23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Our tax return for the tax year of 2015 was taken by the IRS and given to Navient because we were deliquent on our student loan. The total amount taken was about XXXX. But no where in our records with our student loan does it show that the money was actually applied to our loan. In fact, after they took the XXXX, our loan was XXXX bigger then before. We can not find out where this money went. It appears that it was stolen by someone at Navient because there is no record of it being applied towards the student loan. The IRS states that that is where it was sent. In light of what is now going on with the investigation into Navient, we really could use some help to find out what happened to that money.
Product: Credit reporting or other personal consumer reports

Im writing to urgently address a fraudulent inquiry on my credit report. This inquiry was made online without my knowledge or consent, and its incredibly frustrating to see it affecting my credit. I take my financial security seriously, and Im deeply concerned about this unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forb XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Mortgage company doesn't want to issue me refund of overpayment of approx {$1100.00} for property taxes collected during tax year XXXX. I called bank four times & spoke with 4 representaives on XX/XX/XXXX & they all gave me the run around.
Product: Money transfer, virtual currency, or money service

Sent a Zelle payment which I sent the wrong payment and it was wrong by XXXX number they denied my claims because they said they arent able to retrieve the money back from the wrong person so Im out XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the XXXX XXXX XXXX closed my credit card account, and reopened the account after my request. After the account be reopened the bank never corrected the information that the account is closed by the credit guarantor. As of today, XX/XX/XXXX, the credit agencies, XXXX, XXXX and Transunion keep the information that the account is closed at the request of the credit guarantor and since XX/XX/XXXX, the XXXXXXXX XXXX XXXX  no longer updates my report of credit. After opening a dispute with the 3 main agencies ( Transunion, XXXX and XXXX  ) the closed account information was left unchanged because the XXXX XXXXXXXX XXXX  stated is accurate.
Product: Mortgage

my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i applied for pre-approval for a car loan with XXXX Bank on https : XXXX website, XXXX XXXX took it upon themselves to also run a credit report on my social security number and they passed my information on to Ford Motor Credit to run a report that was not authorized. I do not understand how authorizing one loan company run a credit check would give a used car sales lot the authority to run my information as much as they wish without permission
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX 72 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$200.00} {$140.00} {$340.00} - XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an international wire transfer amount of {$3300.00} plus a {$25.00} was taken by Navy Federal Credit Union. They said there was a problem with the recipients address. Keep in mind this is the third time I am sending a wire to the same recipient. I was told the wire could not be sent because of the address. I askes to cancel the transaction and have the money refunded to my account. I was told three business days. I allowed 7 business days. The funds were still not returned. I call Navy Federal they told me they can't do anything, Its up to XXXX XXXX to return the money if the feel like returning it. So they tell me I might not get my money back with no explanation of why the money is being hijacked or just taken.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB 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 covering loss funds was impossible and 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: Vehicle loan or lease

On XX/XX/XXXX my husband and I were in an auto accident and my XXXX XXXX XXXX, which was financed by Ally, was totaled. Although I bought a new vehicle about 3 weeks later, I paid my XX/XX/XXXX payment on my totaled car because my insurance company and the gap insurance company were still settling. In the middle of XXXX, I called the Total loss department at Ally and asked for a breakdown of what was being paid. I was given the payoff amount of my car, the total amount my insurance company and the gap insurance company were paying and the amount of credits for the refund of the gap insurance premium. It all totaled to XXXX. Three months went by and out of the blue I get a letter from Ally saying that I owed them {$1400.00}. I have called them 6 times asking for an itemization of why I owed this amount and why it took them 3 months after all the insurance companies paid to let me know I still owed money. They keep telling me they will escalate my issue to a supervisor and have them call me back. I had a supervisor call me back one time and she said that she was escalating it to upper management. No one is calling me back and explaining why I was told I had a XXXX balance in XX/XX/XXXXand then 3 months later I owe them money. I had gap insurance, I was told I had a XXXX balance in XX/XX/XXXX. Why do they keep ignoring me?
Product: Consumer Loan

I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.
Product: Credit card or prepaid card

During a visit to the TJ Max store located in XXXX, DE, I applied for a TJX Rewards Platinum Mastercard. A few weeks later the card arrived in the mail. I called the customer service number to activate the card. However, the 3 digit security code was very small and at XXXX XXXX XXXX XXXX, my eye sight isn't what it used to be. The customer servicer rep became very agitated and told me they couldn't activate the card. A supervisor got on the phone and began implying that I was a fraudster. I immediately cut-up the card. 

Afterwards I started receiving bills. The 1st one for {$60.00}, then {$100.00}, and finally, I recently received one for {$120.00} on XX/XX/23. I have never used this card! I have called multiple times to speak to them and ask them what was the charge for that they are sending me bills? Do they not have an obligation to describe the item they claim you purchased and owe them money? 

On of my calls to customer service, I was advised that they would report a fraudulent charge. My most recent attempt to obtain information about why they continue to send me a bill which keeps increasing took place XX/XX/23. I was on the phone for almost 2 hours. They kept transferring me to multiple individuals who made me wait several minutes before transferring me to another person. Finally, after requiring me to take selfie pictures of myself to prove I was the account holder, they simply said they were not able to tell me any information about why I had an account balance. It seems obvious to me now that this company has no idea how the charges accrued to the account and are themselves committing fraud and elder financial exploitation. 



I ask that these charges be immediately reversed, the account permanently closed, and any credit card delinquency reporting be immediately rescinded.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING XXXX SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/2019 I purchased a set of tires from XXXX in XXXX XXXX, WA. for approximately {$650.00} dollars, and they set me up through West Creek Financial as the only option of making monthly payments on the tires. When I made the purchase, I was not made aware nor was I given paperwork that the payment must be completed in 100 days, and XX/XX/XXXX still does not have paperwork to back this. West Creek Financial also never notified me by mail or email at any point during this period of time about this 100 days to pay the debt. 

When I realized I was being charged beyond my initial purchase amount, I called West Creek Financial and they told me my balance is over {$1500.00}. West Creek Financial was not able to explain these terms to me over the phone, and XXXX could not explain it in person when I re-visited them to fix the issue. So my debt was more than doubled and this is something I was not notified of by anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for an apartment and a report came back that i have an eviction on my record. I have lived in the same complex for 2 years and have not been evicted.
Product: Debt collection

As a debt collector, LVNV FUNDING LLC are governed under the Fair Debt Collection Practices Act ( 15 USC 1692 ) with no exemption! It is a violation under the Act to acquire my nonpublic personal information from a 3rd party source and willfully contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ). With the intent to provide me false and misleading information stating I owe any such alleged debt, not only do I REFUSE TO PAY SUCH ALLEGED DEBT but Im also demanding LVNV FUNDING LLC to cease and desist communication through ALL MEDIUMS in reference to this alleged debt with me and ANY OTHER person pursuant to 15 USC 1692c ( c ). LVNV FUNDING LLC willful deceptive practices used evidence noncompliance under the Fair Debt Collection Practices Act ( 15 USC 1692for which the court may allow damages of {$1000.00} per provision identified that failed to be complied with pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). Understanding that LVNV FUNDING LLC have no legally enforceable contract in place that could be enforced under a court of law, LVNV FUNDING LLC is now subject to lawsuit for violating my consumer rights under the Act since LVNV FUNDING LLC decided to infringe on privacy and harass me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE FOLLOWING ACCOUNTS that are still reporting on my account : LATE.CLOSED AM XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX
Product: Checking or savings account

I applied for a Silver Business checking account on XX/XX/2024. My application went pending the day that I applied. I never heard back from US Bank for over a week. I called them and they told me that my application was denied because of " a negative balance and/or an outstanding balance owed on a previously closed U.S. Bank account ( s ). '' I have only have XXXX personal US Bank account and it has never been closed. I have never closed a US Bank account. 

I asked for the reason that my application was denied and they would not give me an answer. I want to know why my application was denied.
Product: Mortgage

PHH purchased my mortgage each month I do not get statements ; I am unable to view any acct info online and their customer Svs dept always says the system is updating or down.. I need an actual company that services the loan Instead of some fly by night company that does not know what they are doing. 

My loan number is XXXX My name is XXXX XXXX I want a statement and I want to see my payments credited to my account.
Product: Checking or savings account

CD account missing from the drop-down account selection in the Letters and Notices screen still has not been fixed by the bank. I had a CD matured on XX/XX/2021. I called on XX/XX/2021 to renew the CD and change the term from a 4-month CD to a 5-month CD. Prior to the renewal, I was able to access the letters regarding this CD in the Letters and Notices screen. See the first attachment. After the renewal, this CD is no longer in the account selection drop-down list in the Letters and Notices screen. See the second attachment. Hence, even the bank sent me an e-mail notifying a renewal letter is there, I was not able to access this letter. The bank did not mail me a hard copy of the renewal letter neither. I called on XX/XX/2021 and talked to an online technical support staff. I screen shot the online account selection drop-down list and e-mailed him the screen shot. He told me he has received the e-mail and would write-up a ticket about this issue. He told me someone would call me within 24-48 hours and provide me a ticket number and an update on the issue. I never received a call back. I called again on XX/XX/2021 and talked to an online technical support supervisor, XXXX. He said that he could not find any record on this issue and asked me to e-mail him the screen shot. I did. He too told me someone would call me in 24-48 hours and provide me an update. Again, I never received a call back. I called again on XX/XX/2021. This time the person I talked to told me he found a ticket but he could not tell me the ticket number. He said only the person who wrote that ticket can tell me the ticket number and an update on the issue. Therefore, this issue goes nowhere.
Product: Student loan

The account that shows a balance of XXXX is not my account. My loans are never XXXX. Fraudulent please remove.
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX  ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting or other personal consumer reports

My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with XXXX XXXX XXXX reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.