23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to request the immediate reinstatement of my account services and access with Navy Federal Credit Union. My account was revoked without proper justification or notification, causing significant distress and hardship. 

It has come to my attention that Navy Federal obtained my private information through XXXX XXXX XXXX ( XXXX  ) to make a decision to revoke my account services. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Uniform Commercial Code ( UCC ), as it involves the unauthorized use of consumer information for adverse actions. 

Furthermore, I assert that I have a legal right to use my account, as evidenced by the receipt of billing statements for the account. Despite this, I have been denied access to my funds, leading to emotional distress and financial hardship. 

I am fully aware that my securities were used and are still being used on my open account with Navy Federal. Therefore, there is no valid reason for the revocation of my account services. 

I urge Navy Federal to reconsider its decision and reinstate my account services and access immediately. Failure to do so may result in further legal action to protect my rights as a consumer. 

Enclosed are copies of relevant documentation, including proof of account ownership and billing statements, supporting my request. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my account services.
Product: Credit card

I am delinquent on XXXX credit cards with US Bank. My only source of income is direct deposit to my US Bank checking acct. of Social Security. I am paying what I can each month after I pay my mortgage and utilities. US Bank has me on their " dialer service '' for both my home and cell phone. From XXXX thru XXXX they called me from XXXX letting it ring twice ( 14 times ) & then hang up. On XXXX, I called and spoke with XXXX and she advised she would take me off the " dialer service '' and have a supervisor call me on or about XXXX. I advised I was scheduled for XXXX on XXXX. Admission and discharge charge records are available if needed as proof. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my home phone. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my cell phone. I want these harassing calls to stop. I am aware of my debt and will continue to make payments on these credit cards. Their constant calls serve no purpose other than harassment in my opinion. If there is n't a law against this type of harassment ... there should be.
Product: Student loan

XXXX XXXX, XXXX TO WHOM THIS MAY CONCERN : I am wanting to file a complaint against Navient dealing with my student loans. I have been dealing with this issue since XXXX XXXX and can not get a definite answer to a monthly loan payment. I am unable to afford what Navient is expecting me to pay. I have talked to many individuals who will give me an amount I am able to afford, and then I will get a bill for a different amount. When I call about this, no one can help me. They tell me I must pay {$5.00} to work on this. I have attached documents that Navient has sent me showing different payment amounts. I have been trying to make payments since XXXX XXXX. Right now, I am able to pay {$260.00} a month. This is the payment that XXXX ( ID # XXXX ) told me would be my payment. When I called in to make my payment that is due XXXX XXXX, XXXX, Navient told me the payment would be for {$570.00}. I was told that by XXXX ( ID # XXXX ). No one can tell me who I need to talk to, so that I can get my payment to one that I can afford with my net income and supporting my wife and two children.
Navient has only given me the two options : one, pay the {$570.00} a month or two, put the loans in  deferment and pay the {$260.00}. That is basically throwing money away. 
While dealing with the Navient issue, a company called XXXX XXXX XXXX XXXX reached out to me and told me they could consolidate my loans with me making a payment of {$150.00} a month for twenty years. I did this after being unsuccessful with help from Navient. After paying them {$190.00} for three months to process the loan, I found out it they had been taken over, and they were a fraudulent company. I was informed of this by XXXX XXXX and XXXX, XXXX who told me to stop withdrawals from my XXXX bank account. As you can see, I have tried everything. I am ready to start paying my student loans, but right now, I am only able to afford the {$260.00} a month. 
I have attached the many different statements Navient has sent me. Please let me know what I need to do to get affordable payments, so that I can begin making payments. 

Thanks, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX BANKRUPTCY PETITION potentially negative icon Potentially Negative XXXX XXXX XXXX TX XXXX Date XXXX Dispute ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their failure to conduct a reasonable investigation into disputed items on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, tracking # XXXX requesting an investigation into inaccurate items on my credit report. In addition, I also disputed incorrect personal information listed on my report. 
To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
On XX/XX/year>, I received an email response from Experian stating the following : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do. I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery, along with Experians response as proof.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has sited technical issues which may violate the electronic funds transfer as it requires timely access to funds. This situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to insure my rights are upheld. Thank you.
Product: Credit card or prepaid card

I have an issue with a 0 % balance transfer offer from Bank of America. This is the first time I accepted a 0 % offer for a credit card that I actually use ( I actually have to use it in order to take advantage of the deals with co-branded company, in this case XXXX XXXXXXXX. ). 
After transferring, I made a purchase. I was charged some interest on this purchase. After calling in about it, I was told by Bank of America that all I needed to do was to pay off any purchases immediately, and pay the minimum balance on the card ( which is based on the balance transfer ). I was told that if I did this, the interest would be minimal. 
To my great surprise, When I booked my airline tickets, and paid the exact amount of the tickets on the card account, I was charged a total of ~ {$28.00} over two months. When I called back, the agent told me I should just avoid using the card for purchases ( again, that is not possible because I HAVE to use that card to take advantage of a yearly offer with XXXX XXXXXXXX for a {$99.00} companion fare ). 
She explained ( as did a manager when I escalated to get the interest refunded- and did not ) that even though I processed the payment the XXXX day that I charged it, the interest is based on the whole billing cycle of 30 days. 
I find this very deceptive and unintuitive, that if I am basically taking a 1-day loan from the bank, they are going to charge me one month of interest. Of course this is detailed in the fine print, but I don't read 20 pages of fine print. A regular credit card does not work this way. If you pay the balance, you don't pay interest. 
Why does Bank of America even offer a 0 % offer on a card that people " must '' use as it is a co-branded card where you need to use it to get the deals? It is basically a trap to get excess interest fees. 

Here are the related charges and interest fees as they show up on the statement : XXXX Statement ( XX/XX/XXXX ) XX/XX/XXXX : Travel insurance charge : {$79.00} XX/XX/XXXX : Payment I made ( they reflected even before the charges below ) : {$190.00} ( minimum payment for the month ) XX/XX/XXXX : Payment I made to cover the Travel insurance and Flights : {$1300.00} XX/XX/XXXX : XXXX XXXXXXXX charge : {$1100.00} XX/XX/XXXX : XXXX XXXX charge : {$150.00} XX/XX/XXXX : Interest charged ( which was refunded when I called in ) : {$3.00} XX/XX/XXXX : {$24.00} interest charge Just to make sure it's clear, I was charged a total of {$24.00} on a loan of XXXX that I actually paid off ONE DAY BEFORE it was even charged to the bank ( so in reality it wasn't even a loan as I paid it before Bank of America even sent it to XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

I request assistance due to the COVID-19 pandemic from Carrington Mortgage Services on XXXX XXXX. I was approved for a 90 day forbearance and was given notice of by email on XXXX XXXX. When I called to discuss the terms of what it would be on XXXX XXXX, as in a deferment, balloon note or spread out over " X '' number months, I was told it would be determined in 90 days. The company would not give any determination of it until the 90 days was over. You could apply for the deferment just before the 90 days ended but if disapproved you were stuck with one of the other two options which you would not know which until the 90 days ended. The lady on the phone even questioned why I was asking for it since my house note was not behind. This company bought the mortgage from XXXX. How can someone determine if this will help them if you don't know the plan until you went 90 days without paying the note then you are left to whatever they decide. You can't make a decision base on hopes. Then to question why I asking for help before I'm behind.
Product: Debt collection

I closed my credit card account with Capital One in XXXX. I was told that balance would be paid automatically within the next cycle. Balance was XXXX and I did not think about it till XXXX, when I found out that my credit score dropped by 140 (! ) points. I found out that they never processed payment for XXXX dollars and did not inform me about it so I can pay in time. It caused incredible damage as I am working on mortgage refinancing and my credit score was >800
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit reporting but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for in case of your willful noncompliance. 
-- -- -- -- -- Experian : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

The original creditor sold the debt off to the current debt collection agency also known as Security Credit Services. They have made the amount of the debt to XXXX and is not legally allowed to contact, nor collect the debt from me as they are not legally allowed to collect from someone that resides in the state of Florida according to the consumer access website that confirms and verifies they are not allowed to take nor contact me about the debt. The loan was confirmed to have been deleted from my report over 3 times and then reinserted back each time. I have provided all documents for the debt to be taken off my report permanently with no response from the creditor.
Product: Vehicle loan or lease

I asked for a 1 month extension to find a new vehicle and was aproved for it. I sent the paper work and check to pay for 1 month and shortly thereafter returned the vehicle. 

Ally said they never received my signed documents and charged me over {$1300.00} for there daily after lease rate. my monthly lease is much less so they chose to charge men the higher amount.
Product: Mortgage

My name is XXXX XXXX, son and authorized to speak on my Mom 's behalf. On XX/XX/18 my Mom, XXXX XXXX sent a check for {$2500.00} for the mortgage. I contacted Mr. Cooper about setting up a repayment plan on XX/XX/XXXX. I was informed by the representative that they haven't cashed the check as of XX/XX/18. The loan # is XXXX. I would like to have a better understanding about how the repayment plan will be set up and if payment can be set up so we can get back on track with the mortgage? We are really trying to keep our home, my Mom has XXXX XXXX XXXX and she is XXXX years of age. Can we have a payment restructured so that the home mortgage is caught up? I can be reached at XXXX or XXXX XXXX 's # XXXX. Thank you! XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

Unrecognized Hard Inquiries on credit report. Please remove XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /2017 and are proceeding to sale set for  XXXX / XXXX /2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against Equifax XXXX XXXX and XXXX for their continued failure to correct inaccurate late payment information on my credit report concerning my XXXX account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation. 
15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness. 
XXXXrotection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle. 
Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

XXXX XXXX and UAC failed to provide the services that they sold me on. They never reported the correct information on my credit report of me paying on time with not one missed payment, when they should have done so as they promised in their contracts, they also didnt honor a warranty on a faulty car that knowingly they supplied a bad transmission and returned it to me- which had to be towed away from the mechanics shop that I was told to take the vehicle to. The moment that I take my vehicle in for repairs and they provide a faulty transmission and I refuse to give them another dollar until they fix it, being that it is under warranty they happen to repossess the vehicle and do a charge off/collections. I also reported them to the XXXX two times, they have gone as far as submitting a story that is far from the truth. I have the receipts and an email to prove that they lied, saying that they honored the warranty that I refused to pay for the vehicle with other things that the vehicle did not have. With that being said, insult on top of injury they do not report correctly to the credit bureaus repeatedly.
Product: Payday loan, title loan, or personal loan

I was provided two different predatory loans to me at two different times. One in XXXX and the other in XXXX. I was unable to pay for the loans due to income issues and asked originally for a modification. I was denied and then had to default on the loans. Finally when I applied for a modification and deferral of payments, we came to an agreement of a fixed amount for the the next 6 months to start at the end of XXXX ( next month ). I have the documents. Well they decided to start taking ACH withdrawals out today in the full amount of the loans and took out twice the agreed upon amount leaving me with no money right before pay day. Not only are they in breach of contract but they are also in breach of fair lending laws from the original contract. This company is fraudulent in their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a total and XXXX XXXX discharge. Accounts are reflecting information that is negative.
Product: Credit card or prepaid card

I have been a customer of JP Morgan Chase via its Chase Freedom Card for over 10 years. I notified the company that I wanted to collect my points in the form of cash a few months ago. Recently I was traveling with a minimal balance on the card. When I called to collect the points I was told that since my account was past due owing to one missed payment ( the total amount of which was less than 1/7th the amount I'm due in cash from points conversion ) they couldn't pay me anything for the points anymore. This appears to be fraud to me and I want to pursue this matter to the fullest extent of the law.