23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The FTC alleged that security failures by XXXX XXXX XXXXXXXX resulted in at least XXXX separate data breaches, affecting hundreds of millions of consumers. The breaches exposed passport information, payment card numbers, loyalty numbers, dates of birth, email addresses, and other personal information
Product: Checking or savings account

XXXX- i have a chime account numbers checking/savings XXXX and tried to link my XXXX XXXX accounts with username XXXX for transfers through XXXX i succeeded but the external account dont appear. they said it was a XXXX  error and to wait an hour. its still like this. by law. XXXX  do this now. signed XXXX of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.
Product: Credit card

My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no.
Product: Mortgage

On XX/XX/year>, we had to hire XXXX XXXX to force Fay Servicing to execute a loan modification to lower our 7 % mortgage interest rate. 

Our mortgage had been with XXXX XXXX XXXXXXXX XXXX who initiated the loan modification to reduce the interest rate vs refinancing. They then put us into forbearance during Covid-19, they assured us they would continue the loan modification when the forbearance expired, lowering the interest rate yielding a lower monthly payment. They sold our mortgage to Fay Servicing before the forbearance expired, assuring us that Fay Servicing would continue the loan modification, lowering the interest and monthly payment. They assured us we were in good standing and no payments are required until the loan modification was put into place, and that all missed payments would be tacked onto the end of the mortgage. Payments would then resume at the new " lower '' rate. 

Fay Servicing requested information for the loan modification along with an application, we provided all the information requested. Weeks later, they requested additional information, then again, more information. We were assured we were in good standing and more information was needed to complete the loan modification. 

We then recieved a denial letter and the court papers for the foreclosure lawsuit in XXXX XXXX XXXX. 

XXXX XXXX had us sign over authorization so they could act in our behalf, that led to a new applicatioin and supporting documents. As time passed, we had offers to rent to buy the house, along with other purchase offers. 

Fay Servicing finally provided us the loan modification as we had a buyer sign the purchase agreement. Fay Servicing raised the interest rate to 7.75 %, and offered a trial payment period with monthly payments of {$1400.00}. If we did not accept this offer, they would proceed with the foreclosure to steal our house. 

On XX/XX/year>, the purchase agreement had been signed and money was in escrow with the title company. I spoke with our Fay Servicing account manager, XXXX XXXX. He took the contact information for XXXX XXXX of XXXX XXXX XXXX XXXX, he was to provide her the mortgage payoff amount as she was now acknowledged and approved as an authorized agent. 

On XX/XX/year>, I spoke with XXXX XXXX of XXXX XXXX XXXX, she was never given the payoff amount, when she called XXXX XXXX XXXX Fay Servicing, he refused to give her the payoff amount, telling her she was not an authorized agent. 

On XX/XX/year>, I contacted ( emailed ) XXXX XXXX, XXXX XXXX, and XXXX XXXX of the Ohio Attorney General. XXXX XXXX had to contact Fay Servicing and opposing council as they tried to push the foreclosure lawsuit in court, siting that I refused to accept their 7.75 % interest rate loan modification. 

Fay Servicing then provided us the payoff amount and Judge XXXX XXXX dismissed the case as XXXX XXXX  again filed a motion to proceed with the foreclosure, motion was denied as MOOT, case dismissed without prejudice, final court costs assessed to XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to deletXXXX Inq : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have repeatedly disputed for removal of 2 civil child support case 's from XXXX  off my credit profile and experian refuses to removal. 
date : XXXX XXXX XXXX amounts XXXX and XXXX I sent in updated court document from clerks office of payment history the bureaus ignored it
Product: Credit reporting or other personal consumer reports

The inquiries from your company on my credit report were not authorized by me, and theyve been causing harm to my financial situation
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX-Debt XXXX Final Rule. 

ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX XXXX XXXX XXXX  which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action.

Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.
Product: Checking or savings account

My issues is with the Zelle app tied to my cause bank account. Its supposed to be sending repeating payments to certain people and sometimes like last month it sent it to the person early and my account went into negatives because I wanted to it to send on the date XX/XX/year> I selected because I knew I was getting paid that day. Also on XX/XX/year> Zelle sent money to another person that I didnt authorize and they said they couldnt do much about it because once the money is sent its no way to reroute it which is very concerning and frustrating for us users. These two incidents are the few I have reported but there some more times where zelle sent money that I couldnt get back and I was left stuck with the loss because they said nothing could be done on there end, which is so disappointing for me and other users. I think someone needs to change how they have Zelle to prevent fraud and scam.
Product: Mortgage

I have held a mortgage with NewRez LLC for 5 years and have never been late on a single payment. NewRez purchased the loan from the bank that originated the mortgage. 

I initiated a mortgage refinance with NewRez LLC on XX/XX/21. I completed the application process and uploaded all the required documents to the loan originator by XX/XX/21. The refinance has not progressed as one would expect. After 3 months without responses the loan processor has resubmitted the refinance to underwriting. The underwriters seem to be stalling the refinance by asking for irrelevant documents, as well as documents previously confirmed as received. I am unable to get responses from the loan processor or originator to my inquiries. 

The biggest issue here is that NewRez LLC already holds the current mortgage for the property I am attempting to refinance. I am not borrowing any additional principal ; I am simply refinancing to take advantage of the lower mortgage rates. The difference in interest rates between the current and new mortgage is costing me {$300.00} per month which NewRez LLC is stalling to continue to collect from me. 

It has become clear that Newrez is simply utilizing irrelevant and redundant document requests to delay and discourage me from refinancing this loan. 

I have a high credit score, have not had any lapse, or change in employment or income in the last 5 years, and I am only refinancing half of the market value of the property
Product: Credit card or prepaid card

I live in San Diego, but I was in XXXX on XX/XX/XXXX. I was charged for XXXX food on XX/XX/XXXX ( XXXX XXXX XXXX - {$24.00} ) in XXXX XXXX while I was in XXXX. 

The thing is I placed charges on the same credit card in XXXX on XX/XX/XXXX thus verifying I was indeed in XXXX ; I also have receipts of plane travel to/from XXXX as well as the hotel I stayed at in XXXX on this exact date. Essentially, it would be impossible for me to eat at a XXXX restaurant on XX/XX/XXXX in XXXX XXXX and also be in XXXX at the same time. 

Once I noticed the fraudulent charge upon my return from XXXX, I called Chase to dispute the charge and request a new credit card. I then received a notice from Chase on XX/XX/XXXX letting me know that I would indeed be charged for the XXXX food ( XXXX ) on XX/XX/XXXX even though it is literally impossible for me to be in two different cities at once. 

I am filing a complaint because I did not make this charge. Again, I have charges on the same credit card in XXXX alongside plane/hotel receipts. Im sure I could even request surveillance footage of me at the hotel if need be. I am requesting the {$24.00} that was credited to my account indeed remain on my account as this truly was a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. Receivables XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet XXXX is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.
Product: Mortgage

The home where I now live became mine when my mother and sister passed away and I completed the probate process for their Estate. I started working with a housing counselor and the mortgage company, XXXX XXXX, because the mortgage had gotten behind due to their death in XX/XX/XXXX and I have every intention of straightening out that problem and making mortgage payments once the mortgage company will accept payments from me again. I was approved for a Trial Payment Plan in XX/XX/XXXX and started making TPP payments XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I expected to receive a permanent loan modification after the completion of that 3 month trial, but instead I was told to make a 4th TPP, which I did in XX/XX/XXXX. XXXX  sent me an Assumption application packet, which I completed and returned. When I hadnt received the permanent modification offer by XX/XX/XXXX, I made another payment over the phone, but when I called to confirm it had been received, I was told by the representative that he had checked with his supervisor and that my payment had not been applied because the modification offer had been rejected. I was shocked. A few days later, I received notification that there had been some problem with the notarization of the Assumption application packet and XXXX  requested I complete a new one. I did that and returned it by overnight mail on XX/XX/XXXXand they rejected it again for a different reason. We went back and forth for weeks. Finally, I completed the assumption packet for the final time and sent it by regular mail ( because I had already spent so much money on overnight mail and notarizing ) onXX/XX/XXXX. XXXX received it on XX/XX/XXXX. I waited to hear about when I could send them the payments for the prior 2 months that they had not accepted when my housing counselor got an email from XXXX  attorney saying that the mortgage was being transferred to XXXX ( which was a mistake- it actually was transferring to Seterus ) on XX/XX/XXXX. I didnt get any prior notification of the transfer, and eventually received a Goodbye letter from XXXX. But nothing I had worked on for the previous 6 months mattered to Seterus! My file had already been closed and my assumption application cancelled since nothing was in place when the service transfer happened. Now Seterus is asking me to start over and reapply for loss mitigation. I am beyond frustrated. I never got a denial letter, and the reasons delivered by email from the lenders lawyers contradict each other. One email says that I was rejected because I had not made XX/XX/XXXXpayment- the FIFTH trial mod payment. One email says the problems with the assumption packet were why I was rejected.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS is trying to collect a debt that has previously been settled and WAS REMOVED from my credit report. They refuse to correct the error despite the fact that they are breaking the law.
Product: Student loan

I called to ask for a XXXX XXXX XXXX. I spoke with a representative at the listed phone number XXXX on XX/XX/24. She initially told me my loans werent eligible because the XXXX Institutes werent apart of eligible schools. So we ended the call and I checked the XXXX site and the XXXX XXXX is listed. So I called back and spoke with the same representative again to let her know the XXXX XXXX  are listed. She then agreed, checked my loans again and stated your campus location isnt listed. She said some campuses are eligible but not all and that it was only for-profit campuses. I told her I went to the XXXX XXXX XXXX XXXX, in which they are a for profit school that has also closed its doors due to misconduct. She then proceeded to say she did a quick XXXX search that says the XXXX campus was non profit. I told her I didnt agree. So she just repeated what she said previously. So not to go back and forth I politely said I didnt agree but ok. The call ended and I did more research. Im not sure what sites she pulled. However, I pulled the XXXX XXXX XXXX XXXX XXXX page that clearly states its a for profit school. As well as a few articles that state the same for profit school that closed its doors just last year. To include XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX and a few more. I have attached those articles for review. She refused to provide me with an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

AIDVANTAGE is reporting that I was 90 days late on 4 different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( e ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is in response to : XXXX The document I received does not show that this debt is mine. My name is on the TO envelope but there is no information on the statement itself that shows this is my debt ( no ssn or last 4 digits, etc ). Please provide documentation showing that this debt is owed, for example, the contract that was signed to accept the debt.
Product: Credit reporting or other personal consumer reports

I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Product: Vehicle loan or lease

I had a lease with Chrysler Capital. The payment was about {$1000.00} per month. I leased another vehicle and paid off the loan. It was overpaid by at least {$1000.00} on XX/XX/23. I had to make the last pymt to avoid being late. Chrysler Capital knows its paid off and has a policy to keep my money for 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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: Mortgage

I found myself in need of having to modify my loan. I have had the worst experience with US Bank and especially with XXXX XXXX my so-called relationship manager. Not only does she not know how to speak to a customer but her lack of knowledge was reprehensible. I tried multiple times to speak to her supervisor but with no success. I also attempted to change relationship managers and that was also not done. When we finally decided to accept the modification, we sent in the payment as well as an escrow amount that was owed only to have the escrow amount misapplied. After multiple calls it has not yet been corrected. XXXX department tells me XXXX thing and the other tells me something different. At the end of the day, it has been over 20 days that my payment was misapplied and has not been corrected. My payment is XXXX it should be and have been told I need to wait over 2 months for the error to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. I've contacted the creditors about these inquires and I was notified that they were in the process of being deleted.They have yet to be deleted. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from XXXX about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i was called before the credit was being accessed. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently disputed ( see attached letter ) with Receivable Management Services an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry.

Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. 

As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.