23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX/ XXXX XXXX # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Prepaid card

I had my account locked for no reason by NetSpend. I sent in all the accepted documents that also had to be within 30 days. My bank statement was dated XXXX/XXXX/2015. And I then got an email 5 hours later of faxing the information stating it was not within 30 days. I have {$5400.00} in that account and proved who I was multiple times.
Product: Mortgage

After ten years having this mortgage on my XXXX condo I have been unable to satisfy OCWEN that I have sufficient insurance through the condo association. No matter what contact person or insurance documents me or the condo association and their insurance agent provide they are never satisfied and have now purchased an additional flood insurance policy on my condo for the sum of {$830.00}. I believe this is ridiculous and an attempt by the mortgage company to create an additional income source.
Product: Credit card or prepaid card

On XX/XX/21, I made a {$1000.00} payment to pay off my XX/XX/21 promotional balance to avoid interest posting. This would also have paid off XXXX promotional balances. The XXXX and XXXX promotional balances decreased to {$0.00} in my account after I made the payment. 

Two to three days later I decided to go online to select for my payments to be applied to an XXXX promotional balance. XXXX balances still showed {$0.00}. I got a message stating all future payments will be applied to XXXX promotional balance. This was good because it looked liked my XXXX and XXXX was paid off from previous payment so I did it. 

Home Depot took the previous {$1000.00} payment and applied to new selection for XXXX which made me have a balance of {$340.00} for the XXXX and {$570.00} for XXXX promotion balances which cause me to be charged {$180.00} in interest for XXXX. 

I called Home Depot on XXXX ( when I was finally able to open the XXXX statement, issue with it downloading ) and they said that the payment must not have been posted completely at the time I made the selection to apply payments to XXXX promotional balance, since it takes 24-48 hours for a payment to post. ( Even though it was 2-3 days later and the payment looked to be posted since my promotional balance said {$0.00} ). Even though payment date should have been day I made payment which was before allocation selection. Credit customer service gentlemen said there was nothing he could do and that he suggests not making payment allocation changes when a payment is pending since this tends to happen often. There was no warning about that in the payment allocation screens and the payment looked to be posted! 

There should be more warning about this known issue with their system. 

I have decided to close the store card since this is unfair practice and they knew it was an issue with their system. They were also unwilling to correct or discuss applying payment correctly. I pay my bills diligently and accurately. I was a loyal Home Depot customer and recently tried out their credit card service. I will never get a card with them again and am debating even being their customer.
Product: Student loan

My PSLF application in addition to my one outstanding Federal loan was transferred to Mohela in the XXXX XXXX XXXX  XXXX. I applied for PSLF in XXXXXXXX XXXX XXXXXXXX and received a letter from the XXXX XXXX XXXX that my loan qualified and I just needed to wait for it to be transferred to Mohela for them to count my payments. It is not XXXXXXXX XXXX XXXXXXXX and after too many calls to even count, Mohela has made no progress in finalizing my application and they give me different answers every time I call. Over XXXX years of payments are missing from my count and they have been stuck that way for a year. I put my loan in forbearance bc it was their issue that XXXX years of qualifying payments were just missing and would put me over XXXX payments. I am now about to be transferred to a different servicer and am so scared that my information will not be accurately transferred.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX 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 am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updatedXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Suites XXXX & XXXX XXXX, CA XXXX Subject : Request for Proof of Loan Satisfaction for Loan Number XXXX Dear XXXX Mortgage Services, I am writing to formally notify you that the loan associated with Loan Number XXXX has been satisfied in full. As such, I am requesting an official document verifying that the loan has been paid off and executed. 

This proof of loan satisfaction is necessary for my records, and I kindly ask that you provide it at your earliest convenience. Please include details confirming the release of any associated liens and the closure of this account. 

Should you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Mortgage

I applied for a loan refinance with Quicken Loans. This required an upfront payment of {$500.00} and an appraisal. The appraisal was completed and Quicken Loans gave me the details of the refinance package they could offer. Subsequently, I was offered a superior package from XXXX Bank. After much consideration, I decided to pursue the refinance with XXXX. On XXXX XXXX, Renasant and I emailed Quicken Loans and requested that the appraisal be transferred so that I could complete my refinance with XXXX. Quicken Loans chose to delay the transfer until they could speak with me. After several calls and emails, it was determined once again that I would pursue the refinance with XXXX. At this point, I was passed to a different group within Quicken Loans and told that my appraisal would not be transferred. I restated my request, but was told Quicken Loan 's company policy prohibited the transfer. I professionally expressed my frustration, and found only a cold indifference to my request. 

I paid Quicken Loans to engage the appraisal company. The appraisal should be transferred upon my request. It should not be held hostage in an effort to force me to transact with Quicken Loans. 

Furthermore, I should not be belittled for choosing to transact outside of Quicken Loans. Prior to my appraisal being held, I was told that my choice to deal with XXXX was ignorant. The specific words were, " Well, if you do n't know any better, [ you would choose XXXX ]. '' I am a XXXX, and I know the differences in the refinance packages being offered. XXXX came to me with a good offer right away, where Quicken Loans revised their offer XXXX times, only to offer something a few hundred dollars better ( after seeing the details of XXXX 's refinance offer ). Based upon this behavior, I chose XXXX, and I need my appraisal before my loan lock expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor my credit.
Product: Mortgage

I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.
Product: Credit reporting or other personal consumer reports

Hard inquires reported on my credit report from companies I never gave my information or written signature to XXXX XX/XX/year> & XX/XX/year> Flagship cre XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I cant connect my bank account to the XXXX app
Product: Credit reporting

i sent in a identity theft affidavid and a police report to inform Transunion, XXXX, and XXXX that i have been a victim of identity theft and several accounts showing on my reports are not mine after thirty days their response was we verified these accounts as being yours but when i asked for proof they said we dont have to give you proof i asked why not if you are saying these accounts are mine i also said anyone can send you a letter saying these accounts are mine wheres the proof show me something with my signature or a copy of my drivers license, i have XXXX bankruptcy 's showing on my credit reports whne i disputed with transunion they did remove them but XXXX, and XXXX both keep saying we verified these with the courts which i a lie i called the federal bankruptcy court they said they do not verify any information for credit reprting agencies when i informed XXXX and XXXX of this their response well its been verfied we not removing them, these are the accounts showing on my report that are not mine i have disputed tiwce and sent in identity theft information. 
XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

any assistance would be greatly appreciated thank you.
Product: Debt collection

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

I attempted to purchase tickets from an online ticket Vendor using the XXXX XXXX through my Huntington Bank account. I was attempting to purchase 4 tickets for {$600.00} for XXXX basketball games in XXXX OH on XX/XX/XXXX for games on the XXXX. The vendor told me how to transfer the money to them via XXXX and that the tickets would be sent to my email once the transfer happened. I sent the money and did not receive the tickets. I immediately called the bank and reported what had happened. They told me I had to wait 3 days since it was the weekend for the charge to post and then we could dispute the charge. I called Huntingtons mobile and online banking fraud service and they said there was nothing that could be done to stop or reverse the transfer. I also called XXXX the day of the transfer and spoke with a customer service rep to report the scammer/fraud that had taken places and warned them of this person using their app and scamming consumers. They did not seem to care that this happened and said I could work through my bank to deal w this issue. I finally submitted the claim but it was rejected by the bank citing that it should have clearly understood I was taking this risk. I had done some research prior to transferring the money about XXXX and tickets and felt as though I would be protected if something went wrong or would be able to reverse the transfer. None of this was possible. I do think that there needs to be better warnings for consumers using this app and better warnings from the bank that this is a very final action and this app is being used very often by scammers. I think there also needs to be better tracking of the people using the app and a better screening process to ensure this cant happen to many people. As a consumer I felt very misled by XXXX policies and dont understand why Huntington would use such a deceptive and poorly designed application. Regardless of my authorizing the transaction, XXXX is allowing deceptive users to take advantage of other consumers. A reasonable consumer would be led to believe that there is protection offered based on experiences w other apps and companies that do offer some sort of protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed 4 unknown inquiries through the FTC that were reporting on my Transunion report. In response, Transunion deleted al 4 of those inquiries and updated my report as of XX/XX/XXXX. Those inquiries were : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Regions mortgage is not using correct accounting practices on an escrow account It's over life of loan that started in XXXX  Called multiple times, representatives do not understand what I am explaining to them. Visited branch, employee was to get me some assistance, never heard back. 
Wrote a letter with documents no response.
Product: Credit card or prepaid card

Today, I called Synchrony Bank to ask if they could send me a copy of the full and detailed Transaction Account History for my store branded XXXX XXXX card that I obtained through them several years ago. 

The customer service representative refused to send it to me. He repeated stated that this account ( along with my XXXX XXXX XXXX XXXX  branded card with them ) have been charged off, so he will not be able to send that information to me. He suggested that I contact the collection agency that has this XXXXXXXX XXXX account, although no collection agency has reached out to me regarding this card - Synchrony Bank is still reporting the CO status on my credit report monthly ( last time was XX/XX/2023 ). 

I contacted Synchrony Bank directly to inquire about receiving the complete and unabridged versions of my Transaction History Reports for these two store branded credit cards, because I am certain that Synchrony Bank has overcharged me throughout the length of time that I had these cards open with them - I just want to verify the application of the interest, principal, and fees. They did not meet that request.
Product: Mortgage

I listed my house for short sale due to the banks inability to negotiate a loan mod, that loan mod has been going on for XXXX yrs. ( 2009 ) so as I was mentally exhausted from the ordeal I tried to sell my house via short sale and I feel they delayed the deal due to incompetence and we lost the buyer. They took over XXXX months and still have not accepted or denied the original offer. I thought they had XXXX or XXXX days to conclude the process?? I would like someone to validate their efforts or recognize their inefficacies
Product: Checking or savings account

I recently sold my house and deposited the proceeds of approximately 340,000 into my Wells Fargo account on XX/XX/XXXX. I was told the funds would be available in stages and totally available byXX/XX/XXXX. I got a message on my account web site that the funds were being held an additional week because I had overdrafts on my checking account the previous 6 months. I called the bank and was told that there was nothing they can do so I had to ask what does me having minor overdrafts on my checking account for which I was charged fees have to do with the integrity of checks deposited drawn on a major Arizona Bank? Of course there is no logical explanation. I asked them if a XXXX year old widow  has overdrafts do they put a hold on her Social Security Checks? An absurd analogy obviously but based on their behavior over the past 2 years I would not put anything past Wells Fargo. I am not familiar with Banking Law but this seems to be a civil as well as criminal act. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have attempted to have the three credit agencies ( Experian, XXXX, and XXXX ) remove old addresses which are not feasible to receive mail. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and would like all three credit agencies to comply immediately.
Product: Credit card

I responded to a Discover card with a balance transfer promotion in XX/XX/XXXX. I logged in to make payments and it always showed nothing due. I saw a paper bill this month XX/XX/XXXX, only to find out that the account I opened was not on my user login. I tried to add it and the system told me already registered. I had to go to the Discover website and use the forgot user login to get into the system for the card with the balance transfer. I made payment in full once I had access. I also found that I was charged {$150.00} in late fees. I also setup automatic payment for the card on the other user login.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.