23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My first mortgage payment with Bank of America was due XX/XX/XXXX. I scheduled a payment transfer for that date from my BOA saving account to my mortgage account. On the date the payment was due I noticed the money was not withdrawn for my account nor did I see any pending payments on the mobile app. Therefore, I made a transfer from my savings account to the mortgage account. Since then I have received numerous letters stating I missed my payment and can be taken to court. When I called customer service I was told I had insufficient funds in my account when the payment was processed and will incur fees. Again, I transferred {$1100.00} from my BOA savings to my mortgage account on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Basically PayPal has held my {$2200.00} dollars for over six months for u known reasons. I have reached out, I still cant withdrawn my funds although I was told I could no longer use PayPal anymore. That is perfectly fine, just release my funds & they can close the account, instead of delaying things. Right now they have no legitimate reason as to why they havent released my funds, just generic scripted messages. The email is XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax credit report, I noticed some inaccurate information on an account of mine. XXXX XXXX account number ending in XXXX is reporting XXXX late payments from XXXX and XXXX XXXX XXXX that are inaccurate. I have never missed any payments on this loan and this account is almost XXXX XXXX XXXX. I'm requesting an investigation into these discrepancies. I'm asking for these payments to be updated promptly and to on-time.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' FIRSTMARK SERVICES is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' FIRSTMARK SERVICES is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, FIRSTMARK SERVICES whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' FIRSTMARK SERVICES never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : file # XXXX On XXXX transUnion staff did erroneously change current address to my credit file then mailed reports to same wrong address which placed my file in the hands of questionable people with ulterior motives. I frustratingly telephone called TransUnion on XXXX. I spoke with several rude and interuptive supervisors ( XXXX & XXXX ) who verified my current address XXXX defiantly refuses to send credit report to correct address
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Experian has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and they refuse to erase unauthorized inquiries on my account. The representative refused to help me with this issue. The inquiries that were not authorized were XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX/XXXX inquiry date is XX/XX/XXXX XXXX  XXXX/XXXX  XXXX inquiry date is XX/XX/XXXX XXXX  XXXX   inquiry date is XX/XX/XXXX XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX date is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXXXXXX XXXX XXXX my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX  about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech charges me with more {$14000.00} + areas on a mortgage not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit card

Chase Credit Card Services is refusing to provide statements for my Chase Business Visa under XXXX. I have records showing money was transferred to them from my personal checking account but Chase can not produce any evidence of debt. I want to point out to that XXXX was my business, I am the owner. My business was subject to Chase 's credit reporting and my business was responsible for the supposed 'debt ' you collected from my checking account. But you can not show any charges were made on that credit card. There has clearly been some kind of accounting error and I want those over charges returned. Another solution would be this, through acts of fraud my ex-wife now XXXX XXXX managed to steal allot of money from me and a large amount of my XXXX son 's recovery money. We have been unable to produce the evidence of what she 's done due to my inability to access any of my finances. It drove me into bankruptcy forcing me to default on my new creditors unnecessarily. One of those creditors is Chase Visa my new account through Amazon.com. I believe you can clearly see on your end who is causing this problem and preventing you from providing me with copies of my statements which I need to show fraud was committed. In effect XXXX XXXX XXXX and XXXX XXXX XXXX have committed offences against both of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to CORELOGIC CREDCO XXXX. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my XXXX XXXX  identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I received form 1099-C from XXXX indicating that my credit card debt was forgiven or cancelled. 

However, XXXX is still reporting inaccurate balance to all 3 major credit bureaus
Product: Vehicle loan or lease

On XX/XX/XXXX I wrote a letter to CEO of Santander asking for late payments to be removed that occurred during the pandemic. I pleaded with Santander to remove late payments from XXXX and XXXX of XXXX. I would truly like all late payments to be removed from XX/XX/XXXX - XX/XX/XXXX ; however I know that, that's a stretch so I'm only requesting removal for XXXX, XX/XX/XXXX and XX/XX/XXXX. Santander has not mailed nor contacted me by phone to work with me and get these late payments removed. I have had this account for quite sometime now and you would think they would honor this request due to unforeseen circumstances that caused me to be in this situation in the first place. Santander sends me letters all the time asking how they can help me and now as they can see I am on track and this is their way of helping me move forward in my future endeavors to create stability for my family. Attached is the letter that was sent to the CEO pleading for those late payments to be removed. I really hope that Santander would honor this request of a faithful consumer of their company. This complaint is only being filed and desperate need for a response and to please work with me. 

Thank You
Product: Debt collection

This company had contacted my daughter in laws father as well as the assistant human resource director at my place of employment. I called the number they had left and spoke to a XXXX XXXX XXXX. She stated that there was a civil suit filed against me for a credit card that was taken out in XX/XX/XXXX and that had been charged off and closed in XX/XX/XXXX. Although I had never received anything by mail she stated in order to keep it from going to court I would need to settle on a payment of XXXX that would need paid this month and said she would need to credit card information then and there to keep it from going to court. Feeling pressured to keep it out of court and avoid court fees I agreed and gave my information. After thinking more clearly about it I called and asked if they could send me a copy of the civil complaint. I was transferred to a gentleman by the name of XXXX. I asked for his last name and he refused to give it to me saying he was not obligated to do so. He stated that he could not send me the civil complaint and said that because of the questions I was asking that he felt like I was being coached on what to ask He then stated he would revoke our payment arrangement and would no longer accept it and would just see me in court. He became very rude and hostile and hung up. I called back asking for his last name and again questioned why he would not send me information the the charges. He then hung up again. I called my bank and cancelled my card. The company name was the XXXX XXXX. I am questioning the legitimacy of this company and the call.
Product: Mortgage

Loan closed in XXXX XXXX. XX/XX/XXXX a new " escrow charge '' appears on statement for {$520.00} from an " escrow analysis ''. Company representative explained that there were additional taxes and fees that were owed from XXXX and XXXX after a review. Does not seem fair that they can charge and additional fee without warning more than 6 months after escrow has closed.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Bank account or service

I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it!
Product: Credit reporting

Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I applied for a loan with XXXX XXXX. My application was denied because when my credit was pulled it one showed 1 paid off tradeline which belongs to me but is not all I have on my credit. I have a membership with Experian ( member XXXX ) and it shows my correct information less this closed out account. I was told to contact Experian which I did and after review they found in error that it was two profiles under my identity. Not like theft but two credit profiles instead of one correct profile with all my tradelines and information. I was told a ticker needed to be put in and they would MERGE the XXXX profiles and it would be corrected in XXXX business days. I waited the XXXX business days called Experian to make sure it was fixed and was told case # XXXX was closed and it had been merged as requested. I asked numerous times if this was accurate and was told by the Experian rep it was fixed and completed. I called XXXX XXXX XXXX to resubmit the application and it came up still incorrect. Now I have XXXX inquiries and still no fix. Called back and was told by another rep at Experian it wasn't finished and to wait until XXXX XXXXXXXX and it would be completed. I waited until Friday, contacted XXXX XXXX XXXX and they ran my credit again it was still inaccurate. My profiles still are not merged. I was lied XXXX on XXXX different occasions and it still isn't corrected as of XX/XX/XXXX. I applied for this loan with XXXX XXXX XXXX to do a debt consolidation and improve my credit and it's just been a nightmare and customer service is just awful and unhelpful. Worst experience I think I have ever been through and it's effecting my life in a major way. Nobody wants to help. No supervisors calls that were promised XXXX different times. Just my messed up profile and no help in fixing it.