23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get off of covid forbearance since XXXX of XXXX. I have a VA loan. I want on code forbearance due to me being XXXX  from my job for 18 months. I haven't been back with my job for over a year now. I keep submitting applications and paperwork over and over again for the loan modifications. In XXXX of XXXX I finally was assigned a representative from the company. They help me get all the paperwork finally into underwriting. The company now is dual tracking and is foreclosing on my home while I'm in loan modification review. I keep reaching out with questions like what type of loan modifications they offer veterans for a VA loan. This company is more worried about foreclosing on my house and putting myself and my XXXX kids on the XXXX. My finances have improved greatly and I know I do qualify for a loan modification but this company refuses to work with me in this matter. I will be pursuing other ways of getting this information out about how this company is treating veterans. This company does not have your best interest in mind.
Product: Mortgage

When I purchased my house i didnt put 20 % down. So Im paying mortgage insurance ( PMI ) my loan amount is {$470000.00}. I called my mortgage company couple time to reevaluate my property bec the market is going really up, and my house right now worth more than {$700000.00} easily. So I called the first time on XX/XX/XXXX to remove the PMI, I waited 2 weeks and they never got back to me. So I called them again they said that my request is closed. When I asked why they didnt tell me. When I asked for appraisal they said they will mail me some paperwork. I called them again XX/XX/03 they said my XXXX is at 92 % which absolutely in correct, the house next to mine sold for {$740000.00} and with no pool like mine So Im not sure what to do? I need your help. Thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Account number XXXX XXXX opened XX/XX/XXXX Balance {$7.00} -Late/Closed XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Cesars Visa Rewards Comenity Bank : I have used the card and make immediate payments nightly or every 3-6 days to pay the card down so that I can use the card to obtain my " Points '' or rewards. The credit card company is telling me that if I make a payment of {$500.00} or more, it locks my account for 7-10 business days, yet the email I received from the credit card company says it " might take 2 additional days ''. I have spoken to numerous employees at the call center and the all say its customary for credit card companies to hold the payments for 7-10 business days, yet they can not show me where it says this in my terms and agreements. The issue on this card, is that I have tried to purchase an Airline ticket to fly out of town, rent a car and drive back home. The rental car company will not take a debit card, therefore I have to find some other means to rent a car, not counting the " double '' rewards I lose for the airline ticket, hotel and rental car. I am asking where it says it takes 7-10 business days. My bank has already released the money to the bank, its no longer in my bank account They have LOCKED my card while they wait 7-10 days to post my payment
Product: Credit reporting or other personal consumer reports

Transunion and XXXX XXXX are continuing to violate my consumer rights by reporting this allege debt without validation of the debt. I did not receive any notice of my right to dispute this allege debt before it was added to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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
Product: Credit card or prepaid card

Called chase card customer service at XXXX to book airline tickets. We were quoted a rate for 4 airline tickets in the amount of XXXX, we received and email of this charge, them six minutes later we received an additional charge of XXXX. We had been on the call with the chase booking agent while he repeatedly asked us to repeat our information. He then gave us an itinerary number. What we did not know is that this itinerary number was not associated to the originally quoted amount. Im six minutes our tickets prices had jumped almost XXXX. The only solution escalating this was waiting 72 hours for someone to listen to our call. At which time they offered after the 72 hours ( after tickets were officially booked ) they would refund us the amount of they determined on the call we were quoted the XXXX amount. After speaking with two supervisors we were told this was our last option at which time we cancelled everything, however the credit to our credit card for XXXX would not be back on our card for 24 hours. Chase travel is using deceptive practices to book airline tickets or have not properly trained their call center employees to book the services offered per there services.
Product: Credit reporting or other personal consumer reports

As l am still a XXXX XXXX who's being RETALIATED AGAINST in XXXX Illinois for reporting Corruption by deceptive Bankruptcy firm known as XXXX XXXX It's enough I'm blocked from Chase Bank from having a account as of XX/XX/2024 but someone has gone as far as having XXXX report me as being XXXX as of XX/XX/2024. In all my XXXX  years retrieving my credit report and score, I have never seen anything like this!! I tried to resolve this matter with XXXX representative but she hung up after 20 minutes trying to her to explain logically why there's no credit score anymore. Also CHASE BANK had the strange audacity to close my account without reason in 10 days on XX/XX/2024. Please contact me regarding investigating this bizarre matter as l have been tolerating strange hacking on my cell phone. My emails have been compromised and my cell phone numbers in the past 6 months as well. Someone very dirty empowered is trying to XXXX XXXX  as l am XXXX  ( staying at a XXXX XXXX in XXXX Illinois since XX/XX/2024 ) and blocked from getting approved for housing or legal support. Please investigate why l can't receive my credit score and why Chase Bank can close my bank account without reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going over monthly credit report review and maintenance I noticed a couple accounts that were opened without my knowledge or consent which may have been a result of an information data breach, I have tried reaching out to Experian to solve this issue but they were not able to assist me properly through the web. The Accounts that were opened without my consent were two " XXXX '' loan account with the account numbers ( XXXX ) & ( XXXX ).
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for the Capital One Venture card and was informed my application would have to be reviewed and if declined, I would receive an explanation letter within 10 business days. On XX/XX/XXXX, I received an email stating my application was declined, and that I could access my explanation letter via a link to read their reasoning for denial. The link worked when I signed in, but there were no letters and it stated " No documents found. '' On XX/XX/XXXX, I called Capital One where I spoke to someone in the XXXX, and he apologized and said I would receive a letter in the mail within 10 business days. I informed him it's been over a month and it's well over 10 days. He then stated he could not tell me why I was rejected over the phone, and I mentioned I did have a freeze on my XXXX   account. He recommended lifting the freeze, and if I wanted, I could reapply again for the credit card so I went ahead and agreed. 2 days later, I then received another email stating my application was denied with another link to an explanation letter. I followed the link, logged in, and the result was no letter stating " No documents found. '' I have not received any letters over the mail, and instead received links that lead no explanation.
Product: Checking or savings account

On XX/XX/2021, my Chase Checking account ending in XXXX, was involved with someone making unauthorized fraudulent charges. The following ATM withdrawals from the same branch were made all on the same day. {$1000.00}, {$2200.00} and {$800.00}. Chase allowing so much money to be withdrawn on the same day without so much as an alert is totally egregious and the second withdrawal should have been denied. The only time they reached out to me was subsequent to the withdrawals for a charge at a gas station for {$30.00}. There was also another fraudulent charge that same day at a XXXX  for {$240.00}. When I received the alert for the gas station purchase, I went onto my account and noticed all of the above mentioned charges and contacted Chase right away to let them know they were not my charges. I was asked if I had my Credit Card in my possession and I did, therefore, I told them so. There was an investigation done by Chase and subsequently the case was closed due to a statement made by them that it is IMPOSSIBLE for someone to clone a card with a chip on it. They stated the person also used my PIN. This statement is entirely untrue as this happened to me. I do not know how it happened but it did. I asked them to check all the cameras and they told me I would need a lawyer to have that done. I also tried to open a police report and the officer told me unless I have a document from Chase stating it was confirmed fraud, they could not take a report. I have since done some research and have indeed confirmed that although it is very difficult, this copying of a chip card can be done. Please do your own research about a company called XXXX XXXX and how they have designed software called XXXX XXXX. Nothing is impossible in this day and age and I resent the fact that Chase did not look further. I have basically lost my life savings and there is nothing they will do about it. My entire family have been customers of Chase for many years and because of this, they are considering leaving. I am extremely saddened by this situation and have living expenses to deal with and no where to turn. Please look into this for me, further investigation needs to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Tranusnion are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year XX/XX/23. A complaint was made about two fraudulent Kickoff accounts that was a secured loan and Kickoff charge off account that was reporting on my XXXX, XXXX and XXXX credit report. Both accounts was successfully removed from my XXXX account, but never removed from my XXXX nor XXXX account.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 
I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question
Product: Student loan

I called XXXX XXXX, my current servicer, about a week ago just to make sure that everything was in order. I am participating in the XXXX XXXX XXXX XXXX XXXX, and I have about 3 years left of payments. I asked about confirming the date that is on all of my paperwork from XXXX XXXX   which is XX/XX/XXXX. I had problems with my previous servicer XXXX XXXX in that they lost my paper work, and I was put on a forced forbearance for a couple of months. When all was said and done, I had proof that I had sent the proper paper work, and that XXXX XXXX had mis-handled it. Because of that, XXXX XXXX was counting those months on forced forbearance toward my 120 payments toward XXXX. In addition, I had been in a consolidated loan since being with XXXX XXXX in XXXX. XXXX XXXX took over my XXXX XXXX at some point-I am unsure of that date. I called to confirm all of the mis-handled paper work, etc. at that time that they took over the loans, and I was assured that they could see the previous notes from XXXX XXXX and that they would honor that. Fast forward to today. When I called XXXX XXXX most recently ( XX/XX/XXXX ), I was told to " take that date with a grain of salt '' meaning the XX/XX/XXXX date when I am eligible to apply for forgiveness. I was told that they had no record of being in a consolidated loan with XXXX XXXX and they were using the date that XXXX XXXX took over my loans. I told them that I had always been under a consolidated loan since being in repayment because I have always been participating in PSLF ; I work for a government organization. They told me that they were unable to see any notes from when XXXX XXXX serviced my loans, and that I would " have to prove it '' that I had always been in a direct consolidated loan. I find this hard to believe in that they were previously able to see those notes in the past. On top of that, I never did a new consolidation when XXXX XXXX took over. I happened to find my consolidation paperwork from XXXX with XXXX XXXX, so I actually can " prove it '' ; however, I should not have to do that. I also filed an ombudsman complaint both with XXXX XXXX as well as the US Department of Education, and I have not heard back from either organization even though they said that I would hear back within 48 hours. That was at least a week ago, and pushing toward two weeks.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with PNC Bank, which failed to respond to any of my complaints since XXXX last year. 
Please see the attached PDF file containing all relevant documents and evidence, as well as my claim.
Product: Consumer Loan

I was called by a company called prosper loan by  XXXX   XXXX  and accountant  XXXX    XXXX   phone #  XXXX  or  XXXX  from email  XXXX  XXXX  XXXX . Due to my ignorance of the scam about to happen. I was told I was approved for a loan. During this time I was homless with and infant and father had just passed in desperation for help I called them and was asked to purchase I tunes cards or  XXXX  gift cards. As it fallows I did they sent me what I thought were legal document. Then they told me to call and see i had funds i did. Then they told me that if I didnt return there funds i would get reported to the FTC. That made me nervous. Did not really think anything of it until I called the real company and asked for a update on my loan 3 days later after I tired to pay for a safe place to stay. my card was declined and account frozen due to unusual activity.? I was notified that they did not approve a loan that I had not even applied. Now I am in a bind do n't know what to do do n't have any money to get help. And far worse then when I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 EXPERIAN XXXX XXXX  XX/XX/2023 EXPERIAN XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX has not resolved my dispute about the debt that has occurred in XXXX their are closed accounts from Santander I've disputed addresses that I've never lived and some out of state debt that is being charged in my name from XXXX XXXX .I 've disputed 11 hard inquiries that I didn't have any knowledge about when I reached out to XXXX disputing the claims no action was taken and I've been fighting my disputes since XXXX starting around XXXX and it's now XXXX XXXX and the disputes sill remain unanswered
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theftI. I submitted a dispute along with FTC report XXXXXXXX XXXX XXXX  continue to report this fraudulent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix this issue directly with them they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by Jefferson Capital under account number XXXX, for which I was never notified via mail or given the opportunity to dispute. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Violation : 1. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the FDCPA, I am entitled to be notified of any alleged debt in writing, providing me with the right to dispute within 30 days. However, I did not receive any such notice from Jefferson Capital. This lack of communication is a direct violation of the FDCPA, as it deprived me of my right to dispute the debt before any further collection actions were taken.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent, and under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraud on my credit report without my permission. I never authorized this debt to be reported, and the fact that it appeared on my credit report without proper validation or notification is a clear violation of my rights under the FCRA.

3. Failure to Cease Communication ( FDCPA Violation ) : After discovering this fraudulent debt, I formally requested that Jefferson Capital cease all communication with me regarding this debt under 15 U.S.C. 1692c ( c ) of the FDCPA. Despite my request, I continued to receive communications about this debt. This ongoing contact, despite my demand to cease communication, constitutes harassment and a further violation of the FDCPA.

Laws Violated : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ), 15 U.S.C. 1692c ( c ) Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ), Section 605B