23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

National Credit Systems {$3000.00} Acct # XXXX National Credit Systems {$1600.00} Acct # XXXX XXXX  XXXX XXXX XXXX {$4500.00} Acct # XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I opened a secured credit card with Capital One Bank in XXXX of XXXX and gave them a several deposits totaling {$600.00}. Therefore, my limit was {$600.00}. I closed the account on XX/XX/XXXX and they are only refunding {$450.00}. They say the reason is that they can not locate all of the deposits. They are withholding {$150.00} due me.
Product: Debt collection

Ive sent to HIPAA letters already informing Medical Data Systems That theyve violated my privacy by having information from a medical provider and asked that they delete it immediately from my credit report which they have yet to do but insist on sending me debt collection letters. Its illegal for them to have any information dealing with private medical matters! Theyre also not licensed in the state of Georgia where i reside. This account was added between XX/XX/XXXX-XX/XX/XXXX.
Product: Credit card or prepaid card

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Citi. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership and was ignored. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. I have been contacted by Citi at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. When they were unable to attack my credit any longer, they turned to my daughter 's who was an authorized user and added when she was XXXX years old. I spoke to two Client Specialists who removed her from the credit cards. However, when I asked if they were going to report her as not delinquent to the credit reporting agencies, they told they would investigate. Citi has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX and may not XXXX for another year.
Product: Checking or savings account

I never use my card XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my new prepaid card came doesn't have my money I am so XXXX and mad I want my money back in my account a number that they have on my records on this account that ain't supposed to be on there my new number is XXXX I don't have that number that y'all have our record I don't even know where the XXXX   that came from I want my money and I want it now please
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX ll
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE OR A COPY!! 
please read : There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT ARE NOT MINE!! 
XXXX XXXX XXXX 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 # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy .

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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: Student loan

I am a co-signer on two Student Loans for my daughter with Sallie Mae. The first loan was not a problem, as we signed up for Deferred Payments. I did the same thing on the second loan and they started to charge Interest only on the second loan. I have not been able to have anyone at Sallie Mae provide me with the documentation from both loans to compare where I signed up for the Interest only loan vs the Deferred payments. 

I know I did not sign up for Interest Only loan payments while she is still in school and as a matter of fact, tow months ago, they sent a letter saying they were going to start charging her Interest and Principle on the loan while she is still enrolled in school. I have done some background research on Sallie Mae and now see that have a terrible reputation with student loans, the terms associated with the loan, providing clear information on the repayment terms and giving conflicting details on what the loan terms are and which category they are in. I truly believe this organization 's less than stellar process of verifying information and making things clear has lead to their terrible situation. 

We are not looking for loan forgiveness, but to make it right as far as the payback terms. I want the information to reflect the loan should be Deferred Payments until my daughter finishes college.
Product: Credit card or prepaid card

I filed a credit card billing dispute through Navy Federal Credit Union 's ( NFCU ) billing dispute system on XX/XX/2019. I submitted documents related to the dispute on the same day through secure messaging on their website and also by fax. I received a secure message from NFCU on XX/XX/2019 confirming that they had " received '' and are " reviewing '' the documents. I subsequently received a letter through regular mail from them, asking me to contact them to answer whether or not I attempted to resolve the dispute with the merchant prior to filing the dispute with NFCU. I called NFCU the same day, and I confirmed to the representative I spoke with that I did indeed attempt to resolve the dispute with the merchant prior to filing the claim. She then told me to disregard the mailed letter and to expect a follow-up letter containing the results of my dispute. 
After receiving no such letter, I called NFCU and asked for the dispute results. The representative told me that my billing correction request was denied without offering an explanation. I then asked to speak with a supervisor. After a lengthy hold, I spoke with the supervisor. She denied that NFCU had received the dispute-documents. After explaining to her that I had received written communication that the documents I submitted were properly received, she asked me to send them again. I sent them again by secure messaging through NFCU 's website. She then said that she did not receive them. I sent the documents again, and again she denied receiving them. I sent them another time. This time, she confirmed receipt but immediately claimed that I had no right to recover the payment. She assumed that I was saying I was unhappy with the results of the Mediation, and that is why I want my money back. I said no such thing, nor did I intimate anything like that. I want my money back because the attorney violated the retainer agreement : ( 1 ) She refused to continue work on the Mediation without extra payments from me despite our written and verbal agreement of a {$2000.00} fixed fee for the Mediation. ( 2 ) She refused to file the petition that was offered and accepted during the Mediation unless paid more money.

( 3 ) She ceased work immediately without providing the 10-day notice required by the terms of the retainer agreement/contract. 

I explained this to the NFCU supervisor but I don't think she understood the situation. I told her that I would be sending a formal Fair Credit Billing Act letter. I mailed the letter to the " Billing Inquiries '' address through the United States Postal Service on XX/XX/2019. After more than 30 days had passed without NFCU confirming receipt of the letter, I sent NFCU a secure message through their website on XX/XX/2019. As of XX/XX/2019, they have not replied to my secure message, nor have them confirmed receipt of my Fair Credit Billing Act letter.
Product: Credit reporting or other personal consumer reports

This account was setup fraudelenly. After comtacting progree the original company that supposedly I owe. I was informed this account is from XXXX well beyond the 7 year reporting period either way.
Product: Debt collection

HAD A MEDICAL BILL THAT WAS PUT TO COLLECTIONS AND WAS PAID SHORLY AFTER, ASKED COMPANY TO REMOVE DEBT FROM CREDIT REPORT, THEY TOLD ME THEY CANT DO THAT THEY JUST REPORT ON WHAT IS OWED, MORE THAN 4 MONTHS HAVE PASSED AND DEBT IS STILL SHOWING ON MY CREDIT REPORT AS OWED, COMPANY STILL FAILS TO REPORT THAT DEBT IS PAID. I CONTACTED MY REPORTING COMPANY AND THEY SAID I NEED TO GET THE COMPANY REPORTING THE DEBT TO REPORT THAT IT IS PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have transunion and XXXX been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent XXXX and transunion supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB and Transunion This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX  ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Product: Mortgage

On XX/XX/XXXX we requested information regarding a refi of our home for a lower interest rate. We purchased our home XX/XX/XXXX for {$230000.00}. Financed {$120000.00} at a 5 % rate for 30 years. We submitted a standard form and posted it on the Internet. A gentleman by the name of XXXX XXXX was our primary contact. He assured us that with our credit, financial history and stability that he felt sure Cardinal Financial LLC. could provide this service. We paid {$500.00} that day for an appraisal, which we put on our XXXX XXXX. 
As of this date, XX/XX/XXXX we have had 11 revisions, repetition of information scanned to Cardinal. They continue to require information that does not have bearing and is repetitive. We are as of this date XXXX, XXXX terminating association with Cardinal Financial LLC. Delay of completion of this contract, multiple request for additional information previously supplied, concern regarding use of our private information are all factors. Any information provided to Cardinal Financial LLC May not be used.
Product: Checking or savings account

H.R.4277 - Overdraft Protection Act of 2021 This bill prohibits a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage. 

Each financial institution that offers overdraft coverage for accounts must disclose overdraft coverage fees. It must also disclose that the consumer 's transaction may be declined if there are insufficient funds in the related account, and the consumer will not be charged a fee if such transaction is declined.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within XXXX days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. I would also request you contact the credit bureaus ( XXXX, XXXX, TransUnion, XXXX ) and have the entry deleted from their records as well immediately.
Product: Money transfers

I transferred {$500.00} by Western Union to a relative in XXXX. WU used a conversion rate of {$1.00} USD = {$1.00} XXXX. I thought that might be a little low and when I questioned the XXXX Phone Customer Service representative he indicaated he understood the conversion rates are determined by the prior days rates. When I checked the currency trading charts I found the rate when I actually transferred the money was {$1.00} XXXX. When I reviewed rate history, the last time the exchange rate was in the {$1.00} XXXX range was on XXXX XXXX XXXX when the rate was {$1.00} XXXX, and the highest rate this year was on XX/XX/XXXX and the rate was {$1.00} XXXX. Looks like I lost {$32.00} in the exchange at the lower rate, almost as much as the {$37.00} TRANSFER FEE. Should this have cost {$74.00} total? How are companies allowed to decide what the exchange rates should be?
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries - XXXX XXXX  XXXX XXXX XXXX Us Department Of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, Please keep in mind, I have copies of letters sent and dispute history. Dating back to late XXXX XXXX, That was my first attempt to fix my Consumer report. I got nowhere with that investigation, and no solutions came about. A year later, XXXXXXXX XXXX XXXX  I sent a reinvestigation letter for Experian to look into the disputes made. Again, my issue wasn't resolved as my right as a Consumer under 15 U.S. Code 1681d. 

Between XXXX through XX/XX/XXXX, I have sent letters requestion reinvestigations. again, no results. 
XXXX through XXXX XXXX I have started making copies of all letters sent requesting a reinvestigation of my disputes and each time, I have received an email titled : " Your dispute results are in '', I input the information given by Experian and enter my Personal Information, just to see again that there as been no changes. 
Within these requests, I have asked Experian to investigate the 4 reporting names on my Consumer report since this allows my Personal Information to be subject to Fraud. Again, no changes. I have also request that a current Charge off from XXXX XXXX XXXX, Whom I have attempted to make a complaint on also but XXXXXXXX XXXX XXXX is not in the CFPB Complaint System. The CFPB forwarded my complaint to the Federal Trade Commission and the Consumer Sentinel Network. 
( XXXX ). 

I also made a claim with Experian thought my Business XXXX  Account ( a paid monthly account ) relating to potential Fraud and requesting an investigation since XXXX XXXX XXXX is reaching out to Family members requesting a photo of my I.D . I have been told that my request can not be solved and I was then transferred back to CFPB. 

Now, I am filing a complaint and will be taking legal action. I know my rights as a consumer and feel confident in this motion.