23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi, On XX/XX/26, Ive requested through through phone call a refund on my student loan payments that Ive made during the pandemic forbearance period. I had also requested a refund through email earlier in the month, but I was not receiving a response, hence I requested through phone call as well despite long hold times. I havent received a form of confirmation of refund request through email, letter or account messaging. I was also never given the payment amount that would be reinstated through the refund nor reasoning as to why the request for refund would take more than 150 days to send to XXXX when other institutions do it within a week, which is the most concerning. It appears they have also not processed requests from others that were submitted nearly 6 months ago with no explanation as to why. With no confirmation number and no explanation or insight into processing times, processing steps, and no payment history amount confirmed for the refund, along with the all of the above, I am concerned about the current practices with EdFinancial and how they are handling my federal student loan balance and if they have genuinely submitted my refund request of my forbearance payments. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payment occurred in XXXX of XXXX during the nationally declared XXXX  Emergency. I called in XXXX in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with XXXX since XXXX of XXXX. I think it is egregiously unfair for XXXX to have reported this one late payment, resulting a drop in my credit score of XXXX points. This action by XXXX has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for XXXX representatives to say now in XXXX of XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by XXXX to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX of XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.
Product: Credit reporting, credit repair services, 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.

The letters are stated with items and issues.

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 XXXX 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 XXXX 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

On XX/XX/XXXX I received a HARD inquiry on my report from EXTER FINANCE. Which i have NEVER inquired about a loan or for a loan through this company or through AFFILIATES. Someone stole my SSN and I need this removed ASAP. I never inquired about a loan or gave my CONSENT for EXTER FINANCE LLC/WCG to pull my credit, to do an inquiry, or to make any financial decisions on my behalf based on the credit pull or findings. I'm requesting that you remove this FALSE information ASAP. I want to note that on XX/XX/XXXX i called the customer service line and they assured me that 'someone ' would work on it and didn't have a reference number. I do not trust that and need this to be resolved asap, so YES this is escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

HELOC was erroneously written off by XXXX XXXX in the middle of a refinance in 2017. Since then, I have been attempting to rectify this situation, including restoring my credit that they have ruined. Please see attached description and documentation.
Product: Credit card or prepaid card

I applied for a XXXX XXXX. Thats what it said I was applying for. Instead I was sent another XXXX card. It is obviously a bait and switch.
Product: Checking or savings account

On or about XXXX I received notice from XXXX that an account was opened or attempted to open using my SSN with PNC Bank N.A . I have never applied for anything with PNC and and any application they have received is fraudulent. 

I immediately attempted to contact PNC Bank and they refused to act on my complaint. They refused to acknowledge that they received any application using my SSN. They subsequently refused to reveal what, if any credit reporting agency or specialty credit reporting agency they accessed to obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from XXXX XXXX and paid it. I never received anything from XXXX XXXX except that my vehicle was returned and my balance was zero and the account was closed. I just got an alert from Experian that my credit rating has gone down 45 points because XXXX XXXX is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All XXXX XXXX has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX XXXXXXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2.XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX  XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I initially pursue to buy a Warehouse, so my realtor recommended me to talk to a mortgage manager at XXXX XXXX Florida, we started the process in XXXX, since we only had a 10 % as downpayment we needed to involve the XXXX as well, we have our first interview, and then a month later, the loan manager ( XXXX XXXX ) came to my office to sign all papers, and he leaves a copy with all the expenses, except for the legal fees, which according to him, were hard to calculate, i asked several times about these fees, in order to have a good idea about the closing costs, but his answer was always the same. 
Finally, at closing date ( XX/XX/XXXX ) and an hour before signing, we received the HUD with all the closing costs, to our surprise, Legal fees were separated into 2, one for XXXX XXXX  Florida and the other for the XXXX, which together makes a total for {$10000.00} ( Hud Attached, points XXXX & XXXX ), im also attaching all the documents signed, to show that none of the documents provide an estimate on the legal fees, this extra {$10.00} that we didnt have into account, make a huge hole in my companies financial, to the point i had to skip my salary and stop pre-orders in order to be able to comply with my current debt. 

I complained about this at signing, but i had no choice to either sign and pay the XXXX, or to loose my deposit and all the fees and expenses that i had already paid ( {$5000.00} deposit + {$2000.00} ( appraisal ) + {$1200.00} ( bank fees ) )
Product: Mortgage

Amerihome Mortgage used our escrow money and paid someone elses XX/XX/XXXX property taxes. We discovered this at XX/XX/XXXX. I contacted them XX/XX/XXXX and received an email address from a Customer Service Rep named XXXX to send a copy of my tax bill to them. I sent it on XX/XX/XXXX and received a response from XXXX XXXX XX/XX/XXXX stating they were forwarding it to their tax department for investigation. I never received any other follow up from them. We 're trying to re-finance our mortgage and discovered the tax issue has still not been resoled as of the writing of this letter. I have spoken with 5 supervisors between XX/XX/XXXX thru XX/XX/XXXX. I have requested a return call from Management and advised each Supervisor was requesting the call back and have not received one call back except from a Customer Service representative. 
I have also been told no one from Amerihome Mortgage can contact the third party vendor they use to pay the tax bills. This is completely unacceptable behavior and I am extremely upset that we have a tax bill that is 3 months delinquent in our name. 
I have been told twice their resolution date is XX/XX/XXXX and I have advised this is unacceptable to us as we pay our mortgage and escrow timely and expect them to correct this in a reasonable amount of time which 23 days is not. Their Supervisor XXXX verified with the County on XX/XX/XXXX that the bill has not been paid and that the account number Amerihome paid is indeed for another piece of property/home and another person unrelated to me and my husband and our home.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms are submitted.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX has forms for lost credit cards free they at XXXX won, t release lost credit cards XXXX , XXXX XXXX Branch Manager, XXXX XXXX left on claim without issue money or funds on our account XXXX left and we won the Grace Period represented by XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented in Federal Court XXXXXXXXXXXX represented We have XXXX. Authorize Nrt excepted application XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Complaint. Supreme Court has Law Judge, s Misconduct NYS Commissioner of Human Rights XXXX has harassment @ Housing Complaint. Housing Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Novelty XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX Lawyer. XXXX XXXX XXXX XXXX. Banking in XXXX has Settlement Forms
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX. Acct # XXXX. Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Also States a consumer reporting agency can not furnish my account without my written instructions.

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: Mortgage

Misinformation from the loan originator at Cardinal Financial. The loan originator offered a rate and took 3 hard inquiries just to provide higher rate terms and closing costs. They have sent contradicting statement and ordered a home appraisal without the owner consent.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian and XXXX lawsuit. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. You all either come with the receipts, or delete the inaccurate items immediately!!!
Product: Debt collection

I 've been getting calls from a blocked/private number. A woman by the name of XXXX leaves a message saying that I need to be at home or at work ( with a witness or supervisor present ) on a certain day to sign for something ; but she never states what it is. She alluded to the fact that it was a military document I needed to sign for ( I 'm joining the military soon ). Yet on the day she said she would arrive, no one came. I 've gotten two more calls this week from her stating that I needed to present myself to sign or it would be seen as a 'failure to comply '. I 've called the number she 's given me and left a message ; someone from Worldwide Recoveries called me back and left me the same number that XXXX did. This call was also from a blocked number. I do not know who these people are or what they want, but this is bordering on harassment and stalking. If this is a collection call, then they need to state who they are and who they are collecting for.
Product: Debt collection

American Express National Bank and XXXX XXXX XXXX XXXX XXXX, without notice, filed a lawsuit against me in a state where I do not live.
Product: Vehicle loan or lease

I am always on top of my payments so you can imagine how shocked I was while reviewing my credit report and saw a 30 late payment on it. I have no idea how this could have happened. Whenever the statements come, I make sure to pay them right away. My only thought is that the statement never got to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 or 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: Payday loan, title loan, or personal loan

CashCall currently is reporting ; Paid as agreed for less than the full balance/Charge off. 
90 days late. 

This account was never 90 days late. 

How is it possible to go from paying on time straight to 90 days late/Charge Out They have been PAID IN FULL! 

I had borrowed {$2600.00} from CashCall in XX/XX/2015. 
I paid the loan for about a approximately for 19 months. 
When I asked about my balance, I was SHOCKED to I was shocked to find out that after paying {$200.00} a month for 18 month the balance ONLY REDUCED BY {$100.00} dollars. 

After the years of calling and disputing about how they were reporting. 

They told me that then will report paid in full if I paid a additional {$2500.00}. 

THEY ARE DISHONEST HUSTLING SALESMAN. 

My advise would be to stay clear find another company.
Product: Mortgage

We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was GMFS. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a FEMA trailer for the next 18 months. During this time we were reassigned to XXXX, but we continued to receive mortgage payment requests from GMFS which continued until filing bankruptcy. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on two occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new manager. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our US Senator for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments. Presently, no entity will allow us to refinance the property! We just had someone look at the file and they noticed an exorbitant amount of fees. Not only do the work to remove you from ownership of your property, take your down payments and other money used in the purchase of your home, keep any monthly payments you have made, but add fees, tremendous amounts of fees on to your arrears. GMFS assigned us to a new company without prior notification or approval in the middle of forbearance! We were getting paperwork from GMFS, XXXX, FEMA, XXXX, XXXX XXXX, and a couple of other governmental agencies. Because of GMFS and XXXX my credit suffered and we were turned down for an XXXX loan in the middle of our worst nightmares.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX CITIBANK , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SD XXXX ACCT ENDING : XXXX Notice of Dispute and Request for Validation of a Debt Dear CITIBANK, XXXX, I am writing this letter to formally dispute the validity of the debt being reported by your agency and to request immediate validation of the debt as well as correction of inaccurate credit reporting to the credit reporting agencies. 

Account Information : CITIBANK , N.A . 
Account Number : XXXX Date of Last Activity : XXXX Amount in Dispute : {$9900.00} I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation of this debt. I kindly request that your agency provide me with the following information : 1. Verification of the debt amount claimed, including a detailed breakdown of any interest, fees, or charges applied.

2. Copies of all documents proving that I am indeed responsible for this debt, such as the signed agreement or contract with the original creditor.

3. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 

I also request that your agency cease all collection activities, including any reporting to the credit reporting agencies, until the requested debt validation is provided. 

Please be aware that the inaccurate reporting of this debt to the credit reporting agencies is negatively impacting my creditworthiness and causing substantial harm. In accordance with the FCRA, I hereby dispute the accuracy of this debt and request that you correct the erroneous information being reported to the credit reporting agencies, including but not limited to : Incorrect balance Misreported payment statuses Inaccurate dates of delinquency I expect your agency to conduct a thorough investigation into the disputed debt and promptly provide me with the requested validation within 30 days of receiving this letter. 

If your agency fails to validate the debt or correct the inaccurate reporting within the specified timeframe, I will have no choice but to exercise my rights under the FDCPA and FCRA and pursue all available legal remedies to protect my interest. 

Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with return receipt requested. This will ensure a documented record of our communication. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the restoration of accurate credit reporting. 

Sincerely, BY : XXXX, XXXX R/Agent FOR : XXXX XXXX XXXX/Principal WITHOUT RECOURSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that my XXXX and XXXX XXXX XXXX XXXX was not accurate that I paid XX/XX/2022 XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX. I never asked for it to be deleted from my account I asked for it to be updated that it was paid on time. I've called and dispute the months because it was saying I missed a payment but I didn't.when I dispute the months I could not upload documents because the site was having issues. All I wanted was for payment of those months to be updated not deleted permanently. This is stressful trying to reach someone who understands what your talking about and constantly getting hung up on by representatives