23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Pre approved and now two weeks from closing we are loosing our XXXX, because the lender has now told us underwriting is declining, he did not update the underwriting with the updated information filed the complaint with his company and they are not going to re review the file. We have paid debt that he asked us to pay which totals {$1500.00} and loosing XXXX in XXXX money
Product: Credit card

I spoke with a manager named XXXX ( employee ID XXXX ) on XX/XX/XXXX regarding a waiver of the {$28.00} interest charged to my credit card ending in XXXX on XX/XX/XXXX. She stated she could not waive, and she hung up the phone when she was unable to answer questions. I'd like to leave a complaint ( please provide the complaint number ). I was not expecting interest to be charged as I paid my card in full by the statement closing date, and she stated that I needed to pay in full by the due date, which was not my understanding. Two questions : 1. Do I need to pay in full by the due date or statement closing date to avoid interest? There is no other bank that I am aware of who operates this way - I always pay the minimum by the due date and the full amount by the statement closing date, and I have not been charged interest with other banks. If this is different at Capital One, please let me know. If it is not different, please add this misinformation to XXXXXXXX XXXX complaint as we have to expect that we're given correct information.

2. I was charged interest on my XXXX and XXXX statements, but not on my XXXX statement. when I asked why, XXXX stated that I was given a courtesy grace period (? ) and could not answer why I was given this. In fact, when I asked why ( as I have to know so I know how to manage my cards moving forward ), she asked why it mattered, as it was good, the system makes these decisions and she has no idea, etc. Overall, she was not helpful and would not escalate my question. Is it because I accidentally made XXXX payments in the XXXX statement period ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) that covered my balance? This is the only explanation I could think of. Again, when I asked XXXX if this was the reason, she refused. 

Given this confusion and very likely misinformation given by the rep, I do ask that the {$28.00} interest fee is waived, even as a one-time courtesy. I have been and will continue to pay my balance in full so that interest will no longer be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 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: Debt collection

Today I checked my credit report and verified that this account that I'm reporting to delete and block is still reflecting on my credit report and its affecting my financial credibility.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I have tried to resolve things directly with Outsource and the Bureaus to no avail. I have heard back from neither and it is severely affecting my scores. They are stating I have 2 accounts with mountain XXXX XXXX. However, I only ever had 1 account that I closed when I relocated. XXXX XXXX never reached back out despite having all my information. I have disputed this with Outsource multiple times and each time they can't validate the debt, they remove it and next month its back on my report?! This needs to be fixed I don't owe a debt to XXXX XXXX.
Product: Checking or savings account

My account was suspended because I didn't update my personal information on time. After I updated my information and uploaded all the files the bank requested, my account is still being suspended. Then I called the branch, and they didn't give me a clear answer about when my account could back to normal status. I waited for almost 7 days since I first uploaded all my files to request unfreezing my account. I still have more than {$2500.00} in this banking account, and I feel nervous because I really need to use it to pay my current rent.
Product: Vehicle loan or lease

I pay all my bills through auto pay monthly. Every vendor receives and accepts the payments on the post by date except Volvo Finance. Volvo has repeatedly refused to accept my payments for days and sometimes weeks. When I called they basically said I am ahead ( like a year ) so they don't have to post it until the due date. I recently sent the payoff based on the quote given in my Volvo financial account with a due before XX/XX/XXXX date. I sent the payment for acceptance by XX/XX/XXXX. It is now XX/XX/XXXX and Volvo has still not accepted the payment.

It appears they are not accepting payments to generate additional interest.

Is there anything that can be done please? This is a ridiculously bad business practice. Now I will be stuck making another payment and if they sit on it I will continue accruing interest.
Product: Mortgage

Requested mortgage assistance with my mortgage servicer, I have filed chapter XXXX several times trying to stop my home from foreclosing. My mortgage servicer is unwilling to help me my interest rate is 13 percent and has been that for over 20 years. 
Spoke to XXXX XXXX ext. XXXX w/SN Servicing Corp. She also stated I needed to show proof of income from both children showing they are able to make their own car payments. I stated that they have no problem giving me their money each month. to pay their vehicle payments. I feel I'm being discriminated against because of my age and I'm XXXX American male. My mortgage servicer has given me a hard time for years and I need to reduce my mortgage payment and interest rate. I have done research and under the Consumer Protection mortgage assistance regulations my mortgage company is asking for documents on my children income for debts they pay. 

Please Help, Please Help
Product: Bank account or service

Paypal limited my account and withheld my funds with no explanation. I have called them and written to them. In the phone call, they did not provide any solution. They replied to the first email stating that it 's for " security reasons '' without informing me what kind of " security reasons '' those were. Second email went unanswered. 
I previously received two emails 1 month and 2 months ago respectively informing me the uses / limits of their paypal MyCash product, which I promptly complied.
Product: Student loan

After completing a consolidation process to lower my monthly student loan payment through the XXXX XXXX XXXX XXXX, I was approved and have a confirmation email dates XX/XX/XXXX. My repayment to Sallie Mae, my private loan lender, was due XX/XX/XXXX for the very first payment after graduation - which would have been roughly {$450.00}. I was informed not to pay sallie mae, as the federal student aid would be covering the loans and it would take up to 90 days to complete the transfer process. I called and clarified this with the XXXX  company several times, as I was still getting alerts constantly from sallie mae my loans were overdue, and reassured I shoud n't pay because XXXX would be taking care of the matter. 90+ days go by, and no consolidation had been completes, sallie mae didn't have any record anyone from XXXX  had even contacted them to dispute the repayment amount. I am now past due with an amount {$1200.00}. Sallie Mae is unable to consolidate any of the past due amount, and the XXXX XXXX aren't willing to help, as they don't settle private loans - which i was unaware of, and was told several times repeatedly that they would take care of all my student loans - public and private. I was unfortunately misinformed about what was being consolidated - and now am unable to receive any help or assistance from either company. I am hoping to get this unfortunate miscommunication and misunderstanding settled once and for all, please!
Product: Credit reporting or other personal consumer reports

I called Equifax at XXXX. I have been repeatedly turned down for a US credit card because I have no US credit history and report. I asked Equifax USA to contact Equifax XXXX and request my XXXX credit report which will show I have a near perfect credit score. They refused to do so and would not start a US credit history on me because I dont have a Social Security Number. I pay condo fees, electric and cable bills monthly and want a US credit report. They refuse to open a file or call XXXX and get my history to open a US file even though I advised them I have an ITIN number because I file US tax with the IRS. This appears to be discrimination and unfair. Please help me. 

I filed a previous complaint about this issue with CFPB and Equifax responded by saying they cant set up a credit history for me because I dont have a social security number. This does not resolve my problem. I want them to set up a credit history for me using my IRS ITIN number.
Product: Payday loan, title loan, or personal loan

PENFED CREDIT UNION XXXX APLICATION # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : After reviewing closely my credit and my income I found no reason to be denied for this loan I have excellent credit history and have never pay anything late, my house, my car payoff is pay off and I was denied. 
The only conclusion is that you are discrimination against me and my age. 
I WILL TAKE THIS TO THE FULL EXTEND It is impossible given my credit history to be denied and your reasoning of RATIO OF BALANCE AND OTHERS JUST NOT MAKE SENSE I WILL PLACE A COMPLAIN TO all authority that deal with your behavior. 
Consumer Financial Protection Bureau, XXXX XXXX XXXX, Federal Trade Commission, State Attorneys
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear I.C. SYSTEM, INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX XXXX Missouri XXXX  XXXX and fraud laws. 

It has unequivocally come to my attention that I.C. SYSTEM, INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri statutes specifically address the unauthorized access and misuse of personal information, which is considered a serious offense under XXXX identity theft laws. 

I assert with unwavering certainty that I have not provided consent for I.C. SYSTEM, INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX. SYSTEM, INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I.C. SYSTEM, INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX XXXX -XXXX  XXXX -XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX -XXXX  & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX XXXXXXXX -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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my checking account had {$16.00}. A purchase made for {$4.00} was made on XX/XX/XXXX, but is still pending in my account on XX/XX/XXXX. A check cleared the bank on XX/XX/XXXX for {$15.00} leaving XXXX in the checking account. However, a they charged me a overdraft fee of {$36.00} for the check. They are charging me a {$36.00} overdraft fee for a difference of {$3.00}, and the {$4.00} purchase is still pending. I made a deposit on XX/XX/XXXX that would more than cover the {$4.00} purchase that is still pending in my account. I feel this bank is violating the legal standards placed on overdrafts. As they are including pending purchases that have not cleared as well as charging fees on purchases under {$5.00}, by trying to cheat the rules put in place by the federal government. This bank is violating standards set by the federal government.
Product: Debt collection

I asked for a copy of the documents/signature/and more the lady who answered was very rude and hung up in my face.
Product: Debt collection

Medical bill received for {$1000.00} from XXXX Hospital on XXXX/XXXX/2015 for an XXXX XXXX visit on XXXX/XXXX/2015. XXXX paid in full on XXXX/XXXX/2015. Debt collecting agency Windham Professionals , Inc. contacted me on XXXX/XXXX/2015 to collect debt, despite that it was paid in full. Windham Professionals , Inc. claims that they have contacted the hospital to verify that I had paid the debt in full, but are claiming that it was n't. After contacting the Hospitals billing department, It was confirmed that my bill was paid in full with a balance of {$0.00} and that XXXX XXXX is NOT affiliated with Windham Professionals , Inc. Not only is there no debt that I owe, but they are trying to convince me I owe a {$710.00} debt. 

Attached are Bills from the hospital showing the true amount owed, listing of claims from my Health Insurance company ( XXXX ), proof of bank statement payment, bill from Windham Professionals , Inc.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.
Product: Credit reporting or other personal consumer reports

I have recently obtained a credit report, and I have several XXXX inquiries done so by someone else who has gained access to my personal information and may be trying to XXXX credit under my name, due to there amount of credit inquiries it it putting my credit score in a bind I would like the following unauthorized inquiries removed from 'Transunion XXXX the following are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter certified mail on XX/XX/2023 and requested a copy of the original contract with the original creditor with my original signature on it. I requested proof of the debt because this does not belong to me. I have never done business with the debt collection company. This is being illegally reported and if not removed I will file a civil lawsuit in the local XXXX county circuit court and require the debt collector to attend in person for a violation of the FCRA. I will also be filing a complaint with the XXXX as well as the FTC.
Product: Debt collection

Currently, as a federally protected consumer XXXX seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore XXXX  such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct XXXX  erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. XXXX  attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing XXXX  XXXX  ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Consumer Loan

I had set up an automatic draft payment from my online Chase account to have the amount of {$280.00} be deducted from my XXXX XXXX Checking account. The regular monthly loan amount is {$270.00}. I called Chase customer service the day before the payment was due, and I asked the representative if my account was setup to have an automatic payment drafted on XXXX XXXX. The representative told me that the account was not setup to do such, so I disconnected the call and proceeded to make another payment online of {$300.00}. I checked my online bank account activity to ensure Chase had taken out the amount and noticed that they had drafted my account twice. I called Chase right away and asked them why they had drafted my account twice. They apologized and advised me that they would send me a check in the amount of {$280.00}, but would take 4 to 6 weeks. I disagreed and told them no, as I needed that amount to pay other bills and I would have XXXX XXXX instead retract the payment. I then called XXXX XXXX to have them retract XXXX of the payments and the XXXX XXXX representative said okay, and advised that I would have the {$280.00} back in my account in 48 hours. Once I noticed that the money was back in my checking account, I assumed that everything was fine and the {$300.00} was applied to my auto loan. Several days later I checked my Chase auto loan account to ensure it was paid up-to-date and noticed that I was a month behind. I immediately called Chase and asked them why was my account past due, and advised me that because they had returned the payment amount. I explained to them that two payments were drafted from my account and that is why one of them was returned. The representative then agreed there was error and said that they would send it to their research division and would have someone call me. After a week or so, I did not hear anything back from Chase. I then went to XXXX XXXX to get assistance and see if they can help me correct the matter. The XXXX XXXX associate pulled up my XXXX 2015 bank statement and saw the two payments being drafted on XXXX XXXX, and only payment returned of {$280.00} on XXXX XXXX. The XXXX XXXX associate called Chase on my behalf and advised them of the error. After an hour and a half of the XXXX XXXX associate trying to explain to Chase of the error, they still did not understand. The Chase associate then asked if we could just send them my checking account bank statement to have someone review it. After a couple of weeks, I receive a letter in the mail from a XXXX XXXX from Chase, advising me that the payments were applied correctly and no related corrections are necessary. I was infuriated as they did not seem to know how to do their job, and research and help me correct the matter. As of now, I am still a month behind and Chase does not know where the {$280.00} went. What bothers me the most is that not only it has affected my credit, it has affected my uncle 's credit who co-signed for me. I have never been late and wish to have this matter corrected immediately.