23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account XXXX : XXXX, 11. Account Name : XXXX XXXX Bankruptcy Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I reached out to Sallie Mae when I saw there would be trouble paying for a few months. The agent told me the accounts could be temporally deferred until which time I could continue paying. 

All accounts are now being paid on time and I even paid fees what was described as a deferment period. Unfortunately, I now have late payments on my report preventing me from approving for a home loan. I feel like Sallie Mae tricked me to get extra fees out of me when I was having trouble financial.
Product: Debt collection

I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
XXXX XXXX XXXX has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that XXXX XXXX Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.
Product: Credit card or prepaid card

My Card was stolen while I was away, I have filed a claim with the company and it has been denied and now pending for months. I have sent over several supporting documents to the company as they requested and still havent done anything to fix the situation and havent received any updates or my money back. They have no information or feedback regarding this situation for me. Worst bank ever
Product: Mortgage

Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX EST I logged into Capitalone.com to pay off my credit card in the amount of {$2500.00} ; my payment was dueXX/XX/XXXX. Immediately after I completed the transaction on the same date and at approximately XXXX EST I called Capital One to close my account. There was an automated service for account closings but I wanted to make sure that I spoke with a person to ensure my account was closed. The represenative I spoke with said he would close the account but that I would receive a final statement for interest. I advised that the interest is always charged on the XXXX of the month and charged when there is still a balance ; I had no balance. I also advised him that I made sure that I paid the current balance, that the current balance and statement balance were the same amount and that the full payment was made before the due date and before the next statement closing. He asked me if I would like confirmation of my account closing in writing and I advised I would, however, I still have yet to receive that in the mail ; my online account is currently notated as " restricted ''. He then threatened me with not only interest but interest accuring on top of the interest I allegedly owe in addition to fees until I paid Capital One. I asked him to notate my account as I would be filing a complaint. I continued to receive e-mails, more e-mails reminding me there was an alleged payment due in the amount of {$43.00} than I ever received when I had an account open. I called today, XX/XX/XXXX at approximately XXXX XXXX EST and spoke with a supervisor named XXXX. She said she would put me on hold and look into getting the {$43.00} " waived ''. She said they could not waive the interest although it is my position they should fix their erroneous calculation. XXXX also stated that the notes indicated the represenative that I spoke with on XX/XX/XXXX offered me a payoff amount ; he did no such thing, he said I would receive a final statement for the interest and offered threats because I advised I would be disputing any amount charged and because I paid off my entire current balance and closed the account. I asked XXXX to notate further that I would be filing a complaint with the Consumer Finance Bureau.
Product: Money transfer, virtual currency, or money service

An account was illegally opened in my name and email address using my SSN. I requested that they immediately close the account and report it as fraud. 

At the very least, Chime should setup more verification steps to open an account as they merely used my email and SSN to be able to open an account which I could have ultimately been held accountable for even though I never verified my identity and a credit check was NOT done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order via the XXXX app. The items purchased were supposed to be delivered on XX/XX/XXXX, but I never received them. I then contacted XXXX 's guest relation via chat where an agent offered a refund and replacements. I refused replacement because if the original items were not being delivered in time, why would I need replacements. After not receiving my refund within the time frame given. I reached out to both Way2Go Program who handles the card services for XXXX  XXXX XXXX and XXXX. After going back and fourth with both companies, I finally received and email from XXXX guest relations stating that my refund was processed on their end that I should reach out to my bank. After contacting Way2Go, again they stated I should go ahead and file a dispute. I was given a provisional credit about XXXX weeks later. On XX/XX/XXXX, i noticed my account in a negative balance and was told it was due to a reversal of a provisional credit due to a denied dispute. I have contacted both XXXX and Way2Go program who both continue to tell me to contact the other.
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for a {$250.00} deferred minimum payment grace period on our Citi credit card ending in XXXX. 

We have not received the {$250.00} payment deferment as promised for XX/XX/2018 that is due by Monday, XX/XX/2018 per Citi Irma Relief at XXXX XXXX XXXX. 

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

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) 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
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 NUMBER : 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 : XXXX. XXXX XXXX XXXX / XXXX 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 this fraudulent account in my report and EXPERIAN 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, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged me late fees back in XX/XX/XXXX / XX/XX/XXXX for XXXX I HAVE NEVER BEEN LATE ON ANY OF MY BILLS OR BALANCES I WAS OUT OF THE COUNTRY WHEN I BELIEVED I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND CANT BELIEVE IN ALL YEARS I HAVE HAD THIS ACCOUNT NOW THEY HAVE AFFECTED MY CREDIT!
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX XXXX, XXXX, GA XXXX. 
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that the XXXX XXXX model is flawed because it does not take into account situations.
Product: Student loan

My names is XXXX XXXX. I have my student loan though Great Lakes Educational Loan Services.My id with them is GLID : XXXX This months payment was to be made last Sunday XX/XX/XXXX. When I went to make this payment that Sunday the website told me I was past due. I immediately made the payment and contacted Great Lakes today XX/XX/XXXX that although I did pay it in the right day because the payment was made on a Sunday it does not count. Great Lakes themselves gave me the due date of XX/XX/XXXX. I was told I needed to make the payment 3 days prior for the payment to processes. I voiced to them this was unfair but was told nothing can be done. Great Lakes Educational Loan Services will now report to credit agencies my missed payment, they now expect me to pay the entire XXXX balance by XX/XX/XXXX and have added XXXX in unpaid interest. For my entire history of repayment to Great Lakes Educational Loan Services I have been on time. This is unfair and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance -.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2022 and a balance of {$44000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Pleaseprovide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Reimbursement check # XXXX ( XXXX XXXX  XXXX/XXXX/XXXX XXXX Member # XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX/XXXX/XXXX - Supervisor XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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/updated. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!
Product: Mortgage

In XXXX, I purchased my home for {$170000.00}. My mortgage was sold off to various companies and I have currently been with XXXX. In XXXX I received a letter from XXXX  indicating information on XXXX  and the step to cancel early and info on automatic termination. At the time, I decided to wait for automatic termination of my PMI, because my monthly payments of {$40.00} for XXXX  was less than the appraisal price. I called XXXX  on XX/XX/XXXX to confirm that my PMI would be automatically terminated once I reached the XXXX  % mark. They confirmed this on the phone. The month after my XXXX  is supposed to be terminated, I was still being charged. I called XXXX  to ask why it was not automatically terminated. Their response, after some digging, was that my home was in an area where XXXX declared a natural disaster within the last XXXX  months and that I now need to pay a {$190.00} home evaluation to request for XXXX  to be removed. This was surprising to me because I never received any notice of this. I did my own research and discovered that there was a XXXX declared natural disaster for the county that I live in. Luckily my home was not damaged, but this natural disaster was pronounced on XX/XX/XXXX. That is well before my contact with them in XXXX, let a lone their letter that was sent to me in XXXX of XXXX. I received no information on this and how it would affect my automatic termination of my XXXX  once I reach XXXX  %. I am frustrated because if I was informed of this when it occurred in XXXX, I would of paid for the appraisal to end PMI early because my home value is now around {$60000.00} more than my original home purchase. At this time they are refusing to remove my PMI without the home evaluation for {$190.00}. 

I did my research on the Homeowners Protection Act of XXXX and I can not find any clause regarding XXXX or any stipulations when it comes to automatic termination of PMI. I have never missed a payment and I actually pay more on my principal each month. With that I have reached the 78 % mark well before the initial date of XX/XX/XXXX from my original loan documents. In addition, there is no clause on my original loan documents on this either. 

I am wondering about my rights under the XXXX and to be provided with information under the XXXX that backs PHH up in this claim if they are in fact in the right.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal has limited my account to no money being sent and received but I can transfer the remaining balance out of my account and there is a balance in my account that I want to transfer asap you guys did not restrict my account for no money transfer but I'm not able to add my card or bank account so I would like for someone to fix that for me so I can add my bank card or bank account so I can transfer the money out of my out asap ..I also will provide the email I received from paypal account review team stating that my funds are available for transfer immediately and I don't have to wait 120 days down below and also I'm going to provide the bank account and debit card that I would like to link to transfer my remaining balance ....

The current balance in your PayPal Balance account is available for immediate withdrawal. You can either withdraw your money to your bank account or request a check. Should you request a check, there is a {$1.00} fee. You won't be able to use your PayPal account to send or receive money. You also won't be able to use your PayPal Debit MasterCard for future purchases or transfers. You can still log in to check your transaction history and withdraw any money you might have in your PayPal Balance account.

Sincerely, PayPal Account Review These are the bank card and account I would like to connect to be able to transfer my remaining balance.. 
Debit card : XXXX XXXX XXXX XXXX exp : XX/XX/year> CV : XXXX Bank account : routing # XXXX Account # XXXX