23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan was sold from XXXX XXXX to Mr. Cooper. We were told to continue paying XXXX XXXX. We have never been late on our mortgage payments and have always been on time for four years. But when our loan was sold to Mr. Cooper it has been a disaster. We sent our mortgage payment into XXXX as usual for the month of XXXX, either at the end of XXXX of XXXX we were notified to start paying Mr. Cooper so we sent them a check at the beginning of the month which was XX/XX/XXXX. But now Mr. Cooper says we never sent the payment in XXXX ( which we weren't notified about and already sent a payment to XXXX ) so now Mr. Cooper is claiming we're in default!
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove these items to prevent any potential fraud due to the exposure of my personal information. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection account ( s ) just appeared on my credit report overnight. This bill was part of a Federal Workman 's Compensation claim that was approved, and paid. Company never notified me at any time.
Product: Checking or savings account

After speaking with another representative, I was told that I must provide a letter of indemnity that could potentially relieve Navy Federal Credit Union of any culpability of illegally depositing ACH funds into an account where my name is no longer associated with the account. The Indemnity letter could potentially be used as a way to dismiss their actions should this " first step '' of submitting the letter not resolve the problem of returning my federally issued funds. I have been told that there is a policy which allows banks and credit unions to deposit without confirming the name on the ACH check/deposit. They could not provide the internal policy from which they were reading. The representative actually told me that he has no reason to lie to me. Which is shocking since he is working on behalf of a financial institution, that does not want to be held responsible for an egregious mistake. They have not been able to locate this information on disclosure statements to the public, and their internal memo and have claimed this is a federal banking issue. This has been an hour long search for answer that they were convinced is policy and something I need to " trust '' them with. Then they stopped trying to locate the specifics and said they would send me the disclosure statements and policies from the green book or federal policies that release them from responsibility. The member service representative I spoke with claimed that this is a rare situation, and they weren't entirely sure how to handle this, yet there's a federal policy for this. It isn't adding up.
Product: Credit reporting, credit repair services, 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. 



XXXXXXXX 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Consumer Loan

My wife and I had XXXX vehicles that were both damaged in a series of hail storms that blew through our area back in XXXX. The damage was enough to total out both of our vehicles. Getting everything sorted out on my truck was easy - XXXX XXXX had a great process that took all of like 2 weeks to sort out from start to finish. 

My wife 's car, financed through Ally Auto, was a total nightmare. 

My account was placed in their version of lock down ; I could n't get anybody to talk with me and the people I did speak with were unable to give me any details. This was an issue as I had a ticking clock to get my XXXX insurance ironed out. Around late XXXX, I was escalated to their 'Executive Customer Relations ' team to try and get everything fixed up. At the same time, I was also chatting online with their chat representatives just hoping to get some answers. Neither department was able to assist me in any real way. I had requested some simple documents from them - stuff like company letterhead with my account number and the address to remit payment to. They were n't able to even provide that! Just as frustrating, the ECR team would take weeks at a time - with me emailing almost daily - between responses. 

After some seriously frustrating phone calls ( and about a month ), the ECR team finally managed to send all of my required documents to my GAP insurance provider. During that month long span, I was still getting on Ally 's chat service and trying to track down the documents myself. Part of that involved asking questions that this rep did n't want to answer. So, he kicked me out of the chat service in the midst of our discussion. My login session had expired so I tried to log back in a few minutes later to reengage in the conversation. Imagine my surprise when I get an alert that said I was locked out due to too many incorrect login attempts! Even more surprising because I had saved my password on my computer ; had n't typed out my password for MONTHS with no problem. 

At this point, I also asked ECR about why the heck this was going on ; I was informed that there was no attempts to lock me out, it was just an automated procedure that kicked in. It all seemed to coincidental - and erroneous due to the type of error I received. They stuck to their guns though - and were quite rude through this whole process. I got fed up with dealing with the ECR team and managed to find contact info for several executives in the organization. I passed along all email threads and asked for them to look into it. After much back and forth, it came to light that it was NOT an automated process that had kicked in. Rather, it was incorrect password attempts - as I had been saying since day XXXX. Whenever this came to light, the individual I was speaking with, XXXX XXXX, started threatening lawyers as a way of strong arming me into staying quiet about the whole issue. 
This whole situation was n't entirely unfruitful though. I finally managed to find my payoff amount. In XXXX. 7 months after I started the process.
Product: Money transfer, virtual currency, or money service

Greetings, I use XXXX payment through Chase bank. I was sending money using XXXX to my brother who uses XXXX. I entered his phone number which is registered with XXXX. When I entered his phone number, XXXX asked me to provide his email address. When I was writing his email address, I missed one later in the email address but his phone number was correct. When I sent the money to him, XXXX used his email address instead of his phone number. He did not receive the money that I sent to him. It went to an email address which is not his. I would like to cancel this transaction. I called Chase bank, they said they can not help because XXXX is operating that transaction and asked me to call XXXX. When I called XXXX, XXXX told me to call Chase because it was from chase. Please help me. My phone number is XXXX XXXX the transaction number from Chase is XXXX. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding TransUnion & XXXX  repeated failure to correct inaccurate information on my credit report, despite proper documentation and multiple disputes. Their refusal to comply with federal regulations under the Fair Credit Reporting Act ( FCRA ) constitutes willful noncompliance, which has caused significant harm to my creditworthiness and financial standing. 

Key Issues : XXXX. XXXX XXXX XXXX These accounts are listed as student loans on my XXXX credit report, with delinquency records and balances that are both inaccurate and harmful to my credit score. 
These loans were discharged under the XXXX XXXX XXXX by the U.S. Department of Education, as they were deemed fraudulent and unenforceable due to misrepresentations made by the XXXX XXXX XXXX XXXX. 
As of today, these loans no longer appear on my XXXX profile, further confirming that they were properly discharged and should not remain on my credit report. 
Despite multiple disputes and submission of the XXXX XXXX XXXX XXXX, XXXX  has refused to remove these accounts. 

Requested Resolution : Immediate removal of all XXXX XXXX XXXX my XXXX credit report. 
XXXX. XXXX Department of Education Accounts : These accounts are listed as student loans on my XXXX credit report and accurately reflect a positive payment history. 
I request that the payment history for these accounts remain intact, as it contributes positively to my credit profile. However, the balances must be updated to {$0.00}, and the status updated to satisfied, consistent with the discharge under the XXXX XXXX XXXX. 
Requested Resolution : Update all US Department of Education accounts to reflect {$0.00} balance and satisfied status while retaining the payment history. 

Evidence Provided : XXXX XXXX XXXX : Confirms the discharge of XXXX XXXX and the determination of fraud. 
Credit Report Details : Identifies the XXXX XXXX and US Department of Education accounts with their balances, delinquencies, and payment histories as they appear on my XXXX report. 
Screenshots from StudentAid.gov : Demonstrates that the loans have been discharged and no longer exist in my federal profile. 

Harm Caused : TransUnion & XXXX failure to correct this information has caused financial harm by : Reducing my credit score. 
High interest rate on a car purchased in XXXX. 
Limiting access to credit opportunities. 
I have experienced emotional distress and have had to dedicate unnecessary time and resources to resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.
Product: Credit card or prepaid card

i have a XXXX XXXXXXXX XXXX unemployment card through US Bank ReliaCard. i have {$6000.00} on cause it took so long to get it. now i, ve had it XXXX days and i cant access my money on it and i dont know why and i cant find any awnsers online or on the app and i cant get noone on the phone cause of the hour plus wait and then it disconnects, mean while im out of money still and my bills keep piling up please help me my name is XXXX XXXX XXXX my last XXXX of the XXXX digits on the card are XXXX and the last XXXX of nmy social security is XXXX my phone # XXXX email add XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/24 - Customer XXXX XXXX purchased a XXXX XXXX  online and paid via XXXX XXXX XXXX XXXXhrough email Review and Pay option. Invoice can be sent. 

XX/XX/24 - Funds cleared our bank and the cart was scheduled to be picked up and delivered by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

XX/XX/24 - Charge was disputed by customer and funds were taken out on XX/XX/24 XX/XX/24 - XXXX XXXX XXXX and XXXX submitted a police report ( also can be sent ) XX/XX/24 - XXXX XXXXequested information from local ( XXXX Police Department ) agency on the event. We were told that the County that they tried to contact would not cooperate and to just wait. XXXX did reach out and gather more information on the two parties involved ( XXXX XXXX from Kentucky that ordered it and paid. And the recipient XXXX XXXX in Alabama ) this information can be shared via email as well. 

We have pictures of the home it was left along with photo IDs of both parties. Apparently, XXXX determined at that point that the card was stolen and did not know how the transaction would have even worked since the victim of the card theft canceled that card and already had a new one. 

We called American Express and were told to have XXXX XXXX call to fix the issue. 

XXXX XXXX stated that there is nothing that they can do. 

We tried XXXX XXXX again as of XX/XX/24. 

We lost possession of the vehicle and as the victim, we still have lost {$11000.00} even though we never put the card information in. 

It was accepted by XXXX and we even waited for the funds to clear over several days since the different addresses seemed odd. Once funds cleared, we completed our end of the transaction as required. 

The dispute claimed that no card was present. But the consumer put in the information via internet. 

XX/XX/24 - Patriot will be reaching out to the reporting agency ( XXXX ) XX/XX/24 - reporting to CFPB to hopefully resolve the issue after a XXXX, FTC, FBI complaints have been made. 

Possibly have the American Express and XXXX XXXX companies do a IP address check and remedy the issue that made us a victim. All our calls to both companies have to date left the issue unresolved. Thank you
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if he believe the information in inaccurate XXXX accordance with the Fair Credit Reporting Act the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 XXXX 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 did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature
Product: Credit card or prepaid card

I am disputing the closing of my account for no valid reason. I was never late on making payments on time or going over my credit limit. I'm assuming company closed my account because of non usage for a couple of months.
Product: Credit card

Capital One offered what is called " Choose it '' to help pay off a large purchase over time with no interest. I continued to pay off my " Balance Due '' every month only to find out my " Balance Due '' did not include the amount I had chosen to place in my " Choose it '' " bucket. '' ( I 'm using quotes because this is how the manager on the phone referred to these things. ) I do most of my banking on my mobile device. Therefore, I 've been paying my " balance due '' every month thinking I 've long paid off the " Choose it '' balance as well. No, they hide that balance still outstanding as " SpecialPurch '' under the interest charge calculation on the statement. Additionally, it is at the very bottom of the statement. NOWHERE on my mobile device can I get this additional balance due unless I bring up my PDF paper statement. I trusted the " balance due '' was indeed the WHOLE balance due and paid it off EVERY month. As I do pay my balance very month, I really should not have taken advantage of this " special offer, '' but I did and now I am sorry. 
My concern is n't as much for me, although it makes me very angry. My concern is for others who need a break with interest charges and might not pay off the balance every month. 
Additionally, I feel it is BAD PRACTICE for Capital One to not put SOMETHING, ANYTHING alongside the " Balance Due '' that states " You may wish to pay off this Special Purchase balance off, too so you do n't incur interest by this date. Therefore your actual balance due is $ XXXX. '' Thank you,
Product: Student loan

This account was in forbearance but late payments from the end of XX/XX/XXXX-XX/XX/XXXX are reported. If the account was in forbearance there should not be any late charges reported on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading
Product: Mortgage

To CFPB, My name is XXXX XXXX, I have asked lakeview mortgage to close my FHA case number because I was going with a different mortgage company that gave me a better rate and I felt more comfortable with. They have told me that it was done but it has not been completed.I am not able to close because they have a file still open with the FHA. I have contacted lakeview as well as the mortgage company that I am going with has contacted them, to ask them to close the file, as well as give them the steps to close the file number so I can close on my mortgage. They have not done so and it has been over 3 weeks now. 
I have spoken to XXXX XXXX the mortgage loan originator his contact number is XXXX or XXXX NMLS # XXXX / Company NMLS # XXXX. I have also contacted the Loan processor XXXX XXXX XXXX XXXX XXXX , XXXX on Behalf of Lakeview Loan servicing her number is XXXX. 
This has cost me over {$2000.00}. I have sent emails and phone calls still to no avail. Lake view is telling me that they have cancelled it but when my mortgage company goes to check the FHA file is still not closed that lake view has pulled with the FHA. I feel as though they are playing with my finances and my credit by not closing the file they had pulled with the FHA after numerous calls and emails and a form of retaliation because I chose a different mortgage company to do my streamline refinance. 
please help me to get this resolved. I hope they are not doing this to other people. 
this is costing me time, money and energy that is unnecessary. 
if you have further questions do not hesitate to call me. 
Thanks, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am in desperate need of help! I stupidly took a {$300.00} loan from " mypaydayloan.com ''. I actually didn't accept it yet they deposited the funds anyway. I paid {$90.00} by ACH from my checking account on XX/XX/XXXX. I then researched them & was alarmed by what I read. I revoked ACH & IMMEDIATELY requested a mailing address to send payments. They refused & daily threats began. They have said I owe {$550.00} then {$300.00} then {$350.00} ... they have said I must pay a lump sum immediately then have said payment arrangements may be made. I proposed a settlement and AGAIN asked for a mailing address. They now are THREATENING to sue me for {$25000.00}!!! They say they are a Costa Rican company. How is this legal???? What do I do????? Help!!!!! I only ever speak to one person named " XXXX '' who is harassing me for my debit card #. There is no way I am releasing that & I am scared he has access to my XXXX & checking account. I was foolish & need help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on Transunion and XXXX. Also XXXX XXXX was closed off the Transunion on XX/XX/XXXX, but still remains on XXXX and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.