23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with XXXX ( XXXX XXXX ). I have my payments automatically deducted from my bank account every month on the XXXX. My account was paid in full on XX/XX/2022 for the amount of {$120.00}. On XX/XX/2022 I logged on and it was not showing that the payment had been applied ( even though it was deducted from my bank account on XX/XX/2022 ). I was going to be applying for a mortgage and needed my credit card balances at XXXX so I made another payment for {$120.00} on XX/XX/2022. I assumed the other payment didn't go through and that they would credit me eventually for both payments. Today, XX/XX/2022, I logged into my account and my statement showed that both payments for {$120.00} were on my account but they didn't credit my account for the one made on XX/XX/2022. I called the credit card company, spoke to a csr and he agreed that the payment " was lost in their system ''. I waited an hour to speak to an account specialist who refused to do simple math and see that the second payment wasn't applied to my account. She seemed very confused and kept saying that I had a BALANCE of {$120.00} going into my next billing cycle even though I pay my balance in full every month and it even shows that I don't have a balance, but actually a credit. She refused to help me and I told her I wanted to close my account and I would be pursuing help to get my money back. She closed my account and told me that I needed to pay the balance.
Product: Credit reporting or other personal consumer reports

Note one : Hello, I have included the supporting documentation of a negative report from XXXX. This report came from XXXX and although there are no late or missing payments AT ALL, the account is being reported as delinquent. After a personal loan I was approved nearly three years ago, I wonder how and why XXXX has turned me down for a loan numerous times. I've had to look elsewhere for loans that added up to {$8000.00} and I have not missed one payment or have been late on ANY of them. I am outraged that XXXX would do this. I am further forwarding this complaint to XXXX. 

After XXXX responded : Thank you for this response. It gives my findings and supporting documentation merit because the delinquency, and negative derogatory report XXXX provided to XXXX was done maliciously and intentionally so that it would be impossible for me to get anything else approved from XXXX or perhaps any other lender I've applied to. This warrants a higher complaint because I am right in the middle of a request to XXXX out of the equity in my home which is estimated at XXXX. Of course Texas can only pull out 80 % of that! HAVE YOU SEEN THE REPORT? Look at it. It was done with malicious intent! Reply to XXXX to no avail : The response I received was a testament to the lack of responsibility and the quality of XXXX XXXX customer service department ( although they have gotten better ) You have the information in your hands. This was your opportunity to show your capabilities and contact your colleague at headquarters and forward what you received from a customer of XXXX. I have not gotten anywhere with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. 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
Product: Mortgage

I am experiencing an issue with Alliant Credit Union regarding the transfer of my solar loan. According to my " Solar Energy System Long-Term Loan Agreement and Promissory Note, '' there is a provision that allows for the transfer of the loan to a purchaser of my residence, subject to lender approval. However, Alliant Credit Union, through XXXX XXXX, has refused to allow the transfer, even thought the new purchaser is eligible for the loan, stating that they do not allow any transfers of solar loans. This response contradicts the terms specified in the loan agreement, and no specific reason or criteria for the refusal were provided. I am seeking assistance in resolving this matter to ensure that the lender adheres to the agreed terms of the contract.
Product: Debt collection

Is not mine account because they have with my different last name XXXX XXXX and they have XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting fraudulent information to early warning services. when I disputed the matter instead of investigating it I was told that the information was accurate but was never given any type of proof to show though I requested it. When I contacted XXXX XXXX XXXX the fraud department told me that they only showed that my account was closed due to an overdraft, another guy left a voicemail telling me that they could not verify that it was me making the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires do not belong to me.
Product: Mortgage

I submitted a completed application for loss mitigation assistance to Ditech Financial LLC on XXXX XXXX, XXXX. I received a denial letter for my request for assistance from Ditech stating that Ditech forced a Flex Modification program on my account. I called into Ditech twice to find out about the Flex Modification and have it removed. The representatives explained the forced placed modification on my account and refused to remove it or cancel it. However, I found in the denial letter that I could appeal Ditech 's determination not to offer me loss mitigation assistance ; and the denying of my rights to learn all of resolution options available to me in order reinstate my loan. I fax in my appeal letter XXXX XXXX, XXXX to Ditech at XXXX requesting the removal of the Flex Modification program to have my loss mitigation assistance process proceed. I called back to Ditech and the representative said the Flex Modification program was not removed and my loss mitigation assistance process has not started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, who has used my consumer profile without my consent or knowledge. They have engaged in defamation of character by providing incorrect and biased information to a third party company who used information supplied by XXXX XXXX XXXX XXXX, to deny me an extension of my own credit. As a consumer, this has severely harmed me and caused me to be unable to purchase essential consumer goods and services based on false, erroneous and biased information being supplied by them. XXXX XXXX XXXX XXXX provided a credit score of : XXXX as well as other biased, erroneous information without my knowledge or consent. I applied for an extension of credit in good faith with the company : Global Lending Services, Application ID # XXXX, and was denied. XXXX XXXX XXXX XXXX, and their practices has caused me serious harm and emotional distress as a consumer looking to obtain essential goods to provide for my family and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

When closing in XX/XX/XXXX, Ditech did not explain that I would have to file for homestead exemption in my state. I only learned of this AFTER they raised my payments in XX/XX/XXXX to cover the " underage '' for payment of county taxes. I had to contact the county, fill out and file paperwork to get it backdated. I did so, but it took the county a few  months to process everything. In XX/XX/XXXX, Ditech did two analysis, but only sent a check for {$180.00}, even though they had received a check from my county at the end of XX/XX/XXXX or beginning of XX/XX/XXXX. I did get a reduction in my mortgage payments in XX/XX/XXXX. I called FOUR times to have them send the check to me ( the county had  to send it to Ditech for reimbursement to us since Ditech had sent the county the money ). EACH time I was told NO other analysis had been run and that they would escalate it. This is approximately $ 1,400-plus that they have kept over the 30 days allowed. It wasn't until my wife blasted them on their XXXX page that we had any positive communication. She posted on XX/XX/XXXX, and again on XX/XX/XXXX. The claimed to have mailed a check, but as of XX/XX/XXXX, no check has arrived. I believe they have violated federal law on keeping the money longer than 30 days and refusing to refund the money, even though they acknowledge " the check is in the mail. ''
Product: Checking or savings account

As a consumer Wells Fargo Violated several consumer laws and willfully fraudulently are denying me without cause reimbursement for fraudulent activity that took place in my account during the months of XXXX 2022. 
Pursuant to 15usc 1692 ( g ) ( b ) Disputed debts If theconsumernotifies thedebtcollector in writing within the thirty-day period described in subsection ( a ) that thedebt, or any portion thereof, is disputed, or that theconsumerrequests the name and address of the originalcreditor, thedebtcollector shall cease collection of thedebt, or any disputed portion thereof. 
As the consumer I informed Wells Fargo of the debt collectors Card Member services non-verbal, non-written consented withdrawal from my account XXXX in the amount of {$3200.00} and with numerous denied claims the last one being at the XXXX office case # XXXX where denied without any evidence of written or verbal consent of validating the debt or the withdrawal which is a fraudulent transaction and Im entitled to reimbursement.The fraudulent activity was also reported to XXXX XXXX and the police report is attached. 
The other Fraudulent transaction in the amount of {$1100.00} was not consented by me the original creditor and in fact my signature was forged because the debt collector used deceptive and abusive practices violating the stated laws again addition stole the money under duress and I have filed a police report, BBB report and an Attorney GeneralXXXX report agains the conduct and abusive practices that was endured when entering in that consumer transaction. See attached documents Wells Fargo willfully along with the other debt collectors are in violation of several other laws pursuant to 15USC1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors ; invasions of individual privacy. As well as pursuant to 15USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating thedebtor permitted by law. Card Member services never received consent nor has any written agreement from the original creditor validating the debt for them to authorize taking it. Fraud. Wells Fargo there must comply with the federal laws and FDIC and swiftly refund my account {$4400.00} for the fraudulent transactions + violations and damages of {$6000.00} totaling {$10000.00}.
Product: Credit card

We requested the SCRA military relief act to be applied to our credit cards through Chase. Chase has denied the benefit stating the benefit does not apply to our card because my husband is only an authorized user on the account and is not liable for the account. They further stated the law does not apply because we live in Vermont. All of our other cards had no problem and promptly gave us the SCRA benefit on our account. We believe we are eligible for this benefit and Chase is breaking the law by not extending this benefit to our account.
Product: Student loan

To be honest I really want to sue Navient. I feel that the XXXX  school I attended lied to me.They pushed the idea that they had job placement and that after graduation i would get a high paying career and I believed that I would have no problem paying these loans back. I feel that I was preyed upon by these lenders just because I wanted to get a higher education. When it got difficult for me financially they tried pushing deferment or forbearance, without really explaining the consequences if I choose this option. I eventually leaned that all this did was increase my debt and compound my interest exponentially to an amount I did not expect. Every available option on the table to repay this hasnt really worked for me. I am asked to pay {$570.00} a month but due to my inability to pay as they see fit now the monthly payments are as much as {$4000.00} a month which I dont have. 

I will also like to state that these lenders or banks are committing fraud against the public if what I learned is true. It seems that the Banks don't lend money. They buy your promissory note i.e. security. They are in the business of purchasing securities not lending, according to modern money mechanics. So if a promissory note is viewed a negotiable instrument meaning that it is used as money and sold for the value listed thereof to other fanatical institutions it is fraudulent because we are led to believe that we owe our lender money when in fact they owe us.
Product: Debt collection

synchrony bank created a false debt and sent it it to credit reporting I owed no money They reporting XXXX  account on my credit file which makes no sense why would they open XXXX otherccounts when he claim I didn't pay the first XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XXXX XXXX, XXXX XXXX XXXX XXXX added a debt in the amount of {$500.00} onto my credit file unjustly. I do not have a contract or legal agreement with the company and this debt does not belong to me. I disputed this item with Transunion and XXXX and the item was successfully removed since they failed to provide proof however they have placed the item back onto my credit file again and this is causing my credit score to decrease. I am in the process of purchasing my first home and this is affecting my ability to qualify for a mortgage. I called XXXX and Transunion to have this item removed again and they are refusing to remove the item again.
Product: Credit card or prepaid card

I have 2 cards not working, one is XXXX dollars and the other is XXXX dollars, on XX/XX/XXXX I contacted customer service, they said they can help me replace a new card, I will be on XX/XX/XXXX and XX/XX/XXXX Received it, and told me the tail number of the new product. Due to my local weather problems, this letter was delayed, and I have not received it. I will call back and ask a customer service to create a case number for meAnd every time I have to wait 40 minutes to connect to the phone, but there is no way to solve the problem, I complained to the cfpb about the company, but they said that we did not provide the materials they needed, actually I submitted several times, I submitted them all Yes, but still no reply, they won't upgrade my case, they won't solve anything for me, and they don't want to refund my money, which is the daily expenses of my new company, because the company has just been established and is in the process of It was a very difficult time, but the income company embezzled our {$800.00} money and refused to exchange it. I have been waiting for almost 2 months and cant use the money. They always replied that I didnt receive my documents and closed the case. I can actually prove that they did receive my documents and I hope my card can be processed as soon as possible as our business needs the money to do business and if I don't get it I will go to small claims court sue you my case number isXXXX XXXX and XXXX XXXX. 
my card number is XXXX and XXXX, {$500.00} and {$300.00}
Product: Mortgage

Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is a name XXXX XXXX that is clearly not me. 

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.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  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, credit repair services, or other personal consumer reports

Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to PNC, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1. XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} * th 6. XX/XX/XXXX, $ XXXX * Payment made at PNC bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with PNC credit department representative XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XX/XX/XXXX