23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a federally backed convention mortgage. XXXX XXXX holds the note. 

On XX/XX/2020 I wrote to RoundPoint Mortgage Servicing to request mortgage forbearance under the CARES Act ( HR 748 ). I certified that my wife and I " are experiencing a financial hardship caused by the COVID-19 emergency. '' I then specifically requested that RoundPoint put our loan on forbearance for 180 days, and that the deferred payments NOT be made due in lump sum at the end of the forbearance period. See CFPB ( https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/ ) In response, RoundPoint sent an  email on XX/XX/2020. The response indicated that RoundPoint would not honor my request under the CARES Act. In fact, the email required me to take additional steps of going to the RoundPoint website ( the URL of which, interestingly, was not included in the email ) to " request a temporary COVID-19 Forbearance Plan. '' Although I do not believe that email to be a valid response under the CARES Act, I honored the request and filled out the forms on the website. At the end of the form, Roundpoint offered to put the loan in forbearance for 90 days, with the forbearance payments due in a lump sum.

That option is not what we are entitled to under the law. It appears RoundPoint is trying to divert borrowers into the less favorable terms of its own forbearance program. I do not accept that " solution. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I paid XXXX XXXX {$75.00} application fee after touring property at XXXX XXXX. She was aware of my credit acoreand said that as long as I didn't have evictions or landlord judgements, and lroofof income, I was first and a good candidate for rental. That evening she said I had an eviction. XXXX she sent a report from her vendor, XXXX XXXX incorrectly showing an open eviction case. It's public record so I showed that the case was dismissed. At which time she pivots and says my credit score is too low. Transunion shows a lower score than another bureau. I asked her for her vendor contact information so I could correct any misinformation and she has since ignored me.
Product: Credit reporting or other personal consumer reports

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was offered a promotional pricing of no interest for XXXX months. Somehow the company that I had my XXXX at refunded my original amount and then charged me again this time not including the promotional financing option. I have been getting charged interest from the moment I the balance was put on the card. I contacted CareCredit and they told me there is nothing they can do. Thats crazy because the card is issued by them they should be able to reverse all the interest charges Ive incurred and stop any further interest charges until after the promotional period ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding my student loans with Navient. There has been a National pause on all federal student loans which included my student loans with Navient since the beginning of the Pandemic outrage. On XX/XX/XXXX I received a notification from my XXXX credit monitoring service that Navient reported a XXXX XXXX XXXX ) late payment to my credit report that devoured my credit rating! This is UNACCEPTABLE as I have held a perfect payment history with all my creditors! I immediately called Navient on XX/XX/XXXX and XX/XX/XXXX to ask how this happened and why Navient had not made me aware that I was past due or that my loan was no longer on pause!? I was told on both occasions that they had been trying to call me and supposedly emailed me regarding my past due balance. I NEVER received any phone calls or emails from Navient regarding a past due amount and I had no knowledge of a payment due since the payments have been on pause since the Covid Pandemic! They reported a XXXX  day late payment without even reporting a XX/XX/XXXX day late payment ( see attached ) and that is a violation on the FCRA! If Navient says they called and emailed me regarding a past due amount I demand to see all call records and emails showing this. I verified my email and phone number with the representatives I spoke with on XX/XX/XXXX and XX/XX/XXXX. I brought the account current and made a payment arrangement for my loan with Navient. I've had every intention of paying off my student loans!
Product: Credit reporting

On my addresses listed there is an address from XXXX Texas. I have never lived there, which may be someone using my credit for all these inquiry 's
Product: Credit card or prepaid card

Dear Sir/Madam, I receive many credit card offers and other junk mail from Citizens Bank at my home address, but I have no banking or other business relationship with Citizens Bank . All of this mail is addressed to the prior owner of my home from 10 years ago. I contacted Citizens Bank several times to get them to discontinue these credit card offers and other junk mail, but they have refused to do so. The volume of mail sent to my home is harassment at this point. The mail is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Can you please assist me with having my home address permanently removed from the Citizens Bank mailing list for credit card offers and junk mail? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit card

XXXX XXXX Services is holding a cardholder responsible for payment of charges in the amount of {$XXXX} plus unwarranted late fees and interest issued for merchandise which was stolen from the package prior to delivery of said merchandise. XXXX delivered an empty box which had its contents removed prior to delivery and the package re-sealed, and when contacted to file a claim, XXXX indicated that because it was a BestBuy purchase, claims must go through BestBuy, and the cardholder should contact BestBuy Cardmember services. A more detailed account is included as a XXXX in this complaint, which includes all amounts, descriptions, involved parties, dates, and photos. A copy of this report will also be sent to the attorney general 's office in the state in which the cardholder resides. 

After filing a police report with the local police department, attempting to file claims with both XXXX  ( the delivery carrier ) and BestBuy ( the merchant ), and attempting to file a dispute with CitiBank, the charges have not been removed from the account, no party is willing to accept responsibility, and CitiBank is continuing to wrongfully hold the cardholder responsible for the charges, resulting in a decrease of XXXX points on the cardholder 's XXXX  score since the incident, which continues to decrease with each passing month without a resolution, and contributed to the rejection of a pre-approved credit application. 

The cardholder has made multiple attempts with CitiBank/BestBuy Cardmember Services , BestBuy ( merchant ), and XXXX XXXXo reach a resolution, and because no party is willing to accept responsibility, the cardholder is being wrongfully held responsible for the charges.
Product: Payday loan, title loan, or personal loan

I was offered this loan in the amount of {$5900.00} on XX/XX/2023. I submitted documentation and was told I was approved on XX/XX/2023. 

The initial approval on XX/XX/XXXX was based on a soft pull of my credit, with no inquiry on my report. The final approval made it seem like the loan was approved, with the hard credit pull already taking place. 

The instructions from the company were to log in and sign the loan agreement to finalize the loan. It was not made clear that there would still be another credit check, which they did without clear explanation - leaving me with an unnecessary inquiry on my credit report. 

These are deceptive and confusing practices, if I had know there would be another credit check I would have declined the offer. You can not use the term 'approved ' when there's still another credit check, that should be reserved for when a loan is actually approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a XXXX XXXX of paying it off, they stopped taking my payments from my account. I attempted to contact them XXXX times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received XXXX  complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX  has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using XXXX of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXXXXXX XXXX is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed XXXX  disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past XXXX XXXX but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.
Product: Credit reporting or other personal consumer reports

Because of their sloppy programming, Experian has allowed multiple hackers to freely access very personal information. In order to freeze my account or other necessary actions to protect myself and my credit reports, I have two choices : Try to accomplish my various, extremely limited, options off the free program or :2, pay to have the company fulfil their moral obligations and allow me to access my personal information 24/7. There is no reasonable scenario where a company that steals my information can then force me to pay exorbitant fees just for the " right '' to view and alter my personal information. It's obscene for a company like Experian to allow themselves to be hacked over and over. I can not accomplish what I need to do because Experian hides it all behind paywalls. 

It took me over a month just to create a username and password. Their poorly designed website continuously told me that Experian could not accept either way to even get in and then, when it looks like I succeeded, using this same username and PWs, it claimed that none of that exists on their servers. Today, I was able to access a small amount of free options, but there is a paywall to gain access to everything else. I should not be required to pay Experian when I doubt very seriously that they will not be hacked again and again. 

I hereby request some action from CFCB or other US Departments that forces every credit reporting company to ALWAYS make my account free and no benefits lost as I avail myself of the only moral response which, as stated, ALL information be accessible free and without any limitation. Considering the massive hacks that this company allows, I need full disclosure of all of my account and the rights and benefits thus entailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$3000.00} XXXX  XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Somehow there are six wire transfers from my XXXX XXXX account to coinbase and from coinbase to other XXXX XXXX, the first transaction happened on XX/XX/XXXX until XX/XX/XXXX the total amount of the transfer is XXXX and I lost most of my savings in it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX account ending in XXXX on several occasions with XXXX, XXXX, and Experian. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, XXXX, and Experian are not in compliance with the FCRA and are still reporting XXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit report from AMEX with account number XXXX. I do not recognize this account. It was fraudulently opened due to identity theft. I promptly disputed this account with the credit bureaus, emphasizing the serious nature of my claim. 
Despite my dispute, the account remains on my credit report. The credit bureaus responded, indicating that the furnisher, AMEX, confirmed its accuracy. I sent a second letter ON XX/XX/23, for reinvestigation & validation. The credit bureaus response on XX/XX/23, indicated that the furnisher confirmed its accuracy. AMEX response dated XX/XX/23, stated their inability to provide the original application bearing my signature, which is a crucial piece of evidence in verifying the account 's legitimacy. 
Given the gravity of my claim and the lack of concrete evidence from American Express, I believe there are substantial grounds for the removal of this account from my credit report. However, the credit bureaus have not adequately addressed my concerns, even though the period for reinvestigation has passed. 
This situation has caused significant distress, exacerbating my existing mental health challenges, and jeopardizing my financial future. I have been proactive in addressing this issue, but the responses from both the credit bureaus and American Express have been insufficient and unsatisfactory. 
I am seeking the CFPB 's assistance in resolving this matter, ensuring the removal of the fraudulent account from my credit report, and holding the responsible parties accountable.
Product: Credit card

This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. 
I think it 's a part of fraud from long ago. 
However XXXX reports it as mine & it 's incorrect. 
Can you help me? 
XXXX XXXX XXXX
Product: Student loan

On XXXX XXXX XXXX I sent Navient a payment for {$28.00} to satisfy the final amount owed on my student loans. On XXXX XXXX XXXX Navient cashed my check for {$28.00} according to my records on my XXXX XXXX XXXX account. Navient has yet to apply the payment to my account. I contacted Navient on Wednesday XXXX via telephone and spoke to a customer service representative about the issue. The representative told me to fax in a description of the issue and any documentation I had. I sent this info on Wednesday XXXX XXXX to XXXX at XXXX XXXX ( with a successful transmission confirmation ) and have yet to hear a response even though the customer service representative told me I would receive a response in XXXX hours. On Tuesday XXXX XXXX I followed up with Navient by sending a XXXX and direct message to their XXXX account and emailing XXXXXXXXXXXX. The XXXX representative responded to my message by saying they would review and get back to me in XXXX hours. I have yet to receive any further response and not acknowledgement of my email or issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report must have accurate information & my privacy must be used in accordance with the law 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 Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX XXXX Original creditor 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 or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : XXXX. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across TransUnion, XXXX, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
XXXX. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported XXXX late payment contradicts this accurate record. 
XXXX. Inconsistent Reporting : XXXX and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
XXXX. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
XXXX. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I, Consumer and Man attempted to do commerce with Synchrony Bank, as a total of three application for credits and notes were submitted by me, XXXX XXXX XXXX but was illegally denied. After a thorough investigation I have found that a severe violation of restraint of trade has occurred. This is also a severe violation of 15 U.S. Code 1691 - Scope of prohibition I submitted a total of three application of notes per 12 U.S. Code 412 but was denied. This is a severe violation of my rights and also a violation of discriminatory capacity.

Unfortunately, at the time of denial I was in a crisis of financial unstableness as this was in the most horrible time of the pandemic. I needed furniture as I had none in my home at the time and actually vitally needed the credits applied for at that time. It was for a simple love seat and couch, a consumer home purchase. 

This has been a severely harmful violation upon my rights and caused mental anguish as the severity of time was a dire timeframe and a vital time for consumers in need consumer home purchases.