23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I trusted Navy Federal Credit Union ( NFCU ), therefore I submitted a modification packet as I was advised by the representative rather than getting assistance from an attorney. However, NFCU delayed representative received my packet on XX/XX/XXXX @ XXXX, and I received a letter from the attorney XXXX XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX stating over $ 11k could be paid to reinstate my mortgage, however I have no savings and did not have the money, however no sale date had been set. Instead the sale date was set for XX/XX/XXXX, after my hardship packet had been received. While I waited on assistance from NFCU it appears they had no intentions on assisting me and were simply stalling me as time went by. Ms. XXXX claimed a letter was sent on XX/XX/XXXX, XXXX statements were needed, which I never received ; however packet was submitted at beginning of XXXX so I sent XXXX, XXXX, XXXX. Once informed what was needed I emailed documents within 2 hours. Ms. XXXX called me on XX/XX/XXXX, stating nothing could be done, my home would be sold XXXX XXXX, XXXX. I asked about Deed in Lieu, short sale, more time to move out. She gave me foreclosure attorney number. I called and spoke with Mr. XXXX, he stated NFCU would have to give them permission to delay the sale of my property, so I could have more time. So I called and Ms. XXXX is suppose to call me back. I have requested assistance with no success, NFCU has collected money from me for 12 years for a mortgage that started out at $ XXXX, now I owe $ XXXX, so NFCU will come out a winner, by auctioning off my home. This is wrong, I have served my country and worked for the government all my life, only to be denied benefits I deserve. XXXX amongst veterans is not high merely because of XXXX, it is because of the injustice we are forced to endure after begging this country for assistance.
Product: Mortgage

I make my payments and they keep saying they are returned while the money is my account!!! Then adding late fees! On top of that they have not fixed my load which clearly states I only financing XXXX!!! Then continue to claim it was XXXX! Even after I sent the paperwork!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Request for Communication and Reporting Dear Sir or Madam, I am writing to formally request that Midland Credit Management ( MCM ) cease and desist all further communication with me regarding the account referenced below. This includes, but is not limited to, any phone calls, letters, or other forms of direct communication, as well as reporting of information to credit bureaus. 
As of today, I assert that any reporting to consumer credit reporting agencies ( XXXX, XXXX, or XXXX ) regarding this account constitutes a form of communication under applicable consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal demand that MCM immediately cease and desist all reporting of this account to the credit bureaus and refrain from further communication with me. 
Specifically, I request the following : 1. Cease and desist from reporting any information related to this account to credit bureaus ( XXXX, XXXX, XXXX, etc. ), as this reporting is deemed a form of communication and an unwarranted action under applicable laws. 
2. Cease and desist from contacting me directly by any means, including phone calls, emails, or physical mail, except as required by law ( e.g., to notify me of the cessation of the accounts reporting status or if legal action is initiated ). 
Please be aware that under the FDCPA ( 15 U.S.C. 1692c ), I have the right to request that you cease contacting me, and your failure to comply with this request could result in legal consequences, including potential damages for violations of the Act. 
Additionally, under the FCRA ( 15 U.S.C. 1681 ), if the information being reported is inaccurate, incomplete, or otherwise not in compliance with the Act, I demand that you take immediate corrective action to ensure that no further harm is done to my credit standing. 
If you continue to communicate with me or report this account to the credit bureaus in violation of this cease and desist request, I will not hesitate to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as taking legal action if necessary. 
Please confirm in writing within 15 days of the date of this letter that Midland Credit Management has complied with this request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Reference complaint number XXXX, which has been closed by the company, Wells Fargo . This complaint stems from the fact that on XX/XX/XXXX, per my telephone conversation with WF Representative XXXX, I was informed that when my automobile was repossessed, WF sent the title to the company they used to repossess the automobile. When I paid the {$4800.00} in full to get my car back, the repossession company returned the car title back to WF, at which time WF stored the title in their vault! When I inquired, why did you not send me my car title, XXXX informed me that the customer/purchaser has to request the car title! When I informed her that no one at WF ever told me I had to request my car title after I'd paid in full the amount owned on the car. At which time she asked me, " then how did you know to request the title in XXXX? '' To which I informed her that I had a buyer for the car, but I could not sell it because I did not have my car title! It is not my fault that WF has/had some crazy plan/policy or whatever that when you pay off a car loan they put your car title into their vault! And, that you ( customer/purchaser ) has to request a copy of the car title you just bought! That's insane! It's your car title when you pay off your car loan, NOT WELLS FARGO 'S. They should have sent me my car title instead of waiting for me to request my car title. And then WF did not send me my car title. They sent me information to be used to secure a car title from my local XXXX! I still believe that WF did not if they ever had title to my car. And that's my complaint. I think that by not sending me my car title in a timely manner, WF cost me that sell and several others I could have made had I had my car title. Therefore, I think WF owes me the {$4800.00} I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Reporting Agencies is BREAKING THE LAW!!!!!!!!!!!!!!! 
I sent lettes disputing 7 accounts on my consumer report on XX/XX/XXXX and mailed it certified return receipt requested. I received notice in the mail that they received my dispute letter XX/XX/XXXX. It is now XX/XX/XXXX and I have not received response from them. Per the FCRA section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period the accounts must be deleted.15 USC 1681 congress makes the following finding the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress states Consumer reporting agencies ASSUMED a vital Role and because of their assumption severe hardship, XXXX XXXX XXXX has concurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These consumer reporting agencies are sharing my Information with XXXX XXXX  without my permission. These consumer reporting agencies were not there during these transaction. How do they know these transactions took place? 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy .These consumer reporting agencies are reporting and sharing erroneous information without my consent. First the CRA should have consulted with me first the CONSUMER. They have no proof of these transaction. Infringed upon my right to privacy by having a conversation about me with a 3rd party. They are impartial because they allowed information to be reported while only hearing onside of the story. 15 USC 1681 ( a ) ( B ) THEY DID NOT MEET THE NEEDS OF COMMERCE BECAUSE THIS IS NOT FAIR OR EQUITABLE. 15 USC 1681 ( a ) ( d ) ( 2 ) Exclusions from a consumer report info not accurate of or relevant. Pursuant to 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer report, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss. Transactions should have confidentiality.15 USC 1681n Consumer reporting agencies are now civilly liable for willful noncompliance.
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 1581 USC 1681 XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to my privacy.

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account with out 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Closed my debit card disputed fraudulent charges never received money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's has been falsely reporting negative information to all 3 credit bureaus XX/XX/2019. I purchased a laptop from Conn 's on XX/XX/XXXX. The laptop was returned on XX/XX/XXXX. The restocking fee of {$100.00} was paid in store at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have explained this several times to Conn 's. I do not have an open account with Conn 's and this company continues to report negative payment history. Due to this, my credit has dropped 45pts and I have been denied credit from other creditors and was unable to close on my house due to this issue which resulted in a lose of {$2000.00}. I have called Conn 's several times over the past 4 months to have this issue resolved. I have been told several times that they would correct the issue in 10 business days. Per conversations with Conn 's reps, legal action will be taken if this issue is not resolved immediately.
Product: Checking or savings account

Unauthorized user make debit transaction at XXXX for {$500.00} XX/XX/XXXX Also Four XXXX Unauthorized Transactions for {$500.00} each total {$2000.00} XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX Called Citibank XX/XX/XXXX cancel debit card cancel XXXX and change user name and password. Dispute all transactions with Citibank dispute dept. 

Citibank denied all refused to add money back to account.
Product: Money transfer, virtual currency, or money service

I am writing in response to your recent notification regarding the permanent limitation of my PayPal account, as outlined in the letter I received. The reference ID for my account is XXXX 

I would like to express my concern regarding the decision to limit my account due to an alleged violation of PayPal 's Acceptable Use Policy, specifically related to the sale of XXXX oriented materials or services. I was unaware of any such violation or activity associated with my account. Therefore, I respectfully request a detailed explanation of the specific actions or transactions that led to this determination. 

I understand the importance of complying with PayPals policies, and I assure you that I did not intentionally engage in activities that would violate the Acceptable Use Policy. If there has been any misunderstanding or error in your review, I would appreciate the opportunity to resolve the matter promptly. 

Furthermore, I request clarification on the following points : 1. The specific transactions or actions that were deemed in violation of the Acceptable Use Policy.

2. The possibility of reinstating my account or appealing the decision.

3. Any further actions I may need to take to ensure full compliance with PayPal 's terms of service. 

I value the services that PayPal provides, and I hope to resolve this matter amicably. Please let me know how I can assist in clearing up this issue or if additional information is needed. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Bank account or service

Chase incorrectly entered an account number from a payer 's check deposited into my account on or about XXXX. This wasted two hours of my time, caused the person issuing the check and I grief when Chase wrongfully entered an account number from the XXXX XXXX account. I went to local branch and spoke with private bank gentlman who called the fraud department that had sent me an email saying my account was flagged and that all deposits would be monitored. They told him they could not located the payer 's account number. They have hit my account for below minimum fees and caused me major aggravation. Only after I called myself did Chase allegedly call the issuing bank and claim to rectify the issue. The service person from XXXX at Chase confirmed it was an error on their end. This is disgusting that Chase could n't figure out to call the issuing bank directly. It took them 6 days from deposit to figure out that there was an issue and it turned out to be an issue on their end by entering the wrong account number. The threats to review and hold up my deposits is totally unwarranted as is holding the monies until the XXXX. See the attached email from them. If I had not Chase on my own, after a failed visit to the actual XXXX XXXX branch, and beseeched them to call the issuing bank this would be pending forever. I 'm still not sure if they have fixed this mess. Why would n't they know to call the other bank without my telling them? Utterly disgusting. Bank reform desperately needed.
Product: Debt collection

The collection agency contacted me stating that I have an unpaid debt and a summons from Ace Cash Express. I haven't had a loan in years from there and I don't think I have any unpaid debt as I settled any debts I had with them. 

They proceeded to get very aggressive and said, " We can do this the easy way or the hard way. Do you want me to call XXXX ( my sister ) or XXXX  ( My Mom ). I can make it look like you're calling them. '' The person then called my family members spoofing my numbers so it looked like me. They also called me pretending to be several of my family members and then said they could " make my life a living XXXX. '' I tried to get them to stop, but they wouldn't even let me talk, the guy just kept yelling at me and harassing me and my family members. 

XXXX
Product: Payday loan, title loan, or personal loan

I placed a stop payment on my loan with this company and notified them to stop taking ACH payments from my account. They then began taking {$100.00} from my account on each payday. I have notified them numerous times to stop taking these payments and they still continue to take this from my account. I am paid on the XXXX and last working day of each month and each month they take {$100.00} from my account via eCheck. The check numbers are random numbers that I did not authorize. I have tried multiple times to get them to stop taking money from my account. I am now filing chapter XXXX bankruptcy and I have notified them of this and they still continue to take the {$100.00} each paycheck.
Product: Mortgage

My mortgage was sold shortly after purchase to ROUNDPOINT MORTGAGE COMPANY. My home insurance was prepaid for the 1st year. After one year, my home insurance did not renew, and I had no notification that my insurance was about to lapse. XXXX sent me an automated request to submit my current proof of insurance. After doing some research, I was surprised to find out the my insurance lapsed by about one and a half months. This was pretty alarming as I would never want my home, my most valuable asset, to be uninsured. After establishing new insurance and sending that information to the Mortgage company, they informed me that I would be paying a fee of about {$1000.00} for temporary insurance for when my coverage lapsed. I called and explained the situation that I had no idea my insurance lapsed or I would have promptly taken care of the issue. I also asked if there was anything I could do to remove the fee and was told no. I asked what benefit the temporary insurance gave me, as an example if something happed to the house during that time of being uninsured, and was told that there was no actual benefit and that it was just a fee. 

I also reached out to the bank to setup escrow for home insurance and I was told that they would take care of it and nothing happened. I eventually just managed my house insurance on my own and not escrow. 

My third issue was that I reached out to the bank to setup biweekly payments to reduce my interest on my mortgage and I was sent a form to fill out. After reading the fine print, the company does not actually apply your interest payment when you pay them, but only when your statement is due as one lump payment, defeating the purpose of paying my mortgage early with bi-weekly payments. 

I do not enjoy having ROUNDPOINT as my Mortgage lender, and I feel stuck as I can't change banks without refinancing my low interest rate to a higher one.
Product: Debt collection

The company PSG has reported multiple accounts and multiple duplicate accounts on my report. I have disputed these accounts three times. I have included two of my previous challenges all sent certified mail. With NO RESPONDES from the creditor. There are six collections on this account. Three ar4e duplicates that does not belong. I have disputed the info on XX/XX/XXXX and XX/XX/XXXX asking them to verify the date. They had 30 from the date of both letters to verify the date and I have received NO RESPONSE.
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. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

misuse of my personal information.

15 USC 1681 i ( a ) 1 15 USC 1681 i ( a ) 6 ( B ) 3 15 USC 1681 i ( a ) ( 5 ) B
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an account reported by Sun Loan Company on my credit report, which I have no knowledge of and have never received any communication about. The account is listed as a " paid charge-off, '' yet I never received a 1099 form for this account, which raises concerns about potential tax violations, and will be reported to the IRS on Form 3949A. Additionally, the account on my credit report does not display an account number, which is another violation of the Fair Credit Reporting Act ( FCRA ), as creditors are required to report complete and accurate information under 15 U.S.C. 1681b. Given that this account is not verified, and I have not been provided any documentation to substantiate its existence, I am requesting its immediate removal from my credit report. I am aware of my rights under the FCRA, which entitle me to damages of up to {$1000.00} per violation. Please investigate this matter and remove this account within 30 days. Failure to address this issue will result in further action to protect my rights. I am aware of my rights under the FCRA, which entitle me to damages up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard Inquiry from XXXX XXXX On XX/XX/2021 2021