23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records. 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 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

I have dispute a account 2 account with XXXX that was not mine ccs collections and XXXX XXXX XXXX these are not my account I am a victim of identity theft I have police records to prove it please remove this off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  Account Number XXXX CLOSED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX COLLECTION ACCOUNT balance {$700.00} Original Creditor Name CREDIT XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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.
Product: Mortgage

Trying to reach a solution, Mr Cooper is offering 3 options when our pandemic forebearance ends XXXX-lump sum payment, short sale, deed in lieu. These are not acceptable. Our loan trustee is XXXX XXXX XXXX XXXX and investor is XXXX XXXX. Can the missed payments be moved to end of the loan? Do any other options exist?
Product: Credit reporting, credit repair services, or other personal consumer reports

Foresight capital LLC and XXXX XXXX XXXX -LOS is an unauthorized creditor on my report that I did not give consent to pull or check my credit on XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

Starting from the middle of XXXX until now, I started to receive less and less on my paychecks from my job. Dailypay requests and ( upon early transfer ) an early transfer fee in the amount of {$2.00}. When the early transfer completes, its confirmed that XXXX is taken upon the transfer to the card you have or you your bank. Upon payday, Dailypay takes another XXXX TIMES the number of times you took an early transfer! So they take the same {$2.00} twice. They deny that they do this even with the evidence requested!! They took an XXXX dollar check I had, and gave me XXXX!! This past pay day on XX/XX/year>, they kept my entire check!! They say its their money from now on and it always was! When its really borrowing your own money from the job you work!! Im furious and reported this to the XXXX  with no resolution!!
Product: Payday loan, title loan, or personal loan

I took out an installment loan with Upgrade with a principal sum of XXXX. Out of the XXXX they took a XXXX fee and stated that it was considered prepaid interest. And stated that I would only be financing and paying interest on XXXX. I received my final TIL statement showing the amount financed was XXXX and all seemed to be in order. But now when I log on to my account they are stating that I have a principal balance of XXXX to pay back still. Which is not in line with the TIL and other loan documents that I signed as well as the explanation they gave me of what I would be paying interest on. I called Upgrade and questioned this but did not receive an satisfactory explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/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 XXXXUpon 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 ; CHILD SUPPORT ENFORCEM 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX   score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

We have been working a loan modification with Citi Mortgage since XX/XX/XXXX. Citimortgage does not advise the client concisely what is pending within 30 days of receiving a package. They will request a documents then say it went to underwriting and come back and ask for more documents over the course of 6 months. Citimortgage confirmed all documents were received but then on XX/XX/XXXX more documents were requested. The bank is requiring the borrower to incur additional expenses without ensuring a loan modification such as the expense of a quit claim deed and to purchase homeowners insurance which is causing the client additional financial hardships. The bank requested homeowners insurance which could not take effect for 30 days due to the clients gap in homeowners insurance. Citi closed the file and assigned a new representative not familiar with the file right before a sale date. Citimortgage is intentionally prohibiting clients from being reviewed for a HAMP through these tactics and requesting documents from XXXX parties the customer has no control over how long the documents will be received such as the quit claim deed which required to be recorded and took a process of over 30 days and now requesting proof of homeowners insurance which took another 30 days for the binder to take effect. All documents requested by Citimortgage were submitted on XX/XX/XXXX. Due to assigning a new representative who is not familiar with the file we must begin the process again. Our office is experiencing this with all Citi files in our office. The HAMP directives are designed for the client to be reviewed within 30 days of a complete package but Citi will requesting additional documents right before the 30 days are up as to postpone the decision of the HAMP and totally disregard the HAMP Directives. Their missing documents letter are a general letter they send on all files which do not detail specifically what is pending but rather list all the documents need and the expiration dates for all documents needed as 90 day. Rather than provide the date the documents they have at hand with the perspective expiration dates. I submitted all documents requested hereto attached on XX/XX/XXXX. During this critical time before a sale date is not fair to the client to have a new representative assigned to the file.
Product: Mortgage

I received notification and a refund check for {$4900.00} from Citi Mortgage in XX/XX/XXXX with an explanation that the refund was a function of not getting the benefit of a interest rate reduction ( at origination in XX/XX/XXXX) given the overall relationship I had with the bank. In subsequent discussions with the customer service dept., I understand that I should have benefitted with a XXXXbps reduction ( 2.75 % vs 3 % ) on the mortgage. The rate is fixed for the first 10yrs ( untilXX/XX/XXXX ) and floats thereafter for the remaining life of the mortgage. When I asked how they arrived at the figure of {$4900.00} I was informed that they took the initial principle ( XXXX XXXX ) and applied the XXXXbps for the first 5 years ( {$390.00} x XXXXbps XXXX ). While I appreciate that there has been amortization on the loan ( to $ XXXX ) and they paid on amount w/o considering amortization, I believe they should pay on the 10 year fixed period as I would benefit by a lower interest rate for an additional 5 years if the correct interest rate ( 2.75 % ) was used at origination. When I asked if I could appeal this decision as to the time period used for reimbursement they said I could not and referred me to CFPB. I still have a extensive relationship with Citibank so was very disappointed that they took they position. Obviously, I am happy that an internal Citi audit uncovered this initial mistake but I believe they have fell short in turn of a fair reimbursement for the period where I should enjoy an interest rate reduction
Product: Consumer Loan

Went to a local auto sales lot and picked out a car and applied for a auto loan through their website. Loan vendor is Lendmark Financial Service located in XXXX, MD. Asked for $ XXXX. Was approved for the full amount at an ridiculous rate of 21.99 APR. I have good credit, great work history and well above avg salary. Later that same day I applied at my local credit union and was approved for the same loan at 3.99 APR. I am complaining because I want this type of predatory practice stopped.
Product: Money transfer, virtual currency, or money service

Dear Sirs, Doing our taxes we just realized this. 
On XX/XX/2018 we made a wire transfer for {$7500.00} from our Citi business account. 
On XX/XX/XXXX, we were charged again {$7500.00} and another wire went to the same person. 

Basically, Citi had some sort of system failure that charged us twice. 

When I call them, they say that the only thing they can do is issue a recall, and when we tried to reach the recipient we receive to answer. 

Please, let us know if you need al pertinent information to be able to help us.
Product: Mortgage

When we went into forbearance we were with XXXX XXXX, now we are out of forbearance as of XX/XX/XXXX and are with Selene Finance. We have talked to them and said that we would like restart payments for house as the same payment previously, with the amount in due from forbearance {$6500.00} deferred to the end of the mortgage payment. This is one of their options listed for coming out of forbearance. We have not been able to start this and they have sent certified letters to the address, not our billing address which are different locations, which talk of foreclosure.They have sent full application for a mortgage to us. We would like to make payment, monthly amount that we paid regulary before, and we have left 4 messages, sent emails,2 times, and called several times over phone trying to do this to no avail. 
They have not honored the choices that they put on web site to come out of forbearance
Product: Debt collection

The company XXXX XXXX XXXX  XXXX began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit report that were not authourized 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: Credit card

" I am a consumer and consumers have the right to privacy. 
Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what CAPITAL ONE is doing by demanding I owe an alleged debt. '' It has been reporting for 8 years
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

{$800.00} was stolen from my checking account on XX/XX/2022, using XXXX XXXX ( my debit card was in XXXX XXXX ) in a diffrent state. Within 5 minutes ( i get alerts if withdrawal is more that {$200.00} ) i called chase and opened a claim that is wasnt me. I have proof on my XXXX  bill showing my location when I called them. I have police report and I followed every step to file a claim. Chase received all documentation and they closed my case claiming because XXXX XXXX  was used they decided transaction was authorized. I spent 7 h calling them, I am a customer for 20 years and they promote digital wallet as a safe product claiming there is 0 liability and you are protected and your money is safe with them. I never lost my phone neither my debit card. I have no clue how such a fraud could happen. Please note that last response I received on XX/XX/2022 that they closed the case because it was authorized. Please help
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint on XX/XX/22 with Wakefield and Associates complaint # XXXX and the resolution was that they claimed that they have sent a request for deletion to the 3 credit reporting agencies on XX/XX/22 with the XXXX  and they have yet to follow through with their claim. They claim to be investigating since XX/XX/22. I check my credit report daily and pull my report weekly, I know that per company policies the 3 credit reporting agencies update negative requests immediately when they receive them. It has been 11 days since they made this claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I demand immediate and unwavering attention to my identity theft disputes. The languid pace at which your bureau has operated is nothing short of negligence, and it has amplified my suffering. It is high time you realize the real-world consequences of your inaction. PLEASE DELETE THIS ACCOUNT : XXXX XXXX XXXXXXXX
Product: Mortgage

I inherited a house when my father died. I was not aware that there was a small home equity loan with Bank of America. I was not contacted for 3 years regarding this loan despite BOA having all of my information as the beneficiary of my fathers trust. When I was finally contacted the house was in foreclosure. I tried to pay the loan right away. I have diligently been trying to pay this loan for the last year. I have run into one roadblock after another from Bank of America. Most of these have been as a result of BOA not providing accurate information to me or by BOA mailing information to the wrong address even though each and every phone call begins with me confirming my address. I have gone to the bank 3 times to wire the money and each time the information I was given was incorrect and I was not able to wire the money. In the time I have been working on this the amount I owe has increased by {$4000.00} in fees and interest. I believe they are delaying this to get more money from me. I have stacks of documentation as proof and there are hundreds of recorded phone calls initiated by me attempting to pay this bill. I have even contacted the local BOA branch and was told I can not pay the money there. I am asking for assistance in getting the added fees and interest removed and in settling this debt be me paying 80 % in a lump sum. I offered to pay 80 % of the loa as a settlement in a letter but BOA put up road blocks by requiring more and more information from me and offering no assistance in making a settlement. I have been in contact with the borrower assistance team at the law offices that BOA hired, most recently today, and have requested the reinstatement amount and information regarding where to wire the money, but the response continues to be that as soon as they have the information it will be mailed to me. Each day that this is delayed is costing me more money and that does not seem fair as the delays are not on my end. I do not know where to go from here and am asking for any help available. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 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, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Product: Debt or credit management

I paid a lot of money for credit repair and was never assisted or helped with my request.
Product: Debt collection

My mother, aunt, and husband received calls attempting to get in touch with me over an emergency business matter. My aunt was told by the caller that I gave her as a reference which I have never done. When I called the number and extension back, XXXX xXXXX four times, I only got a busy signal so I am unable to discern what the issue is in reference to.
Product: Debt collection

McMc Auto/ MIKE CARLSON MOTOR COMPANY did not follow through on their word with completing removing this paid off debt from my credit reporting. This company is unjustifiably claiming debt that has already been settled. Again, They did not completely remove this from my credit reporting like they agreed. I demand this account be deleted from my credit report immediately. This company has failed with conducting proper business.
Product: Credit card

I, XXXX XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS ON MY CREDIT REPORT AND I DO NOT FEEL LIKE I OWE THIS BALANCE AND I NEED ALL DOCUMENTATION