23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a loan with New American Funding with a first payment due on XXXX XXXX 2015 and payable by no later than XXXX XXXX, 2015 to avoid a late fee charge. I checked with the company to be sure that I could submit advance checks for the mortgage amount to be credited each month and NOT TO BE CHARGED AS A LUMP SUM PAYMENT REDUCING THE PRINCIPAL. I was told I could do this and was given instructions on how to ensure the transactions occurred as I wanted. On XXXX XXXX, I mailed XXXX individual checks for each month : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with a memo on each check for the appropriate individual month 's payment. I sent a letter of explanation ; reiterating my conversation with the NAF rep. On XXXX XXXX I noticed the XXXX payment was not entered on line. I called on XXXX. XXXX and was told that due to the new payment system NAF " is at least 10 days behind posting and my payment should be posted Thursday and there would be no late charge even though the posting date would be real time. On XXXX XXXX I checked my bank statement and there is a transaction for each month 's check reducing my bank balance. On XXXX XXXX I called and was told that the corrections would be made within 7 days per the instructions I had originally submitted -- that there was an indication of a " notation in the system '' but it is not clear what it is - that the problems with their payment system are now corrected. I asked when would the corrections be made and she said she would call me to confirm the transactions have been corrected. I am skeptical because my instructions were clearly understood from the beginning ( or I was made to understand so ) and it appears they were ignored. I want to be sure the corrections are made, my instructions are followed as indicated in my letter to them and my follow up telephone conversations, that my bank account is reimbursed for the funds taken for XXXX, XXXX, XXXX, and XXXX. I do n't know what benefit resolution could accrue to be because they have debited by account 15 days prior to the XXXX mortgage due date, but if there is any I would like to know. If there is little or nothing in that regard, I will settle for the amount of the check for the XXXX 2015 mortgage due to be properly processed as requested and that New American Funding ensure that this problem is fixed and no customer has to endure this kind of stress of ineptness in the future ; especially when so much is done up front to avoid problems and confusion. ( See uploaded documents for details of this matter. )
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccuracies
Product: Student loan

On XX/XX/XXXX, I called XXXX University to take care of my past due Perkins loan. XXXX advised I needed to call XXXX XXXX XXXX as they have my account. I called XXXX and they stated that they could not pull up my account because they were doing a system update and to call back on XX/XX/XXXX. 

Called XXXX on XX/XX/XXXX at XXXX CST and they stated that my account had been sent to collections and that I needed to call XXXX XXXX XXXX at ( XXXX ) XXXX. I called them at XXXX CST and after providing my SSN, XXXX stated they do not have any account with my information. So at XXXX CST, I called XXXX back and explained the situation, this time being a little more irritated than the prior call. The representative, XXXX ID # XXXX, stated that they could try to file a Forbearance, but they don't know if it will be accepted since my account shows in Collections. I had XXXX email me the Forbearance forms and I faxed them back that same day. 

On XX/XX/XXXX at XXXX CST, I called XXXX to check status on my form I faxed over on XX/XX/XXXX. They stated they had not received my fax and will check with the account manager. 

On XX/XX/XXXX, I called XXXX again at XXXX CST to confirm they received my email from XX/XX/XXXX. but they advised I email my Forbearance form to XXXX and allow 10-14 business days to process. 

On XX/XX/XXXX. I called XXXX at XXXX CST and was on the line with them for 41 minutes. They stated they STILL had not received my forbearance form and that I should email to them while I was on the phone with them. Towards the end of the call, they finally confirmed that they did get my email and it will take XX/XX/XXXX business days to process. 

On XX/XX/XXXX, I received an email to do my Exit Interview online. I attempted to do this and kept getting errors and had to email customer service. 

On XX/XX/XXXX, I recieved an email back with a solution to the errors I was receiving On XX/XX/XXXX, I was completing the Exit Interview process but as I was finishing the forms, I received another error that my form couldn't be completed because the " Truth In Lending '' can not be signed because it does not have an associated file ''. Basically there was no form on the Exit Interview to agree to. 

Which brings us to today, XX/XX/XXXX. I received an email this morning stating " We apologize for the inconvenience. Out technical is currently working on that issue. We will going to send a paper copy of the Exit Interview to your mailing address. Kindly notify us if you did not receive a copy within a week. 

So after ALL of this back and fourth, STILL nothing has been done. I am actively trying to resolve my debt with XXXX, but their accounting service XXXX   XXXX XXXX is not doing their job in a time efficient manner. It has been OVER a month since my first communication with them on XX/XX/XXXX. I'm getting fed up with this process and need to get is resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 US Code 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, Transunion, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, ( 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 US Code 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. Transunion 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: Mortgage

I filled a complaint against XXXX XXXX  who bought XXXX XXXX. 
Back on XXXX XXXX XXXX approached to me ( I was ok with my original Mortgage with XXXX XXXX ) I bought my house for XXXX dollars back on XXXX. 
XXXX came over, valued my home at XXXX XXXX dollars. I thought was insane but they gave me all the appraisal documentation and lend me XXXX dollars in a XXXX which according to them it be locked at a low rate. 
I filed a claim through CFPB and looks like XXXX XXXX just send it to collections to a company called Fay Servicing. 
This was a predatory loan. 
I ask for this loan to get removed. 
Its my home and I have paid now more than the cost and not only that. My home is worth way less than what they claim. 
The house is worth XXXX dollars and according to them I owe XXXX XXXX dollars. 
I had to declare bankruptcy on XXXX because I just could not pay XXXX dollars a month instead of the original XXXX I was paying. 
THIS WAS A PREDATORY LOAN AND I AM LOOKING TO GET MY SANITY AND FINANCES BACK TO TRACK. 
I DEMAND FOR THIS LOAN TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 USC 1681 Section 602A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX
Product: Checking or savings account

I opened a chime account four months ago and from day one had issues accessing my funds. Problems consisting of making withdrawals, inability to utilize the ATM due to the atm not working without the actual physical debit card which was shipped to the wrong address multiple times i even have one still not accounted for. The dispute i filed with a charge in XXXX i believe still has not been resolved the customer service is a complete nightmare of giving people all your personal information and then being transferred to a different person and doing it all over again and again. Its coted me too much time and effort to get the results promoted by this " financial service '' Anything you can do to help would be greatly appreciated Thank You, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting

I contacted the Federal Bankruptcy Court once again on XXXX/XXXX/16 with respect to account ID # XXXX, ID XXXX and ID XXXX. The clerk stated that " they did not provide any information to the Consumer Reporting Agencies and the Court could not delete an inaccurate account. I then contacted Equifax and spoke with XXXX who then transferred me to the supervisor " XXXX ''. Equifax continues to document and state that the Courts have furnished the accounts to the Consumer Reporting Agencies and refuse to grant me the name and/or address of the third party vendor who provided the information to Equifax. The account are [ n ] ot mine are damaging my credit and life. Equifax refuses to provide me with the method of verification as required under 611 ( a ) ( 7 ). Equifax failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter back from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter indicated that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Product: Debt collection

XXXX and AFNI Debt Collection Services are negatively reporting on my credit report with XXXX, XXXX, and XXXX that I am late and owe {$330.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized 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. 

Account name XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name 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.
Product: Checking or savings account

Account was opened in XXXX XXXX 's name in XXXX XXXX. I filed forms to change the account into her trust which I manage as trustee on XX/XX/XXXX. Capital One bank immediately marked the account as suspicious and froze the funds. I have repeated contacted Capital One trying to resolve the issue. 

Finally on XX/XX/XXXX Capital One granted access to the account as Power of Attorney for XXXX XXXX. 

As of today, XXXX XXXX, Capital One will not release the funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

My hr deposited my whole paycheck into money lion they were only supposed to put 15percent. I figured out where my paycheck was and I tried to transfer it into my normal account and was prompted to the next page wich had an option for turbo transfer instead of the 5-7 day wait so I needed money picked that option but I didnt read it because it transferred it into some investment account and they wont let me withdraw my money! They have hung up on me they have laughed at me and they still havent answered where and when I will get my money!
Product: Credit card or prepaid card

Citibank closed my Sears cre dit card because according to the company, " 15 months of inactivity gave us a reason to close the card ''.  <P/> False.  <P/> There was activity as recent  as 1  week ago.  <P/> Sears Credit Card was supposed to list transactions that occurred  in  XX/XX/XXXX / XX/XX/XXXX  as fr aud. Due to incompetence and gross negligence, Sears treated the charges as a dispute and my charges remained on my card and interest and late fees piled on for months. After months of wranglin g, I Sears changed the dispute to fraud. I was " credited '' part of my balance.   <P/> I mention part of my balance, because yes, Sears brought the account to  XXXX , but what they are forgetting is that I made payments throughout the time fraud was on my account, to keep my credit card payments current. They stated that they credited all fees and charges, but there should be a credit balance on my account the payments I made.  <P/> On top of all of this, I received correspondence from Sears that the credit agencies were informed and received up to date, POSITIVE INFORMATION, that my account was  XXXX , paid in full and CURRENT and CURRENTLY OPEN.  <P/> I HAVE BEEN DEALING WITH CITI CARD SERVICES SINCE  XX/XX/XXXX  ABOUT THIS FRAUD MATTER AND BECAUSE THEY ISSUED THE TRANSACTIONS INCORRECTLY AND NEVER CREDITED ME, THEY NEVER SENT ME ANY NEW CARD.  <P/> AGAIN, I HAVE NOT HAD POSSESSION OF A CREDIT CARD FROM SEARS BECAUSE FRAUD WAS ON THE CARD. THEY FOUND THE CASE IN MY FAVOR AND THEY WERE AT FAULT.  <P/> I HAVE DOCUMENTATION PROVING THAT THEY ADMIT FAULT AND A WRITTEN APOLOGY. I ALSO HAVE DOCUMENTATION FROM SEARS THAT THEY WILL BE SENDING ME A NEW CARD AND THAT MY ACCOUNT IS OPEN. NOW, ITS REVERSE, THE ACCOUNT IS CLOSED?
Product: Credit reporting or other personal consumer reports

I changed my legal name and have filed disputes twice with Equifax. First dispute ( was sent pictures of valid drivers license front and back, also social security card front and back ) was XX/XX/year> and they said my name was updated yet it never shown as updated. On XX/XX/year> I checked to see if it was updated and I seen there was no mention of my name change anywhere, so I filed another dispute once again sent pictures of valid drivers license front and back, also social security card front and back. On XX/XX/year> they said the dispute was done and that the name was changed. On XX/XX/year> I logged into the website to check if it was done. I got another credit report and it shows XXXX information. No accounts, no name, no social, no addresses. Literally completely empty. The website still shows my old name as well for the account name. I have tried calling the customer support line but the interactive voice response says it cant verify me with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have unauthorized credit checks on my TransUnion Account. I did not authorize for my credit to be ran Here are the unauthorized credit checks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement datedXX/XX/XXXX. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
Product: Credit reporting or other personal consumer reports

On XXXX occasions, I sent certified letters to TransUnion requesting the removal of incorrect inquiries from my credit report. The first letter was sent on XX/XX/year>, and the second letter was sent on XX/XX/year>. Both letters outlined the details of the inquiries in question and explained why they were inaccurate. 

Despite following the proper procedures and providing supporting documentation, these inquiries have not been removed from my report, nor have I received a substantive response from TransUnion addressing the issue. I am requesting that TransUnion investigate this matter, take appropriate action to remove the erroneous inquiries, and provide confirmation of the corrections made to my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

MCM continues to report this account to credit bureus as open and continues to report an amount that continues to rise each time. They have not yet validated this account or amount when asked through letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.