23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I became severely ill and had prescriptions that were not covered by my insurance, which resulted in me paying out of pocket. By XX/XX/XXXX I was out on XXXX   until XX/XX/XXXX. I returned to work part time and because full time in XX/XX/XXXX. I went back out again in XX/XX/XXXX for surgery, and returned back to work in XX/XX/XXXX. During that time my loan was transferred from XXXX XXXX XXXX during the process of my modification to XXXX XXXX. I then applied for a modification from XXXX and they advised me that they were reverting back to my original loan of 7% at $XXXX a month. My current loan is at 2% and the payment is $XXXX. They transferred my loan after two months to Kirkland Financial Group. I contacted Kirkland Financial for a modification and they denied me stating the payment they came up with is not affordable. They came up with a payment of $XXXX.  I then applied to the Hardest Hit Fund in NJ and was approved for the assistance to bring my loan current. Kirkland declined to participate and adviced me to reapply for a modification. This was the email and terms that were offered:  Based on the documents provided, it appears we can get something done.  As of XX/XX/XXXX, per the attached payoff, you owe $XXXX. You are currently over $XXXX past due in payments alone from XX/XX/XXXX to date. We can offer a 6 month trial modification beginning XX/XX/XXXX.  You will need to pay your own Home Owner’s insurance and Property Taxes. Payments will run XX/XX/XXXX thru XX/XX/XXXX at $XXXX monthly.  You will also need to make a $XXXX “good faith payment” which can be split into 2 payments - $XXXX due on XX/XX/XXXX (along with the 1st monthly payment of $XXXX) and $XXXX due on XX/XX/XXXX (along with the last monthly payment of $XXXX).  Assuming you comply with the terms of the trial period, your loan would be modified as follows: $XXXX Balance (currently owe $XXXX)5.00% Rate (currently at 2.00%)180 month term (currently 455)$XXXX P&I payment (currently $XXXX)$XXXX Total Payment Please let us know if you accept this offer. This is our best and final offerThis company is clearly not willing to assist me with saving my home. They raised my interest rate from 2% to 5% and shorted my term. What kind of mondification is this? They don’t even want me to pay any utilities to keep me warm.
Product: Debt collection

Was in the process of acquiring an itemized bill from XXXX XXXX when the debt was transferred to Debt Collection Agency ( XXXX XXXX credit management company ), attempts were made on several occasions to contact the collection agency to inform them that the debt was being disputed but no contact was possible. Since this time debt collection has sent robocall at a minimum once weekly for over one year with no option to contact a human through the call ( an automated message simply gives a number to call with no option to be transferred to a representative ). Upon calling the referenced number youre met with lengthy wait times and frequent crashing of the system. Several attempts have been made to resolve this issue but have not been able to reach representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Bank of America on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed were not initiated by me ; 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 
The accounts listed on the report are fraudulent and were not initiated by me. I have no business with these companies ; XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
May have happened when losing my wallet I have reported them as identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I am a victim of Identity theft and I have been requesting that the items I am disputinbe deleted from my Credt report in accordance with the FCRA section 605b. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : 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: Checking or savings account

I pay my rent from Capital One 360 account each month, I do a transfer from my XXXX XXXX to the Texas Capital One account. On XX/XX/XXXX I transfer {$1100.00} from my bank in California to Capital One. The bank note said the funds would transfer on XX/XX/XXXX. On XX/XX/XXXX the funds were not there, so on XX/XX/XXXX I did a second transfer, that said it would be there XX/XX/XXXX. In the meantime my rent check came out of the Capital one account ( {$1100.00} ) and I transferred {$990.00} dollars from Capital One back to my XXXX XXXX which was now saying it was overdrawn. Couple of days later on around XX/XX/XXXX Capital one said I was overdrawn, and put a hold on my account. I called the bank and the bank said that I needed to pay the {$990.00} back and then they would make a decision as to whether I would keep my account and Im like why wouldnt I keep my account if Im paying the money back, Im not trying to steal any money and they said well. This is the first time that this is ever happened on your account so the bank decision would probably be in your favor, well on XX/XX/XXXX. I paid the money back on Friday XX/XX/XXXX took some time for post on Capital One 360 account-one being that Monday was a holiday XXXX XXXX XXXX and now I called Capital one 360 today XX/XX/XXXX because it still saying that my account is on hold and they tell me that they closed my bank account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter arises out of a consumer credit transaction with NAVY FEDERAL CREDIT UNION in which I am demanding that you cease and desist from disclosing my nonpublic personal information to all nonaffiliated third parties which includes XXXX, XXXX, & XXXX. 

As the law states, 15 USC 6801 ( a ), Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

NAVY FEDERAL CREDIT UNION does not have my consent to share my nonpublic personal information and if there is any disclosure in your agreement giving you that option to share my nonpublic personal information, I request that you show me in the same agreement where you provide me the option to opt out of sharing my nonpublic personal information. 

Pursuant to 15 USC 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

As 15 USC 6802 ( b ) states, Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

NAVY FEDERAL CREDIT UNION, your financial institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) without giving me the opportunity to direct that such information not be disclosed to those third parties above. You have infringed upon my right to privacy and violated federal laws.
Product: Debt collection

Bank around XX/XX/year>2024 PayPal and Sychrony Bank both took monies from my chekcing account without permissinan d p [ aid what I owed them off. That caued my checking account to be suspeened by my financial institution ( XXXX XXXX to close my checking account and leve me with out any wayh to pay anything. I am XXXX years old ( XXXX ) and my usband is in very bad helalth at XXXX years old. Synchrony took XXXX to pay themselves off and my bank teh got it back but at same time PayPal took XXXX to pay off XXXX credit card again without my even knowing that it wa going on till a bit latter an d i tried totell both Synchjrony and Papal what theyn had done. They senmt messages and I had to go online at PayPal and readd them and theyh admitted mistkes. NOw they are charging me twice the XXXX and sow I owe them double plus a XXXX fee and I tried over an d over for tehm to correct but they send a notice it wa ot theoir falt and I owe that XXXX now my balance at time of the errors wass XXXX on teh Credit Card with Paypal but now they reimbursse twice the amoount plus feee to credit card inflating the balance? I hav erbverern very ill and on XXXX mesds due to XXXX and XXXX  an d am trhying very hard forthen to corredt tis but they refuse and this is over 11 days now and I lost my cecking account ver it an d m not bler to pay anyting since bank punished me and my spouse an dsaid we hve to wait a year or so to get bank account back all because of this happening without our permission.
Product: Credit reporting or other personal consumer reports

I am writing to once again dispute the inaccurate information being reported on my credit file related to XXXX closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 12 CFR 1022.41, I have the right to dispute and correct any inaccuracies on my credit report, and to prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties, as outlined in 15 USC 6801. 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including Equifax. The two account opening dates and balances differ between Equifax, XXXX, and other agencies, as detailed below : Account Opening Date : Equifax states I opened both accounts on XX/XX/XXXX, while XXXX reports a different date. 
Balances : Equifax and XXXX are reporting conflicting balances for the same accounts, which is impacting my credit utilization. 
Additionally, Equifax is reporting these two accounts as closed, whereas XXXX and XXXX have reported them as charged off. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization. Furthermore, under 15 USC 6802, a financial institution such as Equifax is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with a clear opt-out notice, as mandated in 16 CFR 313.4 and 12 U.S.C. 1843 ( k ) of the XXXX XXXX XXXX  Act of 1956. This nonpublic personal information includes personally identifiable financial information and any list or description derived from such information that is not publicly available. As outlined in 15 USC 6801 ( b ), Equifax is also required to maintain administrative, technical, and physical safeguards to protect my personal information from unauthorized access. To date, Equifax has failed to meet these obligations, and no proper opt-out notices have been provided regarding the sharing of my information with third parties, in violation of 16 CFR 313.1 and 16 CFR 313.10.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing to file a complaint against JPMCB CARD for failing to remove a fraudulent account from my credit reports despite my repeated requests. This account was opened fraudulently due to identity theft. I have attached a police report and an FTC Identity Theft Report as evidence.

The fraudulent account showing on my Credit reports is : Account name : JPMCB CARD Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), JPMCB CARD is required to remove fraudulent accounts from my credit reports. However, JPMCB CARD has not complied, severely impacting my life and credit. I request your assistance in ensuring that JPMCB CARD complies with the FCRA and promptly removes this fraudulent account from my credit reports. 

Thank you for your attention to this matter. 



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

I have sent several disputes via mail to XXXX, XXXX  and Transunion and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX Loans- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX
Product: Mortgage

The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XX/XX/2010 The bank JP Morgan Chase , NA XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone applied for and opened a auto loan account with Universal Acceptance/XXXX XXXX  on XX/XX/2013. I never applied for an auto loan account with Universal Acceptance/XXXX XXXX. The account is fraudulent, unauthorized and not mine.
Product: Student loan

I am enrolled in the PAYE loan forgiveness program and have been for 8 years. I have never missed a payment. There is an injunction against SAVE and PAYE right now but I am due to recertify my loans on XX/XX/XXXX this year. I can not recertify through the studentaid.gov website as required due to the Trump administration blocking the applications right now. When I reach out to Nelnet for help, and ask about enrolling in the IBR program which is not part of the injunction, they refuse to offer me advise other than telling me my only option is to choose a standard plan, extended plan, forbearance, etc. Those are not viable options and I am well within my legal right to request to recertify my loan or switch to the IBR program. They have taken down all loan forgiveness information from their website and most servicers are granting extensions while this case in handled in the courts but Nelnet refuses to do so. My payments will go from {$840.00} a month to {$6000.00} a month which will completely bankrupt me. I do not see how they can legally do this. I am being forced to not recertify my loan by the deadline which means I will forfeit the loan forgiveness and what I have paid into for 8 years ( I only had 12 years left before my loan would have been forgiven ). Please help me. All I am asking that they do is grant an extension to the recertification deadline while this goes through the courts or allow me to apply for the IBR plan.
Product: Checking or savings account

Td bank use a auto dialer to contact me multiple times a day about my closed account and my secured credit card as per ftc, fcc also As per section 47 CFR 64.1200 ( A ) ( 1 ) THE USE OF AUTO DIALER MAY ONLY CONTACT A PERSON HOME PHONE AND NOT A CELLULAR PHONE DEVICE TD bank did not have my written or oral promission to contact me by this way they have call me several times a day all different times a day I do have my cellphone records and if my request is not granted I'll be force to file a complaint against td bank by court with the help of a attorney I would like to only be contact by email by the response of td bank
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$990.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/ that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. These are the dates that I sent the dispute letters on 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

We reached out with Klarnas customer service ( XXXX ) for a bill dispute on XX/XX/2022. Regarding about a purchase that was billed on my credit card. It was an online purchased worth {$1600.00} from XXXX XXXX on XX/XX/2022. The XXXX XXXX XXXX was unable to meet our expectations. We canceled our order on XX/XX/2022 due to product not received. We are informed by XXXX XXXX XXXX XXXX Customer specialist to dispute it with the bank. At the very same day is the day we reached out to Klarna. As they reviewed our request XXXX a Resolution Specialist of Klarna. Concluded that it has to be a 120 days from the date of purchase. As you can see from the email conversation was dated on XXXX XXXX, 2022. Its still less than a 120 days from the time of purchase. XXXX XXXX stated through an email to dispute it with our bank to get refunded. I did my part to dispute it in a timely manner that is less than 120 days from the time of purchase. As customer paying with a credit, I am relying with full confidence to Klarna as the credit card company of my choice to mediate this issue. But unfortunately, I have been turned down and disappointed by Klarnas decision.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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  - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX