23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made several payments to XXXX and they " lost '' the money, however recently they tracked it into the " Mr. Cooper '' area. Mr. Cooper claimed they never received the money and I attempted to contact them via telephone and all they will let me do is to run in circles in their answering system. They have charged me late fees and threatened to take my house. I NEED MY MONEY BACK.
Product: Mortgage

I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act. 
Please Help Me Save My Home!!!!!
Product: Checking or savings account

BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and 30 days late payments for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/XXXX XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT. THESE INQUIRIES DOES NOT BELONG TO ME SO I AM ASKING THAT YOU PLEASE REMOVED THEM OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Hello, I am enrolled in the Public Loan Forgiveness Program with XXXX XXXX. Two years ago they miscalculated the number of qualifying payments that I have made to date and thus are stating that I still need to complete over 5 years of monthly payments to qualify for loan forgiveness. They suddenly changed the time left until forgiveness one day out of the blue. I have called them over 10 times in the last 2 years requesting that they recount my loan payments since I should only owe 3 years until loan forgiveness. Every time I call they continue to say that a manual recount can take months but again it has been over 2 years now and it still hasn't been completed. I finally got them to mail me all of my payment information so I could confirm how many payments I have completed on my mine and again I owe only 3 years and not 5 years. I like 2 years is an incredibly long time to not recount my payments and correct my date of loan forgiveness. Any assistance that you may be able to offer would be appreciated. 

Thank you! 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After sending out a letter and complying with FCRA 605B guidelines to XXXX they have responded with a letter stating they have removed the 27 inquiries only to have them on the credit report. This is the reason why my attorney has been assigned to sue the credit report agency for failing to comply with the federal law and for failing to remove the 27 inquiries that are fraudulent.

They have also failed to provide any training to the fraud department. Im sending you the complaint so that you have the information documented. 

When my attorney files a lawsuit against you for my personal injury in losses of XXXX because I am not able to secure capital to grow my business or operate my business. Not to mention pain and suffering from XXXX and anxiety and XXXX from the stress of not having enough XXXX to support my family financially. You have no right to have that much control of someone elses destiny especially when you are in the wrong side of the law. Even if you are to remove the inquires from the file. The past year has been very difficult for me and my family along with my ministry. I want you to know how much you cost me and my family. 


You have failed me as a victim and you deserve to be held accountable for my financial losses and suffering that you have caused me and my family. 

I am sending you this letter so that you are not confused about the lawsuit against you that my attorney has filed. You will receive notification of this matter within a week. Personally I am wanting to take this matter to trial to ensure that this matter is not effecting any other victims of fraud and identity theft.
Product: Credit card or prepaid card

American Express wrongly charged a fee to my account. However, they reversed this fee when I complained to the cfpb. However, the company continues to charge me a {$39.00} a month late fee associated with the original fee. That money should have been refunded
Product: Credit card or prepaid card

I am a Chase customer since XXXX. I own 2 chase credit cards and I use the checking account to deposit my paychecks every two weeks since past 1 year now. I recently experienced major inconvenience from the Credit Card Fraud department and the Credit Card Dispute Department. 

Briefly summarizing my case, I booked a flight ticket on XX/XX/XXXX for {$1400.00} from my Chase Freedom Unlimited card..I was about to check-in for the flight on XX/XX/XXXX from XXXX to XXXX XXXX, when I get to know that the ticket was no longer valid as the transaction was cancelled by the bank. 

I went to my nearest Chase bank and the banker named XXXX XXXX tried helping me out with the problem by making a few calls. After being on the call for about 3 hours, we get to learn that someone from the fraud department marked the transaction as fraud and it was then cancelled. Firstly, I never reported the transaction as fraud and I didn't receive any message/call/notification about this from the bank, asking me whether I made the transaction or not. Secondly, I didn't even receive any refund back for 2 months until I called and asked them about it. There was no way for me to know about this incident, except the day before boarding the flight. I had no other option than to book another flight which of course was at a much higher price of {$2200.00}. 

So, after 3 months since I first booked the ticket and many long hours of back and forth calls between the 2 departments, I finally did get the {$1400.00} back as a refund, which I appreciate. But I really feel that none of this was my mistake as a transaction was cancelled without even my consent or letting me know in advance. So why should I be bearing a loss of {$800.00}? I don't think it's right to just cancel transactions from a card by marking them fraud without first talking to the customer about it. 

I e-mailed the same to the CEO, Mr. XXXX XXXX, on XX/XX/XXXX and received a call back from his department. After reviewing my case and going through the details, I was refused any compensation saying that the bank has the right to cancel any transaction they want, whenever they want. This makes me feel less reliable on Chase credit cards now and I feel it's not the right way to treat the customers. I already cancelled one of the card and stopped depositing my paychecks. Thanks to this unsatisfactory experience. I think more people should hear about my story and be more cautious before using Chase Cards for important transactions.
Product: Debt collection

In accordance with the Fair Credit Reporting XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then 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: Debt collection

I was checking my credit report and I noticed that I have a collection from XXXX XXXX XXXX for XXXX XXXX for the amount of {$530.00}. I disputed it with the credit agencies but have been unsuccessful. This account was open fraudulently. I need this to removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer Number : XXXX I, injured consumer, XXXX XXXX, did not authorize ANY consumer reporting agency to report, house, furnish, compile or exchange my personal information with anyone, including : third parties, affiliates or other entities on my behalf. I have never given LEXIS NEXIS consent or have I ever received proper disclosures allowing me to opt in to doing so. To my knowledge, LEXIS NEXIS does not have any expressed or implied contracts with my written signature authorizing them to do so. This letter serves as notice that you are hereby willingly and intentionally committing fraud by way of identity theft. As a consumer, the law protects my rights as a consumer and offers me protections as outlined by Congress against crimes such as identity theft. According to the Fair Credit Reporting Act subchapter F subsection 603.2, it defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. Pursuant to 15 USC 1681b - you do not have permissible purpose to do so ; nor do you have authority to do so. Pursuant to 15 USC 1681c2 this information must be blocked and removed within 4 days. How did you obtain my personal information? Please provide me with your proof of authority to do so. Instruct all agencies, companies, affiliates and corporations you are actively furnishing any information to on my behalf, to remove it immediately and permanently. I have also attached a copy of the required FTC Identity Theft Report number : XXXX for reference. I have also included Form 14039 Department of the Treasury XXXX IRS Identity Theft Affidavit. No additional documentation is needed to authenticate my request or meet my demands as stated herein.
Product: Credit card

XXXX XXXX XXXX I was charged over {$6000.00} for purchases I did not make. These charges were exponged by Barclays. They however continued charging my account for other items I did not make. They refuse to exponge these charges!
Product: Checking or savings account

Wells Fargo placed a hold on my Social Security instead of posting it when it was deposited into my account. This caused the reoccurring payments to bounce and charging me {$35.00} in fees for a whopping total of over {$700.00}!
Product: Student loan

I have been making on-time payments that include an additional amount specified to go towards the principal of this loan. While I graduated in the year XXXX and began making payments sometime thereafter, my loans were transferred ( without my signature ) to another loan servicing company, American Education Services, under the Pennsylvania Higher Education Assistance Agency ( PHEAA ) in XXXX. After numerous attempts to manage my account so that I could pay off the loans, the entire amount of the payments are still going to interest as evidenced by the tax form provided by the lender as well as the obvious evidence of a balance that is well over the original loan amount. There has been no communication in response to several attempts from me or my lawyer to provide the documentation requested regarding the original transfer, the interest rate that has been consistent over the life of this " loan '', or the discrepancy between the reported interest rate and fee structure along with the principle balance, which were requested while in good standing. Furthermore, there has been no response or answer to how the " loan '' interest continues to show in " Account Summary '' as " Unpaid Interest ''. In fact, this loan has been paid in EXCESS of the original student loan agreement including interest. Most recently, notification that was sent to the company to stop automatic payment was ignored and another payment was taken from the banking account.
This student loan servicing company meets the definition of predatory lending due because they have made it impossible ( hidden fees, misappropriation of payments, non-communication ) to pay off the " loans ''.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Capstone Credit & Collections , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My last payment for my personal loan through XXXX XXXX XXXX was supposed to be XX/XX/year>. All of my payments were paid through automatic deposits for 60 months straight with no late payments. Next thing you know, I see I have a late payment on credkarma. After speaking to my bank, they told me the last payment needed to be sent through a check. We argued because they never told me this and accepted my last payment. I should not have a derogatory mark on my credit because I was never told to send them the last payment through mail. They could have take the payment automatically like they did for the last 5 years? It was literally the last payment. Credit karma has removed this from my credit. The account was eventually paid off. Please help me out with this. I am 100 % not at fault here.