23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist.
Product: Credit card

1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount. 
2. Timely payments made. Promotional balances paid prior to promotional expiration date. 
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''. 
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free. 
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}. 
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied. 
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor. 
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details. 
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract. 
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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: Student loan

I currently owe over {$130000.00} in student loan debt, {$44000.00} of this debt is serviced by AES. I am currently 71 days past due with my loans with AES. I have called multiple times monthly asking for repayment options that will lower my current {$400.00} payment. One person told me that I was eligible for a reduced repayment plan for one of my loan packets, that would allow me to pay a lower payment for 1 year. I paid the {$50.00} payment to get that started, but was later told I did not qualify for it. Ive begged and pleaded with AES for options as I want to pay my loans, but I cant afford the monthly payment. I have three other loans companies to pay monthly. Ive written letters to AES for them to forward to the banks, but I was told that my request for longer loan terms was denied. This is depressing, as I feel I have no way out of this debt. Each time I call Im given the run around. I just paid a payment and it looks like it only took 20 days off, oppose to a full month. This is ridiculous
Product: Checking or savings account

I was on a lunch break and went through a drive thru when I found out my card was declined so I checked my online banking and it says access suspended so I called and chase gave very little information. I was stunned this all happened and would like to know why so the problem could be fixed
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill they're legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts and resolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither fix or removed items disputed despite the information I provided of my protected identifying information was compromised from their data breach, causing harm to my to my credit standing.I am requesting immediate corrective action to remove disputed accounts, as Experian inaction violates Federal lawand my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting an inaccurate Public Record on my Credit profile since XX/XX/XXXX of 2019. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. I have also forwarded Experian proof from XXXX whom they say verified the public record that they dont have a Bankrupcty under my name or Last 4 of SS I have sent copys of the Bankrupcty being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 



Your immediate attention to this matter is non-negotiable. Act swiftly.
Product: Credit card or prepaid card

On XX/XX/2021 my XXXX XXXX XXXX card was closed without any notification from the company. I would have expected something in the US Mail or at the very least an email. Especially as I have multiple store cards with Synchrony Bank. 

I called the company on XX/XX/2021 to reopen the account and they said this could not be done and that I would need to open a brand new account. Doing this would negatively impact my credit as it would be considered a " hard pull '' of my credit. 

The card had a zero balance and was in excellent standing. And now this closure now negatively impacts my credit as it has affected my score due to the my balances and overall credit history.
Product: Credit reporting or other personal consumer reports

I am victim of ID THEFT and I reported this to my local police department and they asked me to file a FTC ID THEFT report and send it to the creditor XXXX XXXXXXXX and the credit bureau agency. I have attached the FTC affidavit and are asking transunion to block this fraud XXXX  XXXX account from my credit bureau report.
Product: Credit card or prepaid card

Capital One refused to release the payment that was made on my account stating the bank I used to make the payment was holding the funds. I confirmed with the bank and they stated that was not true and in fact I can even see that the money was deducted from my account as well as my bank can too. I called Capital One with the bank on the line to verify the information and Capital One stated they can not released the funds until the payment is confirmed. They will not even speak with the bank to even verify so it makes NO sense!
Product: Checking or savings account

Contacted J.P. Morgan Chase Bank Customer Claims Department in XX/XX/XXXX to file a dispute for three separate transactions made in XXXX, XXXX, and XX/XX/XXXX. These transactions were for a trip made to a merchant that was supposed to happen the first week of XX/XX/XXXX. The trip is no longer going to happen on the established dates of XXXX-XXXX, and has yet to be rescheduled, thus, making this an item/service I did not receive. I have requested a refund from the merchant on three separate occasions, and have still yet to receive a refund. Chase initially issued me a temporary credit when I called back in XXXX, then in XXXX they reversed the credit, stating that the dispute is " invalid '', even though I provided them with all of the supporting documentation and evidence they requested of me. The last time I contacted them on XX/XX/XXXX, they recommended I contact XXXX. When I contacted XXXX on the same day, they stated they could only escalate one of the transactions to a claim because 180 days had passed ( XXXX 's dispute policy ) for the other two. At the end of that call XXXX recommended I call Chase back to see if they could do any more on their end! Now had Chase not given me the runaround, letting an entire month go by, maybe this could have been resolved by now. I have been a Chase customer for almost ten years and have had zero issues with my disputes being approved, but now I am planning to move my money in the new year to a new bank that desires to help their customers and take their complaints seriously!
Product: Debt collection

Ocwen has claimed to have a valid transfer of assignment of our mortgage loan. The issue is that the transfer of assignment was filed by a known robo-signer XXXX XXXX. I have been able to observe varying signatures of XXXX XXXX that has been filed in county land records office. 

Can Ocwen please explain why, if the transfer of assignment is valid, does XXXX XXXX signature vary in the attached documents that have been filed in a county land records office from XX/XX/XXXXto XX/XX/XXXX to a Mortgaged Backed Security trust that was closed years earlier? 

If XXXX XXXX has been noted as a robo-signer, how is the transfer of assignment valid? How is a document signed by a known robo-signer compliant with the new servicing standards and the Ocwen National Servicing Agreement?
Product: Debt collection

Received multiple statements regarding this " alleged bill of mine '' and because it didn't belong to me and I conveyed that to them over the phone, I began to throw them in the trash each time. Thank goodness when my son brought mail to me one day ( that's where I resided when this initiated ) this piece was in it because it landed on my consumer report as a derogatory debt. The only reason I found that out is because one of my credit card company 's decreased my credit limit due to " a recent derogatory collection '' ... it literally ruined my good reputation as a consumer. According to the statement ( XX/XX/XXXX ), the date of service was XX/XX/XXXX at XXXX XXXX and the amount is {$1700.00} At this point in time, I've sent off a debt validation letter, a cease and desist letter and an affidavit of truth.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My account was suspended back in XX/XX/ after I paid my account in full for the amount of XXXX and my account has continuously been automatically suspended due to " credit ''. 

Back in early XXXX, I experienced a death in my family resulting in my traveling out of state and not being able to work for several weeks. Because of this, I was not able to pay my bills in time. 

Now, my financial situation has drastically improved and I am still unable to use my card. This is creating an issue trying to travel for work, renting a car, etc.
Product: Credit card or prepaid card

My account has been closed however the account continues to incur interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Letter to Remove Inaccurate Personal Information : To Whom This May Concern : I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Please delete all other names and addresses. I can not receive mail or send mail out from any other address other than the one address listed above. Their are incomplete and unknown addresses and phone numbers listed that should not be on my personal credit. Everything is incorrect but the address listed above this paragraph and the phone number listed below this paragraph. 

My only phone number is XXXX Please delete any other phone number as they do not belong to me. I can not send or receive any calls or text messages from any other number than the one listed above.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$27000.00} XXXX XXXX XXXX XXXX - XXXX - {$87000.00} XXXX XXXX XXXX XXXX - XXXX - {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$44000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquires on my credit report. I do not have or have had any of these accounts.XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX