23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It XXXX Concern, I applied and was approved for the XXXX XXXX XXXXXXXX XXXX XXXXXXXX for my home XXXX in XXXX of XXXX. XXXX payments were made to Mortgage Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AZ XXXX ) to reinstate my mortgage and to provided XXXX future payments to help alleviate financial hardship. 

The first payment ( Reinstatement Amount ) of {$25000.00} was paid in XXXX of XXXX with a confirmation number of # XXXX. It was posted as paid on my XXXX, XXXX Mortgage Statement on XX/XX/XXXX in the amount of XXXX. 

The second payment for future month of mortgage assistance # 1 was paid on XX/XX/XXXX in the amount of {$2800.00} the check # was : XXXX. It was posted as paid on my XXXX, XXXX Mortgage Statement on XX/XX/XXXX in the amount of {$2800.00}. 

The third and final payment for the future month of mortgage assistance # XXXX was paid on XX/XX/XXXX in the amount of {$2800.00} to Mortgage Solutions Financial with a confirmation number of # XXXX. The lender changed from XXXX to XXXX for this payment. It was posted as paid on my XXXX, XXXX Mortgage Statement on XX/XX/XXXX in the amount of XXXX. This leaves a discrepancy of {$560.00} between the amount of money that was sent to Mortgage Solutions and the amount that was posted as paid by Mortgage Solutions. 

I have called and spoke with several people from the loss mitigation department at Mortgage Solutions and no one has been able to give me an explanation for the missing {$560.00}. I have requested to speak to a supervisor on two separate occasions and was told I would receive a call back in 48-72 hours but never have received a call back. This discrepancy has caused financial hardship to my family as Mortgage Solutions has been charging me late fees and reporting my account as behind/delinquent due to their mistake that no one can explain. Ive been told the situation has been escalated but have not heard a response back in over 30 days. I personally paid {$760.00} on XX/XX/XXXX to bring my mortgage account current since late fees were being added on to the original discrepancy amount of {$560.00} and I did not want my mortgage to be reported as late to the credit bureaus for something that was not my fault. 
I would like the amount I paid ( {$760.00} ) to please be credited back to my mortgage account and an apology from Mortgage Solutions for dropping the ball and not following up on their end to my multiple inquires that I know have been recorded for quality assurance. I look forward to hearing back from someone as soon as possible regarding this issue with my mortgage. Thank you. 

I certify that the statements on this form are true and correct to the best of my knowledge and belief.
Product: Credit reporting or other personal consumer reports

Under 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 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
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. 

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

Good Afternoon, I am writing to you as a concerned consumer regarding certain inquiries or " hard inquiries '' on my credit reports that were not performed by me. I would like to respectfully request that steps be taken to remove these inquiries from my reports to the appropriate credit bureaus. 

As a consumer, I have the right to an accurate and truthful credit report under the Fair Credit Reporting Act ( FCRA ). This law establishes that credit bureaus must maintain accurate and up-to-date information about consumers, and must only allow legitimate inquiries on credit reports. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to protection against the collection of unfair or misleading credit information. 

I would like to stress that I did not authorize or request any of the inquiries in question. These inquiries are not representative of my credit history or my financial interactions. Since these inquiries are not legitimate and are not supported by my consent, I request that they be removed from my credit reports immediately. 

It is essential for me as a consumer to maintain a clean and accurate credit report. These unauthorized inquiries could negatively impact my ability to obtain credit in the future and may undermine my confidence in the credit system. Therefore, I urge the CFPB to take prompt and effective action to address this situation and remove these inquiries from my credit reports. 

The inquiries that I do not make and appear on my credit reports are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I thank you in advance for your attention and cooperation in this matter. I hope that the CFPB will take the necessary steps to ensure that my rights as a consumer are fulfilled, in accordance with the laws mentioned above. 

I look forward to your prompt response and satisfactory resolution. I appreciate your time and attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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. 

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 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 XXXXXX/XX/XXXX
Product: Mortgage

Nations Lending is our lender, we have been trying to refinance we have had 5 or 6 closing dates in two months they canceled all of them? We have never missed a payment or had a late payment! We have paid them over {$57000.00} in 23 months but they keep playing around! We are two Vet 's One is XXXX  % XXXX the other is XXXX, XXXX in XXXX & XXXX  XXXX   too!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX ... XXXX ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit
Product: Credit card or prepaid card

I always make my payment over the weekend during the week that usually the time the credit card is due. Last month I know for sure I had made a payment over the phone. 

I know I'm multiple occasions when I do the payments over the phone, a lot of times there might be problems. Or for some reason those payments could take so many days before it actually registers. 

I do not try to call the representatives, because sometimes it could take long on the phone before anybody answers. So everything is done through automated. 

Apparently last month when I made the payment it never went through. However I was not aware that that payment was not processed. Just a few days ago is when I got notified that the payment never went through which was Weeks later. However due to that action, they reported me late on my credit card. Which I have not been late on the credit card and the very long period of time. That affected my credit report which is affecting me from obtaining any credit. 

I was charged late fees, it's not my fault that there's some trouble at times with their phone system. So I'm looking to have those fees refunded I know they also do not want to negotiate with lowering my interest. So I'm also asking for help on that.
Product: Credit reporting or other personal consumer reports

This evening, I noticed inaccurate accounts appearing on my credit report without any clear reason. I reviewed my report as usual, but this time, there were unexpected discrepancies. I attempted to refresh my browser to see if it was just a glitch, but that did not fix the issue. The incorrect accounts remained after the refresh. Therefore, I request a thorough review of the documents Ive submitted to ensure I dont have to worry about this again.
Product: Checking or savings account

XXXX Tried to access digital banking from home computer. Got error message that information provided was incorrect. Attempted again being careful to enter correct credentials. Again got error that information was not correct. Attempted couple more times but was unsuccessful. 
Contacted digital banking support number. Initial troubleshooting attempts were unsuccessful. Was told that happens sometimes and to clear browser cache as well as reboot computer. Both did not rso.ve the problem. Ask for someone else to talk to. Said try again another day. Asked for someone else. Repeated same deeps but still failed. Asked for a manager or supervisor. Got access only if I changed my password. Logged out and tried to login using new password. Same problem as before. Only if I change my password can I get into my account. Changed it 3 times but when attempted to log back in it fails. 
XX/XX/XXXX Still having problem. Went to branching and talked to a banker. Was able to login using their computer. Told me must be an issue with my computer. Have no problems with accessing any other financial sites. 
XX/XX/XXXX XXXX a call from VP of the branch. Told me it is my problem. Tried to contact the last person I talked to on XX/XX/XXXX but could not reach him. Later VP called me saying they had a major update the previous week and some people were reporting problems. Said I should use my mobile device or Chrome browser on computer. VP said he would contact me when it is fixed. 
XX/XX/XXXX Contacted VP of branch as to the status. Told me it only affects some people and I should just use my mobile device. 

It is difficult to view my statements on a small screen. As this bank " encourages '' customers to use digital banking I would expect that they should address technical issues and not limit customers to only use one type of device or software. Issues like this should be addressed and not try to blow off customers, especially long time customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an account that is completely inaccurate and will not show me evidence of the alleged accuracy. It is from XXXX XXXX and is approximately XXXX dollars. This is an account that was charged up to the secured amount originally of XXXX and never went over and should have been closed. It is now at over XXXX dollars they have charged interest on a " secured '' card that never went over the allowed amount and should have been closed. This is absolutely fraud. And they will not show evidence of charges from this account or why they are leaving it on my credit. They will not remove this fraudulent charged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
I C SYSTEM shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year> I got an alert on my PC that my bank account has been hacked. The individual said he was from the XXXX XXXX division of the FBI. The supposed agents name was XXXX XXXX out of California. I asked for his ID and he sent it to me. They gave me an case # XXXX. He asked me to input XXXX and this ran a program that indicated a charge was placed on my credit card to XXXX XXXX  in the amount of {$19000.00}. He said not to contact my financial institution because it could be an employee at this institution hacking my account. He then asked me to download XXXX on my phone. 
He tapped on my XXXX  XXXX XXXX account and informed me I would have to withdraw funds and deposit funds in an XXXX ATM. First is was in a XXXX Bitcoin. When that machine would not accept a y more of XXXX cash he sent me to a BITCOIN DEPOT location. He said all the funds would be placed in a '' SECURED '' account thru XXXX XXXX 
In casual conversation I mentioned I had a HELOC account in which he wanted me to withdraw {$30000.00} and go to the BITCOIN machine and start making more deposited. 
By this time I had had enough. I was tapped out. I blocked his number ( XXXX ) uninstalled the XXXX app. He assured me all these funds were in a secured account. 
I contacted XXXX and just got a response back after 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted XXXX XXXX 3 times to resolve the issue. I was told XXXX XXXX switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contact Nationwide Recovery System for an account transferred from XXXX XXXX XXXX XXXX for a date of service of XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX provider. The debt collector by the name of XXXX in XXXX stated they do not have proof debt but I can request it from XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that they do not have a debt for me with this date of services or the account number XXXX  XXXX. I contacted the debt collection agency Nationwide Recovery System and advised XXXX of the same information in which he became irate and belligerent. I was transferred to his supervisor who would not identify himself and was offended ( his words ) that I requested to speak with someone in a U.S. location. He disconnected the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I'm still having difficulty with a Bankruptcy that is listed by XXXX. I thought this information was all settled, but then my most recent report from XXXX has the Bankruptcy reinserted ( See attached ). This is causing Equifax to refuse to remove the information. I need this corrected ASAP. It has been since XX/XX/XXXX I have disputed this information and told repeatedly that it was removed only to get a subsequent copy of my XXXX report with the Bankruptcy showing. 

If that's not enough, the report lists a Bankruptcy filed in XXXX by a " Spouse, '' which I've never had. This information is a grave error and the continual reporting of same is injurious.
Product: Credit card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anzsk open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX 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 with antedates the report by more than seven years. 

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Data Breach at XXXX which leaked my personal information which requires XXXX XXXX XXXX from today for the next XXXX years. Also, remove all old addresses and telephone numbers
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 

This is violating my rights and i request that these items to be deleted. I will also need these 3rd party companies to provide paperwork of me a signing any contract to get these accounts that are negatively impacting my credit score. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Student loan

I acquired the loan in XX/XX/XXXXto pay for grad school and have several concerns. First, I assumed because XXXX ( Now it has sold my loan several times to XXXX, now NelNet ) was under the PSLF ( Public Service Federal Loan Forgiveness ) at the time that if I committed to my education career without default for 10 years then I would be eligible for the Loan Forgiveness. However, recently I was denied because XXXX is no longer under the PSLF, although I have paid faithfully without default. I was so discouraged because I already had issues with how the payment plan was so skewed. For example, I have been paying on time ( monthly charges range from {$240.00} to {$330.00} ) since XXXX but yet have only paid {$2100.00} of the original loan of {$59000.00} in 10 years. This is outrageous! I feel trapped, cheated, and belittled. I have stayed with the companies because I was informed that I would be eligible for the Federal Loan Forgiveness Program because of my 10 years service in public education and should not move to another loan agency ( this move could " jeopardize '' my eligibility ). In addition, I 've paid {$29000.00} in interest but only roughly {$2000.00} to the principal. Please assist, these student loan companies that keep selling our loans with ridiculous interest, along with false advertisement that they qualify for the Federal Loan Forgiveness is unjust. Here are my request : 1 ) Please help me qualify for the PSLF since I was originally on the correct trajectory until XXXX blew it with the Federal Gov. but never informed me. 2 ) How can I get out of this ridiculous payment plan without being penalized.