23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate. 

Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate. 
First estimate : {$2400.00}. 
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation. 

Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}
Product: Debt collection

I saw on my credit report that I had multiple accounts adding up to the amount of XXXX. I wrote to the hospital and applied for financial assistance. I never heard back. It has been more than six months. The debt is in collections at Bull Financial account # XXXX BULL FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I requested validation of the debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/ or medications received, but they also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I never signed a HIPPA form authorizing access to any such third parties having access to my records.
Product: Checking or savings account

I have a savings account with Capital One through my company. I would like to withdraw my money. I can not. Whenever I try to, I get the error, " Looks like we need to fix something, so we're working on it. Try again in a bit, or give us a call at XXXX, and we'll help you sort it out. '' I suspect that this error is related to the fact that I already made one large withdrawal over a week ago, but that's not what the error says, and the funds are mine to move as I see fit. When I tried calling the telephone number in a similar situation in the past, the agent was unhelpful and could not explain what was actually wrong.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Debt collection

There was a data breach and my information was leaked. 

I sent email to Sequium Company as a verification letter on XX/XX/year> About a debt an alleged debt of {$2100.00}. 
I never received a response from them. 
In addition they have broken FCRA rules and my rights by not following up on a debt that I never owned. 

XXXX is another. My info again was leaked and when I try to call they wont tell me anything because I cant verify said things that I dont know because its not mine. 



I also have an affirm Accounts on my credit that I did not authorize. 



I received an email letting me know that my information was hacked. Please help.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and these inquiries are not mine.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether JP Morgan Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of JP Morgan Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether JP Morgan Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether JP Morgan Chase was in compliance with its own policies and procedures ; ( v ) whether JP Morgan Chase owed duties to myself, what the scope of those duties was, and whether JP Morgan Chase did not uphold those duties ; ( vi ) whether JP Morgan Chases conduct was unfair ; and ( vii ) whether JP Morgan Chase has within its power the ability to, and should, compensate me for the harm that has befallen.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> {$990.00} Fundo.com is a payday lender out of Florida. I signed up to get a loan but I never with through with it. 
The lender start taking payments out my account without my knowledge or me signing any documents. 
Now they have placed a UCC Lien with Secretary of State Georgia attached to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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

Opened XX/XX/2019 Balance {$730.00} Company : XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr reported to XXXX XXXX on XX/XX/2019 and XXXX XXXX on XX/XX/2019 inaccurate information about my driving record. I provided Checkr with the correct information and they still refuse to update my records
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Product: Debt collection

I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was misled about my credit being run by Nissan XXXX XXXX, Through conversations it was understood that my credit was not to be ran. But it was several times. I connected Nissan about this and was told there wasn't anything they could do. Then a few weeks/days later they ran it several times again. I called them they responded saying they have 30 to run my credit. I demand my information be removed from their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry by Barclays Bank To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry that was placed on my credit report by Barclays Bank . This inquiry is a violation of my rights under federal law, specifically under 15 USC 1602 ( p ) and 15 USC 1681c-2.

Violation Details : 1.Use of Information : I did not provide Barclays Bank with my consent to perform a hard inquiry on my credit file. The use of my personal information in this manner is unauthorized and fraudulent. 

2.Violation of 15 USC 1602 ( p ) : Under this section, the protection of consumers ' personal information is paramount. Barclays Bank violated this statute by accessing my credit file without proper authorization.

3.Violation of FCRA Section 605B ( 15 USC 1681c-2 ) : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block the reporting of information resulting from identity theft or fraud within four business days of receiving notice. The inquiry by Barclays Bank is fraudulent, and I expect it to be removed promptly in compliance with this law. 

Requested Action : I request that XXXX immediately remove the unauthorized hard inquiry from my credit report. As FCRA Section 605B mandates, this fraudulent information should be blocked within four business days of receiving this letter.

This unauthorized inquiry has negatively impacted my credit score and has caused undue stress. I trust that you will handle this matter swiftly and in accordance with federal law.

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly.
Product: Checking or savings account

I went to the bank on XX/XX/19 to deposit my IRS check because I knew I had an overdraft. When I went to the teller and handed her my check to deposit she takes it and them after depositing the check she informs me that my account was closed. Then the banks tells me I have to wait for a letter with instructions on how I could get the money deposit. I receive two letters with different information but none instructing me what I need to do to get the funds. I today I call stress my personal issue to them I felt like they didn't care and they are telling me that my account is in the process of getting closed but then again the teller on the XX/XX/XXXX said my account was closed. In top of all the misleading information I still have to wait the two processing days to be closed and an additional 7-10 days to get my funds. And still no one is helping but I am the one the affect person here counting on those funds to be able to resolve my personal issues. I don't understand why can you just charged the amount owned and give me the funds belonging to me.
Product: Checking or savings account

Turned off overdraft payments. Company says I opted out of overdraft but not out of overdraft on automatic payments! 

Charged be XXXX overdraft on XXXX cent automatic payment for XXXX cloud. 

they MAY reverse it. Haven't yet.

That said, how can the CPFB let them charge a XXXX percent interest rate on a 1 day loan in this instance. How is this NOT usury. I'd love to hear this. 

they also charged me a XXXX overdraft fee on a large auto payment, of XXXX which they should have rejected. 

I'll get it reversed one way or another. But for me, they're taking advantage of the poor and people that can't fight this like I will. I feel bad for people who are scraping by, and have banks take advantage of them like this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint using information obtained from Experian credit reporting agency. 

On XX/XX/18 I filed a dispute on my Experian credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted Experian, to see where the information come from. 

Experian gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that Experian stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as Experian has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XXXX 2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

Experian is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight Experian. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Product: Mortgage

Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.
Product: Student loan

I have Sallie Mae for a private student loan. Over the time I have had the loan I have been on a repayment plan before. During my reduced payment plan, I made every payment on time. At the end of the one year period, my payments went back up. I was able to scrape together the higher amount for a few months, but now have gotten behind. I called them several weeks before my next payment was due to tell them that I could not afford the payment, and asked what my options were. I was told that there was nothing they could do for me until I was over 30 days late. I missed the payment. I called back today ( over 30 days past due ) and was once again told that there was nothing they could do to lower my payment. I want to be responsible and pay, and they will not work with me whatsoever. The cosigner on my loan is my now XXXX grandmother who is on social security/fixed income and is unable to help me at all.
Product: Debt collection

In XX/XX/XXXX, LAW OFFICES OF LES ZIEVE ( " ZIEVE '' ) involving a debt of property, ZIEVE failed to properly state it 's position/title in the transaction. Require ZIEVE to answer the following questions : In XX/XX/XXXX and XX/XX/XXXX, ZIEVE contacted me alleging a debt was owed.

1 ) Question : Was ZIEVE representing itself as a debt collector? If not state it 's specific title it represented.

2 ) Was the property ZIEVE was attempting to collect a ) Movable Property b ) Immovable Property 3 ) Is ZIEVE the principal party involved?

4 ) Is ZIEVE the agent of a debt collection agency?

5 ) What type of debt/loan was involved? a ) Conventional loan for real estate b ) Consumer Credit Loan such as a home equity line of credit account ( please state the loan transaction ).

6 ) Did ZIEVE record it 's documents of a substitution of trustee in the County Recorder 's Office, Book and Page indicating the transaction was related to real estate of immovable property?
Product: Student loan

I called to request a refund of payments made through the covid payment pause on XX/XX/XXXX. I was told it would be sent through. 

I called on XXXX to make sure it was approved and going through, which I was told it was approved on XXXX and I should expect something from them within a 4-6 week timeframe. 

I called XX/XX/XXXX to see when my balance on the Aidvantage website would update, which I was told that my request was never actually sent to the treasury for review. So I asked what needed to be done to get my request sent, which at this point was a month past my actual, initial request and was told they would handle it. 

XX/XX/XXXX I called to see if there was any update on my refund request and I was told it was barely sent on XXXX. So I have no idea why it is being dragged out this long when I was very much depending on this money for a financial emergency. They tell me there should be some movement within the next few days to my online account. 

XX/XX/XXXX I call again because I wanted to make sure everything was going through because I have very little trust in this process anymore since it seems all of my attempts to get this refund have been stalled. The Rep tells me they will escalate my issue and put me in queue with the rest of the borrowers who put in their request at the same time as me, but then I get an email saying my request was sent on XX/XX/XXXX and it will take up to 8-12 weeks from then. 

I have been given so many different responses and I just want to be given one, true answer with what to expect if I will ever been given this refund that was requested almost two months ago.
Product: Debt collection

Never got any calls, emails, or mail saying I owed any debt. Was apparently sent to a debt collector and now Im being sued and had to get a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a wrong address on my consumer report and is being reluctant to remove it. I have never lived in XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed I have two late payments on an account that i was never late for. The consumer reporting agencies have assured 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 screenshot inside this complaint in on dates of ( XX/XX/XXXX, XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments 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: Money transfer, virtual currency, or money service

I am writing to express my deepest concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and as my main source of transferring and sending money and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible as the funds were already sent. It was then in my discretion to get the money back from the individuals and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about my financial safety.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.