23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was divorced in XXXX. I was awarded the home property. I was told I would need to send a Quit Claim Deed and Divorce Decree pages showing that I was awarded the home. I sent both of those over in XXXX of XXXX. I did not receive new documents for the loan modification to add missed payments to the back end of my loan totaling {$16000.00}. I reached back out to Freedom Mortgage again and was told that the documents weren't sufficient. NO CALLS FROM FREEDOM MORTGAGE! I had to reach out to them every time... They deemed them unreadable. I sent the documents via fax again. I finally received documents from Freedom Mortgage with my ex-husband still on the loan in XXXX. I contacted Freedom Mortgage and asked why I had received documents with both of our names and the response was that it was a mistake ( meanwhile, I'm incurring compounding interest charges on the forbearance that had come due and my account was put in " early foreclosure '' ). I asked for the correct documents, resent my documents a third time after retaining an attorney. I was told that I would receive the documents around the first week in XXXX. When I received the documents, they were the same as they were before except a higher interest rate for my modification because the FED just raised rates. AND, I am going to have a higher monthly payment than I had before. Talk about a bait and switch! This mortgage company is costing me thousands of dollars. Especially important to note that this a FHA loan. It is a federal loan. So they are scamming me while scamming the government by forcing people into unnecessary modifications due to their failures. 

My credit has been totally destroyed while all of this has been taking place. I have lost opportunities for my business because of my credit situation due to COVID Forbearance. I had to start a new job in a completely new industry because I was shut down. 

It is now XX/XX/XXXX and I still have not received the correct documents for my loan modification. I have spoken to representatives at Freedom Mortgage at least 4-5 times since I received the latest incorrect documents on XX/XX/XXXX. Each time, I was told that Underwriting or " this needs to be escalated '' and nothing ever happens. Meanwhile, I am required to make a payment on a loan modification that I have no written terms, no documents, NO DISCLOSURES and no real progress on. 

I was told today that this situation is on a supervisor 's radar but that documents may need to be submitted again. And, that I may need to submit my full divorce papers which are PUBLIC RECORD and not really anyone 's business. 

I don't know where I can go from here but seeking an attorney seems to be the only option. This is a messy, unorganized, untruthful, shady and predatory situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some unauthorized inquires on my EQUIFAX consumer report. 

On XX/XX/XXXX I informed EQUIFAX of the unauthorized use ( 15 USC 1602p ) on my report, I required EQUIFAX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that EQUIFAX are willingly and knowingly reporting false information on my consumer report. 

I required EQUIFAX to delete these items from my consumer report immediately, they are harmful and detrimental to my personal living mode as well as to my family. 

To Date XX/XX/XXXX, EQUIFAX has yet to respond to the letter sent through the mail. 

I demand EQUIFAX to delete the unauthorized, unverifiable and unconfirmed inquires on my consumer report. Refusing to delete these unauthorized inquires without proof of authorized use will be a liability of willful noncompliance. pursuant to section 616 ( a ) ( 1 ) ( A ) ( B ) of the Fair Credit Reporting Act. I demand that EQUIFAX delete these inquiries from my consumer report or I shall seek for monetary relief due to the harm and stress due to this false information EQUIFAX is reporting on my consumer report. 

XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I require you to delete these unauthorized inquires and update my consumer report, and send me an updated report.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally dispute Navy Federal Credit Unions actions related to my account. After opening my account and receiving statements from Navy Federal, I was informed that I would not be issued a card, my online account access was frozen, and I am now unable to fully access my account funds and services. These actions, which were taken without appropriate explanation or due process, have caused significant inconvenience and may violate my rights as a consumer.

Under 12 CFR 1005.6 ( Regulation E of the Electronic Fund Transfer Act ), financial institutions are required to provide transparent access and protect consumers right to access their funds in a fair and timely manner. By blocking my access to my online account without adequate justification or notice, Navy Federal may be in violation of these requirements. Additionally, 12 U.S.C. 5531 of
the Dodd-Frank Wall Street Reform and Consumer Protection Act prohibits unfair, deceptive, or abusive acts or practices by financial institutions. Blocking my access to funds after approving my account and sending statements constitutes an unfair and potentially deceptive action. Navy Federals decision to withhold a card and restrict account access after accepting my application and issuing statements gives the appearance of misrepresentation and undermines my trust as a consumer. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Navy Federal has a responsibility to ensure the accuracy and integrity of information they provide to me and to
consumer reporting agencies. If my account activity is being reported inaccurately due to these restrictions, it further impairs my access to financial products.

I am requesting : 1. Immediate Restoration of Online Access and Full Account Access : Navy Federal should remove any restrictions on my account and restore my online access, as well as issue the card initially promised to me.

2. Written Explanation for Restrictions : Navy Federal should provide a detailed, written explanation of why my account access was restricted, why I was denied a card, and the legal basis for such actions.

3. Assurance Against Future Unjust Restrictions : I ask Navy Federal to outline the steps they will take to ensure my account access is protected, and to prevent any future occurrences of this nature. 

Please consider this letter as a formal notice that, if my access is not restored promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and other relevant agencies for further investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, CC : Consumer Financial Protection Bureau XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was surprised to see adverse information stating, " Transferred ; was 30 days past due date '' on my credit report. I filed a complaint via XXXX, but it was not removed. This information is incorrect as I was not past due ; we had an agreement that I did not need to pay at that time. Every month under " payment history '' it shows OK or and X signifying I paid ( or didn't pay ) per the agreement. 

I requested a forbearance under the CARES Act due to the XXXX pandemic, which was granted. I repeatedly confirmed that this would not result in any negative marks on my credit report and understood from the XXXX XXXX that my credit would not be negatively affected. However, the comment under " pay status '' is showing as adverse. 

I am attaching a snippet of my credit report with the derogatory information, my XXXX statement and my XXXX statement from when my account was transferred as I am assuming this is the period in question. Please note this comment on my XXXX statement : " You requested a forbearance plan, and under this plan, no payments are due and no late fees will be assessed to your account during the forbearance plan. The total amount due, regular monthly payment, and late fee included in this statement are provided for informational purposes only. XXXX not required to make payments while on forbearance and no late fees will be assessed to your account. '' Lastly, I did call LoanCare today, XX/XX/XXXX to inquire about this issue and the operator I spoke with wasn't able to clarify this issue for me.
Product: Debt collection

This company left me two voicemails back to back at XXXX XXXX XXXX & XXXX XXXX XXXX. Per FDCPA only one voicemail is supposed to be left per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has a XXXX balance. I received a Form XXXX, Cancellation of Debt on this account more than 6 months ago. 

XXXX XXXX XXXX {$31000.00} Please have The bank provide a letter stating that ths account is not a XXXX or if it is one.
Product: Debt collection

In XX/XX/XXXX, after several attempts to try and resolve the many problems I was having with XXXX, in which they made several promises to me, that included compensation to my bill for their ineptitude, I ended our business relationship and went to another provider. They sent my remaining bill to collections, and it reflected on my credit report for several years before it appeared to drop off. In late XX/XX/XXXX, I noticed a new discrepancy on my credit report for {$460.00} from Waypoint Resource Group, who was reporting on behalf of XXXX, but they reported as a new debt. I contacted both Waypoint and XXXX to offer a payout of {$200.00}, but neither company was willing to accept. I did explain to both that I had ample grounds to make a complaint with the proper authorities, and I would do so if we could not come to an agreement. Here is my first complaint to the CFPB. I am also waging a complaint with the AG in my state, and I will be disputing this zombie debt with all three credit reporting agencies as having been improperly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card

I cancelled a purchase at XXXX XXXX, which was paid with my American Express Card using XXXX. Since XXXX XXXX was not refunding for weeks. I filed a dispute with the cancellation with American Express and XXXX. I got two refunds, and American Express reversed one of them early XXXX. to be squared, and just refunded once for something that got cancelled. 
During XXXX XXXX charged again what was already solved by American Express. So now I am charged for something I cancelled before picking it up. 
XXXX has all the information and evidence for the reversal of the second refund by american express, Nevertheless XXXX  wants to collect the amount again even while American Express already reversed the second refund. 

XXXX and american express are arrogant and dont want to talk to each other to solve the matter without affecting the customer. This has been taking a lot of my time and resources, I ask for compensation from paypal due to their negligence and sanctions to both, after taking the negative balance on my paypal account with the negligent reversal they are making. Now in reality I am being charged again for something I never received.
Product: Student loan

From XXXX to XXXX I took out loans from XXXX XXXX called student signature loans. At the time my mother was assisting me in taking loans out that were for paying for school. Unfortunately, being XXXX XXXX XXXX I trusted the entire situation without much thought. I took out several loans with high interest rates without even a cosigner at the time hoping to accomplish my degree and receive a great job XXXX. I was under the impression that the loans I was taking out from XXXX XXXX were federally backed loans not private loans. I realized that this was not the case when I graduated in XXXX. Also when I took the loans out at the age of XXXX I signed for them without fully understanding the gravity or the overall cost they would amount to. My wife and I currently pay {$1700.00} a month in student loans and now my federal loans are about to kick in as well. We will be roughly at {$2000.00} a month between XXXX us and majority of that payment is mine. I have submitted a complaint before ; however, it did not get anywhere. I am hoping to having a child and maybe even buy a home ; but, in this current state that is impossible.
Product: Payday loan, title loan, or personal loan

I was just furloughed due to COVID-19, and have asked my creditors to defer payments temporarily until I can sort out my new financial situation. All of them have responded positively by deferring my payments temporarily. 

I contacted Upgrade today ( XX/XX/2020 ) to make the same request for deferment. I explained that I am impacted by COVID-19 and have been put on furlough. My normal payment is {$270.00} per month. The representative told me they can only take {$100.00} off of my payments, and then spent a full 60 seconds reciting the terms and conditions. I asked her for a copy of the terms in writing and she told me that they don't provide it in writing, even through email. The only part I understood in the rapid reading of the terms is that the payments are tacked on at the end, which at least helps. 

Regardless, I reluctantly agreed because I can't afford the other option which is to pay the full amount when I am struggling now to pay for rent and food. 

Would the CFPB be able to contact the lender and see about better terms on deferment? I have good credit, never miss payments on loans or rent, and am simply needing flexibility until I can sort out things financially. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. Additionally, they have not provided me with any written notice regarding the outcome of those disputes. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against the credit bureaus under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I have discovered multiple inconsistencies and inaccurate information in my credit reports, which are in violation of my rights as a consumer.

Under the FCRA, I am entitled to receive a credit report that is 100 % accurate and reflects a true and fair representation of my credit history. However, upon reviewing my credit reports from all three credit bureaus ( XXXX, XXXX, and TransUnion ), I have identified several inconsistencies and errors that raise serious concerns about the accuracy of the information being reported. 

Specifically, I have identified the following misleading and false accounts : XXXX. XXXX - XXXX : This account has been reported by all three credit bureaus, and it contains inaccurate and misleading information. I have contacted the debt collector associated with this account and requested proof of the alleged debt, specifically the alleged original application bearing my signature. Despite my repeated requests, the debt collector has failed to provide any such proof, which indicates that they are reporting misleading information. 

XXXX. XXXX - XXXX : Similarly, this account has also been reported by all three credit bureaus, and it contains inaccurate and false information. As with the previous account, I have contacted the debt collector and requested proof of the alleged debt, including the alleged original application bearing my signature. Again, the debt collector has failed to provide any such proof, suggesting that they are reporting false information. 

These inconsistencies and failures to provide requested documentation violate both the FCRA and the FDCPA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Furthermore, 15 U.S. Code 1681i ( 5 ) requires the credit bureaus to conduct a reasonable reinvestigation upon receiving a consumer dispute. In this case, the credit bureaus have failed to fulfill their obligations under these laws by reporting inaccurate and false accounts without conducting thorough investigations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against the credit bureaus for their violations of the FCRA, FDCPA, TILA, 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I also request that the credit bureaus rectify the inaccuracies and false accounts in my credit reports, ensuring that my credit history is accurately reflected. 

I appreciate your attention to this matter and trust that you will conduct a thorough investigation to protect my rights as a consumer. Please provide me with any updates or actions taken regarding this complaint. 

Thank you for your assistance. 

Sincerely, XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 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 USC 1861s ( 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.

15 USC 6802- I did not receive the required opt-out notice at the time this acct was created and being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to officially contest the existence of unauthorized inquiries on my credit report, alleging violations of 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) and 15 U.S. Code 1681c-2. I also want to emphasize that I have never given a consumer reporting agency my written consent to include anything on my consumer report, which is against my rights as a customer whose rights are federally protected. The existence of these illegal hard inquiries on my accounts violates my constitutional rights and is an act of identity theft.

Before disclosing any details from the consumer. The consumer reporting agency needs to get authorization in writing as is expressly required by 15 U.S. Code 1681c-2. Once again, I want to emphasize that I have never given a consumer reporting agency my formal authorization to include any material on my consumer report. The unapproved inquiries on my credit record are a clear breach of this clause as a result.

Additionally, 15 U.S. Code 1681b - Permissible objectives of consumer report ( a ) and ( c ) says that consumer reports may only be obtained for purposes, with the written approval of the consumer. I have not given any written permission for the businesses responsible for obtaining or reporting any details if my credit report is subject to unauthorized requests. Therefore, these unauthorized inquiries also violate this clause. 
I demand the immediate removal of all unapproved hard inquiries that are listed on my accounts. These unlawful queries not only violate my rights as a federally protected consumer but also negatively impact my credit worthiness and financial stability. For my credit report to once again be accurate, honest, and fair, their elimination is essential. 
I kindly request that you investigate the unlawful requests on my credit report in detail, because I, the consumer, did not provide any written authorization. You must comprehend how these unlawful queries violate my rights and could lead to identity theft. I rely on you to provide this matter with your undivided attention and prompt consideration. 
I demand that, as a federally protected consumer, you acknowledge receipt of my dispute letter within the 30-day window specified by the Fair Credit Reporting Act ( FCRA ). I am counting on you to investigate the unauthorized inquiries as soon as possible and make sure they are removed from my credit record. If you don't abide by my request, I might take additional legal action to defend my consumer rights. 
I appreciate your quick response to this situation. I'm hoping for a quick decision that defends my rights, deletes unauthorized inquiries, and corrects the information on my credit report. Please don't hesitate to get in touch with me if you require any additional information or proof to help with the investigation. 
Sincerely, XXXX XXXX