23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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: Mortgage

My complaint to the CFPB about SN Servicing Company requests an electronic copy of my pay-off letter so I can sell the house, without an actual pay-off letter I will not be able to sell the house. The letter SN Servicing Company sent me is not a pay off letter so I won't be able to sell the house and be subjected to the financial suffering of not get the requested pay-off letter. I am frequently told that I am a very easy guy to deal with and I don't think that a mortgage servicer should deny a customer a letter that will be used so that all entitled parties are pay in full. 

I am asking for an electronic copy of the pay-off letter so I can pay the house off in full. 

How is this : could you please send me an electronic copy of the pay-off letter made out for XX/XX/21 so I can sell the house. I don't have any options because a pay-off letter is required to sell the house. If I don't receive the pay-off letter soon I will no longer have a buyer for the house and be subject to financial damage. All I want is the pay-off letter I am not interested in being pen pals and wasting your time I am trying to conduct official business and being denied a required document that should be available.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX I applied for a small personal loan {$2900.00}. I went through the pre-application and the hard inquiry. I provided online ID verification through their system. I tried to provide them access to my XXXX XXXX Bank information by logging in through their special login page. I ran into an issue wherein I was asked a cryptic question that is not one of my bank security questions. I was called by Avant the next morning and I filed an issue complaint with them about the bank login. I received three calls on the following 3 days. Each of these callers had no idea of my complaint. Finally I had to escalate it through a supervisor. I spoke to my bank to verify that this was not a question on my account. I missed a couple calls from Avant that were placed an odd times ; dinner and such. Then on the 7th day I received a email that my application had been cancelled. I called and spoke to a supervisor who quite rudely and shortly told me to reapply. When I said that I would still have the same issue she cut me off and said, " I already told you the only thing you can do is reapply. '' I ended the call. They had my intent to proceed and my complaint filed repeatedly and still they closed my application early and refused to revisit it. I can not reapply because the inquiry without the additional account has pushed down my score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Debt collection

Unknown Collections XX/XX/year> Fair Collections & Out Fair Credit Reporting Act 15 u.s.c & 1681 15 u.s.c & 1692 I am requesting the original agreements Collection with my authorize signiture too purchase my personal information is fraud
Product: Checking or savings account

I when to open account with bank Truist on XX/XX/XXXX and they told me my card would be mail on XXXX to XXXX business day the card got here I deposit my check on XX/XX/XXXX my check is from a XXXX  I work I try to activate my card but I cant do I call bank many time already and they say because I deposit my check it look like fraud so I call and told them my check from work they can call they told my check would be ready on XX/XX/XXXX so I wait for it didnt show so I call they told me it would be ready XX/XX/XXXX nothing so I call again so now they say the specialist need more time to clear my check, but my check is already clear and deposit in my account my check was {$1000.00} and I put {$100.00} more in cash to open my account I cant touch nothing from my money I call manager and so many time
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

On XX/XX/23 I spoke to XXXX. I requested for statements to be mailed to me with the itemization of charges, amount of the payment being applied to the principal balance and the amount being applied to interest. I was told that it could not be provided to me through mail or email. Nor is it available on their website. I have had a total of {$8100.00} taken out of my checking account they are not applying payments to the principal balance of the account. I still owe {$1300.00} and only borrowed {$2200.00}. To are in violation of XXXX XXXX, FDCPA. I requested a physical address to write a formal complaint and send certified mail. XXXX advised they were directed not to provide XXXX XXXXXXXX XXXX address only a XXXX XXXX another violation. I am requesting the balance be forgiven & payments reimbursed back to me to avoid me filing a law suit against them. I am requesting the physical address so I can prove it to an attorney that intend on retaining if my request are not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX notifying me that my information may have been compromised as a result of the XXXX data breach. The letter ended up in a pile of paperwork around the holidays that I wasn't able to catch up on until a week ago. I went to the website, XXXX, and after entering some information, it was confirmed that my information had been compromised. Upon further reading, the site notes that the free 1 year tri-bureau credit monitoring available through TrustedID Premier is no longer available. I find it unbelievable that a company that suffered a breach has the liberty to close this kind of a service to affected customers. I understand that I didn't take action by XX/XX/XXXX, but given it was only 2 weeks after the deadline, I expected, especially given the customer service concerns and repetitional damages, that Equifax would be nothing less than responsive to my request. Unfortunately, this was not the case. I was instead offered their Lock and Alert service, something new that they have in place and are offering as an alternative. The difference is however, that lock and alert only applies to XXXX inquiries, and requires my personal attention and transaction by transaction management, something that was not required of me prior to the breach. Lock and Alert does nothing to help me monitor activity through the other 2 bureaus. I spoke with 2 different individuals at Equifax ( a staff person and supervisor ), and both told me that the only free " answer '' to my problem is the new Lock and Alert, and that they can't allow me access to the Trusted ID Premier tri-bureau monitoring, even though it's also an Equifax Product over which they have control. I am very frustrated, as Lock and Alert is not an adequate replacement, and requires me to be further inconvenienced by their carelessness by having to work independently with each of the bureaus to put in place special monitoring or protections, and then to manage those protections. I don't even know yet the services or costs of the other bureau products, but I find it unacceptable and unbelievable that Equifax can close a tri-bureau credit monitoring offer to customers within even the first 6 mos following a breach, and in fact would expect they'd be obligated to sustain complimentary services much longer, saving customers from the additional hassle of having to take the matter into their own hands with each of the bureaus. What is worse, and something I find to be completely disgusting, is that instead of taking responsibility for the breach and ensuring customers are treated right, they have the opportunity to make money off of the incident by charging for the tri-bureau credit monitoring services they no longer offer for free. as a consumer, I am quite outraged and feel my consumer protection rights are violated by this practice.
Product: Debt collection

IC SYSTEMS inaccurately reported on my credit profile that I owe {$1400.00} On XX/XX/2021
Product: Mortgage

XXXX home loans has put an auction date of Monday, XXXX XXXX on my XXXX-year-old mother 's home that she has owned for 10 years at an 8 % interest rate. They have received numerous modification applications from us. A full modification application was sent in to them once again six times this month alone and again today. All complete loan modifications that were sent in ( XXXX pages ) were sent certified overnight mail with a tracking number by fax and also by email. A phone call to XXXX home loans was made directly before and after the packages were sent each and every time. It is illegal for the auction date to be in place still. We have tried buying it from her, modifications, etc. for a year now. We are now looking for a lawyer to help stop the sale file a restraining order. We have been treated very badly and unprofessionally by XXXX home loans. We had horrible communication with them there 's no reason for us to be denied a loan modification. We were told by a lawyer, XXXX loan officers, the HUD hope hotline, and even by employees at XXXX that we were sure to qualify after seeing all of the paperwork. One day a XXXX employee stated " 8 % is ridiculous. We will defiantly be able to help you '' We had an extreme increase in income over the last month and send in the paperwork again as instructed by a XXXX employee and the sale date still remains. The XXXX called us yesterday to speak to us about our story. Our mother is not well we need her near us so that we can care for her. Her mortgage was paid for almost 10 years religiously before our families recent hardships. My XXXX-year-old elderly mother deserves a fair interest rate for today 's market. 8 % is not that. We live with a XXXX XXXX war VET who even tried to buy the home so that she would not lose it. They said that this was fraud. Every time we call XXXX home loans we speak to a different person. There is no consistent point of interest person. In addition we also just found out that not only has my mother been paying her home owners insurance up-to-date and on time for the last 10 years but XXXX has also been charging her for that as well. Double charging and she now is to receive a " refund '' for that " mistake '' on their part. The XXXX contacted us yesterday to hear our story apparently she is not the only one being victimized and the New York XXXX is examining this private equity firm. My XXXX-year-old mother deserves a fair mortgage and a fair interest-rate in in her home and in the neighborhood that she has lived in for almost 20+ years now. She should not feel scared and bullied and be left homeless suddenly. Her last check that she sent to XXXX by her own choice to pay her mortgage as she could afford in good faith while going through the loan modification process was returned to her, uncashed so that XXXX could put an auction date on it. Who takes a XXXX year old Grandmothers house on XXXX who is asking for help and still willing to pay? XXXX Home loans. That 's who.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX did a credit check on my account. I did not nor have I reqjuested credit from any company. As a result of their inquiry, my credit score dropped from XXXX to XXXX. I have gone from low good to fair. I feel this is totally unfair to drop my score because they want to have another client. I get solicitations for credit cards almost every day of the week. I have received 2 refusal letters for credit from XXXX XXXX probably because of my lowered score. I intend to pay off the one collection that I have, and would like to know that my score has gone up. Thank you for your time and consideration of this request.
Product: Student loan

I applied for the XXXX XXXX XXXX XXXX ( XXXX ) with Fedloan Servicing. On XX/XX/XXXX and XX/XX/XXXX I uploaded my Government Employment Verification forms. Fedloan took a look at these documents on XX/XX/XXXX. Since the Department of Defense, XXXX of my former employers does not verify employment. I uploaded my XXXX and XXXX XXXX on XX/XX/XXXX. Fedloan Servicing asserts that XXXX of my payments are eligible payments towards loan forgiveness, BUT I do not have any Government work history verification. I have made multiple telephone calls to Fedloan Servicing and I am on hold for about XXXX minutes on the average. At last, in late XX/XX/XXXX, I finally got a person who told me that Fedloan Servicing has a backlog and he has no idea when they will get to my documents to verify the authenticity of my Government work history verification. I feel I am being stonewalled by Fedloan Servicing.
Product: Mortgage

I received two monthly mortgage statements in XXXX, the second statement showed unusually activity on the account along with an increase in the account outstanding balance. The unusually activity shown on the statement is listed as " curtailment reversal '' and " funds reversal ''. I contacted the bank by phone and spoke to an agent. After 30 minutes of discussion and the agent placing me on hold each time I asked a question, I was told that my outstanding balance had not increased and a letter would be sent out to explain the unusually account activity transactions. I waited a week and no letter. So I called again and spoke with a different agent. The agent reviewed the account and previous notes from my previous call-in. After 30+ minutes with this agent, he indicated that a letter again would be sent to explain the unusually listed transactions and the account balance issue. Again I waited a week and no letter. So I called again. I spoke with another different agent and explained the issue. This agent would put me on hold after each question and come back with a short statement and then on hold again. This conversation went on for 30+ minutes. Finally, the agent stated the account outstanding balance had not increased during the time between the two statements and said a letter had been sent out to explain this. I stated to the agent I had not received any letter and that I was not in agreement on her explanation regarding the outstanding balance. She hung up on me.
Product: Credit reporting or other personal consumer reports

This afternoon, I found unauthorized inquiries on my credit report and cant understand how they appeared. When I reviewed my report like I always do, these discrepancies suddenly showed up. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am incredibly frustrated by this and request a thorough review of the documents Ive submitted to resolve this issue immediately so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

1. ) XXXX XXXX - XXXX # XXXX 2. ) XXXX XXXX XXXX XXXX- XXXX # XXXX 3. ) XXXX XXXX XXXX XXXX # XXXX 4. ) XXXX XXXX XXXX XXXX- XXXX # XXXX 5. ) XXXX XXXX XXXX- XXXX # XXXX
Product: Debt collection

Portfolio recovery is attempting to collect a credit card debt from a card that I used to have. The company is very aggressive with calling tactics. I have asked them before not to contact me by phone. For the last year I have received numerous phone calls throughout each day except for weekends. The phone numbers come up as an Iowa phone number but it is not always the same number. I do not believe that they are a scammer at all as they have contacted me via the mail. I've tried disputing the collection through credit karma two different times. Both times unsuccessful as the debt is valid. However I have not signed any contracts with portfolio recovery nor have I agreed to pay anything to them. That is because they are not my original creditor and I feel that I owe them nothing. I only owe XXXX XXXX as I had a contract with them.
Product: Mortgage

I have made numerous extra payments to Ocwen Loan servicing for my mortage. According to the online payment information, Ocwen holds payments in suspense and credits whatever amount it chooses to principal, but each month send me a letter that I am past due. They should be put out of business, but I would settle for my account being corrected. They do not return emails and if they call they do not speak English..
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw an inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my credit score and causing unnecessary stress.
Product: Debt collection

EOS CCA ( XXXX ) I have a a unverified account from. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt XXXX purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Money transfer, virtual currency, or money service

I opened an trading account with Binance.us in XX/XX/2021 and began trading, withdrawing, depositing my USD. I also verified my identity at that time as required. Binance.us requested documentation for Advanced identification in XXXX which I provided in XXXX. Until, XX/XX/2021, my account was suddenly frozen without notification. I am unable to trade, deposit or withdraw my USD assets. I opened multiple support tickets and until XX/XX/2021 I received a response from the " support '' team. This is what the support stated, " XXXX ( Binance.US ) XX/XX/2021, XXXX PDT - Support Ticket XXXX XXXX XXXX has been updated. 

Thank you for getting back to us! To clarify, this is related to the USD asset class, as users must now be USD verified ( which is now a one-click agreement ) to trade with it. I.e., if you possessed a USD balance at the time of this update due to trading assets to USD, but were not yet USD verified, you would not be able to use this balance. We are currently working to resolve this issue, and greatly appreciate your patience. 


Thank you, Customer Support Binance.US '' Meanwhile, my monies in the amount of over {$1600.00} is stuck on their exchange and I am unable to withdraw that money. I have demanded access to that money without response. I am demanding immediate access to my money.