23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Had a heloc with Bank of America for several years ( XX/XX/XXXX - XX/XX/XXXX ) then I got it modified. While making the principal and interest payments the first two years everything was fine. Then in XX/XX/XXXX I started making extra principal only payments of {$300.00} and my regular payment of {$300.00}. I saw that they misappropriated the {$300.00} so I called them. After calling them they made corrections. Also another person said not to make extra payments on bill pay. So he walked me thru paying it using transfers and labeled it principal only. Again in XXXX - XXXX again my money was misappropriated. I called in a lady made corrections up to XXXX. She couldn't make corrections for XXXX - XXXX, where they made all interest payments. They said that because I satisfied the principal payment the rest was used to pay interest of {$360.00}. I've called them many times nothing happened. I opened to case reviews again nothing. XXXX XXXX at a BOA branch talked to them for about 2 hours again nothing. Therefore she filed a complaint. Still I have not heard anything. I called them 2-3 times after the complaint was written still nothing. So I went to another bank got a loan and paid BOA off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of several inquiries from my credit report with Experian. I contacted Experian 's customer service department on XX/XX/year> at XXXX XXXX and spoke with XXXX, but they did not help resolve my concerns. These inquiries are negatively impacting my credit, and they need to be addressed. 

The inquiries I am requesting to be deleted are : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, only authorized inquiries should be listed on my report. These inquiries were either not authorized and I believe they are a violation of my rights under the FCRA, which ensures that consumers have the right to accurate reporting. 

I expect these inquiries to be deleted from my credit report as they are unjustly harming my credit score, and I have already attempted to resolve this directly with Experian.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Im writing to express my concerns about a few issues I've encountered with the credit bureau. These issues include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. I need assistance in resolving these matters to ensure my financial security.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I logged into the Amex app to check my XXXX XXXX XXXX. I noticed my credit score was abnormally low so I requested within the app to see my full credit report. I was prompted to provide my last four digits of SS card I did and I was given access to the full credit report.I can see they were display XXXX XXXX XXXX. Birth year XXXX. Current address. XXXX XXXX XXXX XXXX XXXX, XXXX, NM. And more detailed information as past inquiries, open accounts, balances, etc. 

My name is XXXX XXXX, XXXX birth year. 

I contacted Amex through their chat option requested an Actual agent not robot to inform them what was happening. I was told They would fix it. come Monday I am still able to view. 

Tuesday I am still able to view. I also called XXXX. This connected me to an experian agent. Who verified my personal information and confirmed I indeed am not seeing my credit report details but an other individuals info. this agent transferred me to Amex customer service agent. I explained the situation to them. They said that the corresponding department is closed for the day provided me with XXXX. They said this is American Express credit bureau unit but they are currently closed. 

XXXX  I called the XXXX XXXX number and talk to a lady from the business side and explain to her the situation. She emailed another department and said someone will be reaching out to me. 

Thursday I am still able to view XXXX XXXX Credit report through amex app and no correspondence with any AMEX representative. 

Friday, XX/XX/XXXX I am still able to view XXXX XXXX credit report, and still no correspondence with AMEX. 


My worries are someone is viewing my credit report information.
Product: Debt collection

Hello, I am filing a compliant about a Debt Collections agency called Convergent Outsourcing. I had an old phone bill for XXXX sent to them. In a piece of mail and on their website they falsely claim to make a settlement for the amount owed. On their website they claimed if I made a payment for XXXX my debt would be cleared. It has still never cleared, when logging on to review my account with them it is asking for another amount to settle the account. I have XXXX screen shots attached below. I have also emailed them multiple times and never get a response. I would like to clear this off of my credit report as I plan to join the XXXX next year and can not have accounts in collections. 

thank you.
Product: Student loan

I am requesting the exact reason my loan was School Misconduct Discharge has been denied. I am also requesting a copy of my signed loan agreement with the company.
Product: Mortgage

Amerihome has a new website : During website account registration, and each and every time we log in, we are forced to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy policy We do not want our information sold or shared with non-essential affiliates or marketing companies. However, our attempts to contact AmeriHome for clarification by - calling " customer support '' ( XX/XX/21 for over an hour ) - XXXX - email - XXXX ( XX/XX//21 ) - send an online form with our question per their " IT '' person 's request after calling AmeriHome 's customer support number again - XXXX XXXX Incident : XXXX ( XX/XX//21 ) are confusing or ignored, by either AmeriHome 's customer service line, their IT Dept, and XXXX. 

Called today ( XX/XX//21 ) to confirm that we are opted OUT of AmeriHome / XXXX XXXX marketing / sharing or selling of our loan or PII data after logging into their website today and having to agree, yet again, to their Terms and Conditions and so-called Privacy Policy, yet could not get a clear answer. When asked by customer service if we opted in, in fact, Yes, we have opted in because FORCED to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy Policy in order to look at this website to review our current 's month 's loan activity and e-document messages. 

We are finding AmeriHome 's lack of clarity, conflicting information, and our inability to ask for and remain opted-OUT very shady. Is this not a banking / mortgage institution, or in fact, a free-for-all shady data sharing company? AmeriHome customer service does not appear to be aware of their own IT Dept 's, XXXX, data sharing activities, or if they are, they are hiding behind their vendor 's activities : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX This account has been settled, and I request that the remarks in the comment section of my report be removed to reflect this resolution. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Student loan

XXXX XXXX, XXXX Dear Consumer Financial Protection Bureau, I have XXXX loans with PHEAA and have paid $ XXXX monthly for 8 months ( since XXXX XXXX XXXX as part of the PHEAA Defaulted Student Loan Rehabilitation Agreement. 

PHEAA stated in the Student Loan Agreement Letter that they would not charge me more than 16 % interest in the PHEAA Defaulted Student Loan Rehabilitation Agreement ( please see Bullet XXXX attached ). 

However, PHEAA has continually been charging me 18.5 % interest or more on all XXXX loans. 

I have sent PHEAA emails and letters showing this 18.5 % error and calculating the correction, yet PHEAA has never contacted me, addressed my letters, nor corrected their mistake in applying excessive interest towards my XXXX rehabilitated loans. 

I write to resolve this situation and correct the Loan Interest to the agreed 16 % or have PHEAA delete the interest due altogether. 

Thank you for your extraordinary work. 

Respectfully, XXXX XXXX cc : XXXX Colorado
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Have been talking to them online and by phone since XX/XX/year>, numerous times. Never let me leave XXXX plan or have my loans forgiven. As they should be since I reached the XXXX payments ages ago through XXXX. Keep sending me back to Dept of Ed. However, Depr of Ed constantly tells me MOHELA is the problem and should process my loan accordingly and forgive it all under XXXX. Its the same cycle for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as XXXX XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with XXXX directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.
Product: Debt collection

I am writing this letter to request an investigation on my account inquiry that Wells Fargo authorized for disbursement to Legal Recovery Off-set on XX/XX/2021. On this date, without my authorization or notice, Wells Fargo on its own allowed the withdrawal of {$7900.00} from my account ending in XXXX. I did not recognize the account or its connection to me. The money that your bank authorized for withdrawal was money from my unemployment claims and at these difficult times and pandemic, I use that money for survival and necessity. 
After the intense research, it comes to my surprise that this withdrawal was associated with a Judgment from the lawsuit XXXX. When I learnt of the withdrawal, I was instructed to call the Sherriff department where they usually withheld the money before disbursement. However, the Sherriff informed me that they did not know of this judgment or lawsuit. Your bank had authorized an unlawful transaction without notice or go through a proper verification. 
I want to formally dispute the lawsuit XXXX with the balance of {$15000.00}. I was and am a victim of identity theft because someone illegally used my personal information to open a loan or credit card in the stated lawsuit. Further, I have never received any form of communication regarding this fraud account. I just figured out this serious matter after your bank authorized the withdrawal associated with a Money Judgment from the Court of XXXX XXXX County ( Case number XXXX ). I was never served or received summons to go to the court and defense myself on this case.
Product: Credit reporting or other personal consumer reports

Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is below : Date : XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Phone : XXXX Date XXXX/XXXX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX  XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX No Phone Provided Date XX/XX/XXXX XXXX XXXX XXXX  No Phone Provided Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Phone : No Phone Provided Date XX/XX/XXXX XXXX Phone : No Phone Provided Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX  Phone : XXXX Date XX/XX/XXXX XXXX  Phone : XXXX Date XX/XX/XXXXXXXX XXXX  Phone : XXXX Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.
Product: Credit reporting

XXXX SHOULD NOT BE ON MY CREDIT FILE. IT HAS BEEN REMOVED FROM THE CREDITOR. AFTER MY DISPUTE WAS SUBMITTED XX/XX/2017 AND INVESTIGATION WAS CONPLETED. I RECEIVED A CONFIRMATION LETTER OF REMOVAL FROM THE CREDITOR XX/XX/2017.IT WAS REMOVED BY TRANSUNION.THEN PLACED BACK ON MY CREDIT FILE FOR UNKNOWN REASONS. ALSO LISTED AS A COLLECTION. WHICH IS INCORRECT
Product: Debt collection

I haven't received any notification of the debt owed and only found out through checking my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent entries being added to my credit report without my knowledge or consent. XXXX Unauthorized accounts and XXXX inquiries have been placed on my report, and I did not authorize any of these actions. 

- Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) and now request the immediate removal of these fraudulent items. This action is necessary to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I have made huge strides in clearing up my credit to include removing a recent debt with XXXX XXXX. Please Refer to Complaint ID # to XXXX Date XXXX. The result was that XXXX XXXX  removed a debt off of my credit report completely. This has been notified to all 3 credit bureaus. I have my current score with XXXX as well as XXXX with some improvement in score. However Experian has notified me as " unscoreable '' as my debts that were terminated whether settled or deleted by the debt collect now shows that I have nothing to score. How is it that I can get scores from the other bureaus but not Experian? I have added my credit card that has yet to make an impact and I tried having my phone company submit pay history and bills but still Experian has not budged on a scoring for me. My husband and I are trying to avoid homelessness as we are trying to purchase a home. He is a XXXX veteran who will need to utilize the veterans home loan. For that loan, they need both parties credit scores from all 3 bureaus. His end all 3 show, mine however show 2 out of the 3 bureaus. Experian ruling me unscoreable is the only reason our loan can not go through. XXXX has me scored me with a XXXX credit score and XXXX has scored me with a XXXX credit score. I've cleared everything on my credit in a short amount of time with the highest of patience in the process but with this being the last thing I need in order to purchase a home with my husband, I really need to have some type of score posted via Experian to have our loan be able to go through. I don't know who else to turn to. Please help.
Product: Debt collection

****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and  United Collection Service  these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all  3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.  <P/> In th e US  law encyclopedia,  XXXX   XXXX ,  73 Am Jur 2d.  Sections  90-93  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Mortgage

I refinanced my home last XXXX and my loan was serviced by a company called The Money Source. In XXXX, I received a letter stating that the servicing of my mortgage was to be transferred to a company called XXXX XXXX on XXXX. Not only did The Money Source failed to transfer my loan to the new servicer, they also transferred a payment to XXXX ( where I didn't have an account ) and didn't credit my account. My credit scores for XXXX and XXXX were trashed and I continued to receive irrational phone calls and harassing delinquency letters from them. I called them at least 10 times and spoke with a different customer care employee each time without resolution. I eventually had to demand to talk to a supervisor who also couldn't find where my payments were. I was eventually connected with their Vice President of Customer Care. I attempted to explain to her how much time and effort was expended on my part to clear my good name as well as tracking down my payments which were not late. My loan was finally transferred on XX/XX/XXXX. The only things that I ever received from them were empty apologies as well as collection calls and delinquency letters. It is my hope that I can shine a light on their terrible " customer care '' and perhaps prevent this from happening to other clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that DT CREDIT has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT CREDIT takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system