23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm trying to pay my morage. I went online at home point fina. it would n't let me make a payment so I call and the agent took my payment but charged me XXXX fee then said that it would be unlocked to make my next payment .. I went online again to make another payment and again would not let me make a payment .. today I call and the agent said that she could not accept my payment that it would have to be XXXX XXXX to her she was very rude when I asked for a manager she denied me a manager. saying there is nothing that can be done but to XXXX XXXX my payment and I have intel the end of XXXX to make my payment. my payments have never been returned to my bank. they bought out XXXX XXXX who is who I signed the loan papers with. and I never had a problem with them.
Product: Mortgage

I have been applying for a mortgage through US Bank. I use a local bank and they sell their loans to US Bank. The Underwriting team at US Bank has been completely unprofessional throughout the process. Whenever they have requested documents I have provided them in a timely manner. After that happens the underwriting team changes what they need. They have been unavailable for any discussion and continually put my loan request at the back of the pile with no regard for my scheduled closing date. My closing was scheduled for last Thursday at XXXX. At XXXX that day, obviously 4 hours prior to closing, US Bank made up a new issue that prevented me from closing. I immediately took care of that issue, and yet we are now a full week since that time and the Underwriter is showing no urgency at getting back to my file. I am sitting and waiting. I feel that this is an unacceptable way to treat a customer, and simply an unacceptable way to treat a human. When I have tried to resolve the matter with US Bank they tell me that they can not help me without a loan number, but my issue is the failure from US Bank at processing my loan request so I can not provide a loan number. It also takes a full week for US Bank to respond asking me for my loan number on a complaint involving them not finalizing my loan. I wish I had a loan number, if that were the case I would not have a complaint. I would like US Bank to treat me as a valued human being and resolve my issue.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my account was frozen and it has my {$1700.00} dollars and it says that I have Refunds.in my balance, but it's not there
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXi Account # 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.
Product: Vehicle loan or lease

XX/XX/2017 i cosign on a car loan. which was approved but when doing the terms on the contract what they did was include the borrowers bad credit score when they made up the terms. just recently i found out that they were charging in interest fees. they new that by including borrowers bad score that it would bring interest rate sky high. had they just used my score which was in the 700 's this would not be happening. in thinking back i remember the forms i recieved but do not remember recieving the terms to the contract especially with that high interest. i would not have excepted those terms. i contacted them on the XX/XX/XXXX to ask why was the interest so high and thats when i found out that they included borrowers score as well. i ask for the contract to be sent. on the XXXX i ask again for the contract, still have not recieved it and on XX/XX/XXXX i called again. so im having problems getting the contract. in speaking to the rep at santander she inform me that they did not make up the terms of the contract that it is done by the dealership, they just do the financing, so she is blaming the dealership for this. 1/2 the payment is going to interest. i truly believe borrowers did not understand what he was doing. the financing co. is santander consumer usa in XXXX texes. but now after what i was told by the rep, i dont know who is responsible for this action. i dont believe it was the dealership but that it was santander because they are the people eho do the finanacing. the dealership is XXXX XXXX XXXX in XXXX az on XXXX. i contacted XXXX XX/XX/XXXX through email. cant get the contract so i have no other information. one thing i certain is that i did not recieved the contract.
Product: Debt collection

XXXX XXXX now called XXXX XXXX XXXX XXXX XXXX XXXX XXXX is calling someone else talking about my personal information Ive asked for what this is in writing and no response Ive also disputed this on my credit report
Product: Credit card

I am writing to formally lodge a complaint against Discover Card for what I believe to be discriminatory practices, excessive and unjustified account hold procedures, and unreasonable identity verification demands, all of which have caused me significant distress and financial inconvenience. 

In XX/XX/year>, I applied for a Discover credit card, which I was subsequently approved for on XX/XX/year>. Upon receiving the physical card, I discovered that my account was immediately placed on hold, with Discover stating that additional identity verification was required. Over the past month and a half, I have complied with every request, providing an extensive array of personal documents, including my school transcripts, identification, bank statements, and tax returns. Despite my full cooperation, Discover recently informed me that I must redo a notarized form due to a supposed error in one statements balance, with no opportunity to clarify the discrepancy.

Discovers actions appear to be arbitrary and discriminatory, which I believe may be based on my race and geographic location. The continued demands for repetitive documentation, the lack of transparency, and the absence of a formal adverse action notice as required by the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) ( 2 ), raise serious concerns about Discovers adherence to fair credit practices. Under ECOA, creditors are prohibited from treating applicants differently based on race, national origin, or other protected characteristics. Discovers decision to repeatedly delay my access to credit without explanation suggests discriminatory treatment and violates my rights under ECOA.

Additionally, Discovers inconsistent and overly burdensome identity verification requirements likely constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA calls for fair and consistent identity verification processes, and Discovers refusal to allow me to clarify minor errors without redoing extensive documentation creates unreasonable barriers. This practice also aligns poorly with the Consumer Financial Protection Acts ( CFPA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provision, 12 U.S.C. 5531, which prohibits creditors from causing substantial, unavoidable harm to consumers. Discovers arbitrary delays have already hindered my plans to use this credit for acquiring an income-generating asset, causing financial and emotional harm. 

Furthermore, I am concerned about the security of my personal data under the XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801. Discover has not explained how they are handling my repeated submissions of sensitive documentation, which raises potential compliance issues regarding the safe management of customer data.
Product: Credit reporting or other personal consumer reports

Enclosed with this letter, please find a copy of Form 1099-C ( Copy B ) issued by XXXX XXXX for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records. I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing. Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading. I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - Copy B
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that my ex husband, XXXX XXXX XXXX, has had an extensive, documented history of credit card and identify fraud. After requesting a copy of my credit report via TransUnion, I learned that I am one of his most recent victims. 

Although my actual birth date is XX/XX/XXXX, the report lists XX/XX/XXXX. I have been employed by XXXX   XXXX XXXX Hospital since XXXX, however the credit report lists my occupation as a XXXX XXXX at XXXX XXXX in XXXX  XXXX, TX -- -one of XXXX XXXX most recent places of employment. 

XXXX 's credit history is quite arguably one of the worst ever known. I recently obtained information that his driving record was suspended in XXXX until the year XXXX. By utilizing false documents and credit information, he recently obtained a XXXX.
Product: Credit card

I applied for a credit card with XXXX XXXX XXXX store and the application is through Synchrony Financial. Upon reading the items that I am agreeing to on the application, the first one reads : " I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ). I also provide my consent for SNYCB to provide information about me ( even if my application is declined ) to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ) so that they can create and update their records, and provide me with service and special offers. '' There is no way to opt out of this and basically, a condition of the credit application forces me to allow them to market my personal information to outside companies. I do not want to allow them to do this, but then I would not be signing the agreement and unable to obtain credit. I do not believe it is fair for this company to require me to allow them to market out my personal information as a condition of applying for credit. I would like this matter investigated. A copy of the application is attached.
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. 
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 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. 
Chapters VIEW ALL
Product: Mortgage

I 've been in contact with Bank of America for over 45 days ago trying to get a second mortgage lien released which the terms have been fulfilled since XXXX XXXX. BofA should have been processed via their lien release with the county within 60 days of the terms being fulfilled according to Louisiana law. Well here we are 1.5 years later and I am trying to close on a HELOC and appears a title problem because BofA did n't do it 's job. I spoke with customer service ( about 3 rude people saying I should have followed up on this in XXXX and not knowing the proper procedure in their system to request this and about 5 nice reps ). I first asked for a Cancellation of Lien Instrument at the beginning of XXXX. A rep XXXX XXXX ( who 's name is not found later nor his extension he gave me ) faxed me Payoff Letter of Satisfaction on XXXX with all the wrong dates of the payoff and told me this would satisfy my request. Later I call back stating that my lawyer says this is NOT acceptable. The next rep stated that my servicing loan officer and their title lawyer needed to file for the request ( she was clueless ). Finally, after many long holds one of the reps knew what she was doing and created an escalated request for the the lien release with a request ID of XXXX, except escalated is still very slowly and has caused a major headache. The problem is that was a month ago and anytime I call I get a run around about the status being in progress and to call back the next week. I 've had a lien released before and it took the company less than two weeks to complete the paperwork and file with the county. Where my frustration lies is that I 've been given a request id over a month ago and most recently a direct number to an escalated team member XXXX XXXX XXXX ext XXXX who wo n't return my phone calls ( 2 voicemails ) and a rep has supposedly sent her an email to call me. When I call customer service they only say it 's in progress ; this is an unacceptable answer. I have made it very clear in several attempts to express the urgency of this matter being that it is hindering progress on my closing, but no one seems to care enough. My patience has run thin I 've called in weekly and sometimes twice a week so I 'm now I 've been led to file a compliant with CFPB as suggested by my lawyer. Bank of America has to do better with their business processes or at least have someone you can talk to who can get things done in a true escalated fashion. BofA is a large corporation with a huge staff surely they can handle such a menial task one would hope. This makes me never want to do any business with them regarding mortgages ever again.
Product: Mortgage

I have been trying to work with Dovenmuehle Mortgage to complete a loan modification related to COVID-19. I have been actively trying to resolve this issue and bring my loan into good standing since XX/XX/XXXX. 

I have receive completely contradictory information, lack of response and incorrect information from Dovenmuehle Mortgage. 

Without my knowledge or approval Dovenmuehle entered me into a Payment Deferral Agreement that I can't afford nor did I agree to. 

I've submitted a Qualified Written Dispute to Dovenmuehle to the e-mail address one of their employees provided. That request was sent on XX/XX/XXXX, I have not received a response or confirmation of receipt as of XX/XX/XXXX. 

On every call I asked to speak to a manager who can actually provide clear answers and updates and I've been denied each time. I've had one employee hang up on me and others disconnect the line because I've advised I will hold as long as I need to speak to the 'Specialist ' Dovenmuehle indicated is assigned to our loan. 

The standard response from representatives of Dovenmuehle 's Loss Mitigation department is they can't speak to prior conversations or discuss why a co-worker provide information that conflicts with the information they are providing. 

It is extremely frustrating that a company is allowed to operate in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act.

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days.

The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed.

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.
Product: Debt collection

an account was opened in my name in XXXX  at a XXXX XXXX XXXX  This is not me I have never opened an account at this company. I was made aware of the situation when I bought my new car. XXXX reported it on the credit report I have reached out to XXXX and also the company that reported it as not paid and turned over to collections. The company in question is ACIMA DIGITAL XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX are reporting inaccurate information to the credit bureaus. I sent a complaint about XXXX XXXX  reporting that I owe a certain amount for a repossession, when I have never received a letter that states the vehicle was sold, how much the vehicle was sold for, and how much do I owe. Theres no proof of this vehicle being sold at auction, therefore, there is no proof of me owing what they claim I own. This goes against the FCRA laws. And now they are reporting inaccuracy on how much they claim I owe. First they claimed I owed {$8900.00}, and a few months later now they claim I owe {$8700.00}. Again, there is no proof that this debt is owed. No proof that this vehicle was indeed sold at auction. I am sending screenshots of the inaccurate information.
Product: Credit card

XXXX XXXXXXXX XXXX  card for {$52.00} ( ORDER # XXXX ) on XX/XX/year>. 
Request refund on XX/XX/year>. I bought a XXXX XXXXXXXX XXXX card for {$52.00} ( ORDER # XXXX ) and a XXXX XXXX camera ( ORDER # XXXX XXXX ). After installing the camera, it didn't work properly, so I requested a refund through XXXX. XXXX instructed me to take both items to the XXXX store for return shipping without packaging either item. I followed their instructions, but XXXX has only refunded the money for the camera, not the XXXX card. I believe I followed their instructions correctly, so if there's any issue, it's with UPS, not me. I want my money back for the XXXX card as I have returned both items. Capital One received my complaint and all the evidence asked for, including the item 's shipping label back to XXXX. If XXXX refunded the camera, it also means that they received the XXXX  card. UPS PACKAGED THEM BOTH TOGETHER.
Product: Debt collection

I believe this could be a collection scam. They company name is XXXX XXXX XXXX XXXX, phone number XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, which is for an office building in XXXX XXXX, and there is no listing of that company there. I XXXX got a phone call from someone who claimed to be a process server from phone number XXXX - this has no matches on the web. The person on this call said I was about to be served and wanted to make sure I was home to receive the summons. He refused to tell me what it was about but gave me another phone number to call and a case number. I called that number, XXXX, and a very rude person who took my call said I had a loan I took out in XXXX  from HSBC bank, for over XXXX, but I don't recall taking out a loan like this. I also believe that if this was a legitimate debt, it is past the statute of limitations for collections. They refused to provide proof of the debt when i asked for it. They threatened to have my wages garnished by XXXX XXXX, which is not legal in my state. They sent me a generic collection letter via email with a company name that I can not locate on the web, XXXX XXXX XXXX XXXX. I also looked up their phone number online, XXXX, and nothing matched. I believe they are trying to scam me.
Product: Student loan

I am a totally and permanently XXXX veteran ( 100 % service connected ). I applied for the student loan debt cancellation program in XX/XX/2017. However, in preparing my taxes for 2017, the debtors tax forms is showing the student loans as income and is crushing me with taxes that are far outside of my financial means. That is why I got the student loans in the beginning. This is a catch 22. I never received the money as income but aid for college. Help.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. This company is also not reporting accurate information across my credit report. The date opened is wrong, the last payment date is wrong. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts off of my credit report. I will be seeking the maximum amount for every violation.
Product: Credit reporting

I have an old XXXX situation on my credit report, and the credit reporting agency will not do anything about it. They will not give me proper investigation results. Please can you help me with this matter?.
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 ( 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. 

These are the accounts that I've marked as inaccurate or fraudulent : XXXX. XXXX XXXX