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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2020 PENN CREDIT CORPORATION added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, PENN CREDIT CORPORATIONhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Mortgage

We had hail damage in our roof last year. We opened a claim with the insurance company who approved it and released the funds right after the job was done in late XXXX. We tried to get the check deposited but because of the amount, our mortgage company required contract/bid/tax documents, etc from our contractor. We provided everything and after several phone calls back and forth they finally released a part of the funds. The total cost of the project was XXXX XXXX and they sent us a check for XXXX in XXXX. They still have {$6500.00} to release to us, but that is pending inspection. Since early XXXX I've been contacting them weekly ( lately almost every day ) to get the inspection scheduled. They assigned me an inspector, who contacted us on XX/XX/18 and left a message to call him and schedule the inspection. After 3 attempts without being able to get a hold of him, his phone number got disconnected ( XXXX XXXX XXXX ). Then I called again the mortgage company to explain what happened. They said they would assign another inspector. I have not heard anything back from anyone and every time I contact the mortgage company, they say they've escalated and someone will contact me soon. They refuse to give me an email, so I can have written documentation of this mess or to give me the inspector 's phone nr. I am losing my patience with this company that won't give me any answers or my money back. We have our mortgage through XXXX XXXX XXXX and the division that works with the claims is XXXX
Product: Student loan

Hello, awhile back I opened another complaint about this lender and it is becoming very frustrating as of now, I am still getting reversal payment and the interest has now double my payments. This is needs to be fixed immediately. My loans were once at around XXXX and have now double to XXXX. The latest payment. 

Payment Confirmation # : XXXX Amount : {$210.00} Scheduled for : XX/XX/2023 Was rejected 4 times despite money being in my account. 
I recently submitted another payment. 

Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/2023 The issue with this is, I dont want to pay the interest due to their faulty system. I have been able to make payments successfully in the past but ever since XXXX. My loans have been getting rejected with interest double. Can we fix this and do I have to suffer from the consequences of interest due to their inability to take payments?
Product: Money transfer, virtual currency, or money service

Paypal has engaged in Debanking practices by blocking my ability to receive payments from others, with both domestic and international transfers of funds. PayPal refuses to provide any explanation for this, saying there are no restrictions on my account and to try again in 48 hours. They offer overly prohibitive customer service hours to be contacted when lookingto speak with a human. Attempts to call have resulted in the call being abruptly disconnect when being transferred to a human. In my frequent attempts to message the company have led me to AI chat bots that talk me in circles or direct me to their website, which sends me down a rabbit hole with no real resolution. I have been trying to resolve this issue for three days with minimal response from the company. I'm filing a formal complaint as these practices make it difficult to resolve my access to services, resulting in Abusive and Deceptive Debanking business practices.
Product: Mortgage

I worked with lower.com during a hardship deferment that would allow to me enter into a deferment of my payments for a period of time. during this time I signed a document that it would not affect my credit as long as I stayed in loss mitigations. I worked with a young lady named XXXX XXXX to ensure I stayed compliant during my deferment and completed a loan modification once it was over. At XXXX point during the process, I was reported late, at which point I connected with XXXX and it was corrected. It was not until after XXXX sold my loan to a new servicer that the issue showed up. I was reported late to all the credit agencies during the entire period of time I was in loss mitigation. This was never supposed to happen per the agreement that I signed with lower. I reached back out to lower and they told me it would be corrected and I needed to send a dispute to correct it.
Product: Money transfer, virtual currency, or money service

My first complaint is that in 2022, I was scammed by a coach offering me private training lessons and then ghosted me. I contacted Zelle and they werent willing to help. I am also 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. The lack of transparency and accountability is unacceptable and raises concerns about consumer safety.
Product: Credit card or prepaid card

I was given a promotion in writing for {$75.00} credit if I spent {$500.00}. The credit card is refusing to honor the promotion. Additionally, they are intentionally delaying the posting of the credit to incur interest on the balance.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report as I do monthly. I saw 5 hard-credit inquiries on XXXX. looking further I saw 2 on TransUnion, and XXXX on XXXX. The dates are between XX/XX/XXXX and XXXX. I contacted XXXX  XXXX in which I have an account and they were very helpful. They said someone online requested an auto loan. 
The other banks in which I don't have accounts they were much less willing to help. They were XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Seeing that XXXX different banks were contacted in three days requesting loans I am very worried about identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Pnc has terminated connection with XXXX XXXX to try and force me to use XXXX a different virtual bank. 

I have been using XXXX XXXX for over a year and this discriminatory practice by my bank is unacceptable and came without any notice. 

I contacted my bank and they informed me there was no issues and to take it up with XXXX XXXX.
Product: Mortgage

During the time in which we were pre-approved for a loan ( the contract was signed on XX/XX/2021 ), and before the end of the loan contingency ( XX/XX/2021 ) ; the mortgage broker was made aware ( by us ) that we had subsequently found that the property ( a two-flat ) could not legally be rented for approximately 1/2 of the year. 

We had completed an application with the broker showing the current ( illegal ) leases provided to us by the sellers as year-round income. We were conditionally approved based on this rental income, but subsequently checked City ordinances and found the leases were not valid. We informed the broker several times that we felt this was materially significant and disqualified us for the loan. The broker told us they could not submit this information to the underwriters/lender and that it could only be discovered through an appraisal, not by the city ordinances. We stated to the broker that the ordinance was determinant on reducing rental income, we asked him to notify the lender/underwriter. He did not. 

The broker never was able to get an appraisal and we could not close on our loan during the determined period and have yet to receive our earnest money ( even though we had a loan contingency ) because the sellers now claim we were not denied a loan. 

We have subsequently found out that we ( through our loan broker ) had an obligation to notify the lender of this change. And that if we failed to disclose material information that altered our status to legitimately obtain a loan, the loan could subsequently be " called. '' We were also informed by the lender that we could not have informed them directly of this material change as the broker was working on our behalf. We have also found out that if this information was given to the underwriters, they would have denied our loan as we would not longer qualify. This denial never came. 

The broker is XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX We have many emails regarding this issue and can submit them if needed.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

I have been an experian member since XXXX until they introduced the digital banking which i signed up for. Been using the bank account for XXXX and XXXX transactions which also comes with digital visual debit card which can be used and accessed virtually. 

On XXXX  occasions there is always a problem using the card as recommeneded by them to link with your digital wallets such as XXXX, XXXX XXXX and XXXX  XXXX, so i tried adding to my XXXX  and the card keeps saying card number dos't exists or invalid when i have the correct and right number given on the account. So i tried to change the card whih replaces it instantly.Tried that a XXXX  times when i get that error message of invalid card number. On XX/XX/XXXX, i received an email saying my account was temporarily suspended, called them immediately becuase i was expecting a certain amount of XXXX XXXX days after, they said to me it was because i requested for too many card replacement and what i have to do is write to a particular email address explaining why i requested for lost or damanged debit card severally. I did that immediately and till now i haven't heard back. my money is stucked in my account till now, i call them almost XXXX  and they dont have an answer rather than i will get a response from the higher departmemnt soon. 
i need my money, thanks
Product: Payday loan, title loan, personal loan, or advance loan

Seems that interest charged is not correct, Aqua Finance , Inc. has provided history and it is available upon request.
Product: Debt collection

My debt was originally with XXXX but sold to SST around XX/XX/XXXX. I received {$1500.00}. I made payments starting XXXX of XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from SST of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. SST has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Checking or savings account

I PURCHASED A 12 MONTH CD ON XX/XX/XXXX FROM THE XXXX XXXX APP WHICH IS ASSOCIATED WITH WEBSTER BANK IN NEW YORK..I WAS TOLD I HAD A 10 DAY GRACE PERIOD TO DECIDE AFTER THE 12 MONTHS,.. I WANTED TO CLOSE IT OUT ON XX/XX/XXXX. XX/XX/XXXX WAS A SATURDAY AND THEY WERE CLOSED. I CALLED ON MONDAY, XX/XX/XXXX AND TOLD THEM I WANTED TO CLOSE OUT MY CD. THE REP TOLD ME TO CHECK MY APP AND WAIT FOR A MESSAGE FROM XXXX XXXX. I WAITED UNTIL XX/XX/XXXX AND RECEIVED NO MESSAGE FROM THE BANK, I CALLED ON XX/XX/XXXX XXXX XXXX AGAIN AND I WAS TOLD I NEED TO GO TO XXXX, XXXX TO " ACCEPT '' TO GET MY MONEY. I HAD NO IDEA THERE WAS A XXXX. I WENT TO THE WEBSITE, WHILE THE REP WAS ON THE PHONE AND TYPED IN " ACCEPT ''. THE REP TOLD ME MY REQUEST WENT THROUGH AND I SHOULD GET THE MONEY IN 3 DAYS, AND THE MONEY WILL BE IN MY CHECKING ACCOUNT. I WAITED UNTIL XX/XX/XXXX AND WAS THEN TOLD TO WAIT 3 DAYS AND THE MONEY WOULD BE IN THE BANK. I HAVE BEEN GETTING THE RUNAROUND SINCE I WANTED TO CLOSE THE ACCOUNT, I WAITED UNTIL XX/XX/XXXX AND THE REPRESENTATIVE TOLD ME THAT I WILL GET THE MONEY BY XX/XX/XXXX, IN THE MEANTIME MY ACCOUNT SHOWS I AM RENEWING MY CD. WHICH I AM NOT. AFTER READING THE ONLINE REVIEWS ON XXXX XXXX, MANY PEOPLE ARE HAVING THE SAME PROBLEM. I NEED THIS MONEY TO PAY MY BILLS. THE XXXX XXXX PHONE NUMBER IS XXXX. I REALLY APPRECIATE ANYTHING YOU CAN DO TO RESOLVE THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccurate accounts with Experian for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, Experian date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX account is a re- aged account and still reports a payment pattern to XX/XX/XXXX which leaves Experian , in violation thereof ... ..Experian records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Experian, these accounts Re-Aged when this collection agency opened this account, this account duplicate account XXXX  reported by XXXX  reports its Date ofLast Activity XX/XX/XXXX on one account and and XX/XX/XXXX on the other account. This is inaccurate reporting. Experian remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, Experian, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record. 
3. Inconsistent Reporting : Experian and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report. 

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations. 
Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Yesterday at XXXX XXXX., I received a voicemail to callback the number ( XXXX ) XXXX back because the message left said, we are trying to reach question mark (? ) XXXX XXXX. So I called the phone number back and spoke to what sounded like a XXXX male, who asked was I XXXX XXXX or did I know how to contact XXXX XXXX, with the last XXXX social digits XXXX XXXX XXXX so I said yes! He had my precise last XXXX social security digits! He said I owed a old debt with Discover, so I said, how when I currently own a Discover credit card and he said I could be sued IF I did not pay so I said, sue me, hung up, and called Discover! Discover checked and said I do now owe a old bill plus I gave them an case file account number I got from the ( XXXX ) XXXX and they connected me to Discover security and they said, I only owe current Discover bill and/or that I am not behind on any present or past payments! But each time I called ( XXXX ) XXXX, I got the exact same agent and/or he tried to disguise his voice when I commented and asked why do I only get him on the phone, so I said I want a manager and he said he was a manager then I asked to speak to someone over him, so he acted like he was getting someone else, then he came back on the phone with an attempt at CHANGING his voice, so I hung up!
Product: Credit card or prepaid card

On XX/XX/2020 I reserved a car online through XXXX. My Discover credit card was used to secure the car. On XX/XX/2020 I went to pick up the car that I reserved through XXXX. the vendor, XXXX XXXX, told me that they can not rent the car to me, without explanation. I contacted XXXX to let them know what happened and they said they can't refund me even though I did not receive the car. I then contacted Discover Card when the charge appeared on my statement and explained several times that I never received the service that I paid for, a rental car. They, Discover, are only relying on the merchant, XXXX, information. However the merchant can not substantiate that I received the actual service. I have been disputing this charge since XX/XX/2020. We are at an at impasse.
Product: Student loan

a federal loan was taken 2010 for my daughter. She defaulted and Navient picked up her loan. She has been paying them for her loan. The IRS has been keeping my ( her mother ) tax return saying that I owe for her defaulted loan. She is still paying Navient and is current on her account. I have tried to contact Navient for the past few years and can not get an answer as to why this is happening. Initially I was told that I owed somewhere around {$24000.00}. The IRS has been keeping my returns of approximately {$1200.00} - {$1800.00} a year. I have tried to find answers thru them and was told to go thru Navient to no avail. 
Is there anything that you can do to help us?