23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carington Mortgage recently marked our credit report late on XX/XX/19. We sent a payment and some how it got returned back to us in the mail after the 30 days had past. We sent to the same address as we have done in the past so not sure how that happened. As soon as this was brought to our attention I made payment immediately but the damage was already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Money transfer, virtual currency, or money service

Cashapp transaction # XXXX where I was scammed and the merchant blocked me when I tried to retrieve the goods I purchased. This service protects scammers and even filing a dispute with your bank will do nothing at all. They can't get the funds back and expect you to work it out with cashapp and their non existent customer service. Very upset and I encourage many to not use their services.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23, I visited the XXXX XXXX XXXX XXXX, XXXX, DE XXXX location to deposit cash. I was given a receipt for {$1500.00} cash deposit. After I left the bank, the branch manager called to tell me that a mistake had been made and that I would only be credited for {$1400.00}. This, despite the fact that I was given a receipt stating a {$1500.00} deposit. The manager explained that after I left, the money was recounted and they discovered their " mistake ''. I asked why I was given a deposit receipt before a final count was done and the manager was not able to give me a satisfactory answer. I asked if he could prove to me that the teller had not pocketed {$100.00} after I left the bank. He did not offer to review camera footage and did not offer me any avenues to dispute this issue. I am disgusted with how I was treated by the staff at this Wells Fargo branch. In addition to having to navigate this stressful situation, I had to take time off work to return to the branch for what was their " mistake ''. I will also be reporting this to many local news outlets.
Product: Credit reporting

Can not access free annual report online at XXXX. Can only access via submission of a written request by mail or by uploading request to XXXX.
Product: Mortgage

In XX/XX/XXXX, I opened a home equity line of credit at Investors Bank ( account # XXXX ). In XX/XX/XXXX, we sold the house and informed Investors Bank of the sale. I told them that we no longer owned the house and would like to close the account. They never closed the account. Since then, I have informed them by phone and by mail that we do n't own the property and want the account closed, but they still have n't closed it. Please contact them and make them close the account. Since we do n't own the property, the bank ca n't foreclose on it. My fear is that someone will charge something to the account, and we will be responsible for their debt, and this will affect our credit. Thank you for anything you can do to help us.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Product: Debt collection

Beginning XXXX of 2020, I was contacted by a debt collector about my Amex bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have XXXX  out the company is not part of Amex collections but a separate debt collector ( XXXX ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed Amex ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be Amex and then is not able to be contacted. At this point, I do not know what they are doing with my money.
Product: Debt collection

In XX/XX/2013 I was seen at XXXX XXXX  hospital ER in XXXX, Oregon one evening because I had a XXXX XXXX and couldnt XXXX XXXX XXXX. I was given XXXX XXXX and XXXX XXXX. I was diagnosed with an XXXX XXXX XXXX  and discharged that same day. My insuranced denied my claim stating I should have been seen by my primary care instead of ER but my symptoms were not extreme until after clinic hours. XXXX then billed me and contacted me by phone saying I had a bill and needed to make arrangements to pay. I explained that we were a family of XXXX without the ability to pay even with payments at that time. I did then ignore several phone calls made after the first 2 because they were just calling to collect what I didnt have. The claim was sent to collections after a few months and Im now being sued in small claims court by Ray Klein Inc dba XXXX XXXX XXXX! I contacted them to arrange a pay off to put on my already stretch credit card if they are will to settle on an amount and they will not budge a cent. I can arrange payments of {$100.00} but they said they will still pursue a judgement but not enforce unless I dont pay but a judgement will still ruin my credit. I have 1 week left to either pay off, request a hearing in small claims or except judgement .... I think a non profit hospital should have given me a break, they said they had tried so many times to contact me and I told them I spoke with them at the beginning but all they could offer was payments I couldnt afford at the Time. Ugh frustrating, I know nothing can be done with my case at this point but still writing this in hopes it wont happen to anyone else
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously counted my qualifying payments. I had loans in XXXX, as well as loans in an in school deferment. I reached out with instructions to remove the school deferment and replace it with the covid forbearance, as it is an eligible status for XXXX. I also consolidated my loans, as XXXX XXXX XXXX announced that if the loans were consolidated and employment was certified during the waiver ( prior to XX/XX/2022 ) I would be awarded the highest qualifying payment. I just received a letter showing my unsubsidized portion of the consolidated loan has 5 qualifying payments, which reflects the months of employment I certified. The statement only shows 3 qualifying payments for my subsidized portion though. MOHELA is required to service my consolidation loan as one singular loan, and that loan should have 5 qualifying payments, as the deferment was waived, and I certified employment from XX/XX/2022 through XX/XX/2022.
Product: Debt collection

I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of Mandarich law group , llp XXXX. XXXX XXXX XXXX, il. XXXX on behalf of plaintiff, XXXX XXXX, XXXX XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report. 

Can anybody Sue me for any length of time?? 

Thank you
Product: Checking or savings account

around XX/XX/2017, Bank of America closed my checking account and forfeited my account claiming that the money was not mine. Talked to the bank several times and they have declined to tell me what happened, with no cooperation form the bank.
Product: Debt collection

Complain against : Aldous and Associates ammount : {$160.00} opened case since XXXX. 
I bought a membership to XXXX XXXX long time ago and I was paying like {$21.00} a month, the payments was take authomatically from my personal account in XXXX XXXX. 
When the Covid19 restriction was imposed here in XXXX Florida the goverment shut down the Gym for a year more or less ( means we can not go there or received service ), even though XXXX continue debit my personal account every month without interruptions during all Covid 19 shut down, if you do the math will see I PAID THEM MORE OR LESS {$250.00} FOR A WHOLE YEAR AND I CAN'T BE ABLE TO RECEIVED SERVICE. 
One day after the Covid 19 shut down was lifted I don't remember the date my debit card account was compromised in a intent of fraud and XXXX XXXX canceled the debit card and issue another, I recognized I forgot to give the new one ( debit card ) to XXXX XXXX but what going one in that time, I was very afraid to resume my visits to the Gym again because of the possibility of getting an infestation and bringing it home where I live with a XXXX XXXX baby. 
I think : 1- ) The alleged debt of {$160.00} is offset by everything collected without service. 2- ) In the supposed case, I would only have to pay for one month ( {$21.00} ) because the Gym close my membership immediately they did'nt received the monthly payment 3- ) Aldous and Associate damaged my personal credit since the time they opened this unfair collection. 
I JUST WANT : A- ) CANCEL my {$160.00} debt to XXXX XXXX with the year they were closed due to Covid19 restrictions AND RECEIVED PAYMENT FROM ME, and REMOVED THE COLLECTION FROM MY CREDIT PROFILE. THIS IS VERY FAIR AND ACCURATE THING TO DO. 
B- ) In the case will be consider I have to pay them need to be only for one month of service which is {$21.00} and also removed the collection from my credit profile because is fair and accurate thing to do as well.
Product: Debt collection

I have been trying to get this resolved for quite some time and it has now affected my credit. I got this account back on XX/XX/2020 and I got a phone for my daughter because she lived alone. The original phone was stolen at her job. When we went to get a replacement, the store we went to said they didn't have original phone on the account in stock. Needless to say, she decided to upgrade her phone and the store we went to screwed my account up. The guy decided to give her a upgrade by creating a new line and putting it as a camera on my account to get a new phone. The bill started getting out of control and to a point where the payments were very high as a phone bill. My daughter called and was told she could return the phone and it would be closed. When we called XXXX, they informed us that the location we went to was not an original XXXX location under them. We tried to return the phone because that was what she was really having to pay for but we have not gotten anywhere with it. I now have an outstanding balance of {$1800.00} on my credit report. I called XXXX recently and they said it is in collections and the company, Convergent Outsourcing, quoted me a balance of {$2100.00} and offered to settle for {$1400.00} and then said the lowest was {$1300.00}. I have received nothing but the run arounds and I want it off my credit so I can move to a new house. This one thing is holding me up. This is ridiculous for a phone that's not being used. The phone is still in great condition. XXXX said it couldn't be handled by them because the debt was in collections. I was given false information. I need help getting this resolved ASAP!
Product: Mortgage

I have sent the information for an escrow analysis to be done on my mortgage account since XXXX XXXX. 2016 and have yet to receive a reply. But every two months my escrow continues to go up. I asked to speak to a supervisor and still have yet to receive a return phone call or any answer. I have gotten approved for a homestead exemption for {$20000.00} less than last year from XXXX County Tax Appraiser office and my home owner 's insurance has not increased.
Product: Debt collection

I have attempted to dispute this debt with the creditor for the past few years. Portfolio Recovery continues to insist I owe a debt from XXXX XXXX  which I do not. I have several accounts with XXXX XXXX  and all of them have been paid in full. When previously asked for documentation from XXXX XXXX  confirming this debt is mine a few years ago I never received any documentation from Portfolio Recovery confirming an outstanding balance on any account with XXXX. Also when I reached out to the original creditor I was informed that I do not have any balances due on any of my current account with them.
Product: Credit card

I have a Chevron/Synchrony Bank credit card. I had auto-pay set up to pay the minimum each month, so that I would n't be late on any payments. XX/XX/2016, I closed the bank account which used to make payments. I logged into my Synchrony account, and updated my payment information to my current bank account, and paid the existing balance on the account, which cleared my bank on XX/XX/2016. 
Today, I received a letter from Synchrony Bank notifying me that they were closing my account due to " a number of dishonored payments. '' I called Synchrony Bank, and they told me that they had tried to make the minimum monthly auto-payments from my old bank account, but that they were returned. These returned payments began XX/XX/2016. 

This is the first notification I have received from them regarding any dishonored payments. I was not notified that there was a problem. If I had known this when it first started, I would have taken care of it immediately. 

I am not really concerned with continuing to use my Chevron credit card. But I am concerned with how this closed account will affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information XXXX am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Mortgage

Wells Fargo Home Mortgage ( lender ) is currently processing my VA Mortgage Loan to purchase a home. The lender approved our loan and we received our lender commitment letter XXXX XXXX 2015 for the amount of {$170000.00}. We found a property we wanted to purchase with an original price of $ XXXX that was later appraised to $ XXXX. The lender had us ( the buyer ) pay the following fees : Title Fee ( {$1000.00} ), Inspection Fee ( {$300.00} ), Appraisal Fee ( {$440.00} ) and other processing fees. To this date we do not have our corrected GFE yet. The lender has sent us numerous rough drafts of the GFE with multiple errors and discrepancies like for example : charging the buyer costs that do not apply to VA Loans. The even tried to have the buyer pay for the Property Termite Inspection and Survey Fee which I refused to pay. I have been more than patient with the lender and right know we are very stressed and XXXX about the whole ordeal.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 card

I ordered a meal from chick fil a. XXXX XXXXthey gave me the incorrect meal. I called up immediately. Spoke with the manager on duty. It was not resolved. I called the following day and spoke with the lady on duty. She advised me that the manager would contact me that the actual manager was out of town and I would receive contact by the next day. No one called I called back againnseveral days later and the same lady answered apologized and advised me to file a dispute on the card. That it was not in there rules to bring the food back and that she would pass to the owner what occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this a follow-up request to my earlier request last time. 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Comenity Capital Bank  ( XXXX XXXX XXXX ) has engaged in fraudulent credit reporting, failure to investigate disputes, and deceptive lending practices that violate the Fair Credit Reporting Act ( FCRA ). Specifically : Misreporting settled and paid accounts as delinquent. 

Failing to correct payment history after consumer disputes. 

Damaging credit scores through intentional reporting errors. 

Refusing to properly investigate errors despite multiple dispute filings. 


Supporting Evidence : Credit reports showing misreported paid-off accounts as past due. 

Failure to update accurate payment history after disputes. 

Correspondence documenting the refusal to investigate claims. 


Harm & Damages : Denied Future Credit Opportunities due to fraudulent reporting.

Incorrectly Reported Delinquencies Causing Score Drops. 

Higher Interest Rates on Loans & Insurance Due to Falsified Risk Profiles.