23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New company purchased my loan on XX/XX/XXXX. Contacted new company finance of America mortgages XX/XX/XXXX they informed me that my first payment is due on XX/XX/XXXX. XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX. spoke to them on XX/XX/XXXX. Was told nothing can be done not their fault they gave bad information. I 've never missed a payment before on the loan and upset because I used the money to pay other bills and will very difficult to make two payments at once
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, I deposited a check issued to me by the NC State Treasury in my North Carolina State Employee 's Credit Union 's proprietary ATM. The treasury check was a refund of my retirement contributions while working as a local government employee. Given the COVID-19 crisis and the update provided on the credit union 's website, the ATM seemed the appropriate choice at the time. The check totaled {$10000.00}. A State Employees Credit Union representative, XXXX, contacted me at XXXX XXXX, Monday, XX/XX/XXXX via phone. She left a voicemail stating that they were placing a hold on the funds until the morning of Friday, XX/XX/XXXX. I called the local contact number listed for my branch at XXXX XXXX, on Monday, XX/XX/XXXX to inquire about the funds ' availability. The representative that I spoke with via phone advised that the funds would be available at XXXX, XX/XX/XXXX. 

The Expedited Funds Availability Act states the following pertaining to this matter : 1. Cash and other next-day checks deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a Federal Reserve Bank or a FHLB ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) 2. Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ) A depositary bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depositary bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. 

I believe that the financial institutions hold on the funds is discriminatory. The account is over a decade old, and the deposited check issued from the State of North Carolina 's treasury. There seems to be no apparent reason that necessitates holding all of the funds in excess of {$5000.00}. It took a considerable amount of time to receive the funds, and are needed to purchase essential supplies and pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX.
Product: Student loan

On XX/XX/2019, I made a payment of {$160.00} to my loan servicer for one of my loans. During this time, I was also considering refinancing all of my student loans, both my XXXX XXXX XXXX loans and my private loans through Navient, into one through XXXX. On Sunday XX/XX/2019 I began filling out an application to XXXX to refinance my students loans by consolidating them. Monday XX/XX/2019 XXXX approved my loan application to refinance and consolidate my loans. 

I then called my loan service, Navient, to 1 ) get a 10-day payoff letter to provide to XXXX and 2 ) cancel the pending payment of {$160.00} so my 10-day payoff amount would be accurate. 

1 ) I was advised of the total amount of the 10-day payoff and that I would receive a letter in my Navient inbox through their website the morning of Tuesday XX/XX/2019. Navient has two separate inbox 's on their website - one for XXXX XXXX XXXX loans and one for private loans. I received a 10-day payoff letter in my XXXX XXXX XXXX inbox for an amount that is completely different that the 10-day payoff amount I was originally provided on Monday XX/XX/2019. So, I call Navient to get an explanation. I was then told it takes 24 to 48 hours to receive 10-day payoff letters ( remember that I was originally told that I would receive it " in the  morning '' ). I was also informed during the second phone call that I would be received 3 10-day payoff letters, not 1. All for different amounts that would total the single sum I was originally provided. I was also told that the previous person I talked to gave me incorrect information regarding when I would receive the 10-day payoff letter and the number of letters I was going to receive. I was then told that Navient would resend all the 10-day payoff letters I requested and it may appear confusing because I could potentially receive multiple copies of the same letter. I was also told that it would take an additional 24 to 48 hours to receive those letters, but would most likely receive them Wednesday XX/XX/2019.

2 ) I was advised by Navient that they were unable to cancel the payment of {$160.00} because their system is unable to cancel a pending payment once 24 hours has gone by, however it would take 2 to 4 business days to process the payment. Navient told me that I would have to contact my bank. I called my bank and my bank advised that I had no pending transactions from Navient. So, I put a stop payment on my bank account for Navient so if they tried to process the payment it would be denied.
Product: Debt collection

I received a phone call-in XX/XX/XXXX. Waited for a collection notice letter never received one. I then have sent two letters out certified mail one on XX/XX/XXXX and another on XX/XX/XXXX and still have not heard a word from the collection agency verifying the debt.
Product: Debt collection

I have tried many times to have this item removed from my Credit report many times and just keeps on popping right back on my credit report! I told them many times that my identity was stolen and I did report it. Now this company is calling my house threatening me and my family for payment? Can you please Look into this matter? Thank You!
Product: Checking or savings account

Received an unsolicited debit card in the mail from Cash App. Reference on the debit card was to cash.app/help and indicated the card was issued by XXXX XXXX  XXXX I do not currently hold nor have I ever requested to establish an account with Cash App or XXXX XXXX. I believe that there is potential fraudulent activity being conducted in my name. 

When seeking to contact XXXXXXXX XXXX the Bank website indicated that they were unable to assist and that all inquiries should be directed to Cash App, a division of Square. I called the number listed on the XXXX XXXX website ( XXXX ). The Customer Support representative that answered the call requested my e-mail so that I could submit photos of the card. I informed him that I felt that sending photos of the card was unnecessary and that I believed that my report and concern could be addressed via the phone. I offered to give him the debit card number at which point he indicated the only way to handle my report was to submit photos via e-mail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This all started in XXXX when I attempted to refinance with central mortgage funding LLC but we had multiple issues within the two months it took to close. The rep initially promised a lower rate than we were getting with our current lender. It turned out my score was just under what was needed so he stated I could remove my name from a card I was the joint owner on and that would move my score up. So, I did this and it did not work. He then stated I would need to put {$700.00} on the card I just took my name off of in order to move the credit score. When I stated that was not an option, because who has {$700.00} sitting in the bank and needs a refi anyway, he stated that the credit bureau had that account under investigation and we would have to go a different way to get the loan. 
Over the next month, we signed paperwork to start the process, which I thought was strange because I had refinanced before and only signed one set of paperwork at the end. The rep assured me this was just their process. I continued to ask questions regarding the total monthly payment and expressed concern over the bill continuing to be raised. He stated that based on the interest rate and the low score it was just part of the process. Two months in I was persistent in getting the final numbers before closing and was informed he would call the day before and go over all the paperwork. HE NEVER CALLED. The final paperwork was due to be signed and we were told at the table what the payment would be. It was on the high end but as long as we were getting the cashback we expected it would be fine. We signed and were told a couple of pages were missing but if they needed us to sign them they would call. We never got a call so we waited the expected three days for the cash to be deposited. The days went by and we started calling the rep asking what was going on. He said it's based in California so it may take an extra day or two to hit the account. By the end of the week if finally does end up in the account but we were {$5000.00} short of what we asked for. When I spoke with the rep he stated it was an oversight and nothing could be done since it was past the three days but in six months if we refi with them again we won't pay closing costs. When I explained that is not okay and this needs to be fixed, he sent me to the branch manager who again reiterated that since we are past the three days they can not do anything to correct their mistake, even though the original paperwork clearly showed the intent to have the additional funds pulled from the refinanced loan. 
This has been the absolute worst experience I have ever had with a company. I am now having to refinance the refinanced loan with the original company, which means double closing costs on what we originally wanted, just to get away from this company. DO NOT USE THIS COMPANY. They will swindle you out of your money and attempt to blame you for allowing it to happen.
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 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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX
Product: Debt collection

The caller identified themselves as RGXXXX associates and left a number and asked me to call them. I then XXXX  the company and discovered it was the same collection agency that keeps calling my number. I requested the name of the debtor and they did not. The last time I spoke with this company, which was approximately over a year ago, I asked them to stop contacting me.
Product: Credit reporting or other personal consumer reports

I have been a victim of several breeches i.e. XXXX... All of the following inquires were made fraudulantley : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 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 correct XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # 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 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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. 

XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The entire consumer credit reporting system is flawed, unconstitutional, and harms US citizens. 

Remember the banking crisis a few years ago when almost all the US banks failed due to making speculative bets on subprime mortages? The government had to bail them all out using taxpayer funds. I bailed them out. 

Remember when XXXX XXXX Bank failed and there was widespread fear of contagion spreading throughout the financial sector because these institutions are all houses of cards- overleveraged, interconnected, and underregulated. 

Why is an employer allowed to deny me a job based on the fact that I couldn't pay a cell phone bill XXXX  years ago or that I declared bankruptcy due to a divorce etc, but these banks can get all the money in the world at the snap of their fingers for fake digital coins and selling grey market loans - people 's savings and retirements gone the instant they collapse. It always falls on the government and thus the taxpayer to save them so they can then repeat the act. 

These instituions are private for profit companies, not public instituions. They make plenty of money with interest rate arbitrage and wild, complex financial derivative products that all accomplish the same end. Ripping someone off. 

Why would you create a consumer credit reporting system that serves the informational interests of reckless financial predators who can not manage other people 's money, so they can decide whether or not to extend credit to someone. Of course they will extend credit to anyone. As long as they can take more than they gave for that credit. In interest while solvent and in assets and future wages when not. 

Employers read these reports to discern between responsible and irresponsible job candidates. Housing agencies deny leases to people who they believe may not be able to pay their rent. Credit reports now dictate the entire lives of individuals. 

The entire system favors those who can get " credit ''. Those who can get credit are those who have the most credit cards open in their name with a long history of on time payments. Not the most financially responsible. Could have made just the minimum required payment ( which we all know will never pay off a balance due to compound interest ) and they'd be able to get loans or apartments or jobs. 

Problem is, credit isn't capital. It's buying something with borrowed money at high interest rates. All it takes is a variable interest rate and inflation to knock someone into bankruptcy. That credit score means nothing to the landlord. You can only borrow so much. Etc. In the end it serves no purpose. Just harms consumers. 

Make this credit reporting system illegal. It prevents people from being able to live according to their current means, denies people the ability to find employment and rectify their previous mistakes, and serves only the institutional usurers who can not even avoid going bankrupt themselves despite controlling the economy. 

Start monitoring the banks instead of hard working citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Date Opened : XX/XX/2013 Dear XXXX XXXX Experian This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached.. This account are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this account from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

Please remove it from my credit report or Im seeking litigation please delete. 

This account on my XXXX credit report has been on there way too long and inaccurate. When contacting the creditor they said they do not know why XXXX still is showing the account when it has been deleted on their end and according to them and XXXX has themselves deleted the account 2 years ago. They said its not up to them but up to them credit reporting agency. 

XXXX stated that it should of been deleted over 2 Years ago as it was a XXXX account
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed the reporting of inaccurate personal information reporting on my consumer report. According to 15 USC 1681 ( e ) ( b ) accuracy of reporting is in violation. Incorrect addresses are reporting to my Trans Union and XXXX credit report. XXXX is reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXXXXXX # #, 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 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 ) X1 ) 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 information is inaccurate