23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our home burned down in a wildfire in XXXX of XXXX. Our homeowners insurance paid the claim to XXXX XXXX My mortgage was sold in XX/XX/XXXX. By XXXX XXXX to Mr Cooper, a brand name for nationstar mortgage. 
XXXX neglected to turn over any documents regarding our insurance money. There is a balance of approximately {$110000.00} dollars. Mr Cooper acknowledged the amount, but will not release the funds based on lack of information from XXXX. So starting from scratch, I with the help of my insurance company and contractor forwarded all the documents necessary to release the funds. 
This process started XX/XX/XXXX. I have called mr Cooper several times a week since XX/XX/XXXX. 
Im told that they are waiting for the back office to make a decision. Each week Im told the same thing, its under review and should have a decision in XXXX to XXXX business days. That was about XXXX weeks ago. 
My home is very close to being finished. I had to borrow from my retirement account to make a partial payment of {$60000.00} dollars. My contractor has asked for a payment of {$91000.00} dollars. This is causing a great hardship for me and the contractor. I dont know what else to do. Hopefully you can help
Product: Student loan

On XX/XX/2021, I received notification that I have made my 120 qualifying payments from Fed Loan Servicing. I asked what's the next step. They told me that it would take 6 months to review the case and then they would send it to the Department of Education for another review. After that, it would be sent to Treasury to complete the Loan Forgiveness.

Fed Loan Servicing will not be handling the loan after their contact ends on XX/XX/2021. Then my case will be transferred to another loan servicer and the process starts again with the new loan servicer reviewing the loan package for 6 months. 

I can't retire since I need to be employed by the Federal Government until the loan forgiveness is completed. 

Please help to see if this process can be expedited since I have met the terms of the PSLF program. 

Thank you XXXX XXXX
Product: Credit reporting

Transunion has a WRONG negative mark - from an XXXX. 

I never paid my XXXX late, Transunion communicates very poorly and is not fixing their error my credit report. 

Very disappointed XXXX
Product: Debt collection

I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Acct : XXXX for {$4000.00} - XXXX XXXX XXXX  Acct : XXXX for {$1000.00} - XXXX XXXX XXXX  Acct : XXXX for {$21000.00} XXXX XXXX Acct : XXXX for {$21000.00} - US BANKRUPTCY COURT XXXX XXXX Bankruptcy XXXX XXXX dismissed ) filed XX/XX/XXXX, dismissed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX Lawsuit. I feel I was negatively impacted, hurting my chances at credit, after receiving a response to my earlier dispute that the accounts were verified. On XX/XX/XXXX, I submitted disputes to Transunion regarding several accounts that are either fraudulent, incorrectly reported, or should no longer be on my credit report. 

These disputed accounts include : XXXX XXXX This account does not belong to me, and I have never opened or authorized any account with XXXX XXXX. 
XXXXXX/XX/XXXX This account does not belong to me, and I have never opened or authorized any account with XXXXXX/XX/XXXX 

I received a response from Transunion on XX/XX/XXXX, stating that the information had been " verified as accurate '' without providing any supporting documentation. In response, I submitted another dispute on XX/XX/XXXX, providing additional evidence to prove that the accounts were inaccurate. Despite this, Transunion failed to correct the errors, and on XX/XX/XXXX, I followed up again, demanding a reinvestigation and requesting detailed documentation regarding the verification process. Transunion has either ignored my requests, upheld the inaccurate reporting, or provided insufficient justification for their decisions. 

Actions Taken : XX/XX/XXXX : Submitted initial dispute via [ online portal, mail, or phone ], providing supporting documentation. XX/XX/XXXX : Received Transunion response stating that the information was " verified as accurate '' without sufficient proof. XX/XX/XXXX : Submitted a second dispute with additional supporting documents. XX/XX/XXXX : Followed up after no resolution, requesting a detailed reinvestigation. These are just the most recent dates but this has been going on for months now. 
Transunion handling of my disputes violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation into disputed items. I request the CFPBs assistance in ensuring Transunion : Conducts a thorough reinvestigation of the disputed accounts and provides supporting evidence for any claims of accuracy. Removes or corrects the inaccurate information on my credit report. Provides a formal response outlining the steps taken to address this matter. This ongoing issue has negatively impacted my credit score, potentially affecting my ability to obtain credit, housing, and financial opportunities. I appreciate the CFPBs assistance in holding Transunion accountable for its responsibilities under federal law. Please let me know if any additional information is needed to support my case. Thank you for your time and attention to this matter.
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 168b permissible purposes of consumer reports. 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. 

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 Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Checking or savings account

On XX/XX/2024 a deposit was made into my business checking account in the amount of {$20000.00}. The funds were withdrawn from the clients account on XX/XX/2024. Chase bank issued a hold of ( XXXX ) business days plus ( XXXX ) nonbusiness days making funds available on XX/XX/2024 a unreasonable hold of XXXX total days. On XX/XX/2024 ( XXXX ) business days after funds were received by XXXX I was again told the funds would not be available until XX/XX/2024 on funds Chase bank has in their possession. The employee then began to persuade me to get a credit Card or Line of Credit that would benefit their business and cost my business money. Finally, during this hold period the bank has sent me numerous emails advertising lines of credit or other costly options as a solution.
Product: Checking or savings account

I am writing to file a formal complaint against Marcus ' savings, a financial institution under your jurisdiction. I am deeply dissatisfied with their recent actions concerning the closure of my savings account, which has left me without access to my funds and with no satisfactory explanation for the account 's closure. 

I became aware of the account closure when I attempted to access my account and found it inaccessible without any prior notification. To my surprise, Marcus ' savings had closed my account without providing any reason or notice. This abrupt closure has resulted in me losing interest on the significant balance of {$40000.00} that was held in my account. 

I have made multiple attempts to contact Marcus ' savings to seek an explanation for the account closure, as well as to inquire about the process for retrieving the remaining balance in my account. Regrettably, my efforts have been met with uncooperative responses, as they have consistently refused to provide any information regarding the closure, the timeline of events, or the steps I need to take to resolve this matter. Each time I called, I was simply told, " no. '' I believe that Marcus ' savings ' actions are not only inconveniencing me but also raising serious concerns about their transparency and adherence to regulatory guidelines. As a consumer, I have the right to receive proper notice and an explanation for any account closure, as well as assistance in retrieving my remaining funds. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take the necessary actions to ensure that Marcus ' savings complies with all relevant laws and regulations. Specifically, I seek : An explanation for the closure of my savings account. 
The immediate release of the remaining balance in my account. 
An assurance that Marcus ' savings will adhere to proper notification and communication procedures in the future.

I appreciate your attention to this matter and hope for a swift resolution to this issue. Please find attached copies of relevant documents, including account statements and any communication with Marcus ' savings. 

Thank you for your assistance in addressing this complaint. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer who was affected by the recent Equifax XXXX XXXX ( computer coding error ) which changed and miscalculated my Equifax credit score between XX/XX/XXXX and XX/XX/XXXX. Before the Equifax computer glitch my Equifax credit score was XXXX, but now my credit score is XXXX because of the Equifax computer coding error. The following unauthorized and fraudulent credit card accounts, collections account, public record and credit inquiries reappeared back on my Equifax credit report due to the the Equifax computer coding error : XXXX XXXX, Balance : {$330.00}, XXXX XXXX XXXX XXXX, Balance : {$370.00}, XXXX XXXX XXXX XXXX XXXX : {$5600.00} and BANKRUPTCY CHAPTER XXXXDISCHARGED U.S. BANKRUPTCY COURT XXXX XXXX MINNESOTA, Account Number XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, and XXXX, Hard Inquiry Date : XX/XX/XXXX. The following credit card account is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$71.00}.
Product: Vehicle loan or lease

On Thursday, XX/XX/2023, my wife and I went to XXXX XXXX XXXX in XXXXXXXX XXXX based on advertising we had seen on TV and online advertising that there was XXXX percent interest on XXXX vehicles for well qualified customers. This information was available at XXXX XXXX XXXX 

We spoke to a salesperson when we arrived. He told us that there was only 8 % to 10 % financing available. He said that he had never heard of any other financing and that XXXX percent and lower rates were not available. Since he was not aware of what was advertised, we asked him to find out from the finance manager for the dealership what was available. He came back and said that limited special financing was only available on the XXXX and some type of hybrid vehicle. We said that this was not correct and did not match their advertising. He then said that lower financing rates were available on certain vehicles, but that it was only available on 2023 models and that they did not have any on the lot. We pointed out that the one vehicle he had shown us that we were interested in, which was a XXXX XXXX, was a XXXX XXXX We then decided to leave the dealership and call national XXXX since we were getting nowhere at the dealership. It seemed to us like a typical bait and switch type advertising scam. 

We called XXXX XXXX at XXXX. The person that took this call advised that there was XXXX percent available for well qualified customers and that someone from national XXXX would be calling us back since this matter had been escalated. We were told that they would call us back within XXXX hours. We asked not to be called back by the dealership since they had already not been honest with us. 

We never received a call back from national XXXX, and still have not. However, at the XXXX mark we did receive a call back from the dealership that we had asked not to be contacted by. The caller was XXXX XXXX, who said that he was one of the owners of the dealership. He said that XXXX XXXX had shared all of our information to him and asked him to handle this at the dealership level even though we had specifically asked for this not to happen. He said that the salesperson had only been with them for a month. They had obviously not had enough training as they knew nothing about inventory or financing. Evan stated that there was no XXXX percent available anywhere in the southeast region on any XXXX vehicle. We got nowhere talking to this person and never got the call bacj from national XXXX.
Product: Debt collection

Received several phone calls today from two different numbers. Informed them the matter was in bankruptcy over a decade ago, that Ohio statute of limitations for the debt was 6 years and to please remove me from their list. She became became abusive, told me not to open any more credit cards and called me a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started on XX/XX/XXXX when Discover incorrectly reported my balance to credit bureaus. The balance for my statement cycle ending on XX/XX/XXXX was {$190.00} and they reported around {$300.00} or {$400.00} to credit bureaus at the time. 

When I contacted them to correct it, they ended up reporting my balance in the middle of my following cycle. This random reporting had an immediate negative impact on my credit score as I have a habit of paying at least 90 % of my balance right before my cycle closing date- when it normally gets reported to credit bureaus. That unexpected mid-cycle reporting dropped my credit score by more than XXXX points at that time but I decided not to escalate this matter and just pay down my balance by my next cycle closing date as I normally do. 

Consequently, I reduced my balance to {$480.00} on my next statement closing date of XX/XX/2022 ( to maintain a sub 10 % utilization ratio on this card ). Unfortunately, Discover card once again decided to report my balance randomly, in the middle of my cycle, on XX/XX/2022. This unplanned and erratic reporting increased my utilization ratio to 48 % and cost me yet another XXXX points on my credit score, right at a time when I'm shopping around for new auto loans and I need my score to stay as high as possible. 

When I contacted Discover about this, they advised that the report on that date was due to the fact that I reported a lost card and requested a replacement card. The problem with this is that at no point in this process was I proactively advised that the issuance of a replacement card would prompt my balance to be reported out of cycle. Moreover, it was not the first time I had replied a card with Discover and the previous instance did not prompt a random reporting of my balance on that day. Finally, I also replaced my cards with two of my other credit card companies ( XXXX XXXX and XXXX ) in the same fashion on that date. Yet, these two other credit card companies DID NOT report my balance to credit bureaus the way Discover did. This action that negatively impacted my financial profile was unique to Discover.
Product: Credit card or prepaid card

In XX/XX/2020, my fianc and I combined our bank accounts. We both moved into his account. I emptied my account XXXX but left it open. 

I thought I had changed my bank account information on American Express to reflect the new account. On XX/XX/2020, I attempted to pay my statement off on AmericanExpress.com. Total : {$4700.00}. Unfortunately, the bank account information had not updated, so the system attempted to pull from my old and empty account XXXX. 

I didnt notice this for several days XXXX XX/XX/2020 ). When I logged in to check my bank account, I noticed that it had attempted ( and failed ) to pull the funds and had over drafted my account. I was told it would continue to try. I did not want to accrue overdraft fees, so I opened a case to dispute it in hopes that it would stop trying to draft. 

My bill was due XX/XX/2020, and the dispute was still open, so I moved the funds from my new account to my old account XXXX and paid off the American Express statement. I then went into my bank XXXX XXXX XXXX XXXX and closed the account permanently on XX/XX/2020. 

I assumed this handled everything as I paid my bill. 

On XX/XX/XXXX, the dispute was closed and American Express claimed to return the funds to me. Now, my American Express account shows I still owe the amount despite having paid it. The account had been closed at the point for 10 days. I called XXXX XXXX and they confirmed that nothing could be transferred into the account at this point. 

Ive spent a full work day on the phone and chats with American Express. I opened a second dispute which has closed without resolution. I can not waste any more time on useless phone calls with customer service. If this cant get resolved quickly, I will have to take legal action.
Product: Debt collection

Capital One has placed two accounts on my credit file that are fraudulent. These accounts are Acct # XXXX and Acct # XXXX. Both accounts are fraudulent. When asking for verification of debt, these accounts are attached to an address Ive never lived at. I have filed an FTC Fraud report explaining this. The report number is XXXX. 

These accounts also show a different opening date and different credit limit amounts amongst the three credit reporting agencies. I have requested the removal of these accounts based on FCRA 15 USC 1681 1 ( 5 ) ( a ). Failure to remove these bogus accounts will force me to seek punitive damages through litigation.
Product: Credit reporting

I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Product: Credit card

Across multiple accounts of mine, Capital One keeps sending me notices about suspicious transactions on my accounts, and Capital One disputes a portion of the transaction on my behalf, unprovoked. Each time, it is a percentage of the total check, not the tip, not the transaction, just a percentage.

I have told Capital One several times that these charges are legitimate and there is no cause for suspicion, yet they keep flagging them. One establishment ( XXXX XXXX 's ) has had a portion of my check refunded THREE times in the last year without any provocation from me. I reached out to Capital One 's fraud department to let them know that these transactions are legitimate and they should not be flagged, but obviously that did not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/2016 {$1600.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

My husband and I filed for bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX. A few days later on XX/XX/XXXX we got a car loan from Prestige Financial and have been paying on this van ever since. On XX/XX/XXXX we recvd an alert from our credit tracker thru XXXX XXXX and it stated that we have a new item added to our report. It stated NEW bankruptcy XX/XX/XXXX Lender Prestige Financial An account provider reports that when you filed for bankruptcy and listed this account as one of the ones you could not pay. This ins incorrect and this loan never should have been reported this way when we file bankruptcy in XX/XX/XXXX and defiantly never should be reporting in XX/XX/XXXX as a  NEW bankruptcy. This has caused my credit score to drop XXXX points and my husbands XXXX. I have disputed with prestige and they stated its not their error and the loan has been reporting since the loan was opened and theres nothing they can do. I disputed with credit bureau and waiting on their response. It has been a ruff ride trying to get our credit score above XXXX and life hits you hard sometimes but when you are trying to get right this happened and knocked us back. After all these years of paying on our van its never been reported correctly and now showing up in XX/XX/XXXX.