23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

I am writing to bring to your immediate attention to the dire situation my family and I are facing due to the ongoing issues with our mortgage serviced by Selene Finance. Despite seeking legal representation and exhausting all possible avenues for resolution, we have yet to see any progress in addressing the numerous grievances we have with Selene Finance 's handling of our mortgage. 

The profound poor accounting practices, unilateral adjustments of interest rates without prior notification, and unexplained increases in our mortgage payments have created insurmountable financial and emotional hardships for us. Our attempts to seek redress through legal channels have been met with roadblocks and delays, leaving us feeling helpless and vulnerable. 

Our research into Selene Finance 's track record has revealed a disturbing pattern of similar complaints from countless other homeowners, as well as numerous class action lawsuits and legal proceedings. It is evident that we are not alone in our struggle against the predatory practices of Selene Finance. 

Given the gravity of the situation and the widespread nature of these issues, I implore the Consumer Finance Department to take immediate and decisive action to hold Selene Finance accountable for its actions. The wellbeing of countless families like mine hangs in the balance, and swift intervention is necessary to prevent further harm. 

I urge you to launch a thorough investigation into Selene Finance 's practices and ensure that appropriate measures are taken to address the grievances of affected homeowners. It is imperative that justice is served and that those responsible for perpetuating these injustices are held accountable. 

I appreciate your urgent attention to this matter and look forward to a prompt and satisfactory resolution.
Product: Debt collection

I CHECKED MY CONSUMER REPORT CAUSE MY SCORE DROPPED AND NOTICED NEGITIVE ACCOUNTS THAT DONT BELONG TO ME. 


XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This took place over a week and a half from around XXXX XXXX. The person first contacted me through XXXX XXXX  going by the name " XXXX XXXX '' and interviewed me for a Data Entry position to work remotely from home during covid-19. The instant messenger interview went well and she said that I had gotten the job. She then said she will be sending me a check to buy equipment I would need to be able to work from home. And that it has to be certain company approved equipment with the company logo and programs already installed. A few days later I was mailed the check for almost {$7000.00} and I could not deposit it to my bank because I just moved to XXXX, XXXX from XXXX, XXXX. I made a new bank account with XXXX XXXX XXXX and deposited the check. They told me they will be putting a hold on it for 10 days since it is a new account and so much money for the deposit. 

I told " XXXX '' this on the XXXX and she began to get impatient saying I was supposed to start training that week, She asked if I could use any personal funds to speed up the process to get some of the equipment mailed over to me. So she gave me the information of the " Vendor '' " XXXX XXXX '' to send money over quick pay through my normal bank Chase. She asked how much I can send and I said probably around {$800.00}. She said I would be reimbursed the following week, and I thought since the check was already in my account that I would be okay. 

The 10 days finally are up today XX/XX/XXXX, I checked my XXXX XXXX  account and see that a withdrawal was somehow made in my account that took all of the money in the bank account and {$48.00} just in fees so that account is now $ XXXX. 


I do not have money for rent now and I am out {$800.00} from this scammer. I just moved out of state to a new place needing a job desperately and I got taken advantage of and made a fool. Please help.
Product: Mortgage

I had a terrible experience trying to refinance with this company. The loan officer was more interested in locking in my rate and collecting my deposit, {$500.00}, then trying to help me understand the process. They made extremely unreasonable statements about the timeline, closing in 15 days ( current industry standard is 30-45 days ), having an appraisal innated in 24-48 hours ( didn't hear from the appraisal company for 6 days ) and promised quick and easy communication ( after finalizing the deposit I never heard back from the loan officer unless they were contacted by a third party ). When promised communication and timelines failed I called the company directly to cancel my application and get my deposit reimbursed. Even after telling the customer service I no longer wanted to receive communications from the assigned loan officer I was immediately contacted by them because they were notified of the complaint. Mind you I had tried to contact the loan officer directly through many different means prior to filing a complaint and and canceling the application. My request was ignored and the process continued with the same behavior. Poor communication and the only getting responses if communicating through a third party. I was naive to believe the loan officer and commit a deposit not understanding that it is not an industry standard practice. After contacting multiple other refinance companies I found that their rates were not as low as I was led to believe and that their are much better options available then what they presented to me. After deciding my best option forward was to work with a different company the loan officer contacted me and asked why I had stopped complying with their process. I informed him that I decided to go in a different direction, he made no attempt to make good on his promise to match rates. Not that I wanted to work with him any longer. But I was informed that the only way to get my deposit back was if they could not match a rate another company was offering .... 

I would really like to get my deposit back but my review is more a result of the terrible customer service I received than it is from loosing out on my deposit.
Product: Debt collection

XXXXXXXX XXXXXXXX  was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. XXXXXXXX XXXX continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then XXXX XXXX turned over the debt to DCM Collection Services. Upon receiving the notice from DCM, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). DCM sent another letter address to me with a notarized document giving the appearance that the document came from XXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX - XXXX XXXX and the representative I spoke to confirmed the file number DCM referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX XXXX would not send anything out on behalf of a collection agency.
Product: Debt collection

ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : LVNV FUNDING LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Experian in reference to the XXXX XXXX XXXX card account showing charged off in the amount of {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax has verified that information that is reporting to my credit file is correct. Which indeed it's not correct all three are reporting inaccurate dates, months, account description and Credit limit. These accounts aren't reporting the same information this has been verified then I request Under Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This not an update of my credit report but a deletion. These three Bureaus are refusing to remove these inaccurate accounts that aren't reporting correctly.
Product: Debt collection

I have place JEFFERSON CAPITAL SYSTEM, DEBT COLLECTORS in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] g Also stated : Account/Reference No. : XXXX, SELLER : XXXX XXXX XXXX XXXX XXXX, MN. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are all reporting delinquencies with my XXXX XXXX  loans. I entered into the Fresh start program in XX/XX/XXXX, which is why all my XXXX loans have reported as paid since XX/XX/XXXX. However, the credit bureaus have refused to remove the prior defaults or delinquencies reporting from XXXX through XXXX. 

As a result I have been turned down for credit from every creditor who has pulled my report from Experian, XXXX and XXXX more than a dozen times over the past 2 years. Each denial claimed I had too many delinquencies. What is more interesting is that XXXX and XXXX have provided me copies of my credit reports which do NOT show any delinquencies. However when I contacted the Creditors they informed my I had numerous delinquencies all from my XXXX loans. I have attached a recent letter from the Department of Education which states the following : Anyone who has entered or does enter the Fresh Start program by XX/XX/XXXX will have the following : * " We will report your loans back in good standing '' * " We will REMOVE the record of default from your credit report '' etc... 
I am requesting Experian, XXXX and XXXX to remove all the delinquencies with each XXXX  loan and send me an updated copy of my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I completed a debt consolidation loan with one of the banks I work with ( XXXX XXXX XXXX XXXX ). They requested the ability to send cashiers checks directly to some of the creditors we were paying to which I agreed. The largest debt was an XXXX XXXX credit card issued by Commentity Bank. The balance at the time the check was sent ( XX/XX/XXXX ) was XXXX but the check was sent out for XXXX because it had not included a payment i recently made. 

According to the mail tracking the check was received on XX/XX/XXXX and the balance had not changed. On XX/XX/XXXX I noticed the check had not been credited to my account so I began calling in because I started incurring " interest charges '' of XXXX. I opened a dispute and sent them copies of the check, the delivery receipt from the mail, and included the payoff form they sent us. It has now been 2 months and I have called them dozens of times, my bank has called them dozens of times but the bottom line is they told me that I would not need to worry about making a payment while they located the check and I have that in writing. They knew I was in the middle of buying a home but I can not close until they show the account at a XXXX balance. I have also been paying on my new loan with onpoint. I work up yesterday to see that they reported me 30 days late and that dropped my credit score by over XXXX points. 

Every time i reach out to them I get someone new and the same response or a different story entirely. They will not sign the form to release the check and continue to tell me that checks can take 30 days to process and disputes can take up to 90 days to process. I am BEYOND furious at this point and need someone they will listen to and respect to intervene.
Product: Student loan

I have been enrolled in public service loan forgiveness for years, through 3 different servicers since this program was made available in XX/XX/XXXX. I am an XXXX working in XXXX XXXX XXXX since XX/XX/XXXX. This program has allowed me to stay and not go work for a private firm which would pay more. It allows me to plan for retirement. These servicers fail to give me credit for payments made ( some full payments made during a forbearance reps suggest while we wait for recertification or verification or new beneficial regulations to go into effect are not counted - they need to give credit for these payments ). I have asked many times for a supervisor to call me, to address the problem, for an analysis of my payments, for them to update the number of payments I have made, to correct the ongoing errors. They do not respond and they refuse to share contact info. I have spent countless hours on the phone trying to get answers and credit for payments made. I have sacrificed many many months and even now, years, when payments could have been made but we needed to wait for these service providers to implement a new program or process documents or especially while transferring to new providers ( especially waiting fr XX/XX/XXXX which was date fo 10 % cap implementation - it took until XX/XX/XXXX to actually have them do it - so I lost a year and a half. Bottom line is I am entitled to additional credit for payments made. I request and am entitled to credit for EVERY payment I have made. Errors in the past decade where plans were incorrectly assigned to me or employees of XXXX XXXX failed to process applications and documents I have submitted, all need correction so that I can RETIRE. This is the worst administered program I have ever encountered. And I work in XXXX. It is not fair to the borrower. We need to be able to talk to the same person and not rehash the issues with multiple people, many of whom lack the knowledge to address the issues correctly. I did get a few corrected recently but I can not understand why some were fixed and not others. I have large files full of documents.
Product: Student loan

I have contacted American Education Success ( AES XXXX my servicer of my private XXXX student loan several times since XX/XX/2016 regarding my employment status. I became under employed in XX/XX/2016 and told AES I would not be able to make my payments in a lump sum, but I could make smaller weekly payments via my unemployment and miscellaneous temp jobs. I was told every time " we do not do that '' and " I am sorry we ca n't help ''. Today I received a notice for XXXX that stated my payments for AES/XXXX were 30 days past due, which is not true. I pay a small portion almost every week. 

Yet I still get calls from the collection agency ( which I had to block ) and they are single handedly ruining my credit score. 

My federal loans, and all the other companies I have regular payments to like XXXX understand economic and financial hardship, they work with you, especially when you are still making payments. 

AES/XXXX are honestly just ... .XXXX. It ridiculous there is not some concessions made for those like myself who are still make regular payments and are trying to maintain a good financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported to XXXX XXXX, Experian and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to Experian and XXXX  at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the XXXX, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, Experian showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.
Product: Credit card or prepaid card

On XXXX statement, charged XXXX  and the next day attempted a bank transfer for XXXX. Due to a delay from the bank, it didnt go through. The very next day I transferred the XXXX and they charged me a fee. There was no email or notification of the fee. My monthly autopay was more than enough to pay minimum and the XXXX but they did NOT apply it. I was then hit with late fee and my rate tripled. American Express specifically hid this fee to cause a late payment so they could justify the rate increase.
Product: Credit card

I put a SCRA claim in to drop my interest rate down to 6 % XXXX months ago still no one has processed it nor have given me a time limit of how much longer it will take
Product: Mortgage

Please be advised of the following. The response from XXXX XXXX to the Consumer Financial Board states the following : " Sent to company STATUS Sent to company on XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also called you at XXXX, on XXXX XXXX, XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. '' I checked my telephone and there was no record of a message or telephone call. The fact that JP Morgan will again use the same old tired tactic of " researching complaint '' is a tired trick by a dishonest and greedy institution. 
Just wanted to have this on the record. They have excelled in the art of deceptive mortgage practice and by stalling they hope to frustrate the consumer. Not me. Will not happen.
Product: Checking or savings account

On XX/XX/year>, my Chase account was locked for suspicious activity. I called Chase to find out that an individual by the name of XXXX XXXX XXXX and someone representing themselves as me went into a Chase branch in Indiana and opened an account in my name, with XXXX XXXX as a co-signor. They proceeded to open an account in my name, link it to my existing profile, and were able to transfer funds around and ultimately into the new account that they opened, and withdrew money. I believe the final amount missing is {$23000.00} ; they also obtained access to one of my credit cards and spent nearly $ XXXX in expenses. I have been reimbursed for the credit card transactions, but am missing the {$23000.00} from my checking account and joint account. Unfortunately, Chase has been horrible with this ; transferring me to various parties, no one having the facts, not assisting, and there's very little being done, nearly XXXX weeks later. Additionally, the Chase branch clearly has very little security measures, as my ID is on file ( Illinois drivers license ) and the perp brought in a fake MN ID, and was of a different race. Clear mis-match.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club.com is reporting me delinquent. I have no knowledge of this account. I did apply for a loan with them a while back but they verbally told me I was denied as they needed additional information to verify my identity and they would contact me back ; I never heard back from Lending Club.com