23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the debt off in full to XXXX and I have not received an update to the three credit reporting bureaus that this has been paid in full. When I requested it from the company, I was told it would be reflected and resolved by now in my XXXX XXXX, XXXX, and XXXX credit reporting. It has not been fully resolved, though they have my account reflecting paid in full on their website.
Product: Student loan

XX/XX/XXXX : Submitted XXXX for work from XXXX XXXX ( XXXX ) to XXXX  XXXX ( employer is out of business ) XX/XX/XXXX : Called XXXX to check on status, they said it was denied because I didn't submit W2s ( there were no instructions to do this ). I submitted W2s. 
XX/XX/XXXX : Called again to check on status, they said employer was rejected as not qualifying, but they looked it up and said it was a mistake. They submitted for re-review and said my loans would not move to MOHELA until this was settled. 
XX/XX/XXXX : All loans were transferred to MOHELA. I uploaded XXXX XXXX XXXX and XXXX to MOHELA. 3 months later this was marked as " duplicate '' form. 
XX/XX/XXXX : Re-submitted W2s and XXXX. 
XX/XX/XXXX : Called MOHELA. They said I needed to submit proof of 501 ( 3 ) c status. Submitted. 
XX/XX/XXXX : Was told that employer was approved ( it was now listed under employment periods ) and payment count ( 25 additional payments ) would be updated soon. Re-work was submitted. 
XX/XX/XXXX : Was told that prior person submitted the wrong form. Worker submitted " data feed '' document to request update. Should receive update in 3-5 days. 
XX/XX/XXXX : Agent submitted another re-work when count didn't update, said it should update in 90 days. 
XX/XX/XXXX : MOHELA said still pending XX/XX/XXXX : MOHELA not sure why it's not updating. Submitted another re-work of application. Said 30-60 days. 
XX/XX/XXXX : Agent said she thought it might be a signature issue where the form was electronically signed and should be a wet signature. But now they are accepted. 
XX/XX/XXXX : Status changed to " processed '' but no update on count. Called MOHELA who said it was denied again but couldn't tell me why.
Product: Checking or savings account

I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this
Product: Checking or savings account

I issued a check to a recipient in XXXX of XXXX. The recipient deposited the check on XX/XX/XXXX and then again on XX/XX/XXXX. I opened a claim with my bank since the check we issued, check # XXXX, was deposited twice. The bank gave us bank the funds but then took it back within 30 days. The bank claims that the check is two separate checks. The images that are available are of the same exact check that the recipient deposited. Even the agent on the phone was confused as to why the claim was denied as it's clear it's the same exact check. I've gotten nowhere with Chase and I've spent 3 months trying to get my money back, which is {$1100.00}. The bank is not helpful and is trying to steal my money.
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 XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF EDXXXX. Account # XXXX balance XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$1700.00} Account Name : DEPT OF EDXXXX. Account # XXXX {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Account # XXXX Account Name : CAPITAL XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

visited a Chase branch to exchange {$10.00} in bills for a roll of quarters. was asked it I was a Chase customer and when I said no, they refused to provided that service. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. NAVIENT XXXX BAL . {$15000.00} and NAVIENT XXXX BAL : {$3300.00} On all 3 credit bureaus.

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Product: Credit reporting or other personal consumer reports

I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the XXXX following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my Wells Fargo back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/EXPRESS Account Number : XXXX This is not mine.
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 XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

Our mortgage was originally held by XXXX XXXX  XXXX, but it sold the mortgage a few years ago to Nationstar Mortgage, now known as " Mr . Cooper. '' We are in the process of prepaying our mortgage down to XXXX. On XX/XX/XXXX, we sent a payment of {$42000.00} to Nationstar, which it accepted and applied to reduce our balance ( according to them ) to {$890.00}. A week later, on XX/XX/XXXX, we sent a payment of {$890.00}, which we calculated as the sum of the balance shown by Nationstar on XX/XX/XXXX plus a week 's worth of interest. Ever since, Nationstar has held that {$890.00} payment as unapplied funds, until today when it returned the payment to XXXX XXXX XXXX and it was restored to our checking account. The only explanation we have received from Nationstar is that the payment is insufficient to pay off the mortgage, but they have failed to tell us why. We have asked for an explanation and told Nationstar that if there are processing fees that they wish to charge us that they need to itemize and explain them to us for our consideration. Nationstar has ignored our request to do so. In the meantime, Nationstar shows on its website that we still owe a monthly payment of {$390.00} due on XX/XX/XXXX, which according to them makes us delinquent.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Formal Complaint Against XXXX XXXX XXXX, XXXX, Experian XXXX XXXX for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXXXXXX XXXX  for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXX XXXX XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXXXXXX XXXX XXXX disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of 1974. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is with mr. Cooper. I was in covid-19 forbearance protection last year I was coming out of it at the end of XXXX of last year. The option I picked was I can resume making monthly payments just I can't afford my old payment of XXXX a month. With having FHA they were supposed to come back with a XXXX recovery modification with 25 % less payment and a lower interest rate to lower my monthly payment. It was supposed to be finalized for XXXX when I want to make my XXXX payment they told me to hold off until XXXX it will be finalized then I sent back numerous low modification packets they kept being sent back for the same reason because of notarization which was correct they accepted one of the previous ones if they sent me XXXX out and didn't bother to tell me. So anyway it was finalized for XXXX I made my mortgage first payment which was actually the incorrect monthly payment so then the payment came down a little bit for the XXXX payment before I could pay the XXXX payment the whole loan modification became undone after was finalized I've been in contact with them numerous times since XXXX had an expedited over XXXX times and still nothing no answer they said it became undone due to possible monies being d u e. But that is incorrect because with a covid-19 recovery modification there is no 90-day trial. Also they approve me for a disaster modification which that is not what I wanted I was supposed to be approved for a covid-19 loan modification. I made marches payment like I said before I also made them take XXXX and XXXX 's payment so I wouldn't know a bunch of money just in case and I told them I want them credit it XXXX XXXX XXXX to the new loan modification and not to the old balance I have asked them repeatedly to push this through since I was already finalized with all the correct numbers which should be 25 % less and a lower interest rate to make my payment lower than XXXX a month and also have the correct escrow numbers in there
Product: Credit card

Since XXXX/XXXX/2016 we have received XXXX invoices, # XXXX, # XXXX and # XXXX, all with order # XXXX, totaling {$3300.00}. The first XXXX invoices were charged to our other XXXX Chase credit card, Totaling {$2000.00}. That has been closed. Neither I nor anyone applied, requested or authorized charges with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card was in her possession at all times, these charges were made. We called XXXX and XXXX numerous times since XXXX/XXXX/2016. They will not give us their name. We are told someone will call back in 20 minuets and the call is disconnected. No one returns our calls. They will put us on hold with clicking on the line and men laughing, then the call is disconnected. I gave them the invoice # XXXX, they gave me a different Company Name, not either XXXX of our business names. Today I gave them the invoice number and the call was disconnected. I call the XXXX number and no XXXX answers, like they blocked my number. I ca n't believe we are the only people getting scammed. My husband is a XXXX, he is paid {$13.00}. a head and pays 30 % of that for his space rental. He does n't use a computer at the XXXX. He writes all the record keeping down. We do n't even use XXXX on our XXXX. If we need to back something up on a computer, we use a thumb drive. My husband is retired XXXX XXXX and a XXXX XXXX. XXXX scammed both our business '. They charged the XXXX invoices on XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Credit card. The invoices ' all have XXXX XXXX XXXX, XXXX, under the XXXX, started business on XXXX/XXXX/2016. Thank you for your assistance in this matter!
Product: Credit reporting

XXXX was an account I included in my chapter XXXX bankruptcy that was discharged. On XXXX and XXXX, the trade line is reporting correctly as Included In Bankruptcy and showing a {$0.00} balance. On Equifax , it is still reporting incorrectly as a Charge Off account with a balance of {$210.00}. I submitted a dispute and received results stating that the information is correct and would not be changed even though I included my bankruptcy schedules listing XXXX as being included along with my Certificate of Notice and discharge letter from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Equifax credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. Equifax sent a response to my investigation stating that they verified the bankruptcy with a third party company by the name of XXXX XXXX, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. I contacted the US Bankruptcy court and they said that they do not verify information with the credit bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX and Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.