23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX 2015 I spoke with a representative from Navient, and decided to increase my monthly payments to decrease the time I will be paying them back. I just got a notice that Navient changed my terms, and they decreased my monthly payment ( which increased the length of time I 'd be paying them back by 15 months ). I called Navient. The representative told me that " Navient had reviewed the original terms of the loan and adjusted them. '' This was without my request. What if I had n't been paying attention? How many people are paying attention? This seems like such a slimy move, a way to enslave people with student loans for longer. Perhaps reading this people would think oh good, I can pay less a month, and not Oh no, I 'll be paying for longer ...
Product: Credit card

I spoke with representative from Discover Credit card section, I explained I was having financial difficulty and wanted to enter into a forbearance plan or something similar I was told that if I could make payments that Discover would wave any late fees and bring my account up to date. I made deposits via XXXX XXXX XXXX, the more payments I made the further my account went backwards, I would make a payment and my balance would increase, Discover shows my balance as XXXX? Yet they claim I owe them over XXXX my line of credit was XXXX yet they now show it as XXXX? 
They depleted my account at XXXX charging me excessive fees while doing so
Product: Debt collection

I received a letter from a debt collection agency for {$10.00} for a medical service. I never received any communication from the medical provider that I owed this amount and the first I am hearing of it is from the debt collection agency.
Product: Credit reporting or other personal consumer reports

12 US Code 1431 ( b ) Issuance of XXXX XXXX XXXX XXXX XXXX  debentures ; Restrictions The office of finance as agents for the ( banks ), may issue consolidated ( XXXX XXXX XXXX XXXX  ) debentures which shall be the joint and several obligations of all ( XXXX ) organized and existing under this chapter, in order to provide funds for any such ( bank ) or banks and such debentures shall be issued upon such terms and conditions as such office may prescribe. 

XXXX as used in this chapter ( 1 ) ( A ) Bank. The term XXXX XXXX XXXX XXXX  or Bank means a bank established under the authority of this chapter. ( B ) Bank system. The term XXXX XXXX XXXX XXXX  XXXX means the XXXX XXXX XXXX XXXX under the supervision of the Director.

Director as used in this chapter ( 11 ) Director. The term Director means the Director of the XXXX XXXX XXXX XXXX. 

Debenture ( debt instrument ) in corporate finance a debenture is a medium to long term debt instrument used by large companies to borrow money at a fixed rate of interest .The legal term debenture originally referred to a document that either creates a debt or acknowledges it. 

In summary the banks borrowed your information and submitted it for some money without your consent which is I.D theft and now trying to put interest on it to make money. 

12 US CODE 1431e ) Acceptance of deposits ; restrictions on transaction of banking business ; collection and settlement of checks, drafts, etc. ; charges ; rules and regulations ( 1 ) Each XXXX XXXX XXXX XXXX  shall have power to accept deposits made by members of such bank or by any other XXXX XXXX XXXX XXXX  or other instrumentality of the United States, upon such terms and conditions as the Director may prescribe, but no XXXX XXXX XXXX XXXX shall transact any banking or other business not incidental to activities authorized by this chapter. 

So if you get a loan from the bank they get all your information you give them consent to your credit card which is your social security # and then turn around and they give your information to the office of finance or whomever for the loan without your consent Thats identity theft and they mislead you so there true intention of the transaction is false which is a violation under 15 US Code 1611 whoever willfully and knowingly 15 us code 1611 ( 1 ) gives false or inaccurate information they willfully and knowingly lied bc they know they can not themselves out of their bank account give you money for the loan. 

Also a violation under 15 us code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This bank is reporting to the agencies that they gave me a loan when they cant lend money so now it is not being reported 100 % accurate and must be removed.
Product: Mortgage

In XXXX, and XXXX, I suffered XXXX difficult pregnancies both cost me tens, of XXXX of dollars. In XXXX my child was involved in a XXXX car accident which required XXXX surgery. In XXXX, the last of my hardships, was when my transmission died and had to be replaced. I have tried to reach out to Flagstar Bank for help with a modification but they have been delaying the process on each and every occasion. I even had to file bankruptcy. For many months I have been desperately seeking a modification. I have received lots of expert help from several resources. To no avail each time I got a DENIED! Our home is now upside down. We requested to do a short sale but were told I ca n't apply for a short sale until my modification has been denied. They keep sending letters saying the application is INCOMPLETE! Not denied so NO SHORT SALE! This time My point of contact XXXX XXXX said my file was closed out in XXXX and that I requested the modification less than XXXX days before the foreclosure sales date ; this is not possible because I received a Incomplete Information Response Notice from Flagstar dated for XXXX XXXX, XXXX. I was never notified that my file was closed. I have been sending in my documents to Flagstar Bank for months. They just keep delaying my modification process so they can illegally foreclose on my home. To this day I have still never received any type of formal denial letter that stated when or why my modification request was denied. They said my file is closed and have scheduled my home for foreclosure in less than XXXX weeks 0n XXXX XXXX, XXXX. My point of contact XXXX XXXX told me nothing can be appealed. This is legal. I 'm so exhausted and too weak to continue this fight! Can you please help me to save my home?
Product: Mortgage

The attached letter explains what I have been going through with my mortgage company for about a year. My husband was on the loan with me but passed away in XX/XX/XXXX. Chase told me that I had to remove his name from the mortgage before I could be even considered for any assistant. I started the process in XX/XX/XXXX and the process lasted about four months. In XX/XX/XXXX or XX/XX/XXXX. I was served with papers from the Sheriff 's office of a active Foreclosure with a sale date in XX/XX/XXXX. I contacted Chase and they suspended the foreclousure will they had me to fill out forms and send in paper work to be considered for a hardship. After about two to three weeks, underwriting denied the application. I was told to resubmit the form because, by myself, my debt to income ratio was to high. I appealed the decision because my daughter had moved in with me, which is permanent, and I used her contribution to the household. At that time, the denial was based on USDA guidelines were not met. No official letter of the decision. I found out by calling and inquiring, then they sent a letter of denial. I never received an official certified letter from Chase about the foreclosure. I believe that they told me to apply for assistance, knowing that they would not approve anything but to cover them. I feel that this was unfair treatment and showed no professionalism at all. The reason for denial now is that they have add {$38000.00} of arrearages for late payments, lawyer fees and whatever else that they could charge me and yesterday I was told my only option is a short sale and the house has to sell within thirty days to avoid foreclosure. This process has been overwhelming and extremely stressful. Our know there are other people out there that have experienced the same unfair treatment. The last denial was because of the arrearages, Chase never sent me a letter about any payments due until the foreclosure process began. They also said that due to UDSA guidelines, they is no assistance that can be offered. Please review their practices. If this does not help me, maybe the will rethink how they treat people when they are made to answer. This is a USDA back loan and I was told that Chase could help if they wanted to.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Information Pursuant to Section 605B of the FCRA XXXX XXXX XXXX Account # XXXX  XXXX Dear XXXX, I am writing to dispute fraudulent information on my credit report that has resulted from the recent XXXX data breach. As a victim of this breach, I am requesting the removal of all fraudulent accounts or information listed under my name, in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Under Section 605B, I am entitled to request that any fraudulent information resulting from the breach be removed from my credit report within four days of this dispute. Therefore, I am requesting that you : 1. Immediately remove any fraudulent accounts, inquiries, or other information related to the XXXX breach from my credit report. 
2. Provide written confirmation that these entries have been removed in compliance with the law.

As required by the FCRA, I ask that you process this dispute within the legally mandated four-day time frame. Please confirm in writing that these changes have been made and provide me with an updated credit report reflecting the correct information.

Thank you for your prompt attention to this matter. I look forward to your promptly response.

Sincerely,
Product: Checking or savings account

Wells Fargo close my accounts due to overdraft fees I know nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them
Product: Credit reporting, credit repair services, or other personal consumer reports

remove it : fcra violations : LAW OFFICES XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$670.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$670.00} {$670.00} Payment Info Original balance {$670.00} Balance {$670.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX - Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$12000.00} XXXX XXXXXXXX BANK NA {$1300.00} Closed 10 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1300.00} {$1200.00} Payment Info Status 30, 60, or 90 days past due date, was past due 120 days or more Status date XX/XX/XXXX Past due amount {$180.00} Highest balance {$1600.00} Monthly payment {$70.00} Late payments XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXView more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 3 late payments {$1100.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 47 % Balance on XX/XX/XXXX Credit Limit {$1100.00} {$2500.00} XXXX XXXX BANK USA N 7 late payments {$460.00} Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 92 % Balance on XXXX XXXX, XXXX Credit Limit {$460.00} {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed unauthorized inquiries on my credit report with TransUnion. Personnel has not investigated any of the numerous requests that I have submitted. Instead they send a form letter explaining inquiries. TransUnion has not adhered to the law, requiring them to investigate disputes.
Product: Credit reporting or other personal consumer reports

I would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with LexisNexis Risk Solutions, XXXX, XXXX, and XXXX, providing them with the following complaint reference numbers : XXXX for LexisNexis Risk Solutions XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.
Product: Credit card or prepaid card

I asked synchrony bank to delete my information from their computer programs since my account has been closed for several years. they refused and said that they are not allowed to remove any account information for 10 years as per their policy they are keeping peoples sensitive information in a computer that anybody could hack for 10 years after theyve closed the account. I asked them to delete my information today when I spoke to XXXX and XXXX with their accounts management team and both of them told me no, their system wont let them delete accounts, only customers from California can have their information deleted I want my information deleted from the credit card company. When I ask for them to delete it it should have been deleted years ago when I paid off the balance. That should have been the end of it. there shouldve never been a problem with my husbands account with synchrony, we accidentally paid on my account because synchrony bank did not actually close my account they only made it so I dont have any credit available but all of my information is still in their system. I would like all of my information removed from their system so that nothing like this could happen again and so that nobody hacking there system can get my information.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE OR OPEN THE ACCOUNTS LISTED BELOW. MY INFORMATION HAS BEEN EXPOSED IN SEVERAL DATA BREACHES AS WELL. I'M WORKING WITH THE LOCAL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TO PROSECUTE AND PRESS CHARGES. I WILL ALSO BE SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 AND SECTION 617 THESE ACCOUNTS WILL BE PENDING LITIGATION. I'M TRYING TO PURCHASE A HOME AND THESE ACCOUNTS ARE HINDERING ME FROM DOING SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with XXXX XXXX XXXX in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by money gram on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that XXXX XXXX XXXX told them that pay history was wrong. I also send a copy of XXXX XXXX transunion credit report showing this account is still open open on credit report.,
Product: Debt collection

This is in reference to a place called XXXX at the XXXX  previously owned by XXXX XXXX XXXX and now owned by XXXX XXXX. I had moved out 7 months or so after Covid first started and couldnt keep paying my rent from job loss due to Covid affecting my job industry. I dont recall the exact dates but before I moved out one of the staff told me that I wouldnt have to worry about the rent when I had asked about it, I also inquired that I knew the company that owned the property was receiving government assistance since it was considered a business and she ( the woman I spoke to had said that was true ). So, I also did ask if there were any penalties for moving out due to the current situation of that time and she said no. Apparently, the money I never sent XXXX for rent was sent to a collections company called PDM. I called PDM to try and understand or ask in other words how I had collections under them when the company that used to own the property no longer owns it. I gave my first and last name and was asked to verify my date of birth and last 4 of my social which I did not feel comfortable providing over the phone to debt collection agency I knew nothing about up until today when I went to speak with some of the staff that were there when the property was owned by XXXX. I do not recall receiving any sort of notification regarding debt from this collections company called PDM to verify anything and now Im being told that I cant lease or be put on anyone elses lease because of that.
Product: Credit reporting or other personal consumer reports

I am writing to formally document my dispute with Experian regarding inaccurate information on my credit report, which I initially contacted them about on XX/XX/XXXX. Despite my initial contact, I have not received a response from Experian to date. I am providing the details of the erroneous information and requesting the necessary corrections : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} The above account has never been reported as late, and it is essential that this inaccurate information is corrected and updated promptly on my credit report.
Product: Mortgage

We received a letter that someone applied for a mortgage on our home. IT Is NOT US. 
What do do we do now to protect ourselves against this fraud. We have NO Mortgage or liens against the property.
Product: Payday loan, title loan, or personal loan

I made my monthly payment due on XXXX using the online tool. Then I arranged to pay off my loan on Sat. XXXX after calculating their 'payoff ' calendar. ( Approx $ XXXX ) Since it was a holiday weekend, I figured they would process my payoff after the XXXX of XXXX weekend. I kept checking my online bank statement, but there was no indication of a 'pending ' withdrawal. Usually, when I make a payment online, it shows as 'pending ' on my bank statement within a day or two. 

I contacted the company 's customer agents, and the only answer I got was, " that should be processed soon. '' A week passed, and my bank statement still showed NO 'pending ' transaction. I contacted the customer service agent again, and one of them told me that they have a NEW PAYOFF COMPANY, and it's taking longer than usual. It is XX/XX/21, and still, NO pending transaction appears on my bank statement. Meanwhile, my credit score is declining because I took another loan offering a better term. Without Loanme taking no action, my total debt has increased. Loanme doesn't help me blaming solely on the fact they have a new payoff company.
Product: Credit reporting or other personal consumer reports

I was part of a data breach and would like to have everything removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureausXXXX XXXX responded in 4 days, XXXX in 6 days and Experian in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.
Product: Mortgage

I owe {$800.00} and change per month ( all included ) on my loan with loan depot ( a national lender ) I paid {$450.00} twice a month ( {$900.00} a month ) to add an extra payment per year. They received the money but argued that they are not equipped to take bimonthly payments and would apply randomly any {$450.00} to principal. 
After a few months they decided i owed them a full month payment. I called try to negociate the agent told me {$170.00} would put my account back in good standing. I said i had already paid much more than that and had never been late. But to avoid unnecessary stress decided to pay over the phone with a debit card. The agent told me he account was in good standing. 
Nevertheless they kept on sensing me texts harassing me that i still owed them {$90.00} I told them they could use any of thr overpaid money as i was not going to pay a penny more. 
They sent me back the {$170.00} and are now telling me i owe a full month. I need help
Product: Debt collection

I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.