23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in a hardship. I requested assistance with loan depot and was denied.I have not been modified. On XXXX I called and spoke to XXXX in loss mit. She confirmed my account has not been modified.I am a VA loan and a veteran. After everything I have done for my country I am being refused assistance. Furthermore, this lender is discriminating against me based on my race, national origin, and marital status. I am a qualified homeowner. I am holding down a job even though I should not be working. I have a letter from my Doctor stating that which I have attached. I am demanding that my foreclosure sale date be postponed and that the loan depot answer as to why I can'tbe modified. What is the " allowed '' number of months delinquent at the end of the trial period even mean. That is what loan depot is stating. See attached letter. What income did they even use for me??????????? Them failing to even state the income used for my review, on the denial letter makes me think this denial was based on inaccurate information. By refusing to disclose details about the modification process, Loan Depot is able to deny my request ( and whoever else 's ) without any accountability. The number of times my 3rd party had to even send in an authorization confirms my allegations. This bank enjoys to make things even harder for people who are already struggling. We had to reach out to the attorneys office and even they gave me and them a hard time. Emails are attached No one wants to do their job. They would rather sit there and collect a paycheck, unlike me who still works for a living even though I should not be. You can XXXX  me. I am work for XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Pursuant to section 169 of the Housing and Community Development Act of 1987, you may have the opportunity to receive counseling from various local agencies regarding the retention of your home. You may obtain a list of the HUD approved housing counseling agencies by calling the HUD nationwide toll free telephone at XXXX. 

I have reached out to HUD ( XXXX ) XXXX help and yet I still have a foreclosure sale date. I am also filing a complaint now regarding the discrimination I have encountered. 

Housing discrimination Based on race, color, national origin, religion, sex ( including gender identity and sexual orientation ), familial status, and disability. 
Fair Housing Initiatives Program organization. File a complaint : Online By phone : ( XXXX ) XXXX : XXXX Per the Equal Credit Opportunity Act Disclosure NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age I have been in and out of the hospital these last few months which is why I am sounding the alarm now. This should not be tolerated.There is no reason I should not be given the opportunity to save my home.
Product: Debt collection

Kay  Jewlers sold my account to  XXXX   XXXX   XXXX . There are in violations of the FCRA. They are still reporting.I dont have a contract with kay jewlers. They have sold my account for pennies on the dollar, and still reporting negative comments on my credit report.
Product: Mortgage

Any time that I need to contact Home Loan Serv regarding my mortgage loan, I am never able to contact anyone. I am placed on hold for a timeframe around 5-8 minutes when I am forced to disconnect or leave a voicemail. I have never, not once, received a call back when a message is left. I have currently been attempting to contact to update my payment information as I have switched to a new account and my old account is no longer in use. I am unable to add a bank account via their webpage, and now I am unable to contact anyone on the phone. I have also noticed information regarding my payments being applied to my principal balance does n't appear to be accurate, but again I am unable to speak with anyone to discuss further.
Product: Credit reporting or other personal consumer reports

I got a notification from XXXX XXXX that there was a hard inquiry on my account on XX/XX/2024 of a XXXX XXXX XXXX XXXX. This was NOT me and this is fraud! My XXXX XXXX shows that someone apply with a credit card under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Equifax came back as verified. I am not responsible for this debt it's not mine. According to the FCRA XXXX is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Equifax is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.
Product: Credit reporting or other personal consumer reports

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Experian keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. With the recent CFPB lawsuit against Experian for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX. ) XXXX  [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX  [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXXXXXX XXXX [ XXXX ] -LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX [ **** ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity
Product: Credit card or prepaid card

To : Consumer Financial Protection Bureau XX/XX/XXXX, Re : Comenity Bank ( Lane Bryant ) account On XX/XX/XXXX, I paid my Lane Bryant Comenity account in Full. Two days later, unknown to me Comenity Bank charged my account a {$2.00} service fee. Im not sure why. On XX/XX/XXXX my account had a balance of {$30.00} that included a XXXX late fee. I had not made any purchases using my Lane Bryant card. Today, XX/XX/XXXX, at XXXX XXXX. I reached out to the bank and questioned the billing issue. The XXXX  male  customer service supervisor yelled at me and said it was MY fault that I did not notice the fraudulent billing sooner. He corrected problem, but continued to say that some people cant be satisfied. He dismissed the fact that Comenity Bank negatively impacted my credit for 6 months. He felt very comfortable yelling at ME and blaming ME. Many of us who have Lane Bryant accounts are XXXX American women. This is bank is XXXX  on XXXX people. You cant win, even with timely payments and a XXXX  balance! The structural procedures and practices to keep XXXX people at an economic disadvantage, and destroy your credit are XXXX XXXX. This is a prime example. 
I am requesting a thorough investigation into the Predatory lending and billing practices of Comenity Bank. I am requesting that Comenity Bank correct my credit report and provide the highest available rating for the previous 9 months. I am requesting Comenity Bank send me a letter apologizing and documenting the corrections on my credit report back 9 months to all reporting agencies. I am requesting a reduction of my interest rate to 3 % for 5 years with {$5000.00} available credit. I am requesting a {$2000.00} gift card from Comenity Bank ( Lane Bryant ) for their XXXX XXXX. 

Respectfully,
Product: Student loan

On XX/XX/XXXX, I submitted PSLF update for months worked this year. I also submitted a REFUND REQUEST for my payments made under the CARES act between XX/XX/XXXX and XX/XX/XXXX to XXXX. The sum total of those payments was approximately XXXX $ and I submitted records of all payments made ( both my bank account and XXXX XXXX ). I spoke with XXXX, employee ID XXXX. 

On XX/XX/XXXX, I requested an update on my refund request. I spoke with XXXX, employee ID XXXX. She said that the previous entry had been done incorrectly - that all of the payments were lumped when in fact they needed to be entered into separate scripts. She said that she had re-entered them correctly but said it could take up to 120 days for payments to come through. 

On XX/XX/XXXX, I received notice that my PSLF had gone through and I had XXXX dollars left on my loan principal/interest! I was very happy about this but have yet to hear about my refund requests. 

I am reaching out now because I have no updates on my ( XXXX $ ) refund request to this point. I have seen posts from people stating that 1 ) they are receiving refund requests within 10-14 business days and 2 ) often, refund processing was preceeded/helped by a complaint to CFPB. I am requesting your help to get FEDLOAN/Dept of Treasury to please process my refund request, as they are doing for others. Please, I would greatly appreciate anything you can do to speed them up!
Product: Credit card

I signed up for a Capital One XXXX XXXX card with a XXXX miles bonus after making {$4000.00} dollars in purchases. Online, and in the terms and conditions, the award miles are advertised as being able to be transferred to other airline reward programs. 

After receiving the XXXX award miles from Capital One, I attempted to transfer the miles to the XXXX XXXX XXXX XXXX rewards program. This transfer was blocked by Capital One, with me being unable to complete their XXXX authentication process. 

Multiple Capital one representatives confirmed over the phone that award transfers are blocked until my phone number is recognized as a " stable contact ''. As a result, I can not use my bonus miles with any other providers than Capital One for an indeterminate period of time from opening my account. Capital One allows me to use the miles with them immediately, but the value is substantially worse than with the advertised transfer partners. Capital One is effectively holding my miles hostage through restrictions that are not made clear to the customer at the time of sign up. 

Despite the {$390.00} annual fee for this card, there are multiple online examples of others running into the same unadvertised restrictions XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

I have an unverified account from Enhanced Recovery. I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

I am writing to document the malpractice of XXXX XXXX and of XXXX XXXX of American Express. I have requested of the business their support with resolving the unauthorized use of my account for purchases with unrecognized merchants and the continue and multiple holds that remained on my account for a prolong time. I have only recently established my account and American Express has permitted my information to be compromised. I have in several occasions communicated with XXXX XXXX regarding my concerns and expecting appropriate action. 
I was in a joined call for more than 45 minutes with XXXX XXXX from the executive office, being told from department to department that they did not have access to my account and leading to no resolution. XXXX XXXX and I were transferred to XXXX, from the fraud department. XXXX did not know to address my concerns with any propriety, instead he continued to dismiss that XXXX XXXX was presenting an issue escalated to the Executive office. The poor practices have remained and have prevented me from my account from a prolonged time. When we continue to communicate that all identifying documentation has been provided and that there is no reason for the hold on my account, XXXX XXXX correcting errors of input by staff at American Express, XXXX still remain unhelpful and disregardful of my time and of my business. XXXX left me and the executive office member awaiting in the call as he consulted with supervision. It was almost an hour on the phone, I informed XXXX XXXX several times that I have need to get back to my work and I could not remain in the phone. The call was ended without any appropriate action for the part of American Express. Later, I receive a message from XXXX XXXX writing that she would not take ownership of the concerns presented and that instead she would have XXXX XXXX contact me. XXXX XXXX remained demonstrating abuse behavior that further dismisses and with the intent to coerce customers to make payment towards charges that I am not liable for. I provided to XXXX XXXX that there is a charge on the account that the merchant has corrected after I communicated that my information had been compromised and that I did not authorize the use of my information to make purchases with the business. American Express fraud team after having learned that the merchant had provided a credit as appropriate for the illegal charges, is still charging me for the fraudulent transaction when even the business has acted appropriately. 

I have presented my concerns numerous times to the American Express executive team regarding failure of the business to address my concerns regarding the unauthorized debits made to my accounts. The business has failed to address that they remain withholding me from managing my accounts is in violation with regulations in place to protect me and what is reasonable of a financial institution. XXXX XXXX has continue to obfuscate communication, withhold account information and complicate the resolution of my concerns.
Product: Money transfer, virtual currency, or money service

Changed routing number and account number areas are all in XXXX XXXX CA from WELLS FARGO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX,. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ETC
Product: Vehicle loan or lease

I asked that you investigate and remove the unauthorized inquiry on my credit report. 
CAPITAL ONE AUTO FIN Inquiry from XX/XX/2019 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Product: Credit card or prepaid card

My card was charged by a company that doesnt exist, have tried for two months to rectify dispute to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022
Product: Debt collection

Company gave me 7 days to evict property which i did. No bill was sent to me, no eviction was filed. Company trying to obtain illegal debt. Contract was terminated per forms provided by leasing company.

No Proof of Contract : I request that you provide valid documentation or proof of the original signed contract associated with this account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. To date, no such proof has been provided.

Violation of FCRA Reporting Standards : According to Section 605 of the Fair Credit Reporting Act ( FCRA ), negative information, including collections, should not remain on a credit report for more than seven years. If the debt has not been validated and remains unproven, I believe this collection should no longer be reported.

Debt Forgiveness under IRC Section 108 : If this debt has been forgiven, settled, or canceled, as may be the case, I believe that it falls under IRC Section 108 and should no longer be reported. As such, I request that this collection be removed from my credit file.
Product: Debt collection

Wakefield and associates is trying to collect on a debt in which I don't owe they're trying to collect on three medical bills one with XXXX XXXX and the other with XXXX XXXX.I had XXXX and it was extreme, I was in the ICU on XXXX XXXX XXXX XXXX and had XXXX XXXXXXXX XXXX XXXX XXXX. I literally had to call and say XXXX XXXX XXXX XXXX, XXXX XXXX XXXX but was out of work for 7 months I had insurance when I was in the hospital for what XXXX  is trying to bill me for. XXXX never sent me one single Bill until I was out of the hospital for over a year that was the first I heard of it. Within only 2 weeks of receiving the letter in the mail they had already sold my debt off to Wakefield and associates, Wakefield and associates already had a debt of mind from XXXX XXXX which I do not refute. My problem is with the debt 's that they're trying to collect from XXXX. Not only at the time was the cares act in place but I had insurance, myself and my wife both told XXXX to Bill our insurance company, my insurance company covered tens of thousands of dollars in my bills while I was in the ICU, these bills are no different they are from XXXX and should have been billed to my insurance why they were billed to me and brought to my attention so late I have no idea, but I do not owe these. aWakefield and associates is just harassing me for a debt in which I don't owe, it's bad enough I had XXXX XXXX XXXX XXXX I was off work for 7 months, and I'm still sick and in and out of the doctor 's office and the hospital because of effects that XXXX has caused to my XXXX, please hold Wakefield associates accountable and make them stop harassing me and delete my debt for XXXX XXXX I do not owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 or other personal consumer reports

Under FCRA 605B, you are obligated to remove any incorrect accounts from my credit report. Please verify the documents, as some listed accounts contain inaccuracies in the reporting, amounts, and dates.
Product: Debt collection

I been trying to dispute this collection account that just came on my credit after the account has been paid and closed. They keep updating saying the balance are accurate when its not. I even spoke with the original creditor and they informed me that the debt has been paid.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX specifically debt bondage. As a result of this XXXX  my personal information was used without my consent to open accounts and incur debts. These accounts do not belong to me and are negatively impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the 15USC1681A under the exclusion section ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report.

Meaning any card plate or coupon book existing for the purpose of obtaining money, property or service on credit. If these items are not removed this is a civil liability reporting these items that are inaccurate from my report. 
Also investigative consumer reports says when a consumer report should not include factual information because I was not interviewed nor have my neighbors, friends or associates. 
In fact at the beginning of the FCRA under the congressional findings congress right away removed themselves from liability letting the consumer know that this is an elaborate masochism they assume this ia a vital role of reporting information.