23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On about XX/XX/XXXX of XXXX. I was trying to do a payment transaction with a XXXX  on XXXX. He was selling furniture for about XXXX dollars.. I didn't have the full amount of money at the time so I did a small transaction for him to hold the furniture. I sent him XXXX dollars and I was supposed to pay the rest to him but the XXXX of XX/XX/XXXX. I notified the guy on XXXX cause I seen something damaged and he said there was no damages to the product. So late in the day I reach out to him again and he blocked me from communicating via XXXX XXXX. I noticed the bank and the file a report. I just checked my account and gave the money back to the guy who took the money and I never received any produce. Let alone anymore communication. Chase bank has a claim number XXXX on file in the claims department. This is not the first time chase bank reverse a claim for something that wasn't delivered to me. This issue happened in XXXX with a refrigerator that was not signed by me. It was delivered but not to my house and it was signed by someone without my name Chase has my signature and XXXX refused to refund the money. That was XXXX dollars as well. Now my bank account is negative because of this current issue. Can you please help me out? My number is XXXX
Product: Mortgage

I have an employer mortgage interest subsidy to lower my monthly payments. I submitted the signed paperwork to my broker on XX/XX/XXXX. When I received an incorrect request for full payment on XX/XX/XXXX, I contacted my broker and asked him to address it. On XX/XX/XXXX, it remained unaddressed and the bank auto-withdrew the full amount. This caused a negative balance in my checking account. I contacted my broker again and was told that it would be addressed immediately, the subsidy would be applied, and the funds would be returned to me. On XX/XX/XXXX, the funds were still not applied, but PNC attempted to withdraw an additional {$30000.00} from my account. This was declined due to my negative balance. I contacted my broker again, who did not respond. On XX/XX/XXXX, I notified PNC that I was submitting a complaint to the CFPB and was told theyre still looking into the chaos and dont yet have answers for me. My funds have yet to be refunded and my account is still thousands in the negative. I do not have any money to live on and am at PNCs mercy.
Product: Credit reporting or other personal consumer reports

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX  XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Mortgage

Franklin mortgage has not processed mortgage loan escrow close out in FHA connection which is delaying my refinance. This has been requested several times by refinance lender and not happened.
Product: Debt collection

Original creditor : XXXX {$350.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$270.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$260.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have XXXX loans with Ocwen ( mortgage and Equity ) It was clear to me about escrow going in mortgage but, after discovering from my Equity loan billing statement that part of my payment was also going in escrow. I immediately called and asked why. I then requested information on how long the company was charging my escrow account. Ocwens then stop all billing statements. I called many times and sent letters, See attached letters. Letter will be sent by email separate.
Product: Credit card

A while back ( uncertain of specific timeline on these steps ), I went into my local Chase branch to update the names on my cards after my legal name change. They informed me that they could not update the name on my XXXX credit card, and directed me to send in a form provided with my original certified documents. They indicated that I would receive my original documents back. 

I sent in the form along with my documents as directed. I never received any notification that the change was complete, and did not receive my documents back. 

It took calling the Visa/card services branch of Chase earlier this week ( XXXX, XXXX XX/XX/year> ) about the situation to determine that they had been received, and that a card with my updated name could be provided. They confirmed that the name would not have been changed without receiving those documents along with the form through the mail- so the papers were absolutely received by Chase. 

The card is now in the mail, but I have had multiple agents across several calls and transfers between departments tell me they did not know what happened to my papers, and that there is no evidence they were returned by mail to me. I was directed to the online secure messages through the app to further investigate the situation. After several messages across several days, in which I provided the details of my situation and requested to know how I could get my documents back. I also inquired as an alternate resolution if I could be compensated for the monetary cost for replacement, time cost to access the city buildings for replacement, and personal information risk ( bank information provided in combination with legal documents ) if the documents had been lost by Chase. After several messages, I was still unanswered and directed to send my inquiry by mail. 

For my divorce decree and my name change decree, those were the only notarized copies I had possession of. I have now replaced these documents, with approximately XXXX hours of my time and {$28.00} in directly associated costs in obtaining those documents on XXXX XX/XX/year>. These monetary costs are distributed among {$7.00} for the certified name change decree, {$16.00} for the certified divorce decree, and {$5.00} for public transit to and from the city buildings. 

I will be submitting a letter containing all of this information, including receipts for obtaining the documents and a print copy of the conversation with their online help group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment with XXXX XXXX due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called XXXX and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through Transunion and XXXX reported I was late and it should remain on my account. I called XXXX on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.
Product: Mortgage

XX/XX/2018 RE : Mishandling of escrow account by Mr. Cooper My problems with Mr. Cooper formally known as Nationstar Mrotgage started about XX/XX/2018. I have included a large file of documents relating to what they did or better stated didnt do. The net issue is that they failed to pay my property taxes with the funds that I paid them on a regular basis with my monthly payments. When they received the delinquent tax bill they used this to re-calculate my impound account payment and significantly raise the amount I had to pay monthly. I spoke finally to XXXX XXXX who worked to get that corrected and she did get some relief but they NEVER returned the excess funds I had to pay. Then I discovered that they received another delinquent tax bill so after somewhat correcting my statement they once again raised what I have to pay. 

I believe their escrow department is totally incompetent. I also believe they use coercion bordering on extortion to force me to pay this incorrect amount. They know that if I dont pay the incorrect amount they will show my payment delinquent which will have a SEVERE impact on my personal credit. They also know there is NO RUSH to fix this for the same reason. They have taken my money in BAD FAITH and they are not returning my and correcting this issue. 

When I mentioned to XXXX XXXX that since Mr. Copper charges me a late fee if I am late paying them I think they should compensate me likewise. Her comment was, We cant do that. 

My contact at Mr. Cooper is XXXX XXXX XXXX Sincerely,
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : XXXX XXXX XXXX ] Date Listed : [ XX/XX/2017 ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

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

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

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00}.
Product: Credit reporting or other personal consumer reports

Dear Equifax I'm contacting you because I've recently seen a change to my credit report where I lost XXXX points on XX/XX/2025. I would like my points to be restored to my credit, if you intended to increase my score by XXXX points, I would accept that as well. Please correct my score now thank you. It does not show why my score decreased and it would usually give a reason why it decreased. I would like this to be resolved right now.
Product: Debt collection

I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from LVNV FUNDING LLC. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.
Product: Credit card

I am disputing the collection account with US DEPT ED account number XXXX dated XX/XX/year>, with a balance of {$2500.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that US DEPT ED, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Money transfer, virtual currency, or money service

I was issued a refund in the amount of {$2200.00} from paypal to a CLOSED XXXX XXXX checking account on XX/XX/2019. Once I discovered this error, I went to a local XXXX XXXX branch in mid XX/XX/XXXX. They told me that if the account was closed then the funds would have been returned to paypal. So i called paypal many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when paypal would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ).  I don't know what else to do besides file this complaint as both paypal and citizens bank keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with AMERICAN EXPRESS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMERICAN EXPRESS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMERICAN EXPRESS with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. XXXX XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education XXXX XXXX Department of Education XXXX XXXX are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES XXXX ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment XXXX for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per XXXX XXXX and XXXX XXXX any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Payday loan, title loan, or personal loan

I entered an installment loan with Acima to purchase tires from a store. I specifically ask for 90 days same as cash and they said when it was close to the end of the contract, they would email me as a reminder. Acima had been drafting funds from my account without an issue when I noticed that I had paid close to the initial {$1000.00} ( amount of purchase ). I called them on the phone to ask why were they still drafting money when the account should be paid in full due to a 90 day same as cash purchase. The representative stated, '' ma'am, your account wasn't placed on a 90 day same as cash account when I specifically ask for that plan. I asked to speak with a supervisor and the representative told me that the supervisor would tell me the same thing. Acima is requesting that I pay them an additional {$1300.00} on top of the {$1000.00} already paid but I refused because I didn't want to pay the interest in the first place is why I chose 90 days same as cash. I have received calls from the company at least 15 times a day to include robo calls and voicemails. I read their reviews and customers are stating when they request 80 days same as cash, they end up with the outrageous finance and interest charges which is absurd. They also claim they emailed me but when the email address was verified, they had the wrong email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX