23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please look at these charts, bank statements, return letters. You will see that we paid every month and Guaranteed rate just sent us back XXXX XXXX payment. The number of mistakes that have been made regarding our account is unbelievable. 

I have enclosed a mortgage chart that I believe will be very helpful. Please read in detail. I have also provided documentation to support this chart including : bank statements, and letters from guaranteed rate mortgage. 

I believe you will see Guaranteed Rate/XXXX incorrectly distributed my mortgage payments in the following ways : 1. In XXXX when they received 2 separate checks, one for my mortgage and another for overage of escrow they misapplied them and added them together instead 2. Our XXXX cashiers check was not only applied late despite overnighting it, but they show it applied late and now we know they never cashed it '' despite being received ''. 
3. In XXXX our payment was applied to XXXX again despite the cashiers checks being labeled and already sending a XXXX payment XXXX. XX/XX/XXXX a random amount of money was applied to our account incorrectly 5. XXXX XXXX cashiers check was sent back for no reason, after they told us that they had sold our loan. They said they would no longer service us and we would have to wait till XX/XX/XXXX. 

At this point I believe it is clear many mistakes have been made and it is absolutely unacceptable. And now they have sold our loan to XXXX XXXX so they aren't trying to help us. We have sent numerous emails and letters asking them to correct this and they have not. We have talked to numerous managers and representatives and they have given us the run around. We have been at this now for 4 weeks, they have no regard for us or our refinance we are going through. They keep ignoring us but this is hurting us. Its not only hurting my credit score with improper reporting but this potentially could make us lose our refinance.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023. XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Student loan

On XX/XX/2022, I contacted via email Pen Fed Credit Union and requested an overview of my monthly required payment and a copy of my Promissory Note. I response was forthcoming other than an automated reply, which assigned me Case # XXXX. 

Having no response, on XX/XX/2022, I called PenFed and again asked for an overview of my payment obligations and a copy of my Promissory Note. I was told that the payment amount was {$1000.00} per month. However, I was not given any information about the terms of the loan agreement. I again requested a copy of my Promissory Note. None was forthcoming. 

Again, on XX/XX/2022, I contact Pen Fed via email and asked for a copy of my Promissory Note. I was assigned case # XXXX. In response, Pen Fed mailed my a copy of the Credit Agreement, which does not include the basic terms of the loan ( e.g., no information about the term, interest rate, etc. ) Pen Fed did not provide a copy of the Promissory Note. 

On XX/XX/2022, I again requested a copy of my Promissory Note and none has been forthcoming.
Product: Student loan

When I graduated from law school, I struggled to find a job. When I sought help choosing a repayment plan, I was steered into forbearance / deferment by instead of an income-based repayment plan such as REPAYE. As a result of this, I 've accumulated in excess of {$50000.00} in accrued interest. While I now have a stable job and I 'm making monthly payments, the accumulated interest has now made my ability to decrease the loan 's principal nearly impossible, keeping me in perpetual debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Product: Checking or savings account

USAA is trying to put a hold of over {$600.00} on my check of {$1000.00} and some change. They put a hold of over {$250.00} on my last check as well. Before that, no holds on my check since my first one I received midXXXX. 

When I inquired, the first rep ( chat feature ) told me it could be any number of reasons that there was a hold put on my account. The second rep ( by telephone ) said all he could see is my monthly balance was low overall. 

That doesn't add up, since my monthly balance has been low since I moved in midXXXX. I had to use all my savings and bank monies to move/get settled in, so if that is the case why is this just happening a week into XXXX instead of in XXXX when I received my first check? 

They do not have any way to stop this from happening apparently, no reason for it happening, it has caused me to overdraft my bank account- I rectified that and got a refund for a service I was not utilizing and didn't realize would auto-pay yearly. 

I now have a {$14.00} balance on my bank account, so I guess that's all that will ever be put into that account because I refuse to have 2/3 of my check on hold for a week. I only get paid every 2 weeks, this is unacceptable.
Product: Credit reporting

Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX, on XX/XX/XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Debt collection

On XX/XX/XXXX they contacted my mom trying to reach me when they had called me but I was unable to answer due to me being at work. Contacting family members when they have my phone number.
Product: Money transfer, virtual currency, or money service

I bought something and I returned it back because item was not as described and I did not receive my money back. Now I'm out of my money and item. This is crazy... .I need my money back!!!! It's been more than a month since this happened and when I called customer service, they were giving me a runaround and kept wasting my time! Now I'm looking for an option to sue PayPal for this XXXX XXXX and not taking responsibility to cover buyer protection!!
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Debt collection

Conn 's www.conns.com has been calling me everyday for a total of {$120.00} on a washer and dryer I 've been paying on for 2 years. I only owe {$120.00} to pay the entire account off. I have told their reps I get paid on the XXXX of this month and would pay it off. They continue to call me from different numbers ( dialer ) MULTIPLE times a day. Today alone, they have called me 12 times and it 's XXXX. They start right at XXXX. I have told them I am filing a complaint and they say " Ok, but the calls will continue until a payment is made '' This is n't just today. They call me up to 15 times EVERY DAY and it 's harassment!!!! Especially when I 've told them I would pay the entire account off on the XXXX. 15 times in one day is EXCESSIVE! I would like to file a formal complaint against this company and their idiotic collection practices
Product: Debt collection

XXXX XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers? 

1. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation 3. ) They have now chosen to harass and cause me anxiety not only while WORKING on a dangerous road but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. 
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? 

Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated
Product: Credit reporting or other personal consumer reports

I have asked all three credit reporting agencies to delete old addresses, phone numbers, and my work information. To no avail the information has not been taken off and I was told they have a legal right to have the information. I just want my old personal information taken off my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of 2014 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile.

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit card or prepaid card

I was using my first credit card with XXXX XXXX XXXX and I was unable to afford the payment on months due to being unemployed and a student. 

There were 2 missed payments in XX/XX/2016 and there has been nothing since then. 

I am working diligently to rebuild my credit score so I am able to save up and buy a home in the next couple years. 

This would be amazing to get off my report.
Product: Money transfer, virtual currency, or money service

I am wrong to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPEB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPEB finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam.
Product: Credit reporting, credit repair services, 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. 

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

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX XXXX XXXX, EXPERIAN and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with XXXX and EXPERIAN who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or EXPERIAN permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX and EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about 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

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is 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/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i requested I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


on XX/XX/XXXX i requested I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I wrote a personal check issued by the XXXX XXXX XXXX  to my husband in the amount of {$2000.00}. He deposited the check via Bank of America local ATM ( where he holds his checking and savings account ) the same day XX/XX/2018 at XXXX. The print-out receipt, which includes a photo-shot of the deposited check, stated that " A hold has been placed on your deposit. Total amount delayed {$2000.00}. Reason : A hold was placed on your check ( s ) because specific information indicates item may be returned. '' On XX/XX/2018 I called the XXXX XXXX XXXX XXXX   automated service and verified that the check issued to my husband in the amount of {$2000.00} was already withdrawn from my account as of XX/XX/2018. My husband and I immediately called the Bank of America to clarify the situation and complain about the unreasonable length of their hold on our check, especially considering that the funds were already withdrawn from my XXXX XXXX account. 

We first spoke with a representative ( my husband has a profound XXXX XXXX and authorised me to speak on his behalf ). Getting no satisfaction, we asked to be transferred to the supervisor. XXXX XXXX, the supervisor who spoke to us, informed us that there was nothing the bank could do to expedite the availability of the deposited funds, and the {$2000.00} will not be available earlier than XX/XX/18, despite the fact that the money was already withdrawn from the bank issuing the check. We advised the supervisor that according to the federal regulation on ATM deposits, if the deposit is made with the ATM of the bank that holds the account, a check in the amount of over {$200.00} should be available after two business days. Still, the supervisor insisted that nothing can be done to make the funds available to us prior to the XX/XX/18 date that was stamped on the initial deposit receipt. No one has ever advised us that Bank of America can have such liberties of putting a hold on the check for such a lengthy period of time, and after the funds were already withdrawn from the account of the issuing bank ( XXXX XXXX ). Thank you very much for your help.
Product: Checking or savings account

Call Navy Federal Credit Union on XX/XX/21, ask questions about cashier check and was told the funds would be made available same. I went to cash the check on XX/XX/21 was told there a 24 hour hold. Call there XXXX number again was told there was no record of my call on XX/XX/21, explain what happen and was in need of my money do to the death of my mother, was it will be there in 24hrs. Asked for a supervisor who would not listed ask to file a complaint was told he would. Call back on XX/XX/21 because cashier check was still not in my account after 24 hours. Was told now it not processed until after midnight to 6am, by a supervisor who was told your customers service told me other wise. Navy Federal keeps living to people over our money and fails to do the right thing. 24 hour hold has turn into a 48hrs with them making excuses on my money. I had to miss my mother funeral services because of them., and they don't care.