23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is currently with Guild Mortgage. I was approved for a refi with XXXX XXXX and started the process which would save me {$500.00} per month. I was ready to set a closing date but I have my home in a land trust and needed to remove the home from the land trust in order to close on the refinance. My title company told me i had to have the mortgage company along with myself sign a direction to convey. I sent my request on XX/XX/XXXX. On XX/XX/XXXX I called and emailed and was told it would take 10 business days. On XX/XX/XXXX I sent another request for update with no response. XX/XX/XXXX I called Guild again and was told I had to wait for a response and could not speak with anyone with regards to this. Today I lost my closing and can not hold the interest rate I had. I want to move my loan from them and want them to sign the direction to convey so I can proceed.
Product: Student loan

I have a parent Student Loan with Navient. I missed my payment in XXXX XXXX th receieved a bill for XXXX and XXXX for {$340.00} due by XXXX XXXX. I scheduled the payment online to be paid on XXXX XXXX in the full amount due charged to me banks account on XXXX XXXX. I have received 3 phone calls a day about a overdue payment. When I ask the rep wo check and see that I have scheduled full payment I am told that is their system. 

This practice amount to harrassment. Today is XXXX XXXX and I am still receiving the 3 calls Why are they allowed to harrass comsumers
Product: Credit card

BARCLAY BANK IS REQUESTING PHOTOS OF MY ID, SOCIAL SECURITY ON BOTH SIDES AND PROOF OF IDENTITY, BUT THE REQUESTED DOCUMENTATION HAS ALREADY BEEN SENT BY FAX ON MULTIPLE OCCASIONS. I WILL WRITE THE DATE EACH TIME THE FAX WAS SENT WITH THE REQUESTED INFORMATION. 

XXXX # FAX SENT XX/XX/XXXX XXXX # FAX SENT XX/XX/XXXX XXXX # FAX SENT XX/XX/XXXX
Product: Debt collection

I have a debt collection that's reporting on my credit for a company that I did not authorize nor grant permission. The account was originally opened on XX/XX/2018 for a creditor that I have no knowledge of by the name of " XXXX XXXX '' in the amount of {$2500.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX, 2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX  XXXX, account number : XXXX
Product: Mortgage

I am trying to refinance my existing XXXX  loan to a lower interest rate and Chase Bank is reusing to refinance my loan. I did an online application in XXXX 2020, spoke to and emailed the bank rep several times, , and submitted all the info and documents that were requested. I also followed up with the Bank rep several times and He asked for my taxes which I provided and also discussed on the phone. He also ran my credit and said that it was now up to the underwriters. 

Attached are copies of emails between Chase bank and myself. This depicts the problem I am having with Chase. Interest rates are very low and Chase is refusing to refinance my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX has 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.
Product: Credit reporting, credit repair services, 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
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Product: Money transfer, virtual currency, or money service

Dear CFPB I am writing to file a formal complaint regarding an issue I have experienced with CoinList, a cryptocurrency trading and investment platform. 

Background Information : I have been a registered user on CoinList for approximately 5 years, and I accumulated XXXX XXXX  points, which granted me Platinum status and priority access to token sales. This status is achieved by consistent engagement and activity, and only 1-2 % of users out of over XXXX XXXX on the platform achieve this level. I have participated in many token sales and spent $ XXXX monthly to maintain my activity and improve my XXXX  score. 

Issue Description : As part of CoinLists re-verification process for all users, I completed all required steps except the final one : address verification. I initially submitted a document from XXXX confirming my address, but shortly afterward, my account was restricted. 

To resolve this, I opened a support ticket on XX/XX/year>, and provided an updated address document from a different bank, XXXX XXXX. I was informed by the support team that my case would be escalated to a higher team. However, despite multiple follow-ups, I have not received any further response or resolution. 

Impact : As a long-term, active user, I find this situation deeply unfair and detrimental. My account remains restricted, despite my willingness to comply with all verification requirements. Without resolution, I am unable to fully access or manage my account. 

What I Am Seeking : I request the opportunity to complete the address verification step and have my account reinstated. I have provided all required documents and am willing to submit any additional information needed. 

Thank you for your time and assistance in addressing this matter. I am available to provide further details or documentation upon request. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX store card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud, a copy of the police report, and a request for information..This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
Product: Credit reporting or other personal consumer reports

I was a victim of my credit information being exposed in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received an email to advise about the breach in my credit/personal information being exposed. 

Also, I received a total Public Service Loan Forgiveness for Mohela student loans because I have been a public servant ( XXXX  ) in a low-income, Title I School in GA for over 10 years. All loans were forgiven and I have a {$0.00} balance. The forgiveness became effective XX/XX/year>, yet I still have outstanding balances on my credit report too. I think XXXX is the only reporting bureau showing an outstanding balance. Please advise what steps you can take regarding my information being exposed as well as incorrect balance regarding old student loans that have been paid in full, and should reflect a XXXX balance, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I noticed several fees on my Bank of America account that I would like to ask for a refund on. I have been a loyal customer of Bank of America and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! This has been happening for years. We have been customer since XXXX. 

Can I get a refund on the {$200.00} from my transactions below? 


Monthly Maintenance Fee - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt and yet they continue to report to my credit report as collection account. I am a XXXX XXXX XXXX Veteran and have free healthcare due to my XXXX. This company has purchased a debt and is illegally reporting it without even verifying any information. All health insurance claims are to be billed to the XXXX regional VA, where they are covered. I shouldn't have to fight a collection agency over a medical bill when I have full coverage insurance. This is crazy. They don't even report my address correctly. I have never received any validation. You now have stated what the bill was for, by listing personal details which violated my privacy acts as well.
Product: Credit reporting or other personal consumer reports

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Product: Credit reporting

My balance on my car loan with XXXX XXXX is incorrect. He supposed to be {$6600.00} and the amount reported is higher. I want Experian to reported the correct amount due on my car loan so my ratio is not so high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Money transfer, virtual currency, or money service

Paypal is closing a dispute in the merchants favor despite no response from the merchant to Paypal and proof provided by me - from the merchant - that the product wasnt sent and Im promised a refund. Are bots controlling paypals dispute process? Attached is the exchange : Case closed Case ID : XXXX The outcome of the case was not in your favor. 

Case details Dispute Reason Item not as described Case Status Closed Case Resolution Decided in seller 's favour Seller information XXXX XXXX XXXX Transaction amount {$100.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX, NJ XXXX United States Invoice ID XXXX Date reported XX/XX/2020 Your notes I paid for FOUR of ( 2 pack ) XXXX  XXXX, 3lbs Beach Sand for Ages 3 and Up ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
File XXXX Additional info Item issues Missing Parts Refund requested {$27.00} USD Item description https : XXXX Your responses Date added XX/XX/2020 Your notes Reference # : XXXX Response email ( XX/XX/2020 XXXX XXXX  ) Hi XXXX, A great day for you XXXX, I thank you for contacting XXXX  My name is XXXX, for me it will be a great honor to assist with your request. 
Please accept my sincerest apologies, as this is certainly not the level of delivery service we would like to provide to our Customers. 

In order to assist you properly allow me to offer you refund for your missing items 4, allow me to kindly explain you, I can process a refund for 2 items ( 2 x 2 units = 4 items ).

Your refund will go back to the original form of payment method within 5 business days. 
Im very sorry for this inconvenience. Allow me to kindly inform you, I'm not allowed to process a replacement due to these items are out of stock at this moment. 
If you agree with this procedure, please be kind to let me know. 

I will be pending on your kind you response. 

Regards Sincerely, XXXX XXXX XXXX customer care. 
XXXX, XXXX  File Re : [ EXT : Fwd : Some items have shipped : XXXX XXXX, 3lbs Beach ... ] .pdf Your conversation with the seller You I paid for FOUR of ( 2 pack ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
XX/XX/2020 at XXXX XXXX PDT
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had previously informed the Trans Union that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXX under affidavit number XXXX after repeated attempts to delete them via Trans Union in XX/XX/XXXX Trans Union are still reporting it today. 

This will be my last attempt in requesting that Trans Union remove this account from my credit file. Since Trans Union insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and Trans Union have failed to remove it, for this reason I request the assistance of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report
Product: Credit card or prepaid card

Hello, I have Apple card, it is issued by Goldman Sacks.

2 weeks ago, on XXXX os XXXX, Apple put restrictions to my card and did not explain anything. they do not allow any transactions, and I got several subscription services in jeopardy because of non-payment. my credit score is XXXX. 

I chatted with apple card support several times and tried to get any information about what is going on - they ignore me. they only write " we investigate the matter ''. I paid in full before the monthly statement to avoid any hassle and decided to close this account out. 

They never responded what kind of matter they investigate, and worse - they do not allow me to close my account out. 

two days ago XXXX refunded XXXX USD to this card and current balance is negative, technically, they owe me money, but they ignore me anyway. they do not respond to chat, they do not provide a call number for a call and they keep my money. 

I want to get rid of this nonsense card, but they do not allow me to close it, although it is they who owe me money. 

Apple card is a fraud.
Product: Student loan

In XXXX of 2016 I received a letter from a company named Navient stating I have to make a student loan payment to them. On XXXX/XXXX/16 a certified letter was mailed to Navient requesting validation of the allege loan debt. Navient has failed to validate the debt and is in violation of Fair Debt Collection Practices Acts that require a debt collector to validated the debt they are attempting to collect on. Navient is harassing me and conspiring to defraud me by violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Furthermore Navient continues to attempt to collect on an alleged debt without strict proof of its existence falls under Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my XXXX credit report and noticed Navient published a negative remark. This is defamation of character and a violation of Fair Credit Report Act which requires accurate information be reported.