23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the Months of XX/XX/2019 to the Day of XX/XX/XXXX I have received Email Transfer Message to be Applied to me for Payment Transaction to my Account. I applied PayPal Request Arrangements for All The Request for Payment Transaction .The PayPal Account is A XXXX XXXX Account The Is Connected To my XXXX XXXX XXXX XXXX Account which is Connected To my XXXX XXXX XXXX XXXX XXXX Account. The PayPal Request Arrangements was made by me for Request payment Arrangement.I do have the Information listed at this time. With Email Addresses and Money Amount's.1 from XXXX XX/XX/XXXX at XXXX XXXX   sent to my email address of XXXX for the amount transferred to my account for {$5800.00} PayPal Transaction I Don't U-sayXXXX .2 From XXXX on XX/XX/XXXXat XXXX XXXX PayPal Transaction I Don't U-2 XXXX. For that Amount of {$7400.00} to my email address of XXXX. XX/XX/XXXX from XXXX Transaction I XXXX XXXX for the Amount of {$2500.00} to my email address of XXXX 4 .On XX/XX/XXXX Request Payment for {$2000.00} to my PayPal account on XX/XX/XXXX from and to XXXX Transaction I D. XXXX. The Email from XXXX was from XX/XX/XXXX for being A Beneficiary of Her Estate Arrangement to Take The Amount of {>= $1,000,000} to my Email address of XXXX. 
5 XX/XX/XXXX from email address of XXXX for Payment Transaction to me for the Amount of {$1700.00} E-ticket # XXXX PayPal Transaction I D. XXXX Request Payment Transaction to my PayPal account and from my Email address of XXXX 6 XX/XX/XXXX from  XXXX for Several Transaction Amounts to my PayPal account I D # XXXX Transaction I D XXXX this is One Amount Request for {$3300.00} to my PayPal account sent to my Email address of XXXX XXXX : : PayPal Spoof @ paypal Customer Service has All Request Payment Transaction To me and my PayPal account Under investigation by XXXX XXXX This is A XXXX XXXX  Account under my Email address that is Registered on XXXX and XXXX XXXX. Please be Advised that I Also am A Member of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I have Alerts on My Social Security Number, Birthday Birth certificate and Ohio State Identification Number. Along with Multiple Addresses that are listed and Not Listed. Please check Credit Report and Any Credit Request Filed Under my Name and Sociak Security Number. Birthday. I also have One Son that has The Same Name but Different Birthday. Please file my Complaint I filed Thank You. 

They have a link to my account and it is frozen. I can not receive or load the card.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated them and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX 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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Consumer Loan

In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Debt collection

This company is fraudulent. I NEVER signed a contract with them, I was not asked for permission for them to report on my credit report and they have yet to supply me with needed information that I requested, yet they continue to malign my name and use my PERSON INFORMATION to lie and try to extort through my credit report. No good.
Product: Mortgage

Me and my family went through covid times just like everyone else in XXXX. During that time we applied for a forbearance plan that was not communicated at all. When we decided to start making payments again 4 months later freedom mortgage said we had to either pay the last XXXX months off or do a loan modification. Once we did the loan modification we settled with a XXXX APY and a XXXX mortgage payment. Once I received the documentation, my wife and I had signed it and returned it within the appropriate time. Apparently the paperwork had to be notarized but no one said anything about it. When I called and told them freedom mortgage said they would immediately send out a copy to complete on our end and notarized. I didn't receive the documents ever. Every week I called freedom mortgage to inquire about the docume ts for XXXX months. Once freedom mortgage finally sent me a letter it was about a new loan modification because I never signed the first XXXX. Which is wrong, we did sign them. I have a XXXX on record from freedom mortgage stating that freedom mortgage messed up and never got me the copy of the loan modification. But because they screwed up I missed out on a better rate and mortgage payment price. Now we have been forced to sign a new agreement for a much higher rate and payment. Higher than even my first mortgage payment. I am filing a formal complaint against freedom mortgage on playing the market and the economy against there word. Even with associates admitting to screwing up on this agreement. Please let me know what you need. Thank you.
Product: Debt collection

I was told by XXXX that my payments for student loans would be waived but they have not done so. It is destroying my credit. They have stated I owe XXXX. I do not have that by any means and I have placed it in forbearance numerous times. I was even incarcerated and they continued to call my wife over and over again. With the way the economy is setup I am asking that this please somehow be removed. Its hard enough out here as it is and this company uses improper tactics and Im trying to make a living the best way I can. Any help would be great. Please look into them for me.
Product: Checking or savings account

In XXXX of 2023, I filed a dispute with Navy Federal Credit Union against merchant XXXX XXXX XXXX XXXX. I received defective merchandise, and upon reaching out to customer support, XXXX XXXX XXXX offered me a gift card/merchandise credit to resolve the issue and repurchase items from their website. I agreed to this ; however, after following up with them XXXX times, they completely went AWOL leaving me with defective merchandise and no refund or gift card. Please see email attachments to corroborate this. Navy Federal will NOT return my money, in spite of me providing several pieces of documentation where the merchant themselves offers to correct the problem. This never happened. At one point, NFCU closed my dispute because they said they requested more information ; however, I never received this request and only saw it when I logged into my account online one day and saw a notice that I had a message from NFCU. I have provided Navy Federal with all the documents they requested. There is MORE than enough proof to credit my account the {$260.00} creating a circumstance where it's in arrears and debiting any deposits I make to the account. On top of that, NFCU allows creditors to debit funds from my account when my card is FROZEN in order to prohibit this. They are unethical in that they create situations to nefariously take consumers ' money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : Response to Equifax 's Reply CFPB Complaint # XXXX To Whom It May Concern, I am writing to formally respond to Equifax 's reply to my CFPB complaint regarding the incorrect information on my credit report. Equifax 's response fails to address the core issues presented in my complaint and instead attempts to delay resolution by requesting identity verification, despite the fact that my original complaint already contained sufficient identifying information. 

Key Issues Not Addressed by Equifax : Failure to Investigate and Remove Impermissible Late Payments As stated in my complaint, the reported late payments violate the Fair Credit Reporting Act ( FCRA ) because such transaction-based information is not permissible under federal consumer protection laws. 
Equifax has not provided any justification for the continued reporting of this inaccurate information nor confirmed whether they have conducted an investigation as required under 15 U.S.C. 1681i.

Unauthorized Bankruptcy Reporting I provided a letter from the bankruptcy court confirming that they do not report any information to third parties, proving that any bankruptcy data appearing on my credit report is unauthorized and inaccurate.

Equifax has not explained why this unauthorized information remains on my report, nor have they confirmed whether they have taken steps to remove it.

Failure to Acknowledge Secured Party Status and UCC Protections My complaint clearly establishes my secured party status under UCC1 filing number XXXX, yet Equifax 's response does not address my legal standing in relation to my credit file. 
Formal Demands for Resolution : Given Equifaxs failure to provide a substantive response, I demand the following actions be taken immediately : Remove all impermissible late payment data from my credit report.

Delete any and all bankruptcy-related reporting that was placed without authorization.

Provide written confirmation that the above actions have been taken and include a copy of my updated credit report reflecting these corrections.

Response Deadline and Next Steps Equifaxs failure to properly address my complaint and their attempt to delay resolution through unnecessary identity verification requests constitutes non-compliance with FCRA obligations. If Equifax does not take corrective action within 15 days, I will escalate this matter to the CFPB for further enforcement action, including possible legal recourse. 

I expect a prompt and thorough resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Student loan

I contacted Navient last week about putting a temporary hold on my student loan. They got back to me today to tell me that my only option was to call in. I called them today ( XX/XX/27 ). They told me in order to get forbearance I had to make a good faith payment of XXXX dollars in order to apply for the forbearance. I told them that I did not have the money for the payment or the " good faith payment ''. They told me it was their policy and the most they could do was extend the good faith payment by 15 days. I am XXXX  and have been for 4 months ; I can't make that payment or guarantee that I will have a check by then to make their deadline. This policy is not outlined anywhere on their website and when I asked for documentation they said they would have to draft something to send it to me. They provided no previous notification of this fee. The documentation has to be mailed to me so it should arrive in 7-10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Director XXXX, Perhaps my complaint is better handled by an Ombudsman. But, imagine my shock, when I received an unsigned letter from Card Services of Chase Bank. The letter, dated XX/XX/2022 ( received XX/XX/2022 ) informed me that all accounts were closed, including checking (... XXXX ) .which is the depository for my Social Security and subsequent dispersal for vital items ; including mortgage payments. 

There was no explanation other than a recent review, believed in our mutual interest ( I had not part in the mutual ) to close accounts due to inappropriate conduct with our employees. I know none of their employees. However, there certainly was a problem in early XXXX when a Chase employee in XXXX, XXXX screwed up a rather simple balance transfer meant to consolidate debt between a {$1600.00} account with XXXX XXXX and {$4400.00} with XXXX  XXXX XXXX 

The call for consolidation was made at one time, but ended up being interpreted by Chase as two requests : one at 0 % APR ( {$1600.00} ) and the other ar 8.4 % Variable Rate. Subsequent calls to Chase employees in XXXX, XXXX got the situation straightened out and horrible penalties reversed. No body bothered to check with me. 

I do not know Chases problem with training of employees in XXXX, but it clearly was not my fault. Conveniently, as stated in a letter dated XX/XX/2022, We were unable to review the conversation between you and the Chase specialist regarding the ( sic ) balance transfer due to a technical issue. ( Maybe training? ) Apparently Chase has resolved their technical difficulties and is currently practicing a new practice similar to red lining. This time, however, they cancel peoples accounts, but leave them listed with a XXXX circle. Very creative Chase!!! 

Anyway XXXX XXXX, though Chase clearly has training issues in XXXX, personnel in XXXX are outstanding and work in a customers interest. 

I would like their ( Chases ) decisions reversed to acquire time to move my accounts. I believe they owe me an apology for their mistakes, and all of the hours I spent on the line due to their ineptitude. Thank you XXXX!!!!!
Product: Credit card

Background : On or about XXXX, I entered into an agreement to purchase an XXXX  system from a reputable local dealer/integrator. 
A pivotal factor in my decision was the 'zero-interest ' financing offered by Home Depot through their Consumer Credit Card issued by Citibank , N.A . 
I was approved for a credit limit of {$14000.00} ; my first statement was dated XXXX. 
During the setup of this account, two decisions were made with the assistance of a Citibank representative. Both decisions proved problematic : o The Paperless Statements option was selected. 
o Auto-payments of $ XXXX were established. 

Issue : On XXXX, the XXXX promotional period ended. Unbeknownst to me, the total of auto-payments was insufficient, leaving a balance of {$2800.00}, triggering a lump sum interest charge of {$5400.00}. 

Explanation : My intention was always to pay off this credit account within the promotional period. 

Due to a change in my email security settings, Home Depot email statement notifications were filtered into a Spam folder for the past two years. I have not seen any email statement notifications since that change. 

I had mistakenly assumed the XXXX XXXX monthly payments were adequate. I expected that the Citibank representative would have advised me on the proper monthly payment during the account setup. 

Beyond email notifications, a call or text from Citibank to inform me of the carried balance issue would have been a professional courtesy. If notified, I would have paid the balance before the promotional term ended. 

Responsibility Acknowledgment : I acknowledge my responsibility to manage the account and pay the balance within the 24-month promotional period.

I also believe Citibank should bear some responsibility for failing to advise me on appropriate monthly payments and failing to make a better effort to notify me of the term 's end.
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX, XXXX, and Transunion for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ] The furnishers of information are also in violation for reporting these accounts pursuant to 15 USC 1681s-2. And the reason goes as follows.

These accounts are charged off/canceled debt in which I have not been provided a 1099c form. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and income does not get reported on a consumer report which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Mortgage

On XX/XX/XXXX, called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from you. My concerns are these : In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief.