23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We closed on XX/XX/XXXX. Shortly after BSI Financial stated that we owed additional fees and charges to close out the loan. They are holding XXXX the closing of the loan until these additional fees are paid to them. They wont respond to any communication attempts by us the customers nor from the XXXX XXXX 's representative. 
XXXX XXXX XXXX representative said this is the 2nd time in 2 weeks that BSI Financial loan servicer has done this to their customers.

We have to pay the additional fees to see if they will finish their work on the loan. This is causing us extreme financial duress due to their unethical or incompetent actions in servicing our loan. 
This doesnt give any guarantee they wont keep holding us XXXX, nor close out our loan. 

We received multiple different PO quotes from BSI Financial, and each time the costs and fees keep changing, on top of the previous fees. 

If you Contact BSI Financial for Closing make sure that faxes or email, are sent from a law firm. I'm seeking legal council to sue BSI Financial right now. They wont respond to us nor the XXXX XXXX. 

When I call them, i never get through to a person, nor from the general sales rep can I get to anyone that can answer what they are doing with our closing and the reasons for the errors. They have no reasoning for the multiple increases in closing fees. They demanded additional money form the sale proceeds for the escrow that they drained for fees and charges, Also BSI Financial haven't paid the home owners insurance, which they said they paid out of escrow. 

They have a history of causing customers issues. I'm not sure how this company is still in business. 
https : XXXX XXXX can contact me for any closing related documents it may need.
Product: Money transfer, virtual currency, or money service

I have a cash app account with {$200.00} balance and cash app will not let me access my money in any way they told me that they would not help me at all
Product: Credit card or prepaid card

I ordered a XXXX XXXX from XXXX XXXX. At ordering everything went fine. I even got a receipt. However, when tried to login to payment center, they could not find my credit card number. After numerous calls, I found out they had not only canceled the order, but had canceled my card. Their reason was I did not make a payment. How can I make a payment, when I did not get a notice to do so, nor can I login to their payment site without their finding a credit card for me? I would need to set up an account based on the credit card number - XXXX. The company is Comenity-d.Comenity.com.net.
Product: Vehicle loan or lease

Santander consumer finance is adding fees and not applying payments that I have made to my account. The vehicle was paid off and they are not applying money to account. They have tried to repossess my car even though they have proof it was paid off
Product: Credit reporting or other personal consumer reports

I would like to ask for the 1099c filled with the IRS when my Accounts personal and business with XXXX was charged off. 
IRS regulations ( 26 U.S.C. 6050P ) require certain entities to file information returns with the IRS and furnish information statements to debtors, reporting discharges of indebtedness of {$600.00} or more. 

I need this to file my back and current taxes and be in compliance with the IRS rules. 
I will also like any and all the statements from my personal and business accounts be mailed to me at my address. 

i XXXX XXXX, A FEDERALLY PROTECTED CONSUMER, I AM writing to formally request to opt out of any and all authorization i the consumer may have given you, verbal and nonverbal, written or unwritten to the sharing of my nonpublic personal information or account with of your affiliate and nonaffiliated third parties, as well as any and all affiliates of XXXX XXXX XXXX XXXX XXXX ( XXXX ), as permitted under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, and any other applicable state or federal laws. 

Request Details Personal Information : My names is XXXX XXXX Account Number : Any personal or Business Accounts with your company I exercise my right under GLBA to prohibit the sharing of my nonpublic personal information with nonaffiliated third parties and request that this opt-out apply to any and all affiliates of of your company, unless such sharing is legally required or explicitly exempt under applicable laws. 
Scope of Request : This opt-out request applies to all nonpublic personal information your company and its affiliates currently hold, have collected in the past, or may collect in the future. 
Applicable Laws and Protections Gramm-Leach-Bliley Act ( GLBA ) : Your company is required under GLBA to notify me of my right to opt out of sharing nonpublic personal information with nonaffiliated third parties and affiliates where applicable. 

GLBA obligates XXXX and its affiliates to honor my opt-out request and implement appropriate measures to safeguard my information. 
Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I assert my right to restrict sharing of information related to my creditworthiness or other sensitive financial data with affiliates. 
State Privacy Laws : If there are additional privacy protections provided by state law where I reside, I assert those rights as well to restrict information sharing with affiliates and nonaffiliated third parties.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD TWO LATE PAYMENTS ON AN ACCOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURACY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT RE XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENTS WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. THANKS
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/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

To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX  cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the below inquiries : XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Floor XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of Identity theft and found numerous credit inquiries. I have no knowledge of. here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please Remove these fraudulent inquiries from my report. I also attached my identity theft report as well
Product: Credit reporting

I sent out a dispute letter via certified mail to TransUnion on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from TransUnion. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.
Product: Credit reporting or other personal consumer reports

At the offices of Rooms to Go in XXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into Synchronys system without providing me an opportunity to review the data. Synchrony issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my XXXX credit report. I have attached a photo of the Rooms To Go credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my XXXX and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming XXXX, Synchrony Bank, Rooms to Go and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.
Product: Debt collection

I have yet another complaint about the XXXX at Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ).

They unfortunately refuse to respond to any emails or contact unless I file a complaint with the CFPB. 

I'm attaching an email I sent them on XX/XX/XXXX. They have not provided a response to my questions and I would ask you to force them to respond.

I regret that this keeps happening, and really wish that they would just treat me with dignity and return my calls and emails so I do not have to keep escalating to the CFPB.
Product: Credit reporting or other personal consumer reports

Here is a firm and structured dispute letter for the unauthorized inquiries on your ChexSystems report : 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 Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED INQUIRIES UNDER 15 U.S.C. 1681b To Whom It May Concern, I am formally disputing and demanding the immediate removal of multiple unauthorized inquiries on my ChexSystems report. These inquiries were made without my consent and violate 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX. XXXX XXXX ( On Behalf of XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Dates : XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX LEGAL BASIS FOR REMOVAL According to 15 U.S.C. 1681b, a consumer reporting agency may only provide my report to entities with a permissible purpose. Since I never authorized these inquiries, they must be removed immediately. If any of these companies claim to have a permissible purpose, I demand written proof of my explicit authorization. 

FAIR RESOLUTION I demand the following actions : 1. Immediate deletion of these unauthorized inquiries from my ChexSystems file.

2. Written confirmation that these inquiries have been permanently removed.

3. If any company claims a permissible purpose, they must provide documented proof of my authorization.

Failure to comply with this request within 30 days, as required by law, will result in formal complaints to the CFPB, FTC, and my state attorney generals office, as well as potential legal action for noncompliance under the FCRA, which allows for damages up to {$1000.00} per violation. 

This is a final demand. I expect prompt action on this matter. 

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

I the consumer was affected by XXXX and had some financial hardship and had a late payment placed on my consumer reports by CAPITAL ONE in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including CAPITAL ONE to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call CAPITAL ONE to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to CAPITAL ONE and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6 years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to CAPITAL ONE headquarters on XX/XX/XXXX.
Product: Student loan

Since XX/XX/XXXX, National Collegiate XXXX XXXX has been pursuing a case about a student loan they said I owe. Over time I have asked them to submit the proof and nothing has been done. Since XX/XX/XXXX, they called and harassed me by phone and mail. I put in a cease and decease letter and they finally stopped and pursued a court case against me. I have submitted letter after letter to the law office and to the court. I have gone has far as sending the published legal case against this company but it has been ignored. I am reaching out because I need legal assistance with this matter but do not have the financial funds for a lawyer. I need to know how do I get help with this matter. The legal tea for NCT has now submitted this interrogatories questionnaire that I do not feel that I need to fill out because it would only be used against me in court. My court hearing is XX/XX/XXXX. I also researched that I had a loan with AES but when I filed for Chapter XXXX bankruptcy, AES cleared by debt entirely and NCT was the holder for them and still they are pursuing this loan. I need assistance with this case as soon as possible. I have attached all the documents I have regarding this case.
Product: Checking or savings account

On XX/XX/2019 I tried to make a deposit of {$200.00} using the ATM inside the lobby of my PNC bank, but Instead of using my debit card from the bank, I used my credit card by mistake when I put the {$200.00} in the ATM. The ATM took the deposit and gave me a receipt that said transaction can not be processed and kept my {$200.00}. I spoke to the manager XXXX XXXX he told me to have the issuer of the credit card file a payment research request with PNC so they can do an investigation to see what happened to my {$200.00}. I contacted the credit card company and the credit card issuer said they can not find the payment and to have PNC trace the funds. I consider this incident a malfunction of the ATM operated by PNC and feel that they should be able to investigate without need for a request from another company, the ATM receipt shows the time and sequence number, so PNC should be able to verify with video footage that Im telling the truth.. I would like PNC to return my {$200.00} that the ATM should have returned to me since the transaction could not be completed. Please see attachments. Thanks XXXX Pnc bank I used was the one in XXXX XXXX, Ohio
Product: Debt collection

This is medical debt. Service date was in XX/XX/XXXX, XXXX was placed in collections XX/XX/XXXX. It is my understanding that a collection agency must wait 6 months before reporting collection on credit report to allow a chance to settle. Credit Control Corporation did not wait 6 months to report collections to my credit report. 
I recently received a bill in XX/XX/XXXX ( see attached for reference ) for the amount of {$1000.00}, my original balance was {$790.00}. It is my understanding that collection agencies can not charge more than the original amount owed.
Product: Debt collection

I sent RC/RESURGENT RECEIVABLES A certified verification letter on XXXX the company didnt sent original documents to verify debt they continue to hit my credit XXXX Debt Buyer Individual XX/XX/2023 Collection account. {$770.00} past due as of XX/XX/2023. 
XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I submitted a complaint to Transunion notifying them that account XXXX XXXX XXXX was in violation of 15 U.S.C 1681 section 602 A. which states States I have the right to privacy.

and...

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 Transunion responded that everything was accurate, however the complaint was for privacy, not accuracy. Please provide my written instructions that state you can leally furnish my account as it is stated in 15 U.S.C 1681 Section 604 A Section 2 or delete the account.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my file and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

money lion lender app reporting late payments to my credit this company would not accept payments from my XXXX XXXX  or XXXX XXXX  app so company can not report me late or delinquent when they dont accept my payments from my bank please remove
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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 Section 2. It also states a consumer reporting agency can not furnish a account without written consent
Product: Checking or savings account

A XXXX ( Checking ) account was opened with MoneyLion on XX/XX/2022. My {$25.00} initial balance was supplement by a {$100.00} direct deposit from my husband 's job on XX/XX/2022. Because of the name mismatch, my account was closed on XX/XX/2022, and I am unable to access the balance. After initially being told the {$120.00} balance would be liquidated and mailed via check, I was told that the balance would not be returned due to an unsolvable " system error ''. Customer service agents and supervisors stonewalled me saying there was no way return the money.