23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At this point, I DO NOT know what to do. I have dealt with XXXX, XXXX XXXX, XXXX XXXX XXXX and now SLS. I have had three modifications, only one was legit. When I refinanced in XX/XX/XXXX, I signed with XXXX XXXX XXXXXXXX the same day. XXXX is the ONLY mortgage on record, but NO ONE can find any documentation. I have always questioned my modifications and loan servicing since XX/XX/XXXX. I have kept everything. 
I am currently in foreclosure, sheriff sale XX/XX/XXXX. I want to save my home, but I am tired of SLS. I would prefer XXXX  XXXX XXXX then SLS. When I received my last modification SLS became my servicer. When SLS received my account there was a balance from the modification. Which is impossible. At this point I could not see my account online ; they would not discuss it with, and I received NO statements. Just told we are not allowed to discuss your account with you, just send the money. I ended up losing my job and did not get back to work almost two years later. In XX/XX/XXXX I almost lost my home but was able to borrow the money to save it and have the sheriff sale stopped. When I went to make my payment in XX/XX/XXXX, there was a $ XXXX extra charge on my account. I also wanted to set up automatic payments. I was told I can do automatic payments and they do not know or can not tell me what the $ XXXX overage was for. I just need to pay, if I want, I could email customer service. 
SLS uses the fact that my home was not reaffirmed they can not help me only take my money. I am so frustrated. I DO NOT trust them. I can not ask them for help, they always tell me they can not help me. I was told by multiple this would happen and their goal is to take your home. I can go and on. I do not understand how I can balance after a modification and sheriff sale. I wish I never refinanced and stay with my FHA loan. It has been a nightmare since.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Im writing formally to express my concerns regarding Zelles handling of disputes particularly, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the Experian, XXXX and XXXX Bureaus to remove these specified accounts below : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX  XXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Product: Credit card or prepaid card

I paid a bill online and inadvertently sent a payment to my Williams-Sonoma Visa card instead of my Rapid Rewards Visa. I had charges for a four person trip to XXXX in my Rapids Rewards Visa and intended to send {$12000.00} to my XXXX XXXX Rapid Rewards Card. I received an e-mail from Williams-Sonoma Visa on XXXX XXXX to acknowledge my payment. I notified them immediately and it was agreed I now had a XXXX credit balance. I have called several times and have been told that the money was not actually in the W-S account because it takes a long time to clear the bank. It is now XXXX XXXX. I need this money to pay the account I actually owe. I feel W-S is keeping my money as long as they possibly can when I do not owe them any money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX Pl XXXX, SC XXXX Subject : Dispute of Debt and Request for Validation XXXX Dear XXXX Funding, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year> I do not recognize this debt, and I believe there is an error. 

It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with XXXX FUNDING, or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within 30 days : 1. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements.

2. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

3. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 

Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 

Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was trying to refund money from merchants who did not provide the service or effective service and then PayPal Discrimately limited my account and failing to give me my funds immediately to pay my bills
Product: Student loan

I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX. There has already been several settlements from Navient for widespread, unfair, and deceptive student loan servicing practices and abuses in originating predatory student loans for profit schools, such as XXXX XXXX. They held onto my application for 51 days and ended up denying my application and provided me with the following reason : " Navient carefully considers a variety of factors in determining whether a private loans should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' There is no actual reason for the denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  tied to these loans. There is no reason my application should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

After negotiating a sttlement, and paying such settlement, theyrefuseto report and account settled and no longer open.. Ive tried several times, via dispute, to get them to correct this issue... They refuse, which makes it look like, on my credit report, that the acoount is still open, and not settled...
Product: Mortgage

Consumer Finance Protection Bureau DEAR SIRS : XX/XX/XXXX XXXX I have been dealing with Gregory Funding since the Corona Virus Pandemic in XXXX of XXXX= There seems to be different option every time I call Gregory Funding- with Late Fee Charge and compounded interest on my residential home loan- # XXXX First Gregory Funding will not allow a REAL Forbearance to rearrange my monthly payment to the end of the Lease- responding that they are not a Federal Insurance supported Bank- Now they want o Modify my 4 % loan with a ton of paper work that they can not find on a timely manner including misplacing documents= My Question for CFBE is to see where the funds for the modification process would be coming from in the event, I get to participate with the Modification Process= The only way I know for Banks to get reduced interest rates are to turn to the Federal Markets to accomplish that = What I need is at least three months with a full forbearance of the Mortgage Payments, allowing them to be added to end of my Mortgage Term= as most bank in the USA are now doing- Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax 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 credit card account from XXXX XXXX XXXX XXXX with a balance of {$21000.00}, a credit card account from XXXX XXXX  XXXX XXXX XXXX XXXX a balance of {$1100.00}, a Navient account with a balance of {$26000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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: Student loan

To Whom It May Concern : During my medical residency and fellowship there is a mandatory forbearance that must be submitted each year to HESC. This form must be signed by my supervisor before it can be approved. If a form is received by HESC late ( due to my supervisor not signing and submitting by the due date ) the forbearance will be retroactive. 

This scenario happened in XXXX and XXXX, and while HESC did retroactively accept the mandatory forbearance on both occasions, they did NOT remove the late payments from my credit report.

I have attached two documents to this complaint proving that the forbearance was retroactive.
Product: Credit card

Inquiry into credit to open a credit card without my consent or knowledge. US Bank sent correspondence to my actual address to report suspicious activity and confirm my involvement of opening the card which I denied. Card was not issued to my knowledge
Product: Credit card or prepaid card

Citi closed my account without my attention. I did not ask Citi to close my account, but Citi closed it without my permission, and I did not know it.
Product: Student loan

Attention Edfinancial Services XXXX Account # : XXXX Please read the attached document. 


XXXX : The last option on CFPB questions did not quite match, however, I chose the best option to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Student loan

In XXXX of 2025, I was informed by the Department of Education that my loans were being discharged from my school being a part of a class action suit about being fraudulent and deceptive. The XXXX vs XXXX. It's been 6 months since then and I've requested when they might get discharged and be issued a refund. As others I've know to attend the same school and received their discharge and refund back already I have not. I was told that they were still waiting on the Department of Education to process this but I believe Nelnet my servicer in delaying the discharge and refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I was on the XXXX website and it said I had a " hard pull '' on my credit which " suggests identity fraud ''. Then it said it wanted to get information from TransUnion but couldn't. I went over to the transunion.com site where it seemed to indicate that I already had an account for my email address, perhaps from a previous incident in which I was provided credit protection services. I tried to reset my password and it didn't give any feedback as to whether I did indeed have an account or not. Then it asked for more information as it appeared to be asking me to update my current information. The site never asked me if I wanted to buy anything. The terms and conditions were inaccessible. After providing the information to log in, the account page said that it had charged me {$24.00} for reports covering 3 credit agencies even though the website only showed one and appeared to ask me to purchase more services to access the other two. I never agreed to have my credit card charged. I was simply trying to get into what seemed to be my pre-existing account to see what they offered, to see what they would charge for their offer and make a decision based on that. Instead, they went ahead and charged me for services - services that they didn't actually render. Again, the transunion.com site never presented me with a description of their services nor did it ask me if I wanted to purchase their services. But I ended it up with a charge against my credit card regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX  and Trans Union credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and Trans Union by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and TransUnion was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of Texas debt collection practices as well as consumer privacy laws including fcra and fdcpa. I have repeatedly put them on notice and filed claims with the cfpb. Now complaining with the IRS and the OAG. 

XXXXXXXX XXXX nor its associated company XXXX XXXX XXXX are licensed in the State of Texas to collect on Debt. They have ignore previous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover bank is false reporting utilization on my credit inaccuracies, I've never owed over my credit limit or went over my credit limit past {$100.00} this is wrong I've ask discover to fix multiple time and disputed and complain. my credit limit is {$6100.00} total account number : XXXX IN XXXX MY BALANCE WAS {$5900.00} AND MINIMUN Payment was {$110.00} which I payed. 

my account got high jacked and frauded so they used about {$700.00} on my account so after reporting and claim. my XXXX balance became {$6200.00} and minimum payment was {$120.00} which I payed. 

my account is on hold lock because of fraud claim so no additional usage til this day no new transaction XX/XX/2023 so how is my card over {$2000.00} my balance became {$8300.00} how when they frauded my account for {$700.00} which original put my account over {$90.00} only so I'm in the red {$90.00} and made 3 payments since so I should be in the green {$300.00} but I'm not I'm over {$1600.00} make no sense. 

someone please fix this its false and illegal
Product: Credit reporting or other personal consumer reports

This my refiling of complaint to TRANSUNION for still allowing the unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report again I still see these unauthorized inquiries and fraudulent accounts are reporting on my credit report and no further actions have been taken and they are not taking seriously this matter. I have filed an FTC report which I included here with report number XXXX and XXXX