23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

please help. Im a XXXX person AND 100 % XXXX veteran on a very low fixed income veteran and U.S. BANK of XXXX, MN. is refusing to help or making it very difficult for me to get rid of my condo, short sell or deed in lieu. I was on a 3 MONTH hurricane forbearance, however now the bank wants an exorbitant sum of XXXX $ to catch up and provides NO options. US BANK is EXTREMELY hard to reach on the telephone their representatives are rude, cruel, evil, and insensitive to persons with XXXX, and they REFUSE to help in any manner. In addition Im afraid they will not allow a short sell or deed-in lieu due to owing money to the condo association and the state of Florida XXXX XXXX program. Im WELL behind on my condo fees due to the EXORBITANT state insurance requirements and cant catch up. This is a veterans administration loan and the VA also refuses to help. I REFUSE TO HEAR US BANK BULL FECAL RESPONSES, AS THEY STAND TO MAKE UP TO XXXX DOLLARS FROM THE VA LOAN GUARANTEE IF I HAVE TO DEFAULT. I WILL BE HOMELESS AND THEIR DIRTY EVIL CEO AND THEIR STADIUM WILL BE WEALTHY!! I can no longer afford this condo on a fixed low income and need to get rid of the condo. US BANK will ruin my credit such that I can never house myself again for 7 years after a foreclosure and will be homeless! So therefore, I hope this dirty evil bank is happy.. I believe US BANK WILL NOT allow a short sell or deed-in lieu due to condo fees and florida XXXX XXXXXXXX program on the condo! I am having health problems and US BANK is exacerbating them being extremely difficult and providing little to no options. I have reported U.S. BANK to XXXX XXXX 's office, the Florida attorney general, the CFPB, the FDIC and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATIONXXXX Balance details 11 % paid off Balance {$860.00} Balance updated XXXX XXXX, XXXX Original balance {$980.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance $ XXXX  Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
INQUIRY INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRY INCLUDED IN DISPUTE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please find attached, along with two supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of XXXX XXXX XXXX XXXX ( formerly known as ) XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX.
Product: Student loan

I am on a Federal Loan repayment plan and have set up monthly payments to offset my past due amount. I spoke with a representative at Texas Guaranteed to set up all the details and spoke with them at length about my options. I was told that I could make monthly payments that were configured based on my income and my bills and that after I had made enough qualifying payments that my loan would be considered in good standing. In my first conversation with Texas Guaranteed representatives we discussed taxes and noted that I had not been able to file in the past couple of years because I was the victim of identity theft. We discussed that I hoped to file this year. I set up the payments and have made them on time since I set them up. I was able to file my taxes and was expecting a federal tax refund of almost {$3000.00}. A couple of days after the IRS notified me that my tax refund was supposed to be deposited in my account I had to call several different numbers to find out that my tax refund was seized by Texas Guaranteed. At no point in our discussions was I notified that my federal refund would be taken, and I did not receive anything in the mail that my federal refund was going to be taken. I called a spoke with a different representative and was basically told 'oh well too bad we wo n't release your refund '.
Product: Credit reporting or other personal consumer reports

Analyze the report and the dispute letter and please erase the listed items from my report. The information listed does not belong to me.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XX/XX/XXXX, I was making a deposit at Bank of America branch ( XXXX XXXX XXXX, XXXX, CA XXXX ). Based on the small talk with the teller, there were several withdraws, total at {$12000.00}, at several branches of BofA at XXXX, Florida. Right away, I knew someone somehow stealed my money as I 've never been there. Due to the fact, I speak limited English, I asked the teller to help and called the customer services of the B of A to report the fraud ( claim # XXXX ). On XX/XX/XXXX I went to local police station and file the report, the case # is XXXX. I was informed by the police officer, it 's better to contact bank of America to get the money back. Without hearing anything back, on XX/XX/XXXX, I went to the branch again to ask the rep to help and called the customer services of B of A and was told by services rep at customer department that it will take up to 3 weeks to do investigation and know the result. However, on XX/XX/XXXX, I received the letter that indicated that they denied my claim. I called the next day to ask for evidences, such as signature on the withdraws slip as it 's withdrew from the counter, also the surveillance video footage. I did n't hear anything back before I made another call on XX/XX/XXXX, I told them I never left California and never did any withdraw in XXXX Florida and wants them to showed me the evidence : signature on the withdraw slips and the video footage from that branch. They told me they 'll do more investigation and they need police department to authorize such request. When I went to police station and was told that they do n't this type request.
Product: Debt collection

CONVERGENT OUTSOURCING is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. CONVERGENT OUTSOURCING is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337. Also violating state laws Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Credit card or prepaid card

I contacted the company back in XXXX to close my account, and received a message saying they would take care of it. 
Starting around XX/XX/XXXX and from that point on, I have been receiving calls from them ; I was not sure why since I was told they would close my account. 
Recently I saw that my credit score changed and saw that I had missed a payment to Comenity Bank which I thought was not right since my account was closed. I started a dispute through XXXX in XXXX to figure out what was going on, but from the results, the account is still on my credit report. 
I have tried logging in to my Comenity account to see what I could do, but they have no record of me when I try to reset my password/username. 
What I am trying to figure out is if they do not have a record of me currently banking with them, why is my account apparently still " active '' and I am having to continue to make payments even though I am no longer attached to them?
Product: Credit reporting or other personal consumer reports

This is my 9th request but no one seems to care. I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX However, they stated everything was complete and accurate. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 XXXX years. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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: Student loan

-Imade some lump-sum payments ahead of repayment restarting. on XXXX of the loans I paid in full, Mohela website shows that nearly XXXX XXXXXXXX of my autodebited payment amount will be directed toward this ( paid-off ) loan -my minimum monthly payment shows XXXX different amounts, depending on where on the site I look -XXXX ago, I set up my autodebit to an amount greater than my minimum monthly payment. Today I received a backdated letter showing my monthly XXXX amount - at the XXXX payment, not at the amount I designated XXXX has not responded to any requests for information, and it's impossible to get anyone on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Product: Payday loan, title loan, personal loan, or advance loan

As part of energy saver and save on my electricity bill, went with XXXX XXXX XXXX to assess and install the solar panels. 
Now it's almost one and half year, the first year the solar was looks to save my bills, but this year am landing up paying loan for my solar panels and also paying electricity more than the normal bill, Some where the company is failed to assess completely my power requirements and just to sales, they promised that the installed solar panels will help me reduce my electricity bills. 
I see steep increase in my electricity bill contiuously i am paying XXXX, XXXX and XXXX along with {$91.00} towards solar panels loan, ultimately i am XXXX and XXXX and XXXX, as part of saving, i am land up paying more bills The loan is with Dividend Solar Finance LLC Attaching the my electricity bills from XX/XX/year>, XXXX bill is minimum bill around {$23.00}, But XXXX month you can see that steep increase in electricity bill, along with that i need to pay the solar loan with Dividend
Product: Checking or savings account

On XXXX XXXX XXXX I paid to XXXX company XXXX from my account. That company being closed due to fraud for FTC department. I paid in total to XXXX over XXXX but only XXXX from my Bank account. Same year I contacted FTC and they said that I had to contact my Bank to expain what happen and receive my money back. I did, I contacted US Bank and explain what was happened, they sent my a claim form by mail, I filled it out and sent back to US Bank and they denied my request. I contacted FTC this morning and they said same that I have to contact US Bank again to received my money back but my bank doesnt XXXX me.
Product: Credit card or prepaid card

On XX/XX/2018 I was notified by Chase that a charge of {$120.00} ( approx. ) for XXXX XXXX was attempted on my account but it was not authorized by Chase. Another charge on XXXX XXXX for {$330.00} was allowed and posted to my account. Chase asked if I made this charge and I responded that I didn't. A fraud report was submitted. 

In XXXX I was informed that Chase determined that I was responsible for this charge. I requested a repeat review of the charge. 

The charge was made by phone for a ticket from XXXX XXXXXXXX to XXXX XXXX. 

Chase requested that I prove my whereabouts on that day. I submitted a copy of my time sheet proving that I was at work in South Carolina until XXXX XXXX that day. 

On XX/XX/2018 Chase sent a letter that again determined that I was responsible for the charge. When I called them I was told by an agent named XXXX that one of the factors that led to their decision was the fact that I was in Florida in XXXX. I was in XXXX Florida from XX/XX/XXXX to XX/XX/XXXX. I took XXXX from XXXX to XXXX. 

Again, i was asked to submit my information regarding this dispute. I had to email it to a supervisor named XXXX XXXX ( XXXX ) because XXXX was not allowed to receive emails. 

It is quite obvious that the fraud department of Chase did not even call XXXX XXXX to get details because when I spoke to the airline representative he told me that the ticket was never used! And yet Chase made me prove my whereabouts and made a determination based on my being in Florida in XXXX! Their reasoning is illogical. 

Also, according to the letter of XX/XX/2018 the transaction was posted on XX/XX/2018. As you can see from my statement it was posted on XX/XX/2018- a minor discrepancy, but one that adds further fuel to the fact that the Chase fraud department is ineffective, incompetent, and possibly complicit in fraudulent charges. 

Note : This charge was accrued under the name of the joint account holder
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.
Product: Money transfer, virtual currency, or money service

Venmo has held XXXX of mine since XX/XX/2021 to do and investigation on suspicious activity. They investigation is complete they found no problem I've verified my identity and previous bank account details before they allowed me to deposit the XXXX into my account XXXX. XXXX I sent to a friend and XXXX to another account then they froze the account I still have XXXX balance available I can't withdraw or update my bank details to withdraw my funds
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in compiling and assessing consumer credit information. It is essential that they fulfill these responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The banking system relies on fair and accurate credit reporting, and unfair reporting practices undermine public confidence, which is vital to the banking system 's integrity. I never provided explicit, written consent for these consumer reporting agencies to report my information, violating 15 U.S. Code 1681b ( 2 ). This has led to alleged XXXX XXXX, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Student loan

I have set up automatic payment for my student loan with Navient. It is supposed to automatically withdrawal {$240.00} on the due date. For whatever reason they did not withdrawal it this month on it's due date of XX/XX/2020. Today XX/XX/2020 they called me and my husband 4 times before XXXX XXXX. It has only been 4 days, we did not receive any emails or other notices that the automatic payment didn't withdrawal. This seems excessive and aggressive for 4 days late and the fact that all of the bank information is update and working. SO this was something that went wrong on their end and instead of fixing it themselves they call us repeatedly as if we did something wrong. Then when my husband called they refused to speak with him, even though he is an authorized person on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am formally requesting for  Midland Funding  provide the following case #  XXXX  : The Stature of Limitations concerning the alleged debt, furthermore I want to request for the following verification : Any telephonic recorded conversations that you had with me to verify the alleged debt and any payments and payment method I used such as personal checks, debt card, or money orders I made to  Midland Funding, Inc.  These are the items needed to verify a debt owed.
Product: Debt collection

I tried to have it resolved but I have know idea about this account or know of it.
Product: Mortgage

XXXX XXXX XXXX Sr. Loan Consultant XXXX ID XXXX State Lic. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Direct XXXX Fax XXXX XXXX XXXX ( Caliber Home Loans ) sold properties in a collaboration with XXXX XXXX XXXX and XXXX XXXX ( affordable housing with deed restrictions ). XXXX and Caliber Home Loans knew these homes were defective and quickly became uninhabitable shortly after closing ; yet, he continued to close on these homes and write mortgages on these properties where the consumer was being defrauded. XXXX was working in the builders best interest to the detriment of the consumer - mostly low income consumers who bought these lemon properties as their first home, then they were forced to walk away in far worse financial shape than before.