23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is  XXXX  live en    XXXX   XXXX    PR, Morgage complaint to  Banco Popular  PR and Loss Mitigation and the lawyer for  Banco Popular  PR send all documents in  XXXX  and    XXXX   XXXX     aprov  modification and the lawyer he said no send me documents for pay trial period because pay your fee {$18000.00} and montly pay more expensive fee, I explain my situation loss mitigation and retruture to {$1300.00} fee lawyer, the issue is in   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  De  XXXX  explain a complaint and solution two parts and the bank fair resolucion for complete trial period and modification aprov for FHA HUD, Bank  of Popular  PR Dual Tracking process in same time, aprov modification loss mitigation and Fourclures in  XXXX    XXXX   XXXX  , my phone  XXXX  in  XXXX  call me
Product: Payday loan, title loan, or personal loan

Im upside down by XXXX  % I have tried to trade down and to no avail .Numerous times I have tried to contact the dealer but didn't respond.Recently I contacted XXXX XXXX and their response was cold and rude as if I didn't exist.They wanted my address to pick the car up only to extent with a late fee the payment .I explained my income is at halt due to the health crisis and it effects me most because Im in the XXXX field and limited if at all my income is not as reported now it is limited to fixed and i will not make it at this rate. At the inception of the loan the income report the dealer gave is not correct it was inflated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  XXXX # : XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$220.00} NXXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$410.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 


Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Student loan

Hello greetings to you dear representative, probably I applied to study in XXXX from the MPOWER Financing student loan hopefully I believe to accomplish my future through this wonderful experience that MPOWER Financing is trying to make it easier for me, but in return with a sad news that my student loan was not approved due to " Delinquent past or present credit obligations '' Rather I appeal to CFPB as reference in backing up my student loan to accomplish my journey studying in XXXX, so be it to resolve any company credit report, thank you so much. 
Sincerely.
Product: Credit reporting or other personal consumer reports

I sent letters on XXXX XXXX and XX/XX/ - the last didn't received the requested information. I have included a summary of the letter.Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account XXXXXXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided to completion of your investigation. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from inaccurate and unfair information in their credit reports. Under the FCRA, Consumers have the right to dispute inaccurate information on their credit reporting agency can not verify it.The FCRA also requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receiving them. If the credit reporting agency can not verify the accuracy of the disputed information, it must remove it from the consumer 's credit report.If a credit reporting agency refuses to remove inaccurate information from a consumer 's credit report, the consumer may sue the credit reporting agency for damages.
Product: Credit card or prepaid card

The Consumer Financial Protection Bureau unfairly closed my previous complaint against Capital One. The Consumer Financial Protection Bureau did not let me write back. Capital One case was XXXX. CFPB case was XXXX. Capital One Representative XXXX responded that Capital One does not offer email because of security. However, I have been sending secure message on my own bank when I log into my own online bank->not with Capital One. This is what I am complaining about. Capital One does not have the feature to log into my online account then send them a secure message. 

The second thing I would like to say is that XXXX was lying. She said Capital One does have chat when I log into my online account with Capital One. No, I have been looking to chat with their employee when I log into my Capital One online but they do not have that option. 

The third thing is that XXXX responded back and tell me to call their customer service 24 hours, 7 days per week. I have been trying to call them but their wait time is over an hour and I had to hang up each time.
Product: Bank account or service

trying to withdrawal money from TD Bank , NA only to find out they are saying theydo not have signatures on file for our company ( owner of the account ). i sent backletters telling TD not to close the account but they closed anyway. They do haverecord of receiving those letters. They are saying they XXXX the money to PA. 
PA has no record of that money. Just want to get our money out of TD Bank andinto our other accounts at another bank.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a Mortgage Refinance with 5/3rd Bank. I gave authorization to pull a credit inquiry on XXXX XXXX XXXX and because of the banks slow process they required another Credit inquiry I authorized on XXXX XXXX XXXX. For some reason they continued to pull 2 more Unauthorized Credit checks on XXXX XXXX XXXX and again on XX/XX/XXXX. I've asked them to take steps to remove these unauthorized Credit inquires but the bank seems to be mismanaged and lacks knowledge on where to being the process of correcting their actions. I would like CFPB to assist in Removing these Hard Inquires. 

Inquiry details : 1. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX 2. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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, BANK OF 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  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 XXXX 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

I applied for the Hardship Program that USAA apparently offers, and was declined. They stated that our DTI was to high to be approved. We are currently paying {$450.00} a month with an interest rate of 10.1 % and have always remained current with our loan. We are struggling however making our minimum payments on everything and have no money at the end of the payments to buy food for our family. I assumed and the way the rest of creditors work is that a hardship is for people who are having a hard time making their payments. So would our DTI being to High indicate a hardship? Yet, the declined us to help with reducing our interest rate to lower the monthly payments they approved us for borrowing more money to add to our debt!! Makes no sense to me. Instead, we have to go through a Debt Credit Counseling Agency to get on a DMP to reduce our rate down to 3 %. Why is that USAA is willing to work with DMP plan not work directly with their customers? Terrible company and plan on never banking with them again. Very disappointed in how they treat XXXX XXXX military.
Product: Checking or savings account

Starting XX/XX/2023 to XX/XX/2023, I made a series of deposits totaling {$200000.00} from my XXXX business savings and my XXXX checking into a new Citi Accelerate Savings. I am also a Citi credit card holder and opened the account online through my portal The funds were properly transferred by XXXX. 
On or around XX/XX/XXXX, access to my Citi portal was shut down. After approximately 15 phone calls and dozens of transfers, I was told my savings account was shut down due to violations of their terms and conditions. The agent stated I or my wife could ask XXXX to recall the funds. 
The next day we asked XXXX to recall the funds. The funds were not able to be recalled as Citi notified XXXX no funds available. Citi would not tell me why my account was closed nor when my funds would be returned. I also asked for a statement, since I had no online access to this savings account, nor had received anything from them in mail. As of today XXXX XXXX, I still have not received the mailed statement of account nor any correspondence from Citi about my {$200000.00}. I made an inquiry with their executive response team almost 2 weeks ago, but have not heard back. Citi won't return my money, which is essential to my business nor let XXXX recall it. 
I need my money back immediately, it's legitimately mine, transferred from an Arizona XXXX branch to Citi. I need assistance in locating and having my money returned asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

DiTech is reported late months eventhough we went through a Chapter XXXX bankruptcy. They have not removed any of the items from the chapter XXXX.
Product: Debt collection

this is the copy of the voicemail left for me : This is the offices of XXXX calling with the litigations Department. I 'm serving legal notification and which are being implemented as a sole defendant regarding a case in our office. As a result of your non-compliance. We are conducting an in-depth investigation into your case as well as finances at this point it is the plaintiff intention-to and prosecute a protractor through the courts in full compensation along with punitive damages awarded by state statute. At this point I 'm legally notifying you a citation or has been filed as well as motion has been issued to execute the summons. Now prior to the attorney signing off on the documentation. I would like to speak with you. Reviewing the case affidavit information. I do believe this matter can be rectified on a voluntary basis out of court. However due to the severity of the violations. It is imperative that I speak with you. Litigations department phone number is XXXX or you can hit one to speak with the next available associate. Thank you. Bye.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using TransUnion 's website and by mailing in a written request but have not received a response.
Product: Mortgage

XX/XX/2024 Shellpoint Mortgage Servicing sent a letter again stating they havent received proof of insurance, which my insurance agent sent, plus Foremost sent as well. They are now telling me they will force place insurance on my home. 

This is the 3rd or 4th issue Ive experienced with shellpoint in the last year. Everything is a fight and its exhausting. They wouldnt cancel my escrow account even though I had 25 % down. Before that they wouldnt re-analyze the escrow account when I changed insurances. 

Now they cant even process an insurance declarations page!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.
Product: Mortgage

Property damage due to snow load in XXXX 2015. Insurer sent check payable to us as homeowners and mortgagee of record, Wells Fargo Bank. Check was executed and forwarded to Fargo whom received same on XXXX/XXXX/15. Prior to this, all required documentation forwarded to and received by Wells Fargo. We requested to be named XXXX on the property repairs and were initially allowed by Fargo XXXX see paperwork ) and informed on XXXX/XXXX/15 that a check would be issued and requested overnight. On XXXX/XXXX/15, I was informed that a check was not issued as I must have been given " incorrect information '' that we would not be able to be the XXXX on the project and unless they ( Fargo XXXX received a new set of documentation, no check would be considered. Also, the initial check would not exceed {$10000.00} XXXX which is less than 25 % ) and even though I had previous access to their website XXXX XXXX XXXX, I was not granted any further access due to being in a " modification '' status and all communication would needed to done over the phone or that they ( Fargo XXXX would contact me. If a check were to be issued, initial repairs and monies would be need to be provided by me as the homeowner and any monies due to my independent adjuster would need to come out of my own pocket without reimbursement
Product: Mortgage

Almost daily contact with mortgage representatives at Rocket Mortgage, a XXXX XXXX, XXXX XXXX, most recently XXXX XXXX, a XXXX XXXX, XXXX XXXX, and a XXXX XXXX. Ongoing process to attempt to close on my mortgage and empty promises on their end to follow through. Phone calls and e-mails are not returned or bizarre excuses such as not having the correct contact information for my HOA are given. I gave the information several times, however, the controller for the property management company for my HOA stated he never received any contact. They knew the information full well but were feigning ignorance. Finally, yesterday, XX/XX/20, I asked my controller to contact Rocket mortgage. He did, so they no longer had that excuse to hide behind for several weeks. However, this time, XXXX went out on emergency, but I was not to worry they have me covered, whatever that means, which I interpret as another excuse to drag this on interminably. This application has gone on nearly 4 months and is unacceptable. Always one excuse after another.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : XXXX XXXX XX/XX/XXXX ; XXXX : Not Reported ; Equifax XXXX Not Reported Date of Last Activity : XXXX XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX Not Reported Date Reported : XXXX XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; XXXX : Not Reported ; Equifax XXXX Not Reported Account Rating : Closed ( XXXX, XXXX ), Paid ( Equifax XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( XXXX, XXXX ), Open ( Equifax XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Paid ( XXXX and Equifax XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by XXXX XXXX XXXX, and Equifax XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : XXXX, XXXX, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the corrections.

Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.
Product: Credit card or prepaid card

Since XX/XX/XXXX USAA has insisted USAA fraud credits applied to the balance. ALL USAA CREDITS ARE INTERNAL. USAA refuses to, as my math teacher would say, ( ** SHOW YOUR WORK ) With fraud credts hidden from me and Not listed on my statementt. THIS IS UNACCEPTABLE. SHOW YOUR WORK. I DO NOT BELIEVE USAA all credits applied because my statements ( SHOW THERE ARE NO USAA CREDITS from XX/XX/XXXX thru XX/XX/XXXX LISTED UNDER TOTAL PAYMENTS AND CREDITS for this period XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX. ) I HAVE A RIGHT TO FINANCIAL DISCLOSURE OF THESE FRAUD CREDITS THAT ALLEGEDLY APPLIED TO MY BALANCE. USAA REVERSED OVER {$1.00}, XXXX AND HAS NEVER ** SHOWED THEIR MATH WORK PROOF OF USAA PERMANET CREDITS. THEY DO NOT LIST ON MONTHLY STATEMENTS. THEY ARE HIDDEN FROM CONSUMER. Two years, two years and USAA still will not show their fraud credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX  XXXX.
Product: Debt collection

Mountain States Adjustment appears on my credit reports for a amount of {$140.00} owed to XXXX XXXX XXXX XXXX XXXX as a result of excessive fees on a ATM withdrawal of {$20.00}. 
I paid the amount to XXXX XXXX XXXX XXXX and do not wish to pay this amount again to this third collection agency.