23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had to file personal bankruptcy to stop XXXX XXXX from taking my house from me. When I did that, another company Shell Point Mortgage, whom I believe is involved closely with XXXX XXXX, came after me again even though I am in bankruptcy. Why would a mortgage company buy a mortgage where the balance owed was less than XXXX XXXX dollars with no default payments? I have called them multiple times, on hold for hours only to be disconnected. They do not send me any bills, they do not send me invoices to pay. They are trying to steal my house from me. I WANT to pay. I am ABLE to pay. I am TRYING to pay but they do not want my money. They have only sent me one invoice to pay and never have sent one after, I make copies of the old invoice and still pay monthly. They claim they can not talk to me because of the bankruptcy and that I must communicate through my lawyers, I have had my lawyers send them MULTIPLE letters stating that they can speak with me, and the bankruptcy board, still no communication.
Product: Credit reporting or other personal consumer reports

I sent a letter to Transunion on XXXX XXXX XXXX 
I informed them that I had things listed on my consumer report that I didn't give written permission for them to be on there nor did they consult me to post on there. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; All experiences are supposed to exclude transactions and experiences between me and the person making the report.

Furthermore, 15 USC 1681b states that I have to give written permission to reporting agency or other business to share my PERSONAL information- WHICH I DID NOT GIVE. 
I asked for the following to be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquiries, since experiences are supposed to be BY LAW be excluded from consumer reports unless I give permission - which I did not.
Product: Checking or savings account

I opened an automatically renewable personal cd on XX/XX/2008 with Wachovia Bank.  When I went to cash it in earlier this year, Wells Fargo had purchased Wachovia.  Wells Fargo stated that they do not keep records for more than 7 years, and the original CD certificate is not proof that the funds were not dispersed.  They are refusing to pay me my money that I entrusted to them because of their record keeping.
Product: Vehicle loan or lease

They have a high Balance of {$27.00} and a balance of {$13.00} how much was the car sold in auction and how much is owed on the vehicle. I had a good relationship with Honda Financial and I was wondering how I can come back and purchase a vehicle and wave the extra fees owed?
Product: Student loan

My private student loan account has been current with Navy Federal Credit Union Since XXXX. Some of the time until now my account has been in repayment, and for some of that time my account has been in forbearance due to financial hardship and my inability to make the monthly payments with my other debt commitments. I have submitted 4 consecutive forbearance requests during this time, all of which were approved. In early XX/XX/XXXX, I submitted another forbearance request which was denied by my loan servicer. I was told that the reasoning for my denial was that I am required to make 2 full months forth of payments before being able to submit another forbearance request. With this I have 2 problems : 1. ) If I were able to make 2 months worth of payments, I would not need to apply for forbearance. 2. ) On XX/XX/XXXX a representative from the XXXX XXXX Student Loan Collections department informed me that the rule for having to make 2 payments in-between every forbearance request was newly instated in XXXX of XXXX. I received no notice for the change in policy and could not have possibly prepared myself financially for their change in policy. The intuition offers no additional financial assistance ( ie. income driven repayment options ) that can assist borrowers with keeping their accounts current. Although I offered to pay half of my monthly payment at this time ( as this is what I can afford ) I was informed over the phone that a half payment is equal to no payment and will still result in consecutive negative reports to the three major credit institutions. They suggested that I attempt to refinance the loan, but that can not be done until the account is current. Additionally by making negative reports against my credit during my time of financial hardship, they are effectively sabotaging any chance I would have to be approved for a refinancing program.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry on my credit report. This inquiry violates my rights under the FCRA. This inquiry dated XX/XX/year>, was not authorized by me and lacks any legitimate reason. I request immediate removal and confirmation of action taken.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Product: Student loan

1. Before Navient took over the loan in XXXX, a {$15000.00} payment was made on the loan, which brought it down to about the same amount. ( Original total was {$30000.00} ; the loans were paid {$15000.00} and consolidated. See attached screenshot from Navient site ) After that I made payments, over many years. Throughout that time I attempted to lower my payments so that I could make them, but was consistently talked into a forbearance, which has only increased the amount of a loan significantly. 
2. In XXXX, I made a payment of {$8000.00} to my loan total which was about {$15000.00}. Today when I look at the total on the Navient site, it has gone back up to {$17000.00}. I was never informed that interest was going to accrue over the subsequent 3 three years or that the payment wasn't going to cut the balance in half. 
3. See attached screenshot. Just in the past month my balance has increased by {$100.00}. For what reason? 
4. I am a XX/XX/XXXX, I've never brought home more than XXXX a year. I XX/XX/XXXX in a private school, so I am not eligible for any kind of loan forgiveness. However, approximately XXXX of the original XXXX has been paid since the loans were dispersed in XXXX and in XXXX, but now I am being taken advantage of by a for-profit institution that incentivizes students going into forbearances. At this rate, they will never be paid off.
Product: Debt collection

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this ONEMAIN account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately I have never been late on this account is paid off
Product: Debt collection

On this date of XX/XX/2020 Midland Credit Management opened a collection. 
Account # XXXX. Amount owed {$620.00} I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights according to the FCRA as a consumer. I do not have written consent from my end. Also, they have not verified that I owe this debt to this alleged company. PLEASE, have this removed from all three credit bureaus. 

Thank You. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I accidentally sent a transaction to the wrong friend 's account. Once I realized the mistake ( a few minutes later ), I asked him to send it back. He told me the money was not in the account. I contacted XXXX  to ask them to reverse the transaction. They told me they needed my friend 's permission since my transfer went to an " active account. '' My friend contacted XXXX while I was talking with XXXX   and gave them permission to reverse the transaction. XXXX  explained to my friend that his account was " frozen '' due to a negative balance as a result of prior transactions that XXXX  could not recover from his bank. XXXX  's payment system " automatically '' applied my payment to my friend to his debt being held with XXXX. I've called XXXX  to ask them to credit my account and revise my friend 's balance with them, which would make things right between all parties involved. XXXX REFUSED. I escalated to a supervisor twice and each time XXXX  's representatives told me my only recourse was to hound my friend in person or outside of XXXX 's service to get reimbursed. I find it unacceptable that XXXX has no process in place to protect users of its services from mistakes or human error, or that they could contemplate running a payment service transacting in billions of dollars per year with absolutely no mechanism to reverse incorrect or otherwise misplaced transactions. I've paid XXXX for their services and have an account in good standing and I think I should be entitled to some process or claims procedure to have my money reimbursed. XXXX  can still pursue debt collection of my friend in any way they see fit, but " automatically '' applying payments received by an " active '' but " frozen '' account and then claiming to have no way whatsoever ( I asked specifically for a room of humans to get involved and make a decision and they said no ) to reverse the transaction is unacceptable. 

On top of that, I suspect this practice violates a number of debt collection laws. My friend attests that he was never made aware of XXXX 's holding of a negative account balance against him. When he logs in to his account, it displays {$0.00} and not a negative amount. XXXX  representatives told me it was a common practice to take any deposits coming into an account and apply it to negative balances held first. I said that this is not the same as my friend making a deposit on a power bill in arrears. They took my money and used it to pay down my friend 's debt, all without me or my friend knowing!! That has to be violative of a number of rules and regulations, and if it isn't, IT SHOULD BE!
Product: Mortgage

I 'm requesting a mortgage modification to my existing XXXX mortgages. I just moved out to California for a job. A few months later the entire department was outsourced. As a result, my income is not what was anticipated. I have good credit. I have no wish to miss payments and a modification is appropriate. 

Moreover, after being XXXX military ( XXXX ) XX/XX/2011, I attempted several times to modify my loans for XXXX XXXX XXXX XXXX XXXX ( XXXX to OCWEN to XXXX ) and XXXX XXXX XXXX # XXXX XXXX, ( XXXX to XXXX ) but was repeatedly denied this opportunity. 

Finally, this loan companies in question ( all ) continuously misplaced information on the condo HOA and the HOA 's insurance, and demanded updates of the same information every year despite the fact that the information never changed. Worse, the only notice they provided for said demand invariably took the form of a fine or penalty as a result of not providing the same information - provided every year for the last several years already - yet again. 

Despite the fact that they did n't request it, the HOA has not changed, and it appears to all that they were merely acting ignorant ( as if they have n't repeatedly received the same information the pretend not to have every year ) as a pretext for imposing fines and redundant insurance policies. I think this is wrong and I again renew my requests. 

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

There was a credit inquiry on XX/XX/23 that was unauthorized. I was attempting to log onto my XXXX XXXX account and it was wanting to do a verification. I got a text and when I clicked it to do the verification it said I was all set up to set up my account. Then I was notified through experian about an inquiry to XXXX XXXX. I didnt authorize it.
Product: Mortgage

EMortgage Capital Contacted without my request. They clearly obtained information about my home, it's value and the remaining amount I owe on it. At NO time did I reach out to them to discuss my home or any type of loan with them. 
On XX/XX/2024 XXXX They sent me an unsolicted quote VIA TEXT for a refinance of my primary home. 
On XX/XX/2024 They called me at XXXX despite me opting out and notifying them I never requested that quote I responded that that I didn't request a quote and send OUT per the text instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Bank on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX Collect on XX/XX/XXXX with a balance of {$6400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

My credit card Company - Continental Finance/XXXX mailed a renewed card to my address which I never received. Fraudulent purchases were made on this card. When I called this to the attention of the credit card company they granted me a provisional credit while they investigated the dispute. The determined the charges to be valid. I appealed that decision and, again, they ultimately determined that the charges were valid again. 
There was a total of XXXX transactions. All were made on XX/XX/XXXX. The amounts were {$12.00}, {$74.00}, and a cash advance of {$200.00}. I just discovered that a new fraudulent charge was made on XX/XX/XXXX for {$10.00} after I asked that the card be canceled.
Product: Credit reporting or other personal consumer reports

I saw some wrong court reports on my Experian credit report in counties in kentucky I never been or I have court.I only have one record in XXXX ky XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there XXXX different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. XXXX is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? XXXX, and Transunion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following fraud items should be removed as soon as posssible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I advised that this was identity theft and opened accounts without permission and to provide proof that the collection belonged to me as well as the original amount owed and original creditors Information which to date has not been provided. Please block all collections and inquiries from my account.
Product: Credit card

I APPLIED FOR A BEST BUY CREDIT CARD WITH A LIMIT OF {$4000.00}. I WAS THEN GIVEN PAYMENT TERM OF 48 MNTS WITH 11.9 % APR OR 24 MNTS WITH 0 %. A BEST BUY REPRESENTATIVE ASSISTED ME AND ACCIDENTALLY SIGNED ME UP WITH THE 48 MNT PAYMENT TERM WHERE I WILL BE PAYING 11.9 % INTEREST ON PAYMENTS WHICH I WAS UNAWARE OF. I SPECIFICALLY ASKED THE INDIVIDUAL FOR THE 24 MNT PAYMENT TERM. ALL OF MY PAYMENTS ARE CONSISTENT WITH A PAYMENT TERM OF 24 MNTS OR LESS. I WILL THEREFORE BE PAYING INTEREST IN EXCESS OF {$500.00}. I HAVE BEEN GOING INTO BEST BUY AND ASKING THEM TO CHANGE MY TERM AND THEY ARE SAYING THAT THEY CAN NOT DO IT. I ASKED CITI BANK TO DO THE SAME AND THEY ARE SAYING THAT THEY ARE UNABLE TO CHANGE THAT INFORMATION. I AM NOW OUT OF OPTIONS
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. 

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 XXXXXXXX These above accounts have 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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. 

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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.