23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether XXXX will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a 100 % payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand XXXX credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.
Product: Student loan

I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated in XXXX from XXXX. XXXX closed their doors officially in XXXX of XXXX, and they have given me the run around on why their doors were actually closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; TXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; KXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a wire transfer for {$10000.00} from Citi Bank to XXXXXXXX XXXXXXXX in XXXX. While the money was deducted from my account the beneficiary has not received the funds as of XX/XX/XXXX. I have called the Citi wire department numerous times yet Citi has not provided me any information about the lost funds and refuses to refund me.
Product: Debt collection

I told you people and the BBB in ohio about these malignant   XXXX    from comenity bank collections. 2 1/2 years later AND 100 times they were told THERE is no imaginary   XXXX   XXXX   living in MY apt . hiding under MY table. I do n't give a   XXXX   who what where they looking for.   XXXX   XXXX   would tell this opprobrious derelicts  XXXX  changed her number. I looked it up on  XXXX  ONLY 3   XXXX   XXXX   in california, about   XXXX   miles south of me. Which   XXXX   XXXX   are these   XXXX   looking for. I want them jailed and punitive damages owed me for there malignant harassment, BLATANT stuck on  XXXX , SUBREPTION, this bank and there contracted collection agencies KEEP lying there sorry   XXXX   off, THEY claim to delete my number, AND stop there stuck on   XXXX   calling me. IS   XXXX   XXXX    THERE?! # Criminal  XXXX , TORT OF OUTRAGE is punitive. LAST   XXXX   I had to ONCE again verbally abuse called me from   XXXX   XXXX   XXXX   on  XXXX - XXXX -2017. THESE opprobriously malignant clowns have been told OVER 100 times in the last 2 years, THIS is my recycled number, there is NO fictitious   XXXX   XXXX   at MY residence!!!!!
Product: Mortgage

On XX/XX/20, my wife and I applied for a mortgage with Chase. Our combined credit score is XXXX each. We entered our income and home information up front. 
{$230000.00} home value with {$210000.00} financed. We have income at {$110000.00} per year and low debt. We qualify for the loan. Even knowing this information Chase proceeded to pull our credit and proceed with the application even though they are now refusing any non 20 % down loans. Knowing they are only taking 20 % loans they should have stopped the application immediately. Instead a hard credit was pulled on my wife and myself for a loan Chase doesnt even offer. 
Why is chase the only bank not offering other loans? 
Why are they wasting my time if we dont qualify? 
Why was my credit pulled if we dont qualify?
Product: Bank account or service

After making a XXXX deposit in my Citibank account last week. 
I attempted to pay some bills once the banking website saidThat my funds are available. XXXX bills including my mortgagePayment were denied payment even though the money isIn the account. As an alternative I attempted to transfer theMoney to my Citibank credit card so I could pay the bills that wayHoping that it might be faster now that I am behind on my bills. 
This was denied as well. 
I called into Citibanks customer service who told me I needed to goInto a Citibank location for resolution. Problem is theyDo not have a location in XXXX where I live and do not haveOne in XXXX or XXXX. So unless I buy a plane ticket the onlyOther way for me to access my own money in my checking accountIs to write a letter to Citibank requesting access. This is the most ridiculousSolution I have ever been given to access my own money. 
My account was not overdrawn when I made the deposit and myCitibank credit card has always been on time and is also in good standing. 
The Citibank Customer service agent would not give me any reasonWhy my account is on hold. She also refused to give me anyFurther escalation phone number including a number for their '' Office of the President '' so I could make a formal complaint. 
So at the end of the call with XXXX in checking on an accountThat is good standing as well as a credit card I am left with writing a letter. 
That is completely unacceptable resolution to a consumer and I amAsking for your assistance.
Product: Credit card

I gave US Bank a deposit of {$300.00} to fund a XXXX XXXX secured credit card that they offer for those trying to build credit. I currently have alleged child support debt in which I'm in the process of getting adjudicated and terminated. A notice was sent to US Bank from child support to seize any money that I may or may not have in a savings or checking account or any type of cash assets. The {$300.00} provided to US Bank was US Bank 's money upon receiving it under United States law and given for a specific use of a revolving credit account to help build my credit. They went out of their way after receiving this notice to close the account and send this {$300.00} that was given to them to the child support. It doesn't feel right to me so that's why I'm filing a complaint.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before i seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX XXXX, I called my federal student loan servicer, PHEAA, to request that the additional payments ( beyond the minimum due ) I was putting towards my loans each month be targeted at my highest interest loans first, in descending order. I was informed by the person I spoke with at PHEAA that I would have to message them through their online portal to do so. I did this on XXXX XXXX, XXXX. 

The next month, I saw that my additional payment had not been targeted at my highest interest loans, but simply disbursed equally among all of my loans as it had in previous months. I called PHEAA again, and was informed that I would have to hand-write and sign a letter ordering them to disburse the payments in the manner I wanted, scan this letter, and upload it through their online portal ( at myfedloan.org ). Frustrated, I did so on XXXX XXXX, XXXX. 

The issue finally seemed to be resolved, and for several months my additional payment was targeted at my highest-interest loan. However, on checking the disbursement this month, I discovered to my dismay that they had again disbursed my additional payment equally among all of my loans in direct violation of my request -- twice over the phone, once through an email, and once through a hand-written letter that was scanned and uploaded to PHEAA 's awful website.
It is unclear how to proceed as PHEAA seems perennially unable to fallow the simplest directions in a task that seems incredibly easy ( i.e., just taking several hundred dollars that I am *trying* to give them each month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my free credit report from Transunion in XX/XX/2018 and received my report with the envelope opened. Upon inspection of the envelope, I noticed that the letter was not sealed properly. This is first class mail, very personal, my entire financial history so casually returned to me unsecured. I was upset and wrote them a letter dated XX/XX/2018. No  creditable response as of yet and I, take my credit serious and feel that this company has failed us.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : American Honda Finance ( account number XXXX )
Product: Credit reporting or other personal consumer reports

I had 3 different types of block on my EQUIFAX credit report, a promotional block, Inquiry block, and an internal ( equifax ) block.. I have requested all 3 of these blocks to remove from my credit file 6 different times, each time I am told the block is being removed.. but yet the block remains. This block is preventing me from obtaining credit loans
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 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER Starting in : XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate
Product: Credit card

I had many charges on my Venmo Credit Card account, I called and disputed. They did nothing and continued to charge me for it and charged interest. I told them to cancel the charges, refund me and send me a new card. They never did that. So I continued to message them about it and their customer service was awful and they did nothing. I still to this day almost a year later have constant late fees and interests on the account. I asked them after they ignored me disputing all the charges to cancel my account but they didn't. I will NEVER use venmo ever again. I just want the whole thing resolved and off my back.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} DEPT OF ED/XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$670.00} XXXX XXXXXXXX {$290.00} XXXX XXXX {$550.00} XXXXXXXX XXXX   XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX  XXXX {$3500.00} DEP ED/XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$9100.00} DPT EDXXXX XXXX {$22000.00} XXXX   XXXX {$670.00} XXXX   XXXX {$6400.00} XXXX   XXXX {$4000.00} XXXX   XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX   XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$720000.00} XXXX XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$610.00} XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted all necessary paperwork for fraudulent inquiries to be removed over 30 days ago with no correspondence. Recently called Transunion and a rep in the Fraud Department says that she will not investigate or remove anything and hung up in my face.
Product: Mortgage

In XX/XX/XXXX I got a loan from XXXX and was having the monies auto-draft from my account until my monies went from less than {$850.00} to more than {$2300.00} in XX/XX/XXXX. I was trying to get a lawyer to help me with this crazy increase for the 18months I had this load before I was advised to give it up, because the housing market was going crazy and no one had any answers. So, I let the house go into foreclosure. In XX/XX/XXXX, I received an application from the Virginia Attorney General telling me that I was owed my money back and I had to fill out this application and e-mail it back to them. I did this and have been waiting for my monies every sends. By XX/XX/XXXX, Virginia got XXXX XXXX dollars to refund monies back to people that lost there home from the loan scam and I didn't get a check. I called the Attorney General office and after no clear answers to my questions, I moved to XXXX to see what happen to my check. It wasn't until XX/XX/XXXX that some one at the Attorney General 's office informed me that XX/XX/XXXX participants was cut out of the deal between XXXX XXXX XXXX for the loan scams to pick-up loans from XX/XX/XXXX and up. I asked them where does that leaves me. No one had an answer at the time and told me to keep in touch to learn how XX/XX/XXXX was going to get compensated for their refund. I have done just that up until XX/XX/XXXX when the Attorney General allowed Lawyers to help out people that had not got their monies back. I contact a lawyer whom was referred to me by his daughter whom gave me his cell phone number in XX/XX/XXXX. He gave me his office number and ask me to make an appointment. I complied and after we met he ask me " XXXX what you going to do with all that money? '' I didn't reply because it was a bias question. He dismissed me and told me to call him the next day. I called him and he said that he was not going to take my case. So, I wrote to Washington D.C. to President Obama and ask for help. They sent me information to contact someone and they gave me the same lawyer. I contacted XXXX XXXX housing and they sent me to the same lawyer. I contacted the County of XXXX and they too gave me they same lawyer. For the last few years I have been trying to get someone to help me with my case and was told that that was the only lawyer around here that handle that kind of case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I completed a mortgage application, paid a fee and never heard back from the banker. Even after making several calls and sending several emails. The banker stopped responding. I have great credit. The banker took my application, ran credit, charged a fee and disappeared.
Product: Credit card

Unethical, dishonest, and unprofessional behavior On XX/XX/2024 at XXXX pm I was trying to make a purchase online at XXXX XXXX. I decided to apply for a store card for the financing offer. I needed to make the purchase on this evening to have it delivered the next day. The application required me to call to provide " additional information ''. The representative did not need ANY information that I did not already provide online! 

I explained to him that to continue with this application I needed to be able to use the card immediately and he specifically told me that I would receive an email and be able to complete my purchase. This was absolutely untrue and he outright lied to me to have me finish the process and have the card issued! I called back at XXXX because I still hadnt received the email, this is when another agent confirmed to me he was mistaken. 

I asked her to immediately close the account and cancel everything and she said she couldnt. I would need to call back in three days to cancel. 

If he had been honest with me I could have canceled the application and used XXXX XXXX, XXXX, or another store to get my purchase delivered the next day. Now I have a hard inquiry on my credit with a new account which will drop my credit score for months. This is such unethical and dishonest behavior for a financial service provider with no thought or care to how such dishonesty can hurt those being lied to. Especially for someone who is trying to reestablish their credit in the USA after living abroad for XXXX years.