23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have tried for nearly 2years to get a loan on our houses without success. Have also tried to, refinance our business property with out success. We are both in our XXXX. My husband is self employed and I am still working full time. Our home is not mortgaged and our business is with a high interest. The properties are worth XXXX XXXX.We have tried various loan sources who promise a lot. My husband is a veteran and we can not get at VA loan. We get no response as to why.
Product: Credit card

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX  XXXX no answer I dont use XXXX XXXXl You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I had sent the money on XXXX XXXX. They claimed to sent the money to the recipient within seconds. I contacted them a week ago and they asked to me submit the recipient 's bank statement proving that she hasn't received any money. Now, its again been XXXX  days and there is still no whereabouts. I was told that the money should be there within XXXX working days which also ended yesterday. My niece required this money for her survival at XXXX since she is pursuing her XXXX  there. I don't know what is going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors from DISCOVERY FINANCIALS SERVICES are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Product: Bank account or service

I have been out of work for a year and a half so my checking acct. was at {$0.00}. A small automatic withdrawal was made while I was in the hospital. I do n't even know what it was for because they cut off my access to my online account. The penalties imposed by the bank was {$140.00} on a under {$10.00} automatic withdrawl which there was no money in the account and had n't been for months. On XX/XX/XXXX I received a letter from chase saying they had changed the overdraft fees etc and they made a credit to my account of {$140.00} with an ending balance of {$0.00}. On XX/XX/XXXX, I received a letter telling me they closed my account, cut of all access to the account, and REPORTED ME TO THE EARLY WARNING SYSTEM WHICH HAS KEPT ME FROM GETTING A CHECKING ACCOUNT and sent me to collection. This happens at a time when I am trying to start a small business. I thought maybe the letters crossed in the mail, but nooo on XX/XX/XXXX, I received a letter from chase 's internal recovery unit demanding payment. XXXX MONTHS LATER THEY STILL ARE DESTROYING ME FINANCIAL. HOW IS IT POSSIBLE FOR A DEPOSIT THEY MADE INTO MY ACCOUNT NOT BE CREDITED TO MY ACCOUNT??? Do they have XXXX sets of books? I can guarantee they would have a withdrawal recorded to my account in seconds from anywhere in the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud/identity theft. I discovered that someone open a checking & credit card account with XXXX. I contacted them on several occasions with they didnt request my police report or any information. They stated they will put the account in a dispute process. A week later they are saying the information was verified. I spoke with them on today XX/XX/2020 & said the account and information is fraud and they are investigating and will notify me within 30 Days. 

I contact Early Warning to have this information removed & it came back verified. I sent in another dispute claim and they did not submit it to XXXX. I was informed that it was the same information as last time. 

No one is doing their job and you cant speak to anyone with any knowledge or sense.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

NationStar/ Mr. Cooper is intentional miss applying extra payments attended to pay down my mortgage. After several phones call and threats to file a complaint they applied {$390.00} paid to them in XXXX on XX/XX/XXXX ( see documentation ). This payment should be adjusted for XXXX when it was paid to them and not holding it for 2 years in some unapplied account fund making the company money via interest in their accounts. Furthermore, after phones call in XXXX and XX/XX/XXXX regarding extra payments paid to them in XXXX they reversed {$430.00} that was applied as a regular payment XX/XX/XXXX ( see documentation ). When I question why would anyone want to make extra payments toward interest and not the principal, they gave me some lame excuse about they thought I was just paying a month in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian multiple times in regards to XXXX XXXX and XXXX incorrect on my credit report. I paid XXXX off the loan was XXXX I paid them over XXXX The loan was illegal in CA and Experian is blowing this off. I am not paying anymore to these fraudsters XXXX and XXXX or XXXX who is now out of business due to their 138 % percent interest rate loans being illegal. These negative items need to be removed from my credit report ASAP as Experian is taking 3 days to dispute then stating valid. Both XXXX and XXXX removed XXXX and XXXX me from my report 2 years ago and Experian has done a poor job of protecting me. I refuse to pay something I do not owe, let alone something so illegal. This company XXXX has nothing about this and XXXX is defunct.
Product: Debt collection

I have attached a memo with my statement. My identity was stolen in XXXX, having 4 student loans taken out. The other 3 were removed from my credit report between XXXX. I did not realized the XXXX loan because my Uncle, ( XXXX XXXX, deceased ) and my Mother ( XXXX XXXX, deceased ) were the primary and secondary applicant. I was listed as STUDENT, so it was never on my credit report. I was XXXX XXXX XXXX XXXX as the time when my mother called me and said she, " Couldn't keep paying this bill. '' I didn't know what she was talking about but she said it was a student loan, so I began paying it as well ( I was not in the country at the time ). Once I got back to XXXX  XXXX, I saw paperwork and had no idea what this loan was. I asked for the promissory note and immediately saw that it was not my signature ( see attached document ). I called the police who told me that it was 12 years ago and instead of filing a police report to contact the XXXX  State Attorney General ( see attached document ). XXXX will not process it because I only have signatures from now and my son 's XXXX birth certificate ( see attached document ). They attest that they need a signature from XXXX ( I don't have one ). They also contest that they need a police report ( the XXXX  State Attorney General document supersedes the police report ). They also contest that because payments were made it is 'ratified. ' Payments made from my mother ( early stage XXXX XXXX and XXXX ) were because she was bullied/frightened into making them. Payments by me were based on my mother 's statements and my unawareness of the situation and do not constitute acceptance. I have three student loan companies, ever : XXXX, XXXX and XXXX XXXX. That's it. If you look at the 2 pages after my XXXX XXXX, you can see screenshots of " my '' XXXX account. It is blank because not only was it fraud, but I am the STUDENT and not either the primary or secondary applicant. This was removed from my credit report in XXXX XXXX, after my mom died, by XXXX because the person on the phone said, " Even if it wasn't fraud, you are not liable because you are the STUDENT. '' XXXX has since put it back on my account and have me listed at the Primary co-signor which is not true, I never signed anything, it is not my signature, clearly seen by ALL OF THE EVIDENCE that I have submitted.
Product: Mortgage

Hello, we were planned to close our home on XX/XX/2021 and we had provided all the documentation to the MDE Home Loans , LLC. We also received the conditional approval from the MDE Home Loans with an approved rate of 2.625 %. The Underwriter XXXX XXXX had approved teh underwriting on XX/XX/2021. However, one week before the closing, the President of MDE Home Loans, XXXX XXXX XXXX called me to say that they can not close my loan with the rate of 2.625 %, as they had somehow not " locked in '' and drastically increased the rates to 3.25 % with buying one point for a sum amount. I mentioned that I had requested the loan processor, XXXX XXXX and the Senior Loan Analyst, XXXX XXXX to lock the rates but they never lock them as per my request. 

There has been many instances of gross negligence from the whole team at MDE Home Loans, and I have many instances and emails where the President of MDE had coerced me into signing documents by threatening to not move forward with the loan if I do not sign those documents.
Product: Credit reporting

I have never been able to access my credit report from Equifax because the questions they use online to verify my identity have absolutely no relation to my credit history. I tried again two days ago, and once again, all of the questions referenced mortgages, store credit cards and auto loans that I have never taken out, and phone numbers that do not belong to me. There was n't a single piece of verifiable information presented in any of the questions related to my accurate credit history, so it would have been impossible to verify my identity that way. I am able to access my reports from both XXXX and XXXX, and those show no problems with my credit -- but I was recently notified though my bank that there was a negative public record associated with my account. This, combined with Equifax 's inaccurate identity questions, makes me extremely concerned about the accuracy of Equifax 's report. A quick search online returns literally hundreds of complaints about this exact same online verification issue from Equifax. And on top of that, Equifax 's phone system is almost comically XXXX and seems intentionally evasive ; my call was dropped three times as I followed the prompts to speak to an actual representative. A customer service representative emailed me saying that I was free to submit a snail mail request for my report. But of course this is an arduous process not required by either of the other XXXX reporting agencies. People are much more likely to give up, rather than send their sensitive ( and possibly already potentially compromised ) information through the mail to a shady company. Altogether, this looks like Equifax is deliberately evading its federally-mandated responsibility to provide information to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act shows violations by the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX This account violates the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( 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.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report this account. The following account is being reported in error. Please delete the above account ASAP.
Product: Debt collection

XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : credit control llc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX : Account Number XXXX Reference number : XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : 1.

State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX XXXX
Product: Checking or savings account

Cash app states they had a technical issue between XXXX XXXX and XXXX XXXX. I already submitted a complaint but they took more money out of my account yesterday and they are giving the same reasons why they are just taking various amounts. 
My account has had transactions cancelled by cash app since XXXX XXXX. They have cancelled the XXXX transactions and these cancellations total {$500.00} after I added up all the cancelled fees. I did not cancel nor request to cancel any payments and I have received every order I placed through XXXX and after every transaction, my account balance reflected the money I spent. At no time did I have a higher amount in my account. 
I have never been notified of these cancellations or the technical error. So far, cash app has taken {$190.00} since XXXX XXXX under the claim of technical issue. I have never received any emails about this issue. 
A specialist was supposed to contact me 3 -5 days ago, I have no emails from cash app support or a cash app specialist. None of the representatives will provide me with a list of transactions that were affected by the technical issue and they will not disclose how much more money they will be taking. I can not close the account until this is resolved because I won't have access to complete this complaint. 

I also can not keep track of how much they are taking because the notifications pop up as an updated charge and then go away, I was able to screenshot one of the notifications. The transaction was paid for XXXX XXXX, cash app cancelled it at some point without notifying me. On XXXX XXXX {$51.00} was taken out of the account. Again, I don't know how many transactions were affected but this is taking money that I am currently earning and now I can not pay my rent because cash app keeps taking money out of my account.
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 XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # 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 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.

I Do not recognize these accounts
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 USC 1681. 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 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX CREDIT Are all closed accounts according to a free credit report I received from a free credit report company. XXXX, XXXX, and Experian have all done an investigation and the results have said these accounts are still in collections. 

XXXX CREDIT and/or XXXX CREDIT XXXX and are reporting twice on my report. XXXX CREDIT and/or XXXX  CREDIT XXXX  along with XXXX XXXX XXXX are also the same agency reporting XXXX times on the same closed account. I made a complaint to all XXXX bureaus and they came back saying there was no error.
Product: Debt collection

I called the original creditor XXXX XXXX XXXX in XXXXXXXX XXXX. I asked why they are saying I owe a debt? They said you probably left the apartment a mess. I said I did not. They said you probably caused damage. I said I did not. I asked do you have any Pictures or receipts? They said yes somewhere in a file. They asked me to call back the next day. I did. They said they couldn't find the file and to call back next week to give them time to find it. I called back and my number was ignored. 
I then get letters from a company called National Credit Systems Inc. I logged in to their site as requested. I opened a file that says itemization of charges. The file is empty. Nobody can explain to me or show proof of any reason I owe money.