23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent certified mail to each credit reporting agency, XXXX, XXXX, TransUnion. I never received any response from the credit reporting agencies. I resent another dispute letter again on XX/XX/22 and still never received a response. I confirmed that my proof of address and all documentation was correct, which it was, however, I have still not received any response in regards to the inaccurate information that is reporting on my credit report and need to be removed immediately.
Product: Mortgage

I have successfully completed the PHH trial payment period, executed PHH loan modification documents, and am current in my monthly mortgage payments and YET PHH has NOT filed a NOTICE OF RECISSION OF TRUSTEE '' S SALE ( as PHH rep 's promised they would and send me a conformed copy from the XXXX XXXX XXXX XXXX XXXX ) and continues to report false information to the credit bureaus thus PREVENTING ME and causing me irreparable financial damage as I can NOT obtain mortgage loan or any other consumer loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the SANTANDER account. I have indicated that the account that appears in delinquency that I have sent on several occasions is SANTANDER not Firstbank who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.
Product: Student loan

This is pertaining to a loan I co-signed for a friend because she needed help getting a loan for school. I was under the impression that I can get out of being a co-signer after two years if my friend was able to show proof that she is able to take care of the loan herself. Navient ( which is part of XXXX ) made that promise to us and yet here we are 8 years later and they have refused my friend 's request twice to take me off as a co-signer. She has shown for the past 8 years that she can pay her loans on time ( she has never missed a payment ), and her and her significant other make more than enough money to be able to continue to pay for her school loan without my assistance as a co-signer, so basically NavientXXXX is essentially taking me hostage, when they themselves said I could be taken off the loan after two years of showing that she is responsible enough to make payments consistently, which she clearly has not missed at all. Navient/XXXX should n't be making false claims like this and giving people like me a false sense of hope.
Product: Student loan

Over the past 4 months I have attempted to enter into an income based repayment plan through Navient Student Loans. Every month ( and sometimes a couple of times a month ) since XX/XX/2019 I have called in attempting to resolve this. I have received different answers on every call and misinformation that has led me to have to continue to put my loan in forbearance for the past 5 months so they can fix the situation on their end. Every month I have provided up to date pay stub information, and every month am asked to do it again so they can calculate my IBR correctly. I have finally been told that my monthly payment will include any overtime I've received over the past year, regardless if I am able to receive overtime over this following year. I can not believe a federal student loan provider would calculate payment information based on variable pay ; that is grossly irresponsible. So based on business needs, if my business does not have the budget to allow over time this year, I am still responsible for the additional payment amounts to Navient. This company is absolutely appalling to work with and is the reason student loan debt is such a massive issue ; STUDENTS STEER CLEAR, DO NOT GET LOANS FROM NAVIENT.
Product: Mortgage

Because of the coronavirus crisis I can't work and asked Mr.Cooper to postpone my mortgage payments for 6 months. I thought that the {$2.00} trillions stimulus package will allow me and any other homeowner hurt by the health crisis to postpone payment. But Mr. Cooper has different opinion. Thanks for such a heip. Nobody needs that. ( See documents attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a follow up to unsatisfactory resolution of CFPB complaint number XXXX. I was told a customer service representative left a voicemail with a direct number. I have not received any such phone call. I have been unable to liaise with Netspend for further assistance with this issue. Again, I have no contact information for who to speak with at Netspend. My accounts were closed by Netspend.

My funds in the amount of {$5000.00} are being held by Netspend and not returned to me.

I was asked to provide a Letter of Indemnity by Netspend from XXXX XXXX. As expected, since XXXX has nothing to do with Netspend holding my funds XXXX, XXXX XXXX has provided written instructions that they will NOT provide this letter. I have attached the message from XXXX for your review. Understandably, XXXX does NOT want to get involved. " Regrettably, we are unable to accommodate a request of a written release or indemnity form to provide to Netspend. While we sincerely empathize with the issues you have experienced, we ask that you continue working with Netspend and the Consumer Financial Protection Bureau ( CFPB ) in order to recover your funds. '' I really do not know what to do at this point since XXXX is unwilling to provide what Netspend is asking for. Netspend has closed my accounts in XXXX. They promised to mail the funds to my address on file which I have NEVER changed since registration. Netspend continues to hold my funds XXXX. Since filing a CFPB complaint, Netspend then says the promise to  mail the funds to the address on file was actually an error and to get the funds this whole time, a Letter of Indemnity is required from XXXX. XXXX has denied me this letter and is unwilling to get involved. I have no contact information for someone at Netspend to contact regarding this matter. I fear Netspend will continue to hold my funds XXXX citing my inability to secure this " Letter of Indemnity. '' CFPB, please help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I have not received a response, and I have not been provided with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANK/VICTORI Inquiry : XXXX XXXX, XXXX COMENITY BANK/VCTRSS Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.
Product: Credit reporting or other personal consumer reports

Experian is not showing accurate credit status and not showing accurate credit score!! 

All XXXX student loan information has ALL been deferred under the XXXX Forgiveness Program. And will eventually all be dismissed.
Product: Debt collection

Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is incorrectly reported into my credit profile. I have no affiliation with company. Transunion is incorrectly reporting data
Product: Mortgage

I am filing a complaint against Nationstar/Mr. Cooper Mortgage Company due to unacceptable practices that have occurred after I refinanced my home loan. My original mortgage payment ( prior to refinancing ) was around 1k. I refinanced in XX/XX/XXXXand enjoyed a monthly payment of {$850.00} for about 15 months. In XX/XX/XXXX my payment increased back up to {$990.00}. I have since been paying this amount and haven't been able to get acceptable responses from the mortgage company. My 1st complaint about he increase took place XX/XX/XXXX. It is now XX/XX/XXXXand this is still unresolved. 

As I mentioned, I refinanced my loan inXX/XX/XXXX, but byXX/XX/XXXX my payment increased back up to XXXX and the reason I was told was because my insurance and property taxes have increased. This is not true. I recently researched this and I don't see the increase. My property taxes from XXXX to XXXX have only increased by {$190.00}. Meanwhile my annual insurance premium has remained around {$200.00}. Currently in my mortgage payment {$390.00} is being applied towards escrow. This calculates out to {$4700.00} a year. However my XXXX property tax was only {$2700.00} and my insurance premium was {$180.00}. This only totals {$2900.00} ... for a difference of {$1800.00}. I relayed all this information to Mr. Cooper and received a letter explaining there is a minimum amount balance requirement and that mortgage insurance is also built into the payment. Both factors are reasonable reasons. 

The issue is that all contributing factors that determine escrow remained constant over the life of my loan. I refinanced in XX/XX/XXXX which extended the life of my loan back to 30 years and now the monthly payment amount is right back to where it was before the refinancing. I have responded to Mr. Cooper explaining this and asking for more details. I received another letter stating that 30 days is needed so the loan can be investigated. It is nowXX/XX/XXXX and I still have yet to receive a response. 

I feel I have been taken advantage of during the refinancing process and was low balled so I did not refinance with another company. I am not stuck with a the same payment as I had prior to the refinance, but the life of the loan was extended back to 30 years. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
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 charging 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: Student loan

I applied for the XXXX program for the balance due on my student loans. 
They took several months to process my application before i was finally placed in the XXXX program. However during that time, my loan accrued {$380.00} in interest. 

Should not the interest accruing on the loan have been frozen from the day my application was processed? Otherwise, they have incentive to delay the process and sit back while the balance due increases. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : XXXX I've been trying to fight with XXXX and experian for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to me.
Product: Checking or savings account

I lost my phone and wallet at a bar came back to get it the next day. A week later when going to finalize a big purchase the money was not in my account. I then checked my statement and saw a purchase of XXXX
Product: Mortgage

In the process of refinancing my secondary mortgage, I needed to close out a Bank of America ( BofA ) Home Equity Loan of Credit ( HELOC ). On XX/XX/2020, I called BofAs HELOC department to discuss the charges associated with this step. The agent on the line, who presented himself as XXXX, said the closing cost of {$940.00} ( {$960.00} total fee less {$18.00} in county fees ) would be waived. He referenced my preferred customer status and good standing with BofA for many years as the reason behind the refund. He noted that after escrow closes, a refund will be sent my way. He also gave me confirmation numbers for the call ( XXXX ) and the refund ( XXXX ). 
On XX/XX/2020 the refinancing closed. On XX/XX/2020, I went to my local BofA branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to check on the refund status. I spoke with Assistant Manager XXXX XXXX who told me he did not see anything in BofAs system regarding a refund. He proceeded on opening a claim ( ID XXXX ) in regard to this matter with BofAs mortgage department. I followed up with him several times and did not hear a response. When I caught him on the phone last week, he informed me that he is taking a leave of absence and I should take my matter up with the BofA district manager. 
BofA is not honoring their verbal commitment in this matter to refund the HELOC net closing cost of {$940.00}. I have included the reference numbers for the original conversation, refund claim and follow up claim. BofA representatives portrayed one policy and are not abiding this policy. BofA is also claiming no record of the initial conversation I had with them.

I am writing this letter to you to inform you of these misleading policies as I am likely only one of many who has been guided toward a refund in order to pay a closing charge. 
I thank you for your consideration of this matter. I appreciate any assistance you may offer me in achieving my original refund claim. Thank you.
Product: Mortgage

Came out of a bankruptcy XX/XX/2007. After paying on the loan for the 3 years in thebankrutcy, I owed the mortgagae company more than the original loan before the bankruptcy was filed. 
The loan was eventually sold to XXXX and Owcen Servicing was designated as theservicer of the loan. I was offerd a modification by Owcen which I accepted, trems were given and I began the payment cycle. 
I do not think Ocwen is honoring the terms of the agreement
Product: Credit reporting or other personal consumer reports

You are reporting FRAUDULENT ADDRESSES on my credit report. The addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE/REMOVE INCORRECT ADDRESSES THAT ARE REPORTING ON FILE.
Product: Credit reporting or other personal consumer reports

I reviewed my Transunion credit report and noticed unarthorized inquires. I reached out to the companies to get the unauthorized inquires removed but failed to receive response. I than reached out to TRANSUNION for the unauthorized inquiries to be removed. Please remove the Unauthorized inquires Below 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 XXXXXX/XX/XXXX
Product: Credit reporting

I HAVE NUMBER ATTEMPTS CONTACTED CHASE CREDIT CREDIT CARD XXXX IN REGARDS TO ACCT : ******************* THAT IT IS NOT REPORTING TO MY CREDIT AGENCY : IT DOES NOT SHOW ON EITHER OF THE CREDIT AGENCY. I CONTACT NUMBER OF TIMES AND THEY STATED I FILED A DISPUTE TO TAKE IT OFF MY CREDIT REPORT : THEY ARE INCORRECT, FOR WHAT EARTHLY IDEA I WOULD STATE THAT AND WHEN. I HAVE XXXX ACCOUNTS WITH CHASE BANK SINCE 2012 AND PAID AS AGREED AND NEVER LATE, WHY WOULD I WANT TO DELETE FROM MY CREDIT REPORT. I WOULD LIKE FOR CHASE BANK TO PROVIDE A WRITTEN LETTER HEAD SIGN BY ME WITH MY ID TO REQUEST FOR THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Credit Report USAA account XXXX opened XX/XX/XXXX TRANSFER/SOLD date closed XX/XX/XXXX USAA REPORTED XX/XX/XXXX * INACURATE REPORTING. PER MY RECORDS I HAVE NEVER HAD THIS ACCOUNT XXXX USAA SOLD TO COLLECT. Send my Original Written Signature of this debt of XX/XX/XXXX Reported Sold XX/XX/XXXX OR REMOVE IMMEADETLY.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

After years of repeating telling Portfolio Recovery to stop calling our number, I finally wrote a letter to them & sent it certified return receipt requested. They rec 'd it XXXX/XXXX/15 & are still calling ( called yesterday ). The letter was from a sample from XXXX XXXX ( consumer advocate ). HELP!!!
Product: Student loan

To whoever it may concern, I am a college XXXX from XXXX XXXX and I have had on going difficulties working with Firstmark Services in trying to find a more reasonable payment plan in order to pay back my student loans. My plan was scheduled to start in XXXX of 2019. Before my start day I tried to get my loans into deferment in order to same income in order to pay off my loan because I was not able to make the {$500.00} monthly payment as set up by Firstmark Services. After going back and forth for a couple of days, Firstmark eventually granted me the 3 month extended grace period for my loans. I was very grateful for the fact they approved my request, but was also nervous because I was working a minimum wage job and knew three months would come up quick. 
Due to life circumstances I had to relocate from New York to Florida, which had a big impact on my finances. Now paying rent for an apartment, car bill, insurance, phone bill, utility bills, and other expenses, while being unemployed, I put in a request for another 3 month grace period due to these circumstances. Although I did start a better paying job in XXXX, I still was not in a position financially to start an additional {$500.00} monthly payment including all my other expense. After that request got denied, I reached out to Firstmark to see if we would be able to refinance the loan for a smaller payment for a longer period of time, which was denied. Even with offering to provide sensitive financial information, Firstmark refused to even talk with me and simply sent me an email denying all my request. I can not afford to lose my apartment, car, and job because this private loan company refuses to work with me even a little. I want to pay off these loans, but a monthly payment over {$500.00} is something I can not realistically make. I desperately need help and I hope someone will be able to help me because I'm running out of options of what to do. Thank you for letting me get a chance to submit my claim and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2020 I noticed 3 XXXX  transaction charges on my account all to the same number, totaling {$4000.00}. When I noticed this I immediately contacted chase to tell them I did not authorize any of the transactions and that my account was now overdrawn by {$4000.00}. I filed a claim with chase. On XX/XX/2020 I received a letter saying they will not give the money back because they think I authorized these transactions, which doesnt make any sense at all. Im not sure what they looked at to determine I authorized the transactions, but it doesnt matter because I did not do this. With a global pandemic and being a XXXX XXXX XXXX with two jobs, I can not afford to be {$4000.00} in debt for money that I did not transfer. I can not even receive my paychecks for my jobs because my direct deposit is wired to my now locked account, & theres complications with editing my direct deposit info with both jobs. Thanks to Chase, my account is now locked, and my account still overdrawn my {$4000.00}. I have been trying not to panic.