23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) XXXX XXXX Account was opened with my name fraudulently in California XXXX XX/XX/XXXX with a XXXX  of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. 

B. ) XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX XXXX  XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$630.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$1000.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. 

Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. 

I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. 

I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute a late payment reported by XXXX  XXXX, XXXX XXXX and Kikoff lending LLC that appears on my credit report dated ( capital XXXX ) XX/XX/XXXX, ( XXXX XXXX ) XX/XX/XXXX, ( Kikoff ) XX/XX/XXXX and ( XXXX XXXX ) XX/XX/XXXX. I believe this reporting is in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666 ( b ), as the payment in question was either : * Incorrectly billed, or * The result of a billing error on the part of the creditor. 
Details of the Dispute : * Creditor Name : XXXX  XXXX, XXXX XXXX and Kikoff Lendibg LLC * Date of Alleged Late Payment : ( XXXX  XXXX ) XX/XX/XXXX, ( XXXX XXXX ) XX/XX/XXXX, ( Kikoff  ) XX/XX/XXXX and ( XXXX XXXX ) XX/XX/XXXX
Product: Mortgage

Dear CFPB, I have been dealing with this issue through Wells Fargo for over a year. 
During COVID I was offered a forbearance on my < {$40000.00} Home mortgage. I have been paying monthly on this loan for over 15 years. 
I was told that I could repay the part of the loan that I stil owed from the forbearance period, at the end of my mortgage payment. I am a XXXX XXXX XXXX and can not pay back {$4000.00} in one payment. 
I was even offered another forbearance loan after this forbearance period ended. I didnt want to have too much to owe back, so I declined the 2nd forbearance offer. 

After a certain amount of time, the bank reposted that I owed them somewhere about {$4000.00} immediately, due to my forbearance. In response, I told them I understood that I was not required to pay the forbearance sum in a large lump sum. I believe that the payments of principal and interest would not be changed, and that I would owe on the the loan for a few more months. 
Wells Fargo responded with many different answers. I have them in writing and I have recorded many of the responses. The first response from Wells Fargo was that I need to open a new account that would " serve my needs better '' This new modified loan would need me to fill out a new mortgage loan application and fo through the entire process of getting a new loan. I was very upset. I told them many times that I didnt want a new mortgage loan account. I asked for them to please just let me pay at the back of the loan, like I was promised. This was never answered. 

Instead Wells Fargo placed an outstanding balance of over {$4000.00} on my mortgage loan account. I continued to pay the monthly premium of {$350.00} by the XXXX  of every month. I noticed that my payments were now not being credited to my principal and my interest. Instead the entire {$350.00} was being credited ONLY to my interest. So for a full year or more, I paid down interest on my loan. They never credited to " outstanding amount '' of {$4000.00} or my remaining principal. 

Im so very upset. This is really stressful They even threatened to foreclose on my home. Please help me. I dont know what else to do. 
Now I can not find my mortgage loan on my Accounts online. I call and spoke to 5 different people in different departments, per usual. From what I can gather, my loan is now in the processes of foreclosure. 

This news is crushing and I really do not know what to do. Please help me. 

Thank you for your attention to the matter. 

XXXX XXXX
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries will be removed.
Product: Credit card

Discover Bank is denying XXXX XXXX  applicants with good credit, they are denying qualified applicants with zip codes ending in XXXX, Discover Card employee are providing false reasons to the CFPB in order to continue these acts of discrimination and also using fabricated documents to cover up these fraudulent denials, my credit disclosure report revealed a score XXXX which was due to good pay history however Discover disagreed. XXXX zip code is primarily XXXX XXXX  area of XXXX XXXX ar, which is the real reason for my denial. Discover employees are avoiding discussing this in writing or on the telephone. Intentionally denying credit to entire groups of people based on national origin or the area they live in is unlawful Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Equal Credit Opportunity Act.
Product: Debt collection

On XX/XX/2023 I received an email from the Hunter Warfield collection company stating that I owe a debt of {$7900.00} from somewhere in XXXX XXXX, California with my name spelled wrong and to the wrong address. I believe this is due to identity theft because its with the same misspelled name as the last time when this happened previously last year.
Product: Debt collection

Request for Reinvestigation of XXXXXXXX XXXX  Account Under the Servicemembers Civil Relief Act To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) reinvestigate the handling of a dispute regarding a debt reported by XXXX XXXX. I previously submitted a complaint, but it was returned with a statement that the debt had been verified without providing any documentation of the verification process. I believe this debt was incorrectly reported due to protections afforded under the Servicemembers Civil Relief Act ( SCRA ).

**Background Information : ** - I am an active-duty service member, and at the time of the lease in question, I was sent to deploy on the XXXX XXXX XXXX XXXX from XX/XX/year> until XXXX XXXX. While my deployment orders do not explicitly state that my ship was deployed, its deployment status is verifiable through publicly available information. I request that this be considered as part of the investigation. 
- Additionally, my then-spouse was reassigned out of state under military orders effective XX/XX/year>. I have attached both sets of orders for reference. 
- The vehicle lease with XXXX XXXX was terminated in good faith due to these military obligations. Under the SCRA, service members are allowed to terminate vehicle leases without penalty when military orders necessitate such action. 

**Concerns About the Investigation : ** XXXX XXXX marked this account as a charge-off and reported it as a " Potentially Negative '' item on my credit report. Despite my previous dispute, the creditor has not provided any documentation showing how the investigation into this matter was conducted, nor have they addressed the application of SCRA protections. 

**Request for Reinvestigation : ** I am requesting the CFPB to thoroughly reinvestigate this matter, as I believe my rights under the XXXX have been violated. Specifically, I would like the following addressed : 1. Documentation of how XXXX XXXX verified the debt and charge-off status during the original investigation. 
2. An assessment of whether XXXX XXXX properly applied the SCRA protections based on the documentation of my deployment and my spouse 's relocation orders.

3. Immediate removal of the charge-off status from my credit report if SCRA protections were not properly applied.

**Attached Documents : ** 1. My deployment orders ( XX/XX/year> ). 
2. My spouses relocation orders ( XX/XX/year> ). 
3. The original lease agreement 4. Correspondence related to the termination of the lease.

5. Credit report entry highlighting the charge-off.

I respectfully request that the CFPB assist me in resolving this matter by ensuring XXXX XXXX complies with federal laws protecting active-duty service members. If further documentation is required, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. I look forward to hearing back with the results of the reinvestigation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint against Solo Funds for engaging in deceptive and predatory lending practices, particularly in the state of XXXX, where payday lending is illegal. The company operates as a peer-to-peer lending platform but, in practice, functions as a payday lender while circumventing state laws. 

My concerns are as follows : Forced Tipping for Loan Approval : Solo Funds requires borrowers to provide a " tip '' in order to secure loan approval. While they claim this is optional, in reality, loan applications without tips are routinely denied. This practice effectively acts as an interest charge, making it a predatory lending scheme. 

Continued Unauthorized Charges : After sending Solo Funds a formal cease and desist letter instructing them to stop charging my debit card, they have continued to attempt unauthorized withdrawals. This clearly violates consumer rights and raises serious concerns about their adherence to fair lending and financial regulations. They attempt to withdraw money from my account for a total of XXXX times for {$750.00}, with the last attempt on XX/XX/year>. 

Illegal Lending in XXXX : XXXX  law prohibits payday loans, yet Solo Funds continues to facilitate such transactions under the guise of peer-to-peer lending. Their practices exploit financially vulnerable consumers while skirting state protections against high-interest lending. 

I request that the CFPB investigate Solo Funds for these deceptive and unfair practices. Their operations should be scrutinized to determine whether they are violating federal consumer protection laws and XXXX state regulations. Additionally, I seek assistance in stopping the unauthorized attempts to debit my account. 

Please let me know what actions I need to take to further support this complaint. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report due to identity theft resulting from a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I went to an ATM to get {$300.00} out using my Bluebird ( American Express ) card and I could hear it starting to count money then it stopped and said my transaction could not be completed. My lady friend used to work at that bank and I told her about it and she in turn called the branch where the ATM was located. She was told they would check their end, but I also needed to contact my financial institution. I did and reported it on their form this was XXXX XXXX 2016 is the date transaction occurred. On XXXX Bluebird reported to me that their investigation was complete and they were not refunding my money because they could n't prove that it did n't give it to me. I showed lady friend the email and she called the Vice President and as she was told no one had contacted the bank about this transaction. I called Bluebird and the XXXX told me the investigation was over and there was nothing I could do. I then spoke to a Supervisor and she told me what form I needed to fill out next to dispute this. I was not real nice, especially to the first lady, but this is ridiculous because I intitially even told them that the bank shows that the cash was not dispensed. So this is where I am waiting to get a response from my second request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within XXXX days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the XXXX legislature, the XXXX XXXX XXXX office, and the office of XXXX XXXX. 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX XXXX XXXX late payments, XXXX Balance XXXX XXXX XXXX XXXX payments, account : XXXX Balance XXXX XXXX XXXX XXXXXXXX payment account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payments of XXXX XXXX XXXX illegal XXXX late payment of XXXX XXXX XXXX illegal XXXX late payment XXXX XXXX closed XXXX XXXX illegal late payment paid off closed XXXX XXXX XXXX XXXX late illegal payment account XXXX XXXX XXXX have attached my letters for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened:XX/XX/2019 Balance : {$1000.00}
Product: Student loan

I have worked in XXXX XXXX ( at a XXXX XXXX in XXXX XXXX ) for a decade. I have made 10 years of payments on time to Iowa Student Loan ( now called XXXX ). PSLF will not forgive the rest of my student loans even though I have met all of the requrirements of the Public Student Loan Forgiveness act. FedLoan servicing claims that none of my 10 years of on time payments count because I was paying them to Iowa Student Loan and not FedLoan. I have met all the requirements of the act and still qualify for forgiveness but FedLoan claims to be the sole judge and jury and told me I need to start 10 years of payments over with them. I think this is FedLoan acting in Bad Faith and intentionally denying my claim for {$7000.00} of debt forgiveness while they continue to collect servicing fees from taxpayers while doing nothing except denying legal student loan borrower claims.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX i had XXXX credit cards with XXXX XXXX they automaticly signed me up for auto pay but to a savings account that had been closed with out me knowing. when the ach were kicked back after a year they waited until i paid XXXX card off and closed them marked my file as i am fraud and now add so much fees monthly i cant pay it off. and there reporting to the credit agentces that i am XXXX  days late when i have never been late and i always make a payment on thus closed account. they wont report it as closed and they wont give me a settlement amount or a payment plan. they also move the due dte to differnt days of the month without tell you.
Product: Payday loan, title loan, or personal loan

My account through XXXX XXXX was charged from the credit place called transform credit Inc. with a number and mailing address that I do not have Im currently on my way to getting my credit fix because I did not approve of this loan through XXXX XXXX. I have contact the fraudulent department and journey, credit department or if XXXXe a separate department not sure if Im making any sense here but Im trying to get this situated because I am on the verge of fraudulent and identity theft so if you could please help me, I have tried to cancel from them even the place from XXXX  XXXX  has tried to call three credit places to cancel, and none of them are answering via by live person. Please help me.
Product: Mortgage

We recently refinanced our mortgage through XXXX at the end of XXXX. They sold our mortgage to Homeside Financial to service the loan immediately after closing. I requested on XX/XX/21 to not include insurance in escrow. I followed up on XX/XX/21 and was told it was still in process and would be complete at the end of business on XX/XX/21. I also informed them at that time our address was incorrectly entered into the system. I submitted their change of address form with our signatures to correct the clerical error. It should have taken 5 days to complete the address change. Neither issue has been corrected. I followed up again on XX/XX/21 and no response has been provided to me. Our first payment was due on XX/XX/21. The company took the insurance money and has not corrected the issue still. It's now XX/XX/21. These are two simple issues to correct and Homeside Financial is unwilling to correct them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX