23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, NC XXXX has been my home for over 10 1/2 years, my mortgage lien holder was USAA, which they have void their own contract with me and my husband. USAA from the beginning of my loan XXXX who said they messed up all paperwork and returned it back to them with all payments, 2nd was XXXX after an audit they returned it back, 3rd XXXX, and 4th XXXX during the whole process of the loan. During my bankruptcy USAA was over paid during XXXX through XX/XX/XXXX from the NC Trustee, an investigation implemented which took USAA 3 years and I heard nothing. USAA set on this paperwork and at the end of the fourth year offered a modification, which in the modification had some words that covered their mess and time lapse. We hired a lawyer for another 3 years went by, and USAA has now, pushed to take our home again. They said we have three options to reinstate from the bankruptcy and paid in full, next is short sale, last is vacate property. USAA feels like the laws of NC do not apply to them, nor do they regard the process. I am granted 30 days to make a decision for the 3 options, and because I put in a complaint with two agencies they have taken these options off the table. The letter was delivered to my house on XX/XX/XXXX, but dated XX/XX/XXXX, not allowing any time to do any rebound. Auction for my home has now moved up to XX/XX/XXXX, given me less then 30 day to find a solution to my housing situation. My husband has served this country and still serves ; we should not be treated in such a matter. We went through financial hardship, and we have recovered and USAA is trying to say we have a negative NPV, which I believe is in correct. The appraise of the house is less then what they are asking for, XXXX XXXX XXXX XXXX Modification rep, I spoke to XXXX XXXX, I also left a message for XXXX XXXX XXXX XXXX. This is my second attempt to get assistance by the State of North Carolina.
Product: Credit card or prepaid card

Chase has informed me that they plan to close one of my credit card accounts. This account has been inactive for quite sometime with a XXXX balance. They informed me when this card expires they will in fact close this account. The problem with this is when they do close this account this will cause a reduction in my FICO score, I 'm currently saving and planning to make a purchase of a new home. This FICO score drives the interest rate and my new payment amount. If chase should choose to close this account and my score decreases due to this it will cause a financial hardship to me and my family, costing me tens of thousands of dollars in a course of a 30 year note. This is assuming I can even get approved at that time due to this. I 'm bringing this up as many years back when the economy tanked I never missed any of my payments they decided to reduce my line of credits setting off a chain reaction of many of my accounts pulling back on my there line of credits too. This at time could have cost me my business however I was able to weather the storm and endure the added costs inflicted upon me and my family. I 'm attempting to be proactive this time with no plans to simply roll over on allowing the big banks to again damage me. It would be different if I was bad paying consumer however I have literally 20 plus years of perfect credit When I say perfect credit what I mean is never miss a payment never not fulfill a commitment. This is what used to count not inquires, closed or open accounts or age of those accounts.This FICO score is driven off many factors and when a bank decides to hurt me for doing nothing wrong it is not fair to the consumer. If I were to harm them by not paying them I would end up in court. The same should apply to them as they should be held to a higher standard. This information is in regards to account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not list the correct balance owed to XXXX  XXXX. The amount they say I owe is {$3800.00}. I sent them {$200.00} a couple of weeks ago and they will not even note that payment on the experian report. Status should read payment plan.
Product: Checking or savings account

My name is XXXX XXXX. I was approved for a PPP loan through XXXX and the lender XXXX for the amount of {$20000.00}. My loan # is XXXX. I am an XXXX XXXX XXXX XXXX, and I operate my XXXX  as a XXXX XXXX, so I do not have a XXXX  checking account, nor am I required to deposit my PPP loan into a XXXX  account. However, my personal checking account at TD bank ending in XXXX froze my funds for just this reason, since XXXX. I can provide anything required of me to prove my ownership of XXXX.
Product: Student loan

Navient incorrectly processed ICB repayment plan paperwork for at least 6 months or more. Each of these months I was put into deferment until they could resolve the issue. I called monthly to check on the status of the request and make sure it was being handled. Being in deferment caused me to incur more interest than necessary- their error at my expense. By the time it was resolved, I had to resubmit paperwork with the next set of tax returns- it took that long to resolve!
Product: Debt collection

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all I ask them to remove this because this is not my debt. {$820.00} was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit with out me knowing it
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 1. 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: Checking or savings account

The bank closed the account, i asked for a check and the executive office, XXXX said that if i go to the XXXX branch I could notorize an endemnity form and get a new check but when I went they said they could not do that.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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 XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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 of convictions of crimes which antedatesthe report by more then 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
Product: Debt collection

My son went to a XXXX on XX/XX/2018. They filed my insurance for the visit and my EOB showed that I owed them {$100.00}. I never got a bill for the visit but tracked it on a spreadsheet like I do all of my bills so that I know when the visit was and how much my insurance company says I owe. I waited and waited for a bill. Finally got bill # 1 with a statement print date of XX/XX/2018 with a due date of XX/XX/2018. There was no urgency to the bill- nothing that noted that this was an attempt to collect an overdue amount or that I was 90 days past due etc. Just looked like a routine 1st bill. I had not had a chance to even write a check or attempt to make a payment when I get a letter from a collection agency dated XX/XX/2018. The letter from Transworld Systems Inc stated that it was a courtesy notice from a debt collector and I had 30 days to dispute the validity of the debt. I called the XXXX phone number about the bill on XX/XX/18. I was told that the bill dated XX/XX/18 was my 4th notice and that 3 others had already been sent. I told her that was not true and there is no way that I missed 3 bills from them. I also asked why this current bill didn't show that I was 90 days past due and that if I didn't pay that it would be handed over to debt collection. There was nothing on the bill to indicate that it was past due or near collection. She said she had no idea why and that her system shows the 4 letters were sent it and it was my problem and very rudely wanted to collect a payment. I told her I would pay her. That I had a Health Savings Account and that I worked for an XXXX XXXX and track all of my bills on a spreadsheet and I had been waiting on this bill. She still continued to stand by the fact that is was my fault and there was nothing that they did wrong.
Product: Credit reporting or other personal consumer reports

I filed a complaint back in XXXX 2024 and Experian, XXXX, and XXXX did not delete the items from my report.
Product: Money transfer, virtual currency, or money service

Searching to get a pitbull puppy on a private facebook page account. We selected a puppy and the guy said he wanted half up front and half later to get the dog for a deposit. We did not think this was going to be a scam because he knew so much about these dogs and he was on a XXXX  account. We sent him {$350.00} on a mobile XXXX pay app. He deleted everything and his page and the site. We emailed SunTrust Bank right away for fraud and scam. They said there was no error on this case XX/XX/19. This was a complete scam and we trusted the XXXX page account since it was a private group. The transaction occured on XX/XX/19 for {$350.00} with a name of XXXX XXXX using our bank debit card. Please help us get our money back. This hurt us.
Product: Debt collection

They sent a letter through mail saying for me to be in court XX/XX/XXXX or they will freeze all of my acct with my name on the acct. And Garnishee my husband work check They say I owe XXXX from XXXX XXXX In Tennessee I am guessing.and the letter is showing all of our acct info on it. I have tried to email them like the letter said to do but no response.and the plaintiff is. XXXX XXXX from XXXX Oh
Product: Student loan

During my XXXX degree, I was unable to pay for my education in its entirety. At the time, my school advised me to look into loans with XXXX XXXX. The interest rate were reasonable ( not higher than 7 % ) and XXXX XXXX would practically approve ANYTHING! I had no idea that I would be setting myself up for failure once I completed my education. XXXX XXXX transferred my loans to a company called Navient. This company is the epitome of HARRASSMENT. Not only do they call you about payments ... they harass the co-signer as well no matter what time of day. I have even received a phone call from them at XXXX.! The only way to not have Navient call and harass me or my co-signer multiple times a day is to put the loans in forbearance or try to make a monthly payment.I have tried on numerous occasions to try and lower my payments but I was told and I quote, " You are going to have to figure it out and there is no way for you to lower the payments! '' The worst part is that once Navient took hold of my loans, my interest rates jumped to 9.75 %! There is no way a student in their right mind would sign up for a loan with this high interest rate ... not even a desperate one! The company 's forbearance policy is very interesting. The fee is always {$150.00} but sometimes the forbearance can last 30 days and then there are times it can last 90 days. It 's just up to them and whatever they decide at the time. Well, considering that I have other debts to pay because I paid for my XXXX degree out of pocket ... there is NO WAY I can pay XXXX XXXX and survive. I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

XXXX has committed multiple violations of the FCRA. Please see attachments. 

Additionally, Experian and XXXX have committed multiple violations of the FCRA concerning this matter. Both Experian and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to Experian dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a copy of my report after finding out my information was in yet ANOTHER data beach ( the 3rd one now ) and every time I've tried to access my Equifax report, I'm told that they " can't verify my identity '' after answering the security questions. This last time on XX/XX/XXXX I was asked about an auto loan and payment on said loan, and a line of credit and payment on said credit, NEITHER OF WHICH I HAVE! Those were the only questions, I don't have either of the accounts they are asking about! This happens EVERY time and only with Equifax! I think their verification process is backwards and THEY should have to verify information with the CONSUMER, and actually make these companies provide legal, legitimate documentation proving the information is correct - which they DON'T! I spoke with a representative and verified my 1. Name 2. Date of birth 3. Social security number 4. Phone number 5. Mailing address 6. Physical address 7. Naming random credit cards issued to me including month and year of issuance on more than one card 8. Payment amount on said accounts verified 9. Most recent employer BEFORE the current employer I now work for - seriously, what more do they want?! Who are these people anyways, and who gave them permission to basically steal MY information - when I never authorized them to have it in the first place, and then tell ME that they can not verify MY OWN identity?! With over a million consumer complaints lodged against them I would think they would be better regulated & held accountable considering!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$9700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit card or prepaid card

I have an American Express Serve card this the 4th time I have had an issue with my receiving my money. XX/XX/2018 I couldn't receive my income taxes because there is always with the system. In XX/XX/2018 my DD was late they shut the phones off so customer couldn't get through. On XX/XX/2018 while on vacation in Tennessee I didn't have access to my account for 2 hours and now on today XX/XX/2018 I have called 5 times about why I have received my direct deposit I was given the run around. I couldn't pay my bills that were due today and now my phone will be off tomorrow and I don't have any food this is ridiculous. I opened an account at real bank I just need my money.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I used Remitly to transfer a total of USD {$4000.00} to XXXX in XXXX. 

The amount was sent to my wife 's account in XXXX, in 2 transactions of USD {$2900.00} and USD {$1000.00} on XX/XX/XXXX and XX/XX/2021. Unfortunately, I did not check my XXXX account until XX/XX/XXXX, trusting that the money would have been deposited on time or Remitly would have notified us of any problems faced. 

After digging into the issue yesterday, we realized that the recipient 's account number had a typo with two digits switched, and we immediately called XXXX and learned that the incorrect account number was infact non-existent. XXXX advised us that when money is attempted to be deposited into an invalid account, the money bounces back to Remitly - the originator of the transaction. 


Up until now, Remitly has not returned our money nor has been there any communication from Remitly that money was returned. Kindly arrange for my money of {$4000.00} returned to me at the earliest. 

We have ofcourse called Remitly Customer service and we have a case opened for investigation. The case number XXXX ( original case # ). 


I would greatly appreciate that you kindly help me resolve this issue immediately. I hope Remitly is bound by ethics and will legitimately refund my money. 

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

To XXXX XXXX of XXXX XXXX and calls answered by night as XXXX XXXX  and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through Wells Fargo. 

I would call Wells Fargo as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX