23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

After a lifetime in the military we found the last home we'll ever buy. Got a personal loan from BHG for renovations intending to refinance the mortgage once done. Well, supply chain issues, cost increases, gas tripled, etc., so budget ran thin. Used credit cards to supplement the budget and called BHG to refi the personal loan and consolidate the credit card debt. They said our revolving credit utilization was too high so we didn't qualify. But, they said we could qualify for a business loan snd business credit card ; I said we aren't a business, we have no business license, no business accounts. The salesman said not to worry, just " say '' we have a business. He said use the business loan and credit card to pay off our personal cards, bring down the revolving credit and then we could qualify to refinance the personal loan and consolidate everything. We were desperate to streamline and were out of options so we took the deal. Used the business loan and card to pay off personal debt as BHG advised us to do, waited until credit bureaus reflected and my score was up, and called BHG to refinance. The salesman said they couldn't help us, " we can't refinance the personal loan to payoff business debt ''. Seems they misled us, now we were stuck with debt we could barely afford. A couple months later we took in my brother-in-law who has XXXX ; his wife died of XXXX. We also took in our granddaughter and are now raising her. Tried explaining to BHG that we can no longer afford all of the debt they conned us into. We proposed a settlement to which they demanded no less than 150 % of the original balance paid over a additional 91 months! We're ar a loss as to how a company can so openly exploit borrowers, taking advantage of an economic climate that has people desperate just to survive. At this point we're facing bankruptcy since BHG won't work with us. And now they have debt collectors harassing us. We're hopeful the CFPB can help, maybe the XXXX, SEC or some other regulating body. A lifetime of service to the nation and taking care of so many in our family that are in need and BHG doesn't care.
Product: Checking or savings account

I have a chime checking and savings acct.i received a deposit and needed to send my tenant some money. It asked me to use her name or email or chime tag..I used her name as she is a chime user and in my contacts I've never sent her money previously. Her name came up I proceeded to send her XXXX. She never received it we both called immediately and was told to file a dispute I did.sevral hours later I got denied no explanation or answers to where my money was. I spent hours trying to get answers only to be told nothing ..it 's gone ... unacceptable..that is not how banks do things ..I can't believe they just are like so sorry bye.In trying to find help I've read that this happens all the time chime steals people 's monies ..how is this legal
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.
Product: Checking or savings account

Claim # XXXX. My wallet was lost and recovered from XXXX customer service desk. I charged from Texas was placed on my account on XX/XX/2019. I have used my debit card almost every day since then. I noticed the charge on my account when I was told that my payment had declined from my XXXX  office. After looking over my transactions I reported this charge immediately to be told that I did not report it soon enough is not acceptable. I can not report something on my account that I don't see. By law I have 60 days or two billing cycles to report a charge. If I received monthly statements by mail maybe I would have noticed sooner. A better question would be why didn't BOA security detect a charge from Texas as fraud. I have never been to Texas before. I am willing to provide any documentation : police report, statement from XXXX, statement from XXXX  office etc.
Product: Credit reporting

My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called TransUnion to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both TransUnion and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX VIOLATES NYS 380T LAW BY DENYIING NONCELL PHONE USERS ACCESS TO EQUIFAX WEBSITE/CALL CENTER. 
EQUIFAX HAS NO LEGAL GROUNDS TO DENY ACCESS BECAUSE I DONT HAVE CELL PHONE.
Product: Credit card or prepaid card

I am unable to receive the Capital One card Therefore, I have no card to reference when calling in. I just want to receive the card and request an increase for my business. I have called and left a low rating on the survey regarding the POOR customer service received. From there I received a call to follow up as requested but still have not received a card and it was issued in XXXX according to my credit report. XX/XX/XXXX, XXXX XXXX XXXX XXXX from the Survey called and I return the call several times but to no avail. I did not get response. I was able to request the card later with someone but still no CARD
Product: Credit card or prepaid card

On XX/XX/2022 the citi cc service said I can't use my new cc, they can't verify my info asking for others cc info. They won't Close my cc because they are mailing me something they are still charging me for information they can't verify.
Product: Mortgage

Due to the coronavirus pandemic, my disability payments were stopped ( due to XXXX  ). This affected my ability to pay my account with Midland Mortgage. On XXXX XXXX 2022, I applied for the Michigan Homeowner Assistance Fund to help bring my past due amount to current status. I was approved XX/XX/2022, and was funded on XX/XX/2022. However, it is XX/XX/2022, and the bank still says it has received the funds. Furthermore, Midland Mortgage is proceeding with the foreclosure of my home.
Product: Credit card or prepaid card

Hi! I have a CreditCare/synchrony credit card where i make a {$80.00} minimum payment. I recently have gone through financial hardship and i have been late on making a few payments and i can not stress how sorry i am for missing these last payments for the months of XXXX - XXXX of 2019.I know throughout the year of 2019 i haven't been making my payments on time but this year has just been exhausting, dealing with my very sick daughter, losing family members, switching departments in my job, and just trying to get my life back together. Overtime the payments and late fees started to add up and before i knew it, it just became a lot to handle and again i am so sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy discharged XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to express concerns regarding the usage of Zelles and how its company handles disputes, especially now that CPFB lawsuit has come to light. There was countless times that I used Zelle because it was advertised as an easier money transfer with no problems. However CPFB finding could say that opposite where Zelle did nothing to protect its customers when it came to be exploited from offenders where all customers are left vulnerable to scams.
Product: Credit reporting or other personal consumer reports

As always ProCollects fraudulent account was disputed. This time it was finally removed as of XX/XX/year>. And then illegally Re-opened. I asked XXXX to remove and the fix the error. They refused. 

Not only did they fail to legally follow procedures in proper notification and paperwork directly to me of the account. The fact that it has been reported numerous times as fraudulent and proven so and then improperly investigated has been issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. XXXX XXXX XXXX do not provide information related to public records to 3rd party companies like XXXX XXXX or any other for that matter that TransUnion stated provided the information.
Product: Mortgage

Under the Home Affordable Modification  Program ( HAMP ), th ere is the Pay For Performance program, and then the Recast Re-Amortization program which, on the sixth anniversary of your HAMP modification, reduces your mortgage principal by {$5000.00}, AND lowers your monthly payment because of the lower principal.     Bank of America did lower my principal by {$5000.00}.     But, Bank of America has NOT lowered my monthly payment, per the term s of the Recast Letter Agreement. They claim mail d elays for the new paperwork, and then now claim technical difficulties.     So my  XXXX   XXXX ,    2017  mortgage payment amount is incorrect, but I was told to make it anyway, or be considered late. No date has been provided to me for the fix of the problem.
Product: Debt collection

im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is XXXX and the collection people are for first national collection bureau, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.
Product: Student loan

On XX/XX/2023 I paid off my student loan balance through Mohela, my absolutely incompetent servicer. I have the documentation of the payment confirmation, the withdrawal from my bank account and the following XXXX balance from the Department of Education. 

Following my payoff, the department of Ed gave the money back. I have not been abler to find out why because they have not responded. If it's for forgiveness, I would like to know. However, I believe it must be for continuing gaining interest. 

Soon after reaching out to the department of Ed to submit a complaint about Mohela, they then brought my balance back from 0 to the original amount. Nowhere in this was I ever contacted. 

My servicer then began charging interest, now I have to pay at this time {$11.00} more but it will continue to accrue simply because no one accepted my payment and no one is responding. 

At repayment, the servicer system said I would be overpaing due being in auto debit, which I am definitely not in. They are a new servicer! It switched during the pandemic. they know this because on their website dashboard, it says a warning about lowering my payments if I choose to sign up for debit. 

This is all evidence that they can not handle the crucial data management required for loan servicing, who knows what else they have mishandled leading to incorrect payments for myself and others.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please act quickly to remove the unauthorized inquiries from my credit report. I did not approve them, and they are causing me great distress.
Product: Checking or savings account

I closed all my accounts at PNC bank on XX/XX/XXXX and on XX/XX/XXXX I received an email from pnc bank stating I was overdrawn and they were charging me. This obviously affected my credit is a negative way.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX an they said I don't have any late payments transunion has an late payment on my credit report and also the amount owed on the vehicle is incorrect
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has been reporting negative on my credit for years now this account was a secured account I owe them nothing they owe me as I was never refunded my security deposit they continue to report different amounts XXXX XXXX, XXXX I've had enough from them falsely reporting if this account was negative why would they open another account for me because they know they have been reporting falsely for a very long time this company is a scam and the government is allowing them I'm gon na open a lawsuit against them and maybe then they will be brought to light of their wrong doing
Product: Credit reporting or other personal consumer reports

Legal Violations I believe that BMW Financial has violated my rights as a consumer, in part due to the following U.S. Code provisions : 15 U.S.C. 1681 Section 602 : This section requires creditors to report accurate and truthful information to credit bureaus. Some of these late payments are clearly errors that stem from circumstances beyond my control, and as such, should not have been reported to the credit bureaus.

15 U.S.C. 1681 Section 604A ( 2 ) : This provision addresses the reporting of credit information and consumer reports. It is my belief that the manner in which the late payments were reported fails to take into account the significant and widespread financial challenges caused by COVID-19.

15 U.S.C. 1666B : Under this section, consumers are entitled to dispute billing errors related to late payments. Given that some of these late payments were due to unavoidable circumstances, I assert that I am entitled to an adjustment to reflect this error.

15 U.S.C. 1681 Section 3 : This provision underscores the importance of consumers having the opportunity to dispute inaccurate information. I have attempted to resolve this dispute directly with BMW Financial, and I now seek your formal review of the late payments and how they were reported.

15 U.S.C. 1637b : This addresses creditor responsibilities in offering credit and requiring clear communication. I believe that BMW Financial did not provide the necessary support or clear alternatives to assist during the pandemic, which contributed to my inability to make timely payments.

15 U.S.C. 6802 : This statute requires financial institutions to protect consumer data and ensure fair treatment, including during times of financial distress. I believe that failure to offer relief options, such as forbearance or loan modifications, in this case, may be a violation of this law.

15 U.S.C. 1666 : This section provides consumer protections for credit agreements, specifically addressing billing disputes. I am requesting a review of my account in light of the financial hardships I faced and the impact they had on my ability to make timely payments.

15 U.S.C. 1640 : This allows consumers to seek damages for violations of TILA and related laws. I am requesting compensation for the harm caused to my creditworthiness and for any unjust penalties that have been imposed due to the reporting of these late payments.
Product: Money transfer, virtual currency, or money service

XXXX payment to XXXX XXXX ( XXXX ) XXXX for {$100.00} on XX/XX/23 at XXXX XXXX XXXX payment to XXXX XXXX email : XXXX for {$50.00} on XX/XX/23 and another one for {$45.00} on the same day and same person
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$210.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$860.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance Owed XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed in my consumer report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX law these accounts on this letter must be deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.