23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding sales 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 loss funds was impossible, and that the tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also allow repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises. Serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

I have a total of 4 accounts with XXXX XXXX XXXX XXXX Equifax is only reporting 1 of the 4 accounts I have from XXXX XXXX I also have a XXXX XXXX credit card that is not being reported as well. all 4 XXXX XXXX accounts along with the XXXX XXXXXXXX credit account is reported on XXXX and XXXX, Equifax is only reporting 1 account out of the 6 open accounts...
Product: Credit card or prepaid card

This case is continuation of previous case # XXXX I submitted to CFPB. Chase did not resolve my issue. I left couple of messages for the XXXX ( executive officer assigned ) but I never got the call back, while appreciate chase listen to my conversation with the agent and found agent didn't meet quality standard but I don't feel chase is doing anything to resolve actual issue. I am charged for the ticket price however, XXXX XXXX claimed they have refunded my ticket I have provided all the proof provided to me by airline.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I have been a victim of a data breach and identity theft. 
Fraudulent accounts and unauthorized inquiries have been identified on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be immediately blocked and permanently deleted from my credit file : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List all additional inquiries here as needed, continuing the numbering for clarity. ]
Product: Debt collection

This company added a collection to my Credit bureaus saying I owe a debt from 2020 from XXXX. This information is false. Ive always paid my bills and do not owe any money to them or XXXX. I am disputing this debt with them and they have failed to send me the information Ive asked for which is to show me the Date I opened an account with XXXX and when the account was closed with the amount I owe to XXXX. Including my signature with the date. They have failed to give me any information only that I owe a debt I need to pay from 2020 which is false.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. This is a violation of XXXX XXXX XXXX for reporting false information and without a permissible purposes.
Product: Mortgage

I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX
 I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX
We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by  XXXX.  We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising,  a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website.
At this point, we are lost, feel like victims of a scam, and don't know what to do.
Product: Student loan

FedLoan is the current servicer for my federal student loans. I have been enrolled in the Public Service Loan Forgiveness program since XXXX. Each year I had to call and re-certify for the program and each year I was assured that I was enrolled in the PSLF program and was on track to have my loans forgiven. I have worked in local and state government since XXXX. I have been in active repayment most of this time. The only time I was not in active payment was temporarily in XXXX and again in XXXX when I was in forbearance due to maternity leave. Once I returned to work, my forbearance ended and I resumed payment. I became a single parent with XXXX young children in XXXX and was placed in an income based re-payment plan with Fed-Loan. I was told by their representative each year when I recertified that I was indeed in the correct program and on track for loan forgiveness. Beginning in XXXX I started applying for PSLF and was denied loan forgiveness. I have applied many times over the past 4 years! I am told that I have only 14 total payments that qualify under the PSLF program. This is completely contrary to what I have been told by FedLoan for the past XX/XX/XXXX years! I have asked for a printout of all my recorded payments since XXXX and I have been denied that information by FedLoan.
Product: Debt collection

Account name WSTSHMRK Account # XXXX I am submitting this complaint regarding attempts by debt collection agencies to collect a debt they claim I owe, associated with XXXX and XXXX XXXX. Despite my repeated requests for written verification of the debt, as well as letters to the credit bureaus, and requesting proof of their identity and authorization to collect this debt, the agency has failed to provide any such documentation. I have asked for this verification within the legal timeframe, as per the Fair Debt Collection Practices Act ( FDCPA ), and have yet to receive a satisfactory response. This lack of compliance has prompted me to seek intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I seek your assistance in resolving this matter under federal consumer protection laws.
Product: Mortgage

I was approved for payments through the XXXX XXXX. The program paid my past due payments for XXXX and XXXX of XXXX. They also agreed to pay 6 months of ongoing forward payments. They paid XX/XX/XXXX payment on XX/XX/XXXX, however it wasn't posted to the account until XX/XX/XXXX. Per XXXX, they sent XX/XX/XXXX payment on XX/XX/XXXX. It is now XXXX and it has yet to be applied. Called mortgage company and they stated they haven't received it, but again XXXX stated it was paid to US BANK. They stated the same for XXXX and US Bank eventually posted it to my account. Just trying to get them to post XXXX and now XXXX.
Product: Credit reporting or other personal consumer reports

According to 609 of the FCRA and resent guidelines of the CFPB 12 CFR Part 1022 This advisory opinion underscores that, to trigger a consumer reporting agencys file disclosure requirement under FCRA section 609 ( a ), a consumer does not need to use specific language, such as complete file or file. This advisory opinion also highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609 ( a ). In addition, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source and any intermediary or vendor source ( or sources ) that provide the item of information to the consumer reporting agency under FCRA section 609 ( a ). I have requested from Experian several times to disclose who and how did they verify the account informations under reinvestigation. Even though XXXX and XXXX has removed the exact same inaccurate information after reinvestigation. This my at least 6 attempts to correct this issue. Experian is clearly violating the federal privacy rights and disclosure requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!
Product: Credit card or prepaid card

My identity was stolen in XXXX and a suspect had been using my account without my authorization, including making payments to the card for the unauthorized charges. I spoke to Barclay 's Card about it several times, have email trails and have provided all asked of me. I had the investigator speak to the police and the suspect, who has been identified and a warrant for his arrest placed. I have sent police reports and given the company the info to the probation officer of the individual and the police officer on the case to verify this. They have actually talked to the suspect on the phone, its not even me, its a man. They are holding over {$11000.00} of mine and have refused to return it since XXXX of this year.
Product: Debt collection

A letter dated XX/XX/XXXX from NES of Ohio, stating that I owe them an alleged debt for {$3800.00}. The XXXX XXXX was XXXXXXXX XXXX, who previously charged off the alleged debt. I have no contract NES of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between NES of Ohio and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached a settlement arrangement with Capital One Auto for the remainder balance left after a total loss. Paid the final amount, XX/XX/2022. Never missed a payment. When I call the automated system it states the account is SETTLED IN FULL. They reported it as charged off this month, even thought the message states it was reported as settled in full. When I called they tried to say it was something they couldnt fix retroactively. It shouldnt have to be fixed since I was told it was settled and an agreement was made and met. This is false reporting.
Product: Payday loan, title loan, or personal loan

I became homeless and my purse was stolen at XXXX I lost my wallet and ID as well as my debit card. I was in a very abusive relationship and suffered XXXX XXXX. Which caused me some issues and I forgot to contact the company I was making payments on already. They threatened to arrest me and go to my families home to warrant a arrest and they would not assist me. They demanded {$2500.00} to settle outside of court and I told them I couldnt and if they could mail me court papers if I have no options left but I didnt commit fraud or didnt pay they was a history of payments I just cant remember a gap of my memory. I have bank proof and I paid a lump some on a prepaid card. The threats they made scared my sister and myself to where I had a XXXX XXXX and tried to remember who I spoke with and how my payments were not on auto pay anymore. I am now scared and anxious I am barely getting my life back together and offered auto payments again with new debit card. She said no and if I had a lawyer present.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian alleging systemic issues failing to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these failures align with my experience. Where Experian has neither corrected nor removed disputed items, despite the evidence I provided. Causing ongoing harm to my credit standings. I am requesting immediate action. to remove or amend the disputed accounts. As experience action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My initial contact was by Phone to XXXX   XX/XX/XXXX to investigate inaccurate information. TransUnion sent to me documentation on XX/XX/XXXX of their finding that has been confirmaed as inaccaurate or incomplete public record information based on the following additional records details obtained from Georgia, XXXX County Magistrate Court Civil Case Inquiry website ''. But to this day XX/XX/XXXX TransUnion continue to report false information. I was not a renter, my husband own the house and it was later given to me through divorce court. I was the owner not a renter. Court documentation of my divorce decree proves this and the fact that the court documents state that it was consent of the agreement between XXXX XXXX attorney to allow me time to move out after the company purchase my home in foreclosure sale and the Judge set the date for XX/XX/XXXX and I gave them the keys but the company refuse to stop reporting this case information as an eviction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, contacted creditor to provide documentation that is in accordance to federal FCRA.
Product: Credit card or prepaid card

I would like to re-file a formal complaint against Bank of America for engaging in deceptive lending practices more specifically targeting minorities and over charging interest and intentionally lowering their credit scores. 

I withdrew the complaint based on BOA commitment to investigate. BOA said if I withdraw said complaint they would not investigate unless the complaint is standing with CFPB. Therefore I am refiling said complaint. 

Bank of America ( BOA ) offered a balance transfer at very low interest rate with a {$15.00}, XXXX, line of credit. 

Shortly afterwards BOA lowered the credit limit without any notification and/or explanation repeated this process until line of credit was lowered to {$5000.00}, intentionally lowering minorities debt to credit ratio after enticing consumers with a balance transfer. 

According to BOA the following are the interest breakdown amounts on the remain balance of only {$2600.00}, as of XX/XX/2022. Intertest Charged on XXXX XXXX XXXX XXXX  = {$2500.00} Interest Charged on Purchases = {$2500.00} Interest Charged on Balance Transfer = {$2500.00}. 

The cash advance and balance transfer were both done years ago according to BOA breakdown Theyre accruing interest on a balance of {$7700.00}, see attachment. BOA refused to provide any options to pay down specific balances, or accurate monthly breakdown on individual balance amounts purposely confusing and misleading consumers on actual balances overcharging interest on amount paid down years ago.
Product: Credit card

I applied for the American Express XXXX card with a XXXX Membership Rewards points bonus offer. The terms of the offer stated that the XXXX points would be available within 6-8 weeks of meeting the minimum spend requirement. The XXXX points did post to my account, but I was told by an American Express representative that everyone who applied for the XXXX point bonus offer would have their Membership Rewards account locked and be unable to redeem their points for 6-8 weeks. An American Express agent I spoke to confirmed that it has been over 8 weeks since I met the minimum spend requirement and since my Membership Rewards account was locked, but that my points can still not be redeemed. He also said it was not possible for somebody to manually unlock the account, and that I would need to wait until the system automatically unlocks the points. He said there was no date by which the points are guaranteed to be unlocked, and that I will need to wait for an indefinite period of time to redeem my points. This applies not only to the XXXX points that I earned from the bonus offer, but to all of my Membership Rewards points, including those I earned from other cards before signing up for the bonus offer. Essentially, all of my Membership Rewards points that I earned in accordance with their terms are unusable until an unknown date, and nobody at American Express can fix the issue or tell me when the issue will be fixed, despite the date that their terms said the points would be available having passed.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$77.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from XXXX XXXX XXXX that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from XXXX XXXX XXXX that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and XXXX XXXX XXXX assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with Experian, XXXX, and XXXX still reflect multiple late payments that should have been cleared. Specifically : Experian & XXXX : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with XXXX XXXX XXXX and the credit bureaus, but the errors persist. XXXX XXXX XXXX refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. XXXX XXXX XXXX failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in XXXX  possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered into a repayment agreement with Synchrony to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XXXX, 2021. However, the attached information indicates that Synchrony has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by Synchrony are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to Synchrony.