23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr Cooper has evidently bought my mortgage from XXXX XXXX, and it has been an absolute nightmare from the beginning date of XX/XX/XXXX. I asked them to remove the PMI from my account and after stating that I don't have enough equity and I can pay {$150.00} to have a broker appraisal done. Even though they show on their website that I'm sitting at 52 % ownership position with {$180000.00} ( uploaded copy below ) of equity and a loan balance of {$160000.00} and I know they are wrong ; I agreed to go ahead and have an outside opinion scheduled so they can no longer use that as an excuse. They actually sent me an email from their PMI department ( uploaded copy below ) stating that I purchased the property for {$160000.00} and the current loan balance is {$190000.00} which is the exact opposite of the facts. I purchased the property in XXXX for {$190000.00} and my current loan balance is approximately {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Product: Debt collection

I'm not the person they're calling for. 

The following phone numbers have attempted to make contact with me leaving voice mail messages asking for someone else. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Money transfer, virtual currency, or money service

I sold furniture to a buyer. I found a shipper who asked me to pay for the shipping via Cash App on XX/XX/2021 and then they would reimburse me once the buyer pays for shipping. The buyer paid for shipping that same day. The shipper never picked up the shipment. Buyer and I contacted shipper several times requesting fulfillment of service or refund. Shipper is not responding. I contacted Cash App since their website states that you can dispute a payment. I called and emailed several times with Cash ap. They keep telling me that they can not help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.
Product: Credit card or prepaid card

I have agreed to AmEx 's paperless billing and had my notifications set so that I would receive an alert each time a statement was published in my account ; however, I never received notification when the XX/XX/XXXX statement was created. When my XX/XX/XXXX statement arrived on XX/XX/XXXX, I logged in to find out that I missed the payment and I immediately paid the outstanding balance in full. Then I chatted with customer service, who agreed to waive the interest and late fee associated with the missed payment as I had already rectified the situation. I've attached screen shots. 
Then, on the next month 's bill I was charged additional interest and fees relating to the same event, in which AmEx had already agreed to waive the interest and fees. To date they have charged me {$180.00} for the single missed payment, net of the interest and fees they did waive on XX/XX/XXXX. I've closed my account and paid their fees to keep them from further bullying me, but they acted in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account inaccurate account with XXXX XXXX and Equifax and after their re-investigation they marked the account as accurate even though there is a different persons name associated with the account and the name does not match the social security number associated with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Account is reporting to credit bureaus and I am receiving statements in the mail Account is not mine and is a result of identity theft Previously reported to creditor via mail with identity theft reports
Product: Credit card or prepaid card

I had to XXXX the phone number when it had been a few weeks since my purchase and I had not received a bill. I was able to put in my SOC/zip and it pulled up my balance and asked if I wanted to Pay Balance IN FULL, the balance matched my receipt so I said Yes and paid. Over a month later I received a bill with Finance charges and late charges. When I called the billing rep said she could not fix or adjust my account due to the company going through bankruptcy. She said she would place an escalated complaint and I should get response by mail in about 6 weeks. All that I  have received are more invoices with more interest/late charges. I paid my purchase balance in FULL to the XXXX within a few weeks of my purchase { without having received an invoice }. The invoice I just received says are charging me {$130.00} for lates fees and interest and I do not owe this.
Product: Money transfer, virtual currency, or money service

I was trying to log into Coinbase but there is always a box that says that the 2-step verification code is incorrect. I am using the Authy app, which always used to work. But for some reason the Authy code is not working. I tried the solutions from Coinbase but that has not gotten me farther. I emailed Coinsbase 2 weeks ago but they still havent replied.
Product: Mortgage

I applied for a Loan Modification with my mortgage servicer Citimortgage XX/XX/2016. I have complied with all requests for updated documents and have sent them all in a timely manner. To date XX/XX/2016 Citimortgage has not made a decision on my modification although I qualify under all of the guidelines : my loan is owned by XXXX etc. Citimortgage has also started foreclosure litigation against me even though I am in consideration for the loan modification. I can not afford a lawyer at this time and the HAMP program is set to expire on XX/XX/XXXX. Please help. I do n't know what to do. I have been employed at a new XXXX job for over a year now which pays me enough to be current on a modified loan. Thank You.
Product: Debt collection

I took out an advanced payday loan in the amount of {$500.00} while struggling through college in "  XXXX   XXXX  ''. At the time I was working part time in between classes and was soon getting ready to graduate in  XXXX   XXXX . I anticipated paying the loan back a fter two  weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements.     Fast forward to  XXXX   XXXX  -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me.     I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to them.
Product: Mortgage

They keep selling my mortgage my interest rate goes up and the link in time of the loan keeps getting bigger taking longer to pay for there is a deferred balance on the account that's not even legit I want to sell the property and get out from under it or I can no longer afford it and I'm up in age to where I can't afford it. These mortgage companies are doing wrong with every one processing their accounts correctly. Always ripping people off not posting info to accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint under the family educational rights and privacy act ferpa regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the department of educations databases. 

On or around XX/XX/scrub> 2025, I became aware that individuals associated with, who were neither school officials nor authorized representatives databases that include my personal educational records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access and I believe this consistitutes a violation to my FERPA rights.

To my understanding, the Department of Education is required to safeguard students personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their handling of my dispute concerning inaccurate information on my credit report. I believe that Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to address this dispute in a timely and appropriate manner. 

According to the FCRA, credit reporting agencies ( CRAs ) are required to investigate any disputes raised by consumers. However, despite my efforts to resolve this dispute, I have received no adequate response from Experian. This negligence not only undermines my rights as a consumer but also impacts my creditworthiness. 

Furthermore, I wish to highlight another serious FCRA violation where Experian has, without valid justification, deleted a positive account from my credit report. The FCRA mandates that CRAs provide accurate information about a consumers credit history, which includes maintaining positive accounts that reflect my true creditworthiness. Deleting such accounts without reason is unjust and falls short of the compliance standards set by the FCRA. Clearly states account Paid/ Closed/ Never Late I also want to point out that Experians assertion that it takes 30 days to contact a creditor is misleading. Such communication typically occurs in an electronic format and can be executed much more swiftly. Therefore, I find Experian 's delays unacceptable and indicative of a disregard for the law and my rights as a consumer. 

I kindly request that the CFPB investigate this matter thoroughly. I seek a resolution that includes the reinstatement of the positive account on my credit report and appropriate action against Experian for their unlawful practices as mandated by the FCRA. 

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

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

I do not recall paying my M & t mortgage 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to m and t. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX  and XXXX.   This has caused lot emotional stress. Please assist with this 30 day late removal.
Product: Credit reporting or other personal consumer reports

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the XXXX Credit Bureau but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Product: Debt collection

I get called everyday from MCM. I keep telling them to stop calling me. They called my roommate who no longer lives with me and that is unacceptable.
Product: Debt collection

I have evidence to suggest that I included a cease contact phone call, as I did not answer the phone otherwise when they called because they ignored me when I said it wasn't my debt. They harrassed me into paying off half by stating that they would settle for half. 
Now they are saying they never said that and continued calling even after stating a cease of contact on XX/XX/XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX I called a number in which I found on an old department of student loan statement. 77 Elite also known as XXXX XXXX XXXX answered the phone. I spoke with XXXX XXXX who told me that the company would assist me with getting out of default with my loans, prevent the IRS from garnishing my income tax refund, and would set me up in a program known as the Revised Payment Plan. Under this plan, XXXX informed me, that I would pay approximately {$220.00} in principle payments for the next 10 yrs ( 120 payments ), and that after the 10 yrs is up I would be eligible for another plan known as a teacher loan forgiveness plan which would wipe out the remainder of my federal student loan amount on the principle, interest and that collection costs and fees would also be removed at the end of the 120 payments. XXXX stated all this would be done for a small fee of {$920.00} which was paid by me in three increments for the month of XXXX, XXXX, and XXXX. 

I called the XXXX XXXX XXXX XXXX, XX/XX/XXXX and was told that they have never heard of the company. I called the company and was told they have been around for many years and they urged me to fax in my limited power of attorney form. Yesterday ( XX/XX/XXXX ) 77 Elite/XXXX XXXX XXXX   also told me that my loans were being controlled by a collection agency known as XXXX XXXX XXXX XXXX XXXX and that I was accruing $ XXXX/mn in interest fees. 

Yesterday, after many called to the Department of Education, the Department of Justice XXXX XXXX XXXX, and the Department of Justice 's US Attorney 's Office I was told by XXXX XXXX ( XXXX ), the attorney that has my student loan case, that my loans are NOT being held by a collection agency. After my conversation with Attorney XXXX, I called the Department of Education to ask if 77 Elite or XXXX XXXX XXXX makes student loan payments for students. I was told that they have never heard of the company. As a result, I would like my {$920.00} back and this company exposed. 

Thank you for your support, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, in particularly regarding the CFPB highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies Zelles failed to investigate my claims, saying all my claim 's couldn't be found and all my claims would never be refunded.The CFPB states that Zelle has neglected to protect the users allowing it to be easy for repeat offenders to be scammed, making me concerned for my safety.
Product: Checking or savings account

XX/XX/2021 {$1200.00} Fraudulent transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support XXXX  years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all XXXX credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.
Product: Credit card or prepaid card

Company or Organization : capitol one Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$2500.00} I did not make the purchase to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These following accounts are not mine and were taken out in a different name. 
U S DEPT OF EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX U S DEPT OF EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX U S DEPT OF ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent notice to update personal information to CRA and they have not updated, they update the wrong things and won't delete inaccurate and not current information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit (DOMMA) is to assert my command that you,as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced (as mandated) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I submitted a formal dispute to Transunion regarding incorrect items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2033 I received a collection notice from MIDLAND CREDIT MANAGEMEN in regards to doing business with XXXX XXXX in the amount of {$3500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees do to lagged posting of charges and credits. That issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.