23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I made an appointment with a local branch of the Bank of America in  XXXX , NC in reference to a refinance home mortgage ( 15 years fix rate  ) . During the interview process, I presented all of the required documents along with authorization of  credit score check. Once initial application was completed and reviewed by the loan officer  NMLS ID :  XXXX  she advised that everything looks great and I should n't have any problem at underwriting etc for official approval of the loan. She requested my credit card information for an appraisal that she wanted to order right away and credit run fee total of {$540.00}. I asked her twice can you please make sure everything is correct and the estimated value she defined is realistic. She further assured me that her estimates are the worst case scenario and even if something changes we should be alright. About a month into the process an appraisal was completed and a report was generated which came close to a realistic value that was also available on  XXXX  and other websites. All of a sudden my application disappeared from the BoA website, and I made contact with loan  officer  but was unable to get a hold of her. About 5 days later she sends me an email stating that she not sure what had happened to my application and she will advise once she finds out what happened. Next day she sends me an email saying your brother does n't have enough established credit so that is way your application is denied . ( FYI,  my brother paid {$8000.00} in student loans in  XXXX  and a car loan of {$12000.00 } )  I asked her to please explain to me why all of a sudden she realized that my brother does n't have enough credit because she had all of the information during the initial application process. She ran the credit and carefully looked through and said you guys have excellent credit. She asked for more time and advised she is working very hard to get my loan approved. Few days later I received a letter from BoA stating apprised value came low and that is why the loan was denied.     I do n't understand why the l oan officer and BoA responses are so different from each other. I believed loan officer de cision to over estimate my home and had me pay for the appraisal shows lack of knowledge and bad business practice. I lost {$540.00} and still do n't know for sure what took place and why I have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX 

As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the Attorneys General of several states and have been found to have acted in a fraudulent manner. 

Due to the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

My Federal loans in the amount of {$65000.00} plus interest were XXXX via the XXXX XXXX XXXX XXXX XXXX case but were eligible to be XXXX under the XXXX XXXX  recent actions as well. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. 

After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 

This application is a sham. 

Why do we need to prove anything? Navient knows who we are. 

Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

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: Money transfer, virtual currency, or money service

Hello Sir/Madam hope this mail finds you well, okay i will go straight to the point, my paypal account was closed and it is very depressing because inspite of me uploading all the documents I was asked of, I still get the mail that my paypal account has been permanently limited, the main reason I was asked to upload my documents was because I was almost reaching the paypal limit, you can confirm what am saying, by checking my paypal account ... XXXX. My name is XXXX XXXX and I would kindly request for you to check and reconsider reopening my paypal account , it has not been in any bad transactions, I linked it to paypal XXXX because I am from XXXX, the attached documents are evident of all that I uploaded successfully I have attached a copy of my Identity Card and a copy of my goverment issued document. Hope to hear from you soon thank you for your time.
Product: Vehicle loan or lease

I call Kia Finance at the end of XXXX, I was told I could defer 3 payments due to the affect of the corona virus, I would need to call a few days prior to the payment due date each month and put in the request. I requested for the XXXX payment to be deferred which I was told was approved, however the finance company proceeded to put the payment through my bank and the payment was returned since the funds were not available which was the reason for the deferred request in the first place. I called Kia Finance and spoke with a representative who stated that when I originally called for the deferral the rep should have taken my account off of auto pay, she then stated that she would refund the fee 's associated with the transaction since the deferral was approved. I called again in XXXX at the end of the month prior to the due date and requested the deferral which again I was told was approved. I called yesterday XX/XX/XXXX to put in the 3rd request for the XXXX payment and was told that I owe {$1400.00}. that I had 2 returned payments, when I tried to explain to the representative what had happened she was very nasty and argumentative, she continued to tell me that I had deferred a payment in XXXX which did not happen I made my XXXX payment, the deferral program didn't start until XXXX when our state was locked down, it got to the point where she was yelling that we could end the call right now or we could proceed to request the deferral for XXXX instead of XXXX so instead of making things worse I answered her questions and tried to call again this morning and speak with a supervisor and was told no one was available to assist me which is what I have been told every time that I have made that request. 

I was assured by the representative that I spoke with in XXXX that this would not affect my credit and that the payments would be moved to the end of my lease, now I have payments showing 30 days late along with late fees. I have always been an outstanding customer with Kia Finance, this is my 2nd lease with them and my payments were always set up on auto pay and have been paid every month on time. In the past 3 months I have had the worst customer service, they have been very rude and unwilling to try to rectify the mistake that was made on their end that is causing financial problems along with a very negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem  paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked ver y long for has dropped over  XXXX  points because of something preventable. Thank you
Product: Credit reporting or other personal consumer reports

I am reaching out once again to address the items previously highlighted in the complaint dated XX/XX/2023, categorized under each specified bureau. I urge you to expeditiously eradicate these entries from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). The following items are identified for removal under each bureau : EXPERIAN : 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
Product: Debt collection

Radius Global is trying to collect a debt they never gave me a chance to dispute. I never received any mail stating that they were collecting this debt and they are posing as XXXX on my credit report trying to collect this debt. I mailed them a letter attached and received no response from them.
Product: Mortgage

My mortgage was sold to NATIONSTAR MORTGAGE in XXXX of 2015. Prior to being sold to NATIONSTAR MORTGAGE my monthly payment was {$640.00}. NATIONSTAR sent notice that my new payment would be {$650.00} however they did not provide any justification for the increase. My payment has now increased to {$750.00} again with no justification. They are constantly calling me and sending junk mail asking me to refinance by they have never provided an escrow statement or justification of the increase.
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. 

XXXX  account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights.

15 U.S.C 1681 SECTION 602 A. States I have rights 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 card

I received a paper bill with a late fee of {$30.00} & a " minimum interest charge '' of {$3.00}. My bill is {$41.00} without that late fee. With the late fee and Minimum interest charge, it is {$74.00}. In accordance with the law, it is illegal to charge the {$30.00} for a late fee per CFPB. Late fees are capped at {$8.00} per incident. I just got this card last month and made a one time purchase shortly before XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a fraudulent wire transfer was made from my savings acct in the amount of {$9900.00}. I immediately contacted USAA Federal Savings Bank. I have since called USAA everyday to only be given the run around that a Fraud Specialist will call me and have yet to receive a phone call. In addition, I have not received any correspondence stating the actions that have been taken. Through verbal conversation I was told the review was completed on XX/XX/XXXX. It is XX/XX/XXXX and when I called USAA they have no additional information. One representative said I should receive a refund while another will say I may not receive a refund. I have not been given any clear answers or guidance. Everything I do know has been through phone conversations when I have called them. When asked to speak with a supervisor I am told there aren't any available. This is not acceptable customer service and has caused me unnecessary stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts from my credit report immediately. 
Unauthorized Accounts : 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 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
Product: Mortgage

Wells Fargo has refused to disclose The details of the error staing that it is proprietary. The lack of transparency prevents me from understanding the nature of the error And verifying whether the compensation adequately addresses the harm caused XXXX have asked for clarification but was only provided general repsponses which do not explain how the error occurred or how the amount was calculated. This situation has caused me and my family financial stress and i believe i deserve to know how this error impacted my loan.I request a review from both modifications that Wells Fargo has provided for me to ensure no other errors have been made
Product: Credit reporting, credit repair services, or other personal consumer reports

This is outrageous! I am a victim of Identity theft and was told by my lawyer to come through the CFPB because Equifax wouldn't respond to my claim. Then, when I do submit a complaint, they state its not me! To prove that it is me, I have a notarized letter as proof that it is me submitting this complaint about the fraudulent acccounts on my credit report! have also included my FTC report that I've filed with the federal trade commission with the accounts that are fraudulent on my credit report. This is not how an Identity theft victim should be handled. It is the consumer reporting agencies job to ensure that, I the consumer 's report is reporting accurately. They have failed me and it is defamation of my character. Equifax is the only one that is giving me a hard time. I'm so tired!
Product: Checking or savings account

XXXX XXXX XXXXXXXX assessed a bank garnishment against my account, Chase illegally complied with it and refused to reverse it. The levy is illegal because I am an Oregon resident, this was ( actually ) an out of state lawsuit and process ( although there is an Oregon attorney, the firm is based in California and all processes were performed in California ). The levy was illegal because up to {$2500.00} in funds are automatically exempt in Oregon, per law, and I have/had far less than that currently in my account, thus the funds were exempt.

When I contacted Chase, an associate with limited English abilities attempted to patronizingly explain I was not exempt because the debt was created prior to the law being enacted, however, the law does not account for this, so Chase has still violated my rights.
Product: Checking or savings account

On XX/XX/2021 I made a credit card payment to XXXX in person at their XXXX XXXX XXXX store. They sent the transaction as an electronic transfer to Bank of America referencing my check # XXXX on XX/XX/2021 which the bank paid. For some reason someone at XXXX had submitted the actual check to B of A again on XX/XX/2021. The bank paid the check again and charged me an overdraft fee ( reversed the next day after I called to complain ). The first customer service rep I talked to acknowledged that it did appear as if they had paid the same item twice, but refused to give me my money back and said it would have to be submitted to their fraud dept., which could take up to 10 days to process my refund. She said she would report it but did not. I was angry but I waited a reasonable amount of time and when nothing happened I went to my local branch. The assistant manager tried to help me but could only put me in contact with the fraud dept,, where I found out nothing had been done and I got the same run around about nothing could be done until they did an investigation ( another 10 days ). The B of A obviously made a mistake but refuses to accept any responsibility and is trying to get me to go back to XXXX ( who obviously XXXX  up too ). I don't want my money back from XXXX. B of A screwed up and should admit it and give me my money back. I can not even talk directly to XXXX as it is my wife 's account. Please try to pressure them into doing what they should already have done. Thank You XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX was added to my credit file by LVNV Funding LLC XXXX This address I never lived at this XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX nor received MAIL there. This is an 18 U.S. Code 1342 federal law prohibiting using a fictious name or address in any matter related to the United States Postal Service
Product: Checking or savings account

Since our relationship with Chase began, every check we deposit in our business account is put on hold for XXXX hours to XXXX weeks. If we deposit through credit card payment, cashier 's check, or checks, they always state that they put it on a random hold, but it is always on a hold. We are a small business and depend on this deposit to stay afloat. We have attempted to find a solution by applying for a merchant account. Still, they denied it because we do not have enough money or a high deposit history consistently to get approved for a large deposit account, merchant account, or any other business solution ; when speaking to other members of this bank with a small business, we have found that this is not their experience. We tried to deposit a cashier 's check today for XXXX, but it was put on hold until the end of the month. We were told if we deposit a bank guarantee check, it will not be put on hold. We can not run our business when the bank will not let us use the money paid to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX , XXXX, PA XXXX HQ closed my account with two of the bureaus XXXX and XXXX, however they are still reporting it active with Equifax. They are reporting the account still open and that I made a current payment in XXXX. I have not made a payment to them since XXXX the account has been closed however they are illegally submitting false documentation to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$130.00} Open balance XXXXXXXX XXXX XXXX Original creditor
Product: Money transfer, virtual currency, or money service

On XX/XX/23 Zelle Inc closed my account without contacting me or conducting any investigation. I received a phone call from my financial institution ( XXXX XXXX ) that I was accused of fraud. I submitted text messages from the accuser directly to Zelle Inc on XX/XX/23 as proof that I did not commit any fraudulent activities. As of todays date XX/XX/23, I have not received a response or investigation regarding the falsified claim made against me and my suspended Zelle account.
Product: Credit reporting or other personal consumer reports

Maintaining timely payments on this account has been consistent for me, ensuring no occurrences of overdue payments. I'm uncertain about the reasons behind the recorded late payment remarks on my accounts. As outlined in XXXX XXXX XXXX - Billing Error, corrections should be enacted.
Product: Debt collection

I submitted a complaint against United Revenue Corporation back in XXXX over a {$330.00} debt they are claiming has not been paid, XXXX 's response was " United Revenue Corporation ( URC ) is dedicated to investigating, verifying, and validating any account that may be disputed by a consumer. In response to this complaint, URC searched our records and then contacted our client to ascertain if any payment had been received. Neither our client nor this office has received any payment whatsoever on this account. In order to refresh the consumers memory, URC obtained an itemization of this account and mailed it to the consumer at the address he provides in this complaint. A copy of the letter is attached to our response as XXXX XXXX. URC has reported the account as disputed to XXXX but we confirm that the account and our report have been investigated and both are completely accurate. If XXXX XXXX can locate any information that would shed light on his assertion that the account has been paid, URC will reinvestigate. '' After reviewing this further ; I prefer to not have to wait until XX/XX/XXXX for this to fall off my credit when this is something that has been taken care of ; I unfortunately do not keep phone records from years ago ; and have no was of proving that this has been taken care of ; After diligent research Multiple experiences have occurred where this company has not been fully transparent and I simply want to resolve this claim, After seeing the " F '' rating on BBB ; and reading multiple accounts of people who 've had issues ; I simply am attempting to resolve this ; and am requesting that this company closes the account ; and removes this from my credit report as it should n't have ever been on my credit report to begin with. 

Please consider my request ; I really do not want to have to wait until XX/XX/XXXX for this ; but I will not pay for something twice. United Revenue Corporation should have never been sold this debt ; and have also been placed in an unfair position, However I still request that you assist me in resolving this and remove it from all credit agencies.