23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted XXXX times to get a Paid Off letter. The first being with a young woman who was freinedly and stated no problem as this letter is rerquested from XXXX XXXX to close on a new home. This being around XX/XX/year>. When This did not happen I called again to request it only to get a person pretending to be XXXX . I know it all and a XXXX at that! So, I asked for his Supervisor and I am positive I was sent to some kind of Team Lead or his buddy and not a Supervisor as he too was a XXXX  and an XXXX and both these guys refused to give me any kind of PAID Off Letter. The last so called supervisor stating I asked for a PAY-OFF letter on by previous call which is a blatant Lie as I already received this PAY OFF LETTER QUOTE. I paid Carrington Mortgage in full on XX/XX/year>. The Team Lead XXXX  stated the Woman missunderstood me for a Payoff Letter Quote, That is a lie! Then goes on to tell me it takes them 16 to 20 days to send a letter out after Funds are recieved. I said you don't have to send a letter you can email it to me today. Then he changes his wording to " They must have 16 to 20 days to process a request ''. So, I say Okay. 
Now remember, Carrington XXXX  just said they need 16-20 days before they can give it to me. It has been at least 16 days. They are just being XXXX  as my other complaints thru the CFPB explain. So, I call XXXX XXXX and they tell me okay we won " t play their games a use a Digital Three way Party company to settle this on the Phone. I got the nice lady that I got the first time once again. She stated she would need to transfer me to the Paid Off Section and she did. The woman who answered the phone XXXX  and complete sounded XXXX  all the way thru questioning. one question was when did you get your paid off Monies and she said XXXX. I was shocked as they continued to evade this when I asked this question when their was no third party on the Line.They could not hide their XXXX attitude this time. The Person calling from the Company used by XXXX XXXX was asking all the right questions and you can tell this was XXXX this woman off. He asked one last question and she was being a XXXX about that question. He excepted this as I wish he did not put up with this last answer from here on the 3-way call but I am sure his company recording Carrington Mortgage and that woman who refused to comply because they lost a Customer and because that customer has made Several previous complaints about them. I'm positive XXXX XXXX has the Companies name that maid the 3 party call and that company keeps a copy of that call since that Company pretty mush thats all they do. I also have the names of the persons I spoke with but must search as I have moved, as you can see by this Mortgage issue but I have those names Somewhere of the two XXXX XXXX from Carrington Mortgage.
Product: Checking or savings account

At leasttwice a month I'm being charged overdraft fees for XXXX that did not overdraft my acct
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.
Product: Credit card

Examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, XXXX, Experian, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to FTC ( XXXX ) that a XXXX XXXX reported negative on credit bureaus. XXXX XXXX has removed the negative XXXX XXXX from there system. I was informed when I called that the FTC sends to the mail room and sometimes the CFPB gets it and sometimes not. 

Attached you will find the letter I send to you on XX/XX/2021.
Product: Checking or savings account

A couple months ago, I used to bank with Bank of America. I liked banking with them because my work checks are with Bank of America. but I had a family emergency in another country where I had to fly out and with in that I lost my debit card within that process. And I guess they closed it due to fraud or something like that. I was told I could never reopen with them until XXXX years, I called to find out why and all they said was that it shows something about business decision and that I can not open a new account. No reason was specified on why it was closed all they said is I cant bank with them anymore.
Product: Student loan

My loans were approved for {$300.00} on the XXXX repayment plan upon consolidation in XXXX of 2023. With repayment approaching, I got a notice from MOHELA in XXXX that my payment amount was going to be {$500.00}. I called MOHELA who verbally took an application to fix it, and quoted me {$300.00}. On XX/XX/2023 I noticed on my MOHELA account that the form was listed as " denied '' I tried calling them but the wait time was over three hours. I called again on XX/XX/XXXX and they submitted a request to look into it, and told me they were placing a forbearance to cover the {$500.00} for this month since it was their error. I then got a letter stating it was denied for not meeting income requirements though I've confirmed on several levels that I do. I called again on XX/XX/XXXX but once again, after waiting two hours I could no longer wait. I called again today and spoke with someone who told me my request was pending but could not provide any information confirming why it was denied in the first place, other than reading the denial reason that was sent to me as " you do not meet the income requirements '' even though I do. She could not provide me any confidence that it would actually be approved or fixed this time. My forbearance still wasn't applied either so it is still showing due for {$500.00} which I can not afford. I will be missing this months payment due to their error. I asked to speak with a supervisor but after waiting an additional two hours, for a total of 3, I once again had to go.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.
Product: Debt collection

While I was in XXXX my was friend took my card and ran my credit limit to the max. I was on XXXX from XX/XX/XXXX to XX/XX/XXXX. You will see charges on that credit card during that period while I was in XXXX.
Product: Vehicle loan or lease

Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help.

They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. 
Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. 
Thanks you so much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company FEDLOAN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
I demand the late payments to be removed off of these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Mortgage

In  XXXX   XXXX , we began the short sale process an behalf of our clients,  XXXX  and  XXXX   XXXX . At the end of  XXXX , we were advised that while the  2nd l ien remained with  XXXX , the first lien had been transferred to  SPS fo r servicing. The short sale package was then duplicated  to SPS  on  XXXX   XXXX ,  XXXX . Since then , SPS  has done nothing but drag its feet in the processing of the short sale application, nit-picking documents claiming certain information was missing when it was indeed on the documents and then claiming not to have certain documents which we would then walk them through the package by page # to prove that the document was indeed in their possession. Since then, we have been told that we had a complete package and decisioning would take place within 21 days  (  from  XXXX   XXXX ,  XXXX  ) only to be told on  XXXX   XXXX  they might want a change in the amount to the  2nd l ien. When following up on  XXXX   XXXX , we were then told to significantly reduce the amount to the  2nd  lien whereas we already had approval from that lien holder for the short sale. We then revised and submitted updated HUD to the first and went back to th e 2nd fo r reapproval. We obtained new approval letter from the  2nd and submitted th at, along with the further revised HUD  to SPS. Due to SPS drag ging out the process, I requested that title audit the approval from  the 2nd  and had to make a minor change to the HUD. I have advised SPS that the buyer is getting an xious and that the buyer 's agent is going in for  XXXX  on the  XXXX  of this month and her ability to perform inspections with her client will be very limited. There is no reason for the process to have taken ov er six mont hs time and still not have a decision.
Product: Credit card

Promotional offer through capital one offers. 
Merchant ; XXXX promotional offer of XXXX miles with purchase of pro plan, XXXX XXXX monthly cost. Made purchase through the proper link on XXXX the purchase tracked through the capital one offers site. The miles were deposited into my account on XXXX, and then the miles were rescinded a few hours later on XXXX. Called capital one, and they said the merchant reported I did not meet the terms. But the terms listen in the offer were A purchase of a pro plan I have purchased the pro plan, and have credit card statement showing the transaction of {$59.00}. And my plan is still currently active. So either capital one is misrepresenting their offers to customers, which I would assume is a violation of consumer laws. Or XXXX isnt providing the full terms and denying the offers, even after people made a purchase of their product. Capital one did offer a statement credit for the inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had my mortgage for 15 years. It was sold to this company. They have increased my late fee from {$10.00} to {$27.00}. They sent me a copy of my contract with out any initials or signatures on the pages that reference the late fee with a late fee of {$18.00}. I have requested all the loan documents since the ones that were sent to me appear altered and I am positive of what my late payment fee was. In the history of the account the gave me there were 2 late fees with the prior servicer for {$10.00}. I have tried to get this corrected to no avail. It appears as if someone has doctored my paperwork. The first representative I spoke with said the late fee was {$27.00}, I think he said it was a 5 % late fee and that he had my initials on a contract beside it. The next representative that I spoke with said that my late fee was {$18.00}. I know that my late fee was {$10.00} but I do not have my original contract.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed XXXX XXXX is reporting XXXX accounts which I don't recall ever having an account with this company and request to have this remove for my report, XXXX account shows paid closed on XX/XX/year> and the account is showing closed/never late balance of {$190.00}, It's just very confusing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Chex Systems Inc. for their unauthorized acquisition and sharing of my personal information, which is in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. As a consumer reporting agency, Chex Systems must comply with these legal provisions, and I request the CFPB 's assistance in investigating and rectifying these violations. 

My concerns regarding Chex Systems ' violations of consumer protection laws are based on the following : Unauthorized Acquisition of Personal Information ( Section 604 of the FCRA ) : Chex Systems has obtained my information without a permissible purpose, which constitutes a violation of Section 604 of the FCRA. 
Unauthorized Sharing of Personal Information ( Section 604 ( a ) ( 3 ) ( A ) of the FCRA ) : Chex Systems has shared my credit report with an employer or another entity without my written consent, which constitutes a violation of Section 604 ( a ) ( 3 ) ( A ) of the FCRA.

Charging Banks for Personal Information ( Section 612 ( f ) ( 1 ) ( A ) of the FCRA ) : Chex Systems has charged banks for my personal information without adhering to the restrictions outlined in the FCRA, which constitutes a violation of Section 612 ( f ) ( 1 ) ( A ) of the FCRA. 
Privacy Protection ( Section 609 ( c ) of the FCRA ) : Chex Systems has failed to protect my sensitive information, such as social security numbers or dates of birth, when sharing it with another business, which constitutes a violation of Section 609 ( c ) of the FCRA. 
I have attempted to resolve these issues with Chex Systems directly by sending a formal written complaint. However, I have not received a satisfactory response, and the unauthorized acquisition and sharing of my personal information persist. 

The following actions are requested to rectify these violations : Investigate Chex Systems Inc. for non-compliance with the FCRA and other consumer protection laws. 
Ensure Chex Systems ceases the unauthorized acquisition and sharing of my personal information. 
Direct Chex Systems to remove any unauthorized or inaccurate information from my Chex Systems report. 
Require Chex Systems to provide me with a free copy of my consumer report, as per my entitlement under Section 612 ( a ) of the FCRA. 
I trust that the CFPB will take appropriate action to protect my rights under the FCRA and other applicable consumer protection laws. Please keep me informed about the progress and outcome of your investigation. 

Thank you for your attention to this matter. If you require any additional information, please do not hesitate to contact me. 

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

On XX/XX/XXXX Bank of America went into my account and took XXXX out of my corporate account XXXX XXXX XXXX XXXX XXXX. The last time we spoke was in XX/XX/XXXX. I explained to them that my income had decreased by 50 %. The president had broken all trading agreements with XXXX, New Mexico, and XXXX. As a result, the trucking was hit hard. I was struggling just to pay bills of necessity. Then, the pandemic shut everything down. I was off from XXXX through XXXX. During this time, I noticed the balance was XXXX. They had charged it off. I started back working in XXXX. I was way behind on my mortgage and in trying to maintain a truck that had been sitting for over 6 months. I began working diligently on trying to catch up on my mortgage, truck and trailer repairs. I began to save money for tires on the truck and trailer because everytime I would travel, I would have to pay road cost for flats which drastically affected cost. As I was able to stack a few dollars for this purpose, they went into my account and took XXXX. Can you please help me? I thought that the federal Gov. placed a moratorium on these types of practices during this pandemic.
Product: Credit card

I XXXX XXXX Had a Credit Card with Midland Management. I had Purchased Credit Protection. in XXXX of XXXX  I fell Ill and Was XXXX XXXX times with XXXX XXXX XXXX XXXX Unfortunately I was XXXX  and unable to speak with any all my creditors at the time. My wife XXXX XXXX was handling these calls the credit card company would not speak with her or apply he credit insurance to the payments that i had purchased as a security, in both my credit interest and the companys. she had stated this with Midland Management. THey have used Abusive tactics unfair credit reporting and are entirely unethical. I beg you to look into this company so I may have my account rectified. 

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

I am a natural person. I am a human being. I have rights under 15 USC 1681. Equifax is it given by 15 USC 1681 and they violated my rights numerous of times. I demand accounts below to be removed because according to 15 USC 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX