23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During XXXX we had income loss, illness along with I have had several health issues since. We got a modification and were approved/ made one payment with north pointe. Then our loan sold. In the process it has sold 4 times and each time told dont make a payment we will fix this. Now over a year later since my loan originally sold and still cant make payments, loan amount changed, interest rate went up, no honor to our original payment plan and now our recent papers were denied and no one is calling us and I have to call each time. I have two years of paper trials and emails and still nothing. We are now with right path and again told today we cant make a payment. Our situation has been escalated over a dozen times and nothing. I feel I am being defrauded out of my home and its original value. We are currently being told we ok XXXX every time we call in and again nothing is done in our favor even with requests in, paper trials submitted and again nothing. I feel we need a lawyer and all legal support we can be provided as a mortgage owner with rights.
Product: Debt collection

I was contacted at work by someone at Mandrick Law Firm about a credit card debt XX/XX/2023. They also did not send a letter of verification to verify the debt before filing a lawsuit when I asked for it. The charges state in the suit that the card was charged off and no debt owed yet they are trying to garnish my wages anyway.
Product: Checking or savings account

I have never been receiving a refund even though I contacted XXXX for 5 times since XX/XX/year>. They provided me different informations each time with some issues in their own process that each person couldn't provide me what exactly was issues. Last contact was on XX/XX/year> that a female staff of Fraud department told me to check at the Post office only, even if the time passed for 5 months already without any reasonable or formal information. 

Apology, English is a second language for me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : 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 XXXXXXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Student loan

Previously my loans were at XXXX. In XX/XX/2017, when I became eligible for the PSLFP, I called XXXX XXXX to understand the requirements of the program. At that time I was told my loans would qualify but I would need to request to move my loans to XXXX in order for them to process my application. I did exactly that and when my loan was transferred, XXXX increased my interest rate. On top of that, my employer ( non-profit ) had many difficulties submitting their portion of my application. After several attempts, we were able to get their information though, only for me to then be denied because my loans didn't meet the repayment plan requirements. I was more than upset at the time since I had gone through the trouble of moving my loans and then experiencing an interest rate increase. Following that, I became separated from my husband and we were working through a mediator on the details of the divorce. I decided to engage family to help me pay off my student loan in full because I was led to believe differently at this time that I would never have my loans forgiven as I would need to choose a new repayment plan and then make 120 payments which would actually be beyond me paying the loan in full. Early this year, just months after I paid the loan off ( XX/XX/XXXX ) legislation was passed to expand the program on a temporary basis. Upset, I called XXXX again and they stated that to be evaluated for the TPSLFP, I would have to have my loan refunded and resubmit again since I currently had no loans with them again. So, they contacted the department of education to refund my loan. I am told I was issued a refund ( still have not received it ) and they restarted my loan PLUS charged me interest for the time the loan was paid off. Now I owe ~ {$270.00} in accrued interest in a loan that didn't exist at the time since it was paid off in FULL already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX/XXXX  XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX  XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX Date Filed XX/XX/XXXX XXXX XXXX  XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX  XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

On XXXX XXXX, I called a Bank of America ( BofA ) Customer Service Representative ( CSR ) to dispute {$25.00} monthly fees that started since XXXX XXXX. The CSR explained that the reason for the monthly fees was that my account was changed from Advance Plus Checking to a Relationship Checking account and I was not meeting the average balance requirements of {$25000.00} for the new account. I shared that I was neither notified nor consulted with the change and I would not have agreed to the new account because I do not have {$25000.00} to retain in the account. My Advance Plus Checking was created in 2019 for a specific purpose so I can utilize the BofA-affiliated XXXX XXXX on the military base while XXXX in XXXX XXXX and the requirements then was a simple direct deposit into the account, which I still maintain today. In short, the CSR made several attempts to reimburse the series of charges from XXXX to XXXX ( total {$150.00} ), but only to notify me that she was only able to successfully reimburse {$50.00} ( XXXX and XXXX fees ) and for me to wait at least 24 hours before asking to reimburse the remaining fees. The CSR reverted my account back to Advance Plus before ending our call. 

On XXXX XXXX, I called BofA CSR again to get reimbursed for the remaining {$100.00}. However, the CSR and her supervisor explained that the system only allows two reimbursements per year per account.

I will not make any assumptions or accusations as to why my account was changed without my knowledge and permission, but it is rather unlawful since money was taken from my account without my consent.

Please help me get my {$100.00} back from Bank of America. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! The following accounts were opened fraudulently and MUST be removed from my credit report : XXXX XXXX XXXX. XXXX, XXXX {$660.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently I have a 10 year old " freeze '' on my credit file from 2009 that I just found out about when it negatively impacted my recently opened XXXX account- after it was already approved and installed. Now, suddenly I am notified that because they can not " locate '' a credit file, I will be charged a deposit and higher rates than initially discussed and agreed upon. After more than three hours and several Experian representatives, Experian can not verify my identity and because I do not know the 10 digit PIN ( from 10 years ago ) and I have moved ( so they could only send the PIN to my old address at the time of the initial freeze ). Then they could not access any security questions to verify my ID over the phone, and the upload feature online does not work, repeatedly having technical issues and deleting my documents. So, NOW I must send a copy of current utilities ( but NOT the lease, when we moved in just two weeks ago ), my state-issued driver 's license, my passport, and my social security card just to request that a new PIN be mailed in 8-10 business days ( on top of the 3-5 for processing ). This will take weeks to complete. However, over the past several years, I have opened numerous credit cards, purchased multiple cars, and more ... all under this supposed " freeze. '' I was told about it in XXXX and immediately had it lifted without any PIN, so I thought the nightmare was over - but somehow it only worked temporarily and now they basically can not explain why it was not lifted permanently or why they can not access the questions or why I was able to go nearly ten years without even being aware of this freeze. Nobody can answer anything and they all just treated me like trash. It is a scam. Yet Experian has control over nearly every aspect of our lives. I have NEVER had to pay a deposit for utilities, or anything else until now and it is not because of poor credit, but their poor procedures and lack of caring about the customers they are hurting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get my credit report from experian online and they will not give it and I get shut down before I can even ask them what the problem is. They tell me to get it through the mail but I need it now not a month from now. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Product: Credit reporting or other personal consumer reports

The collection is with Jefferson capital system account number XXXX. Date opened XX/XX/year> with the XXXX company. The amount on collection is {$2700.00}. I need this collection to be removed from all 3 credit bureaus. Also I need more information including my identity where this debt come from what year.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

MY WIFE WAS CROONED, SWOONED, CHARMED AND SCAMMED BY XXXX XXXX XXXX XXXX WHO ALSO TOLD HER HE LOVED HER AND HE WAS USING THE MONEY TO BUILD A NURSING HOME IN THE XXXX. DATES OF TRANSACTIONS IS ALL DATES FROM AND INCLUDING XX/XX/XXXX THROUGH XX/XX/XXXX THAT WERE PAID TO MERCHANT NAME : XXXX XXXX XXXX OF VARYING AMOUNTS. MY WIFE WILL BE XXXX XXXX XXXX THIS XX/XX/XXXX AND HAS DECLINING COGNITION. XXXX XXXX XXXX XXXX WAS WARNED OVER XXXX XXXX YEARS AGO TO CEASE AND DESIST PREYING ON MY WIFE BY MYSELF AS SHE IS OLD AND HAS DECLINING MENTAL STATUS WHEN XXXX HAD MY WIFE PURCHASE HIM EXPENSIVE {$250.00} EAR BUDS AND SEND TO HIM FOR FREE, HOWEVER HE CONTINUED TO GET MONEY FROM MY WIFE TOTALLING ABOUT {$30000.00} ON CREDIT CARDS WHICH WE OWE INCLUDING COMPOUNDING INTEREST CHARGES AND ARE TRYING TO PAY OFF. XXXXXXXX XXXX RETURNED OUR MONEY BUT CAPITAL ONE CREDIT CARD REFUSES TO GIVE US OUR MONEY BACK AFTER FILING A COMPLAINT. POLICE REPORT WAS FILED WITH XXXX XXXX MISSOURI POLICE DEPARTMENT, WHO ALSO DIRECTED ME TO FILE A COMPLAINT WITH CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reinserted old inquiries back onto my credit report. I have sent 2 letters certified mail asking them to remove them. The new inquiries has caused me to have an unfavorable credit rating that is impacting me and my family financially. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took longer than 30days to notify me about the results of an investigation. After several calls to equifax, they tell me the company in question responded to them with in 30day, but per the electronic paper trail on the CFPB complaint site it shows they failed to notify me untill after 30 days. Someone at equifax removed my address information so that I could not contact equifax, after a heated phone conversation about the incident. Equifax 's response is completely unacceptable. Please see attached documents for verification of my claim.
Product: Credit reporting or other personal consumer reports

I disputed some account on XX/XX/year> Experian did a sham investigation. These account we not properly vetted. Experian investigation came back less than 7 to 10 days There was no way possible it was proper investigation. I attached a list of all the inconsistencies.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Product: Debt collection

I leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and returned the vehicle paid up to date with a XXXX balance in 2018. Around that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX but I no longer had a lease because I had paid off with a XXXX balance and closed the account. Receivables Performance Management LLC aka RPM has now put a collection on my credit bureau accounts for {XXXX}. The notice specifies XXXX XXXX XXXX XXXX as creditor and XXXX XXXX XXXX as original Trust, creditor account # listed is XXXX. I do not owe this debt and it's a fraudulent attempt to collect from me and ruin my credit. Please help me resolve this matter promptly as it is affecting my credit and causing me anguish. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my name and social security number to obtain credit and Id like it to be REMOVED and ALL accounts CANCELED ~ Ive had a fraud alert on my credit for over a year and recently updated and there should NOT be any credit extended to anyone w/out contacting me DIRECTLY as indicated on ALL XXXX credit bureaus!.. Ive also noticed a XXXX name ( XXXX XXXX ) w/ a XXXX XXXX address has ALSO engaged in fraudulent activity/behavior using my social security number and credentials and its been Reported to the police where I live!! * please CANCEL ANY & ALL ACCOUNTS, LOANS and/or any other credit extended! * thank You!, XXXX XXXX XXXX ~
Product: Debt collection

My AC was out for a week, and according to the state of NC if your AC is out you should be compensated due to the circumstances. I asked the company to resolve it and they attempted to evict me. This happened XXXX, I attempted to rectify and try to find a solution. I was unaware that this would be put on my credit, they didnt notify me.
Product: Debt collection

I received a call from a company called Gatestone. I initially ignored the call because I had no debt but decided to call them back the second time. They asked for my current address and prior address ( since I just moved ) which did not match their records and last XXXX digit of my SSN ( which they asked for and which I should not have given ). They then said it was for an XXXX CC I was a secondary for but I told them that I am not a secondary for any credit card or loan. They gave me the last XXXX digits of the supposed card and I confirmed with them I had no such account. They said they will then delete the my contact details ( work and cell numbers - which they used to call me ) from the account. I called them back because I decided to call XXXX and I did not recall the last XXXX digits of the account they said I had. I was able to talk to the agent assigned to my case and he provided the last XXXX digits. Note, that I had no issues calling this company and getting someone on the phone in the two instances I called them. 

I called XXXX and they confirmed that I have no account ending with the XXXX digits in all my current and prior accounts with them and that they do not work with such debt collection company. They also said that they call their customers directly about unpaid balances and do not go straight to a collection agency. 

I tried to call the company back and let them know about my conversation with XXXX and suddenly unlike prior instances, my call went into voicemail for the " XXXX XXXX Department ''. This never happened in the two other times I called them and I called during office hours. I left a voicemail anyway indicating that I have talked to XXXX. Now, I am worried because they have my cell, work numbers, my current address and last XXXX digits of my SSN and I am now wondering if they created this phantom debt or bogus account digits for a debt supposedly I have to get personal information.
Product: Credit card

we had auto pay set up and stopped by error @ the American express they didn't note me and they reported a late fee