23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the 4th time my home mortgage has been transferred to another company within 3 years. The amount of times I had to create a new log in and handle changing payment set up is tedious and troublesome. 

On top of that, the effective date of the recent loan transfer from Home Point Financial Corporation to XXXX by XXXX XXXX was on XX/XX/2023. That is a Friday on a major holiday weekend. 

I thought I had submitted my mortgage payment for XXXX on time, but I am unsure because I could not find an email or record of submitting it. I tried to verify with my Home Point Financial Corporation online account this weekend, but have been kicked off their system. I have not been able to log in successfully. 

I tried to log in to the new loan servicer, XXXX but their website keeps crashing and is unable to provide more details on previous payments submitted for records from previous mortgage company at this time. 

I am stuck between a rock and a hard place. I have the money for the payment, but I can't verify if I did actually submit a payment. Even if I had not submitted payment before the loan transfer on XX/XX/XXXX,, I can't even submit a payment online through the new loan servicer.
Product: Bank account or service

On XX/XX/XXXX, Simple Bank froze my account without telling me a reason why, but requesting bank statements for all external accounts linked to my account with them. As far as I was aware, the only linked account was the one from which the initial funding came, which was with XXXX, so I responded to their message with that information. After receiving no response, I looked again and noticed that there were two accounts I did not recognize that were showing up as linked to my account, so I sent another message stating so, and again received no response. I have called the customer support line multiple times trying to get any information about what is going on, if they need anything else from me, and to get an idea of when I could expect to be contacted or when the issue might be resolved. The customer service representatives claimed they were unable to provide any of this information and refused to transfer me to a supervisor or to provide contact information for anyone that could possibly answer my questions. I have been unable to access my funds for a week now, and Simple Bank is providing zero information to me. At this point, I have missed bill payments and have no money with which to buy groceries/gas/etc. and I have a rent payment coming up that I am afraid I will not be able to pay because my funds are inaccessible.
Product: Student loan

XX/XX/2019 My daughter submitted release of cosigner form and all of my information explaining my years of being on XXXX and the health reason documents from my doctors about my XXXX. 
I was not allowed to submitted the information nor will the loan company talk or discuss removing me from cosigner responsibilities. 

She received response from the lender stating multiple reasons why I could not be released as cosigner. 


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Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX account with a past due balance of {$1400.00} was removed from my credit report as I requested pursuant to the FCRA requirements. XX/XX/XXXX, the collection account was reinserted on my consumer report. It's now XXXX and I was not notified in writing within 5 business days, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also I never gave this agency written consent to add this collection to my consumer report.
Product: Checking or savings account

XXXX. XX/XX/XXXX {$3500.00} - I called bank that it was unauthorized XXXX transaction XXXX. XX/XX/XXXX {$1500.00} - I called bank that it was unauthorized XXXX transaction XXXX. XX/XX/XXXX {$1800.00} - I called bank that it was unauthorized ACH transaction Starting in XXXX, I began experiencing unauthorized ACH transactions in both my personal and business accounts with XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 

For XXXX XXXX XXXX, the issue was resolved as I promptly reported the XXXX fraud, and the bank successfully reversed the transactions. However, XXXX XXXX XXXX refused to dispute the unauthorized transaction, citing that the XXXX window for cancellation had passed. They instead recommended that I contact the firm where the funds were withdrawnXXXX XXXXXXXX. 

Upon reaching out to XXXX XXXX and providing transaction details, their team located the funds and froze the account in question. They informed me that they had contacted their bank, XXXX XXXX, to initiate a return of the funds to the originating account at XXXX XXXX XXXX, which would take up to 120 days. 

After waiting 120 days without receiving the funds, I followed up with XXXX XXXX. Their fraud team acknowledged that they had submitted the request to their bank but stated that an issue had occurred, requiring them to resubmit the request. They assured me that the process would take another 120 days. 

After the second XXXX period elapsed with no resolution, I contacted them again. Initially, they responded that, according to their records, the funds should have already been returned to the originating account. When I pointed out that no funds had been received and asked for details on the account to which the funds were supposedly sent, they quickly changed their stance, stating, " This is currently under review. '' The last email I received from XXXX XXXX advised me to contact the bank of the originating account for further inquiries. 

Despite multiple follow-ups and extended waiting periods, my funds have not been returned, and there has been no clear resolution. I am seeking immediate clarification and action to recover my funds.
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the Equifax data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - 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 XXXX XXXX XXXX XXXX XXXX  These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite Equifax 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : 1. Emotional distress caused by the breach and its consequences.

2. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues.
3. Any legal fees incurred while attempting to rectify this situation.

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the Equifax data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, US DEP XXXX XXXX DPT ED/XXXX, DPT ED/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX REV, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Product: Debt collection

Good afternoon this is XXXX XXXX. I just received a letter in the mail yesterday stating that I owe Fifth third bank {$230.00}. I havent used that account in almost a year! I attempted to close the account but the banker told me I couldnt close it with XXXX XXXX cents in the account. There is nothing that cost XXXX XXXX cents to get rid of it. I left the XXXX XXXX cents in the account and never used it again since I wasnt allowed to close it. I do not owe them any money. My account was not in the negatives when I stopped using it. I understand today is the last day to contact you about this issue, so please let me know if this can be resolved. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : TRANSUNION XXXX XXXX XXXX XXXX date opened:XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX  XXXX date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, & XXXX XXXX  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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Commerce Bank illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XXXX XXXX of 2024 that's the first time that it showed up on my credit report with XXXX we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX XXXX XXXX this is illegal and they know it they've been contacting more than a hundred times in the last XXXX XXXX to remove this from my credit report and I want all negative remarks from this company removed from my credit report now
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows two separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.
Product: Debt collection

The company of True Accord continues to excessively contact me via phone calls, emails and text message. They communicate with me daily to collect a XXXX $ debt that I simply can not pay right now due to multiple factors. They reach out to me excessively, daily. I looked on their websites for ways I could resolve it but the only option is to pay in full which I am not able to currently do.
Product: Money transfer, virtual currency, or money service

Someone stole my irs check and along with that my grandmother identity was compromised and yeah through chase bank
Product: Credit card

I paid the balance on the payment due date as applicable for no additional interest to be charged. However, Paypal Mastercard still billed me for {$4.00} interest which I've paid. The attached statement reflects no additional interest if paid by the deadline ( hi-lited, page 3 ). This has been their process all along but I just realized it today.

Additionally, it is impossible to dispute a payment thru their website/my account online other than a payment made to 'a seller. ' Thank you for your time & consideration.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. 
Upon further review of my consumer credit report, I discovered a number of violations on my consumer report that were previously brought to your attention in a previous dispute. There has been no attempt on your part to correct these violations. I am expressing my concern and bringing it to your attention for a second time. I demand that you remove these items from my consumer credit report. 

ACCOUNTS ACCOUNT XXXX XXXX XXXX XXXX Reporting violations XXXX, XXXX day lates in XXXX of XXXX ; XXXX day late in XXXX of XXXX ; XXXX XXXX day lates in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting violations XXXX day lates in XXXX and XXXX of XXXX ; XXXX to XXXX day lates in XXXX of XXXX XXXX XXXX XXXX Reporting violations XXXX day late in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting XXXX XXXX, XXXX, XXXX day lates in XXXX of XXXX According to FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; TransUnion is in clear violation of 15 USC 1681. This unauthorized disclosure of late payments on my consumer credit report is defamatory, thereby causing me to be denied credit and fair access to homeownership. 
Delete the late payments listed from my consumer credit report immediately. Failure to respond satisfactorily with deletion of the accounts referenced below and a free copy of my consumer report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] Thank for your cooperation regarding this matter. I look forward to your timely response.
Product: Debt collection

XX/XX/year> Amount- {$550.00} I am not liable for this debt with MIDLAND CREDIT MANAGEMENT . I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as I requested. Please delete and remove from my credit report.
Product: Checking or savings account

XX/XX/XXXX I did a XXXX XXXX  transfer the money was taken out of my savings account and never put back I cancelled the transaction and called Wells Fargo they said it was never taken out took my name and hung up still waiting on my money to get put back in my account
Product: Student loan

After recently requesting a " verification of debt '' from Navient due to my account balances appearing to be extended, larger amounts due, and more loans than what I had on file, I received two loan applications and promissory notes. I pay on 3 loans every month to Navient that seen to never decrease in balances and the interest rates are up to 12 % when my records show much lower interest rates. I'm struggling paying these loans due to my financial planning was supposed to have them paid for by now but the loans keep increasing with different balances etc. 

I have loan documents from XXXX and XXXX to include 2 loans one for XXXX and one for XXXX. I'm not understanding where I owe 3 loans according to my account with Navient, 1 at XXXX, 1 at XXXX, and another at XXXX. After paying on these loans with Navient since XXXX I admit I have been confused and not able to track all my school loans and have just been paying what ever is asked of me. Recently after counting up the payments and years of payments it sparked a concern that my Navient loans were not correct and then I found many discrepancies. 

I would appreciate any assistance in this matter.
Product: Credit card

Card was declined due to not being activated. I have the email they sent me on XXXX XXXX XXXX  stating it was declined. Then the charge went through anyway. How can this be?
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I am writing to formally file a complaint against Venmo, a service of XXXX XXXX XXXX, regarding the handling of my recent dispute case ( Case ID : XXXX ) for a transaction dated XX/XX/, in the amount of {$160.00}. 

On XX/XX/, I filed a dispute concerning this transaction, which I believe was processed incorrectly. However, Venmo has denied my dispute, stating that the transaction is " consistent with my payment history. '' I believe this conclusion is unjust and does not reflect the facts surrounding the transaction. 

Despite providing all necessary details, I feel that Venmo 's review process lacks transparency and fairness. The denial did not adequately address my concerns or provide sufficient information regarding their investigation process. 

I would like to request the CFFB 's assistance in investigating Venmo 's dispute resolution practices, as they seem to undermine consumer protection and may violate regulations surrounding fair treatment of users. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I continue to receive harassing phone calls from a creditor/collection agency ( XXXX XXXX XXXX ) that calls me at all odd hours of the day.
Product: Mortgage

I began speaking with XXXX XXXX out of Kansas NMLS # XXXX ( Synergy One Lending Inc XXXX XXXX of XXXX XXXX ) many months ago. He had a lot of promises and professed the best mortgage rates and closing costs compared to others. 

I started a mortgage process on a new condo in XXXX last month. There was a 4 week close time which he said he could handle. As time went on the list of demands for more documents grew. I was quite surprised as the had most any document requested before a contract was drawn and he worked directly for the Lender as well. We asked for multiple extensions as the " new list '' of requested " letters of explanantion '' and Condo documents outstandign was always there. Several times I advised if we keep this up, I will be in default and potentially lose $ XXXX in earnest money already provided. He shrugged everything off as the seller and his agent were unrealistic. I quickly told him, we set up the contract based on what he professed was necessary to close the deal. 

As time to close drew near, the surprise was even more costly. I had asked for A " LOCK NOTE '' to ensire no surprises come closing costs. He assured me that the original document provided was exactly that and I had nothing to fear. A few days before closing, the settlement statement was furnished for me. The closing costs had ballooned to $ XXXX above the original estimates on a XXXX loan. The closing noted that Synergy One Lending was my Lender leaving no possiblity that a mysterious outside source was the culprit. 

Furthermore, i was advised they had no interest to keep the loan either. I feel robbed and cheated. The broker went out of his way to promise a quick turnaround which I feel he had no chance of producing to steer me from other lenders. He made promises in writing to closing cost estimates making him look competitive again to lure consumers to his great deals, but come closing, the costs skyrocketted.