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

I sent an copy of evidence of inaccuracy of an account on credit report and credit bureau failed to investigate the evidence that came directly from the furnishers. After calling the bureau they claim that the information is accurate when I took my time and gathered all the evidence to expose the intentional and falsified information being reported by furnisher. They fail to confirm where the information came from. I did not create fraudulent documents to send to the credit bureau and since they have failed their duty to report accurate information and failure to investigate I will get remedy in court. I only want this to be documented by consumer financial bureau to have more exhibits and record of their fraudulent operation.
Product: Mortgage

I had a mortgage with Freedom Mortgage, account # XXXX. On XX/XX/2021 the loan was paid off by my new mortgage company and there is an escrow balance of {$4500.00} due to me. They claim they have mailed it to me but no check has been received. If they have a check issued I want them to put a stop payment on it and issue a new check. Their latest communication is they will do research and will report on their research XX/XX/2021. 

Please help me get my money. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which information has been shared and see if my rights to privacy have been violated.
Product: Mortgage

I funded a loan in XXXX for a property. In that process i took a higher interest rate in lieu of paying the PMI. The servicing was sold in XXXX of this year to Chase ( original lender was XXXX XXXX ). 

in the transition ; the lender paid PMI was lost. Chase is now drawing on MY escrow account to pay the PMI that the lender should be paying. 

It appears that XXXX, though making the payments for me, was not using the typical structure for this methodology. They were taking payment from my main escrow account but off-setting that debit with a monthly credit in the same amount. That credit is no longer being applied. 

In talking to chase ; they are saying that it doesn't exist and i have to pay the PMI. I took a .25 % rate increase to avoid that. I have my escrow disclosures from XXXX and XXXX that match up in amounts to the statements. those statement amounts do NOT include the PMI ; just the monies for the taxes and insurance. I would like assistance in getting this resolved wherever the error lies. 

Looking at the docs ; you can see the amounts in the escrow disclosure match the amounts of the escrow in the statement. those amounts do NOT include the PMI because i never paid it. there is also a ledger of the account you can see where the credit was applied. that credit to offset was NOT paid by me. not sure how it was done in the prior lender but it was NOT paid by me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepanties, 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 CFPB 's 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

My vehicle was repossessed and redeemed/reinstated days later, along with damages and missing items. However, Mercedes-Benz has reported to the reporting agencies that the account is closed. The improper reporting has created a hardship in my livelihood making it difficult to establish credit with other businesses. In addition there are clauses in contracts stating in the event that a consumer defaults they will be compensated. This company is trying to double down and still collect on a closed account which is illegal. If they have filed an insurance claim reporting losses, my account should be at a XXXX balance. Furthermore I have opted out of consumer sharing and did not consent to the sharing of my information to the credit reporting agencies. Please remove any negative information from my credit profile.
Product: Credit card or prepaid card

I have automatic payments with the credit card company Destiny Mastercard @ XXXX a month in this month they have taken out XXXX payments which is not specified in my auto pay XX/XX/XXXX {$40.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$40.00}
Product: Debt collection

I currently owe a small debt ( {$400.00} ) to XXXX XXXX XXXX. 

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.
Product: Student loan

XXXX XXXX, ( Navient ) told me on the phone that we qualified for a reduced interest repayment of 0.01 %. I 've been making monthly payments of {$140.00} for almost 2 yrs but my principal balance continues to go up. They have promised to send me details of the program in writing on several occasions but never did. I just found out on a blog site that you have to renew every year or your loan reverts to the original interest rate. They never told me that! My original loan was {$36000.00}. After paying anywhere from {$100.00} to {$600.00} per month for 10 years, my balance is now {$56000.00}. I 'm trying to work with them but I ca n't believe anything they promise over the phone. 
XXXX XXXX Co-signer XXXX XXXX XXXX school 2007 graduate
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX XXXX : {$210.00} Due to the inaccurate information this account posts on my credit file, it has been contested. How many times do I need to mention that the payment history on this account is false? I never missed a payment when using this account. My own payment records have been kept, and what they display differs from what I have. Please update the payment history for this account by deleting the late payments from the payment records. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$450.00} In my credit report, this charge-off account is showing an incorrect balance. Why does this account continue to show with {$450.00} as balance although this account was previously a charge off? Charge off accounts should always report balance as XXXX. I've been attempting to update this inaccurate information, but you have not taken any action. I need this account to be deleted as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} I don't recall ever having a customer account with this business. Despite my repeated requests, you have not supplied me any copies of your ownership documentation. Once more, kindly provide me copies of any documents with my signature on them attesting to my ownership of this account or serving as proof of verification. If such documentation are not forthcoming, the account should be immediately closed. 

XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019 I think that XXXX be a violation of the Fair Credit Reporting Act, so please examine the docket number and kind of public record. Because it violates the Fair Credit Reporting Act, kindly erase this public record. 

XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 I want you to check the docket number and the category of public record because I believe it violates the Fair Credit Reporting Act. Due to a Fair Credit Reporting Act violation, kindly erase this public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen. They have ruined my life. These fraudulent accounts are causing me a lot of emotional distress. Please investigate these accounts and remove them from my credit profile.
Product: Debt collection

XXXX called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. XXXX XXXX XXXX ext. XXXX. I called XXXX XXXX back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for {$2800.00} from an old credit card that I had disputed since XX/XX/XXXX. She offered to settle with me for {$2100.00}. She was going to send me an email with the offer and then I asked her to validate the debt and she said sure thing but I must respond by XXXX today or the deal off of the table and I would be served. It is XXXX on XX/XX/XXXX and I have not received an email. She also stated that they sent me a letter 6 weeks ago offering me a deal to pay off the bad debt. I never received the letter and asked why she did n't send it certified and she said they do not do that. When I spoke to XXXX she did n't tell me what company she was with nor did she give me an address. What bothers me the most is that she called my place of employment. She asked my assistant what the procedures were at my place of employment so they could serve me papers and of course now my assistant believes I must be in some sort of civil or criminal trouble.
Product: Debt collection

I have send numerous letters requesting verification of the debt I have in question. They have not provide any information regarding the debt. They also change the open date of the debt to more current.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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.I want the CFPB to publish
Product: Checking or savings account

This is a further complaint regarding the previously sent, but currently open CFPB complaint I sent to Bank of America, CFPB complaint ID XXXX. This is regarding the XXXX Bank of America case ID of XXXX, and account ending in XXXX. 

XXXX XXXX from Bank of America called me on XX/XX/year> and left a voicemail saying to call him back at XXXX extension XXXX. However, the automated service at that XXXX number does not accept any keypress inputs to connect to that extension when calling that number, nor does it accept voice inputs to get to XXXX XXXX extension. So I can not call him back. Anyone is free to try dialing that XXXX number and attempt to connect to that extension to verify this. This situation is suspicious for Bank of America not actually wanting to talk to anyone about complaints by making it difficult/impossible for people to contact them. 

Furthermore, I received an email from Bank of America on XX/XX/year> instructing me to fill out a PDF Fraud Statement where it requests that I not only provide my government-issued ID numbers, but send in copies of those IDs, and also proof of residency such as a utility bill. I do not have any legitimate accounts with Bank of America, so I do not want to provide additional sensitive information that will be stolen when there is a data breach at Bank of America. I have already provided Bank of America over the phone during my initial call with my name, social security number, physical address, phone, and email. Bank of America should require the account holder of the fraudulent account to provide their government-issued ID and proof of residency for verification, not me. The account holder is the one that wants to use Bank of Americas services, not me.

This is further evidence that Bank of America does not care about these fraudulent accounts, and just wants to keep them open for the sake of increasing their numbers purely for financial gain, at the expense of not only harming my personal financial record, but also harming the greater good due to the serious federal crimes that are potentially being committed using these fraudulent Bank of America accounts such as money laundering.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802. 

U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed. 
U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported. 
U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. 

The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I'm getting different amounts of car payment left and made to Ally 2 different managers from XXXX when spoke to manager he said was only 2 payments remaining XXXX XXXX when spoke to the manager today she's 3 payments remaining they keep adding payments at the end of this loan Ally has given me the round of round for months shameful
Product: Debt collection

I checked my credit report and noticed that a collection is on there and is hinder my ability to have a healthy credit score. This is not a debt I owe, and my rights says that it has to be removed off of my credit report. Thank you!

Company : Credence Resource Mana Amount : {$550.00} Account # : XXXX
Product: Credit card or prepaid card

I opened an account with US Bank XX/XX/2021. For the second time now, I have had problems with their reports to the 3 major credit bureaus. 

For example, XX/XX/2021, I paid out this account. I had no payment due at the time. But, I paid out the account because I had problems with their reporting just the month before where I paid on my account before the due date ( even then I had no payment due ). The report to the credit bureaus then indicated I had made no payment on the account, but that I had paid on time. 

So, XX/XX/2021, again, I had no payment due because of previous payments. On that date, I paid out the entire balance on this account 4 days before the payment due date of XX/XX/2021 ; and, 7 days before the statement closing date, XX/XX/2021. On today, XX/XX/2021 I received a notice from XXXX  Credit Bureau that I had an increased balance on one of my accounts ; it was US Bank again. According to XXXX, the report was issued to them today, XX/XX/2021. 

For this account, my payment due date is the XXXX of each month. The statement closing date is the XXXX. But, this bank reported my " balance as of XX/XX/XXXX '', which just happen to be the day I made the pay out payment. My receipt indicates the payment date of XX/XX/XXXX. 

It would seem this bank is reporting false information and actually closing out statements before the statement closeout dates in order to charge interest they would otherwise not receive! 

Please investigate their practice of credit reporting, payment due dates and statement closing dates. 

Thank you. 

PS. I have tried to copy and paste a copy of my credit report referring to this account, but couldn't get a clear picture. But, I have attached a copy of my most up to date, but redacted, account summary from US Bank and a copy of that payment receipt. 

If you need a copy of my XXXX  report to investigate this matter, please let me know. I'll call XXXX  to determine how to make a legible copy. 

Thank you again.
Product: Money transfer, virtual currency, or money service

I was asked to send my email address to receive tickets to an event and upon receiving the tickets I would send payment. However payment was taken from my account via XXXX and my bank will not reimburse me for the stolen money.
Product: Student loan

I have XXXX private student loans with Navient ( Formerly XXXX XXXX ). I 'm just a month behind with my payments, however they have continuously called me daily. Normally, it 's 1 or 2 calls a day which I understand. Today ( XXXX/XXXX/15 ), I have been called 5 times from ( XXXX ) XXXX. This constitutes harassment by a collector. The call times are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

I am cosigner on daughter 's loan. Chrysler Capital collection department is contacting me because they will not accept her last payment via autopay. Her pay off amount is {$3.00} different than her standard monthly payment. She is out of reach right now, and if she does not submit a manual payment, this loan will be put into default. When we sign for automated payment with Chrysler Capital, we expect *all payments* to be made automatically. This is how it works with all other car loans about which I'm familiar. This is a credit trap and it will impact both of our perfect credit standings.
Product: Debt collection

SOURCE RECEIVABLES MNG XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. 
The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. This account was already Disputed with XXXX XXXX and XXXX on XX/XX/2017 SOURCE RECEIVABLES MNG XXXX
Product: Mortgage

I called the company the XXXX of XXXX and told them I wanted to pay off my loan. I could only get a pay off by snail mail or fax. I do not own a fax. After a week, no mail. I have never received a pay-off by mail. I called on the XXXX and on the XXXX I got a payoff by email. It had an amount and half of a page empty. It had a second page I did not open. 
I sent the {$49000.00}. It was cashed on the XXXX of XXXX. XXXX weeks later I got an email to get in touch with them. I did not send the money to the address on the XXXX page. They said they would return the money. I have been in contact with them, they said the check went out on the XXXX. Today I called again ( XXXX of XXXX ) was told the same thing. I do not have the check. They also told me I should expect it by the XXXX. " Why that long '' I asked, and was told that was on the post office. This is not true. I mail things all over the XXXX, it takes 2-3 days. By the XXXX my mortgage payment will be late incurring fees. My Loan # XXXX with Specialized Loan Servicing. My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX, covington XXXX My email is XXXX. 
I have sent numerous email request to them with no answer. Every time I call I am put on hold for 5 minutes numerous times. They have not helped me.
Product: Debt collection

I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX
Product: Debt collection

received a letter on XX/XX/2021 stating I have XXXX debt of {$1400.00} issuing company and addresses listed on letter : JEFFERSON CARITAL SYSEMS, LLC Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX also XXXX XXXX  XXXX XXXX, NC XXXX also XXXX XXXX XXXX, XXXX XXXX, MN XXXX Website : XXXX Phone : XXXX the only action I took was filing this complaint