23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed up with Caliber Home Loans via a mortgage broker in the State of New Hampshire. During the application process I asked both the mortgage broker and Caliber directly if there were any fees associated with making a payment online. They stated that there were no fees to make a one time or regular payment for my mortgage so long as the payment was made on time and not returned. 

Today, I attempted to make my normal mortgage payment, and I was notified that I would be charged a {$3.00} fee as of XX/XX/2018 for a single payment online. This is an unfair fee that was not disclosed to me in my original mortgage process. I feel that this fee is absolutely unfair to the consumer, and should not be legal without disclosure in order to protect consumers. What is to stop Caliber Home Loans from increasing this fee substantially? I should not be charged to make a simple payment online, especially after confirming that no fees would be applied with my broker and with Caliber Home Loans prior to engaging in the loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX, TransUnion, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

TransUnion has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded.
Product: Debt collection

I am a XXXX-year-old XXXX woman had taken out two loans to pay off medical bills because the state of California refused to give me XXXX during my transition to permanent XXXX. Navient has refused to aid me in anyway other than threatening me, when I didnt have a job for the last eight years they took money out of my Social Security account every month even though I told him I didnt have money to them. They told me that they would sue me, they send me letters every month reminding me theyre taking that money out, when I try to call and get them to help me they wont. There are sharks and they need to be stopped and I refuse to pay them any more money. As Ive already paid the balance of the loan and had no idea of the outrageous loan rates because I was never told about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social number is incorrect on my background check
Product: Checking or savings account

On XX/XX/25, I deposited a check {$500.00} via mobile banking on capital one. I contacted capital one on the check was deposited to see if they would be able to release the deposit or part of the deposit earlier than than the next business day hold. Capital one refused to release the funds earlier. I then requested that they void the deposit, so I could take the check else where and get it cashed. The supervisor stated that he was unable to void the mobile deposit. Please note, that we have been waiting on the check for over a week and needed funds to buy groceries for my family and dog food. I only requested {$150.00} to be released. So capital one is holding the check XXXX now until Tuesday in the meantime I have no funds to feed my family. No suggestion to help me resolve the issue. The only thing they could tell me is that I have to wait until Tuesday to get my money. That is unacceptable! They should have been able to stop the deposit if the check had not been process yet. The check on the app states that it is still pending. Future more, the the check will not be processed until Monday. Again no reason the they could not stop the process. Banks should not be allowed to hold your funds XXXX like this especially if the customer calls in a request that the deposit be voided.
Product: Credit card or prepaid card

CAPITAL ONE BANK USA stated on my credit report that my card is past due 60 days. This is inaccurate and I have proof that I have been making payments. The card just accentually went over it credit limit but I have been paying down on it to bring that limit down.
Product: Mortgage

Initial loan amount XXXX +/-, 11.5 % interest rate, 2nd mortgage, closed in XX/XX/XXXX. Been after Franklin for yrs to help modify the mortgage. I have a mountain of documents, never went anywhere ... .The loan changed hands a few times so dont know the original lender. My letter to the State of Oregon is below.

Dear Staff, Hope this email gets to you. I'm having a difficult time with Franklin Financial in modifying my 2nd mortgage on the Oregon home that I purchased in XXXX. I was in the mortgage business that went south in XXXX to XXXX and lost everything ; given the terms of the BK judgment agreement, had to liquidate any assets I held. After BK, my source of income was SS and a XXXX from XXXX XXXX XXXX. The XXXX XXXX XXXX modified my mortgage but was unable to do so with Franklin. At one point I believed we had a mortgage modification agreement. I dont remember the original lender of my 2nd mortgage that Franklin Financial no owns. The interest rate is 11.5 %, crazy in todays financial world. 
In XXXX I elected to move to FL due to health issues and the wife at the time insisted we move. The mortgage holder for my home in FL modified my mortgage, which is current to this day. Staff, I am XXXX years old and now a single dad and raising my twins that are XXXX years old. The wife had medical issues and left the family in XXXX. 
I dont work as I care for the kids. Im a XXXX XXXX the VA has classified and 80 % disable, I have war related issues ; Im not crazy or violent. 

The home is rented now, and the renter has Covid 19 financial difficulties as the rest of us do. I cant throw him out on the street with a wife and child ( ren ). All I seek is for Franklin Financial, in the spirit of President Obamas Making Home Affordable legislation, to modify my mortgage. 11.5 % interest, even today and back in XXXX is totally unnecessary. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, NJ XXXX Loan No. XXXX Phone for Franklin XXXX Or XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong names and addresses on my account. Account showing closed accounts with balances. Reporting collections with past due balances that are incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to conduct a reasonable investigation into inaccurate items on my credit report, as well as their refusal to address incorrect personal information despite providing the necessary documentation for verification. 

On XX/XX/XXXX, I sent a dispute letter to Experian via XXXX mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In the dispute letter, I requested an investigation into inaccurate items on my credit report and also disputed the incorrect personal information listed therein. Along with the dispute letter, I provided copies of my photo ID, social security card, and a recent bill showing my current address to aid Experian in verifying my identity and address. 

I received a response back from Experian dated XX/XX/XXXX, via email stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite providing all necessary documentation, Experian has failed to conduct a thorough investigation into the disputed items on my credit report. This failure to act in accordance with the Fair Credit Reporting Act constitutes a violation of my consumer rights. 

Furthermore, Experian is obligated to adhere strictly to the provisions outlined in the FCRA to prevent future violations of consumer rights. This entails conducting thorough investigations into disputed items and providing accurate and timely responses to consumer inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being incorrectly reported to belonging to me XXXX/XXXX  {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY
Product: Student loan

In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was contacted by an individual claiming to be fraud prevention for chime on XX/XX/year>. They got access to my account and paid themselves with the funds in my bank account through XXXX. The fraud numbers I was contacted by were XXXX and XXXX both via a phone call. I was also contacted via text message from XXXX. I contacted my local police department about the fraud and spoke with XXXX XXXX of the XXXX XXXX XXXX XXXX, my case number is XXXX. I also submitted a report with the FTC the report number is XXXX. I gave chime all of this information to prove the fraud and they denied my claim saying they never received a written account of what happened from me. I was never asked nor informed to give a written account to them on what happened. I am currently trying to re-dispute the charges and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
Product: Checking or savings account

Truist Bank displays the entire bank account number on all bank statements including the business account that I am accountant for and my personal account that I closed and moved to another institution. I called Truist and reported the issue they have not responded or corrected the issue.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX  Address : XXXX  UT XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX ter Plantation Fl, XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2023 Experian 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 any 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 inform
ation 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 of 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 XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts are as listed below : XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Dear all, I had a very small amount invested at Coinbase. On XXXX XXXX at XXXX XXXX PST, I 've done a withdrawal from my EURO wallet at Coinbase in the amount of XXXX with the reference number XXXX. Coinbase stated that the money would be in my bank account latest by XXXX XXXX. Almost 10 days have passed and the money did n't arrive yet. 

I 've tried to contact Coinbase via mail already two times, but their e-mail support is under heavy workload, means no answer to my case. I also called their hotline twice, and no one picks the phone - even after 30+ minutes waiting time. 

I 'm really lost in terms of what I could do. One person suggested in a Forum to reach you and ask for help on how to proceed. I hope you can give me any indication regarding what I could do to have my money back. 

Many thanks, XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account XXXX - XXXX XXXX Account number - XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LXXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Charged off XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Collection XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$1900.00} Charged off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2700.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7900.00} Collection XXXX XXXX ( Original Creditor : XXXX CITY OF XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Inquiries in Dispute : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX