23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was talking with Wells Fargo in 2011 because I got laid off and my payment were behind trying to get help with my loan so they would not foreclose. I kept in touch with them about my loan and payments. I was trying to see if I could get a loan modification and they told me I could but the next thing I know my house was being foreclosed on and I get a call about loan modification but turns out it was not a modification and they ended up taking my house plus by that time I had a job and couldve made my payments and caught up but for what they did it was to late and took my house
Product: Credit reporting or other personal consumer reports

The XXXX XXXX has XXXX my federal student loans with MOHELA in XXXX, effective XX/XX/2023. I received confirmation in a letter from MOHELA, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, XXXX and XXXX which are being investigated at present.
Product: Debt collection

I have not supported proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exits.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA report to my credit report that I was late on account XX/XX/XXXX. I had did a XXXX complaint on this company! They only fix XXXX reporting. Today I noticed this company havent reporting my information correctly or posted my payment correct. 

I made a double payment on account for XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called in XX/XX/XXXX, for A deferred payment! Due to a injury and a loss of a family member 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I sent my letter off. I told the credit bureaus to " Names, Addresses, Phone Number and Former employers '' on my credit report. I have listed below. Also I have attached the letter I sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : XXXX XXXXXXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX [ XXXX ] XXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX ] As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.
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 items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call XXXX XXXX after i received there letter from the debt collection agency they send my account to on XX/XX/, after this account was paid i have my bank statement showing this and the person i call said they would get this corrected but they put it on my credit report anyway, i also paid wayfair all of there money and called them and they told me that they sold my account to citi bank and citi bank told me that my account was over due, i paid this account out before the 6 month on interest, i paid them two to three months in advance as they stated as the terms of the agreement, i am requesting copies of the paperwork they have showing i owe them, and i want all of them removed from my reports, this is destroying my credit worthiness and my good character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan, an apartment, a mobile phone account, a credit card account, and a theme park account from XXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXX XXXX  with a balance XXXX XXXX XXXX XXXX with a balance of XXXX, XXXX XXXX XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts or collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove NCB Management Services from collections in all three credit bureaus as they have no validated proof of my signature on any documents and they will not remove.
Product: Credit card

Citibank charged my minimum payment twice on XXXX of my credit cards for {$52.00} and {$84.00}. My credit cards ending in XXXX and XXXX respectively. I need a refund of the amounts charged to my original debit account.
Product: Credit card or prepaid card

American Express XXXX XXXX I have asked for help with this account multiple times. 

I AM NOT GOING TO CALL ON THE PHONE BECAUSE IT DIGRESSES INTO A YELLING MATCH. NO MORE PHONE CALLS. YOU ARE NOT PERMITTED CONTACT ME BY PHONE AGAIN. EVER! 

You actually did help for one whole month. Gosh how nice of you. 

You have refused to give me a break and an opportunity to pick up payments, my social security was delayed while changing banks. I told you this in a previous message. Again you chose to ignore me. 

I wonder if you are up on current events. Have you noticed that according to the medical community we are in the midst of a PANDEMIC of COVID-19. 

I'm just curious because you apparently have ignored that fact and the overall public reaction to the Pandemic is quite severe. The result is that my income has dropped drastically. Thus I am having trouble making payments just as I had told you in prior messages. You would find it much easier to communicate with me if you used email. Novel concept but required at this point. 

Im just curious since when I asked for help for a couple of months you acted like I was nuts and your response was to lie to me and then charge me more interest and penalties. As much as you possibly could actually. I assume it is the max you can charge because you have chosen that route ever single time. 

You me a message stating that you had received a cease and desist request via CFBP. 
In spite of that I continues to get calls from blocked numbers. 

I said I would pay you but you seem to think that is not an option, that you want it all now. And a minimum payment of over {$1000.00} is completely insane. 

Your response to a cease and desist request resulted in you turning over the file to XXXX XXXX Attorney. So now instead of you harassing me directly I get harassed by him. Countless phone calls from unknown people. 

Do you think that demanding payment in full immediately magically makes my income increase during a pandemic which is the cause of my economic situation in the first place? Im curious because that seems to be your position. You are rude beyond description and obviously not interested in helping anyone but yourselves. 

What you have managed to do is create a large amount of anger. Congratulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

North American Recovery and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
Product: Student loan

At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES.
Product: Debt collection

I have spoken with the collectors who have called me with this collection in the past on more than one occasion to inform them of some hardships as to why I fell behind on those credit card payments. Multiple representatives from Citibank call me constantly even after hours into the night in a harassing manner about this mentioned account. I have disputed this for months on obtaining accurate information to be noted to report on my credit file ( XXXX and XX/XX/year> ) and the company did not rectify that either. The third-party XXXX is now suing me for the Home Depot ( Citibank ) debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CEPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX for a balance of {$290.00} opened XX/XX/XXXX XXXX XXXX XXXX for a balance of {$370.00} opened XX/XX/XXXX XXXX XXXX for a balance of {$1100.00} opened XX/XX/XXXX
Product: Checking or savings account

A XXXX XXXX XXXX charge was not authorized in the amount of XXXX dollars that was a deposit. Capital One charged my account for XXXX dollars and every time I call in to dispute the transaction hold/deposit charge they never return the money and they dont take the charge seriously. They also have bounced money transfers within the credit card and auto loan payments I have tried to make always on time.
Product: Checking or savings account

Chime allowed an account to be fraudulently opened in my name. I received a cash account card in the mail welcoming me to Chime, when I had never even heard of Chime before. Their security procedures are extremely risky and should be investigated for being an open avenue for fraud in the United States. The customer service team refuses to help because I do not have the email address that was used to open the account. This shouldn't be surprising as the fraudster did not use my own email. Without any physical locations, they leave no options to close the fraud account other than emailing even more personal information to an institution I do not trust nor want storing my personally identifying information. This contrasts to financial institutions that will resolve the matter in person or without requesting your social, passport, or driver 's license. 

Chime .... you MUST close fraudulent accounts using more advanced methods to identify fraud.
Product: Mortgage

Called and spoke to XXXX and was told my fee could not be waived to make an additional payment to my esscrow account. I got an escrow shortage after I made my XXXX payment and I do not understand how a company can not void an {$11.00} fee as a courtesy for a faithful customer. I am not trying to make an {$800.00} payment I am only trying to make the {$280.00} for my escrow shortage. I do not have a USBank near me and I do not feel mailing in my payment is secure. I do not like seeing any type of shortages on my accounts which is why I was tryng to clear it out early so next month i can pay the {$790.00} its supposed to drop to. Do I really have to wait till I make my next mortgage payment to the escrow shortage or can I make it online now? It 's pretty sad, I have been waiting to refinance my mortgage to because I am waiting for a good offer to come in from USBank. But If they ca n't do a simple request like this, which I do not do because I prefer online banking what am I holding for? I also was told I do not qualify to have my MIP removed because if the type of mortage I have, is that correct? Is my only way to remove it is by refinancing o a different kind of loan?
Product: Debt collection

this has been paid and settled and the original debtor agreed to have it removed but the collection agency wo n't remove it gragil is supposed to remove it but have n't yet
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I mailed a letter to XXXX and Equifax regarding the inaccuracies on my credit report but they haven't updated my report
Product: Mortgage

Selene Financial. 
I sold my home back in XXXX odf XXXX. I am getting the run around trying to collect my escrow deposit. {$24000.00} They said they mailed it on XX/XX/XXXX but I never received it. Today is XX/XX/XXXX They also said they stopped payment on the list check and we're going to wire the funds. They said they wired the money but I still have nothing. They keep hanging up on me. I need help!!!