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

Freedom Mortgage XXXX # XXXX I received an insurance claim check on XX/XX/XXXX that was made out to both me and the mortgage company. I called Freedom Mortgage to see how to have them endorse it. 
Check # XXXX for {$4400.00} Check XXXX for {$9000.00} I was told to put the following atheization number on ( XXXX ) it and mail it to Freedome Mortgage XXXX XXXX Attn : Lost Draft Dept XXXX XXXX XXXX XXXX MI XXXX I was told it would take 3-6 business days to process it and it would be mailed back to me. 
On XX/XX/XXXX I had not received my check so I called and spoke with XXXX. I was told they had the check but it was not processed yet. At this point I had contractors scheduled to start XX/XX/XXXX and needed to pay them. I asked to have the checks overnighted. I was placed on hold, when XXXX came back he was unable to do this. I requested a call back from his supervisor. Was told it would be 24-48 hours for a call back. 

I had not received a call back, so I called Freedom Mortgage back. Spoke with XXXX this time and was told the check would be processed on XX/XX/XXXX. I asked for it to be overnighted again and to speak with a supervisor. Was told 24-24 for a call back. 

XX/XX/XXXX No call from a supervisor, Called back and spoke with XXXX. Told the check was not processed and that they had switched processing companies. Asked to speak with a supervisor, was told 24-72 hours for a call back. 

XX/XX/XXXX No call from supervisor, called back and spoke with XXXX Was told that the check were now " Under Review '' asked to speak with a supervisor. Was told 24-72 hours, but sent me to a voice mail XXXX XXXX? Left a voice mail explaining my frustration and needing a call back to expedite this matter. 

I really did believe this would be the easy part of process. Unfortunately, I have been given false, changing or useless information from the start. I just want the checks so I can pay the contractors. 

XXXX XXXX XXXX
Product: Mortgage

I reuested a forebareance period for Covid reasons beginning XX/XX/21. I was approved and used the entire period, making a full mortgage payment on XX/XX/21. 

Prior to emgering from forbarence the lender electronically offered me a loan modification, to deal with the missed payments during the forebareance, and offered to lower my interest rate and extend the lenghth of my loan. 

Under the CARES act it was my impression that the lender was required not to report negative information to the credit bureaus during my forbareance period. Now, after the offer of modification, I have found that in fact my credit has been adversly affected throughout this entire process. 

The full payment I made at the end of my forbareance period has been placed in suspense. I am going to be reported as paying late. Also my load modification itself will lower my credit rating, even though I paid a full, unmodified payment at the conclusion of my forbarence period. 

Even the way the forbareance was reported, during the forbareance period negatively impacted my credit, as the bureau used the lack of a payment in the prior cycle as evidence of a lack of credit worthiness. 

I have not missed a payment on any loan of credit instrument in over ten years. I have also taken steps to improve my credit worthiness by paying off and closing over half my credit accounts in the past year. 

In spite of this, I have a credit score ( on most bureaus and instances ) of below 600, making me ineligable for most types of credit. 

In XXXX I was hospitalized for two months, and missed three months of work. I paid every bill durning that period, and only took the forbareance with the understanding that my credit would not be affected by Federal Law. 

Because of this issue, I am unable to refinance my home, even though I have over {$85000.00} in equity. I can, however, sell my home, and use the profit as a way to pay off all my debts, and right my credit. 

So I have decided I will sell my home.
Product: Bank account or service

in 2013 I had a account with Bank of America my boyfriend at the time had asked if he could deposit his check in my account so I agreed and signed the check he deposited it for me. Then I get a letter stating that my account was locked, come to find out it was a fake check and I have n't been able to open a account since.
Product: Checking or savings account

I am XXXX since XX/XX/XXXX. I was unemployed but receiving unemployment until XX/XX/XXXX. Ive comtinued working for an agency of XXXX and was hired at XXXX XXXX XXXX XXXX in XXXX for 2 weeks and then another job for XXXX XXXX XXXX in XXXX, Ca. While I XXXX XXXX XXXX XXXX Since XX/XX/XXXX til XX/XX/XXXX. I no longer have any banks since my wallet was lost since XX/XX/XXXX. I had closed my account with Bank of America by telephone. I got no access through mail due to XXXX. I have no idea why Bank of America is putting a block on my name which is preventing me from opening a bank anywhere. I left out of country on XX/XX/XXXX til XX/XX/XXXX. Recently I received a check from XXXX and XXXX fir some settlement. It was issues on XX/XX/XXXX, While i was out of country. Now my check are not able to get cash or deposits due to Bank of Anerica put a hold on my account, dissabling me. Im able to residenwith my brother sharing a room with my parents. And gon na start my job nearby. But with my problem with XXXX, my checks are just useless. Please help me get back on track and I cooperated with Bank of America but they said even if I would pay the bank will not let me open an account. So therefore, my hands are tied and now stuck in the past.
Product: Credit reporting

This is my third complaint to the Consumer Financial Protection Bureau regarding the bankruptcy that Experian is reporting under my credit file. I have repeatedly asked Experian to validate that this bankruptcy belongs to me and that it is being reported correcttly. They have responded it is VERIFIED In the FCRA, verification is not VALIDATION and I, the consumer am entitled by law to validation. Experian said they verified it with a third pary agency but furnished me no proff of how it was verified and the process which again. I the consumer am entitled by law to know who this third party vendor is and the the process used.. Experian has given me neither item that has been repeatedly asked for. They have violated MY RIGHTS as a consumer and I want this item deleted immediately from my credit file. That is the only result that i will accept.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pls reach out. I hereby request immediate assistance in engaging XXXX and XXXX to rectify my current credit score, which is deemed inadequate. This suboptimal score hinders my ability to secure credit cards or loans, leading to repeated unsuccessful loan applications. This predicament is untenable, and I seek prompt remediation.

I urgently need help rectifying errors on my credit reports with XXXX and XXXX. Despite my persistent efforts to contact them over the past three years and five months, my credit score has not improved. This has had a significant negative impact on my financial and personal well-being. I've reached out to them 10 times through emails and phone calls, but I have not received any response. My stagnant credit score has prevented me from getting approval for various financial products, causing significant distress and hindering my progress. I urgently seek XXXX 's cooperation in removing the negative report from my file. Thank you for your attention to this matter. 
I have no idea why my credit score keeps decreasing badly without my notice as they falsely Claim l pay late bills that never occurred in my entire bill history. I've always paid my bills on time without missing any payments, but my score is lower due to insufficient claims you must fix this mistake ASAP. All the false claims need to go ASAP. l constantly tried to apply for new credit cards or loans l was denied due to my debt and all the negative claims on my files. l wants all three credit bureaus to reject all the bogus claims of my credit score vital for cleaning out that hold me back from owning anything. Every time, l filled out the institutions for money l disapproved of the loans. For instance, XXXX, XXXX XXXX XXXX, medical bills, and Nelnet Bank student loans must fix my credit score and correct all the mistakes that occur ASAP. I want to increase my credit scores higher not lower my score at all. I dont recollect all the negative allegations on my account, all these allegations must be fixed up ASAP.
Product: Mortgage

My name is XXXX XXXX from XXXX XXXX XXXX I have been working with PNC Loss Mitigation Department and I need your help! Our file is being refused for review because previous companies have failed to do there due diligence in correctly completing the short sale application. I spoke to XXXX XXXX from the Loss Mitigation and she had explained company policy but I beg you on behalf of the HomeOwner and myself to please assist in this matter. The HomeOwner has an auction date of XXXX XXXX. We have a full file and fully executed contracts with a Cash Buyer. Please see attached documents and help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder Specialized Loan Servicing. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by XXXX to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is XXXX XXXX  that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY
Product: Student loan

I contacted Navient, formerly XXXX XXXX, several times from approximately XX/XX/XXXX- XX/XX/XXXX, due to my loan payments being extremely high. I was unable to make such a high payment at that time while working part- time ( payments were about {$600.00} a month and it increased overtime ). No one ever spoke to me about the different payment plan options that were available. I was told that I needed to go into deferment and forbearance each time. They never told me that I could choose an income based payment plan. I then defaulted on my loans because I did n't have the means to make such high payments once my loans were no longer eligible for forbearance. My loans were then put into a collection agency where I was charged ungodly fees. After going through the rehabilitation payment program through the collection agency, my loans were then sold from the Navient collection agency back to Navient in XX/XX/XXXX ( yes this sounds ridiculous since Navient sold the loans back to themselves ). I 'm filing this complaint because if someone told me about the available options to lower my monthly payments then I would n't have defaulted on my loans. I 'm extremely upset how Navient operates and treats their customers. Over the last 11 years, no one has ever explained the different payment options available or how to best manage my loans with my financial situation. I needed a family friend to help me navigate the federal loan system which has put my loans in good standing. Maybe Navient should hire my friend since they are unwilling to provide proper information to educate borrowers!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, personal loan, or advance loan

Speedy Cash has issued some sort of garnishment on any funds in any account with my name on it. I contacted the person XXXX XXXXwho withdrew the funds, since its under an individuals name and not under speedy cash. They couldnt provide any information and couldnt validate the reason for withdrawing over {$4700.00} from my account. This if the second attempt, XXXX XXXX returned the funds to my account. XXXX XXXX released the funds to this person. And now funds I had in XXXX XXXX have been blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter about inaccurate accounts on my credit report and asked for verification. I never received a response. on XX/XX/2020, I sent another letter and still haven't received a response and these negative accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( Experian, XXXX XXXX ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b.

It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send numerous letters to this company and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted supporting documents to Equifax to get an item removed from my credit report. The document was an actual court order ( signed by the judge ) in  my favor showing that the debt/case was dismissed that was filed by XXXX XXXX. I'm no longer responsible for this debt/account. Equifax still reported the information as accurate. How is this possible? They actually tried to investigate a fraud claim on my behalf and I did not request a fraud investigation for XXXX XXXX.
Product: Debt collection

I am inquiring about the credit account that the accounts that you purchased. I did not give any consent to have my account bought by anyone. 

This is illegal for you to purchase the account and then try to come after me for the amount. 

Are you familiar with something called U.S.C. Sec ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this XXXX  said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. {$240.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit card or prepaid card

I recently lost my job and was struggling to find work, 3 creditors closed my credit cards because I had some monthly payments being reversed. Capital one ( 2 credit cards were closed with HIGH interest and late fees applied ) XXXX credit card and XX/XX/XXXX credit card as well. All 3 of those creditors closed my accounts and I am not sure why, my only guess can be the payment reversals from my bank ( XX/XX/XXXX ). XXXX is no longer my bank as I recently was a victim of a scam and fooled with a fake check. I have been undergoing extremely stressful and unfortunate situaitons and my credit score just last month ( XX/XX/XXXX-XX/XX/XXXX ) was in the 620s and it has dropped SIGNIFICANTLY for reasons I cant even understand.
Product: Money transfers

This is a follow-up to a previous complain that I have filed. [ Case number : XXXX ] I have been working with my financial institution ( Citibank ) on this issue continuously since my previous complaint. 
Previously, Citibank advised, " On XXXX XXXX, 2016, we received notification from XXXX that on XXXX XXXX, 2016 your wire transfer was processed in accordance with your instructions and that the beneficiary 's account was credited. '' This is NOT Accurate. The funds were sent to a Different Account and in a Different Currency from my Instructions. I have attached documentation that demonstrates that my instructions were not followed. 
I directed the funds to be deposited into account # XXXX. However the funds were deposited into account # XXXX. This is inconsistent with my instructions and the Wrong Account. The last XXXX digits of the account specify the currency ( XXXX is a XXXX XXXX account and XXXX is a local currency account ). 
I have attached a copy of my Bank Wire Instruction with the designated account highlighted along with a copy of a statement showing that the funds were deposited into the incorrect account. 
I have provided the documentation to Citibank but they have failed to rectify the issue. 
I am seeking Citibank to comply with my instructions or refund my money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a recent inquiry that has appeared on my credit report without my consent. After reviewing my credit report, I discovered an unauthorized credit inquiry made on XX/XX/2023 by XXXX XXXX XXXX. 
Details of the unauthorized inquiry are as follows : Inquiry Date : XX/XX/2023 Creditor/Company Name : XXXX XXXX XXXXXXXX Inquiry Type : Hard Enquiry I have not provided any authorization for this inquiry, nor do I have any business relationship with XXXX XXXX XXXXXXXX XXXX As a consumer, I am entitled to know the details of any information accessed on my credit report and to dispute any unauthorized inquiries. 
I am formally requesting that you investigate this matter promptly and remove the unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 or other personal consumer reports

I recently submitted a request for an investigation of the above-noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been late on these accounts so please remove the late dates on these accounts ASAP.