23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The JEFFERSON CAPITAL SYSTEM ( Original Creditor Name : XXXX ) XXXX is being reported as a collection account in my Credit Report. This debt is already settled. Moreover, this collection account has a Past Due amount. I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Checking or savings account

Hi my name is XXXX XXXX and Ive been having problems with Citibank and them closing my account and accepting my deposit after my account got closed for some reason. They will not tell me why and they have been giving me problems returning me my money back that was my sons monthly XXXX payment.. I had just opened an account with citi bank and my account got closed not even a month later. Ive called I emailed Ive done everything and theyve failed to tell me anything. My account was closed on the XX/XX/2025 and they still accepted my deposit on XX/XX/2025 even though they closed the account. I feel like they are taking the money. Could you please help me out on getting my funds sent back to me and my son. It was {$640.00} in a XXXX deposit. They made me miss my rent payment and food for my children. I didnt have gas for my car these past couple of months from them not sending my money back. I have been struggling in the whole month of XXXX until now because of this and I need help asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is govern by 15 USC 1681 ; as such, they have violated my rights numerous times, I demand that these accounts listed below be REMOVED!! According to 15 USC 1681, I have the right to privacy and I did not give Equifax my permission to furnish these fraud accounts. Equifax has given out false information and false credit scores for me that have cost me high interest payments denied credit ; XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
Product: Mortgage

to whom it May concern. The present is to show that since I lost my old job on XX/XX/2019 I have been requesting help through the bank that I have been assigned to pay my mortgage loan which is called Nations Direct Mortgage. These people offered me a help system called Loss Mitigation to approve something called Forbearance and then a Loan Modification since I was unemployed. These people required me a number of papers to be sent to the following e-mail : XXXX, but it has not helped since they continue to request the same papers that were already sent. I have even made arrangements by calling the offices to verify if the documents are correct and they have confirmed yes. I have phoned the bank in charge of my mortgage loan and the service provided to me has been the worst ; from insults to hang up the phone. I need to resolve this situation in the most professional way possible and without empty promises.
Product: Checking or savings account

I've already contacted cpfb once over fifth third bank letting someone steal. My money they switched the addresses on my account while I was XXXX for 2 years they sent a reply to y'all said time frame is why they can't refund my XXXX XXXX first off I know that's illegal because I was not notified due to their negligence and letting someone change address to ones I don't know and steal XXXX XXXX from me and I wasnXXXX XXXX  two years I had no knowledge and then when I get out I've called and got around I sent proof where the bank let.them.change it XX/XX/XXXX I was XXXX on XX/XX/XXXX awaiting extradition for XXXX XXXXime in VA I could not have known or took money out they are at fault
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately blocked and removed. 
Fraudulent Accounts 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
Product: Checking or savings account

WellsFargo that they didnt have enough information about my claim, but never received any letter from them requested more information. 
Therefore, very disappointed for my case to be closed without further investigation. 
Its true never had a Mortagage with Wells Fargo, but since I am Wells Fargo customer and maintain account with them used my checking account to make payments to my mortgage which were located XXXX XXXX XXXX XXXX WI XXXX and the mortgage company name was XXXX XXXX XXXX XXXX XXXX. What happened when made those payments through my checking account the money wasnt posted on time and as result of the delayed, my mortgage appeared late because Wells Fargo bank misplaced/ delayed posting my payments which affected and ruined my credit score because of those lates payments resulted from the bank mistakes.

Therefore, the bank should not trying to denied the damage they caused in my credit score which affected my leading character because of those late payment of which have never late but it was the bank misplaced or delayed posted my payments. Here is my email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is the alleged problems to all my inquiries, several alerts I received from them the odds to receive a credit and the falsely advertisement that it wouldn't affect my credit score. I even emailed them about this, I have so many inquiries and everyone comes from credit karma. And it has affected my credit real bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NISSAN-XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NISSAN-XXXX XXXX  with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX/XXXX XXXX
Product: Student loan

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, all of these schools I went to were investigated by Department of Education. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my Fed. loans of approximately {$80000.00} were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that XXXX was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie MaeXXXX were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to XXXXXXXX XXXX CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Vehicle loan or lease

My name is XXXX XXXX I got a car from America Car lot in XXXX XXXX. They what bankrupt and XXXX XXXX XXXX XXXX in this car bad like I dint understand the car was a XXXX XXXXXXXX XXXX  they tired to charge me XXXX for it like what the XXXX I dont know what to do I been trying to get a new car but this is stopping me want no bank approval me because if this XXXX car
Product: Credit card or prepaid card

A Bank of America credit card was opened in my name and I'm not happy as its affecting my credit score and i need this removed from my credit report.
Product: Mortgage

My mortgage was sold to Seterus.Inc in XX/XX/XXXX from XXXX. We were not notified of our loan was going from the frying pan into the fire. We was told our first payment to Seterus would be {$710.00} as we had what was called an overage amount in a suspense account. XX/XX/XXXX paid the normal load amount. XX/XX/XXXX paid the normal amount but check was late by one day and we where charge a late fee and paid it. XX/XX/XXXX through XX/XX/XXXX began a nightmare that we are now waking up from. We were told that our loan was in default XX/XX/XXXX and had to make a payment of {$5000.00}. By XX/XX/XXXX we would have paid Seterus over XXXX. No one would speak to us except to tell us the only thing they would do is to give us a payment plan with paying {$400000.00} a month on a monthly payment of {$2500.00}. Over and over and over we questions this amount and never got an answer. The online statements never made any sense and no one wanted to explain. Subjects to wait time on the phones for 30 minutes at a time. Threatening phone calls and letters saying they would foreclose on my home unless paid by the time they would set. Fearful of loosing my home today I have paid over {$75000.00} dollars to the company and still I do n't know for what. Call takers and managers or rude and short fused, dare say anything to offend them and your call will go into cyberspace and you wait and wait for them to come back to the phone. This company has ruin my credit by false payment reporting. Left me barely eating or living by stealing my money and threatening to take my home every month for 2 years. Too date, I 'm waiting for an investigate of loan/payment processing to go over my loan. I paid my mortgage online as I have done for the last 2 years with my debit card, payment went right to my account. Today I tried to pay it and was blocked. I called customer service and was told because I paid them late in XX/XX/XXXX, I was barred from paying online again. When I told them I 've been paying online for the last year, I was told, " the system had not caught up with me until now. '' I was told I need to go to the bank and get a certified check or send a money order only. Trying to interpet their on-line statement is impossible. I need help in exposing this fraudulent company and recovering my loss. In efforts to show you the monthly statements increasing in payment instead of decreasing, I have attached a few. I have all of them.
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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Theyve 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 users vulnerable to scams. This lack of accountability and transparencies is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing 1 fraudulent account along with 6 fraudulent addresses to be blocked removed in accordance to FCRA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated that the following account was verified XXXX  ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Transunion was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Product: Debt collection

I disputed and they come back is correct nothing in writing has ever been received. This debt is definitely not correct. I keep saying I owe just not the XXXX nobody has provide a breakdown of amount my original signature or anything.
Product: Debt collection

This is a XXXX XXXX. medical bill I have inform HRRG to stop calling me and collect the XXXX XXXX information I called them today and told him to remove all that information off the credit report and the XXXX XXXX XXXX was going to email him with all that information for the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they have ignored my request to remove the in accurate information I had at least five apartments denied me because at the end accurate information day reporting refusing to remove it also my criminal charges has been dismissed I was on a XXXX program for six months I pay my restitution case is over and done this should not be in my credit file at all it should be in expunge
Product: Debt collection

The landlord initiated an eviction case against me but voluntarily dismissed it on XX/XX/year> ( See attached Notice of Nonsuit ). Therefore, the legal fees charged are entirely improper. They applied the legal fees and sent it to collections without my knowlege. 

The landlord was required to provide an itemized statement of charges within 30 days of my move-out date ( XX/XX/year> ). They failed to do so, which may invalidate some or all charges. 

The debt was sent to collections without prior notice, denying me the opportunity to dispute the validity of these charges before they harmed my credit. 

The reported balance includes unlawful charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the XXXX code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the XXXX nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX  XXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law.
Product: Vehicle loan or lease

I'm in belief that this is a fraudulent loan, I believe a lender normally evaluates the individual past credit history as well as the current income. 
I've spoken to the Santander representative several times indicating that my monthly calculated financial monthly payments well exceed my necessary expenses. I also asked how my income was reviewed and calculated which Santander responded by saying that on my credit application that I listed XXXX was my gross income, which Santander took advantage of their loan terms which had been initiated at the " End '' of the year XXXX, which can be verified by the loan document itself. There are also other expenses like rent that was not looked at by Santander which was later explained that i do receive housing assistance but majority of rent I pay myself. 
These issues play a major role in determining my eligibility towards financing, but Santander agreed to distribute this Loan based on misrepresented income and credit verification and were notified as well as the dealership or seller of this Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to run my credit. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company ( RISE ) to dispute the information they are reporting to Transunion Credit Bureau. I asked for the documentation of the debt being mine and a record of the payment history for the account with them. 
I did not receive any items indicating the account status or my ownership. 
The company also did not notify Transunion within 30 days that I was disputing the information on their credit report.

This is a direct violation of FCRA 611, 602 AND 603. The company ( RISE0 did not notify Transunion of the item being disputed thus having the credit report indicate the item was being disputed by the consumer.
Product: Mortgage

The loan approval process through Eagle Home Mortgage , LLC an affiliate of XXXX XXXX has been nothing short of a nightmare. The loan was issued with a cosigner. The amount of information that was being requested by the " underwriting '' process was above and beyond what was actually needed. The amount of information that was submitted to multiple loan officers with this company that was lost, not uploaded to underwriting, or requested in so many different forms that it has prolonged the actual loan approval for a closing that was dated XX/XX/18. The dates for closing have been changed so many times, up to the last issue we've encountered. We were set to close tomorrow XX/XX/18 and never sent a corrected closing disclosure until XXXX XXXX the evening before. ( XX/XX/18 ). Upon review it was noted that the insurance company/premium was incorrect. Looking back in emails the updated information was sent to loan officers on XX/XX/18 and XX/XX/18 that the insurance company had tried several times to contact with no success. Why on the eve before closing, in a closing disclose we are required to have 3 days before, is the insurance information not corrected when myself sent it to them ... this is the question we all have! Now due to their incompetence we yet again have another issue with the dated closing being not adhered to. The required by law closing disclosure has yet to be received at XXXX XXXX the evening before we are set to close. We have received NO final corrected closing docs, NO title company info, NO downpayment final number, and the loan officers are no longer taking our phone calls. Total incomplete and better yet I feel that my private information is being used against the final approval of this loan/mortgage. The last contact we've had with the loan officer led to a insult due to a job vacancy in the middle of this loan process and was handled in the most unprofessional manor.
Product: Mortgage

When filing paperwork for a home refinance loan, I was advised not to open an escrow account because we owed money to our property taxes from a HERO loan for work done to our home and part of the refinance agreement would be paying off the HERO loan and the property tax bill would subsequently decrease greatly and therefor we wouldn't overpay our loan servicer unnecessarily. Once our refinance loan paid off the HERO loan, I requested the loan servicer pay the next tax bill from our escrow account. The property tax bill is due tomorrow, XX/XX/19. I submitted a written request with my updated/latest tax bill and insurance information as required on XX/XX/19. I called to check in several times and was notified I had submitted all documents properly and that the request would be escalated in order to pay the property taxes in time and to open an escrow account. After not receiving a response by XX/XX/19, I submitted another written request. By XX/XX/19, two weeks prior to the tax bill being due, I called in and asked to speak to a manager, who then told me he was creating a " manager escalation '' and that, again, I had accurately provided all documents requested, and that I'd receive a response in 3 working days. I received the formal response stating this on XX/XX/19. I have tried contacting the customer service and manager numerous times since that date, more than 12 working days past XX/XX/19 and am now going to have to pay the tax bill out of pocket tomorrow, on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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.