23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

SINCE XX/XX/year> I HAVE NOT ABLE TO SEE MY CREDIT REPORT. I CALLED NUMEROUS TIMES TO RESOVE THE ISSUE. THEY SAID THE ADRESS WILL BE UPDATED IN 72 HOURS AND IT HAS NOT BEEN UPDATE. THE LAST WE SPOKE WAS YESTERDAY XX/XX/year>. AND IT SAYS UPDATED AND STILL NO ADRESS OR NO UPDATED CREDIT SCORE. ALSO, I SPOKE TO A REPSENTATIVE SAYING THEY DIDNT RECIVE MY PAPERWORK THAT I SENT ON MY MONDAY WITH CERTIFIED MAIL.
Product: Credit reporting or other personal consumer reports

To : XXXX and TransUnion Re : Unauthorized Credit Inquiries. Trademark infringement for lacking permissible purpose to access and furnish my copyright and trademark protected intellectual property. 

To Whom It May Concern, This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission.

As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRAs maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record.

I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a \'permissible purpose\ ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with you.

Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXXXXXX XXXX ), payable to the name listed above. 

Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA.

Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit.

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 

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

I filed a dispute complaint to PayPal about an unauthorized charge to my paypal account through my PayPal account. I was notified by PayPal that my claim is denied and I has the right to obtain the supporting document for their decision. I followed their instruction asking for the document ; and then, PayPal changes their statement and told me that the related documents can only be requested by USPS mail ( not by email or phone call ). I strongly believe PayPal is artificially creating procedure difficulties to block customers from obtaining critical documents.
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 USC1681 } XXXX XXXX XXXXXXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX ... .Has violated my rights ( 15 USC 1681 ) section 602 ( a ) 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 an account without my written instructions.

( 15 USC 1681c ) ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes, which antedates the report by more than XXXX years. 

( 15 USC 1681 ) s-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 the information is inaccurate.
Product: Mortgage

My XXXX  and I bought a house in XXXX XXXX  XXXX. It had a clear title that was insured by XXXX title. We are now trying to sell the house and the XXXX  and Freedom Mortgage filed paperwork in XXXX XXXX  XXXX, for an unknown mortgage to an unknown person. Per XXXX this has been paid prior to our closing in XXXX XXXX  XXXX. Neither my XXXX or I are have ever ever been in the XXXX. Freedom Mortgage has been contacted prior to the initial closing date of XX/XX/XXXX about this and they keep saying that it will take a few more days. My XXXX is paying $ XXXX in interest because we can not close this house. Our loan is through XXXX XXXX XXXX. 
I believe that Freedom Mortgage should clear this loan off the title as it was put on incorrectly. They should also have to reimburse the interest accrued from XX/XX/XXXX through the actual close.
Product: Checking or savings account

Good evening the reason Im reaching out is because Ive had a account with Chase bank. In my account has been closed or frozen which ever it is but I have no access to it at all. I was approved for the Paycheck protection loan which was deposited into my Chase account however they decided to close the account.Im an independent contractor and no EIN number has been assigned to me I use my Social Security number. I still havent received any information as they tell me the account is closed. The problem that Im having is there is money in that account which I am responsible for paying back. So Im reaching out to see what steps do I need to take in order to be able to get to the money that was in the account at the time.
Product: Mortgage

My name is XXXX XXXX age XXXX I am an XXXX with income over XXXX per year. My credit score is XXXX with all three credit agencies. In XXXX 2016 I responded to an offer by my existing bank Bank of America to refinance my existing HELOC loan on my owner occupied residence. I provided BofA with every document they requested, that was almost XXXX pages of my personal financial information. Keep in mind this was not a request for new credit but an application to refinance at a lower interest rate that would save me approximately {$300.00}. per month. The loan underwriter went into a process of imputing thousands of dollars in monthly phantom expenses, and disregarding real dollar income. She ultimately declined the application stating that I had insufficient income to meet my obligations. Completely ignoring the fact that I have made every payment on this loan and every other obligation every month in full and on time for over 30 years. Attached are documents supporting these assertions. You may make this statement public but please do not publish the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

I attended XXXX on two separate occassions. One location in XX/XX/XXXX and it was mysteriously shut down, re enrolled in the " new location '' in XX/XX/XXXX and school was also shut down. We were told the school was closed due to lying about credits being transferable in which I found out to be true from not being able to transfer my credits. For not being able to hold up on their end promising job placement which in my situation never happened. Now my student loans which were initially XXXX XXXX but are now with Navient are constantly adding up due to interest. They are negatively impacting my credit scores all due to them funding a non accredited school. I have since lost my merit with my employer due to a credit check and ca n't qualify to purchase a home because of the negative reporting from a few years ago. The balance is now under {$8000.00} but I am slowly repaying a debt that I should n't be responsible for since this school was clearly not accredited nor accepted by employers. I have spoken with Navient on several occasions but the most I 'm ever offered is deferment payment status. I was never told by Navient nor XXXX that most students that attended that school was having their student loans dismissed. No representatives ever shared with me that would have been an option for me. It is now XX/XX/XXXX and I have experienced this nightmare of student loans for almost 10 years. I am afraid when it is time for me to return to school this will prevent me from being able to qualify for a loan if needed and that if not removed or negative remarks removed from my credit report it will also prevent me from obtaining a much needed promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXXto XX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXXthat any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Product: Credit reporting or other personal consumer reports

The information is inaccurate and I disputed the information XXXX XXXX XXXX  and it was removed. The information has reappeared and I want method of verification. description of reinvestigation of item, proof of reinvestigation taken in this matter. The information is inaccurate and injurious to my credit report.
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person and I was never able to get it back
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my XXXX, Transunion, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Pennymac allegedly servicing the loan # XXXX has charged multiple fees for property inspection and have frequently appeared at my residence and more recently in 2017 changed the locks to my unit and may have removed items from my residence.
Product: Credit reporting

A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days ' time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
Product: Checking or savings account

My husband XXXX XXXX died in XX/XX/XXXX, and I visited BOA downtown XXXX XXXX location with all paperwork after finding his empty checkbook. I'd already tried to change his banking passwords, as I had his email access, but I couldn't get in. 
After an hour spent downtown with banker XXXX XXXX, I was eventually told I had to make another appointment with a notary after the Death Certificate was issued even though I already had a different letter from the county. ( Due to XXXX, the morgue was months behind in issuing official death certificates ). 

Visited Notary at the XXXX location ( XXXX ) with XXXX etc to complete papers. Notary assisted, though something had to be re-faxed a few days later for missing a form number or signature. Explanation unclear, papers faxed. 

XXXX : received closure completion guaranteed via email ( have this ) from the original banker XXXX XXXX at the downtown location. Then I never received anything or heard back. I followed up by email in XXXX and never received a response. 

XXXX : Visit XXXX branch with paperwork and to ask where things were. Updated new apartment number. ( There was a delay because I lost my ID and could not provide it to update the records. In my paperwork, it looks like the notary didn't sign?? the first time?? ) XXXX : Start complaining on XXXX, hear from several BOA SM/PR associates. Receive a phone number, finally get someone on the line. Was told I never had a banker assigned my case ( not even original banker XXXX XXXX ) but now this is resolved. Was told something was sent in XXXX ( I moved apartments in XXXX and already wrote to them. ) Was told they would send a new check. Did not. 

XXXX ( XX/XX/24 ) after tweeting again, was given a call with a phone number to check the tracking information for an express check. Called number, left message, never heard back. 

I have some of these phone calls recorded.