23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with AmeriHome Mortgage since XX/XX/. I have been unable to make any mortgage payments online since I started a loan with this company due to an error on their website that prevents me from making a payment. I called the company the day I had to make my first payment and asked to have the issue resolved. Their response was that the error I receive every time I try to make a payment online is due to their systems not accepting long names like mine, which falls into discrimination. It is absolutely unacceptable that this company uses outdated system and practices to keep me from making mortgage payments online on time. It has been 5 months as of today and the issue persists. I am required to use one of the alternate solutions this company gives me to pay for my monthly mortgage, which are ineffective and inconvenient, and defeat the purpose of having a website to make payments in the first place. By having a system that intentionally prevents customers with long names to make payments online, this company is engaging in discrimination. ( Attached is a screenshot of the error I receive every time I try to make a payment from their website, which is preventing me from making such payment. My name is prepopulated so I can't change it. )
Product: Checking or savings account

The account was opened around 2016 fraudulently using my identity information ftc, bank and cfpb was notified
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.
Product: Student loan

I have XXXX from college and borrowed XXXX and XXXX from sallie Mae in XX/XX/XXXX and XX/XX/XXXX. Since the loan now is past the six month mark and payments are through the roof. Over XXXX a month combined. I am unable to pay this amount and my mother the cosigner is unable as well. My father is deceased so that is not an option either. To make a long story ahort I have been dealing with sallie Mae since XX/XX/XXXX. They has me give all my and my co signers financial info for a rate reduction program that they said I was eligible for at XXXX a month and 2 percent interest for two Years and after two years we reevaluate they had me put a months for earance on the loan as well. Now the program has ceased and they claim its due to their mistake in me putting the loan into forbearance. I had to give all financial info for both again. Now it 's being denied due to processing stating that my mom made XXXX in XX/XX/XXXX. She did not tell them this nor did she make that. She made XXXX and would never inflate it like that also they say she has XXXX in a savings account in XX/XX/XXXX as well. She does not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not do the rate reduction program now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the rate reduction program and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can help I would appreciate it. They are untruthful for their own convience. And I just need help to pay the loan at the rate in which I can afford. I did not add that the loans at present are 7.5 and 8 percent. I am not sure what your agency does but any input would help. I was told no from sallie Mae yesterday XX/XX/XXXX. Thank you XXXX
Product: Payday loan, title loan, or personal loan

Repeat issue. " We expected some customer loss ( when we took over the XXXX accounts in Texas ) '' - BBT Branch Representative at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My credit report is still being negatively affected by BB & T as a result of poor account management and customer service following a disputed transaction. The dispute investigation ended in my favor however the bank did not correct information with the credit bureaus, indicating my account as having payments that were 30 and 60 days past due. No information has been accessible online via portal and PDF nor in the mail as to the issue. A {$0.00} balance continues to show on my credit report as 30 and 60 days late ( see image ).
Product: Credit reporting or other personal consumer reports

I've been a victim of Equifax XXXX  Data Breach. Recently discovered some account that has been fraudulent acclaim using my personal information. Equifax has knowingly & willfully Section 1681n - Civil liability for willful noncompliance & violated FCRA 1681c-2. Must comply under FCRA Section 605b Blocking information resulting of identity theft. 

Accunt referenced : XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

ACCOUNT REFERENCE : XXXX XXXX XXXX
Product: Debt collection

I received a voicemail yesterday from phone number XXXX XXXX, it was a very snotty rude woman saying she needed me to call her back " immediately ''. Yesterday was the first time this number has ever contacted me. Last night the same woman called my XXXX year old dad, and left him a horrible voicemail that I am " avoiding her '' and that this will be sent to their attorney 's. Needless to say it made my dad very upset. The number they leave for a call back is XXXX XXXX. In googling this number people have reported many issues of people harrassing them from this company, and being scammed out of money for debt repayment on debt they don't even owe!
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payment on XXXX XXXX XXXX account despite the previous appeals I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE the account.
Product: Credit card

Someone in XXXX XXXX Florida has my social security and my address and opened up a Montgomery Ward in-store card and placed an order on XX/XX/year> I know this because Montgomery wards sends out an order acknowledgment and I called the business and asked how did this get set up The customer service representative said that someone called in an order with my address and my social security number and placed an order to go to XXXX XXXX Florida they ordered a pocket short and XXXX XXXX XXXXXXXX order totaling {$110.00} I do not know anyone in the XXXX XXXX Florida and I have not given out any of my information
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 XXXX 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
Product: Credit reporting or other personal consumer reports

I have requested my yearly credit report XXXX, XXXX, XXXX and did not recieve a responce. I requested twice this year XXXX and have not recieved a responce. 
The Company name is Equifax. It very hard to buy property without this information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I had XXXX XXXX  direct deposited into my venmo account. I made a tap to pay purchase from a convince store that was approved. When I went to transfer the remainder of my funds from my venmo account, through theiXXXX XXXX option, to my PayPal account which is also XXXX in order to do just. My transfer was denied, when I called into venmo, the customer service representative, refused to state or have a reason why I couldn't transfer funds through their option to do exactly that, she disconnected the call, and ten minutes later my account is mysteriously frozen for review. It was done intentionally by their cars and the company refus e to provide any specific reasons for the freeze, and refuses to release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name 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 a account without my written instructions
Product: Mortgage

Good morning, A law firm was hired for {$5000.00} to handle a foreclosure matter from Hudson City Savings Bank against XXXX. Hudson City looked to do a modification, every requirement they asked for I submitted to them. Every appearance for court the law firm and myself showed up. ( Their theory for denying the loan modification was that they were too small of a bank which was indicated to me ). As the case move forward the law firm asked for another {$1500.00} and I submitted it to them. At a point, when I was n't hearing from the law firm, I emailed them to see what was going on with the case with no response back. I went to another law firm to see about them handling this matter. Numerous time reaching out to the original law firm for my files, they said the file was too big to make copies of and release. So, I could not get another law firm to review the case, because I could not get the files out. 

As time went on, I received solicitation mail ( not from the bank 's law firm or court ) saying that a judgment was entered on the house. The court has down that I am listed as pro se. So, I have never received any paperwork from the original law firm that was on the case. Also, I never received any paperwork notifying me of any court dates or that I needed to engage another lawyer. After finding out about the judgment, I received mail from M & T Bank ( who bought out Hudson ) in XX/XX/XXXX about applying for a loan modification. I submitted all papers to them numerous times. I was tracking the case as best as I could on ecourts, the last date showing up on file is XX/XX/XXXX. The case says inactive pending future filing. I immediately went down to the court to find out what was going on and it was told to me that the referee who was on the case had a conflict of interest with the bank. Then in a letter dated XX/XX/XXXX M & T suggested about applying for a modification again. I then submitted all requited documents. In a letter dated XX/XX/XXXX M & T said they received the package. Next a letter dated XX/XX/XXXX from M & T was sent requesting more documents, which were all submitted to them. Then, on XX/XX/XXXX I received solicitation mail that there was sale date for XX/XX/XXXX. On XX/XX/XXXX I received a letter from the law firm that represents M & T/Hudson that there was a sale date. Prior to this, I have never received any mail from the courts or this law firm. Right down, from the original summons and complaint was supposedly served to a business of my brother 's in XXXX/XXXX. The only mail coming in from the bank was monthly bank statements that included Hudson and including every month from that point on from M & T and loan modification correspondence. 

I believe this falls under dual tracking, as the bank and I were working on a loan modification and I even just signed a new three year lease with a tenant to have additional income coming in to make sure there is enough money for modification requirements, and NOW THERE IS A SALE DATE ON MY HOME. Can you please advise with this matter as soon as possible? Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that Equifax takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Mortgage

I got a letter in the mail saying tiaa bank has partnered with loancare and that I have a outstanding balance. They said I didn't pay XXXX and XXXX and that I owed three months mortgage. So I payed the 3 months to the new address and new account number. And now they are saying they haven't received the check. And XXXX XXXX says all of the checks have been cashed. Even the first ones for XXXX and XXXX that I sent in XXXX and XXXX. I never received any notice that Tiaa bank was switching to loancare or that I was supposed to be mailing to a new address or loan number until they sent me a delinquency notice. And now they are still harassing me with phonecalls every other day. Asking me for my social security number and asking me how much the mortgage is. They are still asking me for more money Even though I payed them twice for XXXX and XXXX. And XXXX XXXX won't help me file claims or charges or whatever I need to do to get this resolved.
Product: Student loan

A company called me with information about my loan and said they can help get my loan paid off. They had all of my information already. The name of the school is Guidance Alum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan with CREDIT ACCEPTANCE CORP Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect. Credit acceptance sent me a letter that's says the car is paid in full but on my credit report it says, Account paid in full for less than full balance which that appears on all 3 my credit reports. i can not get a car loan with this incorrect accounts that on my credit report also this so call miss payment also. i have all my letter from Credit Acceptance its not making any sense why this showing a charge-off or paid for a less amount Credit acceptance agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my showing on my all 3 of my credit file. I call all 3 credit companies about this issue so many times & they will not fix this account at because Credit acceptance will not update the remarks show as a good account & paid & full & the miss payment delete off. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife name also on this account XXXX XXXX this also damage her credit file.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a matter of urgent concern regarding fraudulent items on my account. It has come to my attention that unauthorized transactions have been made, which have compromised the integrity and security of my financial information. 

As a victim of fraud, I am deeply troubled by these unauthorized activities and demand that they be addressed with the utmost urgency. These fraudulent charges not only jeopardize my financial stability but also erode my trust in your company 's ability to protect its customers. 

I insist that these fraudulent items be swiftly removed from my account without further delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and rectify the situation to prevent any further harm to my financial well-being. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. 
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. 
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. 
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.
Product: Checking or savings account

I was not refunded my money back on a unauthorized transaction.after I've submitted all my proof that I could and they keep asking for more and more proof .clearly you can see that what happened that I was taken for all my money I had in my account of XXXX to me it's a lot money I don't have .just for someone to just take it from me just like that .this person impersonated to be a chime employee and got me for the little money I had left in my account .maybe it's doesn't sound like a lot of money but to me it's all I had.what upsets me the most is that money was suppose to be for my electric bill but most important for my daughter 's letterman jacket for school something she has desperately been wanting for school .it 's a shame that people do this for a living and not working hard for their money while others work their tail off .so I'm just wanting my money back or something has to be done to this person who did this.charges need to filed so they don't do this to other people .I thought thats what chime investigation suppose to do get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XX/XX/2021 I NOTICED A COLLECTION APPEARED ON MY CREDIT REPORT I DISPUTED IT AND IT WAS DELETED XXXX XXXX AND NOW IT HAS REAPPEARED UNDER A DIFFERENT COLLECTION AGENCY I CHALLENGED THE ACCOUNT AND ALL THEY DID WAS UPDATE IT SO THE ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT AND THEY WILL NOT REMOVE THE INCORRECT INFORMATION. I HAVE ASKED SEVERAL TIMES. THIS ACCOUNT HAS ALREADY BEEN DELETED ALREADY AND SHOULD NOT BE REPORTED ON MY CREDIT REPORT I HAVE ATTACHED THE REPORT WHEN IT GOT DELETED AND WHAT IT IS REPORTING AS NOW.
Product: Checking or savings account

ON XXXX I sent letters to XXXX all ACH debits from my account for Payday loan companies ... sent a letter for each company as I got into a Payday Loan Consolidation program ... On XXXX I called Huntington and closed my account ( while it was still positive balance ) on XXXX and now XXXX they continue to take ACH Debits out - which now has my " so called '' closed account at - {$2000.00} ... this is not acceptable - I did everything on my end as I was told to.