23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX mortgage company placed my mortgage into deferment/forebearance in XXXX of XXXX without my consent. I addressed that I had been affected by the virus but was able to stay on top of my mortgage for a time with savings. I asked to be removed and to save the option for when it was needed. After exhausting all options I requested forbearance in XXXX. It was granted but the company advised I was previously entered and they had not yet updated my information. Their account XXXX XXXX XXXX got in touch with me and advised I would start fresh and my account was updated to reflect I had a XXXX year forbearance allowed as a result of being affected by covid. My business and income sufferred as did my clients. The forbearance was to start from XX/XX/XXXX to XX/XX/XXXX. I was required to request and extension every XXXX months. When I requested the final extension it appeared to go through online as usual. However, I sold my home in XX/XX/XXXX and my credit was severly damaged in XXXX after a 30 day late on my mortgage was added to my credit account. XXXX XXXX never updated my account to show the correct forbearance dates. And now that my account has been completely paid and up to date, they advised it is closed and they can no longer see the notes or fix it. In fact, they even sent a letter to my home after the fact advising my home would be short sold. This is horrible! The company has failed to correct and error and now my credit is suffering and it impacts the purchase of our new home. Our family has no place to go. How can the lender be allowed to do this? Never was I called or a certified letter sent to inform me of this. It was an error on their part and even though I have asked them to investigate and repair it- they deny having made any error and refuse to delete the negative credit item. I provided them with the email requesting the details and the account XXXX who stated this would be resolved and my forbearance reestablished for the year ( as needed XXXX months at a time ). Please help!
Product: Student loan

Please see complaint XXXX for background. The credit company listed in previous complaint would not answer my attempts to resolve debt. New York HESC passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and NY HESC documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Closed XXXX account bundled with XXXX DSL Internet Service. Returned XXXX equipment, however XXXX indicates that equipment was not returned and has placed account for collection. Repeated attempts to collect on debt that is not owed due to proper equipment return process.
Product: Credit card

I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi!
Product: Credit card or prepaid card

Like to get Covid assistance on 3 Barclays credit card accounts.
Product: Debt collection

I opened an account with online retailer XXXX XXXX inXX/XX/XXXX. I paid my bills monthly. In XX/XX/XXXX-XX/XX/XXXX I ordered XXXX decorations. The items were of poor quality so I paid for the return. Multiple customer service representative verified the return but stated all items were not in the package. I wrote multiple letters asking them to check their warehouse and the post office because it was returned. They refuse to give remove the collection item.
Product: Checking or savings account

Please see the attached letter to Mr. XXXX XXXX, Chairman and CEO, JP Morgan Chase detailing Chase Bank 's failure to perform its fiduciary responsibilities in protecting the funds of XXXX XXXX, a XXXX year old vulnerable adult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$340.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XXXX XXXX I call XXXX XXXX XXXX. I paid a collection XXXX. XXXX XXXX i dint reconize this account but needed to be deleted from my credit report. Im trying to improve my credit. I want to buy a house. I said I wanted to pay for a delete they told me it was ok. 
i ask for a prof they told me i will recived a deleted prof letter. never recived nothing. and they just updated this account now is still hurting my credit. it hard paid a account i dint reconize and still hurting me. My dream of buying my house is getting hard. if there a way this account can be deleted of my credit. I would be very grateful. Thank you. 

God bless you.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS XX/XX/2022 {$430.00} All I wanted is that this of my credit report and boost my credit that it
Product: Checking or savings account

On XX/XX/2024. I went over to my scheduled meeting to open an checking account during the promotion period with a JP Morgan & Chase Co. banking employee at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I was asked for proof of identity, address and citizenship, I presented my NY state issued Driver License and Social Security card along with my utility ( gas ) bill, banker lady accepted these documents and asked me for my citizenship, I was told twice only way to proof this is to present an US Passport, Permanent Residency, or valid Employment Authorization Document Card. I did show my EAD card along with my Alien Number stated on it and unfortunately the banker lady couldnt approved it due to the expiration date has past, then I informed her about the Federal Register Rule for Temporary Increase of the Automatic Extension Period of Employment Authorization and Documentation for Certain Renewal Applicants, DEPARTMENT OF HOMELAND SECURITY 8 CFR Part 274a [ CIS No. 271422 ; DHS Docket No. USCIS 20220002 ], I have presented the Government website which this matter is issued to the banker lady but she was unable to accept this Federal Rule after confirming the rule with her manager and then told me that I would get a call from the complaint department of their bank and I did. Unfortunately, JP Morgan and Chase Co. was unable to open a checking account for me because of their policy. I honestly could not understand how a public bank can ignore the Federal Rule to recognize me and I request from your Bureau to help me solve this problem by the law.
Product: Mortgage

The original principal amount of the mortgage in XX/XX/XXXX was {$530000.00}, as at XX/XX/XXXX when Statebridge took over, the monthly payment was {$3600.00} and was for the 30 yr term, we were behind on payment for couple of months and the outstanding was added to the principal balance. Statebridge did a loan modification, and extended the term to 40 yrs, so instead of a maturity date of XX/XX/XXXX, it was extended by 13 yrs to XX/XX/XXXX. They gave us a supposed relieve to $ 2604 monthly payment for 5 yrs and then {$3600.00} for the remaining 35 yrs at an higher interest rate, which is a rip off. Also the " the interest rate will reset to rate of the original note is ambiguous and deceiving, because even though the rate at origination of the loan was 5.95, XXXX XXXX had reduced the rate to 4.95. Statebridge made us believe they were helping us with modifying the loan but they actually hurting us on the long run, this is a sharp practice that needs to be investigated, the loan has been sold many times afterwards fro profit at our detriment, now they new service XXXX XXXX was us to start paying {$3600.00} at a rate of 5.95 instead of 4.95 as received by Statebridge for the remaining 35 yrs. If we had understood the implication of what they made us sign we would not have signed their deceptive loan modification in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an inquiry made on all 3 of my credit reports ( XXXX, XXXX, XXXX ), on XX/XX/2021, that I did not authorize or have knowledge of. I have never even heard of the company. I contacted Flagship Credit and they refused to look into it or even dispute it. I am requesting to have this inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX  XXXX  XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, six different companies pulled my credit report. Which I didn't authorize or agree to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies that Equifax had a security breach where over XXXX XXXX consumers personal information was stolen from Equifax which violates my right to privacy Therefore causing settlements to be paid which acknowledges their wrongdoing to keep my personal information safe.
Product: Credit card or prepaid card

Synchrony Bank issues the PayPal MasterCard. They detected possible fraudulent activity and sent me a text to confirm if I made the purchase. I replied yes and they continued to decline my intended purchase. They locked my account ( XXXX ) after so I called on XXXX to resolve my issue. The bank told me my account was good to go and the issue was resolved. I tried purchases later in the week and realized my card wasn't working. I checked my account again on XX/XX/11 and saw my account was locked. I called again to resolve the issue and was told I had to submit videos of myself and my drivers license to resolve it. This was unnecessarily intrusive based on what I have needed to do with other credit cards. The application they made me use did not work well at all and could not verify my account. I must now wait 7-10 days for a mailed verification letter. This is an unnecessary process.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting TRANSUNION 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. 
On top of that, The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D is also being violated because after multiple disputes the unverified inaccurate items are still illegally reporting to my credit report.
Product: Credit card or prepaid card

A credit card from Capital 360 was opened in my name. I contacted them and had them close the account and set an alert. 

I also put a Credit Freeze on XXXX, XXXX, and XXXX. 

What else do I need to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection was paid and the company was supposed to remove the collection from. All credit reports I have spoken with them and nothing has yet to be updated. And this is costing me financially and also hindering me from obtaining any lines of credit.
Product: Credit card or prepaid card

Two fraudulent charges were made to my account on XX/XX/XXXX by a company I did not recognize ( XXXX XXXX XXXX [ XXXX ] ) for a total of {$1300.00}. I immediately reported the fraud. Later I received the fraudulently ordered merchandise to my house ( billing address for the Credit Card ) and contacted the merchant. The merchandise was returned to XXXX on XX/XX/XXXX ( UPS tracking ). I have spoken multiple times to both the Credit Card Company ( Barclays ) and the Merchant ( XXXX ) and each is saying the other is responsible for refunding my money. 

Attached are the letter I sent to the Credit Card company, with a summary of time lines, proof of merchandise return, and the email conversations I have had with the merchant.
Product: Debt collection

Around XX/XX/2015, I checked my credit report and discovered a collections account with the amount of {$640.00} owed to my previous apartment complex. I contacted the creditor to find out more information about the debt owed and received a letter containing the amount owed and a complete breakdown of charges. 

Upon receiving the charges, I noticed additional charges added to my account on the original creditor 's behalf. I.E. the creditor decided to replace all of the carpets in the apartment on their own behalf and charge me for the carpet repair. The carpet had been used under normal wear and tear conditions thus I should not have been charged. Luckily, I always prepare for situations like these when leaving apartments and I took an exit property video showing the condition of the entire apartment on the last day of occupancy. 

I contacted the agency and provided them with the video needed to support my claim. 
My initial contact with them in regards to the adjustment was denied. I followed up again with a written document requesting that the balance owed be adjusted to the correct amount and I agreed to pay the correct amount owed under the terms that they cease reporting to the credit bureaus. 

I received a response in which they ignored my offer for the correct balance payment and they offered a reduced number amount but also ignored my request to end reporting this account as negative.
Product: Credit reporting

XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XX/XX/XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, XXXX copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XX/XX/XXXX
Product: Checking or savings account

i am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit since XX/XX/year> and any other incoming deposits. Capital One has cited 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 in investigating this matter to ensure my rights are upheld. I have attached proof that my check was paid and is not in my bank account for more than 48 hours.
Product: Debt collection

The collection agency In Question is XXXX. I called and was told that I didnt have an account with them nothing could be found I called back a second and third time to be for sure cause this creditor is not on my other XXXX credit reports it is only on experian after calling XXXX i I found that experian sold my information to a debtor whom Ive never had a contract with that debtor sold it to another debtor experian is involved with this process because I have complained numerous times and they keep putting items on my credit report that is not acceptable or accurate. The debtors are receiving money through income tax write offs and playing double jeopardy by selling consumers information to third partyvl debtors that I donot have a legal binding contract when I made the initial complaint about experian retaliating by blocking my info to a mortgage lender experian purposely input incorrect information listing my daughter as my spouse?????
Product: Debt collection

I'm serious about suing your company if you don't fix my credit report! You've ignored my requests to investigate and remove the late dates, violating the law. Remove the negativity from the accounts I mentioned immediately, or I'll take legal action against you in my county. Your lack of professionalism disgusts me fix this now or face the consequences! XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX  : {$5300.00}.
Product: Credit card or prepaid card

Unwilling to pay me my credit due. The Credit issued to a closed account via XXXX that was closed by capital without notification. So they still own me the credit account as the account was paid in full. They state they are unable to verify me.
Product: Credit card

I am reaching out due to 3 different disputes with 2 being from XXXX XXXX XXXX XXXX, on XX/XX/year> ( {$1100.00} ) and XX/XX/year> ( {$1200.00} ) The investigation of the dispute was not clear and did not end properly and AMEX denied my claim. I got my some work done to my car including a new radiator and oil change, etc, and a couple days later my car broke down and I called the shop to see what happened but they couldn't resolve my issue and said it was my fault. I used my AMEX card and AMEX couldn't resolve this issue either. The other one is another dispute with AMEX and it was on XX/XX/year> for XXXX XXXX XXXXXXXX XXXX ( {$2700.00} ). I bought a set of XXXX XXXX and I returned it a couple days later to the exact same store. The store said the issued credit will come onto my card but till this day it has not yet been received. I called AMEX and XXXX XXXX XXXX trying to get this resolved but neither parties could not help me. Please, it's been a while since these issues have happened, but this is causing me a headache and my only hope is to contact the CFPB.
Product: Debt collection

I called  XXXX   XXXX  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XXXX   and it was sold to them, they purchased it  XXXX  she said  .I a sked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers for new credit card thru capital one.I should n't still be responsible.