23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 I entered a customer assistance program that would close my account and allow me to make payments of XXXX for 60 months. 

I accepted this agreement because my monthly income has been inconsistent and I wanted to keep my credit score as high as possible. 

From my understanding of the customer assistance program, I would pay the XXXX by the due date or within the 30 days of the due date as with the normal credit card payment to prevent any late payments being reported on my credit report. 

My first payment of XXXX was paid on XX/XX/XXXX and I was planning on paying the XXXX payment this week. 

Syncrhony bank just reported 30 days late again which is not even possible if my payment was due on XX/XX/XXXX. 

I am trying so hard to improve my credit score and was looking forward to the customer assistance program being a part of that. 

What is the point of a customer assistance program if they keep reporting my account as late? That seems very misleading and improper. That is of no assistance and I would not have entered the program had I known my payments would continue to show as late.
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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering losts funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also, allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is very unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I was injured at work and had to go to the hospital due to a head injury. I told the employee that it was a workers compensation case. My boss also told me this would be covered. All of a sudden, I have a $ XXXX bill in collections. I am not entitled to paying that money. It was the company 's responsibility XXXX XXXX is the company name ) I've tried disputing twice and nothing changes. The collection center is Medical Data Systems Inc located in XXXX XXXX, Florida. If you look at thier reviews on XXXX, they are all similar cases a fraudulent activity and " screwing over '' their consumers.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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>
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notic i had fraudlent accounts on my report. pleaes remove these account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am requesting help to get inaccurate information reported on my credit file regarding the XXXX XXXX account XXXX  [ XXXX ]. Upon reviewing my credit report, I noticed significant discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and request immediate correction or deletion of this account. Transunion only sent a stall letter stating they couldn't identify me even though I sent my ID, SS card, a copy of a recent statement with my address on it and a signed letter. 

Inaccuracies Noted : XXXX. Date Inconsistencies : The account reflects a high balance and credit limit history from XX/XX/XXXX to XX/XX/XXXX, despite being charged off in XXXX and closed in XXXX. If the account was closed, there should be no activity reported in XXXX. 
XXXX. Illegal Re-Aging of Debt : The Date Updated shows XX/XX/XXXX, which falsely extends the reporting period. Per FCRA 605 ( c ), derogatory accounts should only remain for 7 years from the original delinquency date. If the charge-off was in XXXX, this account should be scheduled for removal by XXXX, and any re-aging attempt is unlawful. 
XXXX. Inconsistent Payment History : The payment history incorrectly shows OK ratings in XXXX, after the account was already in charge-off status, which is misleading and violates FCRA 1681s-2 requiring accurate reporting. 
Request for Action : I request that you investigate this matter and take XXXX of the following corrective actions : Remove the inaccurate information and delete the account from my credit report. 
Provide verified proof from XXXX XXXX confirming the accuracy of the dates and reporting. 
Under FCRA 611, you are required to complete this investigation within 30 days. If you fail to provide proper verification, you must delete the disputed account from my report. 
Please respond in writing to confirm the results of your investigation. I have attached a copy of the account from my credit report highlighting the errors for reference. If this matter is not resolved satisfactorily, I am prepared to escalate the dispute to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SS : XXXX Attachment : Credit Report Highlighting Errors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and Experian and XXXX are still reporting the account. Since my last complaint to XXXX they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.
Product: Credit reporting or other personal consumer reports

I applied for an apartment and was promised a lease. Several weeks went by and no lease was produced. I was told that the company was " busy ''. I later received a letter stating I owed them money. I asked for proof of service to no avail. I received a letter from a collection agency that stated I had the right to appeal, which I did. I never heard back from them, however, I received a negative charge on my credit.
Product: Mortgage

This complaint is a regards to pennymac. I just want to make sure everything is being complied the right way. On Friday XX/XX/XXXX phone call was made to penny Mac. Advising them that I was approved for the homeowner assistance fund HAF. I only contacted them, knowing a lot of complaints I heard with people who does have the penny Mac mortgage and who was approved for the fun what trouble they was experiencing. So I just wanted all the information to be noted in the account. So once I got myself verified I had my husband speak on my behalf. The representative gave my husband a hard time period stating that they don't believe that I got approve for this fund. Discouraging my husband and me, that they said the state don't depend on the state by sending any funds over. Is that they not reliable. That we still must continue making our payments regardless. The rep No compassional empathy on the situation. Acting like I wasn't gon na get this fund. That is a long process and I might not get approved for this fund. It was explained to her from the start, that we already got the award letter and got approved. That they was paying past and future payments. I just wanted her to put in a notes, when they get the XXXX  the money from the fund That it gets applied to the payments and not the Principal. The rep said that can not be done. It was told that if it goes to the principal we have to see if it gets approved to move its to payments. That I found was ridiculous. If this post was pay all the payments back and post the pay my future payments for the next 6 months why can't it be apply to my payments. I only filed this complaint due to what the representative has stated. It made it seem like they are not gon na comply and put the money towards the payments.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a new Kia XXXX XXXX from XXXX Kia in XXXX, FL. I paid off the loan balance on XX/XX/XXXX. Kia posted a letter to the client portal stating that the loan was paid on XX/XX/XXXX. They did not send me the title, or any notification that there was a problem. On XX/XX/XXXX I called Kia Finance America to ask why I did not yet have my title. They told me that there were XXXX XXXX taxes due in GA. 

I had lived in GA for 2 months in XXXX and attempted to register the car in XXXX GA XXXX about {$2000.00} in XXXX XXXXXXXX XXXX in order to register in the state. I paid XXXX with a promise to pay the other half within 6 months. Since I moved back to FL within the 6 months, I forfeited my registration and went back to my FL registration. 

On XX/XX/XXXX I called the tax department in XXXX XXXX, GA where I lived for that short period of time. GA informed me that they held a lien against the car and I would have to pay about {$1400.00} in taxes, penalties and interest. I immediately paid via credit card over the phone. I posted the receipt from XXXX XXXX to the Kia Finance portal immediately. 

On XX/XX/XXXX I called Kia expecting to hear they sent a release to FL for my title. Kia told me they would submit an electronic release to FL, and that I could get my title within XXXX business days. I waited 5 days and went to XXXX XXXX to have my title printed. XXXX XXXX told me that the title was printed and transferred to GA. I did not request or initiate this transfer. 

I have called Kia and they will not admit they transferred the title and told me that no request was ever made to GA. Each time I call Kia Finance to ask where we stand, they have told me a request was submitted to GA and after XXXX business days I could go to GA to get my title. Ive made 4 such attempts to no avail. 

Finally a clerk in GA told me they received an electronic release for a paper title. They told me that if I bring an original tile lien release with a signature and/or stamp, they would give my title. I immediately called Kia to request this letter. I called Kia on XX/XX/XXXX and again on XX/XX/XXXX to check on progress and was assured either a letter was being sent to me or a release was sent to GA and I should check back after XX/XX/XXXX. 

Nothing was ever sent to me or to GA. I have called Kia several times since XX/XX/XXXX to see if they would please just send me the letter GA says they need. My last call with Kia told me that possibly I will get the FL corrected title during the week of XX/XX/XXXX. 

I gave my car on XX/XX/XXXX to my adult daughter in TN with a promise to send her the title as soon as I get it. When I paid off the loan on XX/XX/XXXX, I would have expected the title soon thereafter. Now, each time I call Kia they extend the final date for receipt. I dont know where else to turn for help. Please help.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then all these inquirires which are not mine never requested any services from those creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase Bank sent me a letter responding to my previous dispute of eight transactions totaling {$15000.00} in fraudulent charges on my credit accounts. The letter does not address any of the points I made in my complaint dated XX/XX/XXXX. Both letters are attached. 

The letter claims that on XX/XX/XXXX, I told an employee of Chase Bank that these charges " were valid but [ I ] wanted to dispute them. '' This is in no way accurate, as I have never indicated that these charges are or could possibly be valid ( as I mentioned in my original complaint to Chase ). 

The letter also states that signed receipts and sales slips from the merchant were made available to me by Chase in a letter dated XX/XX/XXXX, but in fact, this letter includes receipts for only two of the eight transactions that I am disputing. I was not able to access this letter until two months after it was posted, as all of the several Chase employees I had spoken to by phone indicated that I should expect to receive a response to my complaint via USPS, and none of them mentioned that I should look for a response on the companys website. In XX/XX/XXXX an employee finally informed me that this document was available online ; I reviewed the document, and on XX/XX/XXXX I provided additional documentation. In their letter dated XX/XX/XXXX, Chase Bank reports that they closed the disputes because I did not respond when they reached out for more information via the secure portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I previously stated, no one at Chase Bank had made me aware that there had been any response or any request for additional information until XX/XX/XXXX. 

Additionally, in their response to my previous CFPB complaint, Chase states, We attempted to reach you by phone on XX/XX/XXXX, at XXXX, to acknowledge receipt of your inquiry. The phone number was disconnected. This is completely false. Please see attached statements from my cell phone provider proving active and current service from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an email on XX/XX/22 stating that I applied for a installment/payday loan with Netcredit.com. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XX/XX/22. I received an email today XX/XX/22, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.
Product: Checking or savings account

I am so upset with Chase Bank and regret opening an account with them. I was approved for the SBA EIDL Loan, and went through underwriting process, SBA determined my eligibility and qualification as an XXXX 1099 XXXX, and approved me for the loan and deposited into my personal checking account. As an XXXX XXXX XXXX  XXXX earning 1099, I do not have to have an EIN number to be qualified for EIDL program. Chase is mandating to show an EIN verification form in order to release my funds. Chase did not approve me for this loan, Nor are they the issuer of the EIDL loan program, to determine eligibility or even set their own requirements. They can not mandate me to have an EIN number to be qualified for this loan, when it is not the requirement of SBA EIDL eligibility and qualification, 1099 individuals are also quailed for this loan, and they can not freeze my funds. Chase is only the bank holding my funds, but they do not determine or qualify individuals for EIDL nor can they set forth their own requirements for this loan. If they do not accept any ACH wires from the SBA they should have rejected the funds and not accepted them, and I would've just used a different banking institution that accepts EIDL funds in personal checking accounts. I can not open a business account without an EIN number, and as a XXXX XXXX   1099 XXXX, im not obligated or required to have an EIN. and I am repeating again SBA accepts 1099 XXXX for the EIDL loan. I tried resolving with chase, and they refuse to listen, they have the worst customer service representatives who don't even listen to you when your talking, they are like trained robots, who only say what's written in front of them. I have requested for chase to send back the funds to SBA, they are refusing the send back the funds, I have contacted SBA to recall back the funds, but they said they do not recall back the loan once the funds are deposited. So now the money is stuck In that account with chase, refusing to send it back, and I am liable to to pay back this loan, when I didn't even receive the funds. PLEASE HELP!!!!
Product: Credit card or prepaid card

I have been a loyal customer of Citibank for 30 years, but have somehow been caught up in a faulty security processing loop. Citibank has locked my card, refuses to complete my identity verification, continues to charge me fees for the card. In the end, I only wish to re-establish service, but there appears to be no means for accomplishing this. Escalation to managers only results in more physical letters dispatched to my mailing address, none of which apparently contain the requisite information that would allow unlocking of my account.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan in XXXX and was approved for {$200.00} through XXXX XXXX XXXX. I have since made 14 payments totaling over {$550.00}. The original principal had been paid back plus several hundreds in interest yet they still deduct the payments from my bank account twice a week. I was not aware payday loans are illegal in the state of Pa and I have gotten 2 more trying to pay the original one off and I am financially unable to keep making payments.
Product: Student loan

Filled for Bankruptcy XXXX/2016 All student loans removed under XXXX XXXX  and switched to navient.
Being charged up to XXXX in interest per 9 loans.
Denied for repayment plans.
XXXX XXXX and XXXX College obtained loans under false pretenses.
I have contacted navient/XXXX XXXX/ XXXX XXXX/ and XXXX College without success.
Product: Mortgage

I filed a previous complaint Case number : XXXX related to NationStar Mortgage posting hard copy unauthorized credit inquiries on XX/XX/XXXX that to date still have not been removed. I filed a Dispute to their letter dated XX/XX/XXXX that was very dishonest in the way it was written with a story line made for a XXXX sitcom. To date XX/XX/XXXX the unauthorized credit inquiries still remain on my wife 's and my credit report.
Product: Mortgage

Years ago I had several accounts with Chase bank, including a HELOC. I was dissatisfied with Chase, so I changed banks. All of my Chase accounts were in good standing, and there were no outstanding balances of any kind. Chase did not notify me of any outstanding items. This week I applied with my present bank to increase my HELOC. They replied they would do so, except I first had to ask Chase to remove a lien from my file. I was previously unaware of the lien. Chase has never contacted me about it. I belive my balance is zero. I believe the lien is on file due to Chase 's negligence. I contacted Chase and asked to have it removed. Chase has not replied.
Product: Debt collection

I called the company regarding to debt and inform them This was not me the manager didnt want to cancel the debt so now Im force to have this on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to remove 3 collections from my credit report with no luck. The accounts are Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on XXXX.

2 ) All ( 24 hard inquiries ) on XXXX  3 ) All hard inquiries on Experian
Product: Credit reporting or other personal consumer reports

ERRONEOUS AND INACCURACIES ARE BEING REPORTED ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a delinquent notice regarding my XX/XX/2020 mortgage payment. I initiated my mortgage payment on XX/XX/2020 in the amount of {$3400.00} which was debited from my bank account on that day ( see screenshot ). I spoke to XXXX ( emp # XXXX ) and he reviewed my account and also advise the XXXX payment has not posted. I have attached my bank statement as evidence that my mortgage was paid on time. I ask that you adjust my account and your credit bureau reporting according. I am currently in the middle of refinancing my home and the estimated closing was suppose to be XX/XX/XXXX which means this has to be resolved with haste. 

Proof has been provided to our lender ( Cornerstone Home Lending ) which included the applicable bank statement showing the payment was deducted from out account on XX/XX/2020 as well as a letter from XXXX XXXX  confirming the payment was sent to the lender. We submitted a formal dispute on XX/XX/2020 and was told the XXXX would be 12 business days. We still have yet to receive a decision regarding our dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX    XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

I am writing to challenge the presence of a fraudulent account currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this account remains on my credit report. After contacting the creditor linked to this account, they acknowledged its fraudulent nature. Consequently, the account has been removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to substantiate my claim. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 Balance : {$380000.00}