23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started a loan assumption with Wells Fargo in XX/XX/year>, in XXXX I started sending information to XXXX XXXX to be sent to underwriting. I was given a closing date of XX/XX/year> at the beginning of XXXX. I am still being requested to send documents to be sent to underwriting. Recently I was asked for pay stubs from XXXX!!! Why wasn't that asked for months ago? In general, they just keep asking for more bank statements, then more checks, I keep providing the information and they just keep asking. This is getting very frustrating for me and the seller who is stuck in the hospital and can't afford hospital bill and to keep paying the current mortgage.
Product: Debt collection

My account number is XXXX. OnXX/XX/XXXX I called into XXXX XXXX XXXX and I spoke to a XXXX at XXXX. She started the call asking for my Social security number and then provided me with my first and last name. She refused to assist me and stated that she would not approve a payment plan for me because I would not give her personal information. I stated I what I could pay however she would not set anything up for me. She was unclear and would not answer my questions on what would happen to my account. I asked to make a payment and while I was walking to my wallet she laughed at me and was very rude/unprofessional. I called back and talked to a XXXX at XXXX he did not ask for my name or social security number and provided me with my account number over the phone. I am concerned about information released and the fact that the company refuses to assist their customers. XXXX did not even attempt to help me.
Product: Debt collection

On Wednesday, XX/XX/2023, XXXXXXXX XXXX I was contacted at my place of employment by XXXX XXXX, the info is below. 
XXXX XXXX Senior Account Representative The Leviton Law Firm XXXX XXXX XXXX, Supervising Attorney Admitted to Practice in Illinois and the District of Columbia XXXX : XXXX Fax : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX emailed me on Wednesday, XX/XX/2023, at XXXX XXXX, regarding a collection issue with my Employer. I am the XXXX XXXX for XXXX XXXX XXXXXXXX of XXXX FL XXXX This debt is due to an audit that XXXX XXXX XXXXXXXX owes. The business is having financial hardships and wanted to pay {$100.00} a month, all that could be budgeted at the time. XXXX XXXX and I went back and forth in emails, as he insisted I call him. I refused to call and explained I wanted everything in black and white to keep the conversation in emails. This upset him. And then the threats. This invoice was not even 30 days late yet. ( Please note previously that our office already had to block a couple of other associates from this company due to being harassed for a bill that wasnt even due yet. Calling and being extremely rude to the admin at the front desk, and the threats ) I checked my email when I arrived home that day after work. And there was an email from XXXX XXXX regarding Debt information for XXXX XXXX XXXX 
Not only did he email to my personal email, but also to my additional personal email address, which I have several. He also sent it to my previous employers The subject line read. 
XXXX : XXXX XXXX XXXX XXXX XXXX Debtor - XXXX XXXX XXXX OF CENTRAL FLORI/ XXXX XXXX XXXX XXXX XXXX XXXX I am NOT an owner or principal of XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX. 
XXXX. This is Not my DEBT or my responsibility. 
XXXX. I never gave XXXX  or XXXX XXXX permission to run a background check on me, nor did he legally have a cause. 
XXXX. It is very clear he ran a background check. As I go by XXXX XXXX, everything says XXXX. Not XXXX, as in the Subject line 5. The last name XXXX, in the subject line, is from a previous marriage over 15 years ago. 
XXXX XXXX assumed I was an owner or principal of XXXX XXXX XXXXXXXX, which owes the debt, instead of doing his proper research, This is very threatening to me, as if he purposely did this to scare me and let me know he can find me anywhere or anytime. I feel completely violated as if I have been being stalked. He now has all my personal information, address, family connections, everything. Now I live having to look over my shoulder ; XXXX  is crazy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Date of Birth : XX/XX/year>. I request that my date of birth be updated.

4. Employers : My only employer is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX, the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. '' i
Product: Credit reporting or other personal consumer reports

I currently have two Fruad accounts and unauthorized inquiries appearing on my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint for the information being reported on my credit report. 

Please find attached a copy of my ID, FTC complaint, a copy of the XXXX report showing my information being exposed in a data breach, and a validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late far purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX as well As XXXX XXXX continue you report negetive info about my report without my written consent they keep allowing 3rd party debt collectors report and they infringed on my privacy15 us code 1681 a also n 18 us code 8 I mean I am my own creditor I have unlimited Credit yet its the law that they inform me about reporting on my report then they have to have my consent to do So but they never have
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I han fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you.
Product: Student loan

On XX/XX/XXXX22, I called Nelnet, my loan servicer, requested {$5800.00} in payments made during the COVID forbearance period ( 29 payments ) be refunded, as I will be applying for student loan forgiveness. Customer Service told me my request was submitted to the Solutions team, and review would be complete in 4-6 weeks. All of my peers who also requested these refunds around this time have had their refunds processed and balances reapplied to their loans. I called Nelnet again on XX/XX/XXXX22 to get an update on my refund status, and Customer Service told me my original request from XX/XX/XXXX was not correctly submitted by the previous Customer Service Representative, because they forgot to provide the Solutions team " all necessary information '' regarding my request. So, during this call on XX/XX/XXXX, I resubmitted my request. I just called Nelnet again this morning ( XX/XX/XXXX2022 ), and XXXX, the Customer Service Representative I spoke to, confirmed my request has been acknowledged by the Solutions team. XXXX stated the processing time for these refund requests is now 16 weeks, which would lead into early XX/XX/XXXX2023. Since the COVID forbearance period ends in at the end of XXXX, I will be forced to make payments while Nelnet continues processing my refund request, and while the DOE reviews my student loan forgiveness request, which I can not submit until after Nelnet refunds my payments, in order to ensure my entire balance is forgiven. In sum, I will be waiting an extra four months for my refund and to just apply for loan forgiveness and will have to make payments during that time, all because Nelnet didn't submit my request properly when first called on XX/XX/XXXX/2022. While most other requests made at that time have completed review, I'm unfortunately stuck waiting.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in Transunion, XX/XX/XXXX in XXXX..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in Transunion and XX/XX/XXXX in XXXX XXXX XXXX.this is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Checking or savings account

USAA told me if I pay the amount I own for {$23.00} I could open up a new one they said its paid but they say cause cfpb thats y I cant open a new one cuz to you guys its looking unpaid but I paid it this my Id XXXX, XXXX
Product: Checking or savings account

ON XXXX XXXX2017 A SAVING ACCOUNT WAS OPEN WITH MY PERSONAL INFORMATION WITH AN ACCOUNT NUMBER ONLINE WITH NO IDENTIFICATION FROM MYSELF FROM A THIEF THAT USED MY PERSONAL INFORMATION ON THIER COMPUTER IN XXXX   ANOTHER COUNTRY WITH A UNITED STATES ADDRESS ( MY ADDRESS ) BY ALLY BANK IN THE UNITED STATES. CREDIT BUREAU WAS NOT PULLED BECAUSE IT WOULD HAVE STOPED THE TRANSACTION BECAUSE I HAVE A BLOCK ON ALL THE CREDIT BUREAUS. THIS IS A FAILURE ON AN US BANK TO ALLOW ANY ONE BEHIND A COMPUTER TO USE MY INFORMATION WITH OUT PROPER IDENIFICATION OF WHOSE APPLYING FOR A ACCOUNT! THIS IS AGAINST THE LAW HERE IN AMERICA TO OPEN A FORIEGN ACCOUNT ON US SOIL TO TRY MAYBE TO SHELTER MONEY OR LAUNDER MONEY TO OTHER COUNTRIES! THIS FAULTY PROCEDURE OF ALLY BANK HAS BREACH MY IDENTITIY FOR A PROFIT WITH OUT THE IDENTITY FOR THAT SALE. THE COMPANY REFUSED TO SENT ME THE DOCUMENTATION THAT WOULD VERIFY THAT THE ACCOUNT WAS LEGAL BEFORE THE ACCOUNT WAS ESTABLISHED WITH THIER ONLINE BANKING PROCEDURES THAT SHOULD HAVE BEEN FOLLOWED BY LAW!
Product: Vehicle loan or lease

Santander is refusing to apply extra monies I include with my car payment to go towards the interest instead they subtract my car payment and principal amount which is {$330.00} to pay the interest even though I'm sending them {$400.00} which would take care of the entire principal and leave {$60.00} to go towards the interest. Instead they are holding back the {$60.00} and telling me that they can't use it for the interest only for the principal amount.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX P.S.- Please remove, IMMEDIATELY, all inquiries that were made fraudulently and mentioned or described in the FTC report.
Product: Mortgage

In XX/XX/XXXX my husband and I put our home up for short sale with a Realtor and their attorney for short sales our Mortgage Co is PNC it has been nothing but a nightmare since they were told by the attorneys office to cease and assist and contact them only they did not every month we where inendated with paper work when it was complete they told us we ran out of time and they can not use what was sent. we have lost 3 buyers going on 4 because on XX/XX/XXXX the house is going to forecloser. Their lastest antics ask asking for a trash bill which we do not have and this was told to them in XX/XX/XXXX when we first started this short sale. They are impossible. The emotional and mental distress they have put us through is overwhelming and it has to be stop so one else has to go through it.
Product: Mortgage

I am a victim of false, misleading and deceptive practices for collecting mortgage payments by Green Tree Servicing LLC. These are the same practices they were found guilty of in Case XXXX filed by the FTC and CFPB. Specifically, paragraph XXXX. 
I received a payoff statement from Green Tree and sent money in excess of that amount to Green Tree XX/XX/XXXX. They never applied the payment to my account balance and continued to charge interest on the full amount, pay real estate and property insurance until I received other payoff amounts from Green Tree and submitted that money. This finally was concluded XX/XX/XXXX. 
I am requesting the excess amount I paid to Green Tree be refunded.
Product: Debt collection

I had a prior case against a different entity, but this seems to be the same entity under a different name based on what they said when I told them I do not know the debtor. Last complaint number was : XXXX. The current entity harassing me is called CMRE, and XXXX XXXX continues to call after they assured me my number has been removed from their call list. I am not the person they are seeking and they have become rude, threatening, and have hung up on me numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime/XXXX  does not have a real credit card. They give you no money and do not run the debit/credit card they give as a credit card. It is not a prepaid credit card. It is a bank account and they give you a credit card that is actually a debit card. Chime, however out of nowhere even though I had it for over 2 years never reported anything false, suddenly went out of their way and reported that my balance on my account increased as if I spent money on an actual real card and gave me a bad credit utilization score knocking of XXXX points with that one false lie. The truth is my account balance was XXXX because I had no funds in the account during the time they reported that I went over some kind of spending limit -- -which was a lie. If no spending limit exists how can I go over it? Please help me fix what Chime did. They knocked my good credit score to fair, out of jealousy and they lied to the credit bureau specifically XXXX and XXXX. If my balance was zero I could not have increased the balance to XXXX which is what they reported intentionally to deprive me of my good credit score. Fix the error you made and reported. They reported false information then the credit bureau reduced my score based on false information.
Product: Debt collection

I've requested my signature on contract with all parties involved in these debt collection, everytime I request my signature on contract with all companies/parties my request has not be fulfilled resulting in multiple debt collection agencies requesting me to pay them for the same debt because they are constantly reselling the debt to each other claiming i owe them the newest debts collection agency is ( LVNV FUNDING LLC ) I am not in contract with LVNV FUNDING LLC nor do I owe them this a violation of 15 USC 1692d- harassment and abuse 15 USC 1692g - validation of debt and 15 USC 1692c - communication in connection with debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX  XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}
Product: Student loan

I have student loans that qualify for PSLF. My initial servicer was XXXX but they are now managed by FedLoans. Initially XXXX and, since the transfer, FedLoans have always presented me with a minimum payment due that was one sum to cover the minimum payment for all my loans. Every time I made a payment it was at least for that amount. Despite this, when I review my PSLF status I see that many of my loans have different numbers of qualifying payments. This should not be the case because I never made payments to some loans but not others. Some of my on time payments were also considered not on time after they were transferred de XXXX to FedLoans. I made a payment inquiry to XXXX and they initially refused to give it to me saying they sent it to FedLoans until I stated that they were servicing my loans making me their customer not FedLoans. They did give me some payment information but it does not show the actual dates for many of the payments causing concern that XXXX did not actually track them accurately and thus FedLoans has an inaccurate count. XXXX should provide a record with exact dates payments were made. They should be held accountable if the minimum payment I made wasnt distributed to the individual loans appropriately.
Product: Credit card or prepaid card

I placed two orders for XXXX XXXX gift cards and never received them. The first order was for two {$200.00} gift cards And the second order was for one {$200.00} gift card. These gift cards were supposed to be delivered via email within 48 hours and never arrived.
Product: Payday loan, title loan, personal loan, or advance loan

They keep sending in threatening emails saying that they will send the sheriff to my place of business
Product: Credit reporting

Someone stole my personal identity and open up unauthorized and fraudulent accounts using my identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, U.S. Department of Education