23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in XXXX my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on XX/XX/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because I had an income deficit. I called back today after modifying my monthly expenses and I am still not eligible for the modification. I even included my husband 's salary as they suggested the first time we talked. How come they said I do not have the means to pay if I have been paying this apartment for the last 10 or so years? What I want is for Banco Popular de Puerto Rico to modify my mortgage loan or to give me a streamline mortgage or anything that does not include surrender my apartment to them, which was the only option the person on the phone gave me.
Product: Credit reporting or other personal consumer reports

XXXX student loans that I took out in XXXX and XXXX were paid off by XXXX. They have reappeared on my credit report in XXXX or XXXX with a different servicer the amount reported is the amount of the original distribution. My original loan servicer was XXXX and there is a KNOWN issue with loans they serviced between XXXX with MY EXACT PROBLEM. I can't get the credit bureaus to take the XXXX loans that are being reported as a debt of almost {$20000.00} that I DONT OWE. I have sent every document I can get my hands on to no avail. The department of education lists the XXXX loans with a ZERO balanace. The loans were reported as defaulted so they were managed by the debt resolution group or something. Somehow that particular department has zerod out my account but I cant get it off my credit report. 

From the consent agreement XXXX  ( now conduent ) : -Respondent XXXX conducted business as XXXX XXXX XXXX XXXX 

-From at least XXXX until at least XXXX, however, certain adjustments had to be processed manually by a trained loan processor. Not all XXXX  processors were trained to make manual adjustments. 

-In the interim, Affected Loans remained unadjusted with potentially incorrect principal balances. 

-Eventually, over XXXX packets of Affected Loans were in the queues for adjustment. 

-*******Respondent was also aware that unadjusted Affected Loans that were transferred to other servicers from XXXX to XXXX might have had incorrect balances, but Respondent did not inform the Affected Borrowers or the relevant servicers. *******
Product: Credit reporting, credit repair services, or other personal consumer reports

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, 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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: Money transfer, virtual currency, or money service

On XX/XX/21 I transferred {$35000.00} from Chase bank to XXXX XXXX XXXXXXXX intending to purchase a XXXX XXXX that turned out to be a fraudulent scam operation. The fraudulent opportunity was marketed by XXXX XXXX XXXX, XXXX XXXX listed as the principal agent. JP Morgan Chase and XXXX  XXXX XXXX have refused to offer any remedy to the situation.
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.

Account Name XXXX XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

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

I have a hard inquiry from XXXX XXXX XXXX XXXX. I didn't get any finance or I never shopped with them ever. 

In accordance with the fair credit reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that this account will be corrected. 


XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I called ACA ( American Credit Acceptance ) twice in XX/XX/2020, the month prior to the due date of my first payment, to inform ACA that I need some assistance due to the Stay-At-Home Order because of the coronavirus pandemic. ACA informed me that I am current and there is nothing ACA could do for me since I have not made my first payment. I informed that my XXXX payment will be late and I need a 2 to 3 months deferral. ACA denied me the deferral. I called again the first week of XX/XX/2020, to discuss my car payment. ACA refused to give me any assistance. I explained to the agent that I am being affected like everyone else in the USA, I am self-employed and all my clients have stopped paying me. ACA firmly denied any help. My due date came on XX/XX/XXXX, I was not able to make my first car payment. Then ACA started making collection calls as early as XX/XX/XXXX twice, on XX/XX/XXXX, on XX/XX/XXXX, on XX/XX/XXXX. Called ACA after I received a threatening letter to repossess my car and to accelerate my car loan after the agents promised me that ACA is not repossessing any vehicles. I spoke to a Supervisor and she agreed that the letter should have sent out and it was system generated. I informed her that this is a written statement that contradicts what she was telling me. I decided to file a compliant.
Product: Credit card or prepaid card

I received a fraudulant card in the mail today. It is not in my name, but was sent to my address from " ReliaCard '' issued by U.S. Bank with a return address of XXXX. XXXX XXXX, XXXX, IN XXXX. Despite claims made online that they are there for us " 24/7 '' I have spent the afternoon and, now the early evening, waiting on hold for a real-life human being to inform me if I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : XXXX XXXX  ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3100.00} XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$6500.00} XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$11000.00} XXXX  ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$15000.00} XXXX XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$19000.00} Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I was informed today, XX/XX/XXXX that a credit card account was closed XX/XX/XXXX. I was never notified of this closure or reason for closure prior to todays date. I disagree with the closure of this account and want the account reopened. 
I also had approximately XXXX rewards points lost during this process that I want to be compensated for ; either by reinstatement, transfer to an open account within same banking institution, or by reimbursement of cash value. 

I have reached out to the bank several times for assistance options due to being injured and medically unable to work while healing ; and also being furloughed during Covid. I was never given any accommodation or consideration despite my repeated requests for assistance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2500.00}
Product: Debt collection

I had debt in collections from XXXX  for XXXX XXXX This account had opened I believe in XXXX. 
Due to the age ( XXXX years ) and also XXXX  filing bankruptcy and selling old debt I disputed this with them through XXXX XXXX XXXX of this year the debt was reopened ( saying its new and its term in collections began XXXX of XXXX ). That is false. They are re-opening old debt and publishing it on my report as new. Providing also false information.The credit was removed due to age and being charged off and then reopened yet again. I have disputed this several times and it has gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank is misreporting a balance to my XXXX credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Consumer Loan

I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputed this same fraud auto loan collection account since it was brought to my attention in XX/XX/2020. The bureaus conducted their investigation and it was removed from my report after the investigation was completed. The account started reporting again 2 weeks after it was removed. Per my understanding, if an account is removed for fraud, it is blocked from reappearing on the report again and yet here it is. Furthermore, I've been redisputing it and the bureaus are taking no action to restart their investigation let alone look at the previous investigation notes. I shall make no further pleas. Next step will be a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are more than 10 years old but still on my credit report.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 43001539865206 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: Checking or savings account

US BANK FROZE ACCESS MY ACCOUNT FOR NO REASON WITHOUT INFORMING ME AND WHEN I CALLED INTO CUSTOMER SERVICE TO SEE ACTUALLY WHAT WAS GOING ON WITH A TRANSACTION THEY FRAUD DEPARTMENT AGENT TALKED INCESSANTLY AND AS IF HIS INCOMPETENCE LED TO A PROLONGED EXTENDED DIALOUGUE OF UNNECCESSARY REPEATED INFORMATION SO MY ACCOUNT HAS BEEN LOCKED FOR A REASON I HAVE NO IDEA AND I CAN NO LONGER CONTINUE WITH THE DISPUTE I NEEDED TO FILE BECAUSE OF SOME SLOW TALKING XXXX ON THE XXXX PHONE WASTING MY XXXX XXXX XXXX XXXX XXXX XXXX TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

TD Bank offered an Introductory APR of 0 % for a XXXX credit card they provided. I began accruing interest charges after the 2nd billing cycle. I inquired about the charges via telephone and explained that I was supposed have a 0 % Introductory rate. They denied this and that they did not offer such a promotion so I requested to have my terms and conditions for the account emailed or inquired where I could view them on my personal online dashboard. The only option was to have them mailed which took 10 days. The mailed documents confirmed in the Interest Rate and Fee Schedule ( page XXXX, document XXXX ) that there is a 0 % Introductory APR for the first XXXX billing cycles for Purchases. I called them to inquire again about the unjust interest charges according to the terms and conditions of the account. They continue to deny that they offer such a promotion and have requested that I fax the Interest Rate and Fee Schedule ( page XXXX ) to them for them to review. Why do I need to fax it back when they just mailed it to me? The review process takes at least 5 days. All the while my account continues to earn interest when it should n't.
Product: Debt collection

Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California. 
I have disputed several times but the debt keeps showing up in my credit reports.
Product: Credit reporting or other personal consumer reports

I NOTICE SOME UNAUTHORIZED INQUIRES ON MY CREDIT CONSUMER REPORT THAT I DID NOT AUTHORIZED AND WOULD LIKE REMOVED. ACCORDING TO FCRA THESE UNVERIFIED UNAUTHORIZED ITEMS MUST BE REMOVED. THIS IS IDENTITY THEFT I HAVE NO ACCOUNT WITH THESE CREDITORS. PLEASE REMOVE IMMEDIATLY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX showed up on my credit report. This is a third party company and I have no idea where this came from. I has a major impact on credit score. I would like it removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, XXXX and Experian both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from Experian 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this. 

XXXX shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) WXXXX  ( Finance ) Experian shows 5 hard inquiries on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 hard inquiries on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I closed my savings and checking account with Chime because I was unable to transfer funds out. It took 3 weeks for me to receive my closing check for {$23000.00}. I deposited in my local account and waited the required days for it to be released and transferred the majority to another higher interest account ( 5 % ). A few days later I received a notice that the check had bounced. When I called my bank they said the issuer of the check canceled it saying insufficient funds. I called and spent over an hour on the phone trying to figure out where my money was and getting a refund for the bounced check fees. At the end of the call I was told 3 check that would add up the the full amount had already been mailed out and I would receive the {$50.00} in bounced check fees. I waited 2 weeks and when no checks appeared I called back to be told that the checks had been returned, no reason given, they had my address, the first one made it, I'm not even sure they really mailed them ..... The rep said he would just need a min to get a new check expedited, 45 min later he said he could not speed it up and it could take up to another month before I get a new check. This had cost me over 3 hours on the phone, over {$300.00} in lost interest and a ton of stress and worry that my life savings is gone.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX