23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION is a bank and can not loan money. They admit that they are not the original creditors. Remove this account from my credit profiles. Notice of dispute
Product: Mortgage

To Whom It May Concern : I am writing to formally lodge a complaint regarding the improper handling of my mortgage loan servicing by Castle & Cooke Mortgage, which has caused significant financial and emotional distress. Prior to XX/XX/year>, I maintained a flawless payment history with no late payments. However, since the servicing of my loan was transferred, I have been reported as having five late payments, all of which I strongly dispute.

Here are the key issues I have encountered : Improper Notification of Loan Servicing Transfer : I was not informed about the transfer of my loan servicing through electronic communication, phone calls, or other timely notifications. I only learned of the transfer when I received a collection call regarding a late payment. At the time, I was out of the country for my wedding in my wifes home country, which compounded the challenges of addressing this issue promptly. 

Mishandling of Payments : I requested automatic payment drafts to ensure timely payments, yet Castle & Cooke has repeatedly mishandled my requests, leading to unwarranted late payments. 

Failure to Address Disputes and Resolve Errors : Over several months, I have diligently attempted to resolve these issues by speaking with customer service representatives who seemed sympathetic and assured me that the late payments and fees would be reversed. However, the written decisions have consistently reaffirmed their stance without adequately addressing my concerns. 

Given these issues, I am requesting the following resolutions : Removal of all late payment entries from my credit report to restore my credit standing. 
Reimbursement of all late fees and penalties assessed due to these mishandlings. 
Transfer of my loan servicing to a different servicer to prevent further issues. 
The repeated errors, lack of communication, and failure to provide timely resolutions have caused significant harm to my financial and personal well-being. I believe that Castle & Cooke Mortgage has violated federal regulations and failed to meet the standards of care required of a loan servicer. 

I respectfully request the CFPBs assistance in ensuring that these issues are resolved promptly and fairly. Please do not hesitate to contact me if you require additional documentation or information regarding my complaint. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. # XXXX Send me an updated copy of my credit report and please block and remove all information from it. The following INQURIES were obtained through fraud that I did not authorize and are not mine : Delete unauthorized inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request to the Credit Reporting Agencies to please do their job accordingly. I feel like the Credit Bureaus are doing their best to correct my Credit File or perhaps they are not doing anything at all. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File that resulted due to identity theft. I previously sent a dispute letters on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the identity theft report I received from the FTC. Once again, these accounts and information that are being reported on my Credit File are unknown to me and needs to be deleted as soon as possible. Under the provisions of the Fair Credit Reporting Act, I am in need to remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX
Product: Debt collection

Account appeared on my credit. After multiple attempts to remove, company continues to add account back to my credit.
Product: Checking or savings account

I received a notification on the XXXX around XXXX XXXX  that someone head looked up my Bank of America user ID and changed my password. My phone was misplaced/stolen on the XXXX of XXXX and I believe they used apps/information to hack and drain my bank accounts, they started transferring money from my main checking account ( ending in XXXX to my other checking account ending in XXXX ) taking out large sums of money/ completely draining my accounts in the total of {$17000.00}. They were made to a company called XXXX XXXX which I had used previously however NEVER made a transaction over $ XXXX. The XXXX XXXX XXXX XXXX, etc were all on my phone. They used XXXX XXXX to send my money to some crypto wallet depleting my account of funds within a couple of hours of password change. I let BOA know as soon as I was made aware and I was told that she could tell someone had stolen my identity and made these transactions fraudulently. These charges that were made from XXXX to XXXX. These charges were very alarming because they were all in LARGE sums of money.= thousands of dollars in each transaction and completely drained my main checking to transfer into an account they were able to make transactions/withdrawals out of. The account they transferred money over to ( was hardly ever used prior ) and the debit card was saved to stolen phone. I have attached claim details along ( however if BOA can update me that someone looked up my user ID and password and then changed password they NEVER should have allowed transactions to go through ), along with message to original company that refused to refund transactions. In fact they replaced to my email update regarding fraudulent activity stating they had never confirmed my identity verification and my drivers license required to withdraw these funds... and that is because I NEVER GAVE CONSENT not did i authorize these transactions. I was told by BOA that they would research claim and was later denied claim/closed out.
Product: Debt collection

Third party garnish my checks for about almost XXXX  before when I filed bankruptcy they stop an returned my money after months went by my discharge letter was sent out an this company ignored it an still came behind my back an took more money from me through the state which was for about XXXX I was waiting on because I had filed my taxes they have violated my rights an they have broken so many laws as I have filed bankruptcy I would like my money back or I will sue this company an everyone involved the company is Sunhomes an the lawyer company is Velo
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I have contacted Experian regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Product: Credit card or prepaid card

My credit card, Bank of America, closed my account without any prior notice. They sent me an email the day they closed my account and told me it was closed. When I called to find out why, they explained after a review of my credit, my credit card usage was to high. Not that I was late with payments, which i was not ever late. I also payed more then the minimum on all my payments. When i tried to get my rewards balance that i was saving up on my credit card they told me i forfeited my rewards when my account was closed. My rewards balance is {$320.00}. Not something just to walk away from. I was told by one account manager I wouldn't loss my rewards because I didnt close my account they did. When I called to claim my rewards another account manager, and supervisor told me the only way to get my rewards is to have them run my credit again and see if they can open up the account and put my points back on it. They know what they did is wrong but wont fix it. If I was traveling with this card only, and they shut it off like they did, without notice or care were the person is or what they are doing. It could have caused me a very big hard ship.
Product: Mortgage

I called Wells Fargo Home Mortgage a few times on XX/XX/XXXX. I wanted to Recast or Re-Amortize HAMP Modification Mortgage, that was started on XX/XX/XXXX. My HAMP was not the typical HAMP with up to $ 10K in principal reductions over the first 6 years. I explained to WFHM that my HAMP Reduced my principal balance from {$200000.00} to {$160000.00} in just the first 3 years! A Principal Reduction of {$45000.00}! The next and final principal reduction will be on year 6, a reduction of {$5000.00}.

The 3 WFHM agents I spoke to gave Only 2 options ; ( 1 ). Wait and Hope that the Lender will send a letter saying that I am eligible for a re-amortize of the loan ; ( 2 ). Recast by putting $ XXXX Down on the principal balance! 

I said, there as been Over {$45000.00} principal reduction already, over 2 Times the of the Recast $ XXXX WFHM requirement in the last 3 Years! My WFHM monthly payments would be Drastically Reduced and be beneficial to me at XXXX years old. I need my payments based on a new Balance of {$160000.00} rather than the Original balance of {$200000.00}! They would Not offer any other assistance or remedies for my situation. 

This HAMP program has setup to provide assistance for those people, like me in XXXX, bought a home and weeks later, found out the Great Recession was in full force and many people like me, lost our jobs and became job seekers over XXXX years old. Unable to find adequate employment and had relinquished our savings, the HAMP program provided a way modify mortgages to remain in our homes.

It's under these financial stress circumstances, with my HAMP Modification and it's Principal Reductions of {$45000.00} in just the first 3 Years, that Exceeds WFHM ' Recast ( $ XXXX ) Minimum cash down on principal, that on My Request Only for a Re-amortize of the loan, the Re-amortization should be performed. 

The Re-amortization of my HAMP would only further my efforts to remain in my home and fulfill my obligation to completely pay off my home loan in the future.
Product: Credit card or prepaid card

The company continued to charge me fees on top of fees that were already added. So it was like I was being charged double. I reached out to them about this matter but nothing got done.
Product: Credit card or prepaid card

I've had a PayPal Credit account for many years. Previously you have been able to use your account settings to choose how your payments were allocated ( ie. where the money was to be put towards first on your account ). This is important for when you have made special financing purchases ( purchases such as no interest if paid off in 12 months ). If the payments are simply put toward the overall balance then the special financing purchases may not be first to receive funds, thus allowing them to go past the date for their financing and adding substantial additional interest to a consumer 's account. I often used to change this when I made payments as I would put larger purchases on my PayPal credit with financing which allowed for payment over an extended period of time ( 6,12, 24 months ). When you went to the settings on PayPal 's site not only could you select which option you wanted on your account, but there was also an explanation of what each option meant to the financial future for your account. However, that seems to have changed. Recently, I made a special financing purchase, but noticed after making my monthly payment to PayPal credit that the amount due on this purchase didn't go down. I looked to find the settings which I have described for allocating payments and found they are no longer available on PayPal 's site. Frustrated by this, I contacted their support via live chat and discussed the matter with a representative who informed me that she would be happy to " adjust your payment today ''. I told her I didn't make a payment, but rather wanted to adjust the settings on my account so that payments were put toward the special financing first going forward. She then told me that this is no longer an option. That we to make a payment and then contact PayPal to have the money allocated how we want. This is a bit ridiculous! Something such as how our money is put toward out account should be easily determined with settings that consumers can manage. We should not have to take multiple steps to make sure that payments will be allocated in the best manner for our financial needs with EVERY payment. I have an accounting degree, so I am aware of something like this and asked the right questions to find out this information. However, other consumers may not, and will likely believe that they are paying off a special financing purchase only to be charged with a pile of interest.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I issued a XXXX payment to a friend and it was never received. Ive tried calling capital one not XXXX, but several  times, and I keep getting different responses. At this point, I am just wanting to have my money back into my account. I issued a dispute, but no one has responded back to my complaint yet I am not worried. XXXX my end it shows that the payment wasnt delivered successfully. Ive tried explain this to customer care. Ur no one is hearing me. I need help with this situation.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Called Numerous times over the last several years to get them to correct the write off amount of a settlement and they refuse and said hire an Attorney.
Product: Mortgage

I paid off my mortgage balance with Nationstar Mortgage in XXXX XXXX t ts They They They sent me a payoff statement saying my balance was $ XXXXwhich included prepaid interest through XXXX XXXX of {$360.00}. Thispayoff statement said the daily interest was {$12.00}. 
I sent a cashiers check by overnight mail ( cost me {$19.00} ) on XXXX XXXX. 
I have written proof that Nationstar received my check on XXXX XXXX. It wawas signed for by someone named XXXX XXXX. I have written proof thatNationstar did not post my check until XXXX XXXX. I received a checkfrom Nationstar for what they called 'payoff overages ' on XXXX XXXX, XXXX {$97.00}. It would appear that they calculated my refund of prepaid interest based on the date they posted my check ( XXXX XXXX, 2015 ) andnot on the date they received and signed for my check ( XXXX XXXX, 2015. ) By my calculations Nationstar has not refunded me all of the prepaidinterest that is due to me. Based on their own statement that shows theinterest calculated at {$12.00} per day, I am owed approximately another {$60.00}. I have contacted them numerous times, both by phone ( once Iwas kept on hold for XXXX minutes ) and by mail. After over XXXX months thisissue still has not been resolved. My last letter from them was sent tome on XXXX XXXX, 2015. This letter contained convoluted double-speak. 
Nationstar claimed that 'the error asserted within my correspondencedid not occur on my account. ' But in the next sentence they say that'they have addressed the error with the payoff date being incorrect andwill have the corrected date reflect XXXX XXXX, 2015. ' Then they add that'furthermore, the notice and funds due if any will be sent in a separatecover. ' They do n't say when, how much, or even if ( for sure ) I will everreceive more funds. In the last paragraph of their letter, they say that 'I have the right to access the documents and relied upon in theirinvestigation, but because these documents are considered internalinformation, I need a subpoena or legally proper request to do so! 'This matter has not been resolved to my satisfaction. 




was sent on XXXX XXXX, 2015. 
XXXX XXXX, 2015
Product: Debt collection

In addition to constantly calling me up to 14 times a day and up to 9 calls in a 15 minute period, they have contacted my sisters, mother, best friend, brother-in-law multiple times. It got to the point where my friend and relatives had to tell Navient they had never heard of me to get the phone calls to stop. 

Even after I tried to explain to Navient 's representatives about my dire financial situation, they said they were trying to give me a good deal, but I needed to be more flexible. One such proposal by them, suggested I pay XXXX % of the balance ( balance about {$200000.00} ) and then I would qualify for a monthly payment. At the time I had told them, I had been homeless, XXXX, unemployed, behind on my monthly bills and near having my car repossessed. 

I even sent them a letter to get the calls to stop and to stop contacting third parties. I offered a payment of {$40.00} a month, which would have been a struggle and they did not acknowledge the offer. Instead they said we need to discuss this in calm, adult manner.
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/XXXX, I sent two letters regarding identity theft to XXXX an Equifax for false things being reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) 5-1002.142 ( b ) ( 7 ) .I am a victim of human trafficking of Debt Bondage and is requesting for all listed accounts to be blocked and deleted from my credit file within four business days, pursuant to Section 605B and 605C of the FCRA laws. The fraudulent information is reporting on my credit file which is held by the 3 major Consumer Reporting Agencies, TransUnion, Equifax, and Experian. According to Section 605B, and 609 of the FCRA laws, the information must be blocked, removed, and deleted if it is inaccurate due to fraud and identity theft within four business days, and for consumer reporting agencies to clearly and accurately disclose all information in a credit file and verify accuracy of the disputed information. The fraudulent and inaccurate accounts that are requested to be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The reports also include inaccurate addresses and employers and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

The letter was written and mailed on XX/XX/XXXX. I asked for verification of a copy of the original signed agreement or contract showing that I am indeed responsible for this debt. I also asked for a detailed account history by providing a full history of the debt. Including the original amount, payments made, and how the current balance was calculated. I asked for the name and contact information of the original creditor, including any information that links the debt to me. Last I said if you can not provide the requested information, I ask that you cease collection efforts and remove this account from my credit report immediately. Please send all correspondence and documentation regarding this matter to the address listed above within the legally required XXXX period. I have not received any correspondence and the date today is XX/XX/year>.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchased Amount : {$270.00}