23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to XXXX5 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Product: Mortgage

I am engaged in a purchasing contract that would include the assumption of the seller 's current FHA Loan. Over a month into the contract, the mortgage company has claimed the loan isn't assumable as the current owners were late on a mortgage payment in the last 12 months. After acquiring copies of the current owner 's closing documents ( mortgage contract ), confirmed the contract contains no disclosures regarding lender applied assumption terms of any kind, including XXXX where a late payment would disqualify the loan from assumption.
Product: Checking or savings account

This regard to BB & T bank what bother me is that they hold my refund check from IRS because of get clear on check. Then when date of check told be release the bank then told me that it would release until next day due process system. The check hold for 7days, Another problem is that I have payroll deposit in checking account, because of thier process system my funds are not release to me until same day but XXXX that XXXX. Most bank release funds the same date not special time. I got wait until XXXX that XXXX to start paid my bills and bank will charge me overdraft fee due thier process sysytem. My money not release until XXXX when I got automatic money coming out account. This total a waste and way I feel that BB & T are taking money from me due to thier system process.
Product: Checking or savings account

My USAA XXXX XXXX XXXX  was fraudulently used and they refuse to refund my money.
Product: Mortgage

I have a XXXX XXXX mortgage loan on my sole residential property. The mortgage servicer is JPMorgan Chase Bank. In XX/XX/2020, I requested in writing to Chase a forbearance on my mortgage loan for an initial period of 180 days under the CARES Act. I attested and affirmed to Chase that I am experienced ( and am still experiencing ) financial hardship caused by the COVID-19 emergency. 

Chase automatically enrolled me in a 90 day " mortgage payment assistance program ''. Chase informed me that all missed payments are due at the end of the 3-month period. Is Chase allowed to ignore my request of 180 days forbearance under the CARES Act and demand a lump sum payment?
Product: Credit reporting or other personal consumer reports

Remove the following account for improper use of my credit report.The payment history reflects continued reporting a charge off after the account was closed.This is detrimental for me and my family XXXX XXXX account XXXX premier account XXXX
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. It has been well over 30 days and I haven't received results.
Product: Mortgage

I went with JP Morgan Chase home lending ( loan # XXXX ) mainly because they gave a 21 day closing guarantee ( I was already in contract and it took a while for Chase to match the rate I received from XXXX which delayed the application further, but I was told since I had more than 21 days, I would still close on time ). 

I never delayed providing any document and had been more than prompt on their multiple requests. However, we were not able to get final approval before closing date and I had to get an extension from the seller ( which was lucky, but I could have lost the deposit and caused a lot of stress for us ). 

I was expecting the closing guarantee credit of {$2500.00} to be sent to me automatically, but never got it and never received any response related to it when I contacted them by email. This feels like a bait and switch and read multiple experiences where no one ever got the guaranteed credit with multiple excuses. 

I always had good experience with Chase customer service and expected this to be the case with mortgage as well and was disappointed not to get the credit ( which would have alleviated some extra closing cost I had to pay due to requiring to change from XXXX to XXXX ARM ). I really appreciate if they would read this complaint and resolve it by sending the credit to us.
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting negatively on my account. I sent the credit bureau a copy of my contract with XXXX AND NOT XXXX XXXX and they just updated the loan. XXXX and XXXX XXXX can not be report together. They are not the same company. When contacting XXXX they acknowledged that I have no account t with them. XXXX XXXX ALSO ACCELERATED MY LOAN WHILE I WAS ON XXXX XXXX WHICH IS IN VIOLATION OF THE SCRA LAW. I want to know how Experian validated this contact. I want to know what procedures did they follow to ensure that this loan was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter of XX/XX/2019 was sent to experian disputing the court name of a public record. The name listed in my credit file is not the legal name of the court. I provided verification of the court 's legal name. Experian replied they need information from me to verify myself. I included the consumer report number which is in their database. This report number is the one they provided to me with my credit file which had been previously requested by from them. I already identified myself when I requested my credit file. The address they mailed this request has the wrong street name but the post office delivered it to me. 
I included with my letter of XX/XX/XXXX, other years their office incorrectly reporting the court 's name in my credit file.
Product: Money transfer, virtual currency, or money service

Company : Bank of America Date of international money transfer : XX/XX/year> Amount of money sent : {$170.00} or XXXX XXXX Account was debited right away but money was not received by recipient. Requested a re-claim around XXXX XXXX, 2025 via phone after weeks of money not being received by recipient in the XXXX. Until now, money has not been credited back to account. Called an agent today and said still no status on where the money is, she is saying that the money is not in Bank of America anymore, the bank in the XXXX ( XXXXXXXX XXXX XXXX ) is claiming they don't have it as well. A BOA Resolution Specialist sent an email but did not return back an email, attempted to reach the specialist but the direct number /extension goes straight to voicemail and no call backs even with multiple voicemail messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with multiple representatives about inquiries on my credit report provided them with the FCRA information that was provided and was advised there is nothing that can be done. Soke with the companies that have the inquires on my report and there is no paper work with my signatures.
Product: Student loan

Hello, On XX/XX/XXXX, I made a payment on my student loan serviced by MOHELA. I received a confirmation and my payment left my bank account via electronic transfer that same day. Today it is XX/XX/XXXX and the payment has still not posted to my account. The account shows a past due balance even though I paid the amount in full and they took the money out of my account. 

Guidance says the payments usually post in 3 days, but we are now seven days past the payment and it still is not posted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

This is a follow-up complaint for a recent complaint I filed in case number XXXX. Rather than start a new complaint, I 'll explain additional details under this case number. 
Today ( XXXX XXXX, 2015 ) I received a letter from Synchrony Bank concerning a credit due to my credit card account ending in XXXX. The letter states that " According to our records, your credit of {$960.00} was applied to your account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' The letter was sent from the Customer Service Department. Having all my previous statements in hand, I know the above quote from the letter is patently false. 
I called Customer Service yet again today to ask them to explain the letter and point me to the statement that contained the applied credit. I spoke with customer rep " XXXX '' who told me that the letter was not in error-that it referred to when I opened the dispute. Clearly the letter says nothing of the sort. She absolutely would not concede that the letter was in error in stating that the credit was applied to my account on XXXX/XXXX/2015. 
Noting it was clearly futile to argue the point, it is clear to me that this is an effort to XXXX on the part of Synchrony Bank in anticipating a complaint investigation. I highly resent these tactics, given the time and consternation this has caused me in this matter. A simple " mea culpa '' admission and correcting the matter would suffice. However, to prolong such a matter in this way is despicable. 
I want to make this matter a part of my complaint and keep the record factual. I 'm attaching a copy of the letter for the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I attempted to access my Free Credit Report for Equifax. After completing the information on-line, I was notified that Equifax on-line reporting is not available and I would need to file a request by mail. The form which the website states is in PDF format, is NOT. When I clicked on the icon for the Equifax form, I was prompted to save the form as an " ACTIONFILE ''. Because I do not know what an ACTION FILE is and do not have software to support the file, I was unable to complete the form for Equifax. I do not understand why it is impossible for me to acquire a copy of my credit report from Equifax and why there are so many restrictions to accessing my credit report from this Company? The information on XXXX  is not accurate. There is no PDF format for the form, although the website states the form is PDF. I am a XXXX veteran and this entire process is antiquated and impossible for a person with XXXX XXXX  and XXXX to complete. Equifax is reporting untrue Public Information on me and I am being denied credit as a result. I have been denied access to my Equifax credit report by Equifax and denied access to my Equifax credit report by XXXX  because their on-line process and form to file by mail with Equifax is defunct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. 
XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$93.00} XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX  XXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan through XXXX XXXXXXXX, they have XXXX servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.
Product: Vehicle loan or lease

I am a CO-BORROWER and I am on social security XXXX ... My daughter can not afford to pay the {$480.00} a month on a retail salary. We requested a refinancing loan they do not offer it. But still continuing harassing us to make a full car note. She needs her car to get to work and I am currently helping her with her bills. I requested a longer time to pay to make payments smaller but they are not working with me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type FHA Mortgage I am writing to formally dispute the late payments listed on my credit report for my mortgage account XXXX XXXX XXXX XXXX Account number XXXX. Due to a loss of income and a XXXX, my mortgage was in deferment during the relevant period. I believe that these late payments are inaccurate as my account was not supposed to be reported negatively while in deferment.
Product: Mortgage

On XX/XX/XXXX, I contacted LoanCare and spoke with XXXX to determine why my payment was reporting as late. It was determined that the loan payment had been increased by {$120.00}, which resulted in the payment of {$1100.00} being applied to principle, rather than as a monthly payment. I made the additional payment of {$120.00} and was told the payment of {$1100.00} would be backed off and properly applied. On XX/XX/XXXX, I spoke with XXXX to check the status of the correction, and was advised that it would be 3-4 more days for the payment to be corrected. I called back on XX/XX/XXXX and spoke with XXXX, who escalated the payment correction for a 3rd time, and to call back on Wednesday to make sure the payment was corrected. I called on XX/XX/XXXX, and spoke with XXXX, who then transferred me to a supervisor named XXXX. XXXX promised me that the issue would be rectified by Friday ( XX/XX/XXXX ) and promised a call back. On Monday, I had still not heard from XXXX, so I called back on XX/XX/XXXX and was forced to request a callback, as XXXX was not available, and there were no other supervisors to speak with. I was called back by XXXX ( agent ID : XXXX/ direct phone : XXXX ). XXXX advised at that time that he was unsure why XXXX would have provided me with a timeline of XX/XX/XXXX for issue to be rectified, as it clearly stated the issue would be rectified on XX/XX/XXXX. He guaranteed me that the issue would be rectified by XX/XX/XXXX, and also guaranteed a call back. I called XXXX directly on XX/XX/XXXX, as the issue had not yet been taken care of and I did not hear from him. I left a voicemail and never heard back. I called back on XXXX, as my loan was now reporting as 30 days past due, and spoke with a supervisor named XXXX. XXXX stated it would be another 3 business days for the loan to be rectified, and that the loan had already been reported to the credit bureaus as derogatory. After pleading to have the issue rectified, XXXX stated she was transferring me to another member of management, where I waited on hold for over an hour and eventually had to hang up.
Product: Money transfer, virtual currency, or money service

I am very disappointed and concerned with XXXX XXXX XXXX. My past employer of mine had rolled over my XXXX account to XXXX  due to the amount on my account. I started a new job with a 403b with XXXX and thought it would be a good idea to just roll the XXXX account to my new 403b. I contacted XXXX and they sent out the check so I can send this to my new 403b. I requested in XXXX and I did not get it in the mail ( note i never had issues with my mail as I received notification from XXXX before ). I reached out and they recommended I do a replacement so I did early XXXX. I waited another 7-10 business days for this just to find out when it did not come the second time - someone fraudulently cashed out this check. This is suspicious and confusing how this could have happened. I wish they initially offered a tracking number for the mail sent to me in the beginning of this situation and not make it a guessing game. This is scary and frustrating as I just wanted a simple transfer to my new retirement plan. I have still been in contact with a representative with XXXX, but I have low confidence in this company and I hope this is resolved as soon as possible. The Bank XXXX used was FIFTH THIRD BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraudulent collection and fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX ( XXXX ) did not follow the Office of the Comptroller of the currency regulations ( OCC ). XXXX only stated that the information reported to the credit reporting agencies were accurate. Charging-Off a consumer prematurely without abiding by the OCC rules does not constitute fairness and shows unscrupulous practices. I disagree with the validity of the charge-off. 

I would like to know why weren't the rules of OCC followed and why was my account charged off prematurely. The OCC regulations state that an account can be charged off when any loan has been delinquent for a period of time " or '' deemed uncollectible. Based on my negotiations with BOA representatives, my debt had been reduced approximately {$6000.00} within an 8 month period. I was making payments when the account was charged-off which is proof the account was collectible.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX, the VA XXXX deposits are not reflecting in the balance based on the automated information given by telephone. The, pending deposit date is different. The app and online will provide a deposit date that can not be released, after contacting customer service, but mostly the representatives would advise it is released based on the automated information by telephone. When it finally reflects in the balance, it gives the date that is given by the automated information, which is extremely confusing when expecting a deposit. There are two different dates. I spoke with several supervisors and in bank representatives and its always the same - miscommunication and confusing dates.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breech by Equifax, and I need all negative remarks removed from my report.