23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been enrolled in the Nationwide Bi-Weekly Administration ( NBA ) Interest Minimizer program for over 3 years. On XXXX XXXX, 2015, we noticed that our bi-weekly draws for our mortgage payment had not been completed, as scheduled with NBA. Upon contacting NBA, I was informed that all of their accounts had been suspended, and that we should have received an email in XXXX informing us of the situation. We had not received such an email. An NBA representative informed me that I should continue to make my mortgage payments to my financial institution on the normal bi-weekly schedule. I contacted the financial institution, and they said it was impossible to make bi-weekly payments to them. We would need to make XXXX payment per month, as before. Had this not came to our attention through our own personal accounting, we would have not known to send any payments to our mortgage lender, and would have ended up in default. On XXXX XXXX, 2015, I discovered, through an internet search, that the CFPB had filed a federal lawsuit against NBA, due to their ongoing dishonest practices against their customers, like ourselves.. My wife and I are asking to be included in that lawsuit as a plaintive, and to be eligible for any and all compensation that may be due my wife and I as a result of the current court proceedings, as we too have been deceived by believing that we were " ... saving thousands of dollars '', by allowing NBA to handle our mortgage payments. When, apparently, that is not the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance. Then have been reporting me late for 7 months straight. I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continually reinserting the following unknown collection for {$470.00} on my credit file. It keeps popping up on my report for the same amount but under different companies since XXXX with XXXX XXXX XXXX being the most recent : XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud & disputed all of the accounts on my credit report with evidence that it wasn't me that opened those accounts but Experian would not remove the accounts from my credit report. I don't believe that they conducted a thorough enough investigation to confidently come to the conclusion that they came to or they didn't investigate at all. I also have reason to believe that it originated from the data breach in the first place.
Product: Student loan

Hello, I desperately need help dealing with my Fedloan servicer. I used to be with XXXX  and then when I started working for a Non profit hospital I went for the loan forgiveness. So I started working for this hospital on XX/XX/XXXX and I filed a month later for loan forgiveness. I have now been with this company for 4 years. The first year I went to certify and was approved, However theydont want to count that year. Fedloan says they need to investigate my payments with XXXX. I have sent them everything they asked for and XXXX has too. They have been " investigating this for 3 years now and they said there is no time limit. Meanwhile they are no longer going to be my servicer after XXXX of XXXX so I need this fixed. I have spoke to so many people and get the same answers its under investigation. This is wrong I should have more towards this than what they are saying I do. Please help
Product: Checking or savings account

I have been charged for XXXXXXXX XXXX  products for the past XXXX months now. I have tried contacting XXXX customer support but I was unsuccessful because you need an account and you need to be logged into the account in question. 

I have disputed several of the transactions which resulted in a new debit card and denial of disputes. 

I am currently homeless living in a tent with no power and I have never owned an XXXX let alone purchased any XXXX products. These transactions have hurt me financially and I have had to spend all of my time disputing these charges instead of searching for housing. 

I have started off the new year negative XXXX and I am currently so broke I can't even afford to pay for my XXXX for an XXXX XXXX from a recent XXXX XXXX visit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm forced to walk everyday to survive during this brutally cold winter. 

I'm pleading with you to please reconsider your decisions based on my situation.
Product: Money transfer, virtual currency, or money service

My money was stolen from every account I had still having problems trying to receive it back I did a police report and still denying it and it was transfer out of Wells FargoXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as my EBT card and they are sending money orders and I never approved any of those transactions and I have my police report
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am trying to get a written debt validation from this company called " SIMM ASSOCIATES, XXXXNC. '', but they are refusing to give it to me. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), it is my right to receive in writing " letter '', the proof that this debt is owed.  They are constantly calling me, asking for payment and making threats about reporting this to the collection agencies. They are doing all this without showing me a debt validation. They are breaking the law and should be prosecuted.
Product: Mortgage

See attachments. 
Per US Bank XXXX in XX/XX/2023, " consumer needs to reapply for the unemployment forbearance. '' XXXX reapplied and faxed a second application to US Bank XXXX today. Consumer is isolated and getting NO ASSISTANCE ANYWHERE HERE IN FLORIDA to mediate this issue with US Bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sending this communication because my efforts to send this to you via US mail have not been successful. I have sent several letters since XX/XX/2020, hoping to see something returned. Can someone please contact me about this?
Product: Checking or savings account

On Sat. XX/XX/2023, I charged my PNC debit card {$41.00} at the business XXXX XXXX in XXXX, PA. This charge was correctly applied to my PNC checking account on Mon. XX/XX/2023. On XXXX XX/XX/2023, an additional fraudulent charge from the business of {$40.00} appeared in my PNC checking account. After contacting PNC Bank four times total on XX/XX/2023 and XX/XX/2023, they repeatedly refused to allow me to dispute this fraudulent charge and threatened to terminate my checking account. PNC is also charging me overdraft fees on this fraudulent charge to which I did not consent. If the fraudulent charge was not applied to my account, I would not have been overdrafted, and this PNC error is creating significant financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered ID theft at the hands of XXXX XXXX XXXX where they used my social security number for someone else 's account in XX/XX/XXXX-XX/XX/XXXX. This cause severe damage to my 35 years of perfect credit. I hired XXXX XXXX to help me. They did a very good job at getting this fixed but in XX/XX/XXXX they lost legal representation in my state of North Carolina. This left me with no choice but fixing my scores on my own and cleaning up incorrect credit information. I did pretty good with most of my left issues with the exception of dealing with XXXX  XXXX XXXX and XXXX XXXX. They are a major issue and totally unresponsive. Therefore, at the beginning of this year I hired CreditRepair.com. They said they could help with all my remaining issues. Instead, I discovered they are hard to get in touch with. Their people do not follow though or do anything. Their departments do not work in harmony with each other too. As a result, my credit scores have been going down instead of up even though I have not missed a single payment on any of my responsibilities. When I called them today I found a recording saying their staff was in meetings and their phone system hung up without taking a message. I tried using their chat function and that showed they were closed today during normal business hours. So I sent them an email message saying I wanted a complete refund and for them to stop charging me. They need to deal with my request immediately along with fixing their issues or be investigated and/or shutdown as a service. I am also very concerned about the security of all the financial information I have shared with them too!
Product: Money transfer, virtual currency, or money service

Hi, I purchased a Western Union money order at XXXX for {$100.00} on XX/XX/XXXX. The money was purchased for the DMV for my reinstatement fee. The money order was sent back uncashed. I followed the instructions to get the money back and agreed to pay their exorbitant fee of {$35.00} and sent the copy of the uncashed check. To date, Western Union has not responded. Please help me in anyway you can. I can be easily reached at XXXX, email. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by XXXX XXXX Background : First Request : Submitted to XXXX XXXX  on XX/XX/year>. 
CFPB Request : Submitted on XX/XX/year> after XXXX XXXX ignored the first request. 
Response : Both requests were denied and ignored by XXXX XXXX Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with XXXX XXXX  My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy.

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer.

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out.

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
- XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law.
Product: Credit reporting or other personal consumer reports

I reached out via the XXXX dispute center through XXXX XXXX to Jefferson Capital, XXXX XXXX XXXX XXXX XXXX XXXX to remove derogatory marks and late payments due to no knowledge or agreement to those companies to pay alleged debt and they could not verify the debt because they didnt have all my information nor could they explain how they acquired my alleged debt. And XXXX XXXXXXXX to remove previous late payments once my account was brought current as part of the repayment plan. None of the marks were removed within 30 days of dispute and currently still sit on my credit report making it difficult to obtain a fair credit report needed got daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
Transunion date open XX/XX/2019 XXXX date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting XXXX XXXX and Experian ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and XXXX XXXX are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.
Product: Debt collection

You failed to prove this account is mine and continued collection activity without validation. Your company 's action violates the Fair Debt Collection Practices Act, Fair Credit Reporting Act, HIPAA, and other regulations, resulting in a {$1000.00} fine plus costs. Remove this item from my credit report immediately, or I'll file complaints and take legal action for damages under the FDCPA and FCRA.
Product: Debt collection

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : 0 Reason : Identity theft Please remove it from my Credit Report.
Product: Money transfer, virtual currency, or money service

I have tried several times to disputes the transfer to Fifth Third Bank and they repeatedly said that their is no transfer of such. The mount is {$1300.00} with high investment of {$4800.00}
Product: Credit reporting or other personal consumer reports

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a XXXX  ( XXXX ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 )  XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting wrong innacurate personal information in my credit report
Product: Mortgage

On or about XX/XX/XXXX, I was approached by " XXXX XXXX XXXX XXXX '' about being approved for a home equity loan on my property in XXXX, Ohio. It was my parents home and my name was never on the title to the property. Never the less, I was approved for a XXXX loan ( I don't even remember getting that much ) Shortly there, the loan was transferred to " XXXX XXXX '' who ended up going bankrupt. They then put me on a forebearance plan. Then it was transferred to " XXXX XXXX  '', then XXXX now, it is with Shellpoint Mortgage Servicing. The loan was predatory in the first place, I should never been given that type of a loan, the way my financial situation was, then and now. I am currently in foreclosure and don't know what to do. Also, at the end of XXXX, the XXXX county auditors did an appraisal on all the property in the county. My house was determined to be only XXXX and the mortgage company is saying I owe them XXXX.
Product: Checking or savings account

On XX/XX/XXXX i openedd a new checking account online with Chase Bank with {$300.00} bonus included. On XX/XX/XXXX i received the Debit Card and i activated immediately. The next day i called Chase Bank, because i had a question for the {$300.00} bonus. Their Hostile representative told me that my checking account as been closed without giving me any explanation, plus she put me on hold for 30 minutes on purpose as a punishment. My Report with XXXX, XXXX, XXXX, XXXX  is clean & my SCORE is over 700. Chase Bank proved again that is a Criminal Enterprise , XXXX & Discriminatory Company. Chase Bank should haven't been in business as well as most Banks/Mafia, especially after XXXX. But the XXXX American Government Bailed them out with taxpayer 's money which they never paid back. Even their Bribes to XXXX Politicians was taxpayer 's money. And since XXXX the same Banks are Defrauding consumers & Discriminate against them, as it happened against me now & few years ago by Chase Bank. I don't know if i can expect any positive outcome from CFPB, since it is a Department of the Government that receives Bribes from Banks annually???
Product: Checking or savings account

I was assessed monthly maintenance fees for an account going below {$1500.00} daily balance per Bank 's terms. The balance was then brought above {$1500.00} during the statement cycle via deposit and credit by the Bank. At this time, the Bank assured me that I would no longer be assessed fees if I maintained the balance at or above {$1500.00}. I did so, and then on XX/XX/23 was assessed another monthly maintenance fee. I respectfully insist that this fee charged XX/XX/23 be reversed, and I subsequently not be penalized via fee or otherwise on XX/XX/23 since this fee on XX/XX/23 again caused the balance to drop below the fee threshold.
Product: Checking or savings account

Received 4 fraudulent transactions on my checking account from XXXX XXXX XXXX and I filed a dispute with the Huntington Bank. They initially provided provisional funds while the dispute was being investigated but a month later they resolved the dispute but withdrew the same 4 transactions from my account. upon calling them repeatedly, they mentioned that the researcher on their side determined that I authorized the 4 transactions using a SMS sent to my phone number. I never authorized these transactions and I never use XXXX. I think the bank should take these disputes seriously and credit the customer ( me ). Now I have negative balance and also have to deal with overdraft fees. Why are banks so irresponsible?
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. 

XXXXXXXX XXXX - ACCT # XXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

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

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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card and Wells Fargo. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Money transfer, virtual currency, or money service

I have an account with Venmo , LLC that was created with my old cell phone number and my existing email address. When I created the account I linked it to my primary bank account ( which is still on the account ). The handle is XXXX XXXX 

On XX/XX/XXXX a family member paid {$110.00} to this account ( Payment ID : XXXX ) but I am unable to access my Venmo account and my money because I do not have access to the cell phone number I had when I created the account. I have the correct login credentials ( login and password ) but Venmo is requiring a two-factor text to verify my identity. 

I contacted Venmo to help me reset the account. I provided my email address and banking details at their request ( which is supposed to unlock my account ). 

Venmo is insisting that I provide a scan of my face and Government ID to reset my account. They specifically said not to omit or cover any information on your ID. I think I should not have to hand over this personal data to this company since I have no assurances they will use it responsibly. 

I find it very disconcerting that they do not have a process to unlock my account without providing them with a scan of my ID and my face. They also have no way of reaching customer service except for submitting a case through their website and waiting for someone to correspond via email. Most responsible financial institutions have a process to establish identity by answering security questions or identifying past financial transactions known only to the real account holder ( old address, mortgage lender, etc ). Its almost like they are capturing my money by design.