23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Forbearance plan was put in place after Hurricane Harvey. I was already 2 months late before I called and requested assistance and had over $ 5K of late fees on my account. I was called and offered the plan and was told over the phone that if I make 12 monthly payments of {$1800.00} ( Normal payment was {$1300.00} ) starting on XX/XX/XXXX and didn't miss any payments the whole 12 months, I would be all caught up and have no past due payments and all of my late fees would have been paid off as well. I was very worried about the large payment, but I had no other choice at the time. It was a hard 12 months, but I was able to make all of the payments on time and made my last payment this past XXXX. I even called them early in XXXX to validate what I was told and that after I make my XXXX payment all past dues and late fees would be paid off and my normal payment of {$1300.00} would resume and be due on XX/XX/XXXX.  They told me " YES ''. Even the automated system said after I made the XXXX payment that my next payment due is in the amount of {$1300.00} and is due on XX/XX/XXXX. Now they are totally changing everything up on me and telling me that I still owe the late fees and that all of these payments I've been making all year were going to the past due amounts that I had before Harvey and that even though I made large payments in XXXX and XXXX it still shows those months as being not paid. I asked to speak to the person who set up the repayment plan and was told they no longer work there. Now when I go online it no longer shows that my next payment of XXXX is due on XX/XX/XXXX.  It now shows that it is due for XXXX and I am two months late on payments. RIDICULOUS. WHAT CAN I DO?
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 U.S.C. 1681. U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights. 

15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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

XXXX XXXX XXXX is the manager of my loan officer XXXX XXXX at Bank of America. I started to contact him regarding to my loan when XXXX XXXX was gone for vacation. I was told by XXXX that I could use my business fund to pay down payment and got a lower interest rate before he took vacation. I called XXXX XXXX and explained what XXXX told me. XXXX XXXX started to act as he was the boss. We just need to do what he asks. He does n't agree to give lower rate. He requested me to send all the invoices to my customers for a whole past year to prove my business fund is good fund to use to pay down payment. I did what he requested, sent all the invoices to him by email on XXXX XXXX. I followed up with emails and phone calls. But he never responded, and never gave any explanations. 

The loan was closed on XXXX and we never got lower interest rate as promised without any explanations. We are paying 0.25 % higher interest rate, about $ XXXX $ XXXX/month for mortgage payment now. 

XXXX XXXX is unprofessional and lack of professional ethics. He does n't have respect to other people and he treated his customers as his staff without respect.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. The inaccuracies are highly injurious to my credit score. 
this XXXX accounts have inaccurate information as you can see in the attach file in this report. Inaccurate like reporting the collection or late payment every single month which is not legal and the status are different across all credit bureau. The inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
The accounts are : XXXX XXXX  account number XXXX. 
XXXX Account number XXXX. 
XXXX account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XX/XX/XXXX After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was reported on my credit report. As of XXXX the balance is {$470.00}. On XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$610.00}. On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) reported on my credit report with a balance of {$3700.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was also reported on my credit report with a balance of {$830.00}. I have made multiple claims about these incorrect reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is outdated by at least 3 months. I need Equifax to update my credit score and send me a free copy of my credit report.
Product: Credit reporting or other personal consumer reports

Finding an error indicating a late payment on my account is XXXX, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Checking or savings account

I deposited a cashiers check. USAA has decided to hold that money for XXXX  days even if the federal reserve transfers the funds. This is a blatant attempt to stall my deposit while they collect interest on it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you Will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX ) ( XXXX )
Product: Money transfer, virtual currency, or money service

I would like all the money reported to be returned
Product: Credit card

I submitted a complaint a few weeks ago ; however, it was not resolved. Capital One 's executive offices contacted me ; however, they refused to work with my temporary hardship. After I explained what had happened after they asked what had caused this hardship ( a transition to a new career due to medical reasons, as well as a XXXX that was not covered under my insurance ), they put me on a brief hold and came back to offer me nothing. My current interest rate is 21.15 % on a balance of {$16000.00}. Interest each month is near {$200.00}. I explained that I am in training pay mode in my new job ( auto sales ) and make minimum wage, less than $ XXXX, gross. My mortgage on my house alone is {$1700.00}. It 's simple math. I make less than my mortgage payment, which leaves nothing for credit card debt, my car payment, electrical, etc. I had previously taken a high interest rate ( 14 % ) loan with XXXX, and retained half of that to stay current with at the least my mortgage and auto payment. I explained to the man that I in no way want to shun my obligations ; however, I would appreciate some help till I get on my feet again. Any chances I had at obtaining a personal loan had been abolished by Capital One 's sudden closing of four of my accounts without one missed payment, as well as XXXX with XXXX balance. They shut them down for " charges not consistent '' for what they expect. Within a week of their dropping {$27000.00} in credit, my credit score plummeted into the XXXX from the XXXX. I did nothing wrong! Within a few months I will be switched to commission and hopefully my income will increase substantially. All I asked was a reduction in interest while I am in the transition mode, which would be hopefully no more that 6 months. I can not understand why they could not grant this request when I have been a perfect customer for years with Capital One bank. My complaint is that they single-handedly destroyed my credit in one sweep, and now they refuse to lower my interest rate for a brief period of time. I was not asking them to excuse my debt. I am completely aware of debt relief agencies -- they advertise constantly -- however, I was trying to handle this the responsible way. I do not want to be forced into bankruptcy ; however, this bank has ruined my credit by suddenly closing four accounts for a bogus reason, and refusing to reduce my interest rate in return for their damage. Previously I had equity in my home I could draw from, now there is zero chance of that thanks to Capital One. Capital One reached out to me after filing the first complaint ; however, they offered no resolution at all. They should be held accountable for this kind of abuse. Again, I am asking for the same thing. In a good faith effort, I made the {$320.00} minimum payment after I was turned down by this representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint  account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with XXXX, Equifax and XXXX. I disputed both XXXX XXXX and XXXX XXXX with all 3 companies onXX/XX/XXXXXX/XX/XXXXagain on XX/XX/ again on XX/XX/XXXXagain onXX/XX/XXXXXX/XX/XXXX again on XX/XX/XXXXagain on XX/XX/XXXXagain on XX/XX/XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XX/XX/XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to XXXX  {$24.00} monthly since XX/XX/XXXXand I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies XXXX, Equifax and XXXX they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX  and XXXX XXXX.
Product: Debt collection

This company is failing to validate the information they are attempting to collect for. I paid XXXX ( original creditor ) everything that was owed to them as of XX/XX/2017. I have been attempting for several months to receive actual evidence of said {$20.00} debt, such as an itemized bill with payment history and the original contract. All I keep receiving are letters that say, " we verified that this item belongs to you '', without any information which is not validating the debt. Please help with this company as they are reporting negatives on my credit report. I have spoke to XXXX who have verified that this amount was in error on their end and has sent verification to Amsher but Amsher is refusing to speak to them the phone and or update this information. 

According to XXXX privacy policy, " When We Share Information Collected About You. We do not sell your name, address or phone number to others outside the XXXX corporate family to market those companies products or services. Account Holder. If your use of our products and services is in conjunction with an employer discount or multi-line account, your employer or the primary account holder may have access to your information. For Legal Process and Protection. We will provide customer information where necessary to comply with the law, such as disclosure of your information to a law enforcement agency for your safety or the safety of others, or when compelled by subpoena or other legal process. De-Identified Data. We may provide your de-identified information to third parties for marketing, advertising, or other purposes. 

This is also a violation of XXXX   privacy policy that they agreed to as I copied above.
Product: Checking or savings account

The Wells Fargo account was closed, according to the bank they told me that because there were fraudulent things, I called the bank several times explaining that my account was fraudulent and where I was I had no access to it, when I realized I called the bank immediately for several days because it never gave me an answer until they closed it, now I can't open in other banks or if they want in Wells Fargo.. I want to have my bank account either in this bank in another but it always tells me that it is not possible.. I need you to please help me
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report that I would like removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Commercial Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
US BANK - Commercial Banks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account XXXX XXXX has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.
Product: Debt collection

I found out back in 2017 that someone in XXXX, FL opened a XXXX account under my name ( without permission ). This bill/account was placed in collections by : CREDIT MANAGEMENT LP. I filed a police report for identify theft and submitted appropriate documents ( i.e. utility bill -to show that I live in XXXX , FL , the police report, consumer rights notice, fraud paperwork, and ID ) to XXXX and the debt collections company. However, the claim was disputed by the company and remained on my account. I have recently tried to dispute this account with the debt company and have been told again and again that " the information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. 

I need assistance. I am in the process of looking to purchase a home and I can not move further with the process because of this debt. I am extremely frustrated because I did not authorize anyone to use my personal information to open the account, yet I am being penalized for someone else gaming the system. The debt company did not conduct a proper investigation into this claim.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I had a debt with XXXX XXXX that was being handled for collections by an Attorney Gary Kreppel ( see attached ) .We arrived at a settlement and I advised I could pay by XX/XX/XXXX and it was agreed upon.The monies were sent but the check was never cashed.I am attaching evidence of payment and receipt of payment.The settlent letter evidences a date of XX/XX/XXXX but his office was informed that the earliest it would be there would be XXXX and I was informed that it would be no problem..He has been deceptive and I operated in good faith.I did n't receive the court notification until after the court date.i have moved XXXX in the last year.
Product: Credit card

Tried to log onto my Chase card account to pay my bill. 

Presented with 2 new documents to which I must agree or I will not be able to use on-line banking.

One of them is a 10-Page agreement. The other is a 125-page agreement. 125 pages! Buried in there is an arbitration clause that I managed to get myself out of -- but I could not do that until i already agreed with the 2 documents, because there was no way to get into my account to do so.

Who knows what else is in that 125-page agreement -- who has time to read it, then run down every possible action to undo ( if possible ) certain clauses? And there is simply no practical way to manage this account without online access -- and Chase knows that. 

Chase is taking advantage of its customers. If I could get rid of this card, I would. But I have all my points and status with XXXX XXXX, and they use Chase as their partner. So I'm stuck.
Product: Debt collection

I have had a checking account at XXXX XXXX XXXX XXXX many years ago that had some fraud activity on it. some one unknown to me had used my debit card and charged transaction on it on the gambling site which made my account over drawn. I had reported that to the XXXX XXXX XXXX XXXX fraud department and disputed the charges and i got my account credited and soon i closed the account and opened another checking account with another bank. and apparently they had reversed the charges and sent me to a collection agency by the name of THE BEST SERVICE COMPANY. I had contacted this collection agency and explained to the agent that the money trying to collect from me is due to identity theft and I asked them for the debt validation which I have not received any response back from them as of yet. they have cost me a great deal of high interest rate and in my last job I could not get promoted because of this company and that is why I am here with your help get this problem resolved.
Product: Credit reporting or other personal consumer reports

Reporting balanced that were not paid on the account after settlement.
Product: Payday loan, title loan, or personal loan

I have a loan with XXXX XXXX in XXXX OK. I have fallen behind because I got hurt at work and wasnt getting paid like Im supposed to. I called and told them my situation and asked what I can do about my late payment. She said theres nothing she can do. Whoever I spoke with at the time told me I have to give her a credit card number and exact date when they can charge it. I told her I couldnt do that because I really wasnt sure when I can make the payment. So she told me that she will have to call me everyday until I can pay or set up a payment. I told her I will just call the following friday because I will be working XXXX the next 4 days, but she kept on calling me everyday anyways. So friday came and I called them to let them know I still cant come up with the payment. Then another lady answered my call and told me that I can renew my loan and actually have a debt protection insurance Im paying for. So I went to their office the next day but when I got their they told me they actually cant renew my loan But instead they would do an extension but I have to pay {$3.00} in cash but all I had was {$4.00} in bank card. So I told her I will be back. I never got to go back coz when I  went to the bank I actually just have {$2.00}. Well then I didnt know what to tell them so I just didnt call them. The next day I was at work they were trying to call again. This time since I didnt answer they started calling my references, which is fine with me but then they started calling people that are not even on my reference. One was my sister in law, she said that when she called them and asked a lady name XXXX how she got her number, she told her she got it from a data base, it shows related people or something, then she also called an aunt from north carolina. But what I couldnt understand is how they called 2 people in california that dont have the same last name though they are my sister in laws sister and mother. They are people that I dont talk to.
Product: Debt collection

I had insurance coverage however for some reason they did not try to collect payment until a very later date and I have proved to them I was covered and they bill should be going to XXXX XXXX and XXXX XXXX of Florida. However they placed this on my credit and it is destroying me from moving forward in life with loans and etc.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report that I cant explain. I checked as usual, but this time there were unexpected discrepancies. I refreshed the browser, thinking it might be a glitch, but nothing changed. These inquiries are still there, and I need the documents Ive submitted to be reviewed immediately to put my mind at ease.
Product: Debt collection

XX/XX/XXXX i called SCA collections spoke with agent was able to help me to an exted i request itemeized statement was told yes i will send to your address stated they cant file with my insurance or medicaid. XX/XX/XXXX - i was looking for more information to become resposnsible but not willing to share or help me.
Product: Credit reporting

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number # XXXX No contract or no signature