23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As an XXXX XXXX XXXX in the XXXX XXXX, I obtained a VA loan through Carrington Mortgage. During thXXXX XXXX XXXX  I sought XXXX financial forebearance relief from Carrington Mortgage . I was under the impression that I received a forebearance but have now been told that I still had to make payments during the forebearance period. This was not told to me when I sought assistance from Carrington Mortgage. I have been deceived numerous times, and reported negatively to the XXXX major credit companies. Carrington customer service refuses to accept payments that Ive attempted to make, locked me out of the online payment system, and are now stating they intend to foreclose as they want all payments to be made and will not accept a payment less than the total amount due during the relief period. They have also added penalties and late fees and will not allow me to make ongoing mortgage payments. 

During XXXX  I underwent XXXX XXXX XXXX and almost died from XXXX XXXX. My wife and I also lost a mother and aunt during XXXX and my childhood home caught on fire and killed my brother. 

I have since been deemed 100 % XXXX and am at risk of losing my home due Carringtons deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1681 ( a ) ( 1 ) CONGRESS MAKES IT CLEAR THAT THE BANKING SYSTEM IS DEPENDENT UPON MY CONSUMER REPORTS BEING FAIR AND ACCURATE TO ME. MY CONSUMER REPORTS ARE IN FACT NOT ACCURATE OR FAIR. XXXX, XXXX AND EQUIFAX HAS PRACTICED ILLEGAL AND UNFAIR REPORTING METHODS BY TAKING INFORMATION FROM ALLEGED CREDITORS AND DEBT COLLECTORS PROCEEDED TO REPORT THIS INACCURATE INFORMATION WITHOUT MY CONSENT OR CONSULTING WITH ME TO CONFIRM OR VARIFY IF THE INFORMATION WAS ACCURATE OR NOT. IF YOU DO NOT DELETE THESE NEGATIVE, UNAUTHORIZED, ILLEGAL TRADELINES FROM MY CREDIT REPORT IMMEDIATELY I WILL NO LONGER EXTEND MY CREDIT TO ANYONE OR DO ANY BUSINESS WITH YOUR COMPANY. I XXXX XXXX XXXX AM THE CONSUMER, CREDITOR AND NATURAL PERSON AND I EXERCISE MY RIGHTS GIVEN TO ME BY THE MOST HIGH GOD AT BIRTH.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my business partner and myself inquired about getting a business line of credit with First Commonwealth bank after being told the only info needed is business financial statements. So we had a meeting with the bank and presented these business financial statements and they told us we can get the process started if we open an account. So we opened an account and they then told us they will start the process for the XXXX never once was anything mentioned about doing a hard credit pull on my personal credit. I then noticed in XXXX there was a hard credit inquiry on my personal credit from first commonwealth bank. I asked them to remove this unauthorized hard credit inquiry and they will not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account charge off that I payed for that need to be update I have account with late payments that dont suppose to be there I have hard inquiries thats not mines I have made police report and sent it to them and somebody still been tring get stuff in my name I have call them and sent paperwork nothing have been done
Product: Debt collection

I have complained several times about the constant calls. They continue to call every day 5 to 10 times a day. The last excuse was to remind me of payment due. I am on XXXX and Federal payments are exempt according to Fair debt collection act. Yet they continue harassing me continue to add fees and interest. Now I have a bill that is tripled and getting letters from a law firm next. 
This place is supposed to help support consumers and I am yet to see any results. I wonder if I am writing to a machine because it's being ignored. XX/XX/2018 was bill of around {$2200.00} a week later it was an interest addition to bill of {$500.00}. Then it was late fees on top of penalties raising interested for late fees and this never stopped until debt has doubled. Now they can look good by taking less and still get full value of total debt. If the law allowed to take Federal funding which it does not. They violated several laws and continue to get away with this.
Product: Debt collection

Stellar Rec collection for XXXX dollars shows up for a phone Bill but I left the USA 3 years ago And asked XXXX to send me the last Bill before I left I paid it and now live in XXXX Now 3 months ago I am getting Stellar rec collections for XXXX dollars I paid in full 3 years ago what XXXX asked me to pay Then please correct the error Thanks a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect discrepancy on my TransUnion Credit Report. I want to dispute this charge. After multiple telephone calls I still could not log in to Transunions website to complete the dispute resolution. Finally I called to dispute and the operator barely spoke English and the telephone call was cutting in and out so bad communication was not possible. Same problem when I called back. Therefore I was unable to dispute this inaccurate item on my credit. Credit Reporting agencies should have some responsibility to provide easy access to erroneous credit information, especially since they don't seem to be able to secure their computer systems against data theft. 

XX/XX/2018 Calls placed between XXXX -- XXXX Central time USA
Product: Bank account or service

On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX - Balance {$0.00} Unauthorized 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 XXXXXX/XX/XXXX
Product: Mortgage

Signed up for forbearance program In XXXX due to the corona virus pandemic. 
Wanted to keep up with my escrow payments so that I would not owe as much in the end, so I made 2 payments for 3 months of escrow payments each time. They neglected to apply the money I paid to my escrow as I requested and proceeded to XXXX up my whole account. I spent 4 1/2 hours on the phone with them on XX/XX/15 and after speaking to 4 different people in different departments they assured me my problem was rectified so I paid my remaining balance of 6 months of principle and interest. Now in XXXX after making my payment they told me I was 3 months behind in my payments. This is not true so I tried to explain to them what and when I had payed only to have to spend XXXX more hours on the phone and having to speak to 5 different people. I feel it is unfair that they were so negligent in dealing with my account and I fear it may now effect my credit! I have requested them to call me back when they straighten out my account and to send me a letter of apology in case my credit were to be effected. They never called me back and said they would not send me the documentation I requested to verify this was not my mistake.
Product: Checking or savings account

I stayed in contact with the bank and wanted to have them to please wait until my tax return was in. They said they would wait and then before they came in they put me in the check system and closed my account causing a whole mess of problems
Product: Money transfer, virtual currency, or money service

To Whom it may concern, On or about XX/XX/XXXX I received a call from Capital One bank informing me that they had identified potential fraud in a checking account. They explained to me they had identified that business checks made payable to XXXX XXXX XXXX were being deposited into a personal checking account at Capital One. After confirming I was the owner of XXXX XXXX, they sent me copies of the checks. I was able to use the information on the back of the check with my payroll system to identify that my employee XXXX XXXX had stolen the checks from the mail and deposited the checks in her personal account. 
Not only did XXXX XXXX not have authorization to deposit XXXX XXXX checks, XXXX XXXX deposited the checks in her personal account with nothing more than a scribble on the back of the checks using remote deposit. ( See attached ) It is undeniable that that Capital one used no care at all when depositing the checks made payable to XXXX XXXX XXXX into the personal account of XXXX XXXX. In conclusion Capital Ones negligence allowed a criminal to steal checks from the mail and deposit them into their own personal checking account. 
I am asking the CFPB to advise Capital One of their responsibility and obligation to refund the money to the payor banks so that checks can be reissued to XXXX XXXX XXXX. Capital One has decided that the cost of litigation will dissuade us from taking legal action. This is completely immoral, unethical and wrong. A small business should not have to lose money simply because we dont have the resources to enforce the law. The UCC statutes are clear that Capital One is responsible to refund the money. Please help us!!!!!!! 

XXXX XXXX
Product: Checking or savings account

On XXXX  XXXX XXXX, I called Chime to dispute a charge. When I was able to talk to a person, he gave his name of XXXX XXXX. I told him I wanted to dispute a charge. At XXXX I began to see some activities happening on my Savings Account, and my checking account. By XXXX, XXXX XXXX  was removed and sent to the name above. I recalled Chime and this time I talked with a woman. At the start of the conversation, she knew that I was scammed. 
XXXX  I called Chime and was advised that my dispute was denied. 

So I must lose my money to a scammer, something that Chimes knows about this scam.
Product: Checking or savings account

I asked Capital One bank about my paycheck that I should have received at the latest today. They are not responding. I need my paycheck!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my info to open a fraudulent account. They will not remove it from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX 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 ) have 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 an account without my written instructions.
Product: Debt collection

I received in the mail a letter from XXXX XXXX XXXX XXXX dated XX/XX/2024 stating that my Nelnet Student Loan account is delinquent and that I owe {$7800.00} now. Different methods for sending in payments are included : 1 ) regular mail - XXXX XXXX XXXX, XXXX, DE XXXX ; 2 ) overnight mail - XXXX XXXX XXXX XXXX XXXX, DE XXXX ; XXXX ) XXXX XXXX XXXX ; 4 ) XXXX - receive code XXXX, XXXX, DE ; 5 ) XXXXXXXX XXXX XXXXXXXX ; 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 ) QR code. 

The letter also provides www.cfpb.gov/debt-collection to learn more about my rights under the federal government. Because the website provided is credible, it makes the letter appear credible. 

I contacted Nelnet and was told my account is not delinquent.
Product: Credit card or prepaid card

I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and Racketeer, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. 
Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.
Product: Student loan

Mohela is the servicer for all of my federal student loans. I am eligible for Public Service Loan Forgiveness, with some loan balances already forgiven, and remaining loans at XXXX, XXXX, XXXX payment counts. Two of my loans showed XXXX payment counts. Mohela customer service told me in early XXXX  to just keep watching, the payment counts would update in time. The payment counts on the two loans with XXXX payment counts have never changed, despite loans with later disbursement dates being forgiven already. 

I started a consolidation loan on XX/XX/year>. Eventually, these two loans with XXXX payment counts would be excluded from the consolidation loan, for the reason that they showed 'in school status '. XXXX said they could see in the XXXX that the loans had entered repayment multiple times, and to ask Mohela to correct the error. 

I have now been working with Mohela for four months to correct this error. I have logged more than 40 hours on the Mohela phones, with documented screenshots of hold times and detailed notes. I have had four different escalated cases with the resolution team. Mohela managers admit that the two loans in question are 'stuck ' in in-school status. Once, they rebuilt my account, which fixed the issue for a week or so. Somehow the loans keep returning to in school status and still have XXXX payment counts for PSLF. 

As of now, XXXX has processed my XXXX document that I sent in before my 180 day timeframe expired, and the two loans were deemed eligible for consolidation. The consolidation loan is now closed and transferred back to Mohela. Yet Mohela accounts show them as in school, XXXX payment counts, and ineligible for consolidation. My Mohela account now also shows my total original loan balance, including loan balances that have been forgiven through PSLF in studentaid.gov and completely removed from my credit report. 

Given recent court actions in Missouri, I no longer trust Mohela to be a neutral servicer who is willing or able to manage my account details in a responsible manner. Rather, I feel my account is evidence of willful mismanagement in an attempt to retain account balances in order to generate funds through extended servicing, actions which are blocking me from my rightful ability to consolidate and proceed with PSLF, causing me harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I received a bank statement in the mail from Bank of America that was for a small Business checking account that I did not open. When I called to shut it down, I asked what information they had on the account. They had somehow obtained my company 's federal tax i.d . to open the account with. They had my company 's business address and phone number. They did not have my email, name, or social security number. The account was opened on XXXX XXXX of this year with {$0.00}. Bank of America XXXX XXXX. closed it today, XXXX XXXX, 2025. They asked if I had any idea who might have opened it. As we are a small company, I would be the only one opening a bank account. I suspect that someone at Bank of America opened it.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have contacted XXXX, TransUnion and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX Target. 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.
Product: Debt collection

My first contact with this company was when my mother called me upset that she had received phone calls from someone threatening her, telling her I used her name as a reference with a payday loan from years ago and that I did not pay it and that they are trying to locate her. they gave her all of my information in an attempt to get her to talk to them, as she believed it was a scam. She called me very upset and told me about the phone call. around the same time, I received a call from a blocked number from a person who identified herself as a Mrs . XXXX and left no company name. The message stated she had received a location processing order through XXXX County to locate me at my home or place of employment. The Message gave my date of birth as well ( which is personal identifying information I was not aware a company could leave on a voicemail ). The voicemail threatened legal action and listed a " case number '' if I did not respond to the " complainant ''. I called back the phone number that was listed and the person was very aggressive with me. when I mentioned the information that can be disclosed to third parties and the tactics that can be used per the fair debt collection practices act, the lady at extension XXXX screamed at me and said I am going to court and hung up on me. I called back and spoke with someone else and they confirmed that the Mrs . XXXX that called me earlier pretending to be from XXXX county did in fact work there. they would not answer any of my questions and said I should get papers in the mail. I found out only through calling the number provided XXXX-XXXX-XXXX Ext XXXX that the company name is XXXX. I have been screamed at, threatened and intimidated into paying a debt I have yet to be able to get any information on. I have received nothing in the mail so far and my family members have been contacted with my personal information. Please help me stop this illegal and threatening collection against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked for all addresses that do not belong to me to be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and Equifax. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.
Product: Credit card

-Evening of XXXX around XXXX I was going to order from samsclub website -their website stated I had to " register my membership card '' To use the online ordering feature. 
-I went to their site, signed up to access their site, gained access then proceeded to put in my information as a first time user -It asked for name address, XXXX last digits of ss, XXXX then further info about income I felt it was too much information for just online order -So I backed out of the pages without filling out the rest of the forms, and I left the site -I have screen shot of the blank spaces of the pages and error message stating items were not filled in -within XXXX min later I received a text from my Credit monitoring service that their was a Hard pull on my credit -then few minutes later I received a " congratulations '' text that I " had been approved for Syncriny Bank XXXX '' -I did not request a CC card -I did not sig or authorize this action -I called the bank and Sams club today... The club referred me to the Bank The person at the bank stated " I had applied for the card and was approved '' -I asked that I get a copy of any documents showing my request and signature They stated " you don't need a signature '' to apply for a CC -There was no resolution from them which is why I am reporting this situation. 

Thank you for your help and consideration.