23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied with PACE to finance my air conditioning/ heating system for my condo since my heater was deemed inoperable by XXXX XXXX XXXX and XXXX . PACE was recommended by my Contractor at XXXX. After applying PACE asked for various documents including loan documents for my second mortgage and also lien statements from my lender showing that the previous second had been paid off through refinancing. I had a previous loan through a similar home improvement lender for my windows which I had already paid off. My credit score was XXXX with XXXX- Good and PACE required 2 months of bank statements which equaled verifiable deposits of {$10000.00} each month. 
PACE requested more documentation focusing on my XXXX XXXX Mortgage. I was affected by COVID-19 and lost my position with XXXX which was XXXX XXXX XXXX. I called XXXX XXXX immediately after losing my job in XXXX and I was stuck at home with my kids since the school closed. I was offered a 3 month deferral on payments since I lost my job. I never spoke to an agent and was offered this option immediately when I signed on to my mortgage account online. The verbiage stated the deferred payments were due at the end of 3 months or could be added to the end of the loan. I took the option and planned on resume my loa. payments in XX/XX/2020. PACE informed me that since my loan was in a Foreberrance/Foreclosure status PACE was unable to offer any financing. I called XXXX XXXX XXXX  immediately and tried to discuss with them any options to have this damaging items removed off of my credit. XXXX XXXX assured me that I was protected under the " Cares Act '' and the credit bureaus were not reporting negatively against my credit or credit score. They assured me that I was protected against adverse action or discriminaction against creditors. I explained that PACE wanted documentation showing my deferment agreement but they reassured me that I was protected under the " Cares Act '' and it shouldn't be a problem. PACE refused to offer me credit based on my position at XXXX being terminated and I qualified under the " Cares Act ' for a deferment of a few mortgage payments. The mortgage had consecutive payments for 60months + prior to this deferral. Please investigate business practices and automatic denial of credit based on COVID 19 and protection of consumers under " Cares Act ''.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit card

There was a transaction posted on my credit card on XXXX for {$1800.00} from XXXX XXXX. I called Bank of America ( the bank which the credit card it from ) to report a fraud charge on my card. The representative from BofA asked if I am still in possession of the card. I responded, yes. The representative stated that there was no need to send a new card then and then escalated my case to the fraud department. 

Around XXXX, I noticed the charge reappeared on my credit card statement. I called the BofA again and asked what the problem was. The representative on the phone stated that they contacted the vendor and the vendor stated that I inserted the chip to complete the transaction and also verified the transaction via phone. I asked the representative how the transaction was verified, was it through logging in to the app, or was it by verifying through text. The representative did not give an answer to this question. I immediately changed the password on my BofA app because I felt that my account may have been compromised. I stated I did not verify this purchase or use my card for this transaction. 

I called again on XXXX because I noticed that the charge was still on my card statement. I called the fraud department number that I received through the automated help chat via the banking app. I spoke to a representative that told me that she would call me back. I was incredibly confused what she meant by that, and asked her. She stated that she would call me from a different number so that she could she my account. She did call me back from a different XXXX number, and then asked me to verify my account. I told her that I did not feel comfortable having her call me from a different number and then her asking me to verify my account. 

I hung up the phone, and called the number on the back of my credit card. After waiting, I was put in touch with someone again. I complained to her that my previous interaction was incredibly odd, and went against everything protocol I knew. I then asked her why I was never issued a new card, if the previous representative from XXXX claims that I used the chip to verify the transaction. She stated that she was also confused by the way this fraud investigation was being conducted. She also was confused by my previous interaction of being called back from a different number while on the phone with a representative already. She issued me a new card and said that she would escalate my fraud claim. 

The transaction still appears on my credit card, and I am getting no information on if it will ever be rectified.
Product: Mortgage

I have been trying to determine whether or not there is a valid lien on my property. I do not believe the mortgage company followed the rules required to notarize the closing documents electronically. My loan is in my name, but wife does not recall signing anything, yet there is a lien filed under her name as well. I have been told I must issue a subpoena to obtain the information, but in order to do so, I would be required to file suit. I would not file suit unless it turned out there was no valid lien and the company refused to remove the public filing and lien.
Product: Money transfer, virtual currency, or money service

I lost my wallet and phone in XXXX Florida on XX/XX/year>. That night {$4000.00} was spent on my credit cards and {$5600.00} was XXXX  out of my business account to brand new contacts that were added minutes before. I did not authorize any of these charges. I called chase bank when I returned back to XXXX Texas on XX/XX/year> to report my phone and wallet and these unauthorized transactions. Chase bank credited me for the unauthorized charges on my credit cards and denied my claim for the unauthorized XXXX charges with reasoning that my XXXX ID on my phone was used to sign in on the app and send the transfer. I did not authorize these transfers. As stated before I lost my phone and wallet, and these transactions were made after that. I can understand how they came to the conclusion, but in the end I was not the one who made these transactions nor did I authorize them. No one else has access to my account. It is not my duty to figure out how this happened, all I know is I did not authorize these transactions, therefore they are fraudulent. I have followed up with them and the refuse to do anything. I am a long time chase customer for over XXXX years, and have rarely ever reported any fraud. I am disappointed in their customer support, they don't seem to care at all. As well as being out {$5600.00} XXXX has ultimately told me they think im lying and to XXXX off. I guess that's what for being a loyal customer. Thanks chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX  that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of 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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, has 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 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.

Dear CFPB, I am writing to formally request your assistance in addressing a critical issue regarding inaccuracies in my credit report, which have severely impacted my ability to obtain new credit, achieve financial stability, and pursue the goal of purchasing a home for my family.

I have attempted to resolve these discrepancies with the credit reporting agencies, but the issue remains unresolved. I believe that these errors, which have been unjustly reported, are causing undue financial hardship. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that my credit report is corrected promptly.

Thank you for your attention to this matter. I look forward to your assistance in helping restore my financial standing and enabling me to achieve stability and homeownership for my family. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, pa, XXXX. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told I needed to send in full acct number or social security number because the account could not be found this is per complaint number XXXX. Social security card has been uploaded.
Product: Mortgage

SLS states change to update the information on the XXXX tax form 1098 was made at my request. See attached SLS_XXXX SLS CAN NOT locate this request. See attached XXXX XXXX XXXX SLS claims " the tax form was updated to reflect the correct ending principal balance. See Id.. Note : Both the original and " corrected '' forms show {$66000.00} as " beginning principal balance. '' Both forms show " amount paid '' as {$66000.00}. See attached XXXX XXXX XXXX  ( original ) and SLS_XXXX ( altered XXXX Form 1098 ). Please forward the servicing notes for XXXX and XX/XX/XXXX explaining how {$66000.00} minus {$66000.00} equals something other than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit D that Equifax is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, ( NESBITT ) ROBINSON, LASHONDA, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts : Accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The accounts above 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 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: Checking or savings account

I called on XX/XX/XXXX and tried to resolve {$5.00} mobile transaction fee that was crammed on to my on XX/XX/XXXX while I was making mobile deposit. The representative refused to refund the fee
Product: Student loan

These private loans should have been included in my XXXX Department of Education Borrowers Discharge. I have a full discharge for all loans with XXXX University and these loans are from there. The discharge should include all loans, including the private loans that were taken out with XXXX University. 

XXXX NaviRefi has {$73000.00} in loans that are being repaid by me and should be included in this discharge. There was over $ XXXX that should be included in my Borrower Discharge.

I requested XXXX  discharge my loans and refund me all payments that have been made. 

XX/XX/XXXX Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement Dear XXXX : You are receiving this letter because you are a member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. You submitted a Borrower Defense to Repayment discharge application relating to your federal student loan ( XXXX ) on or before XX/XX/XXXX, and you attended a school listed on Exhibit C ( " School '' ) of the settlement agreement. 

Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( XXXX ) taken out for your enrollment in the XXXX XXXX  ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ).

The benefits described in this message apply to your Relevant Federal Student Loan ( s ). The benefits do not apply to private loans. The discharge of your Relevant Federal Student Loan ( s ) means that you will no longer owe the debt. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX. Your loan servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. 

Other than confirming your address, you do not have to take any further action to receive your discharge. Your servicer will send you more details about the discharge, including which loans will be forgiven. Your Relevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete. 

If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX XXXX on XXXX or from XXXX XXXX on XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX Operating XXXX Federal Student Aid XXXX XXXX XXXX, XXXX, Washington, XXXX XXXX StudentAid.gov/borrower-defense
Product: Debt collection

Debt was paid by insurance company. I obtained preauthorization for all treatments before they were performed. The companies refused to acknowledge this or my dispute of the debt. Put it into collections and onto my credit report.
Product: Credit card

On XX/XX/year> I purchased a product from Lowes using my XXXX XXXX XXXX XXXX. Lowes offered a discount if I applied and used their card. I accepted the offer. Lowes inadvertently charged my XXXX XXXX XXXX AND their store card. XXXX XXXX invoice came to me before Lowes : synchrony bank and I paid XXXX XXXXXXXX. I explained to Lowes that I paid XXXX XXXXXXXX and they need to stop billing me. Synchrony continues to bill me to date with interest despite proof of payment via XXXX XXXX invoice. I have called them several times and they wont stop. Please help and advise. 
Please note : I dont have a printer and cant upload documents but I can furnish upon request
Product: Prepaid card

My coworkers bought me a {$200.00} VISA Vanilla gift card for my birthday. I tried to use it on XXXX, XXXX, at XXXX XXXX  store in person and at XXXX in person. The card wouldn't work at any of these places. I called the number on the back of the VISA Vanilla gift card and talked to a representative. He sent me an email outlining how to file a " dispute '' to resolve the problem with the card. On XX/XX/year>, I sent all of the information required to the email address provided as directed. This included a scan of the front and back of the gift card, the packaging it came in, the receipt and a picture of my driver 's license. On XX/XX/XXXX I received a vague email stating that my " dispute was denied ''. That response was confusing because I was expecting to hear an explanation as to what was wrong with the card- like maybe they were going to issue me a new card or maybe it had been hacked or something like that. At the bottom of the response, it said to contact VISA Vanilla gift card if I had further questions, which I did, so I sent a response and haven't heard back even though it's been 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.
Product: Credit reporting

I have an account XXXX Account # XXXX. Is reporting inaccurate information to Equifax. Its deleted with XXXX.