23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments.

Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month.

Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship.

It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full.

If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month.

The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has sided technical issues, which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance and investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately
Product: Credit card or prepaid card

American Express saying when I pay my payment it 4 days late but they cant close my account because what happen cov19
Product: Mortgage

I have a home mortgage loan at JP Morgan Chase. I am the sole borrower on the loan. My son filed bankruptcy and listed my home as his primary resident. He does live at the home. Chase filed an objection to the Chapter XXXX Plan and subsequently withdrew the objection. On XX/XX/XXXX the court ordered that the claim of JP Morgan Chase was disallowed in its entirety. 
JP Morgan Chase stopped my automatic payment plan on my loan which resulted in a higher interest rate as I could not take advantage of the automatic payment reduction in interest program they offer. I have paid more interest on my loan since XX/XX/XXXX. I have called JP Morgan Chase on numerous occasions and they indicate they can not change how my loan is listed as they are protecting my son from eviction. 
This process by Chase makes absolutely no sense to me. l am being penalized for something totally out of my control. My son is on the title to the house but is not on any loan document as a borrower.
Product: Mortgage

We have on multiple occasions asked for a complete accounting on our loan, see previous complaints. We have hired 3 different companies in an effort to get a loan Mod and our mortgage company has never helped us. We were forced to file for bankruptcy to save our home, but the bankruptcy has put us in even further financial distress. We have made lump sum payments to our mortgage company of over {$100000.00} and our loan has only increased. When I look at our payment the money has been applied to " other '' and minimal amounts have actually been credited to principal, escrow or interest. Our interest rate changes are not calculated in a timely manner, and escrow charges do not make sense. I have not been able to get any assistance. Now, we face a sale on X/XX/17. XXXX, XXXX, XXXX is the Trustee, although we never received a new NOD and did not receive the notice of trustee sale in the mail. I also can not find any information on the site it stated I could find information. XXXX, XXXX, XXXX is listed as the lender on a different site where I did find information about our trustee sale. I am so confused by all of this, I do n't know where to turn.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX I was promised a product over the internet through XXXX XXXX for the amount of {$640.00} the person sending the product XXXX ( XXXX ) XXXX sent detailed photos of it as well, we talked for a few hours and I sent the payment over through XXXX XXXX to the account of XXXX XXXX, after asking him if he had shipped the item constantly he finally blocked my number and stopped answering my messages on the phone number XXXX ( XXXX ) XXXX, and the XXXX XXXX app, i kept messaging the person in hopes that hed respond and requested a refund on the XXXX  app I contacted Wells Fargo immediately that same night as I had just realized I had been scammed, I took 13 days for Wells Fargo to resolve my claim which ended in a denial, them claiming that it was denied because it was a authorized transaction .they did not provide a provisional credit or any support in the meantime the case was being solved, I am now lost of {$640.00} and in the process of appealing and escalating the claim through wells fargo, I just found out about the cfpb which is why I didnt reach out sooner.
Product: Mortgage

A mortgage modification packet was requested in XX/XX/2020. I received a letter dated XX/XX/2020informing me that they had reviewed my application and that I was not eligible for a mortgage modification but I was eligible for a short sale, or deed in lieu. The first issue is that according to the attached letter they reviewed my application however a modification packet was never sent. When I questioned the mortgage company about this they said that they did a streamlined modification that required no paperwork. According to all the information that I have read a streamlined modification was intended to keep homeowners in their homes with little paperwork rather than using no paperwork to remove a homeowner. I explained to the representative that I found a denial for modification hard to swallow when my financial situation was never looked at. The attached letter stated that I also had a right to have a second independent review. I requested this via email on XX/XX/2020. On XX/XX/2020 I called into customer service in regards to a letter that I had received regarding mail that was sent to the incorrect address. At that time I was informed of a foreclosure sale date on XX/XX/2020. I then asked about the second independent review. The customer service rep saw where I had requested it but could not explain why the review was never completed. She then told me I needed to submit an email asking that very question and requesting that the review be completed. On XX/XX/20 I sent an email along with all the attached paperwork requesting that Specialize Loan Servicing cease and desist any foreclosure proceedings until the second independent review was completed. At this time I feel like my rights have been violated because my modification was denied under false pretenses. Specialized Loan servicing reviewed no information regarding my financial health. They also denied me on the basis of loan to value numbers but provided no proof of what those actual loan to value amounts were. I am requesting that the CFPB hold Specialized Loan Servicing accountable for there actions and ask them to stop the foreclosure  proceedings until they do their due diligence in helping a homeowner stay in their home. I have also attached information from Specialized Servicing showing what streamlined mortgage assistance means and what they can do to help homeowners.I have been told that they can not reduce my interest rate because it was as low as it could go but after reviewing their own paperwork the interest can be reduced done to as low as 2 %. They also have many options on the attached sheet which I qualify for but have never been offered.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX  XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.
Product: Debt collection

I have attempted to contact this company several times about this debt in the amount of XXXX  but the correct amount is XXXXXXXX. I spoke with someone and they advised they could not show payment history due to it being charged off but are still collecting funds without third party. I have contacted the 3 credit bureaus and they have been unsuccessful with getting this debt removed or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Application created and submitted to SAVE on XX/XX/XXXX. 
Application review completed on XX/XX/XXXX. 
Application processed on XX/XX/XXXX. 

XXXX XXXX XXXX order in XX/XX/XXXX placed all current XXXX plans in an interest free forbearance. 

All of my loans are were in a SAVE plan at the time of the court ordered injunction and my interest rate should have been set to 0.00 %. My loans have continued to accrue interest since. I have called Mohela three times to inquire why my account is accruing interest. Each customer service agent has confirmed my repayment plan as SAVE and assured me the interest would be reversed and would be corrected on the next monthly statement. I have also attempted to contact them through their secure messaging system with no follow up from Mohela. I have requested monthly statements and documentation regarding my payment plan with neither being provided.
Product: Debt collection

Litigation in process act immediately you are in violation. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k  civil liability. 
I have been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer. Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I do not consent to e-OSCAR or any means of automated verification as they are in direct violation of the Fair Credit Reporting Act. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
These items should be deleted immediately while in litigation per FCRA guidelines. If you fail to comply with XXXX XXXX and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. 
List of accounts below that need to be deleted immediately : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I do not consent to e-OSCAR or any means of automated verification as they are in direct violation of the Fair Credit Reporting Act.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

1. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 

XXXX XXXX Account # : XXXX Date opened XX/XX/year> Amount XXXX Please remove it from my credit report. 
2.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
Product: Debt collection

Convergent XXXX XXXX has not removed the fraudulent negative remark on my Credit report after Convergent fraudulently acquired my Personal Identifiable Information to collect on a debt of a 3rd party. It's still showing on XXXX.
Product: Credit reporting or other personal consumer reports

I was looking over my Transunion credit report and found out there is an inquiry which was not authorized and was not made by me. The name of the lender is XXXX XXXX, inquired on XX/XX/year>. Please remove this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Affirm Inc for failing to validate three accounts on my credit report ( XXXX, XXXX, XXXX ). Despite my request for validation, Affirm Inc has not provided the legally required documentation under the Fair Credit Reporting Act ( FCRA ). 

Violations : Failure to Validate Debt FCRA 611 ( a ) ( 1 ) ( A ) : No verification within 30 days.

Impact : Continued reporting without validation harms my creditworthiness.

Failure to Ensure Accuracy FCRA 607 ( b ) : Inaccurate and unverifiable information damages my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy XXXX for the District of Maryland stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment with XXXX that shows late payment and I was not late I have disputed and sent in proof of payment history and sent in an email from the creditor that says it was not reported as delinquent. Experian keeps updating and saying debt was verified and how could it be when it is not correct and I have the proof.
Product: Money transfer, virtual currency, or money service

I was scammed of XXXX dollars with chime bank through a transfer of money from my XXXX XXXX account
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding their reporting of a late payment in XX/XX/2023 and XX/XX/2023 to the credit bureaus without providing me with the required written notification, as mandated by the Fair Credit Reporting Act ( FCRA ). 

The issue at hand revolves around Navy Federal Credit Union 's failure to notify me in writing at least 30 days prior to reporting a late payment on my credit report. Despite being a diligent member who values maintaining a positive credit history, I received no correspondence from Navy Federal Credit Union regarding the late payment in question. 

As a result, I am disputing the accuracy of this late payment reporting and requesting a thorough investigation into the matter. Specifically, I ask that the Consumer Financial Protection Bureau : Investigate whether Navy Federal Credit Union provided the necessary written notification to me at least 30 days before reporting the late payment to the credit bureaus. 
If no such notification can be confirmed, I request that appropriate action be taken to remove the late payment from my credit report. 
Ensure that Navy Federal Credit Union implements measures to comply with FCRA guidelines in the future, including providing consumers with proper notification before reporting negative information. 
I believe that accurate credit reporting is essential for maintaining fair and transparent financial practices. However, it is imperative that creditors adhere to the regulations set forth by the FCRA to protect consumers ' rights. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request prompt action to address the discrepancies surrounding the late payment reporting by Navy Federal Credit Union. Please acknowledge receipt of this complaint and provide updates on the investigation process. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX I sent Experian a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by Experian on Monday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with Experian for months information surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers licenses with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving. 

Today is day 5, I have not received any corespondents from Experian of them blocking this information. This is a violation. 

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law. 

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against Experian. 

**see affidavits attached**