23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - I performed an online balance transfer through Capitol One and the intended company never received the money. Capitol One has done nothing to assist with the matter except to send letters every few months, after we call yet again to try and resolve this matter, to another lender that had no affiliation with the original lender. We've sat on hold for hours trying to get someone to assist and have explained repeatedly that they sent the money to the wrong place. They keep stating that they aren't responsible, and I have tried getting a copy of the initial transaction to see if I made a mistake, but they won't show me my initial online request for the loan transfer stating they can't access any of the online transactions, so I have no means to prove otherwise. The copy of the check they sent was for a different company than the one I had applied for, and the routing on the check is suspicious. They have literally committed fraud to the tune of {$7500.00} and we are paying for a loan that we never received. We even had a lawyer call hoping that we just weren't communicating correctly, but they pretty much told us we would have to serve them to get any information. As a consumer I am horrified that this can happen and there seems to be no recourse. Any help with this matter would be greatly appreciated. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX2016 over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Product: Student loan

On XX/XX/2020 Navient tells me that my loans are not eligible for being halted. They say that since the loan is owned by Navient that it is not eligible for the new federal suspension of payments. 

My loan was originally a Federal Loan when acquired for University of Wisconsin. Then along the way a few years after college was behind me, my loans were sold to Navient. 

Navient now tells me Im not eligible for the federal protection even though my loans are still technically a federal loans, only not eligible because Navient owns them as a third party. 

The worst part of this all is. Im a healthcare worker literally in an ED on the front lines at a hospital in XXXX. I havent gotten a break or weeks off during COVID. Ive been working with patients. Navient has found a loophole to not follow the executive order and they are exploiting me and others. 

I was even a class member of a class action lawsuit against Navient and the outcome was increased oversight. Now Im being told Im not eligible for federal protections. All roads lead to nowhere with Navient. 

Ive been laying this loan for 20 years and still owe {$13000.00}. Please Help
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I paid off my Nationstar mortgage on XX/XX/2019. Since then I have been unable to get my escrow funds refunded. 
Questions that they refuse to answer include : > What amount was applied to principal to pay off my loan? 
> What amount was applied to my final loan interest? 
> How much can I expect to get as a refund? 
> Why was I charged an extra {$35.00}? 
> When can I expect to get my money? 
> Do you intend to pay interest on these funds because you kept them for so long?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear SXXXX XXXX XXXX, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/1959 MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

XXXXAt one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX XXXX, XXXX XXXX, Suntrust Bank is transition to change to Truist Bank, they promised to send my debit card from 21 ago and I never received, just I habilitation my old Suntrust Bank via email enroll to continuos performer to withdraw or deposit, collect my money via the digital transaction in XXXX app, Today Saturday XXXX at XXXX pm, I call to this bank to order a claim my ATM card, just I never received, this representer person order a new card, and he says ok listen right know your ATM card it doesn't work, so do you have open one Truist Bank close to your home, go before to XXXX PM will be closed and take and another card, he says thank you so much and bye. 
Just I go running to this Trust Bank, and I see a big surprise, the bank is closed every Saturday. Please help me. this is not the correct action please protect to all people who have accounts in this new Truist Bank. I don't have the freedom to withdraw or deposit any transaction again.
Product: Mortgage

Our names are XXXX and XXXX XXXX and we tried to do a refi with Amerisave.com at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Their phone is ( XXXX ) XXXX. They made us pay a {$500.00} application fee. We gave them all the information needed. Then when I asked to check for a lower rate, They ignored my calls and emails and emails sent to the customer service. I gave them everything they needed and then they never got back with me for approving the loan. I would like them to refund my {$500.00} application fee. My wife is XXXX and they might not have given us the loan because of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Collection Consultants shows up on my XXXX report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.
Product: Debt collection

I worked as a XXXX XXXX for nearly 40 years. On XX/XX/2016 I was injured in XXXX, Illinois while I was performing my duties, I was treated at XXXX XXXX in XXXX, Illinois, and at XXXX XXXX Hospital in XXXX, Illinois. 
I was placed on XXXX with The Office of Workers Compensation, Department of Labor. I am still covered under Workers Compensation as my injuries are XXXX, I have a XXXX XXXX. I have XXXX XXXX  codes associated with my injury which are supposed to be used correctly for any and all billings. 
I have received numerous requests for payment, and bill collection notices in the past two years. I am now receiving repeated calls from debt collection agencies in Illinois and now Nevada. I am being harassed for payment of medical bills which are covered under The U.S. Department of Labor, Office of Workers Compensation Program. 
XXXX XXXX, XXXX, IL. XXXX has been contacting me for payments of {$210.00}, {$1500.00}, {$1700.00}, and amounts in excess of {$6000.00}. XXXX XXXX and XXXX XXXX XXXX has forwarded a non-payment status to both XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX. Phone XXXX. Grant & Weber , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone XXXX extension XXXX. 
In each and every instance I have informed both XXXX XXXX XXXX XXXX XXXX XXXX, that I am a XXXX XXXX covered under the Department of Labor OWCP, and that OWCP is fully and completely responsible for any and all payment for services of my injury and XXXX XXXX. 
I have faxed documents as such to XXXX XXXX and XXXX XXXX XXXX. I have called and explained to both that I am not responsible for bills owed by the Dept. of Labor, My injury is fully compensated and it is illegal to attempt to collect payment directly from me, the injured XXXX XXXX. I have made numerous attempts along with OWCP to resolve any and all issues regarding any billing, yet I continue to be harassed. I am at the limit of my tolerance, I do not wish to be harassed further!
Product: Debt collection

I have auto loan with Santander Consumer USA, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, they said they send the bill to me on XXXX, but I did not see any notices to let me know the reason why they repoo my car, the last time I see the bill is on XX/XX/XXXX. 
After my car repoo, I call them, and they said I need to paid {$51000.00} and fee for repoo, to get my car back, and they said I only have 1 week to do that, only 1 week to find another the loan. 
But I buy the car, and sign the contract at dealer in Illinois, at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and with the Illinois Law : missed payments and paying the cost of repossession within 21 days not only 1 week That mean they are not correct the law when they repo my car, And I have the loan with Santander Consumer Not with repoo company, under - 15 usc 1692f and 15 usc 6802, the repoo company can not repoo my car with out my agreement, he need to show me his license company, and the information from my loan with Santander Consumer to make sure all information correct, Remember I did not own any thing form repo company, no reason they can repoo my car. 
I need the company send me all the information about the guy repoo my car right now, Under The Fair Debt Collection Practices Act ( FDCPA ). prohibits debt collectors law I believe they are not do right and not follow the law when they repoo my car, they first thing is I have 21 day not only 1 week, the second is I need all the information about the company to repo my car, that not unfair to me when they do that, I need to complaint.
Product: Mortgage

My spouse is a member of the United States XXXX and I am a nurse. Our family was affected by XXXX and I had to reduce my hours/take time off work because of XXXX related circumstances. We were unfortunately unable to make payments on our mortgage. When we first contacted our mortgage company about what we could do, we were never told or made aware that they could change/modify our loan towards the end of this. We had a fixed interest rate for XXXX years at 2.25 % and now they want to increase/modify it to 6.75 % and or pay the outstanding balance. I feel like this is an unfair situation and I understand the mortgage company trying to reclaim the debt, but when we first spoke to rocket mortgage the consensus was that the interest would stay the same and the amount owed would be put towards/added towards the end of the mortgage. Because what was the point of the Cares act then? People are currently not purchasing homes because of the high interest rate and rocket mortgage now wants to put us into another unfair situation by modifying our loan at the current market when our interest rate was fixed. I think its absurd and borderline a scam that they're doing this to thousands of families. They're basically saying pay the balance off right away or we modify your loan to absurd rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report is showing an inquiry that does not belong to me. I am requesting that it is deleted immediately as it is adversely effecting my score. According to FCRA law XXXX should not report inaccurate information. I am requesting that they delete XXXX inquiry immediately. 

XXXX is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately. 


TransUnion is reporting inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX  XXXX. I am requesting that these inquiries be removed immediately.
Product: Debt collection

Attorneys PRESSLER, FELT & WARSHAW LLP, AKA XXXX XXXX XXXX Willingly and knowingly violated several NJ laws, statutes and a number of fair credit ethical business practices by suing XXXX  of NJ residents in XXXX  Court of NJ, obtaining default judgments to seize Bank accounts, EXEMPT FUNDS SUCH AS XXXX, social security etc. On " debts '' far outside of the statute of limitations NJ set for 6 years. Poor AND ILLEGAL business practice, stealing money from persons on FIXED INCOMES, claiming they acquired such debt LEGALLY?!?!?! ABSOLUTELY NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to Transunion with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX  on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, and TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately 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 XXXXXXXX XXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, TransUnion, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024 I SENT A REQUEST TO ALL THREE BUREAUS ( XXXX, EQUIFAX, XXXX ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.
Product: Debt collection

Credit Collection Services has been reporting a very old account on my credit report. It is old. It was paid to XXXX and should be taken off of my credit report. I do not owe any money and there is no reason why it should be reported. I don't understand the benefit CCS is getting from it being on there. Don't companies have to pay to report it? This just feels like harassment at this point. It needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently pulled my Transunion credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Transunion. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with Transunion and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The following accounts have been removed by XXXX   and I am asking Transunion to remove : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX Acct # XXXX XXXX/XXXX XXXX Acct # XXXX Thanks for your cooperation, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for assistance with an incorrect account on my credit report. This has hurt my reputation as a customer, and I ask for your help in removing these negatively and falsely reported accounts.
Product: Checking or savings account

Do to fraudulent activity with my identity Im not able to open no bank accounts
Product: Money transfer, virtual currency, or money service

I an writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.