23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I attempted to log in to my account and transfer money to pay a bill via XXXX through my bank account. Their software would not allow me to transfer the funds via XXXX. I called multiple times trying to fix the problem and the customer service reps either did not know how to fix the problem or did not want to fix the problem. At XXXX point they transferred me to an XXXX  person, but once that person understood that I had to use a XXXX  when accessing my account online, the XXXX  person had no interest in solving the problem and did not care that I was unable to use XXXX 's online service provided by my bank account. I am XXXX and do most of my business online via my XXXX  computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per informative research there has been negative credit reporting from my current mortgage lender on the following dates : 30 days late : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 60 days ) Dispute : XX/XX/XXXX, Carrington researched and advised my Forbearance plan expired on XX/XX/XXXX Although my loan was approved for a XXXX XXXX XXXX ( FHA ) XXXX XXXX Recovery Loan Modification in XXXX and my loan modification documents were drafted on XX/XX/XXXX Carrington advised in their response that they sent the modification documents to be signed however I explained never received them ; hence they were sent online through the website portal and I was not aware thats how they were sent. I was under the impression these legal documents were sent via XXXX and considering a recent change on mailbox locations I assumed they were lost in the mail. Nonetheless, they were then sent via mail and they were signed and notarized and XXXX. 

On XX/XX/XXXX I received a letter stating my loan modification documents received on XX/XX/XXXX were incomplete and a response was due by XX/XX/XXXX ( I should still be protected under applicable laws as a consumer and NOT have negative credit reporting as I was still under hardship ) I rectified the problem immediately and had the loan modification documents corrected by the notary as this was caused by the notarys error with a middle initial missing. 

In addition, the letter dated XX/XX/XXXX states that during the XXXX XXXX Forebearance period, Modification period there would be no negative credit reporting. In this case, the transition period from the forbearance period and loan modification overlapped and is not conclusive to negative reporting as a consumer and my rights have been violated as I advised Carrington of the unforeseen hardships and delay in modification documents. 

Lastly, the credit reporting on XX/XX/XXXX was also invalid as my attempt to make my mortgage payment on Sunday XX/XX/XXXX on the Carrington website was down and not accessible and I was unable to get in touch with a representative therefore I had to use the speed pay system which caused my XXXX payment to not post until the next business day XX/XX/XXXX I am requesting per the CFPB and DOJ that ALL the above concerns of negative credit reporting is removed from all three major credit reporting agencies for the following dates : XX/XX/XXXX, XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( XXXX late ) otherwise I XXXX need to seek a class action lawsuit, notify media and contact the Department of Justice for legal actions against Carrington XXXX unfair practices against consumers during the worldwide pandemic. 

Respectfully, XXXX XXXX XXXX
Product: Mortgage

MORTGAGE MODIFICATION : On XX/XX/2016, I submitted an application for a mortgage loan modification with my new mortgage company, Calilber Home Loans, who had recently purchased our mortgage from XXXX XXXX. XXXX sent a letter to our bankruptcy attorney ( Chapt. XXXX ) indicating we should apply for a modification. For 2 months and 3 weeks, I have submitted and resubmitted document after document, specifically, Transaction Summaries, among other things, regarding my husband 's Social Security XXXX credit and debits on the SSA issued XXXX XXXX Debit Card. I have been submitting, at Caliber 's request, updated Transaction Summaries numerous times and have explained, to Caliber 's satisfaction, I thought, that I did not have access to a " bank statement ''. I can only print Transaction Summaries from the account on the XXXX website. My application for modification becomes null and void on XX/XX/2016. It appears that Caliber 's convoluted, unorganized and cavalier approach to applications for loan modification are designed to frustrate the applicant at every opportunity and to stall the process until the application is null and void. Applicants can not speak directly to loan modification officers, only a " single point of contact '' individual who is the " middle man '' and who can do little to nothing to actually assist the process. They can only pass along what they read on the computer or are told, while the applicant is put on hold, what " they '' said. My bankruptcy attorney told me this process would be " difficult '' because mortgage companies really did not want to modify loans. I had no idea just how difficult and frustrating this process would be! 
Last week I was told by Caliber that I needed to resubmit the XX/XX/XXXX and XX/XX/2016 " bank statements '' for the XXXX debit card, which I did. I explained, once again that I could not access a " bank statement '' only a Transaction Summary. I was told that the submission would be forwarded to a supervisor for review and to call back in several days. I called today and was told that the Transaction Summaries were not acceptable and that I had to submit a bank statement. My submission is once again going to be submitted to a supervisor, because I apparently convinced him that every transaction on the debit card was recorded by date and amount on the Transaction Summary. 
I inquired as to why, after almost 3 months of submitting Transaction Summaries, I was being told, a week away from the deadline, that Transaction Summaries would not be accepted. Even if I could get a " bank statement '' I do not have time to obtain them before the XX/XX/XXXX deadline. It appears that Caliber deliberately waited until the last minute to tell me Transaction Summaries were categorically not acceptable in an attempt to have the time run out on my application which expires on XX/XX/2016 - eight days from now. Caliber had ample opportunity to advise me that they would not accept the Transaction Summaries in order to give me an opportunity to try to get them, if possible, and submit them in a timely manner.
Product: Vehicle loan or lease

Notice to principal is notice to agent and notice to agent is notice to principal. This dispute is being executed on Santander as they have breached the contract without cause, citing their inability to verify XXXX XXXX Social Security Number. Santander verified XXXX XXXX 's Social Security Number at the signing of the contract and credit approval however they alledge that they are now unable to verify the Social Security Number and they want the vehicle returned which would breach the contract. 
I put {$1000.00} down and signed contract and pulled off with vehicle on XX/XX/2019 I even spoke with finance company a few days later confirming everything finance company is Santander and place I purchased car is XXXX   XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received from you the following statement : XXXX This case was closed. 

This complaint appears to be about the same issues as your earlier complaint. 
This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 

Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. 

HOWEVER, THE CLOSED ACCOUNT IS WITH " REMITLY '' AND THE SECOND IS WITH " XXXX XXXX. '' Both vendors refused to accept my transfers. 

XXXX XXXX did something to blackball my name. Remitly accepted my transfer than one day later returned money and fee to my checking account. Remitly then closed my account. 

Something is wrong somewhere. Please find out why REMITLY acted in such an unprofessional way. Why did they act that way? Get their reason and we will begin to get a handle on the problem. 

I tried calling both XXXX XXXX AND REMITLY without any success. Both companies don't make it available for me to talk to the individual that can slove my problem. And that's the reason I come to you. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting Agency Act inquiries under the name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602.a States that I have rights to privacy 15 U.S.C. 1681 Section 604.a Section 2 : Also states a consumer reporting agency can not furnish an account or inquiry without my written permission.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$990.00}, XXXX XXXX XXXX Balance : {$3100.00}
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligations under fair credit reporting act and conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 
XXXX acct XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2013 until the present date the company XXXX has been reporting information about me to XXXX, XXXX, Esperian, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized XXXX to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted XXXX with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent XXXX XXXX a letter opting out the sharing of my personal information because I am a XXXX XXXX XXXX and this information might place me in danger.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted Transunion and XXXX regarding XXXX and XXXX ( XXXX ) fraudulent accounts that were created under my personal information. I filed a FTC report and affidavit stating same. XXXX agreed to delete XXXX ( XXXX ) accounts but stated XXXX ( XXXX ) account was being investigated and it would take 90 days before completed. Why? I do not know as I did not open this account. According to XXXX : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

Thats wrong, as the CFPB and FTCs brief explains. In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Those requirements would be meaningless if companies could continue providing unverified information and telling credit reporting companies that they could continue sharing it. 

Based on information above, XXXX can not verify this account and therefore credit reporting agencies should delete same until it can be verified. Transunion and XXXX are refusing to remove this account. XXXX said it does not give any further information to credit bureaus only states " it's under investigation ''. 

Please see attached documentation to all reporting agencies attaching FTC report and affidavit dating all of above.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX 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 XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. 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 XXXX XXXX, 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: Credit card

On XXXX XXXX I closed my account with XXXX because they were charging me outrageous late fees of {$40.00}, I disputed it with XXXX and got no results, I don't understand how they can get away with still charging me late fees after I had closed my account?? ( as far as Im concerned thats considered fraud and thats defiantly illegal ) Didnt know it was legal for them to be able to do that after an account has been closed, they are also charging me interest fees on top of late fees.. 

Even though I got no results they are still charging me late fees on my closed account and my balance keeps going up and up and up.. I am currently unemployed and have been since XXXX XXXX XXXX and dont know when Ill be going back to work or if Ill ever be able to go back to work due to an serious injury I had back on XXXX 

Would appreciate any help you can give me.. 
Thank you!! 
XXXX
Product: Credit card

It appears that Chase does not stand by its cardholders. Once again we received a XXXX answer from Chase ruling in the favor of the XXXX  in XXXX that scammed us for {$18000.00} and performed no services. We cancelled within less than an hour after we were coerced into giving him our credit cards because he indicated that I might die if his services were not performed. Under great duress we gave him 2 of our Chase cards but soon after cancelled within less than an hour ( see proof on file ) We are in disbelief that Chase chooses to stand by this merchant with no proof of services performed. Where is there compassion for 2 XXXX  people ( my wife and I ) against an unscrupulous doctor that extorted {$18.00} from us. Where is the justice. We hopeChase executives will review this case with some compassion for this situation and put a stop to this from this extortiinist. The final letter we received from Chase states while you have a valid complaint with the merchant the results of our investigation confirm that the transactions are valid This response from Chase is another indication that investigation does not include proof of services rendered. This is so unfair and shows us and others that Chase operates only by the book and does not take into account extending circumstances
Product: Credit card or prepaid card

I had a dispute on a charge on my credit card for a service I signed up for but had canceled 7 days after because of lack of communication and the difference between the paperwork and what was offered on the website to name just a couple of the reasons. 
I sent their paperwork to Chase which showed I would not be registered until I got a release from my doctor, they temporarily removed the charge because instead of the company refunding my money they let it stay on my card. The company cut off all communication. 
When I filed a dispute with Chase I gave all the contract paperwork. The company had a deadline to respond, which apparently they did, with a few of the pages ( not all ) from what I sent of the contract. I did not know until after Chase put the charge back on my card that the company had responded. Apparently, they had sent an email to me telling me to look into the docs on my account which had gone into the junk file. There was only this one notification. 
When I called Chase after seeing the charge again, I was told I missed my deadline to respond to what they sent even though Chase already had all the documents that I highlighted where it states, I would not be registered until a medical release was provided. 
Chase then told me to send them any new information I had and it would be reviewed. I immediately re-sent all the pages I had sent before plus an email from the Vice Mayor of the town where they advertised one of the properties that people would be staying at showing it was now vacant and the complaint # with the AZ Attorney General 's office I filed. 
When I called yesterday, I was told that Chase decided to allow the charge because I had missed the deadline, not because they had reviewed the documents I sent. And now in my Chase file, the notice from Chase says, " we will not respond to future correspondence from you about it. '' and they have removed all their correspondence and what they received from the company prior to this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, US DEPT ED XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

They are reporting XXXX account that is not mine, which is XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I was never notified about this loan or any payment issues until my credit score was impacted. I called Nelnet and they do not have my information in their system. I am asking to have it removed.