23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Debt collection

Attn : Access Receivables Reference Number : XXXX Original Creditor : Virginia State Department of Taxation.

This is a formal notice of identity theft ; attached is a police report ; and my original ID ; also below youll find case information from the FBI office in XXXX XXXX. 

Please stop contacting me, remove my information from your system, and return account to original creditor. 

U.S. Department of Justice Federal Bureau of Investigation FBI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX RE : Case Number : XXXX
Product: Vehicle loan or lease

Lendmark Financial is calling me twice and 34 times a day about my car loan which is totally unacceptable and against the rules and laws of Virginia they need to call once and that is it not calling back to back. Im aware that Im a one month behind but to Continuously calling multiple times in one day is a form of harassment.
Product: Credit card or prepaid card

On my XXXX XXXX  credit card account with XXXX XXXX they reported late payments for XX/XX/2022 and XXXX of 2022 each showing 30 days late. These late payments are incorrect I made minimum payments of the amounts requested and the dates requested. When I referred back to the billing statements it shows the payments were made.

Due to code 15 usc 1666 ( 2 ) ( b ) they need to correct this.
Product: Checking or savings account

I used XXXX to buy a camera in XX/XX/XXXX. But the seller did not deliver the camera. I filed dispute with XXXX and Bank of America. I also filed complaint with Department of Financial Protection, which confirmed on XX/XX/XXXX that XXXX informed that they refunded the money to my debit card at Bank of America. But Bank America denied and refused to refund the money to my debit card.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile and i was shocked to see unauthorized fraudulent inquiries on my profile this is hurting please remove these fraudulent inquiries as soon as possible XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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 information relating to any transaction by the consumer. XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I sold my house to pay off over $ 60K in loans with Navient. I sat in XXXX  XXXX XXXX XXXX office and spoke to someone from Navient to get the payoff. They refused to fax me the amount so I had something in writing and would only verbally give me a payoff. XXXX XXXXXXXX XXXX sent the payoff check to Navient. Not once in my 45 minute conversation with the gentleman from Navient did he disclose that the payoff needed to be sent to two different addresses. They applied the entire balance to one of the loans and left the other two loans outstanding. I logged into my account a week later and saw a negative $ XXXX balance on the one loan and the others outstanding still. When I called the Navient employee told me the payment would be applied to the other loans but that it could take up to two weeks. She assured me that the interest that accrued in the meantime would be adjusted. Today I log in and there is a remaining balance of {$100.00}. Had I not logged in and seen this I supposed they would have just kept accruing interest on that balance and before long I'd have owed a XXXX again!!! This criminal company is already in trouble for bad business practices!!! When I called today I was told they can not adjust the balance. I said they why did you LIE to me and say that it would be taken care of? Why would I pay off over $ 60K in student loans except for {$100.00}?? They are CROOKS!!!
Product: Checking or savings account

Bank of America Account # XXXX. XXXX XXXX of XXXX XXXX. Re : claim # XXXX Check # : XXXX Amount : {$85000.00} Bank names above with connection to named non-profit organizations XXXX. Opened and funded account # XXXX and issued a check from the Bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and traded on behalf of my good name to get service and goods without my permission or consent. Around XXXX  up to date. Still no resolution of my matters. And am seeking to resolve this issue. 

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Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
Product: Credit card or prepaid card

American Express bill payment due dates regularly fall on saturday or sunday Online major consumer bank does not issue payments on weekends - weekend dates are greyed out for setting payments, no consumer option to set weekend bill payment date. 
Payments submitted via online consumer bank are issue to American Express the 1st business day following weekend. 
American Express considers these late and charges fees Most recently American express payment dues date Saturday XX/XX/2021 Online payment via consumer bank made to American Express Monday XX/XX/XXXX Card XXXX - {$2.00} interest, {$35.00} late fee Card XXXX - {$29.00} late fee American Express requires their own direct pay system to be used. 
Consumers are being penalized for online banking no-weekend bill pay rules and American Express unreasonable demand bill payments on non-business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed and lost any hope that I can get rid of fake inquires and fraud account. Someone used my personal information and just on purpose damaged my credit score. I can not obtain any credits for my business because I have items that are not mine. Its killing me a lot and influencing my life. I am very sad nowadays, so I just want you to help me a bit and to apply investigation, after this you can remove these fake items. I need it o much like air.
Product: Mortgage

Recently Mr.Cooper.com has unilateraly increased monthly mortgage ( $ XXXX/Mo ) to $ XXXX/Mo, without cause. They have also instituted a monthly " penalty fee ''. My Modified loan is at 3 %, 30 year mortgage, that was serviced by XXXX XXXX. When Mr.Cooper.com took over this mortgage, and became also a " collection agent '' for XXXX, they decided to increase the monthly mortgage payment to an amount beyond our ability pay, given in my family of 3, over the past 3 years, we have faced 2 life threatening medical issue of XXXX ( wife ) and XXXX XXXX ( XXXX ) financial hardship as well as increased anxiety due to systematic harrasment by XXXX, their attorneys and now " Agents '' Mr.Cooper.com and XXXX. 

Mr.Cooper 's website for " contact us '' refused to take my written request. Previously their phone assistant was unable to address this issue by phone, after a very time consuming phone call process they have in existence
Product: Mortgage

I have a VA mortgage ; my account is current and I requested 180 day forbearance as authorized under the CARES Act due to being affected by this pandemic. This request was done on XXXX XX/XX/2020 @ XXXX. Plaza Home Mortgage / XXXX XXXX XXXX  the servicer understood my 180 day forbearance request I was requesting under the CARES Act law. The servicer stated they would only give me a 90 day forbearance and would not honor my request for 180 day, because they dont offer that XXXX XX/XX/2020 @ XXXX I called above company to verified my forbearance status ; talking with XXXX XXXX ID # XXXX She said that my account was coded as 90 day forbearance. I again stated I wanted the full 180 days first request that was given to me by the CARES Act that is law. She stated that the CARES Act was a Federal government thing and that they ( XXXX XXXX  ) where not apart of the Government. Inferencing they didnt have to follow the government law.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account WELLS FARGONA/XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGONA/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

I opened XXXX XXXX XXXX XXXX Credit card account ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX with a promise of 18 month interest free account. I had an opening credit balance of {$9700.00} with a purchase. 

XX/XX/XXXX - {$38.00} late fee XX/XX/XXXX - {$38.00} late fee XX/XX/XXXX - {$1.00} Minimum interest charge I can only see 12 months of history due limited website functionality there is another {$28.00} as dispute charge. 

I have called their customer service, firstly they can not access my information from their side, as they can see only 6 months of account history, secondly since they can not see these charges they can not help me, gets frustrated and disconnects the phone. I have paid all my payments every month, despite of this Wells fargo has accumulated the late fees charge as {$100.00}. This is poor processing and backend issues on the banking and payments side which I can not do anything about. Despite complaining, this is going to deaf ears and I have no forum where I can report this misappropriation of system issues to consumer. This is very unprofessional of Wells Fargo.
Product: Student loan

Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.
Product: Mortgage

I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan!
Product: Student loan

I have had this student loan for going on 10 years. When I signed up for this student loan I was told that I could receive a co-signer release after making two years worth of on time payments. After making my two years worth of on time payments I was told that I could not receive a co-signer release because I was on a graduated repayment schedule which had a lower payment than the full schedule payment. They said I had to make an additional two years worth of full on time payments before I would qualify to have my co-signer released. I called in yesterday to check to see if I have made enough full payments to have my co-signer released from the student loan and was told because I took a temporary forbearance on this loan that it prohibited me from ever getting a co-signer release. If AES knew I have been trying to get a co-signer release when I requested the temporary forbearance why would n't they tell me when I called in " If you do this your going to be stuck with your co-signer forever '' why does it not stipulate it on any of the forbearance paperwork I received from them? This is deceptive and wrong. They need to honor our agreement for the co-signer release.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXX XXXX Account XXXX XXXX had late payments on an account that i was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XX/XX/2022 And XXXX.Please investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX # XXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed. Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 2. Provide verifiable documentation from the information provider that supports the reinsertion of the account. As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA. Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX Account Number : XXXX account from my credit report. 2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable. 3. Assurance that steps will be taken to prevent any further improper reinsertions. I expect a prompt response and resolution to this matter within 30 calendar days, as required by law. Please confirm receipt of this letter in writing.
Product: Checking or savings account

My name is XXXX XXXX, and I hold an account with Navy Federal Credit Union. I am writing to bring to your attention a series of unauthorized transactions and subsequent issues with my account access that occurred between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I noticed the first unauthorized transaction on my account. I immediately contacted Navy Federal Credit Union, and they issued a new card, which was sent to my address. Despite this, on XX/XX/XXXX, I detected further unauthorized activity. I again promptly notified Navy Federal Credit Union, and on XX/XX/XXXX, they informed me that my account had been compromised. Consequently, they closed my original account, issued a new account number, and guided me through changing my online access username and password. 
Unfortunately, on XX/XX/XXXX, my password was unknowingly reset, and on XX/XX/XXXX, additional unauthorized charges were made. I reported these charges and filed a dispute. On XX/XX/XXXX, I contacted Navy Federal again due to continued suspicious activity. The following day, XX/XX/XXXX, I was denied access to the funds in my account. 
On XX/XX/XXXX, at XXXX, I received an email stating that Navy Federal withdrew {$1500.00} from my account. At XXXX the same day, another email indicated that my claims filed on XX/XX/XXXX, had been resolved. I contacted the Navy Federal Credit Union fraud department to request the documentation used to make this decision, but to date, I have not received any response. 
When I inquired about the withdrawal, I was informed it was to cover transactions from the account closed due to fraudulent activity on XX/XX/XXXX. Despite my efforts to seek clarification, including a 40-minute call with the fraud department, the issue remains unresolved. 
On XX/XX/XXXX, my computer was disabled by XXXX due to spyware infection, which compromised several passwords and personal data. I promptly informed Navy Federal about this breach, yet access to my funds was still denied.

The only deposits into my Navy Federal account are my monthly VA XXXX and XXXX XXXX ( XXXX ) payments, which are protected under Title 38 of the Code of Federal Regulations ( CFR ), specifically 38 CFR 13.140. This regulation states that financial institutions can not restrict access to these funds. On XX/XX/XXXX, at XXXX, I received an email stating Navy Federal withdrew an additional {$1600.00} from my account, marking the second unauthorized withdrawal.

My last bank statement indicates a balance of {$1300.00}, yet Navy Federal still refuses to grant me access to my funds. According to 38 U.S. Code 5301 and 31 CFR 212.3, VA benefits are protected against assignment, XXXX, or XXXX, including by financial institutions. These regulations mandate that once deposited, these benefits can not be garnished or restricted. 
As of today, XX/XX/XXXX, Navy Federal Credit Union continues to deny me access to my funds.