23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In around XX/XX/XXXX, I had an issue with Mr.Cooper regarding my escrow account. Long story short, Mr.Cooper provided a letter confirming that they had a system issue that removed several taxes from my escrow. I was then backed up on taxes because of it and I was getting lettters from attorneys of posible foreclosure and lien on the house. After months of communications, the only solution that Mr. Cooper provided was that they were able to add the taxes back. However, the months I was backed up because of their error had to be added to my mortgage. Fast forward to XXXX and I am now having issues paying the extra {$300.00} because of hours being cut due to the corona virus and us losing hours at work. I would like for Mr. Cooper to pay for their errors and pay the remaining balance thats owed on the backed up escrow amount due to it being an error on their end.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Bank account or service

My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I sent a payment to Bank of America for my monthly payment in error on XX/XX/2023. It was meant for XXXXXXXX XXXX I realized this on XX/XX/2023 and inquired how I could get my money back since I always have a XXXX balance on that card. I was told my options were as follows : 1. Visit a branch office and do a cash advance and pay {$110.00} to borrow my own money since I have a {$3500.00} credit balance. I am not borrowing their money.

2. They would transfer the money back to my bank that sent the payment within 10 business days. 

I have yet to receive the transferred amount back in my checking account and the balance on the BOA card went to {$0.00} on XX/XX/2023. 

I called and spoke to a manager that told me they do not have my money and that they can keep it for 30 business days which has now expired.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

JPMCB CARD XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Student loan

Dates : XXXX and XXXX. Amounts : {$80000.00}. On XX/XX/XXXX the XXXX University borrowers sent the Department of Education XXXX XXXX XXXX  XXXX XXXX, XXXX Lies : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by XXXX borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, Project on Predatory Lending, Student Borrower Protection Center, Debt Collective, and XXXX XXXX students, faculty and staff collectively recommends the broad cancellation of all XXXX XXXX  loans. 
I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally cause I was a victim of XXXX data breach .i want these remove immediate im attaching proof that XXXX has admitted that I was a victim and XXXX  has done nothing please help me delete these negative account from my credit report XXXX XXXX All hard inquiries
Product: Credit card or prepaid card

On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card. 

According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card. 

I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, XXXX, and Equifax. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.
Product: Debt collection

A year ago a debt collector put an account that belonged to my father with the same name as me on my report I had it resolved by sending in all info they needed with his SS # number to have it removed. Now a year later another company has the debt and contracted me on the matter. I disputed the false information with them and ask for a debt validation on XX/XX/22 which they failed to do so. I contacted XXXX again about this debt and verified it was my fathers with his SS # on it. I called up the debt company and they told me its my SS # on it but wont show any documents to back it up and refuse to validate the debt. Now my credit has went down a lot over this matter.
Product: Debt collection

To Whom it May Concern, I am writing this letter in regards to a collection that is on my credit report. It seem that this collection account is being passed around and I have submitted several letters to resolve this issue. 

The creditor is SOUTHWEST CREDIT SYSTEMS, L.P. for XXXX XXXXXXXX XXXX. I don't own and have never had an account with this company. I am asking for this account to be removed from my account. I have filed an report with the FTC about this report and they have listed it as a fraud on my account. This was placed on my XXXX report on XX/XX/2018. Please see attach fraud document. I have sent this information to the credit bureau also.
Product: Vehicle loan or lease

BMW Financial Services charged me late fees for my monthly payments. I paid all the monthly payments and late fees. The late fees were paid afterwards but still NOT over 30 days late. However, BMW still went on to report it as a late payment to XXXX, even though ALL car payments were on time. 

This is drastically hurting my credit which I work so hard to upkeep. Why would I pay over XXXX per month in car payments, and even extend one extra month, and delay XXXX dollar late fees? 

Makes no sense. 

Any help would be greatly appreciated. 

Best, XXXX
Product: Debt collection

this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00}  Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be  mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America Email, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, XXXX. XXXX FDIC. XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.
Product: Debt collection

I owed cash central but i paid thru XXXX XXXX XXXX  have photos of paid receipts, i sent to cash central, they kerp refusing to take off my credit report an accepting it was paidthis is really hurting my credit an very annoying to have photo receipts an not accepting this
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX XXXX i contacted them for months and gave them the tracking number of the returned cell phone they confirm that they had the phone in their warehouse but have not scanned it in yet but now charging me for it and making negative collection 's on my credit report. 

XXXX has an open collection on my credit report for a account open back in XXXXand I did not have a account with XXXX they can not provide me with the contract I signed. 

Kikoff has been opening accounts in my name and reporting it to the credit report agencies that is not mine i have disputed this multiple times and they cancelled it and open another one after.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account payment status for the months of XXXX, XXXX, XXXX and XXXX of XXXX and for the month of XX/XX/XXXX have been reported as being 30 days late. I initiated an investigation into this matter by contacting the companies customer advocacy department weekly, if not more often, every week since XXXX of XXXX. I provided proof of payments by providing my bank statements per their request. On NUMEROUS calls with them, including different representatives, they confirm that they agree with me and it has been clearly noted in their system. They also told me that on XX/XX/XXXX they submitted a request to XXXX, to correct the information. However after 60 days had past, I contacted XXXX only to find out no records exist of a correction request from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
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 user vulnerable to scams. This lack of accountability and transparency in unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out with One Main Financial, to consolidate my student loans, car notes, and other debt, back in XXXX or XXXX XXXX XXXX 

They promised that the consolidation would pay off student debt ( which it did not do ) cover my car note and other expenses. My student loans still exists. XXXX XXXX XXXX, I went to a car dealer to discuss the possibility of another car - my XXXX XXXX was on its last leg- the car dealer reviewed the terms set by the loan made by XXXX XXXX, and said that this was not how car loans worked, and they took advantage of me. Both he and his colleagues explained that the interest rates they are charging are unethical. From my research, I saw where he was right. I felt pressured to sign up for extra chargers that were unnecessary such as GAP insurance ( one of many ) that only upcharged my interest rates. I would like reimbursement and a separation from them. I had an accountant do the math. I pay XXXX monthly since XXXX, and they have literally only applied XXXX to the principle, the rest they've collected in interest. A true loan shark.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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
Product: Student loan

I am eligible to have student loan payments that I paid during the COVID-19 pause for student loan payments. Mohela sent my information to the Department of Treasury as I was eligible for repayment. This was in XX/XX/XXXX. I have received no repayments or information from either Mohela or the Department of Treasury. On XX/XX/XXXX, I wrote to Mohela to ask them for contact information at the Department of Treasury or where specifically the request was sent. On XX/XX/XXXX, Mohela responded and informed me that they have no contact information and provided me no guidance at all. The Treasury department website is vast and after searching for some time, I could not find an answer. I tried calling several times and nobody could answer my question. Any assistance would be greatly appreciated!
Product: Credit reporting or other personal consumer reports

I didn't authorize them, and I have no knowledge about them.
Product: Debt collection

XXXXXXXX XXXXXXXX XXXX it comes with XXXXXXXX XXXX XXXX. They said that they open account they open XX/XX/XXXX status update XX/XX/XXXX. They said the balances XXXX balance was XXXX XXXX XXXX and the amount is XXXX $ and they said the account was made in my address XXXX XXXX XXXX XXXX XXXX ga XXXX how was the account attached to my address and I only been there two years but they was made in XXXX. I have no knowledge of this. I already have XXXXXXXX XXXX XXXX XXXX XXXX XXXX that I just recently got so how is that? My account is starting in XXXX and they have not sent address that account was made from this should be immediately taken off of my credit 15 USC 1692 G