23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Global Tel Link. This summer I put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a credit card to XXXX XXXX account managed through Global Tel Link. I called my credit card company due to fraud against Global tel link, as I was not clearly notified that half the money I put on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. I followed up with my credit card company who advised that they are aware that this company does business this way and did not investigate any further and credited my account. Since that time, it appears GTL has blacklisted me and will not let me add any funds to my friends XXXX XXXX XXXX. I have not even attempted funds to commissary account. I have attempted to put funds on the phone account several times using different credit cards, either using the app or over the phone. One time they took the money from my account and immediately returned it. I have called GTI 2x in the last 6 months to find out why I can not put XXXX XXXXn my acccount so my friend who is an XXXX can call me and GTI says has a XXXX answer from a human saying their systems are down, right now, please try again in 24 hours, if that does not work, you must wait 10 days and that unfortunately due to my personal business with my credit card vendors they are unable to tell me why my credit cards are not going through their system. My cards work with all other vendors, restaurants, XXXX, XXXX. It must be because GTI blocked me as a customer because I filed a complaint with my credit card company about them. This issue is well known within the jail system. Dont complain about GTI as they will cut your family and friends off from the phone and and XXXX XXXX and you wont be able to get anything unless do a work around. Such as giving money to a third party to set up an account and get a different phone number. This is a disgusting way to do business. And really GTI are performing and inhuman service to the XXXX  who need contact with friends and family and the importance of getting the little XXXXXXXX XXXX XXXX XXXX. They seem to hold all the power and know it. Really, blacklisting XXXX family or friends because they file a complaint about the at they do business, over {$100.00}? Who suffers. The XXXX
Product: Mortgage

Chase Bank refuses to identify an appraiser who generated an appraisal report of a residential property in XXXX, Michigan. ( That appraisal was the basis of a Chase complaint against me proven frivolous by the state of Michigan. ) Refusal to provide the appraiser 's license number and license level is in violation of Michigan 's Occupational Code, which states that they must " produce evidence of licensing upon request by a member of the public or a representative of the department. '' Please obtain the appraiser 's name and license number for the appraisal of XXXX XXXX, XXXX, MI XXXX completed on XX/XX/2010 and forward that information to me. Attached are documents detailing the results of that appraisal.
Product: Mortgage

Originally I applied for a loan modification on my loan due to a job loss of my husband, around XX/XX/XXXX. While in the process of the loan modification, the pandemic came and I than also had job loss for a period of time and income loss which changed the loan modification status and put me into a forbearance because SPS ( Select Portfolio Servicing, Inc. ( acct # XXXX ) ) said that they can't review under both circumstance. In Late XXXX I was put in a Forbearance according to my new situation and due to the income loss i was given some time until my situation changed. on XX/XX/XXXX after my forbearance period ended I called in to see what options I had to re-start my payment but was not given only one option and that was to submit a RAM application. In the process I was asked to submit many documents, which I did provide. They had many questions that need to be answered, which I did answered but the questions came at different times and by the time a received a correspondence for request of document/explanation every time I had to update another document because the date had expired. After a long back and forth I was already in XXXX of XXXX. At this time unfortunately I had a another change in my situation that had to brought forth, because my husband stopped receiving unemployment and I no longer can document that income and they told me that they have to put be in another forbearance. In XX/XX/XXXX at the end of the forbearance I requested a streamline modification but again they said I was not eligible and then I submitted another RAM application on XX/XX/XXXX. It is XX/XX/XXXX and SPS still is asking for more documents. The recent request concerned me because it is not in my control and according to the customer services person the requested document is needed and with out it the application will be incomplete. The request was for a pay stub that has a begin and end date, which my pay stub does not provide. I work for the State of NJ and they only have an end date on the stub and I have submitted my bi-weekly pay-stubs. I'm not sure after speaking to the customer service rep today XX/XX/XXXX what exactly they need as a supporting document as they are not able to change the pay-stub. I am very concerned about my loan and am overwhelmed by the requests. I feel like SPS is just buying time to add more interest to the end of my account. I am looking for a way to settle this in a timely manner as I'm I working mom of XXXX with a spouse with various health problems. This process has impacted me negatively, it has cost me time and mental exhaustion to the point where I feel i'm running it circles. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX SPS- ACCT # XXXX
Product: Debt collection

None of these are mine XXXX XXXX XXXX New Account Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Balance : {$440.00} Consumer Statement : Placed for collection XXXX. XXXX, XXXX New Account Account Number : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX within XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account Balance : {$440.00} Consumer Statement : Placed for collection XXXX. XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXXXXXX XXXX / XXXX Sales Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount Delinquent : {$290.00} Consumer Statement : Profit and loss write-off XXXX XXXX, XXXX New Account Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX XXXX {$2700.00} Consumer Statement : Placed for collection XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXXXXXX XXXX / XXXX Sales Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount Delinquent : {$100.00} XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX : {$530.00} Consumer Statement : Canceled by credit XXXX XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount Delinquent : {$1000.00} Consumer XXXX XXXX XXXX line suspended XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount Delinquent : {$82.00} XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX  Miscellaneous Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmount Delinquent : {$300.00} Consumer Statement : Credit line XXXX XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX  SD XXXX Amount Delinquent : {$800.00} Consumer Statement : Credit line suspended XXXX XXXX XXXX XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Amount Delinquent : {$280.00} Consumer Statement : Credit line suspended XXXX XXXX, XXXX XXXX Account Account Number : XXXXXXXX XXXX XXXXXXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Amount Delinquent : {$56.00} XXXX XXXX, XXXX Delinquent Account Account Number : XXXXXXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX Amount Delinquent : {$230.00} Consumer Statement : Credit line suspended XXXX XXXX, XXXX Delinquent Account Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Miscellaneous Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Amount Delinquent : {$220.00} Consumer Statement : Credit line suspended XXXX XXXX, XXXX Delinquent Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Amount Delinquent : {$30.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Key bank in Colorado has frozen my account based on a check they cashed and now won't let me access the account or funds and no one can tell me why it got locked in the first place
Product: Mortgage

I submitted a written request to have PMI removed from my account because the LTV was at XXXX % and would drop below XXXX % with the next scheduled payment. I received a letter and form from the bank with instructions on how to remove the PMI. One of the options was to pay the remaining principal balance of .1 % along with a Certificate of Value fee. I completed the form, selected the option to pay the principal down to XXXX % and the COV fee, and mailed it along with a check for {$480.00} for " XXXX XX/XX/XXXX, the check was cashed by the bank. On XX/XX/XXXX, the bank charged a payment that included PMI. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX to find out the status of the request. The phone representative stated that the PMI request was denied, but could not provide any additional information regarding why the check was cashed, why the request was denied, or why I was not notified. Additionally, the bank could not confirm if the funds from the check have been applied to account, or simply taken by the bank despite the rejection. 

I am filing this complaint because PHH refuses to remove PMI from my home mortgage despite the fact that I meet the requirements of the Homeownership Protection Act of XX/XX/XXXX. I have paid down my mortgage to XXXX % of the loan, have a good record of payment and compliance with the terms of the mortgage, made a written request, and paid for the COV to show that the value of the property has n't gone down. The property is not encumbered with liens ( such as a XXXX mortgage ). Since I meet all these conditions, PHH must grant the request to cancel the PMI.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX U.S. XXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. XXXX XXXX ( 2 ) and XXXX U.S. XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

This information on my report is incorrect I need it removed immediately I already did an ftc report to get this resolved
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate late payment information on my credit reports from XXXX, XXXX, and Equifax regarding my account with XXXX XXXX XXXX. 

My credit reports currently show two late payments for XX/XX/year> and XX/XX/year>, which I believe to be incorrect. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, verifiable, and fair. Since these late payments are inaccurate, they must be removed immediately. 

Please provide written confirmation once the corrections have been made. If further information is needed, I can be reached at the contact details listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX allowed an individual to open a new card account in my name and subsequently allowed a charge for jewelry. It was shipped to a different city than I live, to an address I have nothing to do with, to someone I don't know. I had a XXXX card in the past but it was closed about 20 years ago. I have not opened a new card. 30+ Days ago I spoke with XXXX and their fraud department, they told me they would cancel the card and start a fraud investigation and provide me with information within two weeks. I have yet to receive anything AND am still getting promotional material for the account that appears to still be open. I am having to pay on this fraudulent account to keep from having derogatory reporting from XXXX XXXX on my credit report
Product: Credit reporting or other personal consumer reports

I have been checking my reports and my consumer law rights have been repeated violated. after chasing down my worker from the XXXX for answers or correspondence from XXXX, it took her XXXX months to give me an update to my case. I emailed her multiple times. I never received anything from the bank or the XXXX XXXX. They are reporting open accounts on my credit file that are not open. I do not have any lines of credit open with them at all. They are reporting an open balance on these accounts with past due balances beyond XXXX  days. Then on the same report, another account with the same credit union a closed account with a past due balance. I never received a notice of sale or deficiency notice as required by law. They emailed it to my XXXX representative but never sent it to me as the consumer of the supposed debt. This violates the FCRA and Fair Debt Collecting Policies to help protect consumers all over our nation. The XXXX XXXX XXXX and her loan XXXX XXXX XXXX has forged documents to send to the XXXX which shows incorrect balances after the private sale they had at the bank. I also received a letter stating that XXXX sent me a letter regarding closing my credit card account that was never given to me, mailed to me, or emailed to me. I requested proof of the sale price to show the deficiency but the bank refused to produce this information even after asking. This is completely ridiculous and banking practices like this cause consumers of XXXX to really think about unfair banking and discrimination. if you look at the deficiency letters, they address me at the top but do not have a date on the letter. How and when was this sent?
Product: Mortgage

I need access to my mortgage account online which I was able to for over a year. Suddenly I am been told online and person to person phone conversation that my account is been placed on hold. These failing attempts to access my account has been over three weeks. 
Please help.
Product: Mortgage

My mortgage was sold to Carrington mortgage several years ago. We have a fixed rate usda mortgage 3.25 %. I noticed it changed to 3.75 % years ago, and reached out. They advised I have a variable rate loan. I recently was looking at my loan documents and I in fact do have a fixed rate mortgage of 3.25 % we never refinanced. What can I do?
Product: Payday loan, title loan, or personal loan

I have paid {$2800.00} on a loan for {$1200.00} and still have 3 payments. This loan is a t620.92 % interest. This should be criminal.
Product: Credit card or prepaid card

I have been collecting XXXX unemployment from the state of AZ. I received my Bank of America card and deposit the end of XXXX. On XX/XX/2020, I was informed via email, that my account was closed and the money was returned to my employer. I checked my account, and the balance was XXXX. AZ XXXX had closed my account and took the money with no notice. They deemed me fraudulent as I currently reside in CA. My account had {$4600.00} at the time of their withdrawal. Since then, I have set up direct deposit, my account is NOT fraudulent, and I even had an appeal. I have called and/or emailed everyone I can for this. No one can tell me where my money is. It still shows I received it and paid taxes on it on my workbench. I do my know what else to do. Now this shows as income and that I paid taxes, but I did not. It was taken, no explanation, no one knows where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to equifax XXXX  and XXXX  please remove this account from my records. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected and included the executives selling their stocks in their company after they found out but before the public. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not sure of the balances but before i turned XXXX on XX/XX/XXXX my mother discovered someone used my information she contacted XXXX XXXX and XXXX XXXX they closed the account due to fraud. she than contacted experian credit bureau to make sure the accounts were taken off of my credit file. They had her submit multiple documents back in XX/XX/XXXX. The accounts still were n't removed when I turned XXXX in XXXX I contacted them again they made me submit the same documents in XXXX of XX/XX/XXXXand the accounts still remain on my credit file. The customer service rep even attacked me like it was my fault some used my information fraudulently. I do n't understand if the company closed the account due to fraud why experian as not deleted the information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XX/XX/XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
Product: Credit reporting

The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXXXXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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.