23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I attempted to make a payment on my account which was refused by the bank. I attempted to resolve the problem with the bank but was stonewalled and not allowed to make any progress. All efforts to correct the situation were met with redirection to departments that couldn't help, resulting in more redirection. All attempts to make payment on the account were refused, putting the account into Foreclosure. XXXX XXXX I was granted the XXXX Forbearance and although it was confirmed by the bank, none of the benefits were ever applied to my account. All statements advised of pending Foreclosure during it. 
In XXXX I contacted the CEO of the bank to request assistance and he sold my mortgage to a shady mortgage company that has been forcing me to pay beyond my means and is randomly adding unexplained charges to my account. After making payments for a year and a half, my balance hasn't decreased, it's increased by {$30000.00} and they are not reporting any of my payments to the Credit Bureaus. 

I have sought out Attorneys, Real Estate agents, Mortgage Companies, Financial Institutions and HUD. None of them have been able to help. It's been 5 years of fighting this battle, so I am coming to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I was notified that PNC BANK stopped reporting to the credit bureaus which dropped my XXXX XXXX XXXX points. After a year of investigation and 7 dispute letters, PNC Dispute Department stated that they would need the reaffirmation letter regarding my auto loan so that they can continue to start reporting back to the credit bureaus. PNC advised that they didnt have the reaffirmation letter from XXXX on record and thats all they would need to start reporting back to the bureaus. I have been working closely with their dispute department, 2 different associates in the department and they explained that all they would need was the affirmation letter and PNC will then start reporting it back on my credit report. I sent the required documentation in on XXXX. Today, XX/XX/XXXX, I received a letter stating that they arent going to report it back even though my auto loan has always reported to my credit report as a positive, active account - no payment has ever been missed or late. I am demanding this to be reported back to the credit bureaus on my report. I was given false information for a year and provided all necessary documentation. This is unacceptable and this should have never stopped reporting on my account.
Product: Checking or savings account

This is regarding our bank, Chase, and bank fraud resolution on claims we have filed. We have a Chase business checking account. Two checks were fraudulently endorsed and cashed through XXXX in XX/XX/XXXX. I filed 2 claims through Chase in XX/XX/XXXX. XXXX processed one claim in XXXX and one in XXXX. They have issued cashiers checks to Chase, one of which was cashed by Chase in XX/XX/XXXX. It is XXXX, and our bank account has not been funded. 

When I call Chase claim department about the payment, Chase state they : haven't received the funds, state they email claim inquiries to XXXX but XXXX doesn't response, don't attempt to reach out to XXXX to inquire about the cashiers checks, don't attempt to ensure they are contacting the correct XXXX dept, state they don't use the phone to call XXXX - all correspondence is electronic and refuse to give me any additional information. And, I'm not allowed to talk to anyone higher up than a claims escalation representative whom can only inquire via email to the " back office ''. 

When I talk to XXXX, they state they have responded to Chase and have notified them of the mailed cashiers checks. They refuse to talk more to me about our funds because I'm not named executrix?!!
Product: Checking or savings account

On XX/XX/XXXX, I noticed that there was fraud on my XXXX online account- XXXX XXXX to be more specific. I had accidentally attached my XXXX debit card to that account and there were 10 transactions that were 100 % fraudulent. 
These orders were picked up at several different XXXX locations in Ohio over a 2- week period. I live in California and was not present in Ohio during these 2 weeks. 
I called both XXXX and XXXX to report the fraud. I cancelled my debit card, got a new one, and informed them about what happened. I was informed that more than 10 purchases had been blocked by XXXX. However, I was never informed about any of these. I know for a fact that they have my email because I have a XXXX portfolio that contains thousands of dollars in stocks and I receive monthly statements by email. 
Here is a list of these fraudulent purchases, dates, and order numbers : {$140.00}. XXXX XX/XX/XXXX - order number XXXX {$210.00} XX/XX/XXXX - XXXX {$170.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$100.00} XXXX XXXX {$96.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX I called XXXX to report the fraud. I called back several times to hear that my fraud claim had been escalated and that I would be contacted about this fraud claim. This was in XXXX of XXXX and I have not heard back as of today, XX/XX/XXXX. 
The orders were ordered online and picked up in person at these stores in Ohio. I have no idea how these thieves were able to pick up orders without proper identification and yet this happened 10 times. 
I have spent countless hours on the phone with XXXX, also, and their policy is to never, ever connect a customer directly with the fraud department. I was repeatedly promised that I would be called back by a fraud manager and yet this has not happened. On XX/XX/XXXX I sent a letter of appeal to respond to their XX/XX/XXXX letter saying that my fraud claim had been denied though no reason was given as to why. I was contacted by a fraud manager who left a message on my cell phone on XX/XX/XXXX. I did not get this message right away, then I received the denial letter days later. I have called back multiple times but I get an answering machine and never receive a call back. I have left at least 3 messages and called XXXX about 7 times total. I have contacted XXXX 4 or 5 times total. 
During my calls with XXXX, I found out the my claim was denied because I did not call back. When I talked to XXXX they said that no one from XXXX had contacted them about this claim according to their records. XXXX customer service told me that they had denied the claim simply because I did not call back, not because they proved that this was not fraud. This is clearly fraud. 
Now no one from either XXXX or XXXX will call me back and both companies refuse to let me speak to anyone who can actually help me. 
It is XXXX 's policy to never let a customer contact a fraud manager directly and then they never call back. 
I have lost {$1600.00} and I am being treated unfairly. Please help me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were two credit checks that I did not authorize. 

XX/XX/XXXX from TransUnion for XXXX XXXX XXXX  XX/XX/XXXX from XXXX for XXXX XXXX XXXX XXXX
Product: Credit reporting

Was denied credit because Equifax did not have the correct amount owed, made a complaintfor the to investigate..the results came back the same amount owed even though I paid the bill on a couple of my accounts, they completed there investigation XX/XX/2015. which proved they lied..I called my creditor, on my account it shows the correct long before Equifax claimed to have done a investigation..I have a copy of my account proving they did not do an investigation, they just lied and reported what they wanted to..that is fraud will send a copy of my other account as well, this is fraud, they are not reporting the truth even if you make a complaint ... This is fraud in my book..
Product: Debt collection

XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 120 days Status Updated XX/XX/XXXX Balance {$2600.00} Balance Updated XX/XX/XXXX Credit Limit {$2400.00} Monthly Payment {$120.00} Past Due Amount {$550.00} Highest Balance {$2600.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency never sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Below are the items that do not belong to me that you continue to report illegally. 

1. XXXX XXXX Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

I am filing this complaint against Fair Collections & Outsourcing regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) in relation to a disputed debt. Despite multiple written requests for proper validation of this debt, they have failed to provide all required documentation under the FDCPA and have continued to pursue collection efforts. 

Here is a summary of the situation : On XX/XX/year>, I sent Fair Collections & Outsourcing a certified letter requesting validation of a debt related to a lease with Invitation Homes. My request was made pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ).

Fair Collections & Outsourcing responded with limited documentation, including a lease copy, but failed to provide full validation. They did not include key documents, such as detailed accounting or proof of assignment to collect the debt. 
On XX/XX/year>, I sent a second certified letter reiterating my request for proper validation. To date, they have not provided all of the requested documentation. 
They offered a settlement and implied that failure to pay by XX/XX/year>, would result in the debt being reported to credit bureaus. However, they are still legally required to provide full validation before proceeding with any collection actions or reporting. 

Fair Collections & Outsourcing has not fully complied with my requests, and I believe their practices violate the FDCPA. I request that the CFPB investigate this matter and require the company to provide the necessary documentation or cease collection efforts. I am also concerned that they may report this disputed debt to credit bureaus despite failing to validate the debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> accounts were to be removed from credit report. Have not been removed. Have disputed and asked for them to be removed, but Experian will not remove.
Product: Student loan

I have been paying my student loans since XXXX and plan on applying for the public student loan forgiveness program. My payment counts are inaccurate after multiple attempts contacting fedloan servicing to fix the payment count. My loans were initially under XXXX in XXXX ( through XXXX XXXX   and consolidated ) and transferred to fedloan servicing in XXXX.
Product: Checking or savings account

TD bank continues to charge both insufficient funds fees plus overdraft fees more than once causing too much money being lost.
Product: Debt collection

I CONTACTED THIS COMPANY TO GIVE MY MEDICADE INFORMATION THEY REFUSED TO RE-BILL. THIS IS EFFECTING MY CREDIT ILLEGALLY.
Product: Student loan

About 2 years ago, my federal student loans were transferred from XXXX XXXX to MOHELA, and established autopayment with them ( through their platform ). Recently, MOHELA rolled out a new platform, but it required all borrowers to redo their autopay information. I did this in XXXX, and my first payment on the new platform was taken out on XX/XX/XXXX. 

Everything seemed fine, and my XX/XX/XXXX payment was taken out of my account, you can see screenshots attached of my XX/XX/XXXX payment and XX/XX/XXXX payment coming out of my primary checking account. 

I received an email a few days after XX/XX/XXXX indicating that my payment was past due. I checked and verified that my account was debited for the amount. I logged into the platform and did see my account was, and still is, past due for {$110.00}. 

I contacted MOHELA via phone to ask about this, and after about a XXXX hour wait, I was told the issue was 'my account number starts with a certain number that causes it. ' They told me to contact my bank. Well, I work for my bank and know that was not a trust reason, and asked to speak with someone else. After another 2 hour wait, I spoke with someone new. This call lasted about one hour and by the end we concluded the following : 1 ) My payment was put in suspension and they 'manually moved it out of suspension and will see it on my account in a couple days '.

2 ) They don't know why my account automatically 'suspended " my payment.

3 ) They don't know why sometimes my additional {$100.00} principal only payments don't only get applied to principal.

4 ) Don't know why my account was put in 'administrative forbearance '.

MOHELA has been nothing but a nightmare to deal with. My autopayment was originated through their platform and system, but they have taken the money out of my account and not applied it to the loan. It is XX/XX/XXXX when I am submitting this, and still showing past due.
Product: Debt collection

A fraudulent loan for over {$4000.00} was taken out under my name. The company that is in charge of collecting the debt, Crown Asset Management LLC has not helped me at all. I have called, and sent messages, and nothing has happened. I was told by the last company in charge of the fraudulent loan XXXX XXXX did not report it to the credit bureaus. However, Crown Asset Management LLC has done nothing to help solve this. I feel as though this company should be investigated just like all the other debt collection agencies. I would not trust this company at all. I will continue to call them until I talk to a manager, who probably wont help at all. Dont trust them. If Crown Asset Management LLC contacts you dont trust them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair creit reporting act, the list of accounts below have violated my federally protected credit consumer rights to privacy and confidentiality under 15 U.S.C 1681 the reporting agencies are XXXX and transunion, have violated my rights. 


account name for XXXXXXXX XXXX XXXX is under XXXX XXXX, account # XXXX XXXX XXXX XXXX section 602 A states that I, the have the rights to privacy.

15 USC 1681 section 604 a section 2. it also states that a credit reporting agency CAN NOT furnish an account without MY written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any iinformation relating to a consumer to any consumer reporting agency if the perosn knows or has reasonable cause to believe the information is innacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A XXXX XXXX XXXX card/XXXX XXXX card was applied for X/XX/2016 however the application was not approved but the fraudulent inquiry was found on her Equifax credit report. A dispute of this inquiry was sent to XXXX XXXX XXXX as well as Equifax however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
Product: Student loan

Asked Sallie Mae/Navient to discharge the co-signer. 

Also asked them to provide the list of lenders who hold my private loan. They have yet to provide the information.
Product: Credit card

My credit card information was stolen and someone purchased services. The largest charge being listed below.
Product: Debt collection

I filed an identity theft report and provided all documents needed to submit a complaint and have an investigation done correctly. i received a notice that my case was closed without receiving any results from the investigation. I am extremely disappointed and starting to feel symptoms of XXXX. The items are still on my credit report illegally by law you should remove any accounts under investigation and they were not removed at any point.
Product: Student loan

XX/XX/XXXX XX/XX/XXXXXXXX 2025 - received 3 letters from Dept of Education showing i exceeded number of payments to have my loans forgiven under XXXX XXXX XXXX tracker on Dept of Ed website says to make no more payments. 

XX/XX/XXXX/25 - Contacted Aidvantage to report this and ask how I can show them this update XX/XX/XXXX25 - Aidvantage responds via official inbox saying they do not show XXXX forgiveness has been achieved or received the records from Dept of Ed. Told me it takes several week. 

XXXX/XXXX/25 - Contacted Aidvantage customer service and they told me the same thing. Won't accept official letters from Dept of Ed from me despite me receiving 3 of them. Said im stuck in forbearance until Dept of Ed contacts them directly. And won't work with me to resolve this.
Product: Checking or savings account

Late Sunday night XXXX and early Monday morning XXXX, I attempted to access my online account for my two checking accounts, checking reserve, savings account, and credit card account with USBank. I was unable to log in. During the day on XXXX, I attempted to access my account using the USBank website. It continued to refuse me the ability to log in and access my accounts with the message that my account was locked. On the late afternoon of Monday XXXX, I called customer service to regain access to my account. The customer support representatives rudely continued to deny me access to my account, saying that it was " under security review '' for 48 hours. This is unacceptable behavior and a violation of my rights and the agreement with USBank. I demand access to my account immediately or I will close all accounts.
Product: Money transfer, virtual currency, or money service

This is a complaint against the company Coinbase. On XX/XX/2022 I had {$200000.00} removed from my Coinbase wallet without permission. Once I tracked down where the money had been moved to, I was made to believe that the money was being used to mortgage mine and the profits would be available to me on XX/XX/XXXX. I watched as my profit grew and on the XX/XX/XXXX I attempted to remove my profits, another $ XXXX. I was told I needed to add another $ XXXX in order to be able to withdraw not only the profits but the amount that had been stolen initially. I have given them three days to return the money and have seen no progress. I have screenshots to document the entire process including the address that initiated the entire process of stealing my money. Coinbase allowed my money to be taken by the hackers without me ever given permission. I hired a company to track down where the money had gone and they tracked it through to the XXXX XXXX. The institution that was supposed to protect my money decided to earn money from their valuable consumer loosing it. I wasn't even given the chance to refuse this action.
Product: Debt collection

Has there been any update to complaint XXXX that was filed back in XX/XX/XXXX. It still shows that it is open and the company has not responded. 

Thanks
Product: Payday loan, title loan, or personal loan

Found a private loan company on the internet in  XXXX   XXXX , NV The name or company is  XXXX   XXXX   XXXX . I reached out to the loan officer,  XXXX   XXXX  Did not think anything suspicious because the number was a Nevada number. We had conversation for a few days and led to a promissory not signed by both. The loan amount was  XXXX  for a refinance. The origination and  Doc  fee was {$1300.00} I received bank account info to Chase bank with acct # and routing number. Account name also. The note was signed by  XXXX  on  XXXX   XXXX  and signed by me on the  XXXX ,  XXXX  days later.. I have not heard anything from the loan company other than they said the bank wanted 1 % of the loan for closing. This was not a bank loan, it was a personal loan through this investment company.  XXXX   XXXX   XXXX   XXXX . I have filed a complaint with the fraud and claims dept. at my bank which is   XXXX   XXXX   XXXX  .     I 'm asking for help to try to get my fee back.   XXXX   XXXX   XXXX   said that they will file with  XXXX  but, if the account holder does n't want to transfer the monies back or does n't respond, there is nothing do be done! Is n't this illegal?
Product: Credit reporting or other personal consumer reports

I do not know the company XXXX? Began sending unwanted bills, sharing my identity/social security and harming my credit score! I never agreed to anything with XXXX. 
I get unwanted calls and collection debt threats I have a unwanted unpaid debt to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from XXXX XXXX XXXX I called XXXX XXXX, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to XXXX XXXX ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at XXXX XXXX attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to XXXX XXXX on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the XXXX XXXX representative XXXX not a true credit/delinquency event.