23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went online last night to try and get assistance with our mortgage due to our hardship caused by covid saw they still showed me in bankruptcy so i uploaded my discharge. Called today XX/XX/2020 at approx XXXX XXXX spoke with XXXX he saw my discharge papers then call disconnected then called back at XXXX XXXX spoke with another gentleman transferred me to BK dept spoke with XXXX she said she saw discharge and i was in CH XXXX and i corrected her said, " never in a XXXX it was ALWAYS a CH XXXX '', she said they need to correct that but she said '', you have exhausted all your options anyways and we need to correct the issue which can take 30-60 days '', I told her I was never given options and she said I had a modifcation and I said yes it was years ago and now with covid we are having issues. She said there is nothing, I asked her about a forebearance and she declined said there is nothing to offer me. I told her I would not be paying my mortgage this month due to our hardship and she can get her stuff together and do what she needs to and i will too and hung up.
Product: Credit card or prepaid card

I purchased a order with XXXX XXXX XXXX in XX/XX/2020 in the amount of {$420.00}. But on my credit card its statement its shows {$1000.00} I have spoken with them and they stated XXXX XXXX XXXX havent sent the proper information over to them. I have been charge the wrong amount since XX/XX/2020 2020
Product: Consumer Loan

I called my current bank to ask for a refinance on my current car loan. I am currently at a 6.9 % with 54 payments to go. I have improved my credit greatly since I took out this loan. They approved my loan and then offered me a rate higher than what I have at the same number of payments left. I did not know a bank can try and put you into a loan that created no benefit and raises my payment and term.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report I found out that a company name BRIDGECREST FORMERLY XXXX, has reported to the credit bureaus that I missed payment 2 times which is inaccurate because back in XXXX of XXXX due to my financial difficulties I requested for an extension then I was asked to pay the sum of {$270.00} with the extension that will bring my account to current ( fresh start ) they said this way my account won't be reported the credit bureaus as a 30 days late which I agreed to. But to my biggest surprise they still went ahead and reported it to the credit bureaus as 30 days late so I called them immediately to ask why they still reported 30 days after I paid the {$270.00} they apologized for the error and corrected it immediately. Then in XXXX of XXXX similar thing happened I had just lost my Mother I it was a very difficult time again financially, so requested for an extension again I was asked to this time the sum of {$300.00} to avoid it being reported to the credit bureaus again I agreed to the term but just like before they reported to the credit bureaus as 30 days late as usual I called again to ask why but this the costumer service representative hanged up the phone on me I called back again they put me on hold for a while they went back to XXXX of XXXX to change current to 30 days late I do not think this is a standard credit reporting act and the consumer law. Then I file a dispute with all three major bureaus, the information sent to the credit bureaus did not include the {$270.00} and the {$300.00} respectively.
Product: Debt collection

XXXX  XXXX put an In Collection/charge off status in my account. This derogatory mark has blocked me from getting credit cards, Business opportunities, Apartments to rent, personal loans and others. 

I was never called or notified by this company about this problem. All I know is that I helped a friend buy a car and now he is in prison and the police confiscated the vehicle. He stopped making payments because of this situation and maybe that's why XXXX decided to close the account and put it in my credit. 

However, they never call me once to work out a deal or to ask me what is going on ; thus, I never thought of it, since I did not even have access to this account! 

They just decided to put this derogatory mark on my credit and trying to ruin my life.
Product: Mortgage

A former servicer failed to respond to a timely Request for Information and Notice of Error concerning improper handling of a modification application and transfer. 
On XXXX XXXX, XXXX, Roundpoint Mortgage Servicing Corp. received the borrower 's RFI and NOE according to USPS tracking of the certified mailing. An acknowledgement notice was sent by Roundpoint on XXXX XXXX, XXXX indicating receipt of the RFI/NOE on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Roundpoint issued an extension notice until XXXX XXXX, XXXX for its response. ( While the XXXX XXXX notice was in the mail, the borrowers sent a NOE on XXXX XXXX complaining about the failure to reply to the RFI/NOE. ) No response to the original RFI/NOE has been received and it is 8 days after the XXXX XXXX deadline. No response to the XXXX XXXX XXXX has been received. 
The original RFI seeks a copy of the loan transfer schedule that Roundpoint made when it transfered servicing of the loan in XXXX XXXX to XXXX XXXX XXXX. The RFI also requests other documents relating to the transfer of the borrowers ' loan. 
The original NOE concerns the possible failure of Roundpoint to list the borrowers ' loan as a HAMP eligible loan at the time of transfer. The borrowers had submitted a HAMP modification application to Roundpoint prior to the transfer and had not received notice of eligibility or ineligibility for HAMP. The NOE requested that Roundpoint correct for this error by amending the loan transfer schedule to list the borrowers ' loan as a HAMP eligible loan. 
Prior to the RFI/NOE, the borrowers had made a request to XXXX XXXX for a HAMP Modification, but XXXX denied the request because the loan was not listed as HAMP eligible at transfer and XXXX is not a HAMP participant. The borrowers desire a HAMP modification to preserve homeownership for a property that they have lived in with their family for 31 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.
Product: Student loan

I have already filed a complaint against National Collegiate Student Loan Trust ( NCSLT ) # XXXX-XXXX. I was encouraged by my " for profit '' XXXX  school to take out predatory private student loans while I attended their school for almost 10 years at the rate of approximately {$5000.00} per semester. I never graduated, and am now a XXXX XXXX  XXXX XXXX  rated as individually unemployable. I have a very limited income, and can barely pay my rent since my ex-husband left and stuck me in a lease of $ XXXX/month ( which takes up 99 % of my XXXX check ). Although all of my federal loans have been forgiven due to my military  XXXX status, NCSLT insists that I owe approximately {$120000.00} with ever increasing interest. After the last dispute/ investigation, NCSLT told investigators that they didn't know who I was, and so the investigation was passed onto their collection agency, XXXX , XXXX . Since then, however, I received mail from XXXX XXXX stating that NCSLT intended to sell my financial information to others unless I returned their form with the appropriate checked boxes. In addition, NCSLT has now hired a new collection agency- Patenaude & Felix , A.P.C. See attached documents. I fear that NCSLT will continue to ruin my credit due to these predatory private student loans that were heavily encouraged by my " for profit '' graduate institution that targeted students that were either immigrants or else were the first in their families to attend college prior to 2008.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues in the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle filter. 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 consumer safety.
Product: Debt collection

- XXXX - XXXX I received an email from the company named XXXX XXXX stating that my loan request was denied while I did not made a loan request from them some trying to ask loan under my name. 


- also I try to apply credit card I find out with too many reports from XXXX stated that I have debts from the company named Midland Credit Management, XXXX XXXX and XXXX XXXX XXXX 

I have none of them a debt
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I tried to apply for XXXX XXXX and they denied me due to a freeze on my TransUnion account ( please see document ). I logged into my account on TransUnion and there was no freeze reported on TransUnion 's website. On XX/XX/2023, I tried to apply to XXXX credit but my application was denied due to XXXX citing that there was a credit freeze on my TransUnion account ( see image ). After investigating to clarify the issue, I chatted with an online customer service representative from TransUnion who assured me there was not a freeze on my account ( see images ). I then chatted with a XXXX customer service representative and they reiterated that my application was not processed to due the TransUnion freeze. TransUnion is being incredibly unhelpful and isn't investigating into the issue further or escalating the issue. I asked the customer service rep to escalate the issue for me and they said they wouldn't ( see images ). Because of this " freeze '' I'm not able to apply for credit or loans as long as this freeze is in place, and I have now been denied application to XXXX loaners because of this " freeze. ''
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. Despite my previous attempts to resolve this issue, I have yet to receive an adequate response or resolution. 
This letter serves as my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX 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/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue
Product: Debt collection

I received a collection notice from XXXX ( original creditor Synchrony Bank ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM XXXX XXXX. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Product: Checking or savings account

Bank of America won't give me my money out of my checking account! Everytime I try to transfer any of my money out with XXXX My account is frozen and I have to talk to the zelle department. Which they refer me to the fraud department who is not helpful. I spend hours on the phone with them trying to get my money out of my account but they keep freezing my account from online access and locking my debit card. I have been a customer of There's since 2009. BUT once I get my money out of my account I will never do business with them again and I will warn everyone I know about Bank of America and to avoid them and not get screwed over by the bank of scumbags!
Product: Debt collection

I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. It is a fact that I extended my social security card to Navy Federal Credit Union : which is ; Pursuant to 15 USC 1602 ( l ) any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Furthermore, a finance charge was involved. Congress told me that a finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is.

1. I should not have been receiving bills through interstate commerce, 2. This credit card should not have been closed, by these people. 3. This is classified as Unauthorized use under federal law. Furthermore, 4. I should not have been denied credit twice, which constitutes discrimination. Lastly, they should not have furnished this experience that we have with each other on my consumer report without my permission per federal law. This constitutes fraud and Identity theft under federal law and I have XXXX the XXXX off, this XXXX!!!!!! and wrong!!! 

Although I have sent them a cease and desist letter, They are still contacting me and reporting on my consumer report. In addition, I requested verification of this account and they have failed to do so. This company has damaged my reputation, my health, and my mode of living. Navy Federal Credit Union is in violation of the detailed subchapters of TITLE 15 USC CHAPTER 41.
Product: Checking or savings account

In 2016 my ex-girlfriend 's cousin stole a check and over drafted my account. Now, 5 years later US Bank still has not done anything to rectify the situation. I have submitted my police report to them on no less than 3 occasions. I call them every few months for an update and I receive the same answer, " they're still waiting on the police report. '' I have receipts of two occasions where the police report was indeed sent at the requests of the US Bank representatives. The receipts include names and email addresses of the recipients. I also have the name and address of the thief. Her name was written and signed on the check. My signature was nowhere to be found. I am very concerned that the unauthorized check was cashed in the first place and even more so at the incompetence of US Banks representatives. They continue to deny I sent them any documentation, though I have proof that it was not only sent, but also forwarded to another employee. I refuse to pay them for money that was stolen FROM ME. As such I have been unable to open an account with any other bank for the entire time ( 5 years now ) I strongly urge anyone to avoid doing business with them because from my experience they do not care about their customers. This needs to be investigated and rectified as I am certain I am not the only experiencing these issues with US Bank.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$1100.00}, XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX Balance {$520.00}, XXXX XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 around XXXX XXXX, I noticed in my 53 bank account activity that 3 of my checks had not properly cleared, Check XXXX, XXXX, and XXXX. More importantly, I noticed that Check XXXX had been processed by my bank for a fraudulent Amount of {$2900.00} to a XXXX XXXX. Date on check was XXXX. XXXX XXXX 

I don't know for certain what happened but this check had clearly been stolen from the mail or from the banks offices, washed, and a new payee and amount had been written onto the check. It was clear that this check was fraudulent if even the most minor of checking was in place. 


On XX/XX/2023, I first contacted 5/3rd online fraud center and was told to contact my local branch to file a report. I contacted the branch office of 5/3 bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud report with them giving all the necessary details to file a fraud report. They gave me the number for XXXX XXXX XXXX XXXX She said it could take between 30 and 180 days. 

On XX/XX/, I contacted the XXXX Postal Police at XXXX, I had dropped the checks with the USPS in XXXX, so I thought they might have been stolen from there. I filed a police report and provided that report to my bank. 

Since then, I have contacted 5/3r multiple times, including XX/XX/XXXX in which they said they were waiting on XXXX XXXX  to respond to their complaint. 
I again with 5/3 bank yesterday, on XXXX  and the complaint is still being processed. 

Anyways, this seems like a situation where FDIC insurance or the banks insurance should kick in as money was directly stolen from an insured checking account and my funds should be restored. 

I have been a customer of 5/3rd bank for more than 20 years, never filed a complaint, and this is how I have been treated. Imagine how they would treat a new customer.
Product: Credit reporting or other personal consumer reports

My information was compromised. My data was affected by equifqx
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a job and need to get a cold check removed from this. It was my own checking account that was closed and I forgot i hard a check still out.
Product: Credit reporting or other personal consumer reports

There is credit card from Capital One " Quicksilver '' reporting on my consumer report that is not mine. My name is XXXX XXXX XXXX not XXXX XXXX XXXX.