23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We filed for Bankruptcy XXXX in 2011, to save our home from going into foreclosure. We also went through a State program and was approved for {$24000.00} to help pay down our loan. A bankruptcy Judge added a court order for the bank to accept the money and the bank did not. I have all the paperwork. My complaint is the bank has inflated our loan and is now trying to foreclose on our home. I look forward to talking with you and sending any information you may need to proceed. <P/>Thank You, XXXX XXXX
Product: Mortgage

try to modification my mortgage and told me not to make a payment on my home ..it took 10 months now they want {$8600.00} to keep my home,, need help Please
Product: Credit reporting, credit repair services, or other personal consumer reports

I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to Experian XXXX and XXXX XXXX Credit Bureaus
Product: Checking or savings account

Bank : Wellsfargo Error : a check that I wrote as a deposit on a home I was purchasing was cashed and cleared from my Wellsfargo checking account on XX/XX/XXXX. Unprompted the banking institution, XXXX XXXX XXXX XXXXXXXX for the closing attorney reprocessed the draft Friday XX/XX/XXXX for no apparent reason. I immediately contacted Wellsfargo to alert them to the issue. In response I filed a formal fraud complaint and closed my checking account associated with the check and reopened a new one. On Saturday morning the funds were back in my account and remained there until midnight on Monday when the check was processed again. I again called Wellsfargo who will not respond directly outside of telling me they have 10 days to investigate. Wellsfargo failed to catch the fact they were honoring the same exact Check twice, the check was over 6 months old when they processed it for a second time, and then ultimately allowed the check to come from a checking account that was not associated with the check written as it was closed due to fraud. It has been 8 days that I have been missing {$15000.00} at the failure of Wellsfargo security procedures and can not get a human to speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. C 1681 Section 602 A states I have the rights to privacy. 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On XX/XX/2021, I called into my mortgage servicer, Quicken Loans/Rocket Mortgage, about the end of my forbearance plan and reached XXXX. XXXX obfuscated the fact that I could take advantage of the XXXX XXXX  COVID-19 Payment Deferral program by implying that I would be eligible only for a loan modification until I asked him directly whether he was telling me that there was no way for me to take make use of the XXXX XXXX  COVID-19 Payment Deferral program. Even then, he was unclear, and I had to ask him, very specifically, " What would I need to do to be eligible for the COVID-19 Payment Deferral program? '' Either he was assuming that I wouldn't/could n't make two payments without actually confirming this fact by asking me directly, or he was intentionally making it difficult for me to ask for and use the XXXX XXXX COVID-19 Payment Deferral program. 

It turns out that, at this point, to be eligible for the XXXX XXXX COVID-19 Payment Deferral program I would need to make two mortgage payments ( {$2500.00} ) tonight, a fact that was never disclosed, alluded to, or addressed at any point during my " forbearance check-ins '' or at any point at all. 

It is unfortunately true that Quicken/Rocket similarly obfuscated the option to enter into forbearance early in the pandemic, when the option was first available. The only reason I was able to take advantage of the forbearance was that I had read extensively about the forbearance options being made available by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Since long time transunion have been doing deleting and add it collection that they can't verify in my account hurting my credit score I sent so many letters saying this action is against FCRA and CFPB laws and asking why they hurt my credit like that and never I've heard any answers... 
I'm attached proof about this last inconvenient. 
Please I hope this hurt is resolved soon... 
Thanks ahead
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX 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

Dear [ Federal Student Loan Servicer ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights.

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private.

2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections. 



My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I requested my anual credit report and I think it's wrong! Im aware that I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 
Please provide me with the following items : * Pay off disclosure * Interest Rate Disclosure * Balance History * Payment History * XXXX XXXX 1.Validate Accounts Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : XXXX XXXX XXXX XXXXXXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$2100.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$1800.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX I encourage you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also find out that under federal law. you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and correct information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

My husband and I have been trying to refinance our mortgage since XXXX XXXX, XX/XX/XXXX with XXXX MortgageLine, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The company has strung us along, all the while asking for repetitive documents and income statements. We have paid for an appraisal XXXX because the company took so long to process that the XXXX appraisal expired. Each appraisal was {$400.00}. My husband is in the XXXX XXXX and was away XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX. The broker implied this was XXXX of the reasons the refinance was taking so long, but my husband signed a XXXX for me to finalize everything. While he was in training, XXXX XXXX asked for more documentation proving his pay. Even though they knew the military pay was temporary, they said the full time work pay stubs were no longer applicable. When my husband returned to his full time employment after military training, we once again had to submit pay and tax returns. XXXX XXXX has checked our credit score multiple times, which is good standing. We have yet to have an answer of why the refinance is taking so long. XXXX XXXX is working with XXXX XXXX XXXX XXXX.
Product: Debt collection

The payment was sent XX/XX/XXXX via registered mail number RE XXXX XXXX XXXX US AND THE DEBT VALIDATION LETTER ON XX/XX/XXXX VIA CERTIFIED MAIL NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my XXXX credit report is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/X/2017 I sent money through western union to my finance company in regards to a payment for my vehicle. The finance company never received the funds and I have been trying to locate the funds ever since. When I call customer service they transfer my call to different departments and then I get hung up on. Every time I call they claim to have opened a ticket but there is never a resolution. Due to the transaction not being completed my vehicle is no longer available. I need help locating and receiving a refund immediately.
Product: Debt collection

Stop falsifying information. No letters, no phone calls, no notice of any debt owed because I do not owe it. The letter was false and did not provide any proof of debt owed. The letter was written to me only in response to my complaint, Other than that I have NEVER been contacted by this company and they do NOT have a debt for me. I sent in proof of my identity but they are still offsetting my XXXX as per the US social security administration. NO EVIDENCE OF DEBT PROVIDED AS REQUESTED, NO NOTIFICATIONS EVER RECEIVED. No bills, no letters, no proof, nothing. They admit they have never ever contacted me. But XXXX XXXX, Customer Response Technician lied stating that notices were sent to me When I called AAFES admitted that nothing was EVER sent to me. There is no information in this response to identify this fraudulent supposedly certified Treaury Offset. Show me how you wrongly identified me. Credit card charges? What is this about? She stated according to our records, what records? No records were sent because they dont have any to send. Stop this unlawful XXXX for wrong identity. 
Social security XXXX is supposed to be exempt from this so how do they get away with doing this to me knowing that I do not owe them? I asked for proof and was illegally threatened with inprisonment. XXXX says that is like debtors court and is not legal in America. Yet they told me I can be put in jail for something I keep telling them I do not owe. This is so scary and so unfair and so not right. What are you doing to stop them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly disputed with XXXX  and equifax my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.
Product: Debt collection

I acquired a loan with speedy cash based in California. I received an email from a *credit Burear debt collection that goes by the name of XXXX XXXX XXXX stating that they will file a lawsuit in the court of Texas for not paying a loan back which I am coming to an agreement with speedy cash myself. They want me to pay a certain amount using a prepaid card from a retail store. They dont provide a phone number I can call customer service to see who really is behind this company. I feel like I am getting scammed and harassed I have had financial and health problems lately. They have come at me aggressively through via email.
Product: Money transfer, virtual currency, or money service

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

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

I purchased a XXXX and XXXX from XXXX XXXX XXXX XXXX on XXXX XXXX and was told they would honor a pricematch and charge it to my BB credit card. The XXXX XXXX XXXX Bundle was being sold on XXXX for XXXX and when I received my bill I realized they charged me XXXX. This larger amount has caused a financial burden for my family as we had not planned to spean the extra {$150.00}. When I contacted the store they advised I wouldn't be able to return the system because I had already claimed the game that came with the system not knowing they ripped me off. It was a very shady process as I didn't even get to see the price and did not notice it until I received my first bill and was itemizing my monthly expenses. I would like the company to allow me to return the system for a full refund or honor the pricematch. I have consulted with an attorney at this time who advised filing a CFPB before retaining his services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With equifax they are reporting The status as unpaid when this should say closed With Equifax, XXXX XXXX XXXX is not reporting that the account is In Dispute With XXXX, XXXX XXXX XXXX are not listing this account as In Dispute With XXXX, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with XXXX the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With Equifax, XXXX data is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type!

And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!
Product: Credit reporting, credit repair services, or other personal consumer reports

I get my FICO credit score as a monthly benefit of my Costco/Citi VISA credit card account. In XXXX of 2019, it suddenly dropped from XXXX to XXXX. I have been trying since that time to find out why. I've also gotten my free annual credit report from XXXX   which shows no adverse information whatsoever. The only financial transaction that I've made since XXXX that would impact my credit score was to pay off the small balance remaining on an installment contract a few months early. 

My calls to Citibank have been especially fruitless. Every customer service agent that I talk to gives me a different story, but each essentially says that there is nothing they can tell me or do to get answers from Citibank. I've asked to speak to supervisors, but none will do that. Several have told me to contact XXXX, which I have done. XXXX tells me there is nothing in my credit report that would justify any drop in my credit score, let alone such a large one. They also claim that they only pass my credit information on to Citibank, not provide a score. Neither will give me any way to contest or get my score reviewed. I'm caught in a Catch-22. 

My credit score hasn't been below the low 800s for years. I own my home with no mortgage, have a low 6 figure annual income and high 5 figure amount in my savings and checking accounts. I've never had a bankruptcy, unpaid bill or even a late payment in my life. My only debt is 2 credit cards that I've had for years. I keep the month end balance of each card below {$1000.00} by making interim payments before each of their month end dates, then pay off the entire statement balance each month. 

I hope the CFPB can help me get answers.
Product: Credit reporting

In XXXX 2014, I was visiting a XXXX XXXX store and was offered to sign up for a rewards account to earn points for purchases at the store. The clerk assured me it was not an application for a credit card, so I provided my name, address, and phone number. I did not provide my social security number. A few days later, I received a letter from XXXX XXXX stating that the credit card application they received in my name was incomplete, so they could not give me a credit card. I immediately called the customer service number on the letter and explained the situation. They apologized and said that any resulting inquiry on my credit file would be removed. To this date ( XXXX XXXX, 2015 ) the inquiry remains on my credit file with TransUnion. I would like the inquiry on my TransUnion credit file removed because I did not apply for the credit card and the employee at XXXX XXXX submitted my name and address as an application for credit.
Product: Credit reporting or other personal consumer reports

New 120 days late reported on XXXX XXXX account for XX/XX/year> when account is not late, in fact account has no balance to pay for XX/XX/XXXX statement because there was no balance carried over.
Product: Student loan

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all  XXXX  credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.