23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Last year, I finished my unfinished basement. It cost approximately {$40000.00} for heated floors, wall to wall cabinets with granite counter tops, and drywall. In XX/XX/XXXX my basement flooded, causing about {$30000.00} worth of damage. My insurance comany, XXXX, wrote an insurance check for approximately {$23000.00}. XXXX wrote the check out to myself, my spouse, and Wells Fargo Bank. I tried to deposit the check on XX/XX/XXXX, at my local branch in XXXX. Wells Fargo told me that they could not release the funds for several days, and then they could only release XXXX of the funds. It has been almost 3 weeks, and they have not released any funds. I have already paid my contractor several thousand dollars to lay new heated floors and tile. That money is MY money, it does not belong to Wells Fargo. I pay the insurance premiums, and I paid for the initial remodel. Wells Fargo, even though they are the lien holder, does not have a right to hold that money. I need the money from my insurance company to pay my contractor, and they will not release the funds. I have a basement full of furniture in storage, and every day is costing me money. Wells Fargo should immediately release my funds, and should also pay for the delay in my project, including storage fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

Our daughter took out a new loan for University XXXX XXXX in XXXX - I called Sallie Mae and told them to add payments for that loan to our existing set of payments. They indicated they would do so. Today, at XXXX, I received a robo call from Sallie Mae. They did NOT leave a message. MY daughter then called me and said they had called her, and that the account was past due {$100.00} ( {$50.00} for XXXX and XXXX ). 
I tried to call them and got told wait time was excessive ( last time I called them, I waited on hold for over an hour ). 

I went online and fought thru numerous web site errors ( unable to make my name match my bank account name, several password resets to be able to even log in ) ) managed to make ( I hope ) a payment.
Product: Credit card

The charge was totally a scam since there was no way for us knowing that we exceeded the free 1 hour parking when we exit their parking garage. No pay machines, no gates and no helps from parking employees. Nothing except to get a big bill weeks later demanding money. I work in the area and I fear that they will tow my car away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX  and Trans Union collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on Trans Union, and XX/XX/2013 on XXXX. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with XXXX and Trans Union respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was recently stolen. I am attempting to freeze my credit to prevent further damage. On XX/XX/21, I was able to freeze my credit with two of the major credit reporting companies but not Experian. I attempted to freeze it online and failed due to a website error. I tried this multiple times. I attempted to call the customer service and it just redirected me to to the website. It is literally impossible to talk to a live person. I tried every number on their website. I attempted to email the help center listed on the website and my email was returned because it was not a valid email address. I currently have no way to contact Experian and no way to freeze my credit with them.
Product: Prepaid card

hi, someone made 3 purchases with this card on XXXX and XXXX at a grocery store in XXXX California. I live in XXXX California. clearly the card number was stolen. I submitted the information to the Vanilla gift card company and asked for dispute. however, they refuse to credit back those charges which totals around {$450.00}. I had a XXXX on XXXX in XXXX XXXX so there is no way I was down in XXXX California making purchases on XXXX and XXXX.
Product: Debt collection

Never received said ITEMs, This was several years ago as I reached out to XXXX, XXXX, USPS, XXXX, etc.
Product: Money transfer, virtual currency, or money service

I used PayPal to send the kids XXXX money and PayPal said she received it. 

Case ID XXXX Transaction num 5XXXX To XXXX XXXX from XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sold my house. During escrow my title company/abstract office failed to send pay off/wir e n   XXXX   XXXX     2017 to  my mortgage company in a timely manner ( 9 days past the closing d ate )   XXXX   XXXX , and now my mortgage company maked my credit as 30 day late on my mortgage payment.     I have emails from escrow company stating it was their fault due to their negligence and I sent this to my mortgage company on  X/XX/17   . Auto email sid  wait 5 business days. Its been 10 and I  clled today and was told Id receive a phone cLl today. I did not.     Meanwhile I have a 30 day late reported to the credit gods. I need a response and correction.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

XXXX. 
{$700.00} I called Wells Fargo to let them know of a charge I never authorized. They ended up working with me and giving me my amount then months later reversed my payment. Nobody at Wells Fargo is letting me know why my case was denied they keep hanging up the phone and not picking up. I need help.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please examine the documents? There are some inaccuracies in the listed accounts, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the AD ASTRA RECOVERY SERV ( Original creditor XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting XXXXXXXX XXXX  and XXXX XXXX XXXX  on my credit report. These accounts and balances do not belong to me, and this situation constitutes fraud and identity theft. 

I have repeatedly submitted letters and requests to have these accounts removed, yet no action has been taken after several months. I have attached letters from XXXX and XXXX, both of whom have confirmed that these accounts should be removed. It is imperative that this issue is resolved immediately.
Product: Mortgage

Mortgage company made mistake adding force placed insurance to my loan even when evidence was sent to them. They advised me they would remove the impound account they fraudulently added to my mortgage and have been giving me the run around with lies from everyone there. There was a XXXX  day lapse in coverage but my insurance company sent then the evidence showing I paid the {$XXXX}, representative said they would remove and correct they issue and is now telling me they aren't allowed to remove the impound for my insurance even though I pay my insurance seperately. They are now asking for more money and taking advantage of me without correcting their problem. I NEED THAT IMPOUND REMOVED FROM MY MORTGAGE PAYMENT!!! This has become the worst nigthmare.
Product: Mortgage

Well, I had an absolutely horrific time with this lender prior to this issue regarding the processing and closing of my loan. Finally had to get resolution by submitting a complaint to the XXXX XXXX XXXX 

I thought with my refinance in XXXX I was free of the errors and hassles around dealing with Cross Country Mortgage until it came time for taxes. I do not have a 1098 from them. It's XX/XX/XXXX and I need to do my taxes. I reached out last week after learning from XXXX, the servicer XXXX transferred my loan to, that XXXX can not provide me with a 1098 that reflects anything prior to the transfer. That's on XXXX. 

Basically they need to send me a 1098 ASAP so I can get my taxes done and be free of them once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Well, they already had refund me money and my acct I have never made a xoom or knew yall was connected I just get my funds and ready now to closed it down because I never authorized this account neither transaction with my funds And wat been sent is XXXX and I don't have no idea who the person it is but be nice if I get my funds back I was waiting for ever for that XX/XX/year> 2024
Product: Student loan

In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.
Product: Credit reporting or other personal consumer reports

had a car loan with mcmc and was turned in voluntary trying to get my late payments removed or account removed from my credit report
Product: Credit reporting or other personal consumer reports

15 USC 1681 I ( 5 ) Charge offs 15 USC 1601 Collections 15 USC 1692 c 15 USC 1681 ( 2 ) ( a ) ( i ) Income is a transaction and experience In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Unauthorized Inquiries * XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion The accounts below have violated my rights. 
15 U.S.C. 1681 section 602A. 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 an 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 anteates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( a ) 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 information is inaccurate.

Please remove all fraudulent accounts. Thank you very much!
Product: Debt or credit management

I looked up who to call dispute a collection on my credit. It popped up as a credited phone number and when I called and explained my problem she seemed very eager to help and explained my solutions. Customer service was impeccable. We proceeded to credit check where we payed {$1.00} for a credit check website. After we ran through what I could dispute we moved on to resolutions. We talked abou the process and then she speels out a whole list of prices for the process and why. Too quickly to understand. I asked her to slow down and repeat which she did. I am young and just starting out so all of this is very new to me and I was not yet aware disputes could be handled freely and privately. At first she said a total of XXXX place additional payment after 1 month of XXXX to continue the dispute. We went through payment and while her " billing department '' was running the card we went over a signed contract and portal process and verification. Once payment was completed she quickly made her goodbyes and hung up before I could ask any more questions. Right after it clicked I just got scammed and quickly went to stop the payment but it is already pending. I am going to try and dispute it but it's not always a guarantee.
Product: Credit reporting or other personal consumer reports

In according with the FAIR CREDIT REPORTING ACT. 
Account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE XXXX SENT TO ME A XXXX FORM, WHERE SHOWS A DEBT CAMCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.
Product: Consumer Loan

I was frauded by a man named XXXX XXXX who went to the XXXX. He was supposedly robbed and his daughter had a XXXX XXXX. I paid for the surgery for her. Then I had to take out XXXX loans because he passed a false check that cost me around {$2000.00}. So I consolidated my loans with a good company named XXXX. One company " Loan Me '' hassled me about payments even though they knew I was consolidating the loans. They called me at XXXX in the morning and left me several messages about XXXX times last Sunday. They threatened me with the Credit Bureau and laughed at me on the phone. They also said that I could n't get anywhere because I would have a negative on my Credit. As a senior citizen I was forced to pay {$300.00} with the late charges added to the {$290.00} and called me a XXXX. This company needs to be reprimanded for their practices.
Product: Mortgage

I had applied for a refinance with Discover Home Loans on XXXX XXXX, 2015. After 6 weeks and many hours on my part gathering the information that Discover needed, I was told that they could not go ahead with a mortgage because the Condo Complex that I live in was in the process of reparing some construction defects on the balconies and had a lawsuit in process with the developer over the defects. Discover told me that it was XXXX regulations that neccessitated the no mortgage discision. This did not make sense to me for XXXX reasons. XXXX if it is a black and white issue - lawsuit means no mortgage - this should have been discovered during the application process XX/XX/XXXX. Second the repairs cost around {$600000.00} which represents less that 1 % of the insured value of the property. In addition the HOA is doing the repairs regardless of the outcome of the lawsuit. I tried to escalate this issue with Discover but have been stonewalled. I also want to know exactly what XXXX says regarding their restrictions on lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I am needing help removing my bankruptsy from my XXXX and experian report. pls pls help due to me having XXXX.
Product: Checking or savings account

On XX/XX/2019 I filed a dispute with Citibank about a charge made on my account for {$130.00} for XXXX. they said they would send me a letter to fill out and to return it so they can issue me a provisional credit. I submitted the letter in XX/XX/XXXX and they have yet to issue me any credit towards my account. Every time I call they say they have to extend the timeframe which is clearly a violation of regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed that several accounts were opened fraudulently using my personal information. Please help to proceed to remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Mortgage

Hello, I am getting charged every month for windstorm or hail ( as other insurance ) of {$59.00}. After the inquiry I had with my insurance, they cover my windstorm or hail under my home insurance. I am attaching the agreement I have from my insurance, please refer to page 8 under windstorm or hail for additional details. I will appreciate if you may review this matter, and waive the other insurance amount under my monthly mortgage payments Loan Number : XXXX