23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were working with an attorney to try to remodify our mortgage. The attorney stopped corresponding with us and did not disclose any information to us relating to our property. In the middle of not hearing from the attorney the mortgage company paid the water pollution bill and took over our mortgage.

My Wife and I had to send the mortgage company a letter removing the attorney from our case in order to receive any information about our mortgage.

We would still like to save our home and feel that's it's not fair that our house was stolen from us due attorney negligence/malpractice.

Please help.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX  XXXX {$240.00}
Product: Student loan

My current spousal consolidation loan was established after congress stopped offering spousal consolidation loans : XX/XX/2006. I am providing copies of executed documents for your review. I was able to locate several of my documents as STUDENT AID.GOV did not have any saved which I found to be very interesting. Please review all documents attached. This loan could be considered fraud after it was set up after XX/XX/XXXX1. I did not give permission until XX/XX/2006, when the application was signed. It is not from transmission until I acknowledge by signing the signature line of the Application Master Promissory Note. 

Timeline of the loan history : XX/XX/06 XXXX  XXXX  sent a summary sheet of loans that were eligible for consolidation and a letter about how to read a summary sheet discussing what a consolidation loan is and what replay payment plans are offered for review. They asked us to review to ensure these were the loans we wanted to consolidate. As of XX/XX/06 we had not signed any documents for a consolidation loan. 

XX/XX/06 XXXX - FFELP application and promissory note were signed on XX/XX/06. This date was after congress stopped offering spousal consolidation loans. 

XXXX XXXX  XXXX  sent a disclosure of payment amount letter stating the loan is being set up with graduated repayment plan to include loan details with interest rate information. 

XXXX XXXX XXXX sent letter for consolidation disbursement made with loan details and summary of Direct Consolidation Loans. The disbursements was consolidated on XX/XX/06 ( THE MASTER APPLICATION AND PROMISSORY NOTE WAS NOT SIGNED UNTIL XX/XX/2006 YET XXXX  XXXX  DISBURSED THE {$77000.00} ON XX/XX/2006. AGAIN THIS EVIDENCE SHOWS THIS LOAN SHOULD NOT HAVE TAKEN PLACE ) XX/XX/2006 - XXXX XXXX XXXX sent letter stating they received the appropriate loan payment information from my current lender. This means application is in the final stages of processing and is ready to fund with XXXX ... .. keep in mind it states " application '' is in final stages. I SIGNED THE MASTER APPLICATION PROMISSORY NOTE ON XX/XX/2006 GIVING PERMISSION TO MOVE FORWARD WITH DOING A SPOUSAL CONSOLIDATION LOAN. DID NOT GIVE PERMISSION TO DO THIS BEFORE. THIS IS THE LEGAL BINDING CONTRACT THAT SEALS THE DEAL XXXX XXXX  sent account statement letter with all loans detail breakdown : original loan amount, interest rate, first payment due date and actual/separation date of * I MADE PAYMENTS TO XXXX XXXX  BEFORE THE SPOUSAL CONSOLIDATION LOAN WAS ESTABLISHED.. PAYMENTS MADE WAS IN THE AMOUNT OF {$390.00} IN XXXX AND XX/XX/2006.
Product: Debt collection

I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on My Credit Report Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX 
Despite multiple requests for correction, including disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Current Creditor Remarks : Closed Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 15 Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Unsecured Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} Two-Year Payment History : TransUnion : XX/XX/XXXX : OK XX/XX/XXXX : OK XX/XX/XXXX : OK XX/XX/XXXX : XXXX late ( inaccurately reported ) XX/XX/XXXX : OK XX/XX/XXXX : OK XX/XX/XXXX : OK Days Late - XXXX History : TransUnion : 30 Days Late : XXXX ( XX/XX/XXXX ) XXXX : None Reported XXXX : None Reported Violations : FCRA XXXX : According to XXXX XXXX Code XXXX, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, XXXX XXXX XXXX XXXX mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Desired Resolution : XXXX removal of the inaccurate XXXX late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant regulatory agencies. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on your corrective actions. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

{$79.00} was charged to my Bank of America Mastercard on XXXX. I called BOA while the charge was still pending to alert them of the fraud, but they let the charge go through and denied my claim after investigating.
Product: Credit reporting or other personal consumer reports

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DELETE PREVIOUSLY EMPLOYERS * ADD THE CORRECT EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * PLEASE CORRECT MY DATE OF BIRTH ( XX/XX/XXXX  ) * PLEASE DELETED CURRENT ADDRESS ADD ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) * PLEASE ADD MY EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DATE PREVIOUSLY ADDRESS * ADD MY CURRENT EMPLOYER ( XXXX XXXX ) PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 


PLEASE SEE ATTACHMENT!!!
Product: Credit card or prepaid card

I sent Wells Fargo and there registered agent a billing error notice. They have 30 days to fix it. As a consumer, they failed to apply a credit that I am due, and also, they withheld this disclosure from me. Pursuant 12 CFR 1026.13, this constitutes as a billing error. Wells Fargo is notorious for shutting down consumer 's accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and can't do to the consumer. I feel as Well Fargo has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. I have been with Wells Fargo for over 15+ years. Im demand my credit be applied every month as stated. The same letter was also sent to The XXXX Attorney General.
Product: Checking or savings account

On XX/XX/2024, I received an email from First Financial Bank ( XXXX ) saying thank you for enrolling in online banking. However, I never did this. I searched for the company online, called the company, and spoke to their fraud team who asked me for my social security number. I refused to give it out. They claim they can't lookup my info without it. It seems like the entire thing is a scam, but I am worried someone is using my info to open a bank account - I just can't get any more details from them. I would like to know if someone actually tried to use my info to open a bank account, or if this company is just a scam. There seem to be multiple " First Financial Bank '' s online with different logos.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy that i did not file. The US government has confirmed they are not reporting any bankruptcy information. Experian is receiving this information from a third party that has been notified they are giving false information. Experian has not furnished any documentation from the US Bankruptcy court stating that they are reporting a bankruptcy or dismissals. Without this information in writing from the courts this item on my credit file is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX Account XXXX XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX COVID-19 PANDEMIC. 


Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXXXXXX XXXX 30 Days Late Reported on XX/XX/XXXXXXXX XXXXXXXX  30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit reporting or other personal consumer reports

This is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the inaccurate reporting of my XXXX account on my credit report. The account was never delinquent, is now closed, and should be reported as satisfactory. However, it is currently being reported negatively, which is impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I request the immediate deletion of this account from my credit report as the reporting is incorrect. Please investigate this matter promptly and provide a resolution at your earliest convenience.
Product: Credit reporting

Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage note was recently sold from XXXX to Carrington Mortgage as my new loan servicer. I incur a late penalty fee due paying on the last possible day of the grace period which I 'm comfortable with and have been paying for the past several months. Recently however, Carrington has begun charging a " {$5.00} convenience fee '' which I was not fond of because they did not originally charge this fee for payments made through their website. In lieu of making payments through their website, I decided to set them up through online bill pay from my XXXX checking account in order to avoid the {$60.00} annual fee. I had the payment scheduled for XX/XX/XXXX in order to give it a couple of extra days to clear on their end. The funds were not disbursed because my available balance was {$830.00} and funds required to pay my mortgage were {$830.00} ( short by XXXX cents ). I immediately processed an external transfer of {$10.00} from another checking account of mine to assist in covering the payment. By the time the funds were deposited ( 48 hour turnaround ), monies were disbursed on XX/XX/XXXX to Carrington Mortgage. Since the payment was not applied until XX/XX/XXXX by Carrington, they have now reported me to the credit bureaus and I have suffered a substantial credit hit. My FICO score that I have worked extremely hard in maintaining excellence ( nearly XXXX points for many years ) has now dropped severely and this is all due to being short by XXXX and also wanting to avoid an unnecessary {$5.00} fee.
Product: Student loan

Navient is the student loan company. They sent me an email in the in the spring, which I still have, saying my loan was being taken over by XXXX, and I would hear from them in XXXX and everything would remail the same. 
In XXXX, I tryed to renew my IDR but it would not go through the Fed Student loan dept. they told me that that was because of the automatic frobaircen from the goverment.

I get monthly emails that say I do not own anything this month. I also have this months.

I ask at the end of last year if I should apply for the XXXX Forgiveness, and was told that they are imposable to get, and I should just stay the way I am.

I had to XXXX at XXXX because I could not do the job anymore. 
I have had XXXX XXXX XXXX XXXX, and I have a XXXX XXXX that keeps from stand any length of time, I can not walk for my those XXXX minutes without sitting or having to lay down. 
I can get all of the paperwork. 
Also, this loan was taken out in 2007. I paid off my XXXX and XXXX degrees. But then went thru a divorce and little money. most of what they say is owed is interest. But I have had no choose. 
I started off with XXXX XXXX and now Navient. 

I sent on 1040 and my SS report and my XXXX  year-end paperwork. and they said I was fine.

I make under {$13000.00} a year and still pay rent insurance, auto and medical.

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

I have made several attempts to dispute the accounts on my file and I still have not had them removed. There are also inquiries that are unknown. I would like for these accounts to be removed according to the FCRA- unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The other credit bureau deleted my late payment of my student moan but experian have not and I've been trying to reach out but no answer or response. Everytime I dispute the item they update it and I think times unfair to me that bothe XXXX  and XXXX  have deleted the late payment.
Product: Money transfer, virtual currency, or money service

The company is coinbase. I have an account with them that was working fine 3 days ago that was Tuesday XX/XX/XXXX. I have money in my coinbase account and suddenly the account says its disabled ( says I need to show id and proof of address ) I have those but support is not answering me anything. These gets me really nervous. I try every posible way email, web page, XXXX and nothing. I dont know what else to do. I have XXXX with them now I dont have access to them or even know if my funds are ok. Please help.
Product: Credit reporting or other personal consumer reports

I have discovered the incorrect spelling and improper use of my full name and reporting of an incorrect address on my Experian Credit Report. The improper use you are reporting is a violation according to the Fair Credit Reporting Act on my consumer report and needs to be reported accurately on any consumer report from your reporting agency. Here are the errors I have found on my Experian Consumer Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct spelling of my full name is : XXXX XXXX Incorrect address which is not mine needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These incorrect errors above are demanded to be removed within XXXX days. 

Thank you.
Product: Checking or savings account

I opened a savings account for XXXX XXXX XXXX , XXXX, in XXXX. The branch closed, but funds were transferred to another branch, never identified, at CitiBank with the same account number. The account balance was kept at just over {$500.00} to avoid maintenance fees. Additions and subtractions from the account were minimal. Then in XXXX I began to receive without explanation a threat to close the account if certain unidentified information was not supplied. What ensued were two trips to the XXXX XXXX branch, signing of paperwork, numerous telephone calls, and several letters, all responded to promptly. At the XXXX XXXX branch I was informed that my bank account was closed, but I was assured by the bank official that the account was re-opened when she telephoned on my behalf. My bank statement for XX/XX/XXXX-XX/XX/XXXXindicated a balance of {$530.00}. I received no bank statement for XXXX, however. On XX/XX/XXXX, I received another bank statement for XX/XX/XXXX-XX/XX/XXXX, indicating a balance of {$260.00} with no explanation of why funds had disappeared. On the same XX/XX/XXXX, I telephoned Citibank to inquire why I was receiving contradictory bank statements for XX/XX/XXXX. I was informed by the telephone representative that the account had been closed and that a check for {$530.00} had been mailed to me. Yet I never was informed of the closure of the account, and I received no such check. The telephone representative could not explain why I received two bank statements for the same amount for two different months. And no CitiBank representative has ever explained why I had to go through all this hassle in the first place.