23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unable to file an appeal.
Product: Credit reporting

SInce XXXX i notice a few inquiries on my Credit report that i never authorize I have been calling Transunon and XXXX since than and sometimes they told me yes they will be deleted and after 30 days they are still there i called them again and they keep saying they will not delete them and they refuse to update my mailing address even after i send them fax and certified letters regarding addresses and inquiries i never Authorize in the first place. Both Companies refuse to corporate
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I reached a settlement with Convergent Outsourcing ( Account Number XXXX ) where I " legally paid in full for less than the full balance '' an old account ( Original Debtor was XXXX  XXXX XXXX XXXX Since that time, Convergent Outsourcing has failed to change the status of the account and it is still reflecting as an account in collections on my reports with the credit bureaus. The amount I paid when settled was {$1600.00} and it was drafted from my checking account on XX/XX/2021. 

I have contacted Convergent Outsourcing multiple times requesting deletion of the reporting and a deletion letter, but all they have done is mail me a receipt of payment and tell me to contact the credit bureaus. I am applying for a home loan and this false reporting which they are not doing anything about is negatively impacting my ability to get a reasonable mortgage rate. 

Debt Collector Info : Convergent Outsourcing XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX or XXXX XXXX XXXX : XXXX XXXX
Product: Checking or savings account

Hi, I was a XXXX ( XXXX XXXX XXXX XXXX ) student in XXXX ( Maryland XXXX XXXX XXXX XXXX ) from XXXX. I left the USA in XX/XX/2015. I left some deposit ( {$1500.00} ) in my BOA checking account, assuming I was going there someday, but now I would like to transfer the amount and close the account. However, now I try to log in, I am getting blocked from accessing the account due to lack of my personal information. But now that I live in XXXX XXXX, It is impossible to visit the branch. 
I made a phone calls a lot of times ; they did try to help me, but their respond is always the same " lack of information ''. BOA did not request any personal information in the process. 
I can provide the all the information that the owner of the account is myself ( SSN, account #, Name, passport that I used when opening an account, etc ).
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX XXXX XXXX XXXX adress XXXX XXXX XXXX XXXX ny XXXX 2 years ago I opened an account with the robin hood application. For several times my shares were increasing the figure, one morning in XXXX of the year 2021 8 month ago I got up when I opened my Robin Hood account I observed that I have XXXX extra dollars in my account, actually I thought that my shares had increased the value of the cost, because not having much experience with the application, I never looked at where that money could have come from, being in my account I get XXXX dollars the same day hours later I receive an email saying that my account is deactivated because a The deposit was put in my account with the name of another person which I don't really know what happened, then robin hood asks me for information about me such as my social, state id, selfie of my self, etc. I send him all the documents they asked for after being sent All the required documents tell me that my account will be closed by law of the robin hood corporation.. I accept that they close it with the reason that they deserve my money which I had earned more than XXXX dollars. Today I still wait for my deposit which I lost several thousand dollars, my current amount right now is XXXX dollars and I lost XXXX dollars because they do not want to return the money. for the last 2 months and received several emails from robin hood where they say that my money will be deposited in 3-5 business days which has passed several weeks and they do not deposit me they are playing with my winnings and my feelings.. I have all the necessary proof to show that robin hood is playing with me i with my winnings...
Product: Student loan

Recently received an email from my federal student loan servicer Navient, which is intended to exploit students in repayment who may not be aware that federal student loans are in a temporary 0 % federal forbearance period already. The email is intended to look like it is offering students information that may help them by responding yes to the email, but then if you scroll down in the page it goes on to read that by replying yes, you are agreeing to applying for forbearance and that you will be responsible for accruing interest, plus a list of other terms and agreements that you are agreeing to. 
This is a predatory practice because all federal student loans are already temporarily in a government mandated Forbearance, and in a 0 % interest period due to the pandemic. It is highly unethical to change students over to forbearance for financial hardship -of which you are only permitted to use for a total of three years during the lifetime of your loan repayment under normal circumstances, when the federal government has automatically put loans into this state which will not be subject to the same limitations. They are basically tricking students into waving their current rights and status, for a less desirable option which will limit their ability to claim forebearance in the future, and disguising it as help. This is only helping Navient, who will be able to limit the amount of time those students can claim forebearance for financial hardship in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached notarized Affidavit of Truth informing Transunion of my intent to sue due to negligence, statutory, and punitive damages. I have been trying to remedy this account for over 9 months. Attached is the credit report showing the inconsistent data. I have all dispute letters, cfpb complaints, and documentation for my case. I also sent in proof that the account was never late which I will have readily available for court. I was denied credit due to this faulty reporting and I can legally seek statutory damages up to {$1000.00}. XXXX lowered my credit limit due to your inaccurate reporting which I can prove as well. If the late payment is not removed from account XXXX XXXX XXXX, I will move forward with filing a statement of claim in my state.
Product: Credit reporting or other personal consumer reports

I am requesting my credit file. I am not requesting my credit report. I want the entire CREDIT FILE. I have attached the required docs.
Product: Credit card

Dear Sir, I hope this letter finds you well. My name is XXXX XXXX XXXX. I am writing to file a formal complaint against Citibank regarding their decision to deny my application for a replacement credit card. I believe that the denial was based on discriminatory factors, and I am seeking your assistance in addressing this matter. 

On XX/XX/2023, I contacted Citibank to report the loss of my Citibank credit card and to request a replacement card. A XXXX  of days later, I inquired about the status of my replacement card application, and I was informed by XXXX XXXX XXXX XXXX that Citibank had decided not to issue me a new card. Instead, I was advised to reapply for a new XXXX  card, which would require submitting updated financial information. The customer service representative mentioned that they would be sending me a letter formally notifying me of the card denial. 

I believe that the denial was unjust and discriminatory, as I have had a longstanding relationship with Citibank and have maintained a positive credit history with them. The decision to deny me a new card without reasonable cause and the request for updated financial information feel XXXX  and XXXX. 

I XXXX  reaching out to your office to request an investigation into this matter to determine whether Citibank has violated any consumer protection laws or engaged in discriminatory practices. I believe that every individual should be treated fairly and without discrimination when applying for credit. 

Please let me know if you require any additional information or documentation to proceed with this investigation. I appreciate your prompt attention to this matter and your dedication to protecting consumers ' rights. 

Thank you for your assistance, and I look forward to a resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX
Product: Money transfer, virtual currency, or money service

I paid someone to complete a work of art and they did not deliver then deleted their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.
Product: Checking or savings account

Complaint about timely CD renewal due to Wells Fargo ( WF ) inefficiencies. Its costly to me both in interest income and penalties should I go through the renewal process. Branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. 

An appointment was made to meet with XXXX on XXXX at XXXX XXXX I arrived timely. The only employee I visibly saw during my estimated wait of about 30 minutes was a single XXXX. Having wondered if I had the wrong day, I left. Arriving home, I checked voicemail and had a msg from XXXX at XXXX stating she had seen me but didnt see me when she was finally freed-up. I made numerous calls to her # to reschedule as follows ; ( 4 times on the XXXX ) XXXX, XXXX, XXXX, XXXX. Two times on XXXX at XXXX, XXXX and once on XXXX at XXXX. Additionally, I called the branch # on XXXX, 3 times at XXXX, XXXX and XXXX, and once on XXXX at XXXX. Every phone call resulted in the same automated message ; Branch employees are currently assisting other customers. '' As phone calls were never answered, I finally figured out to go online & obtain an appointment - I did, for XX/XX/XXXX at XXXX. I arrived timely. After about 20 minutes, I had a brief conversation with an employee and complained about the phone system and not being able to make contact. He responded many customers have complained about not being able to speak to, or leave a message. Turned out he was recently promoted to the XXXX  XXXX. He said the branch was and is still short-staffed with XXXX. A couple months ago they only had one XXXX. Four are specified. Additionally, I learned there is bank-wide shortage of XXXX XXXX causing long and delayed customer wait times. 

After a 45-minute wait & XXXX still tied up, he assigned me to a pleasant associate banker, XXXX XXXX XXXX Having understood my situation she called a corporate number, told them I was a long time and good customer, and attempted obtain approval to renew the CD as initially planned. She was told NO, to either leave it as is, or I could cancel it and pay a cancellation penalty, loose any interest, then open a new CD. At age XXXX, a widower & on fixed income, every dollar is important. Their failure is my loss & their financial gain. I want the CD backdated to the initial renewal date forgoing their penalty. 

Im well aware of the numerous criminal and civil investigations WF has incurred in the past 4 years, including the recent one a few months ago. Mine may be insignificant but I shouldnt pay for their inefficiencies. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are Unauthorized I dont recognize them and they are affected my score
Product: Debt collection

I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.

OnXX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXXI received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX   stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased a {$400.00} AMEX gift card from XXXX XXXX XXXX to utilize while on vacation. This card has declined at over XXXX different merchants, in person, over the phone and online retailers. Ive made several calls to AMEX Customer Service to receive no other answer than it is for the safety and security of the funds. I believe this is too secure if I cant access ANY of the funds EVER. So there is {$400.00} on this card that is not available for use. I would like refunded
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 
Please note that I am submitting this letter on my own behalf and not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for consumer reports.

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be considered the result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take the appropriate action to resolve these discrepancies as soon as possible.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a issue with Experian and XXXX credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
Experian and XXXX is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from Experian.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received email notifications from both XXXX and XXXX that a credit inquiry by Capital One hit my credit report. I immediatly contacted the Capital One application department. They verified that a credit application was received on XX/XX/2024 using my SSN for a Quicksilver card. I confirmed I did NOT submit this. The Capital One App department flagged the application as " fraud '' and their Fraud Dept will cancel the application within 3 business days. They also stated the application inquiry will drop off my credit history within 60-days. Finally, they suggested I contact one of the credit bureaus to place a victim statement on my credit report. 
I contacted XXXX. They verified I have a " lock '' on my credit and they also added a " fraud alert '' notification that is good for one year. This will also be shared with the other credit monitoring agencies within 24 hours. 
I am submitted this report to get in on record with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019. I called Equifax to make credit disputes. Because I could not login to my account. They said I could not log into my account because theyre having verification issues so they escalated my account into investigation. I asked to speak with the supervisor. She said that they are having technical issues. And that I can not access my account for an indefinite amount of time. She said there is no time frame for me having accessing to my account. Her name was XXXX. Anyway. Earlier today I even tried to reset my password and successfully did so. But was still unable to log in. Equifax is violating section 609. I am unable to see and verify my credit report. Nor can I properly dispute because I have no access to a report. I would like access to my account and my incorrect reported information fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Including documents from XXXX XXXX and correspondence detailing abuses.
Product: Mortgage

FORCED INSURANCE POLICIES BY SERVICING COMPANY : Began XXXX Mr. Cooper was XXXX mortgage company for many years, recently I refinanced with them, then they sold my loan to XXXX XXXX  and became the servicing company for my loan. I have the same insurance policies that I have had since I bought my townhouse within an HOA. A HOA Master policy for Hazard, Wind and Flood which cover the structures envelope, sheetrock out, of which the State of Florida requires an appraisal to maintain replacement coverage. In addition, I have a hazard/Wind XXXX dwelling and XXXX policy in my name for coverage from the sheetrock in ( furniture, drapes, fixtures, flooring and my personal contents ). Since Mr. Cooper has become XXXX XXXX XXXX and are selling insurance now, they have forced XXXX policies on me and increased my escrow and payment. I have uploaded policies to my loan portal, emailed current HOA Master policies to the email account at Mr. Cooper. I have spoken with XXXX representatives, none of which understand insurance dwelling forms and what each type of policy coverage they represent. I called again, XXXX after receiving XXXX more letters stating I had to increase my limits on my XXXX hazard/Wind policy to the full amount of the loan to cover the structure and my Flood/Contents policy also to the full amount of the loan. I asked to speak to someone who is knowledgeable regarding insurance and the provided coverages and they have told me there isn't anyone. I can not seem to get it across that I am fully covered between the XXXX policies and the XXXX XXXX policies for my contents.
Product: Money transfer, virtual currency, or money service

I have not used moneygram to send money abroad since XXXX  when this apparent problem arose. However, upon attempting to send money to a friend in XXXX XXXX XXXX the Moneygram service denied me again XXXX years later, tonight XXXX XXXX. I continued to ask for specifics of what violations I had engaged in but Moneygram is not willing to provide me any information but simply to deny me access. The person is in need of the small amount I was sending, {$50.00}, yet Moneygram is blocking and preventing me from utilizing their service to send the money. They assume a posture of the alleged subject of sinister acts being guilty without a willingness to explain to them, me, as to what is the basis for the allegations and the action to deny me access to send money. Their arrogance and virtual ambivalence towards my request to articulate what I have allegedly done wrong appears to be simply callously dismissed. This conduct of Moneygram agents and managers has caused me to experience significant trauma and mental anguish unnecessarily behind some false, yet unknown allegation against me.