23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were part of the predatory loans in 2007 with Country Wide. We are now with BOA. My friend and I purchased the home and she moved out due to a marriage and what we thought was an impending foreclosure with a mortgage of XXXX. We were XXXX single moms trying to co-parent XXXX kids. I got behind but was determined to keep the house since I had invested my entire life savings of XXXX. BOA agreed to do a loan modification instructing us that if my friend signed a Quit Claim they would remove her name and lower the payement to XXXX. Now the payement is affordable but they tacked on the late fees, past due and additional charges and I owe XXXX ( I had only owed XXXX ). They refuse to remove my friends name and she can not buy or rent anywhere. We were told they would remove her name at loan modification and then at an assumption ( which I did not qualify for ). Second issue : I have had at least 15 Customer Service Rep. each one telling me something different related to payments, etc. Third issues : I can never get in touch with an automated attendant to make a payment. I get paid at the end of the month so I try and pay on XXXX. I can not get a CSR or auto pay. Therefore I started trying to pay online. Twice I was on BOA website for three hours or more ( I have snapshots and documentation ) trying to make a payment without success due to the site would not work and even once for two days a Friday and a Sat. causing the payment to post after the first. Again I have more than XXXX pages of documents, emails etc showing I have tried to call and corresponding with BOA. 
When I look online several other BOA consumers are still having issues. I feel we should have been forgiven principal as well as opposed to all of this tacked on the end and now can not even sell the home. I have hung on for dear life for nine years to avoid foreclosure as a single mom through the crash in good faith doing the right thing and I think BOA should as well.
Product: Money transfer, virtual currency, or money service

I have explained to Paypal that the bank transfer ( Transaction : XXXX ) was going to a closed account and they need to cancel that transaction so I can transfer to a different bank account. 
Paypal mentioned that I need t contact my bank for a transfer that is going to a closed account. My Bank has stated that Paypal can only fix this. However, XXXX and XXXX from Paypal are suggesting that it may take 30 days for them to fix this. This is unacceptable.
Product: Vehicle loan or lease

On XX/XX/2017 at XXXX I ( XXXX XXXX ),  spoke with a XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 1st party collections office, I started the call by asking her if this is an attempt to collect a debt, she verified it was, without giving me the mini miranda, i then asked for a transfer for her manager to confirm of the violation, she sent me to the general manager " XXXX '' who advised me they are are 1st party collections and they don't Follow the FDCPA, I want to confirm if this was true or not? Also on the SAME CALL the general manager XXXX gave me Misleading information and literally said " since you have not paid this loan back yet, we are SUING you '', she actually said that threat over the phone, now i'm aware that collection agencies have the right to go to small claims court..however the reason why she gave me misleading information was because on the point of the call the account was still in collections and i was actually calling in to make payment arrangements ( i was only a month behind ).
Product: Checking or savings account

Account was frozen because of fraudulent activity. I filed a claim and was told the funds would be available to transfer or withdraw while we wait on the investigation. Once funds were available I continued to call and get sent to different departments only to tell me we could not remove the funds. Another claim was made because the investigation is causing a financial burden and then I was told I was denied. It has been a month since the investigation claim has been made and we still can not access the funds that are deposited to the account. It is causing a significant financial burden on myself and my family.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

MB FIN SVCS XXXX They gave me a late payment on account with them without sending me a bill. Since they didnt provide me with a bill i told them this resulted in a billing error, and that if i was wrong to provide me with the bill they sent me. Instead they sent me a copy of my lease contract. 
That was my first payment due and I also see on my contract that they took my first payment out of my down payment. So how was I late 30 days? Being that they couldnt provide me with a bill. Or proof that they sent me a bill. This results in a billing error. Them providing a contract instead of the bill they were suppose to send me and not removing the late payment is against the law and is violating my rights. The law says they can not give me a late payment on the account unless they provide the documentary evidence that i received the bill. 

Below i have attached what they sent me back trying to use it as the bill. But under the FCRA a contract and a bill are defined completely different. This does not meet the requirements of a bill.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated ; the accuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX, and XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of everyone with whom you verified the above so that I may follow up please send an updated copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

Re : Leased XX/XX/XXXX XXXX XXXX My 3-year lease with XXXX XXXX ended on XX/XX/XXXX. I have made every effort to return the car but XXXX XXXX has failed to cooperate. 

I had the pre-inspection done in XX/XX/XXXX, and the car was in approved for return. In early XX/XX/XXXX, I called XXXX XXXX and asked for instructions for returning the car, because the dealer from whom I obtained the car is no longer in business. A representative told me to call other XXXX dealers nearby. I called the 4 closest dealers, and all of them refused to accept the car. 

When I reported this to XXXX XXXX  on XX/XX/XXXX, the representative told me that they would send someone to collect the car within two days ( by XX/XX/XXXX ). However nobody called and nobody came to pick up the car. On XX/XX/XXXX I called again to inquire, and was told that I would be contacted in 2 weeks or so about the pickup. This contact never occurred. 

I have called numerous times about this matter, and XXXX XXXX representatives have repeatedly shifted the blame to third parties, refused to allow me to talk to a supervisor, and promised that someone would be sent to retrieve the car -- but this has not occurred. 

In the meantime, I have moved out of the state, so I can no longer store the car or deliver it anywhere. The car is being kept temporarily at a friends house, awaiting the promised retrieval. 

The last call I received from XXXX XXXX was XX/XX/XXXX, and the representative again promised that the car would be retrieved, and someone would contact me within 48 hours to make arrangements. And once again, the promised contact did not occur. 

Back when I was first told the car would be picked up ( XX/XX/XXXX ), I filled out the DMV form to release responsibility for the car. Since then, my lease has ended ( on XX/XX/XXXX ) and I believe all my obligations concerning the car have ended. The car is no longer registered in my name or insured by me. XXXX XXXX/Santander Bank is now Owner of the vehicle and is legally responsible for the car. But their dealers refuse to take the car and they keep failing to pick it up. 

As far as I'm concerned, this is an abandoned vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 )  XXXX XXXX, ( 2 ) Dept of ED/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}
Product: Credit reporting or other personal consumer reports

I requested a consumer report and did not get one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a born US citizen, I am a living human being, I have rights under 15 USC 1681! Experian is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Experian written permission to furnish these accounts or inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Paid car note late but also paid for the {$25.00} late fee have been making partial payments and late fees. Also my car was totaled and I left a voicemail and they are still charging me for the month that it was totaled after I informed them and they 're charging {$100.00} more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, this complaint due to the new evidence. I represent myself by myself. I'm victim of identity theft and my personal information was compromised. As a result I got hard inquires on my report that I have never authorized. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have come to you, the credit reporting agencies to resolve these issues. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these unauthorized hard inquiries from my report.
Product: Checking or savings account

I have a Capital One checking account. My direct deposit from work normally appears on Wednesday evening or Thursday morning. I also was expecting a deposit for a loan I took out ( large amount ). Neither one is showing in my account. I was told by a Capital One representative that there was a known issue that is being worked on, but that there is no timeline as to when the money will be available for their customers. I live check to check, and one of my automatic withdrawals from the IRS has already been rejected for lack of funds.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Experian : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE INFORMATION ON MY CREDIT REPORTS TRANSION UNION, XXXX, AND XXXX THERE IS INCCURACTE SPELLING OF MY NAME CREDIT BREAUS REPLIED BACK SAYING VERFIED HAVE PLACE SECURITY FREEZES WITH XXXX, XXXX, XXXX XXXX XXXX XXXX SUPRESSED MY REPORT
Product: Credit reporting or other personal consumer reports

The following accounts were a result of identity theft. I have reached out to XXXX and they agree and I am not responsible for the accounts listed below. I have attached proof. 

Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX  Balance {$3200.00} Last Payment Amount {$0.00} Original Amount {$3200.00} Past Due {$3200.00} Account Number XXXX Name XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX Balance {$510.00} Last Payment Amount {$0.00} Original Amount {$510.00} Past Due {$510.00}
Product: Debt collection

This is a rental collection for a lease on an apt i had with my husband we were both lease holders, the collection agency was initially reporting the full judgement amount of {$3900.00} + some {$400.00} in interest ( not mentioned in court ruling ) as an individual responsibility which is outright incorrect. 

I started a negotiation with them and they told me that my part of the {$4300.00} was {$1900.00} ( they took off the bogus interest and my husband 's responsibility amount ) so i negotiated that amount down to {$1500.00} with the condition that the account be reported to credit bureaus as deleted and even received a letter from them in writing acknowledging that. 

I did my part and paid the amount in XXXX and contacted them to confirm, and they confirmed to me that the account will be deleted on XXXX. At the end of XXXX i received a letter from them saying that my part of the account is paid in full and that it will be reported with the appropriate paid status, so i called them again to confirm that it 'll be reported as 'deleted ' and not just 'paid ' and they confirmed that to me again. 

Now due to the fact that no building will approve a leasing application with a rental collection on my file, i had to rent a sublet where i live an work in XXXX which is extremely expensive now during tourism season but i had no choice and I am currently approaching the end of that short term lease and with the thought that the item was reported deleted i submitted a rental application that is currently pending that i 'm sure to lose, because not only did they not report it as deleted, or even paid, it is still being reported as unpaid with the full amount again minus what i paid them. 

I have called them over 5 times and each person i spoke with confirmed to me that they reported it to XXXX and XXXX as deleted and they even claimed that after that only the credit reporting agency can delete an account, so i contacted XXXX and managed to get to a helpful person that confirmed % 100 to me that the account was never reported deleted or paid AT ALL, and the collection agency is being unresponsive and today i ca n't reach anyone there.
Product: Mortgage

Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

In XXXX. I became a victim of identity theft. I am now XXXX years old, XXXX XXXX college and to my knowledge, never have I ever had in apartment in my name. This has caused me a grave inconvenience because its hindering me from getting out on my own. This company is saying I owe them over {$6000.00} which I find ludicrous. I contacted them after I got denied from applying for an apartment. Again. I have never lived on my own. I reached out XX/XX/XXXX to let them know that I have been a victim of fraud. They were very rude and didnt want to hear it. This whole ordeal has caused me XXXX, Ive been crying tears sea deep because I cant get approved anywhere and its not even my fault. Me being a XXXX XXXX I should be celebrating but my joy has been stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )