23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get a unemployment deferment as I graduated XX/XX/XXXX from the University XXXX XXXX XXXX. As my understanding goes that means as of XX/XX/XXXX I should be eligible for up to 6 months of unemployment deferment. I have been trying to obtain and fill out the paperwork to get the last 3 months of this unemployment deferment for the last month ( It is currently XX/XX/XXXX ). Phone calling Navient takes a minimum of 10 minutes to even reach a person. Then after wasting your time they often do n't help you at all. All I needed was a simple 2 page form for unemployment deferment which I am entitled to. They said that they would send it out at " midnight '' because their " system '' sends out all their emails and attachments in one big batch. Sounds like a scam. I think that Navient purposely makes this process unbearably long and takes unreasonably long amounts of time to even do something such as email you the form when the form should be available instantly on the website. Needless to say I did not receive the form. I eventually was able to get a hold of it by searching around and finding a general email address for complaints, then I was contacted 10 days after this email by someone with the form. I think they do this so that you are forced to make payments instead of defer it. I also think that they make it very hard to find an email address to use because they do n't want people having evidence in writing of such unacceptable practices. I had to make one payment already because they were taking so long to send the form, now that they sent it after 10 days they want another 10 days to " process '' the form. Each payment is for XXXX . I no doubt will have to pay another XXXX $ because their processing time is so long. My impression is that this is a system designed to lag in every aspect in order to accrue as much revenue as possible at the expense of me.
Product: Credit card

I received a American Express Card offer in the mail. The rate disclosure about their penalty APR says : " The ( penalty ) APR may be applied to new transactions on your account if : 1 ) you make one or more late payments ''. If Amex is applying their 29.49 % penalty APR after 1 missed payment, they fly in the face of the CARD Act, which states " Card issuers generally are prohibited from increasing the interest rate on an existing balance unless the cardholder has missed two consecutive payments. '' I have been a XXXX for 40 years ( probably one of the oldest on the planet! ), and I witnessed my clients struggle due to many of the credit card abuses. I was thrilled with the passage of the CARD Act, and I am reporting American Express because I do n't want the industry slipping backward. I will keep the offer and the Truth in Lending Disclosure in case it 's needed as evidence.
Product: Credit card

I had a Home Depot Credit card issued through Citi years ago. That account was closed by Citi due to inactivity, as I never used it. That account has all of my old contact information ( old phone number, old username, password, etc. ) When I went to use the card, I had to reapply. I did so & now have the card. However, I'm unable to get logged in to make payments. When I attempt registering it using the last 4 of my SSN, phone number, etc I'm told that's the incorrect info, though it is not. I've contacted customer service numerous times & spent well over 45 mins on the phone each time being transferred to person to person with no rectification. The new card is somehow linked to the old account that was closed due to inactivity. As such, I do not have access to whatever that login password was, the phone number that I had at that time, etc. They say they can't change my password without texting me a verification code. The verification code can't be sent to my phone number ( XXXX ) because that's not the number on the account ... which is the old account that was used years ago. They can't update that phone number without texting me a verification code... again, to the old phone number. I can't register for a new account with this card, because it's linked to that old account. I've incessantly been transferred from person to person and this still has not been rectified. As of today, I'm still unable to login and make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$300.00} USDEPTED XXXX {$1700.00}
Product: Credit card or prepaid card

1.I have never had an account with this company JPMCB CARD , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are JPMCB CARD the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Portfolio Recovery Associates called my employer in an attempt to recover a valid debt, causing me stress, embarrassment, and conflict at work. They are also calling me about an invalid debt that I do not own as well. XXXX is very deceitful and ruthless -- after careful review of my credit report they are reporting as a " factoring company '' which is one who buys corporate receivables at a discount not a XXXX dealing in uncollected bad debt. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card has not updated my balance which is XXXX $ with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open account on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open account. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open account have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to this error. Please help me correct this account XXXX XXXX XXXX XXXX Balance Owed : {$410.00}.
Product: Credit reporting or other personal consumer reports

Can you help understand whats going on with my credit report so that I can fix these accounts, please? I cant seem to understand why youre reporting inaccurate information on my credit report and need to see the documents that you have so I can match them against my own. Please note that this is factual information take directly from credit report and these are blatant inaccuracies. I would like for you to send me the documents that are used in this investigation. 

Note : I have addressed these items in the letter that I have attached. 

Your are Missing all account information. You must delete because all items must be complete and this account does not report : Original amount, High balance, monthly payment, payment status details
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.
Product: Checking or savings account

An account was opened fraudulently at Bank of America on XX/XX/16, using my name and personal information. Turns out they used this account to cash a fraudulent check a little over {$3500.00}. Due to this circumstance I have been barred from opening an account at all financial institutions, which has significantly impacted my life negatively, since it has happened.
Product: Debt collection

I am receiving repeated phone calls and text messages including associates and family members about a debt that is not owed. Everytime I call the number back I am given a different business name. The text messages state XXXX XXXX and I have been told the company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested an email address to provide the letter I have which states the debt has been paid in full ( has been paid in full since XX/XX/2022 ) and I have sent that letter to the email address provided XXXX. I called 2 of the numbers that shows up XXXX & XXXX numerious times to request the calls and text stop. I was able to speak to someone that stated the calls would stop in 24 hours but it has been a week and the calls and text are still occuring. Now when I call as soon as I request the calls to stop I am placed on an indefinite hold. I have literally stayed on the line holding until someone eventually picks up and disconnects the calls. I have also sent a cease and desist letter to fax number XXXX. I am unable to send a certified letter as they will not provide a mailing address. 

Case # XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 7 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: Mortgage

On XX/XX/XXXX I received an updated escrow analysis from my mortgage company XXXX Mortgage XXXX. This escrow was including my neighbors taxes which the mortgage company had already paid for XXXX. I send them the correct tax information from the county tax collector. They then asked for a legal description of the property to which my attorney sent them the legal deed, and county tax parcel descriptions to the escalation support on XX/XX/XXXX. They then called my on XX/XX/XXXX stating that those are not correct legal descriptions. They will not allow me or my attorney to speak with the tax department directly. 

XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

Between XXXX through XXXX, several XXXX XXXX XXXX of U. S. Department of Education managed FFEL 's # XXXX and # XXXX disbursed to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, the then Financial aid Director admitted FFEL # XXXX disbursed to it in the amount of {$5000.00} was refunded to XXXX XXXX. To date that loan has not been credited to my FFEL account ; XXXX  on XX/XX/XXXX, admitted that XXXX XXXX XXXX XXXX XXXX XXXX refunded FFELs # XXXX and # XXXX in the amount of {$10000.00} -- ( # XXXX {$4200.00} ; # XXXX {$6000.00} ) neither was refunded on XX/XX/XXXX, or to date those FFELs were not credited to my account. XXXX between XXXX thru XX/XX/XXXX garnished wages, offset federal tax refunds and garnished XXXX incomes. It confiscated over {$18000.00} for FFEL # XXXX debt of {$4200.00} disbursed to XXXX. XXXX violated DOL provision of 15 % of disposable income. It took 17 %. It owes me {$14000.00} without interest. U. S. DOE disbursed FFELs # XXXX thru # XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attended XXXX and XXXX ; however, XX/XX/XXXX, Secretary of Ed., XXXX XXXX withdrew Council on XXXX XXXX XXXX XXXX accreditation and neither school was entitled to participate in XXXX XXXX  funds. DOE failed to conduct XXXX, it disbursed {$26000.00} to XXXX schools with accreditation. Roughly {$70000.00} of loans repaid, fraud and ID theft used to obtain loans was not credited to reduce my alleged debt.
Product: Mortgage

My husband and I refinanced our mortgage in XX/XX/XXXX with a broker named XXXX XXXX XXXX of XXXX, FL. The Mortgage ( attached ) was dated XXXX XXXX, XXXX, was assigned by Assignment of Mortgage on the same date to Option One Mortgage Corporation. Both of these instruments are recorded in the Public Records of XXXX County, FL. We built this home in XXXX on land we owned free and clear, and moved in XXXX of XXXX. We learned through a succession of loan services for our mortgage ( Option One, American Home Mortgage, Homeward Residential, and now currently Ocwen Home Mortgage ) that our mortgage refinance from XX/XX/XXXX was placed in a mortgaged-back trust. We have a HAMP modification and are not in default, nor have we ever been in default or had foreclosure proceedings brought against us. My husband and I are planning to pass our home to our daughter when we pass away, and based on information we have learned from the mortgage crisis, our title is probably clouded. We want to know who owns our mortgage ; what entity will issue the Satisfaction of Mortgage when we pay it off? Clearly, many homeowners had to deal with fraudulent assignments " after the fact '' because the trusts had to show ownership for them to foreclose. Since Option One went out of business shortly after our mortgage was executed ( and the successor company no longer dealt in mortgages ) ... but our mortgage trail has no assignment ( s ) to the real estate security trust ... and creating assignments at this point to recreate that train of title would be fraudulent ( because the pooling and service agreement for the trust stated that the assignment to the trust had to be accomplished years ago before the trust closed ) ... how in the world is legal title going to be accomplished when the mortgage is satisfied and we own the house? We need to know what to do to establish clear title and guard ourselves against Ocwen Home Mortgage ( a known violator of fraudulent assignments and " robosigning '' ) from creating any fake documents.
Product: Debt collection

This company is garnishing my wages for a debt that I believed to have been discharged. I received a 1099 form and claimed it on my taxes. I have reached out to the company via telephone and was told that I needed to email them, I emailed them and have not received a response. In my email, I questioned the validity of the debt since I had previously received a 1099. I informed them that if I legitimately owed the debt, I would pay but that my husband is out of work currently, so the amount that they are withdrawing, close to $ XXXXmonth is TOO MUCH! I requested that they send me information regarding the debt, an itemized breakdown of what I owe, how much they claim that I owe entirely and a complete breakdown of the debt and the amount of time that they are expecting me to pay. I have not received an email back, nor a phone call, nor anything via the mail. I am asking CFPB to assist before seeking a lawyer and having to pay addl fees. Any help would be greatly appreciated. The HHL file # is XXXX
Product: Credit card or prepaid card

A " Macy 's Anerican Express card '' statement for XX/XX/XXXX was never received. The XXXX statement incuded late fees and interest charges. After calling account service number ( For some reason its actually Citibank, NA that services the account ) the operator # XXXX gave a me a very difficult time and although he did reverse the charges on the XXXX statement I asked that the account be closed since they were very difficult and hard to reach. I then got another statement ( XX/XX/XXXX ) that although there was a XXXX balance form the month before- they added {$7.00} of interest. When I tried to call again - I was routed to " Probate dept. "! Upon finally getting someone to answer - I was told that the account was closed as the operator above reported that the account was closed because I was DEAD- with absolutely NO report given to them to justify this action and was clearly done by the operator as vengeful punishment because of the argument we had in XXXX. They refused to reverse the XXXX interest charge because of being " DEAD ''! Clearly, she realized after asking me a ton of follow-up questions that I wasn't dead at all but again refused to reverse that charge. To keep my credit rating ( Over XXXX ) she said I would have to PAY the charge and call after they reversed their error reporting me DEAD. They finally sent a letter XX/XX/XXXX " correcting '' my report but now when I try to call no one answers and I'm automatically disconnected. 
I want them to reverse the {$7.00} XXXX interest charge and have it returned to me in a check since the account is closed.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX XXXX after reviewing my credit report the following information in my file does not belong to me. These items need to removed from my credit file immediately. I am a victim of identity theft and did not make the charges. Please remove to correct my credit file. I reported the theft of my identity to the fedreal trade commission and enclosed a copy of the FTC report. Please remove as soon as possible. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an Amazon Store Card which is a line of credit to be used exclusively on Amazon.com through Synchrony Bank. A few months later on XX/XX/XXXX when applying for a mortgage I was asked to explain credit inquiries made within the last XXXX days and noticed XXXX credit pulls on that date. XXXX for " SYNCB/AMAZON '' and another for " SYNCB/AMAZON XXXX ''. I only applied for a single line of credit but they had pulled my credit an additional time without authorization. After a search online I found others had similar problems with Synchrony doing similar unauthorized pulls and were unable to resolve the issue with Synchrony so I decided the best course of action was to go straight to CFPB to dispute this extra credit pull.