23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. Santander Consumer never sent me a XXXX and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!
Product: Credit reporting or other personal consumer reports

Unauthorized user stole my existing cell phone number and was able to obtain a one-time passcode to change the existing password for existing Experian account. With that access, she removed the pre-existing credit-freeze, applied for and was granted a new credit card ( multiple purchases made ), and changed the password ( preventing me from correcting the problems ). I made XXXX phone calls to Experian within a XXXX window to try to talk to a human to correct the problem and reset my password : all phone numbers connect to the fraud department ( which had already been reported ) and all the agents told me they would have to transfer me to the " membership department '' to correct the password. All the transfers put me into an automatic system that only offered tasks that were not relevant. XXXX prompts like " emergency account access, '' " account takeover, '' etc. were useless. The automatic system stated it could not transfer me to a human unless certain circumstances were met ( undefined ) and hung up on me. All the agents told me the ONLY team that could help is the membership department but NONE of them could CONNECT ME to that department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. with no account number has violated my rights. 

15 U.S.C. 1681 section 602A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting angency can not furnish a account without my written instructions.
Product: Mortgage

As a married couple, in XXXX, XXXX XXXX XXXX and I purchased a house on XXXX XXXX XXXX, XXXX XXXX, NV XXXX. XXXX ; XXXX. When we got divorced in XXXX, I was ill-advised by a lawyer. I signed a " Quit Claim '' for the house and I moved out of the house, thinking that was the end of my obligation. Since then, XXXX got disabled and could not pay the mortgage. 
The house was on the brink of foreclosure. 
Despite the " Quit Claim, '' my name was still on the mortgage and thus I was responsible for the mortgage. I paid all the overdue mortgage at that time to avoid foreclosure, and XXXX requested " loan modification '' so that he could manage payments. Wells Fargo refused. In XXXX, Wells Fargo was about to foreclose the house again. In order to avoid foreclosure, I had to sell the house for {$120000.00}, way below market value, on XX/XX/XXXX. 
XXXX owed {$60000.00} for a back payment. However, with an absorbent late fee, I had to pay off {$74000.00}. 
Since then, XXXX passed away. 
Wells Fargo took advantage of poor people like us and mishandled mortgages. Due to their refusal of the mortgage modification, XXXX and I lost the house.
Product: Mortgage

I know you don't know me from a hole in the wall but I am in desperate need of some help after reading your article, I figured you may be able to help. 

I live in XXXX, MA and I have an FHA mortgage with Flagstar Bank. My husband and both lost work due to the pandemic and welcomed a baby boy in XXXX of 2020 who was in the NICU for several weeks. 

I filed the loss mitigation application and was approved. As of XX/XX/XXXX, we have been out of the forbearance plan and followed the instructions to put the lump sum at the end of the loan. We are both back working and can afford the monthly payment. I submitted a 4 month payment as a sign of good faith in XXXX ( {$20000.00} ) and paid XXXX 's mortgage which is {$4000.00} but I paid {$4200.00} to show I can pay more if needed. 

I was originally denied the first loss mitigation and appealed it with all my documents of my son 's birth, his hospital records, loss of income from myself and my husband and the documents showing we are both working, pay stubs, ect. 

As of today I called and was told the appeal had been denied and that the loan will go into foreclosure. They couldn't give me a timeframe but told me I had no other options unless I could come up with the past due amount of {$80000.00}. I am 7 months pregnant with a toddler and can not lose my home. I have nowhere to turn. The state of MA has a program called RAFT that I've applied for but is only XXXX. I don't know what to do. How can they do this? I'm sure there are many people in my situation and I don't know what to do. 

Please help.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX Agent XXXX XXXX XXXX XXXX XXXX To who it may concern, I want to dispute certain information on my credit report, as provided by your agency. I believe that the reported information is inaccurate, and I request that you investigate and correct this matter as soon as possible. The inaccurate information pertains to the following : [ XXXX XXXX XXXX XXXX ] I would like to bring your attention the accounts above have been filed and ACCEPTED by the Internal Revenue Service via 1099C Cancellation of debt. This is inaccurate reporting and needs to be removed immediately The following federal laws, which I believe may be relevant to my case : 15 USC 6802 ( Right to Financial Privacy Act ) : Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681b ( Fair Credit Reporting Act ) : Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relate 18 USC 1028A ( Aggravated Identity Theft ) : Aggravated identity theft ( a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I kindly request that you promptly investigate this matter and provide me with the results of your investigation. If you find that the information is inaccurate, please correct it in accordance with the law. Additionally, please provide me with a copy of the corrected credit report. Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal laws. Your cooperation in this regard is greatly appreciated
Product: Checking or savings account

On XX/XX/23 I called Synchrony bank in order to close my IRA CD with low interest rate, willing to accept early withdrawal penalty in order to open brand new Synchrony IRA CD with double the interest. I asked to move the balance from closed CD to this new CD. Representative advised me that it may take 5-7 business days. New IRA CD was opened right away that same day. Up to now Synchrony bank website lists it as Not Funded. 
I called back three times since then to get an update on closing old CD and transferring funds to the new CD. 
Representatives kept telling me that this is internal transfer and it should not take that long. They talked to their supervisor and assure me that they will expedite the closing and transferring process. 
As of XX/XX/23 it has been 20 business days and still nothing is complete. New CD practically lost one month of higher interest. I feel that I have absolutely no control over my retirement money. At this point I cant close my CD, I cant move my funds to a different financial institution even if I wanted too. It looks like Synchrony bank keeps my money hostage keeping them at low undesirable interest rate. Ive been their customer for longer than 10 years. I have done similar transactions at other banks, and the process was practically immediate. I cant find any explanation why this relatively simple process takes so long. 
I need outside help with resolving this issue, because I have exhausted my options. 
Thank you
Product: Vehicle loan or lease

on XX/XX/XXXX of this year I paid {$18000.00} down, and on XX/XX/XXXX another {$500.00}, on a XXXX  for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the engine blew up. i called the lender and they ended up backing out of the deal a week later, and made the car dealer buy back the truck and cancelled the loan. when i bought this truck from XXXX XXXX XXXX they had purchased a third party warranty for the engine and transmission. so i used XXXX XXXX side assistance and had it towed to the nearest XXXX XXXX  in order to activate the warranty and see if they are going to cover the repair. the repair facility couldnt look at the truck for several days because their diesel mechanic was attending XXXX  that week. during this time the lender cancelled the loan. I asked XXXX to give my money back but they said i cant have it back, because they think its my fault the trucks engine blew up. this truck had problems before I bought it. This truck is clearly a lemon. the XXXX dealership called me a few days ago and said that XXXX called them and is coming to repossess the truck because I do not own it anymore. the XXXX warranty company told the repair shop to breakdown the truck more to find out the cause for the engine failing. ( TXXXX XXXX XXXXp is very slow because they have work backed up because of their mechanic being gone ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Product: Debt collection

XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX Mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$530000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

I appreciate your immediate attention to this matter and look forward to its swift resolution. 






Sincerely, XXXX XXXX Without prejudice, all natural inalienable rights are reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Consumer Loan

I paid all of my credit cards off in XXXX. I missed the change on my loan with Springleaf and paid {$860.00} of the {$860.00} balance. In XXXX, I received a bill for {$14.00} which I assumed was residual interest and paid that in full immediately. I 've now received a XXXX statement for {$0.00} to which they only replied they " believe '' that will close out my balance. I believe I have been charged interest on the interest balance. I did n't experience 2 months of residual payments with any other credit cards I paid off on the same day. 

If somehow correct ( which I ca n't imagine having to pay {$0.00} on a {$0.00} balance ), they are a ) using a financial calculation unique to them and b ) not clear in their disclosure of this practice. 

The agent with whom I spoke offered to write the {$0.00} balance off as " settled for less than owed '' which I refused of course. 

Thank you
Product: Checking or savings account

PNC and BBVA bricked my bank account. They also misled and deceived me into thinking there would be no interruption of service when they knew there would be.

BBVA notified me via email on XX/XX/2021 that BBVA is merging with PNC, stating : " Its official, we can now share with you that BBVA USA is part of PNC. **There is nothing required from you. Continue to bank as you do. ** Over the next few months youll receive additional communications from PNC. '' ( ** indicates bolded original text. ) On Friday ( XX/XX/2021 ), when I tried to deposit several checks and transfer funds to and from the account, I found both the BBVA mobile app and their website to be in " view only '' mode. I have since been unable to use my account at all. They gave no warning ; in fact on the contrary, per the statement above in bolded text saying, " There is nothing required from you. Continue to bank as you do. '' That was, it turns out, totally misleading and deceptive marketing, and in fact is patently false. 

In trying to resolve the issue I downloaded the PNC app, hoping to be able to log in there, but after several attempts ( using the same credentials as I use to log into BBVA, per their instructions ) they froze my account. Scouring the BBVA website for any help, I found an FAQ article stating that as of Tuesday, XX/XX/2021, PNC would 'begin transitioning accounts. ' No indication as to when I might be able to use my account again. Checking their website again right now shows, " The conversion of BBVA USA customer accounts, products, and services to PNC is anticipated for XX/XX/2021. '' We're nearly halfway through XXXX. 

I have even checked my spam folder to see if I've missed any " additional communications '' from PNC as advertised initially, but there is nothing there. 

In short, BBVA and PNC bricked my bank account with all the money in it.
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In XX/XX/2020 I was notified of a wage garnishment for a Federal Student Loan. Fast forward to XX/XX/2020 and I finally pay off the debt. Then my paycheck gets hits for another {$420.00}, I call and find out the collection agency closed my account and submitted my file as closed and paid off but they never bothered to send a letter of debts paid to my employer. I call almost every day and am constantly told it's in progress. My next payday ( two weeks later ) comes and I'm garnished ANOTHER {$420.00}. Still, in progress, I'm fuming mad but every rep I talk to assures me that they will send me a refund on any overpayment and I have no worries just to be patient. Two more weeks go by and it's 1 day before payday and I am finally told by my employer that they got a letter and they will now stop the garnishments. A month goes by and I never see a refund check. I call and I am told that my refund check for close to {$850.00} was not sent to me it was forwarded to a " Client ''. The reps I talk to say they can not tell me why I didn't get the check that I had to talk to an attorney. The attorney at the agency will not contact me, I have filed a XXXX complaint but have not heard back. Their " Client '' is XXXX and from XXXX reviews is another debt collection agency that people like me will never get a hold of. Their phone lines tell you to leave a message they " are not accepting calls due to the state of the nation. '' They have no contact information. This firm drug their feet to stop my garnishment, took my money for the debt I had already paid and will not return it
Product: Credit reporting

I am no longer liable for checking account information in XXXX data base information is inaccurate an should be deleted
Product: Credit reporting

To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have  a Tax Lien or B ankruptcy.      ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does  not report  ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.    Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the   information reported is accurate.  ( CB Nam  e-   XXXX   ,   XXXX   ,  XXXX  ) has found  information on ( type of file - Tax Lien or Bankruptcy ) through  third party resear ch.     Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Money transfer, virtual currency, or money service

I sent {$400.00} to my nephew, XXXX, in the XXXX on XX/XX/2020 reference number XXXX XXXX XXXX XXXX, but it was sent by the Remitly app to XXXX XXXX XXXX  instead of XXXX. I followed the directions to update it on the next day on XX/XX/XXXX and it said update in process. I waited for the update to be done but the app still says update in process until now, XX/XX/2020. 

My nephew went to XXXX in the XXXX ( XX/XX/XXXX ) to request that they transfer it manually to them but was told they can not do it. He went to XXXX ( yesterday XX/XX/XXXX ) and they checked on it and told my nephew that the transaction was cancelled and the money went back to my account. Not clear as to when it was cancelled but the {$400.00} is not in my account as of today. I realized this is during the pandemic ( Covid19 ) but this is also the reason why I'm sending the money to my relatives. 

I repeatedly sent an email to Remitly if they can tell me when I will get the {$400.00} back in my account so I can resend it to my poor family who most need it during this tough times? I repeatedly got a response that due to the Covid19 they will not be able to help me and directed me to the app/website to get help. I sat by the computer to get help via Chat for 4 hours on XX/XX/XXXX but no one showed. Today I sat another 3 hours still no one showed. I tried to cancel the transaction myself but the app/website is stuck on saying the update is in process and would not allow any other actions to process. I don't know if the transaction was actually cancelled since I could not get a hold of anyone here in the US and I don't have the money back in my account to date. 

I need to get my money back so I can re-send it to my nephew as soon as possible. I am not getting any answer or help from Remitly at all. Please help me. Thanks.