23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint stems from the complete inadequacy of Dovenmuehle Mortgage Inc. servicer for XXXX XXXX  XXXX. This issue has arisen due the fact of an approved forbearance agreement with suspended mo. payments of {$0.00} from XX/XX/XXXX through XX/XX/XXXX. This was due to the impact of Co-Vid19 hardship. In my paperwork it states that in accordance with the Federal CARES Act the status of the account at the start of the forbearance would be preserved throughout the forbearance period. That if your account was delinquent at the time the forbearance began it would continue in delinquency status that existed at the start of the of the forbearance throughout the forbearance period. If, however, the account is brought to current it would be reported as current throughout the forbearance period. In a letter date XX/XX/XXXX Dovenmuehle required a default payment of {$1800.00} on or before XX/XX/XXXX. I then worked in conjunction with XXXX CARES mortgage relief program through XXXX XXXX XXXX  to have the default cured in the proper time. I was under forbearance from XXXX through XXXX XXXX. I began making payments again and no longer had a need to be under forbearance. However, although I'd begun to make payments through loss mitigation as I'd no longer received a payment booklet and only had past due statements, they continued to have me under forbearance status through XXXX XXXX. I then received a letter dated XX/XX/XXXX stating a recent review of my account showed funds were received for payment due XX/XX/XXXX and that the amount of {$59.00} was posted to the account as unapplied funds and was not applied as a mortgage payment. However, I have receipts of mortgage payments made at XXXX bank branches for amounts of {$900.00} on XX/XX/XXXX XXXX {$910.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. When I disputed the letter from XX/XX/XXXX I received no answer as to the application of my funds from this company. I also disputed the fact finding by this company which increases my monthly mortgage payment by about {$400.00} a month to XXXX for a proposed escrow shortage amount of XXXX. In the XXXX plus years I've had my mortgage loan never has an ALP gone up by such an astronomical amount. When reaching out to this company, which in my opinion is not a very well run or organized entity, I've received nothing in the way of validation of the debt they have accrued to my account. In a letter dated XX/XX/XXXX they sent its stated ; Thank you for for your latest payment of {$1000.00} however your full monthly payment is {$1200.00}. On your behalf WE HAVE TAKEN funds from the escrow portion of your payment in the amount of {$160.00}. Please remit funds of XXXX to replenish your escrow account. Is this legal? For them to manipulate my payments without ANY CONSENT. To do such and then provide me with nothing in the way of validation except harassing phone calls asking for further payments to manipulate. I would like some accountability on their behalf please.
Product: Credit reporting or other personal consumer reports

I recently ordered a copy of my credit report and noticed that it had fraudulent activity on it.
Product: Credit reporting or other personal consumer reports

My credit report contains discrepancies related to 15 USC 1681c-2. The listed inquiries were not authorized by me and are damaging my credit. I ask that these unauthorized entries be removed.
Product: Student loan

Leading up to student loans resuming, I tried several times over the course of XX/XX/ to log into my online Nelnet account to confirm details such as payment amount, bank details, and automatic payments. I was unable to log in, and their automated account recovery process didn't work any of the times that I tried ( No email was sent to my email address ). Not sure exactly when my due date is, I called Nelnet 's help phone number this morning XXXX XXXX XXXX and have been on hold for 2 hours now with no end in sight. I'm worried about suffering consequences of not paying if I continue to be unable to access my account.
Product: Debt collection

Dear XXXX ; UNITED CONSUMER FINANCE ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
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 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 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. 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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my private XXXX  loans, which I refinanced with Citizens Bank in XXXX. I attended the XXXX XXXX XXXX XXXX, XXXX from XXXX. My original loans were XXXX  loans. Recently, XXXX XXXX signed a bill in XX/XX/XXXX granting loan forgiveness for XXXX  who attended the XXXX XXXX, which includes my institution. I felt like I had no other option but to refinance my loans because for 4 years ( XXXX ) I had multiple different loans with multiple different interest rates and the total cost of the XXXX  loans was barely going down at all with all the interest rates. I tried contacting Citizens Bank and XXXX XXXX XXXX ( XXXX ) my loan service provider and they both said they couldnt help me with my situation. I even submitted a Borrower 's Defense Report and was denied. Despite meeting the criteria for loan forgiveness due to my attendance at the XXXX XXXX XXXX XXXX, I am currently ineligible for forgiveness because my loans were refinanced into private loans with Citizens Bank. I believe this situation is extremely unfair and inequitable for the following reasons : 1. Original Qualification for Forgiveness : My original loans were intended to cover my education at the XXXX XXXX XXXX XXXX, and thus, I should inherently qualify for the forgiveness program aimed at alleviating the financial burdens of XXXX XXXX students. 

2. Refinancing Details : In XXXX, I refinanced my XXXX loans with Citizens Bank to secure a more manageable interest rate and payment plan, a decision made under the impression that it would not affect any future eligibility for relief programs aimed at student borrowers. The refinancing was done solely for the purpose of better financial management and not to alter the nature or purpose of the debt. 

3. Disadvantage Due to Refinancing : As a borrower who attended a now-defunct and discredited institution, I feel penalized for taking proactive financial measures that were in my best interest at the time. Refinancing should not disqualify me from receiving the same relief that is available to my peers who maintained their loans with the original lenders. 

4. Equity and Fairness : The intention of the loan forgiveness program is to provide relief to those burdened by the educational and financial mismanagement of the XXXX XXXX. Excluding refinanced loans from this relief contradicts the purpose of the forgiveness program and unfairly disadvantages responsible borrowers like myself who sought better loan terms. 

Loan Account Number with Citizens Bank : XXXX Account Number with XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> Discover Card pulled my credit report without my knowledge or promise and without a benefit for myself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XX/XX/year> DEAR EXPERIAN I XXXX XXXX HAVE WRITTEN THIS LETTER TO DISPUTE A CLAIM THAT IS FALSELY LISTED ON MY CREDIT REPORT WITH YOUR BUREAU. THE AMOUNT ( XXXX ) OWED ARE NO LONGER OUTSTANDING FOR THE FOLLOWING ITEMS : PARTY OWED : XXXX  AMOUNT : {$1000.00} PARTY OWED : XXXX AMOUNT : {$1200.00} PARTY OWED : XXXX XXXX XXXX XXXX  : {$1300.00} PARTY OWED : XXXX XXXX XXXX XXXXXXXX AMOUNT : {$800.00} PARTY OWED : XXXX AMOUNT : {$210.00} PARTY OWED : XXXX XXXX SERVICES AMOUNT : {$120.00} PARTY OWED : XXXX CREDIT AMOUNT : {$13000.00} PARTY OWED : XXXX  AMOUNT : {$2000.00} PARTY OWED : XXXX AMOUNT : {$720.00} PARTY OWED : TD XXXX XXXX AMOUNT : I AM DISPUTING THIS CLAIM DUE TO, I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY THIS IS MY OFFICIAL REQUEST TO HAVE AFOREMENTIONED ITEM TO BE DELETED OFF MY CREDIT REPORT. ENCLOSED MAY BE ADDITIONAL EVIDENCE TO SUPPORT MY CLAIM SSN XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report XXXX attached ).
Product: Checking or savings account

XX/XX/XXXX at XXXX EDT Alerted by text message from USAA of suspicious activity on my account online profile. I immediately called USAA Security ( XXXX XXXX XXXX ). I was informed a credit card was fraudulently shipped to XXXX. Subsequently, I discovered a second credit card was sent to XXXX XXXX XXXX ; 100 bank checks were ordered XXXX XXXX  ; sent to XXXX, during the XX/XX/XXXX XXXX  breach. I have only one XXXX address for all USAA Account activities. I have no connection with any mailing addresses in XXXX, XXXX or XXXX. On XX/XX/XXXX at XXXX EDT I discovered that two fraudulent checks had been cashed on XX/XX/XXXX for {$38000.00} XXXX XXXX  ; {$18000.00} after insisting on XX/XX/XXXX that my checking account be protected. Additionally on XX/XX/XXXX I received two USAA Account access 2-factor Security Codes I did not initiate ; I received a password reset link on XX/XX/XXXX for my email that I did not initiate showing the attack continued. Also my email was flooded by over 7,000 email messages in 48 hours starting XX/XX/XXXX. On XX/XX/XXXX, USAA redeposited the lost funds to the compromised account without alerting me. An attempt to cash a third stolen check was immediately made. It was blocked, but my account was charged an overdraft fee. I transferred the balance of my account to another bank. 97 remaining stolen checks are still in circulation with our personal information. USAA has not alerted any law enforcement agencies about his crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXXXXXX 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 Reporting income on my consumer report
Product: Debt collection

Hello, While performing my personal credit check a collection account appeared on my credit report. The account appears on all three bureau reports however there seems to be conflicting information about the collection agency. 

While the account appears active on both the XXXX and XXXX reports, the account is reporting as closed on the XXXX report. 

The address is listed on the reports is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both my XXXX and XXXX reports but the address for the XXXX report is listed as XXXX XXXX XXXX XXXX XXXX, MN XXXX. This address appears on the following webpage ( https : //www.myjcap.com/ ) when I performed a google search. 

It is also notable that the name appears differently on the XXXX report. Both the XXXX and XXXX reports indicate the name is JEFFERSON CAPITAL SYSTEM. 
The XXXX report list the name as JEFFERSON CAPITAL SYSTEMS with an " s '' at the end. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I am/was unaware of this debt. I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me a copy of the certified receipt with my acceptance signature displayed. 

Thank you for your attention to this matter. 

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

XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports
Product: Student loan

I contacted Navient on  XX/XX/2017    to discuss payment lowering. I explained to the rep that I am only working part time and my bills  ( ren t, car payment, utilities, insurance, etc ) consumes all of my income. I also informed him that I am anticipating  XXXX  and will be out of work fo r 4 we eks. In addition to that information, I also informed him that I will be returning to school in  XXXX . I stated that the very maximum I could pay at this time until I returned to school is {$25.00} monthly considering all of these factors. The first thing he offered was forbearance, after stating that I had used up all of my deferment time. That would only delay payment for 1 month and a fee was required. I explained that that was only a temporary solution and would not resolve the problem. His only response was that there was no payment plan that could accept $  XXXX  /month an d that if I did n't pay, I could be faced with negative credit reporting. I informed him that I was keeping record of the call and that although I made the offer to pay something, the rep would not willing to provide such help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification was stolen in late XXXX, they were able to clone my credit and debit cards. They were able to steal thousands of dollars from my bank accounts. I fax them my letter from XXXX seeing that my identification was stolen and cards were being cloned. Plus I send them the affidavit as well but Experian is giving me a hard time to remove these items. # ( 1 ). XXXX, # ( 2 ). There are two XXXX XXXX accounts that were open in XXXX & XXXX. # ( 3 ) There is also a XXXX XXXX XXXX was Paid In Full and I was never later and they have it as a negative remark. I fax them several times proof that this account was Paid In Full, I even did a conference call with XXXX XXXX. Experian did fix this at first but about a month ago they change it to a negative remark. 
Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its 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 unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The XXXX ACCOUNTS being reported are violating consumer law federally under 15 U.S. Code 1666b - Timing of Payments which states that a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each required periodic statement, including the required information, is mailed or hand delivered to the consumer no later than 21 days before the payment due date. 

, I am requesting proof of notice that were mailed out to me not email at least 21 days before the due dates in question. Please provide original, valid notices, not emails of notices or templates. If you can not produce such notices or information related to the account in question meeting the specified timeframe, I request the removal of the reported late payment.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia State and Federal Law Dear Sir/Madam, I am writing to you regarding an unauthorized inquiry reported on my credit profile by Navy Federal Credit Union ( Finance ) dated XX/XX/year>. I hereby express my explicit disapproval and denial of consent for this inquiry to be reported on my credit profile. 

The unauthorized inquiry conducted by Navy Federal Credit Union lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions.

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes.

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section 607, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports. 

It is imperative that Navy Federal Credit Union takes immediate action to remove this unauthorized inquiry from my credit profile within the next four days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law. 

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on Navy Federal Credit Unions part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This is absolute not my account because Ive been having a lot of fraud on my credit reporting that I had froze as I never knew this was something added to my credit report or nor adding a collection to my account. This XXXX  account is not mine!!!!
Product: Credit reporting or other personal consumer reports

Hello, please see documents attached for more details. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.