23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am an American citizen and I am very angry and disappointed at Sallie Mae. Covid19 have destroyed our life, our family lost all of our life savings and our family home. I decided to go back to college, I applied for a loan from Sallie Mae, at first I was denied because my credit was not up to date due to wife and I loosing our Job due to Covid19. Sallie Mae had requested a co-signer. The first co-signer, her credit was not excellent and Sallie Mae denied the loan. So I added another co-signer according to her credit report she has excellent credit and She is in possession of multiple real estate properties. To my surprise Sallie Mae intentionally willfully maliciously denied my loan. I have learned from my investigation, my sister who is a FBI agent and I don't mind providing you the badge number advised me that from her perspective as an agent, that Sallie Mae are profiling my application. She described it as if Sallie Mae has a policy of selective applicant denial. Based on confidential applicant nation of origin, there was confidential information has been placed in my social security file about my adoption name change. I was not born with name XXXX XXXX but my name was changed to match my adopted parents. I am advised by the FBI that the justice department civil rights division should look into Sallie Mae 's discrimination against me. I'm asking whoever agency responsible to get involved and prosecute Sallie Mae.
Product: Mortgage

I have several rental properties and my home residence. Through covid 1p9 I received 1 stimulus check and nothing else. No SBA, no payroll supplement, or anything else. I think at tax time they gave me another like XXXX credit on my taxes. I say this to say even though there was a stay order for landlord to protect renters from being evicted and thus far roughly 10 % of my tenants have received emergency rental assistance covering 18 months when the shutdown was close to 24 months. Maybe more here in XXXX XXXX. The Lahaf approved me for XXXX. On my home where it's XXXX. Behind. This according to fees late charges etc. Then because the mortgage company did not write someone stating they were going to work with me in time the worker XXXX XXXX  withdrew my application. 5he email slaying it was withdrawn says when ready contact the LAH. The mortgage company then denied my forbearance application because it was now incomplete. Since the XXXX counselor said incomplete application they did too. The Gregory financial agent stated during a call, oh I see you have contacted the housing counselor. During this time another mortgage.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX Balance : {$700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo is in a transitional period transferring from visa credit cards to XXXX credit cards. A bill pay payment that was made through my Wells Fargo checking account dated on XX/XX/XXXX for {$2500.00} was sent to Wells Fargo visa. I noticed that my credit card did not reflect this payment and cold Wells Fargo on XX/XX/XXXX and reported problem. The next day I stopped at a branch in XXXX FL Florida and followed up to make sure they were working on applying the payment. This situation is not disputed from Wells Fargo, but they seem to be unable to apply the payment to the transitioned visa card that is now a XXXX. As of today XX/XX/XXXX, I still am not showing any payment. As I've reiterated to them, I consider this payment either lost or stolen if it does not show up on my account. Have spoken to a dozen different people from all levels of management and all they ever say is we have made the request to get the payment applied. I have already been charged late fees and financial charges that Wells Fargo has committed that they will remove any financial charge associated with this problem. With the amount of time that has gone by I request an investigation into the problems with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 there was a fraudulent inquiry made on my transunion credit report made by ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with transunion but they asked me to reach out to the merchant. i can't get through.
Product: Debt collection

I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from NCA last week stating that they are feign to collect a debt that was sold to them from XXXX XXXX in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to XXXXXXXX XXXX and NCA. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



( XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

the loan started off with XXXX. XXXX told me I could save XXXX $ a month from my {$1900.00}. so my payment would have been {$1300.00}. 
Thats what XXXX told me my payment would be if I refinanced. Then they fired him and they handed over my account to an associate named XXXX. I told this new associate I did not want an escrow account. She told me I would get {$3500.00} dollars back when closed on this deal., And I found a paper stateing the payments to be {$1900.00} and I told them the escrow wasnt supposed to be included, and they made the payment out to be wrong. So I told them escrow was n't supposed to be included and they knew the payment supposed to be the {$1300.00}, so I made XXXX payments this amount and then they said they would n't accept it unless I paid {$1900.00}. I would have never went for the loan unless the payment was going to be lower. I tried to contact the loan company to tell them the deal was off because the loan now was going to be more expensive then it ever was going to be. 
I never signed escrow account to be in effect and they said they were n't going to accept {$1300.00}. I feel I was scammed into this loan.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning bankruptcy associated with my accounts. Upon meticulous review of my report, I have identified instances where bankruptcy have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of bankruptcy. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. EQUIFAX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with Equifax responded that an investigation with the furnisher has been initiated and I should wait for their response EQUIFAX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action EQUIFAX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( XXXX ) ( i ) ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. XXXX HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX BANK and etc.
Product: Money transfers

I was recently scammed. I sent a wire transfer to a person named XXXX XXXX, delivered to XXXX on Monday XXXX XXXX, 2015 at XXXX. The transaction took place at XXXX in XXXX Ky, and the MTCN tracking number was XXXX. Someone was supposed to be meeting me with a package with a stamp to win a prize. I realize now how foolish this was. I have called Western Union automated line and the funds have already been dispersed. Do I have any recourse? I have reported this fraud to my financial institution XXXX XXXX XXXX XXXX in XXXX, Ky.
Product: Checking or savings account

I am filing a complaint with a CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits Capital One has sited technical issues which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds this situation raise his concerns about consumer protection laws, and I request your assistance in investigating this matter ensuring my rights are upheld. Thank you.
Product: Debt collection

I switched cell phone companies from XXXX to XXXX and they told me that if I switch they would pay off what ever I owe to XXXX. I'm not sure if this agreement was fulfilled by XXXX. I have not received any notifications from XXXX stating that this wasn't paid and they didn't tell me that this was going against my credit. Now I have a derogatory mark on my credit XXXX   {$640.00} profile because of this problem. My XXXX report is showing no Derogatory Marks.
Product: Mortgage

On XXXX XXXX, XXXX I received a response from my mortgage servicer, Shellpoint Mortgage Servicing, thru the CFPB web portal, to my CFPB complaint, Case No. XXXX, filed XXXX XXXX, XXXX. Shellpoint was again, non responsive to specific items of the complaint in my XXXX XXXX, XXXX filling, gave intentional, verifiable, false information and deliberate false quotes attributed to me, the borrower. In addition Shellpoint deviously set an illegal consumer trap with a document entitled " Streamlined Modification Letter '' in order to fast track " A recording of a Notice of Sale '' on my home. Please find enclosed here with a letter along with supporting documentation sent to Shellpoint XXXX XXXX, XXXX detailing & evidencing the validity of these allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called capital one and we came to a resolution ; however, it is still showing on my credit report with late payments. I called in XXXX and theyve agreed to correct the payment status for XXXX through XXXX of XXXX and a month of XXXX.
Product: Checking or savings account

My identity was stolen abd used to open checking account now Im on Chexsystem
Product: Debt collection

I received 2 letters from Bank of the West dated XX/XX/XXXX. One I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with Bank of the West. I had missed the 10 day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, WY. Because I did not respond within the 10 days of the date of the letter, the Recovery Department of Bank of the West ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) turned my account over to debt collector XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, WY XXXX. XXXX ) I am currently disputing this issue with XXXX XXXX. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to Bank of West. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost 4 days just getting it to XXXX. I live in Georgia. In the meantime, I was sending emails to BOW customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to 3 members of the XXXX XXXX XXXX times. One agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with XXXX XXXX and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately for they are greatly harming my credit : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I operate a small XXXX XXXX out of the XXXX XXXX. My XXXX was effected by the Covid shutdown. I have credit cards with XXXX XXXX, XXXX, XXXX, and Citibank. The Citi cards are what I want to discuss. The Citi bank cards I have are all in good standing except one. My bestbuy card through the CitiBank retail group. 

I contacted their support on XX/XX/XXXX to find out what my options were. 
They advised me their was nothing currently but they were aware they were going to do something for us card members. I have been a bestbuy credit card holder since XXXX, when it was with XXXX XXXX XXXX.. It's since changed hands to XXXX XXXX and now Citi with a good standing account. I was told all they could do was to take my autopay off my account and that she would have a manger reach out to me to discuss options when the company had something. I received a call around the end of XXXX/beginning of XXXX and was told they still haven't gotten something but they were about to, and they would call me back at that time. I have not received anything from them since. I was on the road volunteering since the beginning of XXXX with Covid relief. When I called today ( XX/XX/XXXX ) I was told that they had put a C & D on my account and now there is nothing they can do in regards to taking my late records off of the credit bureau ( 85 days late as of today ). That I had been sent a letter in writing in regards to the C & D for which I did not request. They should be requesting that be signed and mailed back before something like this is put on! This has been so drastic on my credit report it caused my SBA loan for getting a pandemic disaster relief loan to help with this crisis. If they had done what their counterparts in the normal CitiBank had done, I would have gotten my SBA loan and would have been able to make my payment to them this month without a problem. They have the WORST customer service I have EVER SEEN! I would be current if they had done what was fair, just, and in compliance with what they offered people in my position. I am sorry I relied on their support to call me back, like they said they would. Looking at my payment history for over 10 years should show I want to pay the account bills! 

If you live in a state with 1 party call recording, get a call recording app and record these calls. You can't rely on their people making reliable notes!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXUntitled { Consumer disputes this account information Medical Subject has not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXXXXXXX**** -CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my XXXX  card on time. 

However, I noticed that my statement had 1 ) the wrong home address, as I had moved XXXX miles away 2 ) the wrong balance 3 ) and the wrong authorized payment I have repeatedly called XXXX about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called racial slurs, and told that I'm a XXXX and a XXXX by a receptionist at XXXX ( I'm a XXXX  XXXX man, but that didn't seem to protect me from discrimination ). I've also been told to go back to my country, even though I was born and raised in America. I've had XXXX employees make fun of my name, and told " my dead grandma is irrelevant to XXXX 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within XXXX about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since XXXX fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called XXXX XXXX yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

XXXX has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and sexual orientation, and has refused to do report accurate information to the credit agencies. XXXX XXXX  needs to be held responsible I have included the XXXX statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my grandmother 's funeral. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX
Product: Debt collection

I received phone calls from National Credit Systems regarding a sole debt from XXXX XXXX apartments over 7 times within a 7 day period, in addition I received XXXX phone calls after I spoke with them regarding the debt and asked for validation. The phone calls were received on Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call - XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Incoming call - XXXX cst Missed call - XX/XX/XXXX at XXXX cst, Missed call - XX/XX/XXXX at XXXX XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX XXXX  cst
Product: Debt collection

I have a company attempting to collect a debt they say was assigned to them. The company is not licensed to collect in my state. I never signed any documents allowing assignment of debt. I never signed any documents acknowledging right for them to charge interest on the debt. They failed to provide validation of debt, including license to act as collector, charge interest, or proof of assignment of debt.