23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I believe that Discover is raising my interest rate because I am making extra payments. I believe they are penalizing me for making extra payments. The letter I received from them stated, " the Monthly Payment Amount has been recalculated to ensure your loan is paid in full at the end of its scheduled repayment period. '' They have a set period of time that they want me to pay the loan and they have a set amount of interest that they expect to receive, so when I pay extra they raise the interest rate to accommodate the change in order to get the desired interest rate at the end of the scheduled repayment period. When I did not make any extra payments, my interest rate never increased. I am trying to pay the loan off early, but I can not when they keep raising the interest rate. They are preventing me from paying the loan off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint # with CFPD is XXXX. I received the consumer response and it is not of satisfaction. Resurgent Capital Services ( hereon out referred to as RCS ) and XXXX XXXX has no business contract. My debt was with XXXX XXXX ( hereon out referred to as XXXX ). XXXX sold my acct to RCS. RCS response to my initial complaint with CFPB is that the terms and agreements I signed with XXXX states " we may sell, assign, or transfer your acct or any portion thereof without notice to you. '' These terms were established XX/XX/XXXX which would not apply to my acct because my acct was opened prior to the terms revision in XX/XX/XXXX. I did not sign a XXXX agreement under those term used by RCS to validate financial obligation. I believe this debt should be taken off of my name based on the fact it was sold illegally to RCS. 
I am also covered under the XXXX XXXX XXXX and feel RCS is attempting to take advantage of me. 
I request this case be review again and a better resolve is reached. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX XXXX they provided with a letter that they deleted the chapter XXXX from t their data base experian got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Product: Mortgage

Greetings. My loan is serviced by Nationstar. My loan stipulates a grace period until the XXXX of the month, but if I try to make a payment online, Nationstar assess a XXXX late fee after the XXXX of the month, in violation of my mortgage terms. 

It seems so unethical and I do n't have a choice of servicer which makes their unethical and greedy corporate behavior all the more frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reported, opened XX/XX/2017, amount XXXX
Product: Credit reporting or other personal consumer reports

I had a second mortgage on my home with TD Bank. I did a deed in lieu with XXXX XXXX- they came to an agreement with TD Bank to satisfy my second mortgage they agreed to accept around XXXX less. This still shows as an open real estate and delinquent loan on my credit report- which is affecting my score and hindering my ability to buy or rent. I spoke with XXXX XXXX at TD and he has insisting that my house was a short sale. It absolutely was not and I have the paper to prove that it was a deed In lieu and that the lien is satisfied.I Purposely deee in lieu to avoid a short Sale As I know What a nightmare they can be. There is a house in XXXX XXXX XXXX XXXX that was a short sale my house XXXX XXXX XXXX I tried to explain this to XXXX XXXX but he insisted that it was a short sale and that he was getting a different story from XXXX XXXX -she is actually the one who helped me get the deed in lieu approved with TD accepting the lower amount- She was very helpful. I think she may just be confusing in my house with the other one because it absolutely was not a short sale and they would not have any papers proving that my address from my name or my signature with a sale- I have the papers showing it wasnt a short sale it was a deed in lieu and they have no papers showing my house was a short sale with my name mortgage or address. It would not be possible because it did not happen.

I sent several emails requesting this to be satisfied XXXX XXXX forwarded them to XXXX XXXX who called me- I told him I had the papers -he insisted I send them to him which I did and I never heard from him again or anyone from TD even after follow up emails. I sent emails to at least one or more TD representatives at TD Bank on the following dates XXXX and today informing them I was opening the caseXXXX XXXX in Loan Operations signed off the satisfied loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX was paid in full on XX/XX/2018 and disputed with Navient. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..
Product: Checking or savings account

i was banking with Chime. My card was stolen multiple times and many transactions were not made by me. when I reported this they denied my claims. i would be happy to give you dates and times but I do not have access to my account. My bank decided to close my account. They said via email it will be XXXX  days until my check is sent in the mail its been a month and I have not received a check with my finally balance on my account, I have reached out to chime support services many times and nobody is willing to call me or yet even respond back with a non automated email.
Product: Mortgage

I am currently paying a mortgage with Ditech Financial LLC. There are four missing payments on my credit report that I have made on time. XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I also have 9 missed payments reported on my account which is impeding the growth of my credit score. I understand how gravely important it is to make payments on time and have displayed that over the past year in which I have not missed any payments and was hoping for forgiveness on some mistakes I made in the past.
Product: Debt collection

XXXXXXXX XXXX is sending me to collections for an account for XXXX and one for a XXXX XXXX. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;
Product: Student loan

I contacted Navient on 2021 in regards to them withdrawing {$250.00} on XX/XX/2021 and XX/XX/2021 for the same loan and {$43.00} on XX/XX/2021 and XX/XX/2021 for the same loan. Essentially, charging me twice for the same loan but only crediting my account once. Navient responded by stating they only withdrew the amounts once, not twice. My bank records shows where Navient withdrew the money twice. I contacted Navient a second time with my bank records, and they have not responded to my inquiry. 

Student Loans are with my maiden name : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing with the XXXX XXXX XXXX this accounts # XXXX wich they said they never received the first payment but i never recrived such credit card and Experian is reporting such account and the other credit card # XXXX both accounts been repoted by experian in violation because now Experian is reporting as current status and at the same time they reporting such trade lines as charge off therefore this 2 accounts are misleading unverifiable and incomplete and are been repoted in violation of the law
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX XXXX XXXX  XXXX called and said I had been approved for a loan with Speedy Cash. He asked for my bank information and I asked him for a loan agreement. He sent the attached. When I told him this was not a valid loan agreement, he disconnected the call.
Product: Money transfer, virtual currency, or money service

I made an international payment in the amount of USD XXXX ( R {$90000.00} ) on XX/XX/, but we discovered that the supplier 's official email was intercepted by a criminal who changed the bank, address and account number in the invoice. But he/she kept the supplier 's real name, and sending me this fake invoice that was used to make the transfer. 
And because there was such a serious discrepancy between the name of the beneficiary used in the transfer and the real name of the account holder, the receiving bank could not have released the money to this fake customer. 
We requested the refund via XXXX XXXX XXXX as per the attached history, but CHASE BANK insists on awaiting authorization from the fraudulent beneficiary to proceed with the refund. And we know that won't happen. Therefore, we requested support from the Consumer Financial Protection Bureau ( CFPB ) to recover the amount of USD XXXX. 
Note : XXXX XXXX XXXX contains two communications from XXXX XXXX XXXX to CHASE BANK requesting the refund. 
Note2 : some attached documents may need support from a translator XXXX/english.
Product: Money transfer, virtual currency, or money service

XXXX  is not transferring my money to my new account. It has been over a month and they are not responding. I can only assume they are taking my money.
Product: Student loan

I was not offered an income based program while I was going through financial hardship and was falsely made to believe that the 3rd party enrollment agency I was going through to get me into the income based program properly was a scam. Nelnet caused me to place fraud reports on a legitimate company and tarnish their record while holding me to a payment I could not make having it adversely effect my credit.
Product: Vehicle loan or lease

I paid off this loan. But its still showing up on my credit report as a negative. But I paid it in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, XX/XX/XXXX and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XXXX, XXXX, nor transunion consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.
Product: Credit reporting or other personal consumer reports

My Information Has Been Leaked Due XX/XX/XXXX My SS # and phone has been used Im getting at least 20 calls a day from Scam Likely Numbers
Product: Debt or credit management

I hired national debt relief so creditors would not take me to court although I wanted to make it right as to pay the money I owed. national debt relief overcharged me with unexpected interest charges that was not explained up front. 
I paid all the extra charges just to get this out of my life. IT probably would have been better if I made payments to the banks. also my credit report still has not been completely removed of all creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times in ref to a membership I never signed up for and cant get canceled. I have attempted to file several disputes regarding issue. 

Experian has been charging me XXXX a month since XXXX XXXX I am requesting immediate cancelation and refund of all monies received since XX/XX/2018 I am preparing to take this matter to court if we are unable to come to a resolution.
Product: Credit card or prepaid card

This is regarding a Citibank credit card. I routinely schedule my payment for the day before the due date and have been doing so for years. I schedule the payment as soon as I receive the bill, weeks before it is due. Citibank suddenly charged me a {$29.00} late fee, despite their online system showing a credit ( for the scheduled payment ) the day prior to the due date. When I called to complain, I was told that the payment wasn't credited until two days after the scheduled date, despite the fact that Citicard showed a the credit on the day prior to the due date. This seems like a fraudulent way to charge fees to customers.
Product: Credit card

Citi has an internal record error about how a credit card was closed that they refuse to fix and refuse to approve my credit card application with a XXXX clean report and score. 

The annual fee had posted and did not see value to continue use of the card such that I called to cancel the card. I applied for a new card a couple years later and was told I ca n't because the previous account was closed due to delinquency, which is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer report and I was shocked to learn I was a victim of identity theft. I found numerous accounts on my consumer report that wasn't open by me I'm in the process of buying a house and this is hurting me please remove this from my consumer report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 unauthorized inquiries on my XXXX, Equifax and XXXX credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6XXXX XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/2023. 3 The inquiries was not authorized from XXXX XXXX ( 4 ) different inquiries from same company Date of Inquiries : XX/XX/2023 Please remove it from my credit report. 5. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Debt collection

I received notice in the mail by a XXXX XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX  not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Loan Depot Mortgage Co. 
My mortgage co. has made a serious mistakeerror on allocating my withholdings for my escrow account to pay my property taxes. And now Loan Depot is asking for approximately {$5000.00} in backpay for their negligence 's. Shortly On my refinancing closing date I had called the mortgage co. ( 3 ) different times speaking with three different representatives. With concerns on my escrow account for taxes, which I specifically asked that these calls would be noted in my account. I was assured by all three reps. that my escrow account was correct. And now the mortgage XXXX is expecting a substantial amount of money from me. And therefore, I hold Loan Depot accountable for this financial burden.
Product: Credit card or prepaid card

Good evening. 

On XX/XX/2021, I noticed there was an usual charge on my credit card for {$150.00} at XXXX, NJ XXXX at a place called, " XXXX XXXX ''. When I realized this was a fraud, i immediately called Chase customer service this charges was not made by me and it is fraud. They refunded me back the amount of {$150.00}, cancelled and sent me a new card. Later around the month of XXXX I discovered I was then charged again for the amount of {$150.00} which I then called Chase customer service letting them know this was a mistake. They told me they took the refund back because it was an authorized purchased. and they can't do anything about it. I later wrote an email to Chase fraud recovery Department stating it was not an authorize purchase from me. 

Please help me rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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