment '' and then FedLoans does n't get the monthly estimated payment to the borrower until after the ability to cancel the loan has passed. Mortgage and consumer lenders are bound by law to provide " Right of Recision 's '' and " Good Faith Estimates '' so that the borrower can insure that they can afford the payment. Why is n't FedLoan Servicing held to this same standard? I can not afford the Income Contingent Repayment that FedLoan provided to me and now they are telling me I have no other option.
Product: Vehicle loan or lease

I originally was told my first payment for my car was due on XX/XX/XXXX. I called XX/XX/XXXX to pay and was told it wasnt actually due until XX/XX/XXXX and I couldnt pay early. Thats where ALL my problems XXXX with Wells Fargo. From there everything went downhill. I was charged so many fees and it was them every time. Things got so crazy that my car was repossessed and I was left with so much money owed. Needless to say, it was paid within a day and my car was back to me. 
I had to trade my car in just to get rid of Wells Fargo. Wells Fargo literally ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

About two months ago a XXXX  card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know when exactly first Delinquency of account occurred? 
Is the account already sold to third party collection? can I settle account directly with XXXX XXXX?
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation request to Mandarich Law Group and XXXX XXXX XXXX via certified mail, requesting full verification of the alleged debt, including an itemized statement, proof of balance accuracy, and verification that Mandarich has the legal right to collect. 

Despite my request, Mandarich failed to provide a proper response within the required 30-day timeframe. Instead, on XX/XX/XXXX, they mailed a response containing only a generic letter dated XX/XX/XXXX, which does not include any of the requested documentation proving the validity of the debt. They also failed to provide proof that they responded to my previous dispute in XXXX, which I submitted via fax. 

Additionally, when I attempted to contact Mandarich to discuss the account, they refused to provide details, claiming there is a cease-and-desist order on the account, despite my repeated requests for validation. They also stated that the legal process continues, even though they failed to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

This account is inaccurate and unverified, and Mandarich is attempting to collect a potentially invalid debt without proper documentation. I request that this debt be removed from my credit report immediately due to lack of validation and failure to respond to my previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm unable to submit my dispute with Experian directly after many attempts I have 2 collection accounts reporting on my credit file that i have no knowledge of and I was not given a DV for any of these accounts I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with XXXX  and equifax.
Product: Checking or savings account

XX/XX/XXXX XXXX an email that we signed up for wire transfer two transfers 1st {$170.00} + {$30.00} fee and 2nd {$17000.00} + {$30.00} fee. I called Wells Fargo immediately after that. Reported the fraud closed the account and opened a new one and got a claim number ( XXXX ). Transferred {$20000.00} into the new account. The money from the wire had not come out yet. 
XX/XX/XXXX The two wire transfers came out of the new account totaling {$17000.00} XX/XX/XXXX Called to follow up and got a new claim number ( XXXX ). 
Nobody could explain why I got a second claim number and why the wire came out of the new account 3 days later XX/XX/XXXX Claim got denied, they said my log on information was used. I asked for proof showing the login and they said the code was sent to my phone to authorize the transaction. There was never a code sent to my phone, there should have been 3 codes one for the wire set up and one for each wire transfer. I asked for them to send me the time stamp and codes that were " sent '' to my phone, so I can verify with XXXX XXXX XXXX. I never received the information. 
XX/XX/XXXX Called to follow up and asked how the wire transfers came out of the new account when the money was still in the old account to transfer. I got transferred to 6 different people without an answer or resolution. Asked again for the time stamp and security code information, still haven't received it. 
XX/XX/XXXX Filed a police report XXXX XX/XX/XXXX got declined again from the executive case specialist I have bank statements showing the money being transferred to the new account on XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my aisputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen at a Mall in XX/XX/2014and was never found and the thief has used my information numerous times!!!
Product: Debt collection

I used to have XXXX.. I wanted to switch to XXXX due to them having better service and them being able to buy me out of my contract ( XXXX ) .. Everything was paid and NOTHING was owed WHATSOEVER! I get a letter in 2017 from a company called " XXXX '' asking me for 73 dollars and some cents ; I don't remember the exact amount, but they were shaking me down for money from XXXX, I called XXXX customer service and asked them what was going on and asked them if i had owed anything and if I was on ANY bad terms with them ; they replied no and that everything looked green on there end.. I have disputed this XXXX " debt '' for a long time asking for validation and proof, and I AM getting no where with my letters I have been sending to XXXX/XXXX/XXXX! Please help! I refuse to pay something I don't owe, and if i were to owe something, how come I cant get SOLID PROOF?
Product: Student loan

I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!
Product: Mortgage

LOANCARE ( XXXX XXXX XXXX ) has been threatening to take my home for the past year now. They are reporting incorrect balances I owe to them. They have double my monthly mortgage payments and trying to make me pay an additional XXXX on top of that. They will not properly apply what Ive already paid in the last years. Its As if someone has been stealing my payments. They refuse to talk to me to resolve this issue and are planning to foreclose on my home. They have hung up the phone on me on numerous occasions. Im pass retirement age and they wont help assist me in any way but keep overcharging and lying about, the amount of tax and escrow amounts and money Ive paid to this company since Ive purchased my home. I have paperwork and bank records to prove my claim. I need someone to help me by investigating this. Please!
Product: Credit card or prepaid card

While on vacation in XXXX, my fiance and I were taken to a custom clothing store ( XXXX  ) where we ordered custom suits, shirts, shoes, and dresses that were supposed to be shipped to us. We were advised that the items would be shipped to us via XXXX and, in lieu of a receipt, we were provided the XXXX contact information for the sales representative. However, we never received any tracking information for the items and our attempts to reach the salesperson were unsuccessful. When I attempted to locate alternate contact information for the vendor, I came across a multitude of negative online reviews posted by other American tourists who also never received any of items they purchased from XXXX. After learning that my experience was not an isolated incident, I filed a credit card dispute with Chase. However, Chase incorrectly classified my dispute as an " in-person '' transaction and promptly denied my dispute when the merchant provided a fraudulent/forged document bearing my signature which I never signed. Chase also provided contradictory information regarding the status of my dispute during my last two phone calls in order to stall any follow-up efforts on my part until after the dispute period ended.
Product: Debt collection

This company called Convergent ( XXXX ) continues to call me regarding a debt for someone else named XXXX XXXX. 

I've received calls since having my phone for this individual about collecting his debts. I am not this individual and although I have the same number that this individual previously had - I do not owe or have the same name as this person. 

These calls need to stop. I asked this company to remove my number and informed them that I am not the individual.
Product: Debt collection

There is an account with National Credit Systems Inc for an apartment complex XXXX XXXX XXXX. that is indicating there was money owed due to not giving a written notice. This is not accurate because I did give a 45 day written notice to XXXX who actually worked in the office and he inspected the apt and told us what was needed to be cleaned to avoid any fines. Since we were on a month to month bases since the lease had expired only 30 days written notice was required yet we gave a 45 day notice. We also paid the final utilities so there should be no money owed. They are also sending showing 2 accounts one in the amount of {$1000.00} and the other over {$3300.00}
Product: Credit card or prepaid card

I was going through a little lack of work. I got some late fees waived on XX/XX/2018 payment due date was on the XXXX of every month I been a Walmart credit card holder for two years going on 3 and I didnt receive any emails or anything in mail stating my account was closed on XX/XX/2018 I went to make a payment to use card in store and I realized I was speaking to a collection agency I then had to find out why my card closed and they said it was bc of delinquency and my recent statement shows active due XX/XX/2018 I dont have credit card protection for card its not available I have had worse times than this and now my credit is critically damaged unnoticeable this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

On XXXX XXXX XXXX of the year XXXX, complaints were filed against Discover Card for using inaccurate information to make a decision regarding my creditworthiness. It is also in violation of the Equal Credit Opportunity Act, the Securities Exchange Act, FCRA, UDAAP, and FDCPA. I requested a list of ALL OF THE FACTORS that were used by the underwriting department AND a copy of the original application used to apply for credit with Discover in the name of XXXX XXXX  and/or XXXX XXXX XXXX XXXX The application is a financial asset. Because Discover is choosing not to contract with me, I am requesting the return of my original application and terminating any and all trusts, and trust derivatives that may have been created upon transfer of my information to Discover including my social security number which allowed Discover to access my account. I am revoking any and all securities and security interests that may have been created as I have never abandoned my securities.
Product: Payday loan, title loan, personal loan, or advance loan

I am an active affirm user and have requested loans and paid many of them in full without a problem, I recently applied for a loan through XXXX and was given the option to identify myself, which I did, this is not new. After proceeding with application I was given the option of how to repay the loan and I chose an option that required a downpayment for which I use my debit card to pay, {$900.00}. I watch while the debit of {$900.00} was deducted from my account, but when I noticed that I did not get an email from the company ( affirm ) regarding my loan I called them and was told they were having systems issues. In the meantime {$900.00} was be held in suspense. Later I received an email that my loan was decline and I did not receive the {$900.00} back into my account. I call affirm once more and was told the same by a supervisor, to call back they were having system issues. I call my bank where the money was deducted and was told to call affirm back. I later spoke to a supervisor from affirm and he struggled to explain why the money was not back into the account. I have affirm numerous times at help @ affirm.com and no one has responded.
Product: Credit card or prepaid card

XX/XX/XXXX our XXXX XXXX stopped working and my husband XXXX XXXX contacted XXXX XXXX to cancel the account. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX still charged me on my CapitalOne card. Each year I called CapitalOne to dispute the {$59.00} charge and requested I not be charged in the future ; however, CapitalOne refused to refund me. Attempts to get through to a live agent at XXXX XXXX were always unsuccessful. On XX/XX/XXXX my CapitalOne card was once again charged. Once again, I called CapitalOne and disputed the charge, but they said that XXXX XXXX confirmed I had an active subscription. After multiple calls, I was able to get through to XXXX XXXX and the agent confirmed that he could find no active subscription for any of my current or prior email accounts. When I asked if he could trace my credit card to an account, he admitted he had no way to do this. He suggested I dispute the charges with CapitalOne. When I told him I had tried but CapitalOne always said that XXXX claimed I had an active account - he suggested I ask for the details of the active XXXX account - as without that there would be no way for XXXX to cancel it. I called back CapitalOne and asked for the letter from XXXX or some documentation detailing the alleged XXXX XXXX account, but CapitalOne refused because it would violate my " privacy. '' Once again on XX/XX/XXXX, i received another charge on my CapitalOne statement. I disputed the charge by submitting a claim online and then called to give the background. The representative told me that she remove the automatic renewal of the subscription and that I should wait to hear back on the prior years ' charges. Today I received two letters from CapitalOne - one said that they were charging me again for the {$59.00} this year and the other said they were reinstating the automatic subscription to XXXX XXXX because XXXX says I have an active account. When I call XXXX XXXX they said I have no active account. I am stuck in an endless loop here between two giant corporations and no one is willing to give me the information I need to correct this situation.
Product: Mortgage

The Bank of America is gaslighting me and the government because there are no consequences to their behavior. I would like to refi my house and have been trying for well over a year to refi my home but the bank will not level with me. Im not a risk for the bank with an XXXX FICO score and having lived on the property for over 35 years. Im concerned about dinging my credit and request the refi formally because Im weary of the banks endless changing of the rules of engagement as it discriminates against minority XXXX female borrowers. You cant do much, I know because this agency has no enforcement power, but I wish to make a record of this ongoing situation. Thank you.