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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have attached a word document showing the inquires that were unauthorized. I just want these inquires removed from my report so they stop affecting my score.
Product: Mortgage

Our mortgage company, Nationstar, is claiming we missed a payment and is sending us email messages and leaving voice mail messages warning us of a possible foreclosure. Our mortgage payment is automatically transferred from our bank account to Nationstar each month, so we know we have n't missed a payment. We have called XXXX different times trying to clear up this issue. The first call we talked to XXXX and she said she would look into it. Two days later on the XXXX call XXXX suggested we FAX them our bank statements to verify the payment was made. We FAXED them that day. On the third call XXXX told us they did n't have a record of us ever calling them, but she would create XXXX. On the fourth call they told us they it would take a few days to review the FAX. On the XX/XX/XXXX call XXXX told us they never received the FAX. On the XX/XX/XXXX call to their call center XXXX was n't sure what the problem was and offered no solutions. Meanwhile we are still receiving email and voicemail messages telling us our mortgage is past due.
Product: Debt collection

ONEADVANTEGE IT A SCAMMER COMPANY DIDINT HAVE VALID COMMUNICATION PHONE AND DON'T AWMSER ANY COSTUMERS REQUEST PLEASE HELPPPP
Product: Student loan

My husband and I just completed a chapter XXXX bankruptcy in XXXX XXXX - Case # XXXX that completed with a discharge in XXXX XXXX. Our Chapter XXXX bankruptcy paid {$39000.00} in principal according to the ledger from the Chapter XXXX trustee. At this time we are trying to go into repayment and loan consolidation to finish paying these loans and we can not get a payment history any confirmation from fedloan servicing that all of our payments were credited to the account so that we pay the accurate amount. The Chapter XXXX Bankruptcy records say we paid 71.77 % of our loan balance on a filed claim for {$47000.00}. By our calculations, only {$13000.00} should be owing but we were just told we owe over {$29000.00} and that they can not give us an accurate payment history. Please help!.
Product: Credit reporting or other personal consumer reports

There is an individual using my social security number to open credit card account and other lines of credits in TJX type of stores and also people changing my home address in my social security. I have notified the credit bureaus, but they have not done their part on freezing my credit.
Product: Debt collection

Received an alert from credit reporting agency apparently this company by the name of Jefferson Capital System reported information to my credit report without notifying me to give me a chance to dispute this debt, that is a violation of my rights as a consumer you just can't report something on a credit report without first notifying the consumer and validating this said debt. I want this removed from all credit reports ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my insurance with XXXX  insurance in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with XXXX insurance. By law a driver can only have one form of car insurance.
Product: Debt collection

Midland Credit Management ( according to my caller ID ) has been calling me non-stop since XXXX. After receiving the first call on XX/XX/XXXX at XXXX PM, I sent Midland Credit Management a cease and desist letter specifically asking them to stop the phone calls. I mailed that letter to their address which I found on XXXX. Since then, I have received countless calls from them which are in direct violation of the FCRA - especially the call I received while I was in CHURCH on SUNDAY, XX/XX/XXXX at XXXX. This is pure harassment at this point. I have retained all phone calls and am weighing legal options.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Zelle handling of disputes, particularly in the 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 the recovering lost fund me was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$750.00} deposit for apartment XXXX XXXX. XXXX Fraud XX/XX/XXXX {$500.00} fraud from XXXX Nothing got resolved
Product: Money transfer, virtual currency, or money service

I transferred {$500.00} on XX/XX/year> from my XXXX checking account to my Bank of America account. I saw the transaction activity in my Bank of America account right after I made this transaction. But this transaction disappeared on XX/XX/year> from my Bank of America account. I called Bank of America, they told me this transaction never received by them and asked me to call XXXX to dispute it. I called XXXX but XXXX confirmed this transaction has been completed and refused to submit a claim for it. So neither Bank of America or XXXX want to deal with this problem and my {$500.00} just disappeared.
Product: Debt collection

Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.
Product: Credit card or prepaid card

I opened up a dispute through Chase Card Services on a XX/XX/19 charge of {$510.00} on my Chase Sapphire Reserve card, and it was recently denied, twice. 

The reason for denial was that XXXX, the merchant, stated the payment in question violated their user agreement, in reference to using friend and family option to pay XXXXXXXX user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation. 

2 ) If there was a violation defined in the fine print that I was not aware of, XXXX user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the XXXX  user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the XXXX invoice, and I paid it. He initiated everything, and if there are any violations of the XXXX user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

JP Morgan Chase failed to represent my, their client and cardholder, in the dispute versus XXXX. I was mis-represented by the staff at Chase Cardmember Services, and I have incurred a loss of {$510.00}, that was more than recoverable, if Chase had given any effort to put up a fight with XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XX/XX/XXXX last XXXX of ssn is XXXX. There was a credit card for XXXX XXXX opened under my name about XXXX XXXX years ago. this account has been paid off in full & belonged to my now ex spouse. I am writing this to ask for the late payment forgiveness & ask that the XXXX late payments from XXXX & XXXX be taken off my credit report since the account has been paid in full & no longer used.
Product: Mortgage

This is a Notice of Violation of ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I applied for a loan modification XX/XX/XXXX with U.S. Bank and received a Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. RE : Right to Property Valuation Documentation ( attached here as A-1 ) The Notice clearly stated that they would promptly send notification of the of the property value, and provide me with a copy of the appraisal report as required by law. U.S. Bank conducted two separate Property Valuations ( attached here as A-2 ) while reviewing my loan application and failed to provide me a copy as required by law and violated the ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I received a loss Mitigation Determination from U.S. Bank dated XX/XX/XXXX ( attached here A-3 ) that advised me that I was denied a loan modification due to not being able to complete a property inspection. Not only was a property inspection completed during the review of my application, there were also two separate property valuations ( Appraisal/BPO ) conducted and completed during that time. This information is false, misleading, deceptive and unfair and clearly violates UDAAP ( Dodd-Frank Act, Sec. 1036 ( a ) ( 1 ) ( B ) ; 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) misleading borrowers by providing false or deceptive reasons for denial. This false and deceptive information also violates RESPA under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ), due to the Servicers failure to correctly evaluate a loss mitigation application.
Product: Checking or savings account

I'd lost my card-not terribly sure when exactly but the last transaction that I recognize was in XXXX. In XXXX, I saw charges totaling {$4200.00} on my debit card that I do not recognize. I filed a claim with Wells Fargo. No credit was issued and the claim was denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts that have appeared on my credit report. I am a victim of a data breach, which compromised my personal information and led to the inclusion of fraudulent accounts on my credit file without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4200.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00}
Product: Checking or savings account

On XX/XX/XXXX I wrote and mailed a check for {$1100.00} from our Wells Fargo bank account to the owner of an apartment complex which we had recently vacated. I received a call from the apartment owner on XX/XX/XXXX that they had not received the check. On the same day I went to the Wells Fargo website to and discovered that the check had been posted as cashed on XX/XX/XXXX by a person to whom the check had not been written. It was endorsed an unauthorized payee for Deposit only to a bank in XXXX XXXX. 
My husband and I have tried several times via phone and an in-person visit to the bank to rectify this and for them to make good on their error. They keep putting us off. I have kept all emails from them regarding this. It has been escalated and assigned to this person at Wells Fargo : XXXX XXXX. 
XXXX Representative XXXX XXXX XXXX XXXX po box XXXX, XXXX XXXX, SD XXXX I was referred to this website by a representative at XXXX XXXX XXXX XXXX in California as this is considered elder abuse.
Product: Student loan

To whom it may concern - I was one of the borrowers that due to billing date issues, was placed on administrative forbearance by mohela for XXXX, XXXX and XX/XX/XXXX. 
Please see attached email received on XX/XX/XXXX. 
My XXXX and XXXX months showed up as qualifying and XXXX was not showing up at all. 
I just opened up my mohela account and XXXX is showing up as inelegible. 
I mean come on, this is extremely stressful. I am looking at social media and Im one of many. When is my XX/XX/XXXX will update?
Product: Credit card or prepaid card

The problem relates to denying me access to online information about my account. I have had a Citibank Credit Card since XXXX. Recently I fell behind on my payments but and am more than 30 days behind ( for the first time in 11 years ) but less than 60 days behind. I promised to pay on XXXX which is still less than 60 day. This promise is in Citibank 's Data Base. All my statemets are delivered on line and that is how I access my account info. I receive nothing by mail. For some time when I login to the Citibank credit card website I can only see a screen that informs me that I am past due and gives me only the options of setting up automatic payments or paying now. Today, XXXX/XXXX/XXXX i called customer service about this. I was transferred to XXXX ( his Citibank ID number is XXXX ) who supports the website about XXXX EDT. He listended to my concern about not being able to see information about payments or any of my statements. He then went offline and came back to say that since the account was over 30 days past due, online access was denied. He said he could mail me a past statement but could not allow me to see my past statememts or payment info online. Mail obviously would take several days. He then transferred me back to customer service who verbally relayed the information I was seeking from my most recent statement. I told XXXX that it seemed wrong that I would deny access,, since I have no printed statements or anything else in writing from the company. I also pointed out that no other credit card company I deal with does this. If I am past due, they flag it on my homepage on their website, but the functionality of the website is unchanged. He said he was sorry, but that was their policy and he could not change it. He said he would mention my concern to his supervisor. In short, my complaint is that the company cut off electronic access to all information about my account because I was late on one payment in 11 years. This seems arbitray, not customer friendly and costs both the company me and time as I have to wait online for a live person to answer my questions. I think this policy of Citibank 's should be eliminated, to bring them in line with industry norms ( and perhaps banking regulations?? ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

we were trying to get a loan, it never went through. so i got the reports from 2 of the credit bureaus. how can 1 experian company have accounts showing all negative and another 1. XXXX company show the exact same accounts showing all good? how does it happen? it doesn't make sense, its like you hope the business place you are trying to get a loan through uses the Correct Credit Reporting Company. This isn't right ... ... .... 
XXXX XXXX
Product: Student loan

I am the parent of XXXX active college students and XXXX recently graduated college student. My sons have used " South Carolina XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services has repeatedly misapplied payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX XXXX XXXX. I am filing this complaint since this is as at least the 10th time they have had issues correctly applying payments to the right accounts. This has resulted in errant late fees, multiple calls to me for " late '' payments, & multiple calls from myself & my sons to them to get fees waived, payments reapplied correctly & payments sent to correct the
Product: Checking or savings account

Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue I am currently facing with TD Bank. On XX/XX/2020, my TD Bank account, which contained over {$18000.00}, was suddenly frozen without prior warning or explanation. This significant amount included approximately {$7000.00}, which had been in my account previously, and {$11000.00} from a XXXX ( XXXX XXXX XXXX ) XXXX, for which I had signed a promissory note. 

The reason for my account being frozen, as explained to me by TD Bank, is that they allege to have made a mistake by depositing {$50000.00} as part of the XXXX Loan, which is what I agreed upon in the promissory note. Unfortunately, TD Bank has not provided any conclusive evidence of this alleged error, and my attempts to communicate with the bank have been met with silence, as they have not returned any of my calls or provided a clear explanation for the account freeze. 

The sudden freezing of my account has caused severe financial distress and hardship, as I am unable to access my own funds and carry out essential financial transactions, including paying bills, rent, and daily expenses. Moreover, We had to close the doors to a business that benefitted and made a huge impact on the community, and I am concerned about the adverse impact that this situation has on my credit history and financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I believe that an objective review of the circumstances surrounding the XXXX Loan disbursement, the promissory note, and the actions taken by TD Bank will help shed light on whether any mistake was made and whether the account freeze is justified. I am fully committed to cooperating with any investigation or review required to reach a fair and equitable resolution. 

I am grateful for your time and attention to this matter. Your support would be invaluable in helping me regain access to my funds and understanding the situation better. I kindly request that you investigate this issue and take any necessary actions to expedite its resolution. 

Thank you for your consideration. 

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

I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately XXXX payday and personal loan inquiries. I immediately call the 3 major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called XXXX  after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is DataX there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.
Product: Credit reporting

Reached out to dispute information on my credit report that was entirely incorrect and hurtful to my score. Company informed me that they reviewed the dispute, but the information is still present on my account.
Product: Credit card

Hello, On XX/XX/year>, my Girlfriend and I visited Ashley Furniture located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as we were browsing employee XXXX XXXX began assisting us. Toward the end of the visit, XXXX informed me that there was a preapproval check that did not result in a credit hard pull. We considered it and advised XXXX this was the first place and wanted to get an idea of how much we could get approved for. I proceeded to submit the preapproval. Upon receiving the approved amount ( XXXX ). XXXX the store employee stated, Yes you are approved. As I discussed this with my girlfriend, she looked at XXXX. I then turned to look at him and I saw XXXX accept the offer on the monitor, with a smirk on his face. The look on his face infuriated me and questioned him as to why he did that. When I didnt want to move forward. He acted like he was confused and apologized. I continued to express my frustration due to him deciding to act on my behalf without my approval. I informed him that is unprofessional and unethical apart from being illegal. XXXX responded that he thought I wanted the offer. Frustrated again I informed him he has no authority to approve anyone 's offer. As I proceeded to leave the store XXXX stated to return since I was approved. I told him I was going to contact the credit bureau and report this incident. I then called XXXX to report the incident and fraud that was committed. I requested that they remove the inquiry and advised them of what other steps to take which they directed me to also submit a claim with ConsumerFinance.Gov.