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

Unfortunately in XX/XX/2016, XX/XX/2016 through XX/XX/2017, and also XX/XX/XXXX and XX/XX/2018 monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/2018.

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon.

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

I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.
Product: Bank account or service

Upon becoming a member with the naca organization my realtor was aware of homes i could afford. While viewing homes i was informed i that i was eligible for a home that was shown to me. I then proceeded to the next step which was paying the expense of all inspection cost. Which came out to be a total of {$640.00}. A break down of {$320.00} towards building inspection, {$220.00} towards plumbing inspection, and {$95.00} towards termite inspection. With such disappointed, shortly after i was informed by XXXX XXXX XXXX that i could not be approved for that home. I also inquired about receiving a refund of my membership fee of {$30.00} dollars.
Product: Money transfer, virtual currency, or money service

Dear XXXX, XXXX write in regards to the subject above against WISE PAYMENT XXXX. 

I have operated a business account with the above-mentioned company since XXXX and my account was unjustly closed without reason on XXXX XXXX, XXXX. I had no problem with this. 

However, I had a total of XXXX USD in my account when the account got deactivated by the company. I submitted an appeal via the channel provided by them. I had waited a while and demanded for my account statement when I did not receive my funds back to the account I provided. Upon viewing the account, I noticed that {$2900.00} and {$2100.00} was deducted from my account on XXXX XXXX, XXXX termed a " manual adjustment ''. The meaning of this, I do not know.

Going further, I asked that the remaining balance be sent but met with a shock that I had no money left for disbursement. I again demanded a reason. I was met yet with another shock that the balance was sent to someone as a result of a dispute. There was no information from the company to me about any dispute. There was no chance to provide any proof or " representment ''.

I have lost my entire savings to this company just like that. My business has collapsed. My family is suffering. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I need your help in getting my money back. 

They always come with USER AGREEMENT. And I just realized that they have more than one user agreement This is what I read and understood which states that the money will not be credited into my account. But this money has been in my account. Here is a paraphrase : 14. Reversals and Chargebacks 14.1 Funds added or received to your Wise Account may be subject to Reversal or chargeback. Funds added to your Wise Account could be Reversed or subject to a chargeback, which means that you will not get those funds credited to your Wise Account. A Reversal or chargeback may occur where the funds added to your Wise Account are Reversed by Wise or Reversed to or subject to a chargeback by the person paying you the money or the payment provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 credit accounts for XXXX XXXX on my report currently I disputed for accuracy. I disputed these along with several others that were fraudulently placed on my credit report by that company for accuracy. I disputed these in XX/XX/XXXX or XX/XX/XXXX and did not get a response until XX/XX/XXXX. They did not comply with the time periods to respond to my disputes, they are in violation. I have redisputed this several time for them to remove the credit completely from my report as a result of their neglect to respond to my dispute within the legal time allowed by Law.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding handling my disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Dispute using Zelle numerous times and reporting.
Product: Debt collection

I am writing to formally dispute the garnishment of my wages by XXXX XXXX XXXX XXXX, which I believe to be a violation of my consumer rights. I request that this garnishment be investigated and if found to be in violation of the law, that it be lifted immediately. 
Under federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Credit Protection Act ( CCPA ), regulations protect consumers from unfair and illegal garnishment practices. I believe that Credit Acceptance has violated one or more of these regulations in their efforts to garnish my wages. 
The following are the specific concerns that I would like to bring to your attention : XXXX. Improper notice : The FDCPA requires that a creditor provide written notice to the debtor before initiating a garnishment action. I have not received any such notice from Credit Acceptance, informing me of the intent to garnish my wages. 
XXXX. Excessive garnishment : The CCPA limits the amount that can be garnished from an individual 's wages. In my case, Credit Acceptance has garnished more than the maximum percentage allowed by law, causing me and my family undue financial hardship. 
XXXX. Invalid debt : I dispute the validity of the debt that Credit Acceptance claims I owe. I have requested validation of this debt on multiple occasions, as is my right under the FDCPA, but have yet to receive any evidence to substantiate their claim. 

XXXX. Violation of state laws : I believe that Credit Acceptance may have also violated state laws governing garnishment actions. I kindly request that you investigate these potential violations as well. 
In light of these concerns, I respectfully request that the court review
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian, XXXX  and XXXX  for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.
Product: Checking or savings account

Checking account with XXXX XXXX Wells Fargo XXXX XXXX bank XXXXXXXX XXXXl. XXXX XXXX I never open a account with these bank as I was placed in XXXX and fraudulent account set up online XXXX has fraudulent place block when I never sent money Thur these banks with my knowledge I would like to taken out of XXXX and any other services deny banking
Product: Bank account or service

I own a Roofing company & I 've been working in the XXXX XXXX Michigan area this summer & i have XXXX me into this same Chase Bank location on XXXX XXXX after receiving checks from my clients. Each time I come in, I get XXXX, a banking representative there who each & everytime has been unruly, extremely uncooperative immediately & unwilling to resolve any matters I have requested such as cashing of a check. I 've never been so offended by any banking official & i deal with banks daily for over 30 years. I 've never had a problem cashing a check anywhere like I have with XXXX and been spoken to so extremely rudely as I have been by XXXX at this location.
Product: Vehicle loan or lease

I purchased. vehicle from a used dealership in XXXXXXXX XXXX in XXXX and with contract details stating I must repay the delaership for the loan amounts. Santander Consumer USA however states that payments should be made to them but they are not listed anywhere within contract. I contacted Santander consumer USA and they insist that the contract is valid although they are not listed anywhere on it. I requested a copy of the contract the bank has in their possession and they ate not listed on that version either.
Product: Consumer Loan

I recently just got my first auto loan from my lender Santander and when trying to make a payment I noticed that there is a convenience fee of XXXX using either my bank account or a credit/debit card. It seems the only way I can avoid such a fee is by mailing a payment in or setting up automatic bill pay which I am not able to do because of my payment schedule. I also live in the state of Florida in which I believe such fees are illegal as per statue XXXX
Product: Debt collection

While reviewing my credit report on XXXX report # XXXX I noticed an account which populated to my credit file which is currently reporting an incorrect address and name on my credit file. When i contacted ALLIED COLLECTION SERVICE and spoke to XXXX on XX/XX/year>, I was informed that my identity could not be found. Through further investigation of providing my last name and current address XXXX informed me that the account was attached to a different individual which had mix file information. XXXX informed me she had removed my social security number from the account which would remove the information from my credit file. XXXX also informed me that she could visibly see the dispute that was received from XXXX and could not process the dispute until after 60 days. XXXX informed me that there was not a confirmation for the call but was to ensure that the information was updated and removed off my credit file immediately. I am still showing this account for ALLIED COLLECTION SERVIC/ XXXX on partial account # XXXX. I have filed a FTC report informing the FTC that my identity has been compromised and that this account has been open fraudulently with my social security number. Please review and verify that this account does not belong to XXXX XXXX.
Product: Vehicle loan or lease

Ive was having trouble making payments due to a hardship I was going through in XXXX of 2018! I contacted them to make a goodwill adjustment but I was not responded to!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS Dear Sir/Madam , I am writing to bring to your attention a matter regarding a recent credit application I submitted to Goldman Sachs. Pursuant to the provisions outlined in 15 U.S. Code 1691, it has come to my attention that my application was denied despite my having exercised my rights under this chapter in good faith. 

Specifically, the law prohibits creditors from discriminating against any applicant in any aspect of a credit transaction based on the applicant 's exercise of rights under the law. Despite my genuine and lawful application, I received an adverse action, which is defined under the law as a refusal to grant credit in substantially the amount or on substantially the terms requested.

I believe that Goldman Sachs may have inadvertently overlooked my rights under the law, and I am writing to give you the opportunity to rectify this situation before further escalation is considered necessary. I trust that Goldman Sachs values compliance with federal regulations and aims to remedy any inadvertent oversights promptly. 

I am hopeful that by bringing this matter to your attention, we can resolve it amicably and ensure that my application is reconsidered in accordance with the law. Please feel free to contact me at the email address to discuss this matter further or to provide any clarification you may require.

Thank you for your attention to this important matter. I look forward to your prompt response. 

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

On XXXX XXXX, XXXX I submitted correspondence to Discover Card because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Discover Card on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT BELONG TO ME! FRAUDULENT ACCOUNTS XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$0.00}. 
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 I certify and declare this information to be correct and true. I understand that knowingly making any false statements in this identity theft affidavit may subject me to the penalties of purjury. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is over 120 days and should be removed from my credit report because based on the fair credit report agency anything over 30 days or 45 days is noncompliant and must be removed from my credit report
Product: Credit reporting or other personal consumer reports

Looking through my credit report I came across quite a few hard inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My credit shows a charge off for a XXXX mortgage back in XX/XX/XXXX which was service for XXXX XXXX XXXX by Greentree financial. Recently, Greentree sold out to Ditech. Ditech is now reporting me as late on a charged off from XX/XX/XXXX. I have a waiver and pay {$350.00} a month to an attorney. If I was hit for this being a charge off in XX/XX/XXXX and my credit reflects a closed account, how can I get Ditech to stop reporting this on my credit with today 's date, reflecting late payments? Credit wise, I was penalized for this in XX/XX/XXXX and years later, and am damaged with it reflecting as a charge off. I was separated from my husband who would not leave the home, and the home was in my name. I am accountabIe for the action. While in pre-foreclosure proceedings, we sold the house XXXX different times, but the servicing agency would not forward the sale info to XXXX XXXX XXXX and declined the proposed sale and settlement value. They then sold the house, and reported it as charged off on my credit. I will attach the credit report that is recently destroying my otherwise perfect credit now and for the last XXXX years while on my own, and the waiver that was worked outside this issue between Greentree and my attorney. Please help me to get this either reflected as charged off and done, or as an open account with a perfect payment history since the waiver agreement in XX/XX/XXXX. Thanks so much!
Product: Mortgage

1. Told XXXX servicer loan XXXX of financial hardship due to the COVID-19 emergency and are requesting a forbearance. 
The CARES Act grants the right to forbearance by submitting a request, it was on XX/XX/2021. 
2. XXXX XXXX sold to XXXX new servicer Rushmore XXXX XXXX. Loan # XXXX. Rushmore service ignored documentation sent over by XXXX XXXX ignored documents of XXXX XXXX as trustee executor. Ignored Cares Act and propagated false default. Would not speak to XXXX XXXX did not accept faxes letters of trustee nor XXXX and Care Act documents. Trapped this mortgage into a situation that could not be cured due to their reluctance to talk to XXXX as the trustee and look at the proper documents. 
Uncooperative did not designate fact and downright predatory in subjugating Miss XXXX no processing time before sending a default letter the first week of XXXX when supposedly there is a change of servicing and mortgage holder is allowed 90 days for processing unbelievable.