23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loans through XXXX and Navient are out of control and no one can help me. When I call for help I just get transferred from place to place with no resolution. When I call Navient they tell me collection agency XXXX XXXX has my account I call them and they say they do n't have it navient swears they do. I found it with an attorneys office. I had worked out a payment plan with a collection agency that called me in XXXX 2015 of {$1000.00} down {$250.00} for life and interest rate reduction of XXXX percent for life. I called to find why my first payment did n't come out they said Navient took account back saying I did n't pay on it my payment was not due for 2 days so they took it back before my first payment came out. Now they are saying no payment arrangments are available. I want the payment plan I agreed to and was offered. I originally borrowed {$120000.00} between the XXXX lenders and with interest that amount has grown to nearly {$300000.00} more than my house is worth just in interest charges.
Product: Mortgage

This property has sat unoccupied and without maintenance by the Owner/Property Manager for over two years. The Association has had to take over landscape maintenance and spend countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a staggering dollar amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have also stated that the lack of upkeep of this property has negatively impacted the value of their property.
Product: Credit reporting or other personal consumer reports

I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.
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. 


XXXX XXXX XXXX : # XXXX XXXX  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 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 or other personal consumer reports

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct information.
Product: Mortgage

Beginning in mid XX/XX/XXXX I attempted to contact Rushmore Loan Management Services several times about extending the XX/XX/XXXX option I have on my mortgage. My original mortgage & note from XXXX XXXX XXXX was acquired and the servicing rights went to Rushmore. I have the option to extend that XX/XX/XXXX another 5 years at current rates. 

During XXXX I called Rushmore seven times and no one understood the option I have. Four of my calls were transferred to either their Loss Mitigation team and all of the calls were " dropped '' before anyone picked up. All in I spent well over five hours on calls or on hold with no service being executed. 

During XXXX I made several more attempts. On most of these calls I was unable to speak to anyone that any idea of how to help. On three of the XXXX calls I asked and even demanded at times that I be allowed to speak to a supervisor or someone at the SVP level. On two of the calls I was told by the " off shore '' employees that they had no access to supervisor or upper level management personnel names and if they did they were not permitted to give that information out. 

The later part of XXXX I spoke to an employee who promised me they would pass my information to the department that handled modification extensions and that I would hear back within 72 hours. Nothing!!. No call, no email etc. 

On XX/XX/XXXX I received an Early Notice of Loan Maturity / Early Notice of Balloon Payment Due 180 day letter as required by regulation. The letter instructs to call the Home Retention Department at XXXX for possible option if one can not pay the balloon when due ( XX/XX/XXXX ). I called the number and was told Rushmore does not have a Home Retention Department. I was transferred and again the call was dropped after being on hold for a long time. 
I called back on XX/XX/XXXX and reached XXXX, employee # XXXX. I fully explained for the 15th time why I was calling and what was needed. XXXX promised she would deliver my information to another department and that I would hear back within 72 hours. The 72 hours was up at XXXX EST on XX/XX/XXXX. Again, I have heard nothing. 
At this time I am asking that Rushmore reduce my mortgage obligation to zero within the next 10 business days and send me confirmation that I owe nothing. They have caused undue anguish and severely impacted my ability to conduct proper financial planning.

Additionally, during one of the first calls in XXXX Rushmore referred me to XXXX XXXX to refinance. I thought Id take a look at that option too given the current market yields. XXXX XXXX  personnel never followed up either after the first email I received from them.
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account since XXXX 

Recently, I attempted to log in to my account and got locked out. 

I followed the required steps in order to have Coinbase verify my identity. 24 hours later, my identity was verified my email. The next required step is 2 Factor authentication. However, each and every time the numbers were generated, they were deemed " incorrect code ''. 

The frustration is that there is no simply way for me to proceed any further. 

In spite of the fact that I repeated this entire process several more times and I reset my password I can not get beyond the 2 Factor identification snafu which prevents me from being able to log in to my account. More frustrating is the fact that there is no one to contact by email or phone. 
I have attached an email example of the auto-generated response to my email requesting help. There has never been a case number assigned to my concerns and yet they deem that it has been closed. 

I am literally stuck in the loop.
Product: Debt collection

I have submitted numerous notices to this organization requesting to see proof I opened this account or entered into this contract. They respond with recent payments, purchases, and balances that are not mine. 

I did not open this account nor contracted with this organization in any way. Yet they have extremely sensitive personal information of mine that I did not authorize them to attain. 

I do not recognize any of the purchases, payments or any statement information they provide. They claim I signed up for their credit card online, where I did not such thing as I have not had a credit card for 3 years now. 

This debt they claim is mine is not mine and they have yet to prove to the contrary, harassing me with notices irrelevant to me. 

This account/contract is void ab initio and must be cleared from my record immediately, and all my personal sensitive information must be removed from their database immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX committed fraud by reporting late payments to my Transunion credit report. I never made a late payment. I paid with a money order, I never received a notice that my payment was dishonored. I spoke with a XXXX XXXX representative yesterday, and she agreed to discharge the remaining balance and close the account. XXXX XXXX violated my rights under the FCRA by reporting this derogatory false information to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent inquiries listed on my credit report. As a victim of a data breach, I did not authorize the inquiries detailed below. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these inquiries be investigated and removed from my credit file immediately. 
Fraudulent 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
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Checking or savings account

ATTENTION CFPB THIS A NEW ACCOUNT AND A NEW COMPLAINT DO NOT CATEGORIZE THIS AS A SAME COMPLAINT TYPE SEND THIS TO JPMORGAN CHASE BANK I have reported fraud to Jpmorgan chase bank since XX/XX/XXXX I just got a copy of my XXXX credit report WITH A NEW REPORTED JPMCB ACCOUNT where there is a documented account as follows JPMCB ACCOUNT # XXXX I have over 1 million dollars PLUS INTEREST DUE ..that as I have reported in XX/XX/XXXXand to the present day via fax certified mail EMAILS PHONE CALLS and in person etc to Jpmorgan chase bank/ XXXX XXXX /XXXX XXXX And I finally found a account that is probably linked to my identity thieves AND MY LIFE SAVINGS AND OTHER MONIES since XX/XX/XXXX. I request all documents Related to this account asap from JPMORGAN CHASE BANK sent to me via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus
Product: Credit reporting or other personal consumer reports

I requested debt validation XX/XX/XXXX I received a copy of a bill dated XX/XX/XXXX  which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX hospital for a XXXX XXXX, within XXXX mins of getting to the room in the ER, the hospital admin comes around to collect insurance info. which I happily gave. The ENTIRE visit was covered under my insurance EXCEPT for some reason the XXXX XXXX Cat scan ( which is covered under my insurance ) I guess they were just too lazy to run the insurance. ever since then I have fought this in EVERY way possible, disputed it with XXXX XXXX directly, then their collection agency Eastern accounts, I have disputed it with ALL 3 credit bureaus .... Shown proof that 1. That entire hospital visit was covered OTHER then this 2. My insurance was 100 % active and 3. My insurance covers 100 % of radiology.. no one cares, they just want to get money from hard working people.

Then to add insult to injury when you call and dispute it directly they ask for " information '' about you pretending to help THEN on the next dispute the info you gave them shows up proving its your debt!!!! underhanded
Product: Mortgage

On XX/XX/XXXX I bought my house and my mortgage service was XXXX XXXX XXXX. My first payment was scheduled for XXXX and I sent check # XXXX on XX/XX/XXXX that was cashed on XX/XX/XXXX. For my XXXX payment I sent check # XXXX on XX/XX/XXXX and it was cashed on XX/XX/XXXX. In the month of XXXX I received a letter about the transfer of my service to Roundpoint Mortgage Servicing Corporation and that the XXXX payment had to be made with the new company. On XX/XX/XXXX I made my payment online for the month of XXXX but on Monday XX/XX/XXXX I couldnt make my online payment for XXXX since the reflected amount was {$2400.00}. I immediately called them and they told me to send proof of all my payments made so far to XXXX and that he will take my payment by phone for the month of XXXX as the investigation begins. It is from this day that my nightmare begins, they say they only received one payment from XXXX XXXX XXXX. Since then I have been communicating with the 2 companies, without any specific response. 
I kept communicating and Roundpoint always told me to wait until XX/XX/XXXX for an answer. On Saturday, XX/XX/XXXX, I called and nothing, then I called again on Monday, XX/XX/XXXX and they told me to wait 48 hours that they were going to communicate with me, then I called yesterday, Wednesday, XX/XX/XXXX since they had not contacted me and I asked to speak with a supervisor and he told me that wait 2 more weeks and I asked him if I could make the XXXX payment by phone since online it says that it is for XXXX and he said that this money will be for the month of XXXX that if everything is resolved they will credit this money for XXXX payment. 
They are not taking this situation seriously and they are accusing me that I did not make the payment of my house for the month of XXXX, that it is lost, that I say I paid but they dont know where that money is, so they want to steal my money. 
I am making this complaint because the treatment they have given me has been lousy and I have already sent them proof of my payments and when the money has been collected and nothing.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

in 2008 my wife inquired to bank of america for a equity line of credit. I was not present at the time of the transaction but I did come in to sign the paperwork. I believed my wife so I signed the paper so as time went by we stayed current then XXXX we fell we were mislead and under informed about the true nature of this loan and its structure of double intrest.Thank you for your time and consideration of our matter based on the market. We contacted the bank to see if we could come to a better resolution .We sent taxes form everything they asked for and were denied at every attempt they would do nothing. So I am writing you for help we paid interest for the first part of the received a letter saying our payment would increase from {$360.00} to $ XXXX the time of the transaction the loan officer explained to my wife that there would be a slight increase loan now the payment as increased and there 's interest on that payment as well. I
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and disputed the accounts. The paperwork has not been attached to my disputes and the correct verification process has not been done correctly.
Product: Checking or savings account

Chase Bank close my account sometimes between XXXX and XXXX. I never got the reason ( s ) why. I'm now wanting to be compensated for failing to contact me. I also wasn't able to have access to any account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for Trans union They gave me an attitude about speak with there manager. 

XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX # XX/XX/XXXX