23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Recently opened a care credit account with Synchrony Bank, and they locked my account where I am not able to use it for my urgent XXXX procedure. I contacted the bank, and theyre requiring me to MAIL a copy of my state id and utility bill or full bank statement for them to unlock my account, which I never used, a process which will take approximately 30 days. I inquired if there was a more secure and timely manner in which I can resolve this, such as uploading the requested documents on a secure site, as I am not comfortable with mailing such information, they said no, and could not provide me with a valid reason why my account was locked, other then security purposes. I am not left to suffer with my XXXX needs because of their ineffective and careless business practice for a medical based card.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX account XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX consumer profile and found an hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I've never given permissable purpose thru verbal or signed written authorization for this company to view my consumer profile. This may be a case of predatory tactics used by some auto dealers but without the consumers consent. I've never received any type of confirming denial or approval disclosure of any loan I allegedly applied for with this company. I sent a certified letter to dispute and requested proof of authorization for this inquiry with XXXX XXXX or resolve with a deletion of this inquiry from my XXXX consumer profile immediately. This unauthorized inquiry is suppressing my ability to obtain credit and is damaging my mode of living.
Product: Checking or savings account

XXXX Bank was sold to XXXX. I own a small business, and had a business account I kept a small amount in for emergencies - never more than XXXX When they switched over they " automatically switched my account to something comparable. '' This new account had a minimum of $ 10K or you were charged a service fee. I was charged XXXX  dollars which was automatically deducted from my account. I do not recall any correspondence regarding this switch or it's consequences. It took me a while to notice the deductions- so I began to try to see a banker to find out why this was happening, and that was very, very difficult. I called, stopped by, left messages, and made at least 5 attempts to get help in person, but some branches did not have bankers, others had no one available, sometimes it was a 45 minute wait which I was unable to do. I finally called their 800 number and someone changed over my account and refunded XXXX, but refused to refund the entire amount.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from XXXX stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

I then requested a credit report through XXXX to review my credit history. I noticed that the new account in question was for an Home Depot credit card that was open on XX/XX/XXXX with a balance of {$2900.00}. 

I contacted XXXX and requested a dispute. I contacted Home Depot to close this account and conduct a fraud investigation on XX/XX/XXXX. I also alerted the XXXX XXXX team to notify them that this was indeed fraud and request a security alert be added to my account so that I would be notified if any new attempts to open account happened.
Product: Debt collection

I have received a number of phone calls at all hours the day and night from Portfolio Recovery Associates , LLC. They NEVER leave what information they are calling about and when you call them back to find out they are rude and do not give you any information. I have also sent them a cease and desist letter on XXXX XXXX, 2015 and they still continue to harass me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Please fix these accounts in my file, I need these accounts fixed for their reports are mistaken and causing me trouble : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

XXXX transferred or sold my account to nationstar which is ok, however a automatic payment was sent after and XXXX offers no way to opt out of their automated answering system to talk to anyone. My payment was cashed and not forwarded or returned. Should be illegal to not allow real conversations, very rude. Please respond asap
Product: Mortgage

I have been in contact with my mortgage company since XX/XX/XXXX when I was having financial issues, and my pay was cut in Half. I lost time being out for XXXX etc. There was so much miscommunication every time I called. I have stayed in contact with the mortgage company contacting them continuously and providing any information they needed. One representative I spoke with in XX/XX/XXXX stated the only option I had was to split the late payments up and add them on to my next payments. This would increase my payment each month. How can I pay more if I am unable to make a normal payment!! I told her this and she had already set me up with this arrangement! I said that I couldnt do it and to let me speak with someone else. Spoke with another representative that stated I was approved for the forbearance that they only wanted the question what has gotten me behind XXXX if I would be able to resume payments normally afterwards. Which I answered. Called back in a week and they said I was not approved for anything and the questions did not satisfy the big decision makers. the collection emails, calls and even coming to my home hand delivering letters. I have gotten a new job as of XX/XX/XXXX. I have made several payments every time I am paid and I am now due for XXXX according to the representative I spoke to on The phone in XXXX XXXX when I paid another payment. Today I received a letter regarding intent to foreclosure today. This letter was sent even after speaking with them and making payments. Never once gave me any helpful info. I took it upon myself to speak with a HUD COUNSELOR and he has been helping me and telling me what rights I have and assisting me with how to speak with the mortgage company. This is the reason I am contacting you today.
Product: Student loan

I borrowed a loan from NJclass for {$40000.00} to pay tuition at XXXX University in NJ. I have made effort to pay them each month, but can not pay the full $ XXXX monthly. They have told me numerous times that there are no options for repayment. I have been giving them $ XXXX monthly. I have contacted congressmen in NJ who could not get the minimum down. They will not consider my income. My credit is now destroyed. I have other loans which are working with me without issue. It seems that hesaa is one of the few that offer XXXX options. I am now {$700.00} behind. Everyday is a struggle. I work hard and pay for everything else in my life that is required of me ... But because I ca n't pay the {$400.00}, my credit is bad and discounts my hard work. Someone sees my credit and feels I am irresponsible. I know it was my choice to borrow money, but hesaa 's inflexibility is making it impossible to find resolution. Private loans should be allowed inn chapter XXXX. I am now facing defaulting. I read that hesaa charges 30 % of the balance when you default for legal fees ... And they do NOT offer loan rehabilitation ... how is this legal? I should have the freedom of at least XXXX option. I have no rights here. Where are my rights? I have paid them something every month. I do n't know what to do. NJ Class ( hesaa ) masquerades itself as a federal loan to XXXX year olds who do n't know the system. The governor is listed as being involved on their website .... For what purpose? This needs to change. I need help or my life could be ruined.
Product: Mortgage

I had a previous complaint about asking for my loan to be locked in at XXXX rate that day - and rep did a variable rate reduction instead of a locked in rate of XXXX XXXX % I pay {$600.00} extra per month and i didn't notice the rate was on an ARM until 2 years later. 
I tried to get it fixed with wells, had them pull the tapes and listen to them. 
XXXX guy denied me - I escalated - XXXX lady didn't bother to listen to the tapes- and sent the EXACT same form letter asXXXX guy- on the same day she received the complaint and request foe escalation. 
i then complained to CFPB and got a call the next day i got a call from a wonderful lady who listened to the recordings- shared with her management and agreed that i was right. since it had been XXXX years- they said they could no longer offer me the XXXX %- but did offer me 60 months at XXXX % Being scared of the rates going up ( as they did- i reluctantly took it ) Fast forward a few years - I have been putting additional principal onto my loan- i noted " ADDITIONAL principal '' on wells Fargo 's own bill payment system. 
I have called SEVERAL times because they charge me interest on my additional principal payments. I have been told 4 times to pay it XXXX different ways- and wells OWN system cant read its " additional principal payment '' in the remarks. I want the interest back that i feel has been stolen from me. I am getting nowhere calling wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

Was not informed about the charges or debt collection actions. Never received an opportunity to dispute debt before being placed on my account.
Product: Checking or savings account

On XX/XX/2022, I received several emails asking for verification of my email for a new checking account opened with Bank of America. I contacted the institution yesterday, XX/XX/XXXX and they closed the account. I'm in the process of calling all of my creditors to notify them that my identity was stolen.
Product: Checking or savings account

I disputed XXXX unauthorized branch withdrawal transactions of my Wells Fargo checking account and XXXX unauthorized atm transactions which were done on my checking account ending in XXXX. I disputed these transactions with Wells Fargo last year all the way to this year and they are still denying my claim. Im holding them responsible for the fraud because they was careless by not appropriating my my funds properly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX  I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX 's has been removed from my XXXX  credit file but the results from my dispute with XXXX  and Equifax have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Product: Checking or savings account

I was going to make a payment on my Capital one card account and I noticed someone hacked my account and I stoped plus my wallet was stolen out of my car XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent a request to validate the debt that they said I owe them. I have never done business with this company and the information that they provided me did not have their name on it. It has an entire other company name on it. In fact they have two different names on the documents that were provided to me, which makes them the third person to have my personal information claiming that I owe this debt. They did not provide me with a contract, or signature to show that I personally have a contract with them and owe them. 

They sent me information about a law suit that I knew nothing about with the documentation again this information is invalid and false. I don't owe them anything as I never had a contract with them
Product: Mortgage

I became suddenly ill in 2013 and had to go on long term XXXX. My salary was cut in half but I managed to pay my mortgage on time every month until the long term XXXX just stopped paying me. I had to appeal the XXXX while also waiting for an answer from Social Security. At this point I became two months behind. I was honest enough to call Nationstar right away and tell them what was happening to me. I was eventually turned over to a FORECLOSURE PREVENTION SPECIALIST. How ironic is that title. I won my long term XXXX appeal and have also been approved for social security so I have been able to make XXXX payments, but I am still XXXX behind. I filled out a application to modify my loan on the basis of medical hardship. It was denied pretty quickly. Explanation was I did not qualify ... ..that 's all the " specialist '' could tell me. She did say I could fold in the XXXX late payments to my already {$940.00} a month payment and add extra to it. So I qualify to make extra payments on half of my salary but I do n't qualify to lower my payment. These are crooked people, they do not take your hardship and decrease in salary into account. The problem for me is I am under water, I can not sell my home for what I owe on it, and the payment is too high for my decrease in salary. I need help. But when it comes down to being XXXX, I do not qualify. I have owned my home for nine yrs. They are unwilling to budge because frankly they are making a killing off my payments. I want to add that I asked my " specialist '' if they would consider waiving the penalties and interest and remove the credit ding that this has caused, and that was a also a big NOPE. If I had deliberately caused these things to happen, I would understand. I think this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX has violated my rights. It was first inaccurately reported as a late payment for XX/XX/ and then reported inaccurate information and removed XXXX 's late payment and changed it to XX/XX/ inaccurate information. 

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 a 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 than records of convictions of crimes which antedates the report by more than 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account : Lendmark Financial Services XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.
Product: Mortgage

Shellpoint Mortgage Servicing failed to pay our second half of XXXX ( due XX/XX/XXXX ) or first half of XXXX ( due XX/XX/XXXX XXXX XXXX  DC real property tax bills, despite being obligated to do so and having collected {$12000.00} in our escrow account. On XX/XX/XXXX, the District of Columbia Office of Tax and Revenue sent us a notice of delinquency demanding payment of {$4800.00} by XX/XX/XXXX to avoid a tax sale of our home. 

Immediately upon receiving the DC Tax and Revenue notice, on or about XX/XX/XXXX, we contacted Shellpoint Mortgage Servicing to demand that they pay our outstanding real property tax bills as they were required to do. Shellpoint acknowledged their failure, and admitted that they are, in fact, required to pay our real property taxes. 

Nevertheless, despite the fact that our home is at risk of being sold at a tax sale due to Shellpoint 's failure to pay the tax bills as they are required to do, Shellpoint still has not satisfied our outstanding real property tax bills. 

Shellpoint insists that they paid both our second half of XXXX and first half of XXXX real property bills on XX/XX/XXXX. However, as of today, XX/XX/XXXX, the Washington DC Office of Tax and Revenue still has not received the outstanding payments. 

We have called Shellpoint repeatedly and are always given the same explanation : due to their own error, their internal system did not indicate that they were required to pay our taxes. They insist they have now satisfied our real property tax obligations, but the Washington DC government has not received that payment. We have asked Shellpoint to contact the DC Office of Tax and Revenue directly, and they insist that they are not able to do so. 

We are exceedingly concerned that our home could be sold at a tax sale due to Shellpoint 's recklessness and disregard for their contractual obligations. We have no idea what to do at this point.

Shellpoint has put our livelihood and home, where we live with our two younger children, at risk. Yet they have not even so much as told us they're sorry. They are a horrible company and do not deserve the privilege of operating as a mortgage servicer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

The following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX