23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

i have been XXXX the last four years and the loans went into default. A collection company has taken over. I want to start repaying the loans but they are pressuring me into signing a program that i do not understand. they are charging me {$3000.00} in interest and a {$2000.00} fee for themselves.
Product: Mortgage

My mortgage is currently serviced by  XXXX   XXXX . Prior to  XXXX , it was serviced by Bank of America, who is the current investor on the loan. Bank of America approved a loan modification prior to the servicing transfer to  XXXX   XXXX .  XXXX  never completed the loan modification and pushed the loan into a further delinquent status. Bank of America is in violation of th e National Mortgage Settlement of    XXXX  for failing to complete the modification and then transferring the servicing rights over to  XXXX . Bank of America has also breached contractual agreements by not solidifying loan modification terms.  XXXX   XXXX  has set a foreclosure sale date for  XXXX . I feel cheated and deceived by both Bank of America and  XXXX   XXXX , so I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Mortgage

I need to apply for mortgage forbearance from Wells Fargo but they have told me the following : 1. I will have to pay all missed payments on XX/XX/XXXX or at the end of the forbearance period 2. I asked for Wells Fargo to contact the mortgage investor to determine if I could add the missed mortgage payments onto the end of my mortgage loan. 
3. Wells Fargo refuses to contact the mortgage investor. 
4. Wells Fargo refuses to give me the name of the mortgage investor 5. Wells Fargo refuses to tell me if it would be possible to add the missed mortgage payments onto the end of my loan until the end of the forbearance period. 
6. The Wells Fargo representative told me that he was in the Office of the President of Wells Fargo and refused to let me talk to his supervisor or to give me any more information. 

It would be impossible for me to pay all missed payments in the forbearance period on XX/XX/XXXX if I can't make the payments now.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes and the broader issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit. As a frequent user of Zelle, I have always relied on the platform for its convenience and efficiency. However, my experience with its dispute resolution process has left me deeply dissatisfied and increasingly apprehensive about the platforms commitment to protecting its users. 

On multiple occasions, I have reported discrepancies in transactions through Zelle, only to have my concerns dismissed or inadequately addressed by both Zelle and my financial institution. Despite providing the necessary details and evidence to support my claims, I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. This response not only failed to resolve the issue but also eroded my trust in Zelles ability to safeguard its users against fraud and unauthorized activity. 

The findings from the CFPBs recent lawsuit have further reinforced my concerns. According to the CFPB, Zelle has not only fallen short in protecting consumers but has also permitted repeat offenders to exploit the platform, leaving users like myself vulnerable to scams. The platforms apparent lack of a robust system to identify and mitigate fraudulent activity undermines the trust and security that users should expect from a payment service of Zelles stature. 

As a loyal user, I urge Zelle and its partner financial institutions to take these concerns seriously. Implementing more transparent, efficient, and consumer-focused dispute resolution processes is essential to restoring confidence in the platform. Additionally, taking proactive steps to identify and block repeat offenders, as well as providing clearer communication and support for users facing disputes, would significantly improve the user experience and ensure greater accountability. 

I hope my feedback will contribute to meaningful changes in Zelles policies and practices. Consumers deserve to feel confident that their transactions are secure and that any disputes will be handled with diligence and care. 

Thank you for taking the time to consider my concerns. I look forward to your response and any updates on how Zelle plans to address these critical issues.
Product: Checking or savings account

XXXX XXXX XXXX fifth third bankXXXX XXXX XXXX XXXX someone cloned my card, accessed my online account and withdrew XXXX $ from an atm. I filed a police report with the XXXX XXXX XXXX XXXX and XXXX  refuses to give me a provisional credit and I asked why and they said they listed no reason. I asked if they wanted the police report number and they said no. This is my rent money and I need it. If they allowed their servers to be breached along with all my personal information and my bank account they need to make it right and give me my money back now
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Me and my husband are a month ahead on our mortgage payment but they are trying to say that we are not ahead that we are late and they keep hitting us were late fees. Also when we make the payment, they are taking our money and putting it towards escrow or principal and then they also asked us to pay more money but we are already caught up. 
Its like they are trying to set their customers up to fail and if they thought we were dumb enough to fall forward, they would continue to try to take our money. 
We do have bank statements of every payment that we have made. We are caught up and they are trying to rip their customers off. We didnt even go to this mortgage company. I believe they bought our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an email from my bank today and it says that it looks like your account with AMERIFINANCIAL SOLUTIO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. I don't know subject company, neither a balance I need to pay.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to explain to both XXXX XXXX and XXXX XXXX that I did not open a account with either company. They both have my social security number only they have wrong address phone number and email address. I have 4 other accounts with the bank that the XXXX XXXX is with that I have not ever missed a payment yet they opened up a account with only the social security number correct. I have notified them and they state I live in a apartment in XXXX. Im XXXX XXXX XXXX and have never lived in a apartment and I have lived in this house for over fifteen years
Product: Credit reporting or other personal consumer reports

It has come to my attention upon checking my consumer report that inaccurate information has been furnished. Per the FCRA as a federally protected consumer I have the right to accuracy [ 15 USC 1681e ( b ) ], as well as privacy according to the Privacy Act of 1974, and the option to opt out of any reporting on my consumer report [ 15 USC 6802 ( b ), 16 CFR 313.1, 16 CFR 313.7. ] My rights have been violated. My closed account with XXXX XXXX XXXX is reported as charged off in XX/XX/XXXX my consumer report. A charge off is considered a certificate of indebtedness which is INCOME.

Income does not get reported on the consumer report which in fact makes the reporting of this account inaccurate! It is prohibited by law to have inaccurate information on your consumer report and this information is indeed inaccurate. 

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The continued reporting of this inaccurate information is a clear violation of the law. 

In addition to this inaccuracy, this charge off report of this account is only showing as such on to one consumer reporting agency and still showing as an open account on the others as XX/XX/XXXX. The balance on each report is different also. On one consumer report it states a {$20000.00} balance versus a {$20000.00} on the others. This is another inaccurate reporting and must be removed from my credit profile! 

This has caused me and my family severe harm due to this negligence and inaccurate reporting. This has caused damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and house purposes. 

I am now opting out of any and all authorizations that I, the consumer, may have given you written or non-written, verbal or non-verbal for the reporting of this closed XXXX XXXX XXXX account from the date the account opened until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : The following accounts have inconsistencies. 

XXXX. XXXXXXXX XXXX Account XXXX : XXXX - This account was paid on time. It was a bank error in reporting late payments. The payment status is incorrect. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - I have not had credit with them. All payments were made in cash. The credit report shows a late payment that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

In accordance with the fair credit reporting act convergent acount # 12345, has violated my rights.
Product: Student loan

-On XX/XX/XXXX I was incarcerated and sent to XXXX XXXX , KS . 

XXXX XX/XX/XXXX I called Great Lakes XXXX  servicers to place my loans in deferment because I did not have any money coming in. 

XXXX XX/XX/XXXX, I found out that my savings account was drained and student loan payments were taken out from XX/XX/XXXX until XXXX of XXXX when the account ran out of funds. 

XXXX XX/XX/XXXX, I spoke with XXXX at Nelnet about a refund of my money in the amount of {$3400.00}, he told me, " We can't help you because the company ( Great Lakes ) no longer exists and it's been over XXXX XXXX so no refund can be issued. 

All I want is a refund but since the company that took my funds no longer exists, NELNET will not help me because it has been over XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Credit card or prepaid card

I applied online for a Chase Freedom XXXX Credit Card on XX/XX/XXXX, 2021.. The reason I applied was the advertised feature of 5 % cash back on supermarket purchases and {$200.00} bonus reward if {$500.00} was charged within the first three months. I was instantly approved. A week later I received the card in the mail which also included various brochures including a Guide to Benefits. That Guide did not mention either the 5 % cash back on supermarket purchases or the {$200.00} bonus. I assumed that Chase sent me the wrong card. I phoned Chase customer service and was told by the person answering the call that I received the correct card but Chase doesn't put in writing the terms of its promotional offer. I couldn't believe it so I asked to speak with a supervisor. The supervisor who would only give me his first name, XXXX in Missouri, did say that if a cardholder specially requested the terms of the offer, Chase would disclose them in writing which would take 10-14 business days. Also only when I asked, he told me that the operative date for determining the three month period was the date Chase approved my card even though I didn't have a card to use for part of that three month period. 

I believe that the practices described above are outrageous and that Chase should be sanctioned. In addition Chase should be required to disclose all terms of its reward program including promotional terms in the package included with the card delivery and that any time limited offer such as the three month period to accumulate bonus rewards should begin on the date the card is activated, not the date Chase approved the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  XXXX was added to my credit report in error this is not my account 2. XXXX balance is incorrect and I have never paid late 3.XXXX 's XXXX was added to my report in error this is not my account These large items along with others on my credit report have been disputed with the credit bureaus and not removed
Product: Credit reporting or other personal consumer reports

I am quite upset at the inaccuracies you are reporting deleted accounts in other bureaus in my credit record. I need the following inaccurate accounts to be accurate or deleted XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX XXXX Balance {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Mortgage

I applied for a mortgage from Amerisave XX/XX/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.
Product: Checking or savings account

{$1000.00} deposit in form of money order made. Receipt in hand, posted to account. Bank of America XXXX XXXX manager XXXX XXXX took the {$1000.00}. Disputed XX/XX/2019. To no avail
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following incorrect item ( s ) : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the regulations outlined in the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I am aware that you are obligated to verify the accuracy of these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months regarding the corrections made. 
I appreciate your time and assistance in resolving this matter. 
Yours sincerely, XXXX XXXX
Product: Checking or savings account

I have an account that attached to my mutual account. I asked the rep to transfer my funds in the mutual account. She was rude, also asked for my SS after I used my debit card to verify my account. She asked me sign a paper saying my full account number was the correct acct. But I sign in with my debit card, therefore no other information was required. I also would like to verify the deposit of direct payments from department of Treasury. 

I would like to verify the deposit information. I believe someone have try to obtain my account with fraudulent information. I have a fraudulent freeze on every credit check bureau, so protects me from fraud account being opened or information retained. Therefore, any checks should follow the bureau guidelines. No account or credit should be shared. 

I never received my refund of fees
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. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : US DEPT ED Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX {$190.00} and list of Inquiries. 

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.