23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XX/XX/XXXX I engaged in a consumer credit transaction in regards to a mortgage loan with Prosperity Home Mortgage , LLC with XXXX XXXX as my Mortgage Consultant. On or around XX/XX/XXXX XXXX XXXX contacted me via email to inform me that she was unable to complete my application but had ran my credit scores stating " XXXX score is " XXXX '' and XXXX XXXX is " XXXX ''. Since XX/XX/XXXX I have tried to contact XXXX XXXX via phone and email I have not gotten a reply. The last time trying to contact XXXX XXXX was XX/XX/XXXX around XXXX pm after receiving an email from her minutes before understanding it was not a business day, to apply about moving forward with my application process. Nevertheless, I had concerns regarding my rights pursuant to title VII ( Equal Credit Opportunity Act ) ( 12 CFR 1002 ) of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). Even though XXXX practice appears neutral on its face, requiring that applicants have income in excess of a certain amount to qualify for an overdraft line of credit could mean that women and minority applicants will be rejected at a higher rate than men and nonminority applicants ( 1002.6 ) - Rules concerning evaluation of applications. However, a creditor may not consider in its evaluation of creditworthiness any information that it is barred by ( 1002.5 ) from obtaining or from using for any purpose other than to conduct a self-test under ( 1002.15 ). 
Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to " discriminate '' against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( 1971 ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1975 ), to be applicable to a creditor 's determination of creditworthiness.

Also, I do not waive any rights under ; 1. 12 CFR Part 1002.15 - Incentives for self-testing and self-correction ; 2. 12 CFR Part 1007 - ( Regulation G ) - definitions ; 3. 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) or any other consumer rights thereof.
Product: Student loan

I returned back to school in XX/XX/2020 and at that time I was still making monthly payments to Navient on my private student loans. I requested that the payment be paused for in-school deferment, however, after speaking with several agents I was bullied into keeping my payments going. I was told that I would no longer qualify for the rate reduction program upon reentrying the program. I felt very ashamed and bullied by the individuals I spoke with, while still struggling to make payments. I was even called by an agent who, before even asking how I was doing, asked whether I was going to send my payment. Mind you, I had a payment pending on my account, but he'd rather I make a payment with him over the phone. I verified that this was an actual Navient agent and not a scam call when I hung up and called the number back.
Product: Credit reporting, credit repair services, or other personal consumer reports

NC Financial/Net Credit placed an inquiry on my XXXX credit report on XX/XX/2022 that I did not authorize. On XX/XX/2022 this company placed a new account on my credit for {$10000.00} that I did not authorize or initiate. I have not received any correspondence in the mail, a payment or by email from this company. I have made several attempts to call this company but can not get through to a representative. The company has called me several times to collect the debt and after I explain the loan does not belong to me, the call hangs up. I have filed a report through my police department. A dispute has been filed through XXXX, but they closed the account and said the debt remains. Again, I did not authorize this loan and never received any form of payment from this company. This company is fraudulent and my identity has been compromised. The companys mailing address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Contact ph XXXX
Product: Debt collection

All of them best describe this company. Unified Global Group XXXX XXXX. XXXX woman by the name of XXXX and XXXX use threats and insults instead of verifying they are representing a legitimate business. I asked for things in writing they said '' pay your bills. You know what this is. " They never correctly could identify the original creditor. States I owed XXXX XXXX. and thats all the information they could give me. I never opened a credit card with this company and tried to contact this company to find out they bellied up due to fraud and lawsuits. I asked on first call from them to send something in writing and who and where they were calling from. They would not reveal any information on anything but contentiously say I need to pay my bills. When i ask for specific information on them they repeatedly hang up in my face. Minutes later an automated call back to my phone. I asked them to stop calling its harassment and they say we will keep calling you till you pay your bills. I own a business and one of the woman ( XXXX ) stated " do n't you own a business you cant pay your bills '' as if she looked me up.Calling my sister threatening that if they do n't get in touch with me they will continue to call her. Making statement about legal documents over the phone. Asking for personal information but not revealing the city and state they are calling from. calling from a local number which leads to an XXXX number. Throwiing slander " are u calling off your obama phone '' you cant pay our bills. we can talk when you will pay this bill '' Automated phone calls back to back at my employment and cell phone.
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 XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX FINANCE COMPANY ONLY WORKS WITH EXPERIAN. EXPERIAN CREDIT BUREAU TOLD THEM OF THAT I HAVE A FRAUD ALERT. THAT I HAD SEND A REPORT TO THEM. I DID NOT SEND ANY REPORT AND HAVE TOLD ANY COMPANY TO DO SO. EXPERIAN IS TRICKING PEOPLE IN SO THEY CAN SIGN FOR THEIR SERVICE. I PAY FOR ONE MONTH SERVICE AND THEY DO NOT WANT TO GIVE ME A REFUND. THEY NEVER ANSWER THE PHONE AND THEIR WEBSITE DOES NOT WORK. TRY UPLOADING DOCUMENTS AND IT SAYS LARGE MEMORY ON IT, EVEN WHEN I JUST TRY TO LOAD ONE DOCUMENT. THEY NEVER ANSWER THE PHENO AND THEY ARE COMITING FRAUD BY MAKING PEOPLE SIGN IN FOR A PROTECTION SERVICE, INSTEAD TO TALKING WITH PEOPLE AND HANDLE THIS MATTER A FASTER WAY SO THAT THE BUSINESS DOES NOT TAKE A LOSS ON A VEHICLE THAT CAN MAKE MONEY WHILE IT WAITS ON THEM. THE PROCESS HAS TO BE DONE BY MAIL. I WANT A LAWSUIT AGAINST THEM FOR FALSE ACCUSATION AND TAKING ADVANTAGE ON SOMEBODY THAT WANTS TO WORK HARDER. AFTER ALL I WORK SO HARD PAYING MY BILLS.
Product: Credit card

I purchased a char online that never arrived at the cost of XXXX in the fall of XXXX  XXXX. It was around the holidays so I waited on it for a few months! When I realized it was fraud I contacted mercury card. They sent me a letter refusing to cover the loss. I responded back and have been doing so recently. They promise to call me but never do. They told me what interest they are charging but the refuse to honor the protection the card claims around fraud.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

The following debt does not belong to me. I have never opened an account with this company in XXXX of 2022. It has been ruining my advances in life with this negative credit report and Im requesting immediate removal from my credit report.
Product: Mortgage

Hi my is name XXXX XXXX. Im having some issues with my servicer Select Portfolio Servicing. Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XX/XX/XXXX at XXXX spoke with a representative asked them whats the status and they told me that they have received the complete Request for Mortgage Assistance packet and its under review but they also said that they will still continue with the foreclosure sale scheduled for XX/XX/XXXX. 

They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally and physically continuously.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$140.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit reporting, credit repair services, or other personal consumer reports

I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX XXXX XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with Transunion and XXXX trying to get this debt removed. In every complaint Transunion and XXXX swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX  ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt Transunion and XXXX.
Product: Debt collection

XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the attached images of the class action lawsuit which includes Mobiloans , LLC XXXX XXXX XXXX for racketeering. Please see the consumer alert at the link below. XXXX XXXX XXXX-not-licensed-XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, OCWEN LOAN SERVICING reported Account no. XXXX as " Over 120 Days Past due mortgage '' to all three credit bureaus ( XXXX, XXXX, and XXXX ). I filed bankruptcy and included Ocwen on XX/XX/XXXX. The bankruptcy was granted and discharged on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles mishandling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I filed a police report stating that my account had been fraudulently used. Charges on a card account that I do not recognize with XXXX. I had opened the account almost XXXX years ago but never used the card. Police Report # XXXX, XXXX  XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent money via XXXX to an address provided on XXXX for purchase of an item. The item never showed up, and all 3 of my accounts used were subsequently hacked. I've filed a complaint with Several banks as well as XXXX. I've also filed police reports as I want the person or persons behind this scam to face legal penalties. To date all of my other financial institutions have refunded the monies due to fraud except USAA. I'd love assistance in getting the remainder of my money returned to me please. 

It was 2 different payments. One was {$2000.00} via XXXX, USAA gave me a temporary credit for that amount. 

The other was {$1000.00} via XXXX, USAA said it would take 10 days for them to verify it was fraud. Today is day 10 and I have received no information or credit from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by Gap Inc. ( Clothing retail company ). The amont was  {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the Gap Inc. casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name Synchrony Bank ( XXXX XXXX XXXX ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the Gap Inc was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

This company shared my personal information with the three credit agencies without my permission. Upon signing they did not provide me any disclosures and I did not sign anything giving them permission to share. There information is appearing on my credit report fraudulently.
Product: Debt collection

XXXX XXXX has reached out to me regarding a past due bill amount that they claimed to have took ownership of from comenity Bank previously owned by XXXX XXXX XXXX they told me that I owed a large amount of money which I disputed I asked the company to send out an itemized list of the purchases that I had made. Also a list of the interest fees, how did they accumulate to that amount. 
I have yet to receive any of the information I requested especially the information regarding the interest and the total amount that they were asking for they reported to the credit bureau, filed a complaint with the court system to sue me threaten me. Constant calls of harassment and I have been trying to work this company to resolve this debt. They have not provided enough information to show ownership of the account because there is another debt collection agency claiming to own this account also for a lesser amount of money that they are saying I owe on the account.
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.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # 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: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc . ) do 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 financial laws, and I seek appropriate redress for these violations.
Product: Debt collection

I do not recognize this company which has negatively affected my credit. I want for them to show any document that I have signed and agreed to which I am responsible for.