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

I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from XXXXXXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX and Experian ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX XX/XX/XXXX Personal Information Update Equifax ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately XXXX XXXX XXXX XXXX XXXX XXXX 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 understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience. 

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

1. ) BACK IN XX/XX/XXXX WHEN I STARTED MY FIRST PAYMENTS WITH CROSS COUNTRY MORTGAGE I BEGAN ADVANCE PAYING AHEAD 3-4 MONTHS AND MY MONTHLY STATEMENTS NEVER REFLECTED THOSE PAYMENTS. I CALLED TWO MONTHS IN A ROW AND SENT A CERT LETTER COMPLAING ABOUT NOT HAVING PROPER ACCOUNTING. THEN FINALLY GET THE STATEMENT dated XX/XX/XXXXSHOWING THE CORRECTIONS for advanced payments thru XX/XX/XXXX., BUT NOW RECEIVED A LETTER DATED XX/XX/XXXX SAYING THEY NEED AN ADDITIONAL 15 DAyS TO RESOLVE THESE ISSUES. they just demonstrate they dont know what they are doing 2. ) THEN ON XX/XX/XXXX I GET NOTICE THAT BECAUSE OF THE SIGNIFICANT INCREASE IN MY HOME OWNERS INS. THE ARE REQUIRING AN ESCROW INCREASING MY MO.MORTGAGE FROM {$2500.00} TO $ XXXX..COMPLETELY IGORING MY CONTRCT SPECIFIES NO ESCROW FOR TAXES OR INS...

THEIR PROJECTION FOR MY INS. INCREASE IS EVEN FALSE, SHOWING COST TO GO FROM {$2000.00} TO {$2600.00}. THE FACT IS MY INS WENT DOWN TO XXXX.. EITHER THIS MORTGAGE CO IS TOTLLY INEPT OR THEY ARE UNEHICAL..
Product: Mortgage

XX/XX/XXXX we refinanced our home with beneficial hfc for XXXX since then they have paid 4 years of lender advanced taxes since XXXX, because we were unable to take care of them. they have something they have tacked on claiming they have deferred interest? I do not know what that is? we are trying to refinance with another mortgage company and they have our payoff balance at XXXX we are not paying out the mortgage what can you help me with?? our mortgage is underwater somehow. How can I get some help in this. thank you XXXX XXXX texas XXXX XXXX XXXX please help their address is beneficial XXXX florida XXXX XXXX
Product: Checking or savings account

I opened a checking and a saving account with Citi back to XX/XX/2018 in order to participate in the Second Quarter Checking account promotion. The term is to deposit XXXX dollars in the account for 90days and get XXXX dollar bonus. I've done everything as the term and condition stated and still not receive anything from CITI. Receive a letter from Citi in XX/XX/2018 saying I need to submit a XXXX tax form. I filled it out and sent it back to Citi on XX/XX/2018. I check my account today and still nothing. And I called citi agaaaaaain. A supervisor told me my form was rejected due to the permanent address is US address. I need to submit a supplement form to explain why a US address is valid which is ridiculous. I have legal status in the US and I live here now. The only thing is that I am not a US citizen. So I asked her if I have a Social security number, do I still need to submit this form. She said she is not sure and need to check. I waited in line for 30 mins and she just hangs up the call. It's been 8 months from the date I open the account with CITI. Still NOTHING. I have called for at least 20 times and provided everything you need. But Citi is always trying to ask for a new thing every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ITEMS resulting from alleged identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX, Equifax, and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$0.00}, U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX, and XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Vehicle loan or lease

Bank Of America has committed fraud against me in regards to my vehicle. The regulatory complaints department reaches out via email, yet every time I contact them I can never speak to the person who is supposedly dealing with this issue. This is the second point of contact to reach out from that department but I never get this matter rectified. I have sent out several affidavits and other correspondence to Bank of America via certified mail, secured email provided by them, phone calls and this issue has yet to be handled. I asked for documents regarding the vehicle loan. Under TILA Regulations they are to provide a consumer with documentary evidence of being the obligate party to collect on the alleged bet of the loan. Once I figured out the were committing fraud and challenged the in accordance with the regulatory laws they discharged the loan as I was requesting and which regulatory law requires them to do if they could not provide the documents in which I requested. Now Im having a issue with them providing the title to my vehicle. I followed every regulatory guide line and Bank Of America refused to provide the documents. They stated they were above these laws and that they considered the laws to have no merit. I have spoken to several employees who have claimed to be high level employees in the company yet they can never be reached again when I submit my complaints to them. I will just move forward with a federal lawsuit and take this matter to court. I have given Bank Of America more than enough time to rectify this matter and the have refused to do so.
Product: Debt collection

For more than XXXX years, XXXX XXXX and its subsidiary, Portfolio Recovery Associates, have tried to wrongfully and unlawfully collect a number of alleged third-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and Portfolio Recovery Associates have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and Portfolio Recovery Associates have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged XXXX account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked and requested Experian repeatedly to remove these addresses that I have never seen before from my credit report and they will not comply. Isn't that against the law? I want to report them on record for not removing these unidentified addresses. I beleive someone is committing fraud and I want them removed immediately! 

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

Disputed inaccurate account info with all three credit agency 's and they did not comply with disputes and did not remove accounts from credit report during disputes for inaccuracy 's. They did not provide appropriate documents for the dispute results or provide original documents with original debtor reports verifying my info or that I authorized my info to be published or sold to third parties or was responsible for said debts. They have violated my rights under the fair credit act to accurately display my info. 

The accounts in question are : Account name XXXX Account number XXXX Account name XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

On XX/XX/18 Chase notified me that they were closing all my credit cards that I had with them. 

Chase fraudulently informed me that this was due to " our affiliate ending it's banking relationship with you ''. I do not have, nor have had a chase bank account in nearly 20 years. 

Additionally at least one account ( my freedom card ending in XXXX for example ) was opened prior to chase taking over the credit card account and at no point did I agree to the terms of the card, specifically those governing the closure of the account without forewarning and arbitrarily - therefore I am not bound by those terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, Experian and XXXX explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and XXXX XXXX XXXX  The following accounts that are reporting inaccurately on my Experian report are : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate accounts reporting on my XXXX report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX  Account Number:XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a 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: Mortgage

I submitted an application for a mortgage refinance loan with Quicken Loans on XXXX XXXX. The terms of the loan were conventional loan with LPMI, no appraisal required and the rate was 4.125 %. I submitted all the required documents and the loan processing started. On XXXX XXXX I received an approval letter from Quicken Loans confirming that I had been approved. During this time I contacted a few other financial institutions to shop around a bit because the fees that I was being charged from Quicken Loans seemed a bit exorbitant. XXXX lender referred to the Quicken Loans loan estimate as predatory lending. I did not feel comfortable with this information and on XXXX XXXX I contacted Quicken Loans to request that my mortgage application be withdrawn effective immediately. On XXXX XXXX, a lady named XXXX from the Quicken Loans Executive office contacted me to ask me why I was withdrawing my application and to determine if there was a way they could keep my business. I informed her that I was moving forward with another lender and then I asked her to confirm that the loan application has been cancelled, which she did and she said I would receive a letter confirming this in the mail. On XXXX XXXX, I received the letter but the reason listed in the letter was incorrect. The letter was worded that they could not offer me a loan because of my 'unique ' financial situation. This was really upsetting as I 've never been declined by a financial institution in my life. I immediately contacted them to have this information corrected. XXXX XXXX called me on XXXX XXXX and apologized for the letter and stated that by law they are required to send out a letter when the loan process does not complete. I told him that the letter should state the real reason, not a made up one. He agreed to send me an updated letter stating that the reason was that the customer had withdrawn the application. I received a letter from him via email but the letter did not have any information referencing the loan number or his signature. I responded to him on XXXX XXXX to let him know that the letter was not acceptable and his coworker XXXX XXXX ( he was out of office ) informed me that they could not change the letter. I do not feel comfortable with a letter with made up information on it. Quicken Loans needs to correct this. They said it 's not a big deal but the fact that they are fabricating information about my withdrawn loan application is a big deal for me. It seems malicious and like they are retaliating against me for withdrawing my application.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account XXXX : XXXX
Product: Checking or savings account

I got received a sba loan to my checking account, and after two weeks they hold my bank account, I tried to solve with them a lot of times but it wasnt, and they closed my account and didnt return my remaining balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX, Transunion, and XXXX I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus
Product: Mortgage

Approved for XXXXomeowners Assistance Fund in XXXX. Payments from program stated to be sent in individual checks for the month of XXXX, around XXXX, and XXXX around XXXX. Both checks would have been for {$2300.00} individually. HAF has definitely sent the funds and XXXX has not applied them to my account