23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage loan had been with XXXX, however as you know they went our of business and our loan was transferred to XXXX/LoanCare. This transfer ocurred in XX/XX/XXXX as my memory recollects. I am a XXXX military Veteran and never expected for this to happen to us. On our original loan with XXXX XXXX, Az originator of the loan we did not include escrow as part of our terms as we put down 30 %. In XX/XX/XXXX when our loan transferred to LoanCare they started adding the property taxes to our monthly payment and we were not aware of this and we continued to give the regularly monthly payment of {$580.00} -- - causing us to be counted as late due to the incomplete amount of the now payment of {$640.00}. LoanCare increased our payment by {$52.00} for the monthly property taxes. In addition this now has been reported to the credit bureaus giving us a negative report and reporting us as being late. On XX/XX/XXXX we sent in an amount of {$1500.00} that we did not know what it was for, however Loancare told us we needed to send that in to keep our account current. Then on XX/XX/XXXX we were told we needed to send another {$1300.00} to cover 3 payments. I am not sure what all of this needed to happen but I would like to know where all this money has gone and for what? 
This is not fair. We have always understood that the terms of the loan can not change once the loan is closed. We need this to be fixed and corrected. Although, I do have to say, we have been giving the payment of {$640.00} which includes the property taxes. 
Thank you for your help on assisting us to get the issue corrected as far as the late reporting on our credit report.
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 XXXX XXXX XXXX. 


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 XXXX XXXX XXXX XXXX - XXXX XXXX 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: Credit reporting or other personal consumer reports

To Whom it may concern I am writing you regards to the inaccuracies that are being reported on my credit report which are in violations of my consumer rights.Also I was a victim of the Equifax Data breach. I am demanding that this information be corrected on my credit report.

15 U.S. Code 1681 i ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly disputing the wrong information requesting for the information to be DELETED IMMEDIATELY. I only have one home address and that should be the only one reporting on my credit report. 

My current home address and only address is and has always been as follows XXXX XXXX XXXX XXXX XXXX XXXX Addresses that dont belong to me and should not be reporting on my credit report is down below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There is multiple employers that are also being reported that should not be reporting on my credit profile. The employers that need to be deleted are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Thanks kindly XXXX XXXX XXXX
Product: Bank account or service

I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it. 
I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me
Product: Student loan

I made two separate payments to Nelnet on XX/XX/2023 and XX/XX/2023, before student loan payments resumed, intending to pay off all of my outstanding interest so that it would not capitalize. Any excess should then have been allocated to my highest interest loans. That, however, did not occur. For some unknown reason, Nelnet did not apply my payments to my outstanding interest, so that interest capitalized. I have called Nelnet twice, and was stuck on hold for numerous hours both times before being forced to hang up, trying to receive an explanation. Their call line directs you to their website, so I submitted a complaint on their website requesting an explanation and requesting that they remove the capitalized interest that never should have capitalized in the first place. They have given me the full run-around. The first response I received gave me a boiler plate explanation of why interest capitalizes. My reply that I understand how it occurred and demanding an answer to my actual question- WHY it occurred- has still not been answered. The response I received today was another boiler plate response, but this time, it - AMAZINGLY - merely said : " We understand that communicating over the phone may not be your preferred method for resolving your situation. However, it is often difficult to discuss more complicated matters using email communication, which is better suited for more generalized requests. If you would like further information about your account you can contact us at the number listed below. '' I have read hundreds of complaints from other borrowers who have been on hold for several hours without ever being able to talk to someone at Nelnet. The pre-recorded messages played over and over while I personally have been on hold twice for over an hour each time pushed me to consult and use their website. And YET, when I did, I received no helpful response and a direction to call their insanely understaffed phone line. This company is a joke, and I am tired of receiving the run-around at my own expense. I have had a few other issues with Nelnet, including continuing to receive multiple statements with multiple payment dates despite already being approved for a single due date for all loans, but the fact that my outstanding interest capitalized when it absolutely should not have is by far the most severe and the most egregious. This company is yanking me around because they are financially benefitting from allowing my interest to capitalize in the first place. It needs to be rectified immediately, and, as they are impossible to reach and deal with, I am escalating my complaint to the CFPB. You all need to step in and get Nelnet under control.
Product: Checking or savings account

Chase Bank without any warning or giving reason close d 5 of my acc ounts.
Product: Checking or savings account

My debit card was used to make unauthorized debit transactions while on vacation in XXXX XXXX. These occurred between XX/XX/XXXX XX/XX/XXXX. I immediately filed a fraud claim upon my return ( # XXXX ) The claims were denied with no explanation other than {$330.00}. They verified partialclaims and denied all others. The reason I could not see these transactions were occuring all this time was because on XX/XX/XXXX I deposited a starter check from my father that was flagged suspicious.Truist on that date suspended my access to online and suspended my debit card. My debit card was suspended until XX/XX/XXXX and my online access was finally restored on XX/XX/XXXX. I had no way to check what transactions were taking place at this time other than my own running history that I kept and could not go into a bank as I was in a foreign country of XXXX. I do not ever remember misplacing my card or losing possession of it. The only time was at restaurants that I ate it when they would take my card to process it. I was however stranded and slept in a park for two days over XXXX when truist shut my card down and I only had the single debit card to pay for my room until they turned it back on. Imagine my surprise when I received notice my claim was denied!! I did not authorize, make or receive anything of value for these transactions nor did I give permission for anyone to use this card. I do not know how Truist verified or investigated these claims in the span of two hours from when I spoke to the investigator as all these claims occurred in a foreign country. I am asking and requesting Truist to re-investigate these claims and issue me a credit while doing so in a timely manner. I did not authorize any of this and it has put me in a very bad situation as a XXXX XXXX on a fixed income.I can not pay my monthly bills without this money that was taken. Please help me if you can. Thank You
Product: Checking or savings account

On XX/XX/XXXX  I attempted to open an online CD with Citizen 's Access. I lost the online connection so I assumed the transaction did not go through. I repeated the process and was able to complete the transfer successfully. I did not realize that both transactions were processed and Citizens opened two CDs each in the amount of {$6000.00}. for a total of {$12000.00}. The money was transferred from my account at XXXX XXXX XXXX XXXXk and caused me to be overdrawn. On XX/XX/XXXX  when I checked my bank balance and realized that I was overdrawn, I called Citizens. They said that they would reverse the transfer and close one of the CDs, acknowledging that it was a mistake. At that time, they gave me a case # XXXX and told me that one CD would be cancelled without a penalty. I have called on three other occasions since then because they have yet to close the CD and transfer the money back to my account at XXXX XXXX XXXX XXXX. They informed me that my request was denied and that I would have to pay an early withdrawal penalty fee of {$72.00}. Meanwhile, I can not pay my bills because I'm overdrawn.
Product: Bank account or service

I have no relationship, financial or otherwise, with Kohl 's Department stores. Between XX/XX/XXXX and XX/XX/XXXX, Kohl 's made XXXX separate withdrawals done by EFTs through XXXX from my checking account at XXXX totaling {$1300.00}. This was caused, apparently, because of the transposition of XXXX numbers in the Kohl 's card holder 's checking account that is also with XXXX in XXXX XXXX. The transposition of the XXXX numbers by either Kohl 's or the card holder resulted in the funds being taken from my checking account, obviously without authorization from me. From my perspective, Kohl 's illegally withdrew these funds from my checking account at XXXX. Their failure to correct their error amounts to theft from me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the credit freeze on my credit file with my information. Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX I have attached the necessary documentation to verify my identity and residence. 
These include : A copy of my government-issued photo ID. 
A recent utility bill or bank statement as proof of address. 
I kindly request you to process this request at the earliest convenience and confirm once the freeze has been lifted. Should you require additional information or documentation to complete this request, please feel free to contact me using the information provided above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted to company to make them aware that I have been a victim of identity theft and since filed police reports regarding the matter. I have requested copies of the lease and the identification used when signing the lease and have received no response.
Product: Debt collection

This agency never sent me paperwork informing me that I can opt out of having these items reporting to my credit report. that is very misleading on their behalf. this has caused me tremendous amount of XXXX and has made my XXXX XXXX get high. I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint asking for assistance to formally request Credit Bureaus an investigation into the inaccurate information being reported on my credit report. After reviewing my credit report obtained, I have identified XXXX XXXX XXXX XXXXXXXX Balance : {$45000.00}, XXXX XXXX Balance : {$2500.00} that I believe to be incorrect and adversely impacting my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy of the information they report. In light of this, I kindly request that they initiate an investigation into the aforementioned account. Please verify the accuracy of the reported information with the creditor and correct any inaccuracies that are identified.
Product: Checking or savings account

Hello, on XX/XX/2022 at XXXX XXXX  I was stolen money from my account. This person did not have my card on them and used it at a XXXX in XXXX NJ. I have never been to this town in my life and they took XXXX dollars from my checking account. I filed a complaint with my bank Chime, and they denied my case. I went to the police to get a report since the almost same exact situation happen to me in XXXX of XXXX The same wawa and an amount of XXXX dollars was stolen from me, and again it was in a town in NJ i have never been to and I was refunded my money back from Chime. However this time and after countless emails and only so much information I can give them ( including my police report ) they still are denying me of my money and sending me the same automated email that the case has been closed and wont refund me my money. I don't know what to do, this is my money i worked hard for and my bank isn't protecting me or helping me get my money that was wrongfully stolen from me.
Product: Credit card

I had a refrigerator from XXXX XXXX delivered on XX/XX/2023, It's defective, three service calls have been made on it. I don't want the product. 
I'm being forced to keep the defective product. ( {$1800.00} ).
Product: Credit reporting or other personal consumer reports

I want to file a complaint against Transunion. They refuse to remove a late payment for XXXX  XXXX account that was a mistake that XXXX  XXXX admitted to. XXXX  XXXX had a glitch on their online payment system which would not allow me to make a payment for a. month. They agreed to remove the late payment and take off late payment fees but Transunion refuses to remove the late payment on my account. not XXXX but 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Excessive Credit inquiries on my account that I did not give permission for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter on XX/XX/2023 to update and delete the items that is INCORRECT and UNKNOWN to me. Ive already included this in my previous Complaint # & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

We have had this deplorable issue with PayPal since XX/XX/2020. 
Still no resolution. 

One of our cards got hacked in XXXX. Took 45 days to somewhat resolve, still not answer to inquiries. 
The replacement card could NOT get activated for days! 
The account has been blocked since XXXX It is impossible to get an answer as to WHY. 
My son could not add money to send the child support payment last month My son could not send his share of the phone bill payment My son had to walk about a mile to take a bus, I had to pay the full amount of the phone bill. My son can not order food, nor use XXXX or XXXX I am unable to receive payments from my clients, and risk that I end up with no shows. 
I needed the {$600.00} owed to me to pay for my car repairs. The transaction was DENIED for no reason, leaving me with no transportation and in a very demeaning, embarrassing situation. 
My health is suffering, so is my sons. 
Why am I and my son- who shares my account- being retaliated against? 
PayPal owes us a huge compensation for emotional distress, pain, and suffering, and then some! 
XXXX is highly responsible for this as well! 

Please read the full description on these list in the attached file.