23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Village capital is denying us a decrease in interest rate under SCRA. We are in the state of XXXX and my husband is XXXX XXXX so he is entitled to the interest rate reduction. The company is refusing to call us via phone and will only communicate through email. We have provided all of the appropriate information and they just refuse to comply with the benefits he is entitled to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 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: Money transfers

On XXXX/XXXX/15 I initiated a money transfer via Western Union at XXXX store # XXXX to my bank which is out of state. I needed the cash there for payment of bills, and usual household expenses. 

On XXXX/XXXX/15 I received a text message from Western Union stating the deposit was delivered to my bank. 

On XXXX/XXXX/15 I called my bank, XXXX Bank, who stated they did not have any record of a deposit in the amount I sent. 

XXXX/XXXX/15 I called Western union. In a recorded phone conversation, I was told that the money was rejected by my bank, as they do not accept western union transfers and I could return to the agent immediately to pick up my cash. 

Arrived at the agent location and western union denied my refund stating it was delivered to XXXX Bank. 

I called XXXX Bank again. The money is still not showing in my account. 

At this point, I have lost {$1000.00}. I have receipt to prove the money was given to the teller, and neither XXXX or Western Union will account for the location of my money.
Product: Student loan

XXXX XXXX  disclosed personal information without my consent to the credit agency 's. 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. ss 1232g : 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all the schools that receive funds under an applicable program of the U.S. Department of Education. 
It does say they can disclose " directory '' information such as name, address, telephone number, date and place of birth honors and awards and dates of attendance. However schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school Not to disclose directory information about them. 
Schools must notify parents and eligible students annually of their rights under FERPA. 
I was never notified of this information
Product: Credit card or prepaid card

Dear Officer, My Chase Business Visa account was for over 10 years in excellent standing, without late payments and always paid in full. Recently I become a victim of investment fraud and on my XXXX XXXX card was accumulated significant debt. As the result, I necessitated filing a bankruptcy on XX/XX/2018. Again, on a moment of filing bankruptcy, my Chase account was completely paid off. After filing bankruptcy all my credit cards accounts were closed, including Chase business account. On this business card was accumulated {$150.00} of cash back rewards money and I promptly contacted Chase and ask to transfer this money to my checking account. My request was denied. Chase representative told that my cash back money becomes forfeited due to my bankruptcy according to credit card terms and conditions. I understand this policy if a card has debt. Hoverer, again, my card was paid off and Chase did not lose its money because of my bankruptcy. However, Chase took mine money instead! I see that Chase policy if it blindly and straightforward applies, discriminates accounts in good standing prior bankruptcy like it has happened in my case. 
I disagree with Chase decision and request to refund my cashback bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit card or prepaid card

XXXX is not correcting inaccurate information on my statements. A supervisor previously acknowledged there was an issue, but they now they deny there is a problem. I entered the information provided in statements in a spread sheet. It is attached. Notice that the amount I am supposed to pay each month for easy payment promotional purchases is not the actual amount applied to each item. I have been making at least the minimum payments every month. I can not balance my account until the issue is corrected.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/XXXX I reached out to BSI Financial to ask how I can go about requesting PMI discharge on my mortgage. I spoke with a rep on XX/XX/XXXX at XXXX and asked if it was possible and if there was any specifics I needed. She escalated within the corporation and they indicated yes I could request discharge, that I would just need to get my own appraisal and submit via email. There were no other conditions. I then again called XX/XX/XXXX at XXXX and spoke with someone else asking again if there were any specific conditions I needed to meet to discharge PMI and if they had a specific appraisal form, after speaking with an appraiser. They again confirmed there was no specific form and no additional requirements. Submitted appraisal on XX/XX/XXXX. Spoke with someone XX/XX/XXXX and said it was still in review. On XXXX we received a letter saying it was rejected because we hadn't owned the home for atleast 2 years. NEVER was this information told to me and you can not find their requirements anywhere online, nor was I provided this information before the appraisal when I asked multiple reps. Obviously I wouldn't have gotten an appraisal and wasted {$400.00} if that was the case. I want my appraisal money reimbursed. I submitted an appeal to this on XX/XX/XXXX and never got a response. My husband reached out within the last 3 months and asked again, and they said we didn't qualify for discharge because of the 2 years. 
Our equity is well above 20 % and PMI should be discharged. They also indicated they haven't received evidence the value of property has not declined below original value which is completely false. I asked numerous times for requirements to discharge PMI and they knew how long I owned the home for because they hold the mortgage. My mortgage was started in XX/XX/XXXX and then was sold to BSI financial. It's not like I could choose who bought my loan immediately after we closed. I do not want to pay another {$400.00} for a new appraisal now when I would have waited to begin with. I want either my {$400.00} reimbursed or my PMI discharged with a credit for the amount paid between my submission and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX acct # XXXX, XX/XX/XXXX Acct # XXXX, XX/XX/XXXX acct # XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX acct # XXXX. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

In XXXX I leased to own a XXXX Mercedes Benz after getting into the lease I later found out that I was soon to be having a child and wasnt going to be able to afford the payments and properly financially provide for my family expenses monthly childcare, rent, insurance, food, clothing unexpected expenses etc. I went to the dealership and voluntarily surrendered the vehicle at that time the sales representative made attempts to put me in another vehicle but unfortunately there wasnt anything they could do considering the budget that I had and income I was earning at the current time. The vehicle was later sold by XXXX in XXXX and was and still is showing on my credit report hindering me from purchasing a home and several other things. In XXXX I reached out to XXXX and made an attempt to rectify the matter and have it removed from my credit report. They told me that I owed XXXX and would have to pay that amount in order to resolve the matter. I offered paying them $ XXXX {$3000.00} to resolve the matter and have it removed from my credit report they then told me the amount I owed was non negotiable that the least they do for me is put me on a 17 month payment plan to payout XXXX with payments of {$680.00} I feel like the process is very unfair and unrealistic. I voluntarily surrendered the vehicle in immaculate condition as Id only had the car about 6-8 months with no missed payments low mileage and was honest about my situation. When I entered the lease I was so excited about the purchase and was confident I could afford the vehicle note I honestly didnt look into any of the fine print as to terms and agreements as I was certain it was within my budget and I would finish the lease but with a newborn child coming I knew that would absorb a huge bulk of my income so I did what I felt was the only responsible thing to do.
Product: Mortgage

we have a mortgage with PNC Bank, which is the only loan on our single family, primary residence home. We simply want them to send us monthly statements on this loan. Let me give you some background on this loan. when we took the loan out in XXXX, it was originally with National City Bank, and it was a 20 year, fixed rate second mortgage. In XXXX, we did file bankruptcy and we did not re affirm the loan at that time, but we were never late or missed a payment. When PNC took over National City Bank, they did reach out and offer us a loan modification, which we took them up on, and as part of the loan modifiaction agreement was we had to re affirm the loa, which we had no problem with. 
The issue we are currently having is that theywill not send us out a mothly statement as required by federal regulations.
Product: Prepaid card

Claim # XXXX Online claim dispute XXXX, XXXX  XXXXXXXX  {$400.00} CONSUMER/CARDHOLDER has reached out to BOA multiple times. All I received in the end was empty updates. Card issuer has failed in upholding its Bank Account XXXX Liability Policy. Although never falling behind on monthly statements ( see Attachment ). Federal law due process investigation deadlines have long exhausted. Please credit claim back into the account. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have called transunion, XXXX, experian about mis information and unauthorized reporting done to my reports. I would like all collections and inquiries removed from my credit report. I have gave no consent or authorization for this information to be reported in my credit reports.
Product: Debt collection

A debt with an account that I have never created is reporting as a debt collection to my credit report.
Product: Bank account or service

my payroll check has cleared ( my job 's bank XXXX XXXX XXXX ) but my bank Huntington has my funds on hold it was deposited XXXX/XXXX/16. Is this legal?
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number XXXX # 2 ) XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number XXXX # 3 ) XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number 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 Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or XXXX to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to XXXX and proof of my title.
Product: Credit reporting or other personal consumer reports

Bank of America has destroyed my credit and my reputation by reporting this false info please provide proof the payment was late and please provide a detailed account statement.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL reported an inquiry on my consumer report without fully disclosing such information would be reported upon my initial communication. They also failed to provide me with an option to opt out of sharing my information.
Product: Student loan

While I was trying to get on an income based repayment plan for my private loans, I had asked the customer service rep I was on the phone with if I could call them right back to check my payment amount on my federal side so I could comfortably make both payments. The rep said yes, but in the short 20 mins that I left the phone with the private lain side to speak to the federal side, the Rep contacted my co-signer, my elderly grandfather on a fixed income, and told him that because I could n't pay the full amount he was responsible for paying my loans. They told me because they had looked up my grandfather 's income, I was no longer eligible for a repayment plan and that my private loans are now completely my grandfathers responsibilty, regardless of his fixed income, age and health issues. When my grandfather told them he could n't pay the full amount and that I would have to be on the repayment plan, they immediately put a bad mark on his excellent credit score and brought his credit score down.