23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, I am writing to formally file a complaint against U.S. Bank for unlawfully denying my request to reinstate my account after the period of forbearance, for which I was qualified under the new rules and regulations set forth by the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ). 
My account information is as follows : Account Holder : XXXX XXXX Account Number : XXXX Property Address : XXXX XXXX XXXX, XXXX Texas XXXX Background : In light of the financial difficulties I encountered due to the COVID-19 pandemic, I applied for and was granted a forbearance on my mortgage loan under the CARES Act. My forbearance period commenced on XX/XX/year> ] and concluded on XX/XX/year>. 
Upon the completion of my forbearance period, I sought to reinstate my mortgage account according to the guidelines and protections provided by the FHA and HUD. Despite my compliance with all stipulated requirements, U.S. Bank has unlawfully refused to reinstate my account After I received an approval of restarting my payment. This refusal directly contradicts the regulatory provisions that ensure borrowers in my situation have the right to reinstate their accounts.Now as of XX/XX/year> I just received a letter of Foreclosure Notice Complaint Details : Violation of FHA and HUD Regulations : U.S. Bank 's denial of my reinstatement request violates the FHA 's new rules and HUD 's regulations designed to protect borrowers after a forbearance period. 
Failure to Provide Adequate Explanation : U.S. Bank failed to provide a satisfactory explanation or valid reason for the denial, despite my multiple requests for clarification. 
Unfair Treatment : The bank 's refusal has caused undue stress and financial strain, as I have made every effort to comply with the reinstatement process in good faith
Product: Payday loan, title loan, personal loan, or advance loan

I returned merchandise to an online vendor. Affirm is " investigating '' the dispute with the vendor. I sent them all the evidence they requested : copy of sales order, copy of vendor return policy, vendor return documentation, XXXX tracking info on return package that shows the return package was delivered XX/XX/2023. The vendor stated that it had issued the refund on XXXX 

I lodged the dispute XX/XX/2023 and I must continue paying the loan plus interest until the issue is resolved. The original XXXX has emailed me that he passed the dispute to a " senior '' XXXX but it seems like a stall tactic so they can collect more interest from me. 

They acknowledged that they already have all the evidence so there should be no reason I need to provide it
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to formally notify you that LVNV Funding LLC is falsely using my personal information and details in relation to a debt, I have no legal contract or agreement with your company, nor have I entered into any financial obligation that would justify there claims. 

Your actions are not only unwarranted but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any applicable consumer protection laws. Specifically, the continued false claims and use of my personal information are causing undue stress and harm to my reputation. 

I demand that you immediately : Cease all communication with me regarding this alleged debt. 
Provide documentation or evidence that establishes the validity of your claim and proves my liability for the debt in question. 
Correct any inaccuracies or misuse of my information within your records. 
Failure to address this matter promptly and appropriately may result in further action,
Product: Mortgage

Loan # XXXX I am filing a second complaint because my issue was not addressed on the first issue that was submitted. I did not ask the company to reinstate the mortgage that was paid off. However, PennyMac should not report the account as closed. The loan was paid off in full and should be reported as such. The payoff of the loan should not negatively impact my credit score. I do not want the loan to reinstated, an account can be paid off and not reported as closed which is the reason why my credit score was impacted. I contacted the credit agencies and I was told the Penny Mac reported the account as closed. My mortgage was originally taken from XXXX and after it was fully paid the account showed a XXXX  balance but was not closed. The PennyMac account shows a closed status because that is what was requested by PennyMac. The company ( that is penny Mac ) needs to properly report the details that were sent to the credit agencies in order to rectify this issue. If it was not reported as closed, I need the information that was sent to the credit agencies in order to address this issue with them. I am asking the company to properly report the loan payoff as paid off and not request the account to be closed. While PennyMac does not have a prepayment penalty, they are intentionally reporting incorrect data to the credit bureau in order to discourage their customers from paying off their loans early. This is not fair and should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the inaccurate information on my credit report, as indicated below. After reviewing my report, I noticed a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report that I believe is inaccurate and needs to be investigated. I request that you verify the accuracy of this information with the original creditor. If this charge-off can not be verified, I ask that it be removed from my credit report immediately, as per the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,, NV XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Equifax and XXXX via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for XXXX XXXX XXXX and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, XXXX XXXX XXXX continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from XXXX XXXX XXXX without any documents proving the validity of the account. I have sent XXXX letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and XXXX XXXX XXXX has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Ive disputed this multiple times, with credit bureaus. The balances on Equifax and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my credit score lower each month this happens. XXXX XXXX XXXXXXXX restricts adding to the balance of the charge off account which is grounds to sue XXXX XXXX XXXX for violating state laws.
Product: Student loan

Aidvantage reported on the XXXX credit bureaus that I was late for payment for XXXX to 120 days late in XXXX. I was never late. In fact, I have been on the XXXXXXXX XXXX XXXX  plan way before XXXX and my monthly payment has always been {$0.00} all the way through XXXX and then in XXXX the president put a pause on all student loan payments and my program continued as {$0.00} plus the pause of no payment. I never ever ever once received a letter in the mail from the student loans at all about my account status or payment issues at all and my mailing address is current on my student loan account. The only letter I receive in the mail is when I contacted you last regarding the error on my report and I was sent a letter stating that I was in good standing and not in default, see attached letter ; but the credit bureaus still falsely show the late payments. 

Please remove the falsely reported late payments from all XXXX of the credit bureaus effective immediately. Thank you for your promptly update my records at all XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

I received {$500.00} from a buyer on XX/XX/XXXX to my PayPal wallet but PayPal limited my account and they do not respond to my request to help withdraw money or help make a refund and they simply ignored and did not answer the questions I asked more than once. I ask you to take action because this looks like fraud, illegal retention of my money and refusal to return money to the buyer
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I apply for a credit card and get denied by Capital One Bank N.A, so then I called them after 37 days because my credit went up and said tried to apply for it again and I got it! But, after a couple of days my credit went down significantly because I see some credit inquiries that I did not authorize. I tried to talk to representative but, they would really speak to me about this and said we are not responsible and would keep asking is there anything else you need help with and just then they would usually cut the phone on me. Now I dont know if they shared my personal information, or anything, but I would like for an Investigation to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB regarding a dispute of a charge with  XXXX . The amount has always been in dispute. As a result of that complaint, t he President 's offi ce of  XXXX  agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.   Nevertheless,  XXXX  reported my account past due with late payments assessed to all three major credit reporting bureaus. I have disputed this reporting with all three credit reporting bureaus and Experian has responded with an unsatisfactory result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to repair my credit scores Finally got my XXXX score in XXXX Equifax in XXXX and XXXX XXXX About a month ago both my XXXX and Equifax scores dropped significantly by over XXXX points for no apparent reason Everything is the same credit usage only 6-7 %, no new loans, last reported late payment over 2 years old The only thing is did differently was pay off a loan while my loan payments were current. 
There has to be a mistake. Im trying to refinance my mortgage and the drop in credit score hurts a lot! 
I need an explanation. 
Thanks! 
Respectfully, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

This is in reference to Barclay Card. They are not only calling outside of the XXXX - XXXX timeframe, which I have a log of when they call, but they have repeatedly called me at work at XXXX. When they call at work, I am on a recorded and monitored line and I could be fired for such calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX  XXXX {$220.00} XXXX  XXXX {$870.00} XXXX  XXXX  XXXX {$970.00} XXXX  XXXX  XXXX {$530.00} XXXX XXXX  XXXX {$820.00} XXXX   XXXX {$530.00} XXXX  XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX {$820.00} XXXX XXXX {$530.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$820.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

To whomever it may concern, I have XXXX American Express cards, both of which have been affected by problematic junk fee charges based on situations related to banking administrative errors, rather than lack of funds for payments. Complaint ID : XXXX was filed for a similar situation with my other AMEX card XXXX The excessive junk fees charged to my AMEX cards for an account that is : ( XXXX ) in good standing and never missed a payment/had late payment. ( XXXX ) only had payments returned because of negligence on the part of XXXX XXXX. I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX XXXX  said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to XXXX of my XXXX XXXX accounts. XXXX XXXX  then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge XXXX FEES for a single payment, amounting to XXXX {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. I am currently in XXXX, but before I left the country, I called AMEX on XXXX separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX All accounts that have this numbering I want them to delete it # 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
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took a loan with GoodLeap for a Solar System by XXXX XXXX XXXX. They promised that they would reimburse my loan payments if my Solar wasnt connected by time the payments were to start in XX/XX/XXXX. Everything with the Solar install project was fine until XXXX when I stopped receiving any updates from XXXX XXXX. I found out in XX/XX/XXXX that the company closed down. My first payment with GoodLeap was scheduled for XX/XX/XXXX but I removed my banking information and notified them that I would not be paying until what I purchase was in place. They still took out the payment on XX/XX/XXXX even though I deleted my bank account info from their site. They claim they paid XXXX XXXX in full fir my job and now its up to me to pay the loan and to complete the remaining process on my own. I trusted these companies to install solar and I was scammed!
Product: Credit card or prepaid card

XX/XX/2021 bank of America cashpay government card claims they put the XXXX on my account but i never received the money and on XX/XX/2021 the claim that they put XXXX on my new account but i never got it bc the sent both payments to my old card witch was stolen from me and i had the card closed and got a new card but they didn't send it to the new card they sent it to the old card and need both my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/2022, Experian notified me on XX/XX/2022 that they were opening a disputed to investigate the accounts in questions and it should take 30 days and the dispute will be completed on XX/XX/2022. However, on XX/XX/2022 Experian notified me that the dispute was complete and that accounts remain on my report. Experian has failed to complete thorough investigation of the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The other bureau has permanently removed the accounts from my reports as these accounts listed above 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.
Product: Mortgage

We received a loan modification back in XX/XX/2011, we had a 90 day trial and it was official. If we paid our mortgage on time we would receive {$1000.00} off our principal mortgage every year for 5 years and at the end would get {$5000.00} off the principal mortgage. We had this agreement with XXXX who sold our mortgage to Nationstar Mortgage Company 3 or so years into it. Nationstar and XXXX both assured us that we would not have a change of any kind. We continued to receive the {$1000.00} credit every year. We continued to pay on time. Yesterday I was informed that we were not getting our {$5000.00} credit because Nationstar claims they did n't receive my " Real Estate Fraud Certification ''. We not only sent this form 3 times by regular mail, we finally were granted permission to email this form. Prior to the due date ( which in not on the form they mailed to us ) we were told we could only send it regular mail. Every year when we received this incentive, we did n't need to fill out Fraud Certificaton paperwork. However, we did fill it out several times and yesterday I was told that the research Dept decided we could n't get the credit to our mortgage. I asked the representative to please allow me to speak to a representative in that Dept. and I was told they are in a back room and I ca n't speak to anyone from that Dept. They do n't have phones, instead I must email them. I then spoke to ( Supervisor XXXX ID # XXXX ) who assured me she would fix this problem, yesterday she called to say we would not receive the credit. We have worked very hard to maintain our end by paying on time consistently and feel we are entitled to this incentive.