23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with my 2nd lien holder on a loan modification for almost 2 years - I have sent in over 365 pages of documentation & they continue to give me countless letters over 35 saying " they are working on it '' ... I am now gainfully employed & would love to have a loan modification in place but I cant ever reach the real decsion makers to get it taken care of.
Product: Checking or savings account

Bank of America Closed our account because they said we deposited fraudulent check. We did not. We went to XXXX and got a letter from the bank proving the check was good. When we did, they said the check was cashed. BofA said they did not at first and even if they did they could keep the funds because of fraud.When we went back with proof they said " we do n't want your kind of business and your account is closed and if there are any funds we may mail them back to you. And hung up the phone. I have been disconnected 3 times now trying to find out what is happening. XXXX. This has been going on since XX/XX/XXXX. We asked to file a complaint and was told there was no one to complain to and it was finial. Check amount was for {$1400.00}
Product: Credit reporting or other personal consumer reports

I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. Equifax obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.
Product: Debt collection

I received a call from the collection agency which stated they were a law firm they threatened to garnish my wages and sue me for double the amount plus attorney fees for a debt that is XXXX XXXX XXXX and for a credit card that I currently have that is in good standings. I got scared after they threatened me and set up a payment plan but now knowing that my financial information was found on the dark web this collection may be fraud
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Equifax has neither corrected or remove disputed items despite the evidence I provided cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inactions violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.
Product: Credit card or prepaid card

My credit card was stolen and used to commit fraudulent charges. Chase refuses to return my funds and has held me liable for this fraudulent activity. 

On XX/XX/XXXX my credit card was stolen by an unknown person. That person utilized my credit card to make {$3500.00} worth of charges in XXXX, Texas. These charges ranged from airline tickets to food, beverage, game tickets, and concessions at XXXX XXXX in Texas. During the time that the card was stolen, I found out that I had XXXX which was in XXXX for which I submitted the test result which came on XX/XX/XXXX. I also submitted receipts for things I did while I was here in XXXX while the fraud was taking place in XXXX. I reached out to Chase and let them know about the fraud as soon as I became aware after it took place. When I contracted XXXX, I was pretty ill which caused me to be out of it for a few weeks. I got locked out of my chase account and as soon as I gained access I called them and filed a claim. They denied my claim twice basically saying that I had conducted the transactions because there was an airline ticket associated. There are quite a few holes in the transactions : 1. The person checked into a XXXX without utilizing my XXXX profile as an elite gold member. The person paid {$780.00} for a suite when with my profile, they could've paid half of that and been upgraded into the suite . The hotel has no evidence that I was there nor could they confirm utilizing my id that I had checked into that hotel. They refused to get involved or provide any documentation. They did confirm that the reservation did not contain my XXXX XXXX profile though. I also received no points for this stay which I did not book. 
2. I work at an airline, we have reciprocal agreements with other airlines that give us steep discounts for flights. If I was going to XXXX, I could have used what we refer to as XXXX passes and I could've flown for not even a fraction of that ticket cost. 
3. The names on these tickets do not match I or my family 's names. I have a family of six which would require six tickets, not 3.

4.The tickets were not checked in on prior to security ( lobby ), these tickets were checked in on at the gate counter just before the flight departed.

5. The tickets do not contain any of my Known Traveler ( KTN ) information which are stored with the airlines. 
6.The tickets did not utilize my AAdvantage loyalty status XXXX. While this fraud took place, I was staying in XXXX XXXX, XXXX  at an airbnb to distance myself from the family so they would not catch it. I have provided this receipt as well. 
8. I have made a police report with the XXXX Police Department with report # XXXX I reached out to the XXXX police department, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX to verify the facts that show that I couldn't have been in XXXX at the time. Chase refuses to review my case and has elected to hold me accountable for charges that I did not make nor was I at all aware of. I have passed them all of the facts and I have tried to speak to management but they do not route my call or provide a call back.
Product: Debt collection

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 atte
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment reported on my credit report related to my XXXX loan account number XXXX. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer.
Product: Student loan

I had three private student loans with Naivent and applied for their school misconduct application. I put in my application letter that I should have the total paid principal and interest returned to me if approved. I have been approved for the application but they made no mention of reimbursement. I demand that Navient return those funds to me due to school misconduct and their misconduct.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and also causing me to have high interest rates.
Product: Checking or savings account

On XX/XX/XXXX {$39.00} was stolen from my account. After contacting cash app to dispute the charge, they gave me no resolution for my dispute and denied my claim on numerous occasions and XXXX  XXXX  was of no help to resolve my complaint. After all my efforts to get my money back I cashed out my money and still had fraudulent charges coming in trying to steal from the account. With no intentions of cash app satisfying my claim, I borrowed money from cash app and have no intentions of paying them back nor using their platform ever again. Now, with the {$100.00} Ive borrowed, cash app keeps harassing me with {$1.00} daily interest charge that they will never get, where I want to stop all communications with the company and to never do business with them again.
Product: Mortgage

I obtained a mortgage in early XX/XX/2019 through XXXX XXXX XXXX XXXX, XXXX. I mailed in my first mortgage payment in late XXXX. On XX/XX/2019, I called XXXX XXXX to confirm they had received my check.They had not. On XX/XX/2019, I drove to XXXX XXXX 's physical location to drop off a physical check to ensure that I was not late for my first mortgage payment. To further ensure I would not be late, I dropped off checks dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, which according to the receptionist was acceptable. Each and every payment amount in this situation is for {$1700.00}. 

Specialized Loan Servicing ( " SLS '' ), serviced by XXXX XXXX , XXXX, assumed my mortgage on XX/XX/2019. They applied the XX/XX/XXXX payment to my account, as well as some left over funds from escrow. I woke up on XX/XX/XXXX to discover that SLS had cashed the XX/XX/2019 check. I quickly set up an account on the SLS website to discover that it had not yet been applied to my account. I called SLS and voiced my concerns and they told me that sometimes it takes a few days for the payment to process. 

Checks XX/XX/2019 and XX/XX/2019 were returned to the address on the check with a note saying they did not accept post-dated checks. 

I checked the SLS website again on XX/XX/2019 and saw that it still had not been applied. 

When I checked the website on XX/XX/2019 and saw that it still had not been applied I called and provided proof that the payment had been withdrawn from my account via bank statement stating that SLS had converted my physical check into an electronic check and then cashed it. SLS opened a research ticket into this matter on XX/XX/XXXX. 

I called back on or around XX/XX/2019 to inquire about the status of the research ticket. I was informed that these matters take awhile and that I should permit about 10 business days from the opening of a research ticket. 

Today, XX/XX/2019, I called to check up on the status of the research ticket. My complaint was dismissed the previous week as resolved because the researcher thought the issue dealt with the returned checks. Not only was the researcher blatantly wrong, I was never notified of the decision. I spent 30 minutes on the phone describing the situation exactly. SLS opened another research ticket and I was told to expect a resolution within 30 days. 

I do not trust SLS to understand this situation, nor to resolve this matter as desired. I further fully expect to have fines applied to my account for late payments because I will not send money to SLS because I do not trust them to actually apply it to my account.
Product: Student loan

XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX- XXXX , being mostly funded by Sallie Mae . XXXX- Sallie Mae denied by request for the XXXX year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. XXXX The school lost its accreditation status. Being an art school most classes will not transfer. I reached out to Sallie Mae repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did. On XX/XX/XXXX I officially withdrew from the school due to major lack of credit transfer options. I am in the process of getting my federal loans cancelled as the school closed, and working on joining a class action suit regarding the deceptive practices of the school. I have no degree from the school, no job to make SallieMae payments and want SallieMae to do the right thing and forgive the loans like the federal ones will be forgiven.
Product: Payday loan, title loan, or personal loan

I paid my loan off with them in XX/XX/2020. In full. I am still receiving emails from them stating my payments are over due. The account still shows {$21.00} is owed on my credit report even though they have said over the phone it has been paid off. They told me it was a glitch in their system and everytime I call I am told it will be fixed within the next week. Now we are in XX/XX/XXXX and it still has not been fixed. My husband and I are trying to get a home and its affecting my approval rates with it still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.
Product: Student loan

XXXX has called me several times over the years regarding a student loan ; initially I thought the loan was mine. As of late I am questioning the validity and merit of this loan as me being the true applicant. I am unable to speak about the loan with customer service because 1. The date of birth associated with the account is not MY date of birth, so I can never get passed their security questions. 

2. They asked me to send a photo ID showing my date of birth, which I did XXXX XXXX/XXXX/XXXX ) and they STILL refuse to speak with me about the loan. The date of birth on my drivers license is not the date of birth on their account. 

I do not believe this is my loan and have filed a complaint with credit bureau as well but have not been able to get any closure due to the fact that I do not know the persons date of birth on this loan. Please advise. Thank you kindly.
Product: Student loan

Back in XXXX I called XXXX to request a refund for the payments I made during the pandemic period as allowed by the cares act. In XXXX they said my refund was above and that the funds to be refunded were transfered over to Mohela since they were the new servicer for my loan. I called Mohela and they couldn't confirm this info and said I would have to wait. Since then there's been no updates and I still haven't received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My credit score went down because XXXXXXXX XXXX challenged something on my credit report for a reason I thought was legit. They challenged that I never made late payments to my auto loan and the challenge failed. I don't know what type of installment I am in with the auto loan but when they challenged the loan it affected my credit. I didn't know my credit score would go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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: Vehicle loan or lease

I was paying my payments for the car at first for the first four months until I was fired from my job due to me being in the wrong place at the wrong time. I struggled all year to find a job while XXXX my grandmother due to XXXX XXXX, and I tried to reach out to Westlake Financial for some sort of help on lighting my monthly payments. I did not get in contact with Westlake and nor did they seem like they would be interest in helping me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.