23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file a complaint against my mortgage company, Citizens One. I applied for a forebearance on XX/XX/XXXX and I was told the forebearance would end on XX/XX/XXXX. During this time I requested a loan modification in XX/XX/XXXX and I started making monthly payments towards my mortgage again. I have been making monthly payments for 10 months now and I have called Citizens One monthly to get an update on when my loan modification would be completed. I was not given answer and I was always told it would happen soon. Also, I have requested for a manager to call me so I could report my complaint and to get a definite date of when the loan modification will take place and I never received a call back. Recently, I called Citizens One on XX/XX/XXXX requesting a letter stating that my forebearance has ended and they have not sent me a letter. I have a FHA loan and I am trying to refinance my loan to take advantage of the low rates, but because Citizens One will not modify my loan I am stuck making higher payments. My goal is to get a FHA streamline refinance.
Product: Checking or savings account

Continuation of Complaint XXXX : I counted on the deposit amount which got delayed by 18 days for no reason ( see complaint XXXX ). As a result, I lost {$10000.00} in investment income ( had to liquidate my investments as a result of Citibank action ). Also being a XXXX XXXX I suffered quite a bit going back and forth to Citibank branch in XXXX and got disrespected each time by their staff not to mention gas prices paid in order to get my deposit. Citibank should pay an additional {$10000.00} for aggravating my XXXX Total damages i request from Citibank is {$20000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Vehicle loan or lease

Ive contacted Flagship credit acceptance several times asking them to update my balance on my credit. They say its no way for me to speak to credit department I have to email them so I emailed them and got no response. I put in XXXX disputes with XXXX and they keep coming back saying information is accurate when its not. My car was totaled out and my balance was updated months ago. My balance hasnt been updated since XXXX on my credit report
Product: Mortgage

Reviewing my husband 's credit report and mine, we found heinous amounts of misinformation. Downright lies from banks, mortgage companies and mortgage service providers ... .all reported to XXXX XXXX The lead offender is Bank of America. Due to all these errors we have not been able to refinance XXXX of our homes and have been paying higher mortgage interest and the misinformation has spread to XXXX XXXX and XXXX, not to mention everyone who looks at any of our reports.
Product: Bank account or service

I have recently become a victim of fraud after having lost my wallet on XX/XX/2017 due to multiple unauthorized atm withdrawals that took place on my interest checking account. I have initiated disputes for the 2 unauthorized atm withdrawals through Ally Bank which comes to a total of {$800.00}. I have also submitted a fraud affidavit through the FTC which was attached to my disputes in support of the theft. I have reported my debit cards lost and requested new replacement debit cards. I have been told the investigation will be concluded within 10 days from XX/XX/2017. The loss of my wallet also resulted in theft of my NYS learner permit and social security card which also may take time to replace.
Product: Student loan

I was in school with XXXX University in XXXX XXXX  from XX/XX/XXXX through XXXX of XXXX where I received my XXXX XXXX XXXX degree in XXXX XXXX. 
I ended up with around $ XXXX in Federal debt in student loans, and another $ XXXX in private loans. 

My federal loans were through XXXX, and as of a year ago, those have been forgiven through a Borrowers Defense Claim. 

My Private Loans were with MOHELA, and in XXXX of XXXX, I refinanced with XXXX. 
I had XXXX loans that I was paying with a total every month around {$470.00}, all three with varying interest rates. 

With XXXX it is a little easier on my wallet, with a XXXX XXXX rate and a payment of {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complain against Alliant Credit Union. 

Alliant Credit Union pulled out my credit report without my permission and reported I have a credit card with Alliant Credit Union, Which I am not even a member of a Alliant Credit Union. I applied membership in the past, but I was denied for membership. How come I can have an Alliant Credit Union Credit Card when I am not a member????? 

I have contacted Alliant Credit Union and let 's them know my concern. However, Alliant Credit Union has never get back to me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> a letter was sent to equifax discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI sent two certificates letters XXXX and XXXX To Equifax to validate the accuracy of two accounts informed with negative information reported by XXXX XXXX  # XXXX and XXXX XXXX # XXXX .I gave 30 days since received the letters to complete the investigation Never received a reply to those letters sent in the 30 days terms. OnXX/XX/XXXX I sent another two certificates letters XXXX and XXXX indicating that they had violated federal law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law by not replying in a timely manner to my initial letters. They replies those letters with the argument that they verified the accuracy but with no signed document that proves that those accounts belong to me I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.in two occasions They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible Thank you. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.
Product: Payday loan, title loan, personal loan, or advance loan

I called to find out how I can go about it and get some time to pay the loan. The telephone didnt really know what she was doing. I kept calling no one answered. Then without validate they closed my loan.
Product: Credit card or prepaid card

Same one use my informatin my bank card and send money true money gram {$980.00} on XX/XX/XXXX was posted on my bank account the transaccion is a fraudulent i dont recognize the transaccion my identity was stolen. All my information was stolen name email address and everything. I call money gram they tall me the cant give me any information about the transaccion i also went to my bank institution and the tell me the will help me and open a fraud investigation. I want to report to help police to arrest the people who commit crimes with money fraud abuse.
Product: Student loan

I am writing to inform you of my process and communication with Myfedloan Servicing. Back in XX/XX/2021 and again on XX/XX/2021 I submitted my certification and application for the Public Service Loan Forgiveness. It has now been 6 months! Currently my account shows that I have 144 eligible payments ( in order to be forgive I need 120 ), of those 106 have been processes and are qualifying. I am waiting for 32 of the " Need Employment Certification '' to be completed by them so that I can be forgiven. I have met all of the requirements and now I am just waiting. I understand that this is a very involved process and that thousands of people are going through this task. My frustration is that there seems to be no rhyme or reason to this. I am on a number of social media groups and I have seen over 100 people post that they have received forgiveness and they submitted their paperwork well after mine. XXXX XXXX XXXX XXXX. I have no time to make phone calls during my school day. I have taken off 2 days just to make a phone calls to them, only to be told, " We know nothing, you just need to wait! ". The lack of communication has been unacceptableXXXX XXXX XXXX XXXX XXXX, trust me I am a very patient person. My patients has run out. Thank you for you help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
Collection Management services and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX XXXX COUNTY OF   XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Ct XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
Product: Student loan

I was working with XXXX in 2020. I am unhappy that somehow NelNet ended up with my loans. The problem is that I was being redirected to nelnet.studentaid.com instead of nelnet.studentaid.gov and I am not going to work with XXXX XXXX for any reason whatsoever. I did not consent to XXXX XXXX being involved in any of my finances at all. I want them prosecuted for fraud.
Product: Checking or savings account

My original bank was taken over by First Citizens Bank based in XXXX NC. Since this was the second time my bank was taken over by another bank, I've been submitting my deposits by mail because my local branch was closed. I had several mailed in deposits work as expected. But on XX/XX/XXXX I mailed 6 personal checks and 1 business check to the same address, using the same deposit slips I had used previously, in one envelope. On XX/XX/XXXX I checked and those deposits still were not recorded in my personal or business checking account. I called to find out why and was assured they would show up soon. After I mailed the checks to their branch in XXXX, it was decided they would send them on to XXXX. That caused a delay. On XX/XX/XXXX, they sent a letter saying my 1 business check had been delayed because I used a deposit slip that didn't have their name on it. They ultimately processed it, but that was the cause of the delay. There was no communication about the 6 personal checks that were in the same envelope. I called many times, trying to get this resolved. I also communicated many times with their research department, via their website. I'll attach those conversations for your review. In one of my desperate phone calls a customer service person who refused to give me her name, assured me that if I faxed them the photocopies of the missing checks, they would process them, just as they do mobile deposits. I followed her instructions, followed up with more phone calls, and finally received a letter ( which I'll attach ), telling me this is mine to fix. I need to call each person that issued me the checks ( I don't even know these people and have no phone numbers for them ) and tell them they need to stop payment on those checks and issue new ones. First Citizens Bank have all the information they need to process these checks but refuse to do so. The letter from them was not even signed and didn't include any phone number for me to reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX uwm has violated the TCPA, FCRA and reported false information to the credit bureaus damaging my credit.
Product: Credit reporting or other personal consumer reports

Specifically under 15 USC 1692c. 

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue.

Thank you
Product: Credit reporting or other personal consumer reports

Identity theft XXXX XXXX XX/XX/XXXX ( XXXX ) The CFPB Complaint has been filed to request. 
Pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you the TransUnion credit reporting agency.Block information appearing on my consumer credit report That is the result of identity theft and fraud.

Within 4 business days of you receiving this complaint This fraudulent inaccurate and false information consist of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX. This account have resulted in fraudulent inquiry and fraudulent collection appearing on my consumer fico report. I have attached a copy of f t c identity theft criminal complaint # XXXX As. 
Proof from the US federal trade commission that all of the aforementioned Consumer credit account collection are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Good day I am contacting you to report XXXX XXXXXXXX credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with XXXX XXXXXXXX then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to XXXX disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXX XXXX in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXXXXXX XXXX  opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}