23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US  Bank did a loan modification for which I received their agreement and signed in  XX/XX/XXXX . I have not missed ANY payments since that modification. I am now being told my loan is in default for payments not received from BEFORE the modification agreement began. They are also now refusing to accept any more payments from me, unless I pay back from 7 months PRIOR to the modification agreement.  <P/> Required Trial payments, which were a prerequisite of the modification were done  XX/XX/XXXX  XXXX  XX/XX/XXXX . It appears  US Bank  then typed their paperwork effective  XX/XX/XXXX , with payments being due  XX/XX/XXXX . However, the original modification was not received until  XX/XX/XXXX . It has numerous errors of which we filed a dispute. Some of the errors were corrected & the newly Corrected Modification packet was not received by me until  XX/XX/XXXX .  <P/> The modification agreement was not received by me until  XX/XX/XXXX . This can be verified by page  1  of the modification wherein it states  ( Executed  on this day :  XX/XX/XXXX  ).  Page 1 of t he modification agreement also states " Cash amount required '' "  1st  Modification Payment of {$810.00} '' is due within 14 days of receipt of the modification. This further validates that payments were expected to begin in  XX/XX/XXXX  & not  XX/XX/XXXX .  <P/> Why am I being held responsible for payments PRIOR to the modification agreement? Especially since the modification states that payment amounts and due dates would be modified after I sign and return a copy of the agreement to  US B ank. To require a person to began a modification in default defies the purpose of a modification and has to be illegal. When you accepted my initial payment with the modification in  XX/XX/XXXX , I would have already been 8 months behind if your XX/XX/XXXX  due date was correctly written. You also did n't notify me of this  XX/XX/XXXX  date until  XX/XX/XXXX   <P/> I spoke with  US B ank employee  XXXX   XXXX  on  XX/XX/XXXX  at @  XXXX  CT, who confirmed this mistake and said the modification payment  1st d ue date should NOT have been for  XX/XX/XXXX  as you all did not execute the agreement until  XX/XX/XXXX . He asked me to email him &  XXXX   XXXX  and they would initiate an Appeal. However to date despite my numerous attempts to reach them and multiple other  US  Bank employees, NO ONE WILL RESPOND!! I have spent hours on the phone trying to get this resolved to no avail.  <P/> I am  XXXX   years old wi th a  XXXX   XXXX . I can not continue to handle this undue stress and the thought of losing my home that  US B ank is imposing on me as an il l Senior Citizen.  It appears  US B ank is looking for a reason to take my home and leave me homeless for their benefit, even though I have made all my payments since the modification. How many poo r Senior C itizens have lost their homes because they do n't have the strength to keep fighting wit  h US Bank and US Bank wins in the end?!?
<P/>  Thanking you all in advance for your prompt attention to this matter.
Product: Checking or savings account

My account was closed because of fraud and unauthorized transactions performed by a XXXX hacker cell that took over my account both checking and my credit card. I filed a dispute for funds that were stolen from my account by this same individual for {$1700.00} and the day I was supposed to receive those funds returned to me was the day they chose to close my account after my account was flooded by deposits from XXXX that was caused by this hacker in my account I had no control over. I filed for identity theft with XXXX and with the FTC and Capital One determined that it was indeed identity theft yet they have not given me back my account nor have they returned my disputed funds that were stolen by the hacker that I was denied and I desperately needed. This action has caused me to lose my fifteen commercial trucks and trailers as well as my storage units because I could not pay the rent on their storage. I would like to have the opportunity to have my accounts both checking and credit card reestablished and my funds returned to me. The treatment Capital One gave me was completely unfair. I was treated as if I were the actual hacker creating chaos in my account but I was not and had nothing to do with what he did nor would I have had any part in it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint because I am a victim of identity theft, my credit report shows fraudulent information
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

there are several names on my credit that i never went by and addresses that i never lived at. i contacted experian to correct and they refuse to remove any names or addressess. i am concern this is a product of identity theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

I looked at my EQUAFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Nothing they just send me to different people being on hold for a long time dragging out the situation not doing nothing
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

Several weeks ago, I initiated a loan consolidation through XXXX for all of my student loans managed by Navient. Doing so, would lower my overall interest rate for each student loan. On XXXX XXXX ( XXXX XXXX, I received a confirmation from XXXX that the monies had been sent to my previous lender : Navient. Monday, XXXX XXXX ( XXXX ), I set up auto-payment with my new provider to take advantage of an additional ( XXXX ) discount on my new interest rate. Also, on XXXX XXXX ( XXXX ), I received an outstanding payment notification from Navient. I was surprised by this because I was expecting that all of my monies would have bee processed and my accounts closed with Navient. 

So, I decided to call Navient and learn what was holding the consolidation monies from paying off my account. In my conversation with a representative, I learned that Navient rejected the consolidation payment. When asked, " why? '' I was told that my account had a comments stating that I requested for the consolidation payment to be cancelled. When I pushed for more details from the representative about who could have made such a decision on my account, and when that communication was made, the representative offered to put my account in Forbearance to bring my account up-to-date and to escalate the issue to ensure that the consolidation monies are reactivated and processed. I am reporting this issue because I doubt that anyone instructed Navient to cancel my loan consolidation payment. Moreover, the representative 's handling of the situation allowed them to use this situation as a reason to change the current terms of my loan under the guise of doing me a favor. This will end up costing more money as a end result, because forbearance allows interest to accrue daily, which is more than 1 XXXX the existing payment plan that I already had with Navient and 2 ) the new plan initiated with XXXX. 

After speaking with the Navient team, I contacted XXXX to see if they had received any communications from Navient w/r/t cancelling my student loan consolidation payment. They confirmed that their offices had not received any notifications of such a change. 

I would like the CFPB to look into this matter because there seems to be no room for recourse should Navient choose to further delay my loan consolidation payment from XXXX. Furthermore, it would put me in a situation where I am obligated to pay two loan companies for the same debt.
Product: Credit reporting or other personal consumer reports

I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX disposition date : XX/XX/XXXX -case # XXXX disposition date : XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Several months ago, I contacted Regions ( formerly Enerbank ) due to a financial hardship to explore a temporary hardship program that could help me bring my account up to date and protect my credit. I enrolled in the program, but it proved unhelpful, as late payments continued to be reported and the payment terms remained the same. Consequently, my financial situation worsened, though I kept making the required payments. 

Since I received no further assistance from Regions, I opted to join a debt consolidation program recommended by my credit union. When Regions reached out to me, I informed them of this decision. However, they contacted me again today, both by phone and email. I reiterated my situation in response to their email. 

In my communication with the Regions employee, I mentioned my experience with their hardship program and explained that it was not effective, which led me to seek help from XXXX XXXX. XXXX XXXX, the employee I was corresponding with, replied by warning that most debt consolidation companies can harm your credit by waiting for accounts to charge off, and that Regions wont settle for less than the full balance, leading to a negative report for seven years. His response seemed aimed at discouraging me from pursuing this option. 

I clarified that I was aware of the implications he mentioned regarding credit reporting. I explained that I couldnt benefit from their hardship program since the payment and interest rate remained unchanged. I also noted that once the account charges off, I would no longer incur daily interest at the 18 % rate. I expressed my commitment to repaying as much as I could. Additionally, I raised concerns about how Regions had reported this account as a line of credit rather than an installment loan, which significantly impacted my credit score and hindered my ability to refinance with my credit union for better terms. Despite my repeated attempts, I had been unable to get them to report the account accurately. 

XXXX XXXX next response was alarming. He not only threatened to mark my account as " intentional negligence, '' but also stated that Regions would not cooperate with XXXX XXXX and that collections would proceed. Such threats and accusations are abusive ; the FDCPA prohibits debt collectors from making such claims. Although XXXX XXXX isnt a debt collector, he works within the collections division at Regions, and similar standards should apply. Documenting this false claim in my file is unacceptable, and those who operate with deceit and intimidation should not be handling sensitive consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXXXXXX has not responded.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX Im a hard working XXXX  in XXXX XXXX Maine resident. on XX/XX/XXXX I traded for millions of Gyen.x on Coinbase. Later that afternoon the price went way up and Coinbase. My account said I had 10x what I bought and they wouldnt allow me to sell! Then minutes later they froze the ability to trade. They actually took away the sell button and access to our funds for weeks leaving us not able to get out when it crashed back down! I invested about XXXX $ for my family. They did not allow us in our accounts for weeks. After they did it was down thousands. Then later that week the completely locked up my account, took all my money out and said I owe them for a transfer that I didnt make to another digital wallet. I dont have any digital walletss! All of the transactions has long since cleared. I told everything that happened and they have done nothing to fix it! I have multiple screenshots to prove everything that happened including the sale history with my purchase in the millions of GYEN.x later changed to only thousands by Coinbase around XXXX pm. This happened to thousands of people!
Product: Checking or savings account

I called Wells Fargo immediately on XX/XX/XXXX when the fraudulent activity was taking place on XXXX XXXX to notify them to stop all withdrawals because there was fraudulent activity happening on my account that caused {$900.00} to be withdrawn from my Wells Fargo account. I wanted them to also dispute the charges, but they expressed that they could not be disputed until the transaction was posted to my account. 

XX/XX/XXXX I called to start a claim for the fraudulent charge and activity. They couldnt offer me a provisional credit until they had done more research according to the representative that I had spoken with. I understood. 


XX/XX/XXXX I called Wells Fargo once again to get an update on my claim and was told that there was no update. I requested a provisional credit which was finally granted and that they would let me know when the investigation was complete. During this time I had been speaking with XXXX XXXX cash and they had been speaking with the CFPB, which is why they reached out to me, they assured me that they were handling things. 


XX/XX/XXXX XXXX XXXX cash let me know that they had closed my case and that the transactions were unauthorized and fraudulent. They said that they had rectified the situation. They told me that Wells Fargo had already disputed the charge with XXXX. Therefore, the funds were already back in my account. 

XX/XX/XXXX I receive a letter from Wells Fargo about the claim ( claim # XXXX ) stating that the transactions were authorized in a processing error did not occur and they would be taking {$900.00} from my account despite the information that I provided stating that the charges were fraudulent, and the account was not my own. I also let them know that I had received the letter from the XXXX XXXX cash stating that the case was ruled in my favor and that they did confirm it was unauthorized and fraudulent. They still stated that they would be taking a {$900.00} provisional credit for my account on XX/XX/XXXX. 

No contact by Wells Fargo had been made between the giving of the provisional credit on XX/XX/XXXX until today XX/XX/XXXX notifying me that they will be taking money tomorrow. This feels violating and unfair based off the facts given to the bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and Experian, XXXX, and XXXX refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name EXPERIAN : NAMES : XXXX XXXX. NOT MY NAME XXXX XXXX  NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Inquires showed up on my credit Report that I didnt not authorize