23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for and received a loan from XXXX XXXX XXXX when I was in college 10 years ago. My loan was later sold to Loan Science. XXXX XXXX XXXX is the servicer of my loan. I have always paid my loan on time and have never had any problems until 2 weeks ago. My aunt, who is the cosigner on my loan, called me and said that Loan Science called her to ask for the payment. I told her I would take care of it. When I got off the phone, I got a phone call from Loan Science saying that I was short on my last payment. It was now 15 days past due. I asked how much and they said a little over {$1.00}, but because I was short that amount when I paid, they also assessed a late fee for another dollar and some change. They were calling me because I now owed them {$2.00}. They explained that they talked to my aunt and she had paid it, but wanted to let me know what my new monthly payment was. It had changed because of a variable interest rate. I thanked her and thought it was over. Then I got another phone 3 days later from Loan Science stating that I was still in default on my loan for the {$2.00}. I explained that I was told it had been paid. She apologized and said they had made a mistake and no payment had been made. I told her I would take care of it and pay through my bank. Since that day I have received 15 more phone calls from Loan Science. This has all been within a 10 day time span. I have never been left a message, they just continue to call until I pick up and ask the same question over and over again. I feel that I am being harassed by Loan Science for a small mistake. I had moved recently and gotten married and in the shuffle had n't had time to update my correct address and name change. I just sent the same amount I always sent every month. I can not stress enough that I am responsible and always pay on time. I think it was absurd the amount of phone calls I received regarding such a small amount of money. When I tried calling XXXX about changing my address the woman who received my call refused to talk to me because she said my account was past due and I had to talk to Loan Science. She rudely cut me off and transferred me to Loan Science who can not help me with name or address changes. They said I would have to call XXXX for that. I finally got XXXX of someone who would help me after Loan Science called XXXX to explain what I was wanting. This boils down to a simple mistake but was treated as a crime and harassed by the many phone calls from Loan Science.
Product: Mortgage

My mortgage was placed in Covid Assistance Payment plan XX/XX/2020. In XXXX I started a refi. Broker. XXXX XXXX XXXX ID XXXX This was to be a stated income refi My credentials. Credit Score. XXXX A years worth of deposits averaging XXXX monthly. Provided and average way above that Only debt. Lease car XXXX left. Tractor XXXX left. Co signed on grand daughter car XXXX. No credit card debt. We agreed to pay off lease and tractor thru refi Mortgage left on house XXXX. Appraised at XXXX XXXX Biggest stipulation was a balloon payment on the forebearance out of pocket. I had to make over a XXXX payment to satisfy the lender Underwriter has constantly delayed and messed around on this loan. XXXX and Acra management many times telling me that I was way qualified for this refi but waiting for underwriter to approve. 
XX/XX/XXXX I get a text that underwriter has mistakenly sent out to me adverse notification and both XXXX And XXXX conference call me to apologize and ignore. XX/XX/XXXX the letters arrive three times today XX/XX/XXXX I was informed that the underwriter decided he cant reinstate the loan and we need to start over Its been 4 months. Im in worse financial crisis now with the forced XXXX balloon payment That money was to be part of the loan back to me. Property taxes are due shortly. Ive paid out of pocket for the appraisal and this company treats it as a joke The excuses and blaming on their part is unacceptable. They have been provided with a years worth of documentation regarding current and past lender Ive been told Im more then qualify esp with XXXX equity in my home. 
Now Im out XXXX that as a senior citizen I desperately needed and now read that a balloon payment was wrong on their part Please help XXXX XXXX XXXX XXXX XXXX Acra Lending Services NMCS ID XXXX Adverse letter signed XXXX XXXX XXXX Lending XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a formal complaint through the CFPB stating " I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions. '' However, TransUnion closed the report without taking any action, stating that they would respond within 60 days. This is completely unacceptable. The complaint CAN NOT be closed until the issue is FULLY RESOLVED. This additional complaint does not extend TransUnion 's deadline. This needs to be solved within 30 days of the original complaint date.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

XXXX is my ss # lens is trying to collect on a debt that was discharged and send information negative to all three credit agencies
Product: Money transfer, virtual currency, or money service

I have Venmo in XXXX I received a settlement check from my old job. I just finding out that it went Venmo. I signed into my Venmo app all of sudden the frozen my account. They ask me to send them identification I sent it .now it been weeks later no body gotten back me .they holding people money hostage and it not fair. They say six days for them to resolve the matter it almost three weeks later. You call the customer service and they tell the consumer the department dealing with it doesn't have a phone number.i have email the CEO and they still have not gotten back to XXXX need my money it been hard on my because of them and there poor behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing this letter to dispute the following information account, XXXXXXXX XXXX XXXXXXXX, account # XXXX. Going over my credit report ( s ), I have found it has many errors, including on all THREE CREDIT BUREAS. There is different information REPORTING ON ALL THREE CREDIT BUREAS. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity.
Product: Credit reporting or other personal consumer reports

Charges were made as follows on my HSBC credit card : XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX For a total of {$52.00} Years ago I had setup autopay from my bank account to pay the full balance due on this credit card monthly. For reasons known only to HSBC they did not use that system and then declared me delinquent and a nonpayor. I promptly paid the total of {$52.00} to them and can prove it. Nonetheless, HSBC started piling on late fees, delinquency fees, etc. and has now made very negative credit reporting on me, lowering my credit score substantially even though I have decades of perfect credit. They are lying and saying I did not pay when, in fact, I did. I want them to reverse and withdraw their negative credit reporting since I paid the balance in full after I saw they did not use autopay. 

Furthermore, in what I believe to be a completely illegal and unethical move, they seized and removed points I had accumulated as a longtime credit card customer and had put in my XXXX account. These amounted to more than {$200.00} I have been unable to use on purchases from XXXX. These " points '' have nothing to do with my credit card as these points were earned through years of charges on my HSBC credit card and were to be available to me but HSBC just arbitrarily took them away. It is like they stole my money. These points should be restored in full.

I wrote an HSBC a detailed letter ( paper letter ) in XX/XX/23 and they have never responded 4 months later. They have ignored me. But they have substantially impacted my credit negatively and stolen points from my XXXX account. They should be ordered to correct negative credit reports and restore my points that I earned. I suggest they be fined for dishonest and unethical practices as well. They are way out of line with this simple matter in which I PAID THEM IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint refgarding the Fraudulent items I found on my updated Credit Reports. I have attached a letter with my updated address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, to inform you that it is myself who is submitting these Complaints. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the following items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The XXXX failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Student loan

I was lied to by national recoveries inc about what my payment options were, advised to send my husband 's income with out his authorization. I was told I had to pay XXXX dollars a month and get garnished. I am now approved for a consolidation I took out with out the collection agencies help because they said I did not qualify. The never returned my calls and left me feeling like I had accept the garnishment or pay XXXX a month which would have put me in a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry XXXX XX/XX/2020, XXXX A XXXX D ate XX/XX/2020 )
Product: Vehicle loan or lease

XXXX of this year, an account with Westlake Portfolio Management appeared on my credit report in the amount of over {$8000.00}. 

I have never been the owner of a XXXXXXXX XXXX  XXXX, nor have I signed as a co-signer for anyone. 

Please have this account deleted and removed from my account.
Product: Checking or savings account

I deposited a cashier 's check from another financial institution in person at a branch on XX/XX/24. This transaction is on hold/not being released to my account.
Product: Debt collection

I do not owe any of these depts. In several months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, WEST ASSET MANAGEMENT keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. The called me threatened mem and abused me for the dept that I did n't owe. I did ask them to spell the name and date of birth and they all were clearly not mine. I told them the dept is not mine, but they still put it in my credit reports every month anyway. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.
Product: Debt collection

A fraudulent account from Discover Card is reporting on my credit. I did not open this account nor did I live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Product: Mortgage

Wells Fargo continues to send threatening letters re : homeowner 's insurance. I recently changed insurance carriers ; I sent WF copies of my new declarations pages to show valid/current homeowner 's insurance. 

WF didn't acknowledge receipt of my new policy and started contacting me, requesting proof of insurance. 

I FAX 'd proof, again, on XXXX. I received acknowledgement from WF on XXXX via their secure messaging center. I have a FAX receipt showing when the info was transmitted/received. 

On XX/XX/2019, I received a threatening letter ; " Second and final notice '' to provide proof of insurance or they will purchase insurance and charge me. Their letter goes on to say that the policy will be expensive and may not cover much. 

Given WF 's recent history with opening accounts, without the customer 's knowledge, and then charging them outrageous overdraft and other fees, I fear they will purchase a policy and withdraw premiums from my checking account.
Product: Credit card or prepaid card

Received a credit card denial from US Bank - applied on XX/XX/XXXX. 
* My annual income is greater than $ 100K * No Liability * All ( 2acrds ) paid regulalry * XX/XX/XXXX credit score of XXXX ( reported by XXXX & XXXX XXXX ). 

On XX/XX/XXXX during e-application I was told I would be informed of the decision later. On XXXX I received the denial letter ( post date : XX/XX/XXXX ). On XXXX I spoke to US Bank credit depot. i was told the denial was because of too many inquiries in last 24 months. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ),  One by XXXX ( XX/XX/XXXXXXXX  >> Card was denied ). Rest is 4 credit cards in 2yrs. 2 of them closed. 

Now that US Bank has refused - it adds to another credit inquiry, so the next financial company will deny saying..you have 7 inquiries.
Product: Credit card or prepaid card

I dispute a charge made for on XXXX XXXX on my citibank credit card because I never received item.On XXXX Item was damaged when driver came to deliver item was sideways no upright and dent and scratches etc. I called seller they said don't accept it because of damage and they did not ship it sideways like in Pictures I sent them. They emailed me stating they issued a full refund. On XXXX I called citibank told them situation about no getting a a refund for XXXX customer service instructed me to contact seller again to get refund and if they do not call back and open a dispute. I called seller they said sorry about refund and they will process it and they don't know why it didn't get processed earlier.. after waiting for refund and not receiving it I called citibank and made dispute stating I never received item because it was damaged. I sent them proof that I did not accept item because of damage and Pictures showing item sideways on pallet with damage. So I was charge of item that I never took possession of and sent proof to citibank of item not accepted because of damaged from shipping company bill of landing and Pictures showing item sideways. I thought there was credit card protection from things like this.if you need any more information Pictures and proof I did not receive item I can email it to you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. 

I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. 

My next step is to bring this case to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with First United Bank where I have my checking and savings account on XX/XX/2022 and I got an email from the bank same day advising that I was approved for a {$14000.00} loan at XXXX XXXX XXXX XXXX months and asked if the payment was too high did I want to extend to XXXX  months and when I did all of a sudden I was no longer approved. When I asked the loan officers why he said his president further reviewed my credit history and would not approve the loan. I have a XXXX XXXX XXXX and a few years ago I fell on hard times but have tried since to get my XXXX XXXX built back up. So my daughter took money out of her XXXX plan and we went back to the bank with a request to approve a loan for half the amount- {$7000.00} and again was told no - I either had to come up with collateral to support it or it would not be approved. This money is to fix a XXXX XXXX XXXX XXXX XXXX  and if I don't get that fixed I will never be able to sell it and it will continue to XXXX- it is a XXXXXXXX XXXX XXXX XXXX When they told me I was approved I contacted the contractors to set up a date/time for them to repair XXXX XXXX  and then had to cancel it.