23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had an issue with the prior servicer on my mortgage. When I confronted them they supposedly sold the mortgage but i wasn't notified. 
I was contacted by a company claiming to be the new servicer. when I got their letter i wrote to them and asked them to validate and provide me the documents they have for my account because there were many things not adding up. They did not respond. Instead they assigned fees to the alleged account. One for {$1000.00}, one for {$510.00} for attorneys fees. No letters were received to explain this and no response was sent addressing my request for validation and documentation that would allow an audit. In my letter I asked that they cease contact until validation was provided, constant robot calls get annoying, they don't even have an option to get transferred to a live person, their calls are automated and frustrating. They did not stop contacting me after they received my written request XX/XX/2022. They continued to send bills and call XXXX times minimum since then. The fees made me afraid to contact them since they established they will not respond and it will only make things worse as far as unnecessary fees. It was intimidating. 
I believe they violated me under the FDCPA 15 USC1692c ( c ) failing to cease communication and 1692d harassment and intimidation. They failed to respond to my request for documents and I want the documents but I am afraid to ask them again. So I am asking for help now.
Product: Checking or savings account

I previously logged a complaint with the Federal Reserve and their response suggested I log a complaint with CFPB. On XX/XX/XXXX I contacted Goldman Sachs to request that my CD account of $ XXXX be closed. After trying for hours to reach them, it became necessary to try the next business day. On XX/XX/XXXX I tried again, without success in reaching an agent directly. I then used their call back system and received a call back several hours later. After the agent verified me, I respectfully asked that my CD account me closed and that the funds be deposited into my Goldman Sachs savings account. The agent informed me there would be a {$600.00} penalty for early closure and that my funds would be transferred that business day. On XX/XX/XXXX, I logged onto my account but found the closure was not processed. I again reached out to Goldman Sachs and was told the request was in process. On XX/XX/XXXX, I logged onto my account and again found that the closure was not processed. I again contacted Goldman Sachs and was assured that my account would be closed but the agent could not confirm when. They simply told me they were 'busy due to interest rate changes '. I was frustrated as the written CD contract was breached by Goldman Sachs yet they still were charging me {$600.00}. The following week, now Monday XX/XX/XXXX I logged onto my Goldman Sachs CD account and found the closure had still not been processed despite confirmation that it would happen. That day, I spent the better part of the morning contacting Goldman Sachs and waiting for a call back. In all it probably took me close to XXXX hours over 6 days to get them to comply. I finally got a call back on XX/XX/XXXX, and was told by an agent that my request was in progress but that they could not confirm when the account would be closed. They cited that they would give me a good faith credit of {$100.00} because of the delays. I explained this was not acceptable and that I needed the money for a home purchase. The agent said they could not confirm when the funds would be available but that it was in process. I asked to speak to a supervisor. I was told that my request was acknowledged but that it would take approximately 48 hours for a supervisor to call me back. I explained to the agent that they were in violation of their banking policies and those of the FDIC. I also let them know of my intentions to log a formal complaint with the FDIC. I contacted the FDIC who in turn referred me to the Federal Reserve. Following my complaint with the Federal Reserve I have been referred here. Ultimately, I did get a call back from Goldman Sachs and they finally closed my account and remitted the monies to my Goldman Sachs savings account on XX/XX/XXXX - nearly a week after my initial request was submitted, acknowledged and verified. I feel they were in gross violation of federal banking policies and guidelines and knowingly prevented me from gaining access to the money on deposit with them.
Product: Mortgage

Our loan was with XXXX Mortgage - did n't verify income - loan agent told me to use any $ $ - after a couple of months - I could see loan it a " BAD LOAN '' tried to refinance but home was n't worth as much as the what we owed on loan. Sold to XXXX - Then to XXXX -In the middle of working with XXXX - loan was sold again - SPS is now the collection service company - I was told XXXX XXXX now owns the loan! 
I have been working with SPS since 2011 to get a loan modification - principal reduction - Well, I have gotten so many different stories as to what can be done or not done! 

We are trying again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and Experian have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was XXXX. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Product: Checking or savings account

I had a checking account with Chase that I had had for almost 10 years. It was a grandfathered account that had no monthly fees as long as my debit card was used at least 5 times each month. 

I was dealing with a brief period of homelessness, and had not used my account. When I went to check my balance, I had noticed it had been closed due to inactivity. 

I was not given any warning or notification that this was possible, or going to happen. 

What is more, I regularly logged in to online banking and used the chase app, which I feel should count as sufficient activity to prevent the account from being closed. 

I had been using the account all year, there was a lot of activity, including while I was overseas and using the card in foreign countries, as well as numerous quickpay transfers into my account. 

I contacted the company to reopen the account, however they said they would do so under no circumstances. As a loyal customer, I found this to be disappointing. Chase does not offer an equivalent account with a way to waive monthly fees by using a debit card 5 times a month. 

Additionally, I have lost all access to my banking history and statements, which I need to submit taxes as well as for legal evidence in future court cases. 

Ultimately, I do not think the level of activity was so low as to warrant closing the account, especially with no warning or notification and recent activity using online banking via the website and app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to trans union XXXX XXXX. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!
Product: Debt collection

I paid a debt to Commenity Capital XXXX for {$2300.00}. They were supposed to settle the debt that I owed, however rhey never reported it to the credit bureau, accepted my payment and carried on. It's been a year and it's still on my credit report. After contacting them, they told me I owed them still and stonewalled me saying I never paid. I have bank statements proving I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found these unauthorized inquires on my credit report. 
Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

XXXX XXXX  XXXX XXXX XXXXXXXX servicing unit should of notified Fedloan servicing that my XXXX discharge was approved. Therefore, the two loans under account number XXXX XXXX XXXX should be transferred to XXXX and reported as a XXXX balance with major credit reporting agencies.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX. 
Last four Social Security number is XXXX, DOB : XX/XX/scrub>XXXX Please delete the following accounts. GENESIS CREDIT MANAGEMENT bal. {$3600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX
Product: Money transfer, virtual currency, or money service

ADP Payroll Company refuses to issue our former employees their W2s for XXXX XXXX XXXX XXXX ( tax id XXXX ) even though we filed for XXXX XXXX XXXX in case no XXXX XXXX in XX/XX/2023 and they are prohibited from terminating our services per 111 USC section 362 due to the automatic stay otherwise they are subject to contempt, fines, fees, and sanctions. Please investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information regarding XXXX XXXX XXXX XXXX on my credit report that the company did not provide any information to verify the account although the credit bureau Experian stated the company verified the information. When asked to provide the verification the credit bureau Experian stated they did not have it. If it can not be verified, he has to be removed. Experian has refused to remove the fraudulent account.
Product: Debt collection

This was a title loan and it was released XX/XX/2016. I received the release letter in the mail after I made the final payment at a SpringLeaf in XXXX, PA on XXXX XXXX. The new title for the car from the DMV was mailed to my home soon after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

CONSUMER ADJUSTMENT CO ( Original Creditor : MEDICAL ) : XXXX Account Status : Open Payment Status : CollectionOrChargeOff Type : Open Detail : XXXX In Dispute : Y Derogatory : Y
Product: Debt collection

Hi, I received a notification from XXXX XXXX regarding this collection on my account that dropped my score about XXXX points. My current cell phone provider is with T-Mobile and has been for many years. I was not contacted by Jefferson Capital at all and believe that this has caused me harm financially. The matter has been escalated as well with the credit bureaus and I needed to file this complaint as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXXy amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXXt amount : XXXX date opened : XX/XX/XXXX account name XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name XXXX XXXX  amount : XXXX date XXXX account name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

Months after cancelling phone service I received a bill for unreturned equipment, despite being told directly from an authorized agent at the time of cancellation that I do not have any equipment that requires return. I have made 5 attempts and 5 series of calls over 3 months between the primary debtor and collections them to relay the pertinent information and to get them to communicate. Each attempt is 3-4 calls minimum over an hour at least and forcing me to take time off work, and each time I have been told directly the issue is fixed and that I do not owe anything only to receive another collections attempt.
Product: Credit card

In XX/XX/2023, my family and I travelled to XXXX and decided to use our Chase credit card for purchases as protection against fraud. My husband used the card to purchase an item from a small market vendor that cost XXXX XXXX XXXX ( approx. {$220.00} USD ). The merchant charged our account {$3500.00} USD! This is INCORRECT and I believe deliberate. We did not see the fraudulent charge until we returned home to the US several days later. Friends that we were travelling with also had a similar incident happen to them at the same marketplace. We also had a local tour guide on another excursion warn us that this is a common scam that merchants are doing to tourists in XXXX. 

There is no question that this transaction is NOT ACCURATE! I have made 4 phone calls to Chase and two letters explaining the situation and the company continues to tell me that their investigation concludes that the {$3500.00} USD charge stands.
Product: Debt collection

As a consumer in California, I am petitioning the credit bureaus to remove negative student loan debt from my credit report. This request is grounded in several consumer protection laws that aim to ensure fair treatment of consumers and accurate reporting of credit information. 
Under the California Consumer Credit Reporting Agencies Act ( CCRAA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Specifically, Section 1785.25 ( a ) states that a consumer reporting agency shall not furnish a consumer report containing any information that is known to be inaccurate. If my student loan debt has been reported inaccuratelywhether due to clerical errors, miscommunication with lenders, or other discrepanciesI have the right to request its removal. 
Additionally, XXXX Student Loan Servicing Act provides protections for borrowers against unfair practices by student loan servicers. If there were any violations by the servicer regarding how my loans were managed or reported, this could further support my case for removing negative entries related to those loans. 

Negative entries related to student loans can significantly impact a consumers credit score and overall financial health. Given that these debts often arise from pursuing higher educationa pursuit encouraged by both state and federal policiesit is essential that consumers are not unduly penalized for circumstances beyond their control. The Fair Credit Reporting Act ( FCRA ) also mandates that all information reported must be accurate and reflect the true status of an account. 

If I can demonstrate that my negative student loan reporting does not accurately reflect my payment history or current statussuch as being in deferment or having been misreportedI urge the credit bureaus to reconsider this entry on my report.
Product: Student loan

I did not receive a notification from my student loan servicer ( NAVIENT ) re : needing to renew my XXXX status. After I discovered it had lapsed two months later ( Navient sent me a notice that they had capitalized the interest, but it took XXXX inquiries and over a month for them to respond to me as to what had happened ), I refiled all the paperwork ( XX/XX/XXXX ) and checked with the loan provider XX/XX/XXXX to ensure everything was in order ( Navient confirmed that it was ). On XXXX/XXXX/16, I received a notice that my proof-of-income paperwork did not indicate the pay frequency ( it did, and they previously confirmed this ) and asked me to resubmit. When I logged into the " old '' version of their website ( they recently updated their website, which does not provide all the important options ), I saw that they somehow had no record of me submitting any documents to them ( despite the fact that I had, they had confirmed it, and the recent email said I had submitted documentation [ albeit insufficient ] ). So now I have been in a standard repayment plan -- - rather than my XXXX -- - for over 4 months because of their failure to notify me of the need to renew and errors on their end.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Attention Required Violation of Privacy Protections Under 15 USC 6801 and 6802 Dear [ XXXX, XXXX and Equifax ], I am writing to demand immediate action regarding a grave violation of my privacy rights under 15 USC 6801 and 6802. It has come to my attention that my private information has been unlawfully furnished to your agency without my explicit consent and without the required documentation. This is a blatant breach of the Gramm-Leach-Bliley Act ( GLBA ) and demonstrates a reckless disregard for federal privacy regulations. 
Under 15 USC 6801, financial institutions are unequivocally required to : Ensure the security and confidentiality of customer records and information. 
Protect against any anticipated threats or hazards to the security or integrity of such records. 
Guard against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
Furthermore, 15 USC 6802 explicitly prohibits the disclosure of nonpublic personal information about a consumer to non-affiliated third parties unless the consumer has been provided with a clear and conspicuous opportunity to opt-out of such disclosure. You have failed to ensure that the information furnished to you complies with these mandatory requirements. 
Your failure to adhere to these requirements has resulted in the unauthorized dissemination of my personal information, thereby exposing me to potential harm and inconvenience. This breach of privacy is not only unlawful but also subject to significant penalties. Under the GLBA, non-compliance can result in fines of up to {$100000.00} per violation for the institution, and individuals, including directors and officers, may be personally fined up to {$10000.00} per violation. 
I demand the following actions be taken without delay : Cease and Desist : Immediately halt any further unauthorized sharing and use of my personal information. 
Investigation and Rectification : Conduct a thorough investigation into this violation and provide a detailed account of your findings. 
Policy Review : Review and update your privacy policies and procedures to ensure strict compliance with the GLBA and other relevant privacy laws.

Confirmation of Compliance : Provide written confirmation of the measures taken to rectify this breach and prevent future occurrences. 
Failure to address this violation promptly and adequately will compel me to pursue further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal recourse to protect my rights. 
I expect a comprehensive response within 15 business days from the date of this letter. Should you have any questions or require additional information, you may contact me at [ XXXX ]. 
This matter is of the utmost seriousness and urgency. I trust you will handle it accordingly. 

Account that Need to be Removed immediately XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They increased the interest rates and refused to extend the payments when I requested to close the account, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to Experian, XXXX, and XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : Experian - XXXX XXXX - XXXX XXXX - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?