23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

several months ago, I spoke with a respresentative from Mr. Cooper who indicated I would have the option to put my past due balance on the back of my mortgage as a balloon payment. Surprisingly. the last XXXX representatives I spoke with have indicated I do not have that option available. XXXX months ago I spoke to a representative who asked several questions over the phone then said this was part of their process to see what program I qualify for. This gentlement indicated I would receive a packet in the mail requesting additional information and to be on the look out. Surprisingly, I received a random denial for a program I was unaware he was trying to get me involved with. I called immediately again, The representative indicated on XXXX I can either pay the {$24000.00} past due today and split {$4000.00} in 3-6 payments, pay the full amount of {$28000.00}, or request a modification. Every time I call I get a different story every single time. I just want to resolve this issue, get my mortgage reinstated and the past due put on the back of the mortgage like I waS TOLD at the beginning before I went on this program. They are not being truthful and I feel like its a shakedown and intimidation tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank blocks external sources from accessing account which is inconvenient - I am trying to use " XXXX '' application.
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX  ) which is causing significant distress and financial harm. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and Proof of Address with my most recent billandSSNCard.
Product: Checking or savings account

I have been complaining since 2020 about unauthorized address changes and unauthorized charges to my wells Fargo acct. The bank is telling me that the records or details have been purged. Everytime I catch them in a lie they tell me the info is purged. Please help me. I am sending a screenshot of this particular incident. There are many more with accts I never knew of or did not open. Etc .... Another issue isy mortgage acct. There is a payment sent by wire XXXX that would pay house off. And another for XXXX that they can't tell me what happened to money other than it was received by wire. They will not tell me who or where the money went but it was never applied to loan
Product: Student loan

I am being sent back and forth between Mohela and XXXX. Both groups say that my loans are forgiven however my payments are about to start back up again and both are stating it is the responsibility of the other to take care of this.
Product: Debt collection

Rickart Collection System placed this debt of {$5100.00} on my credit report on XX/XX/2016. I have never opened an account with this company, nor XXXX XXXX. I have been applying for apartments for me and my soon to be born first child and by this appearing on my credit report I have been constantly denied. Someone must have used my name and created an account of their own because I have never had an account with this company, because this is the first time I have been on my own seeking for a place to stay.
Product: Credit card

On XX/XX/year> I attempted to change my autopay from {$65.00} to {$70.00} to avoid underpaying ( thinking it was above the minimum usually due ). The following month on XX/XX/year>, I noticed the auto payment was back to {$65.00} and that I had been charged a {$29.00} late fee the same day. I made an additional {$65.00} payment XX/XX/year> and spoke to a representative to help resolve this problem. Instead of telling me that my autopay was not set for the minimum due to avoid late fees, they waived the {$29.00} and everything seemed fine. On XX/XX/XXXX I made a {$35.00} payment ( because I had ordered something ) and then the autopay went as usual XX/XX/year> for {$65.00} ( which in XXXX I realize was lower than the {$70.00} XXXX though had been set. ) XX/XX/year> I went to check my balance and the autopay of {$65.00} went through and there was now a {$40.00} late fee because my payment was {$1.00} below the minimum. I have my card set to alert me if there is an issue but no such alert was given. 
I immediately made another payment of {$25.00} and called Capital one. I was told that they are only allowed to waive 1 fee per year. When I asked why this happened, I was told that my autopay was a fixed amount not set for the minimum and that for whatever reason the {$70.00} from XXXX was a one-time and the auto-pay had not changed. 
We then cancelled the fixed amount and it is now set for the minimum. 
I requested the fee be removed because this matter could have been avoided had the previous agent explained the problem in XXXX. I requested a supervisor and when I told her I was going to file a complaint to the consumer credit bureau she would be disconnecting the call. 
Her system would not allow her to remove the fee. {$40.00} because my payment was {$1.00} short. I am on time with every card. That this problem could have been avoided were they to explain it clearly we'd all be happier for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORT PROVIDED BY : CREDIT TECHNOLOGY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX VOICE XXXX FAX XXXX Falsified my credit report for company listed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.
Product: Checking or savings account

I had a dispute with XXXX and navy fed got my money back $XXXX  I bought the ticket from my XXXX  acct but they could not put it but into that account after trying two times the system said it came from my joint acct but they saw there was no money in that account so they did not know why the system was saying that it did. They had to put the money in that account because the system would only allow it to be put there. Ok now the took $XXXX or close to that to pay a bill for my daughter because now it's her money because it was in that account. The department have explained to them many times what happened and why they need to give me my money back but now they are saying I owe to so if they did not take it for XXXX they would have taken it for me. Well they told for XXXX   and it was not her money and there mistake put in the account in the first place I did not. The mistake is that the last 4 numbers of both debt case from both accounts are the same so the whole number was not put in only the last four. Again navy fed mistake but the collection dept will not give me my money back. The department that made the error has explained the mistake to the many times but again they said the would have taken the money from me. Well what they would have done is not the issue what they did is. If they had taken the money to pay my bill ok but they didn't they paid XXXX bill and again I did not put the money in the account the mistake did. I told it out and put it into another account but when they said they had to I vestagate what happened I put it back. They said I didn't have to do that but they understand why I did. Some one needs to give me my money bank all these bank errors should not gave me lose my money they need to be more careful when they are dealing with people's money this a bank and there job mistakes like this should not be happening and the customer should not suffer for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, XXXX, and Experian to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Product: Debt collection

I received mail today. I received mail from Portfolio Recovery Associates, XXXX. They stated that a XXXX purchase from XXXX for {$1300.00} was transacted on XX/XX/2019 from location, XXXX XXXX XXXX XXXX Wyoming XXXX. 

I told the person from Portfolio Recovery that I have never lived in Wyoming nor purchased anything ever from a XXXX account. 

Original Creditor : XXXX XXXX Original Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Creditor to whom debt is owed : Portfolio Recovery Associates, XXXX  I talked to two people via phone and then talked to XXXX in the Dispute Department. 
XXXX also asked that I scan my drivers license and send it to their company. 
I am reporting a fraud complaint.
Product: Mortgage

I have been receiving letters and phone calls from.the mortgage company stating than I am in default on due to non hazard insurance. 
I have sent copies of my home owners insurance to them by fax, mai! 
And so bad the insurance company. 
The dates of the letters are XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX. 
I talk to people in customer service but still get unwarranted calls and letters.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding issues I am experiencing with my Navy Federal Credit Union account. I have been unable to access my account despite multiple attempts, and the financial institution has failed to provide a satisfactory resolution. 

To provide some context, I have been a member of Navy Federal Credit Union for 2 years and my account number is XXXX. Over the past 2 months, I have been experiencing difficulties logging into my online account and accessing my funds which is about {$32000.00}. I have attempted to resolve the issue by contacting Navy Federals customer service on several occasions. However, despite providing all necessary information and following their instructions, I have not been able to regain access to my account. 

Additionally, I have not received any clear communication regarding the cause of the issue or a concrete timeline for when I will be able to access my funds. I am extremely concerned, as this issue has caused significant inconvenience and is affecting my ability to manage my finances. 

I respectfully request that the Consumer Financial Protection Bureau assist me in resolving this matter and ensure that Navy Federal Credit Union takes appropriate action to restore my access to my account. 

Thank you for your attention to this issue. Please feel free to contact me at [ phone number or email address ] should you require any additional information. 

Sincerely, [ Your Name ] This letter is straightforward, formal, and provides relevant details of the issue. You
Product: Consumer Loan

I purchased a brand new XXXX car with GMAC in XXXX 2005. Everything was good for a couple years, but with the economy crash and self employed, I was late on payments several times through the remainder of the loan, however but still managed to pay it off in the time of the loan. That was 5 years ago, yet they still will not send the title unless I pay interest and late fees. This is totally unfair and unrealistic. The car is only worth ( according to several GM dealers ) what they say I have to pay ( over {$1800.00} ). And they want to report more negative information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$00.00} INQUIRIES : 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
Product: Credit reporting or other personal consumer reports

I requested these accounts be verified multiple times, they keep coming back verified without any proof. FCRA Section 605B states that it is Illegal to report any information on my credit report without my permission.
Product: Debt collection

LVNV Funding has a XXXX XXXX account they are contacting me about. I previously had a payment arrangement set up with them, but have since stopped it. When I made contact with LVNV Funding on/around XX/XX/21, I asked them to cease telephone contact with me. Instead, they placed it with another company called XXXX XXXX and they continue to harass me via phone contact. Due to violations of the FDCPA and the abusive practices LVNV has taken to collect this debt, I request this account be removed from my credit report immediately. I plan to contact XXXX XXXX should we not reach this resolution.
Product: Credit card

This debt was a coercedd debt and I am not responsible. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : Accounts to be removed Elan financial these accounts were fraudulently opened i was also threatened by the criminals to do certain things I did not want too. Please remove the two Elan accounts from my report immediately. the fbi was contacted and police report filed. XXXX, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies. Please remove Accounts ending in XXXX and XXXX from my credit reports immediately, I was threatened and had to make certain payments and do certain things i did not want to do on the account. please have these accounts removed from my credit.
Product: Debt collection

Disputes have been previously disputed with no end results. Please see XXXX XXXX XXXX visit report dated XX/XX/year>. The document states by XXXX XXXX XXXX that I am experiencing memory loss and slurring of my words and repeating myself. The doctor told me this is a symptom of early onset dimetia. I have previously stated in all of my disputes to XXXX and XXXX about my memory loss. I advised previously that all of the collection agencies on listed on all credit bureaus of my memory problems and I can not remeber if any of these account are mine. I have been previously defrauded on credit cards from my previous marriage over 20 years ago. In previous disputes to all of the collections listed on my credit report I have requested proof that I agreed and signed a document stating that I requested and received the credit cards in question. I have also previously requested proof that for every purchase on all of the purchases on the listed credit cards that I actually signed for each and every purchase made. I now respectfully request a copy of the forward flow agreement, chain of assignment, purchase agreement, insurance claim of debt, and my signature agreeing to pay. Without proof of the above requested documents I sincerely request that all collections be removed from all credit bureaus and all files are closed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I made a full car payment, in XX/XX/2022 made weekly payments, in XX/XX/2022 made a full payment for the rest of XXXX and some of XXXX, and now in XXXX my car company is reporting I havent been paying at all they are trying to send me two payments in one month and then charging me extra late fees and reporting to the credit bureau Im not making payments. My car payment is due on the XXXX of every month on the XXXX of the current month they will post the next months bill on the account as well. It was corrected once this year with XXXX because of Covid-19 this time XXXX will not let me dispute it again the information is damaging my credit and is incorrect. My car is fiananced through Santander Consumers and they are now harassing me at work and my employer.
Product: Credit card or prepaid card

I have tried to be a responsible consumer when it comes to Navy Federal Credit Union. I started with this CU back in XXXX. In XXXX a couple of things happen we lost income in my household due to my husband losing his job and me being diagnosed with XXXX XXXX. At the time I had a checking, savings, XXXX credit cards and a car loan with Navy Federal. My husband took his unemployment checks and paid the {$520.00} car note and I defaulted with the credit card payments by a couple of months. You'll think that they'll consider a life threatening illness as away to give options to assist me, but instead I got hit with 60 days past due on 1 card and 90 days past due on another card. 

I called and they deferred the interest rate on the cards to assist me, mind you I requested that the 60 and 90 days late be reconsidered since I've been a good client with them never late on the car payment and because I was battling XXXX. The rep stated that we report what's right and unfortunately we can't remove the late payment. What a bunch of BS my background is banking and I worked at XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX and they took care of their clients. Anywho after that got back on track never had a late or missed payment since then and it's going on 4 years. 

They talk about reporting accurate things. I will upload my credit report where it shows that it's reporting different late payments to different bureaus, in which according to the FCRA is in violation and this accounts should be removed immediately. 

Well it brings me to my complaint today. I called Navy Federal today again trying to be a responsible consumer to let them now I'll be unemployed on XX/XX/XXXX due to XXXX and the business shutting down. I spoke to XXXX in the settlement department and she told me in order for Navy Federal to offer me a settlement on my XXXX credit cards that I must be delinquent. I explained to her that the cards are closed, however when you go on their site it's telling me I have an available balance to use. Mind you I called on Friday XX/XX/XXXX and spoke to another rep that stated that she don't know why it says that, because it's " wrong '' and that the settlement department would be able to assist me but since it was XXXX XXXX that it was closed. 

XXXX went on to tell me depending on how delinquent the account are that's how they go about how much they'll settle for. In which I ask for literature with that info but I guess that went right over her head. 

To add salt to injury if my minimum payment is {$88.00}, {$64.00} is interest, in which means only {$23.00} is going towards the principal with a balance of XXXX. This would never be paid off. 

Last but not least the last payment that they're reporting is XX/XX/XXXX on my credit reports for one of the cards.These credit reports were from XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

On XX/XX/2019 I received an email from Navient stating that my account was past due by {$750.00}. I called XX/XX/2019 and the Customer Service Agent informed me that when I paid a payment in the amount of {$150.00} on  XX/XX/2019 to have my private loans placed in a three month forbearance, the agent during that call did not read all of the proper terms of agreement to place my loans in forbearance. During my XX/XX/2019 phone call, the agent proceeded to read the correct terms of agreements for forbearance to me and stated they would use a XX/XX/2019 payment to cover my forbearance payment to placed until payments resume in XXXX. She asked if I was okay with these terms, I stated no because I had my bank statement to prove that I made a payment XX/XX/2019. She then stated there was not a payment for that date and they could not find it. I later called back to speak to another agent, that is when I was informed that my {$150.00} payment on XX/XX/2019 was applied for XX/XX/2019 without my permission. As this should of been applied to XXXX 's payment. I had previously paid a {$150.00} XX/XX/2019 to place my private loans in a three month forbearance that would of covered XXXX, there would have been no need to apply the XXXX payment to the XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$5400.00}
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft due to an XXXX data breach. i called to have this fradulente account and inquiries removed but they did not remove them
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you