23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Client was going through loss mitigation. XXXX sold the loan to SP Servicing in XX/XX/XXXX. We got approval to do a short sale. We priced the home exactly where the bank told us too. Within a short amount of time we received an offer - XX/XX/XXXX. It is now XX/XX/XXXX still no response. I called. approximately 3 weeks after offer submission. Was told documents were missing. Obtained documents, sent them in. Nothing. Called approximately two weeks after that. Was told documents were missing. I explained they were sent in the same day I last called. " Oh here they are - well we need a differenct correction/paper/etc. '' I even XXXX XXXX XXXX out for this bank. Told I couldn't do that and had to put it back on. That was wrong - it needed to be a different amount even though I asked specifically " What do you want me to put? '' Fine. Corrections done and all docs resubmitted. I have been dealing with them since XX/XX/XXXX approximately every two weeks. I talk to a different person each time. Some friendly and helpful some not - my client, the homeowner, also calls often. EVERY SINGLE TIME - always something needs changed or changed back. I called today after submitting yet another correction for the THIRD TIME that had already been done and submitted previously! I was told the short sale is now expired and we are no longer in short sale. My client is devastated. We have done EVERYTHING this bank has wanted. Every correction every extra piece of information and now this. Over six months of trying to get my elderly client underneath this home - only to get the runaround and no one that can actually help. I talked to CSR 's. I talked to supervisors. I have been nice. I have been hateful. No one seems to know whats going on or how to help. I have been in XXXX XXXX for over 15 years. I specialize in XXXX 's. I know how to read a contract. I know how to deal with banks. Never, ever have I had an experience like this. I want someone to help. I have a client needing to sell. I have a buyer that met bank requirements. Why can't we sell this property? Why is the bank doing this? My client can not afford a lawyer. I don't know what else to do.
Product: Debt collection

All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, Transunion and XXXX   on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Bank Of America several times via certified mail with return receipt and also registered mail. I have yet received a response back from them. I sent an affidavit over 30 days ago and no response. The account thats listed on my credit report is not mine. Ive asked them to remove the account from my report several times. Documents attached
Product: Checking or savings account

I do the vast majority of my bill paying online through my checking account with TD Bank. I can log into my account usually without much difficulty. But over the past year, I have had several occasions on which I was unable to get into the bill pay section. When I click the Bill Pay tab, I repeatedly get a message that says " Task Incomplete. Hmmm, something didn't work that time. You can go back and try again, because this was probably just a temporary glitch. You can also retrun to the home screen or send us a message. '' Except you CAN'T return to the home screen. If you hit the back button from the error message page, you get a confirm resubmission message that doesn't let you resubmit! And going back and trying again doesn't work. The same Task Incomplete message keeps coming back up. 
As I said, this has happened repeatedly. It happened several times last week, yesterday and again today. 
I have repeatedly tried reporting this issue to TD Bank. It has only gotten worse. I deal with several websites, including financial institutions and retailers with financial elements to their online presence. None of them seem to have the difficulty letting me control my transactions and my money that TD has. America 's most convenient bank? Hardly!
Product: Debt collection

I am concerned that I have XXXX-XXXX debt on my credit which is really hurting my score significantly. I once had a contract back in XXXX. I lived in XXXX Michigan in a group home called XXXX XXXX. I was sent to a new placement and lost phone privileges and that cause me to break my contract with XXXX-XXXX. It has been 12 years now since then and the dept keeps getting added to my credit as if it happened XXXX of XXXX. I was a young adolescent at the time and now i am almost XXXX and its still hurting my credit. I was informed that this dept will be off my credit after 7 years. And here i am today having a reaccuring negative remark on my credit as many dept collection agencies keep buying out my dept and refreshing when the dept was sent to collections. I would like to do anything in my control to dispute this dept as i am disagreeing with the date and amount the dept collection agency is stating it accured.
Product: Money transfer, virtual currency, or money service

XX/XX/year> money was taken from account. Was not me or a family member that did it my location and device said I was in XXXX I was not nor do I have an XXXXXXXX XXXX and I never will. 
It has happened several times since then but my account was in suspension so I couldn't even see it do anything with chime at that time when my account was reinstated there was no money. Not only that but my ssi was taken and I was given trace numbers to locate the checks and it says come bad the money.
Product: Student loan

PSLF form was submitted in XXXX of XXXX I called the loan servicer, Mohela, to follow up on why I was denied forgiveness. Representative told me there is no document on file, nor am I in the system for loan forgiveness. She instructed me to manually upload my application.

PSLF maually uploaded XX/XX/XXXX. Current status states, " duplicate form. '' I emailed XX/XX/XXXX, twice in XXXX, and called to gain more information on my status and an understanding of why I am being denied, despite meeting the criteria. 

Mohela is very difficult to get in contact with and representatives are ill informed on the forgiveness process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the XXXX in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX. XXXX, XXXX wont give me break down or signatures regarding these collections
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and non-compliant credit reporting on my file with Equifax. The report contains erroneous data regarding medical collections, and I am requesting that these items be validated, corrected, or removed per the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specific Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported with missing, incomplete, or inconsistent data across multiple credit bureaus. 
Missing telephone number, activity date, and past due amount across different bureaus. 
Inconsistent reporting of derogatory account status, account balance, and payment history. 

Issues Identified : Inconsistent Reporting : Data reported inconsistently across different credit bureaus, violating the 5th point of Metro 2 compliance. 
Unverified Data : Failure to provide a substantiated itemized statement for the medical collection account, violating FCRA and FDCPA requirements. 
Missing Data : Key data points such as the telephone number, activity date, and past due amount are missing, violating compliance standards. 

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXXXXXX XXXX XXXX 
2. A description of the procedure followed in investigating this dispute, including the documentation provided to the creditor for their investigation, as required by FCRA 611 ( a ) ( 7 ).

3. Provide evidence verifying the accuracy of the disputed items, including the procedure used to validate the alleged late payments. 

Impact : These inaccuracies have negatively affected my credit score, resulting in unjust denials of credit and higher interest rates. 

I request a response within 15 days, or I will pursue further action to resolve the dispute.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S
. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXX "
Product: Checking or savings account

On XX/XX/2019 I went to a shop to get my car repaired. I used my chase debit card to pay for the {$200.00} repairs. The mechanic did not repair my car buy did more damage to my car. 

I wanted to get replacement brake pads and the mechanic messed up my power steering rack and pinion making my car very dangerous to drive as my steering wheel rack and pinion was un steerable. 

I called chase bank on XX/XX/XXXX and filled a dispute claim. Chase granted me provisional credit of {$200.00}.

After 90 days chase back sent me a email stating that I owe the them {$200.00}.

Chase claims that I did make the transaction, Yes I did make the transaction for my car to be repaired correctly and not for my car to be Sabotaged.

Chase is in the wrong for not protecting me as a customer.

I do not owe chase and will not pay chase my {$200.00} of which was stolen from me by way of a untrustworthy crooked mechanic who was out to destroy my car.

Chase needs to be under severe investigation for not following the guidelines of customer financial protection.

Chase was against me as a customer in regards to my {$200.00}.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 


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

Capital One is showing late payments and I have tried to contact them to show them how this information is inaccurate and sending proof and they are still not cooperating. XX/XX/XXXX XXXX XXXX {$100.00} {$150.00} There's a bankruptcy being being reported in 2016 it is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX XXXX is in violation of the law. I find that XXXX XXXX is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX XXXX XXXXXXXX is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that XXXX XXXX validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
XXXX XXXX is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.
Product: Debt collection

To Whom It May Concern, I am writing to formally request the removal of adverse credit information from my credit report under 15 U.S.C. 1681c-3 of the Fair Credit Reporting Act ( FCRA ). I am a survivor of XXXX XXXX and the negative credit items listed below are directly related to my experience.
Product: Credit reporting or other personal consumer reports

As a XXXX I applied for a new VA mortgage with legitimate lending providers including XXXX XXXX XXXX and XXXX. Immediately following these institutions running my credit score I have been bombarded with predatory loan providers who clearly have all my information trying to sell me their mortgage. None leave messages and keep calling, I find it harassing and I believe it should be illegal for credit report agencies to violate my privacy by providing my information to lenders other than the institutions I authorized. If you ask me, the very agency that is supposed to protect my credit information, and protect my identity is the very source of potential identity fraud with these kinds of practices. When I contacted my financial institutions about what is happening I was told this is the practice of XXXX. After discovering these kinds of practices, I would never do business with XXXX, but that choice is stripped away from me with the current financial systems in the U.S. that force me to use a company that allows predatory lenders access to my information unless I first contact them or have a freeze placed on my account, but to get my mortgage I can't have a freeze. I have contacted XXXX about their practices and requested that they do not share my information with unsolicited lenders but this has not stopped the calls from the numerous agencies that they already contacted with my information. It should, in my opinion, be illegal for anyone, bank or otherwise, to be notified when I apply for a loan, or credit card, or anything, besides the companies I am directly working with. Anything else is a violation of my privacy and proves these credit monitoring companies are unethical and do not know the meaning of confidentiality. Additionally, they are encouraging and enabling predatory practices that are violating and hurting U.S. consumers. How will you protect my privacy? How will you protect me from these predatory agencies trying to take advantage of XXXX and citizens?
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST
Product: Debt collection

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.