23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX Ref # : XXXX Acct # : XXXX Property : XXXX XXXX XXXX XXXX XXXX, NY XXXX I am filing this complaint against JP Morgan Mortgage Acquisition Corp. JP Morgan is currently the holder of our mortgage but the servicing is handled by Shellpoint , whom we have also filed a complaint against. I have tried contacting JPM directly but they do not have our loan on file, which is shocking. 
We have just ended a 6-month forbearance on our loan, due to financial hardship, with the understanding that we would be able to defer all or some of our missed payments. When our forbearance ended, XXXX notified us that we could not defer our payments and needed to make a lump sum payment or our account would be in default. When I asked for more information on why we couldn't defer our payments after being told that was an option, the only response I have received is that " our client '' will not approve the deferment. 
XXXX has told me many times that JP Morgan will not approve a deferment on our loan and there is no reason given. I find it an unacceptable practice that we were given an option for deferment at the beginning of our forbearance, but when it ended, that was no longer an option and there was no reason or explanation given. We feel JPM would like us to foreclose on our house and try to sell it for a profit. That is what seems to be happening. We have heard other banks defer full forbearances without any question. I demand an answer and at least partial deferment on my past forbearance.
Product: Student loan

Navient is calling me and my mother who is the co signer on my private student loans. They call all hours of the day and sometimes pst XXXX or XXXX. They call more then 20 times a day sometimes. I am having problems paying each month my payments are XXXX a month and I can not afford that with all my living expenses. I have explained this and they said there is nothing they can do. My mother is on a fixed income and is XXXX XXXX XXXX. They harass her and call so much. If I can get her off the loan I would. They also ask her to pay and tell her if I dont pay they can take away her house. I asked them Politely not to call her so much and they said they have to but that much. They also call me that many times in a row sometimes too all hours of the day and night sometimes after XXXX pm. I would pay if I could but I cant afford it
Product: Debt collection

In  2011 I r eturned to California from  XXXX   XXXX  and wanted to have a utility in my name. I discovered that there was an extremely old cable bill from  XXXX  and I called the company. I explained that the bill did not actually belong to me. It belong to a roommate who had changed it into my name at the time we both moved out, leaving it ( unbeknownst to m e ) un paid. I was told that if I paid it in full immediately, it would be removed from my credit and I did so.It was subsequently, changed from account in collections to collections/paid however, they have never removed it. I have twice now, contacted the credit bureaus and made this request, the last time in  XXXX  of  this year. It is th e only derogatory mark on my credit file and I would very much like this company to show me something with my signature on it to prove that it is mine or remove it once and for all. It has been paid since  XXXX  of  2011 and although I paid it in full to avoid a utility deposit, it is not mine and needs to be removed as it is causing me to pay a higher rate on my car and my house.
Product: Credit reporting or other personal consumer reports

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 ) Account # XXXX XXXX XXXX XXXX The consumer reporting agency that is reporting this account has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, I received an alert regarding an account that was being reported, XXXX XXXX. Upon further review, I noticed some of the information on this account is incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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. 

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Product: Bank account or service

Me and my son opened a student bank acc. at Huntington bank. they started putting a {$4.00} a month fee. When my son asked why they said he threatened them and closed his acc I called and asked why they hung up on me ... .THEN they closed my business acc that I have had for over 30 years. and they are trying to stick me with credit card processing and terminal fees. there is much more ( too much to put in print ) HELP XXXX XXXX XXXX XXXX ( XXXX ) or XXXXXXXXXXXX P.S. the highest person I could get to is XXXX XXXX. She is vice president in charge of consumer affairs .well that 's what she said.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was used maliciously which affected my credit card usage. 

I have made an attempt to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the reporting agencies to resolve this issue but i have not received any help. 

The agency and furnisher are in direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report. I have been disputing the information with both the creditor and Experian for several months. I thought the issue was with the creditor, however once I called and spoke to a supervisor and thoroughly researched the situation, it was determined that XXXX notified Experian in XX/XX/year> of the XXXX-balance action. Experian has not updated the information and although I have disputed the information online, by mail, and called directly to talk to a supervisor who manually disputed the information, my report is still inaccurate. 
I am in the process of purchasing a home and I currently have over $ XXXX of inaccurate information on my credit report. Another frightening thought is when my new lender reports to Experian, there will be almost $ XXXX of student loans on my credit report. This is unjust, unfair and negligent on the part of Experian. Honestly, I do not think they are even actually calling the creditors. At least not this one because if they were, they would find out that XXXX does not even have an account open in my name. When I call or go on their website and enter my social security number, NO ACCOUNT IS ON RECORD! Please help!
Product: Checking or savings account

i made a purchase through XXXXXXXX for an item the website turned out to be a big fraud the person sent out two tracking numbers 1 from XXXX and another one that was sent to my area but not to my address with XXXX as long as the item shows its in your area then they will automatically deny your case. 

First tracking number XXXX Second Tracking number XXXX XXXX purchased an item from XXXX XXXX  but the website is a scam they never delivered my item and they give two tracking numbers. 
i purchased an XXXX but right after i purchased i instantly found out this website was a complete scam seen articles on XXXX and on the XXXX   website on a lot of people getting scammed by this company purchase amount {$99.00} order date XX/XX/20 Transaction ID XXXX This scammer provided two tracking number 1 from XXXX that was sent to his actual location in XXXX, AL and another tracking after you open a dispute on XXXX from XXXX that he sent to my area but not to my actual address on purpose because everybody know with XXXX as long as the tracking shows your location they will automatically decline your case and XXXX will not send proof of delivery to your email since its not your package. 

then did a dispute with bank chime and they also denied my case without doing a proper investigation and they also denied my appeal with proof of XXXX also stating finally that it was delivered to a different address and a different person name on the package
Product: Money transfer, virtual currency, or money service

Tried multiple time to link my XXXX account to my PNC accounts to easily transfer money between them and PNC will NOT allow it! This is unacceptable.
Product: Debt collection

payments were arranged after account was closed to start paying off the debt at an amount i could currently afford- {$20.00} ; creditor went into bank account after payments were arranged and took {$510.00} completely over drafting my account by {$490.00} and refused to return the money ; this transaction was completely unauthorized.
Product: Credit reporting or other personal consumer reports

Dear, Experian Re : Identity fraud victim This wasn't sent inadvertently, and it wasn't a significant false statement. 

I am not a third party i am a consumer and that I have included all of my verification documents, the erroneous information on my credit profile that your agency is reporting is already causing me enough stress and anxiety. Before I have to involve my legal counsel, please remove these unathorized items. 

Please be advised that the accounts in my credit report are the result of unauthorized use of my social security card and number. These accounts were opened in my name without my permission and consent, and they have nothing to do with anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information as the law instruct.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number. 

Thanks so much
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXXXXXX XXXX : {$300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXX XXXX : {$4900.00} XXXX
Product: Checking or savings account

Working with XXXX XXXX XXXX XXXX XXXX I have been disputing some checks that were written that I had no idea existed until my tax return was seized. 

I submitted an affidavit that this was not me. These checks were written in XXXX. I requested dispute packet & submitted signature examples, ID, XXXX & I have attached the email response after they did a supposed investigation. 

The debt is being processed by Transworld Systems , Inc., ( TSI ). & it being so long ago the debt is enormous. I never received anything in the mail about this debt prior to having my tax return seized for XXXX in the amount of {$1500.00}. 

I did not write these checks in question & I was NEVER informed about them until this year.
Product: Checking or savings account

My bank has informed me that there is negative information reported by TD Bank included in the file XXXX  maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a " ACCOUNT ABUSE '' in XX/XX/2018. 
I do not recall having an account from this bank in 2018. 
Please validate this information with TD Bank and provide me with copies of any documentation associated with this " checking account '' bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to get them to verify XXXX XXXX XXXX  they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. 
my next step to get it verified will be to file in court and sue both transunion and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I TRIED TO PULL. MY CREDIT REPORT AND I COULDNT. PLEASE PUT MY ITEMS BACK ON. I WILL ATTACH A LIST OF THEM
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I sent {$300.00} through XXXX that the bank had an app for I thought it was safe it was fraudulent and the bank refused to refund my {$300.00}.
Product: Debt collection

I was told by a debt collector with Asset Acceptance that I would be sued and have a Lien placed on my property and bank accounts for an account that is over 9 years old. I was told it was a XXXX account from XXXX. I also was verbally abused by the collector when I told them that the account was over 9 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loans with XXXX and I have been sent to the collection agencies for not paying my loan the past year. I was informed that loans would be suspended until we figure out what kind of forgiveness for loans would be allowed by our govt. I checked my credit recently and its at an all time low because of the reports from XXXX. No one from XXXX contacted me about being reported. I calles XXXX several times in the year and told them I was waiting on announcements from the federal govt about my loan to make payments. I explained to them I am know a single father and live off of an educators income. I was told that this was fine and if I need help to contact them. No representative ever mentioned sending me to the collections agency. Can someone please help me get this removed from my credit scores. This is not right. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of this debt from Jefferson Capital, SY, They not provide me with the original contract as i requested or application with my signature on it. I Mail out letters in XXXX, XXXX I also wrote a second letter in XXXX, XXXX by mail to this address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, MN XXXX. I also have called this company several times at XXXX I have not received any proof or documents stating that I owe Jefferson Capital. I demand this account be removed from my credit report. due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/2023, on or around XXXX XXXX XXXX. I called ( XXXX ) XXXX and spoke to an agent who identified as XXXX. The dispute agent was located in the XXXX. The agent said he was going to disconnect the call because I had an attitude. XXXX ended up disconnecting the phone. This prevented me from filing a dispute, violating the federal FCRA and relevant state laws. I never used any profanity. I did not make any jokes or threats. I was not unprofessional. XXXX behavior by disconnecting the phone was inappropriate. This reflects poorly upon TransUnion.
Product: Credit card or prepaid card

This Capital One card was being used for my business. On XX/XX/XXXX the business closed down due to lack of income. I closed the Capital One account approximately one year ago and was making payments on it up until XX/XX/XXXX. They refuse to lower interest rate. I have offered to try to pay them in full if they would possibly remove some of the penalties and interest. I was told on XX/XX/XXXX by  XXXX ( accounts manager ) that my principal on this card is XXXX, however she told me that they didn't offer any settlements. So I am expected to pay {$25000.00} by XX/XX/XXXX. I have made multiple attempts to settle with them, but they will not budge.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL I did not authorize this inquiry. They did not provide any signed documents that I am allowing them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded to my complaint XXXX XXXX XXXX XXXX ... .. Stating that they have completed its investigation... Which is clearly a lie, Because on XX/XX/XXXX I received the letter from Equifax stating in order to verify by identity I will need to send them the following information such as a copy of my driver license and a copy of my current address ..... So explain to me how did you do a proper investigation when you can't even verify my identity from the love that you addressed so my complaint that is being filed as of today is to inform you you need to stop telling your lies and provide me with my money for my compensation... I also want to address to you that every information you respond will be used against you as evidence to prove to the course how much you are lying and stopping a XXXX man from utilizing his credit which is now putting him in discrimination which is also violating my rights under 15 USC because you can not do a proper investigation if you can not verify someone's identity stop making up your lies and if someone from the CFPB.. don't step in and can see that they telling lies for the actions will be taken against them
Product: Credit reporting or other personal consumer reports

I have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX, XXXX XXXX XXXX is not my name Correct name : XXXX XXXX XXXX. 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all not mailable addresses
Product: Checking or savings account

Amount I was shorted XXXX 
On XX/XX/2022 I made a mobile check deposit into my account at HSBC bank.. 

XXXX XXXX  released the funds to My HSBC account.. 

However, HSBC bank presented the check for payment to XXXX XXXX  TWO times.. 

XXXX XXXX returned the payment for the second presentation.. 

HSBC then proceeded to deduct the Second presentation, but never credited my account for the first presentation that XXXX paid to HSBC..