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

My state tax lien was vacated/expunged by the XXXX, however it is still showing on my XXXX credit report. I sent a certified letter to Equifax on XX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and XXXX did not delete the tax lien from my credit file. Their response was they verified the information with Lexis Nexis.I contacted Lexis Nexis on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the XXXX records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with XXXX because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
Product: Prepaid card

Around XXXX of XXXX, I contacted Bank of America to close my late fathers pre-paid debit card account, which had a balance of approximately {$12000.00}. The bank required me to complete several forms to process the account closure. I provided all requested documentation and followed their instructions. However, these documents were rejected multiple times for minor reasons that were not previous specified by other agents. Each agent I spoke to gave different, conflicting information on what documentation was required to close the account. I was also told I should have a case manager assigned and have a reference number as well, which I was never given and each time I called I was treated as if that it was my fault I did not have this information and at times agents refused to help me without this information. 

On XX/XX/XXXX, I called to follow up on the status of the account and Bank of America said they couldnt see the account anymore and noted that a check was going to on it's way and I should expect it by the end of the week. While they did state that the account had been closed, I did not ever receive confirmation of that. However, as of today, XX/XX/XXXX, I have not received the check and when I called to follow up, I was once again transferred to 4 or 5 different agents having to retell my situation multiple times with no help so I ended the call.

I have contacted Bank of America multiple times for an update. Each time, I have been told that the check should be arriving, but I have not received any tracking information, confirmation of issuance, or any clear resolution. The bank now claims they have no record of the account.

This delay has caused significant stress and concern, as these are estate funds that should have been distributed in a timely manner. Bank of Americas lack of communication and failure to disburse these funds raises serious concerns about their handling of estate accounts.
Product: Debt collection

I was absolved from this debt due to the other party that took responsibility, they refused to take off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Attached is my State ID and SSC The listed accounts were placed onto my consumer report without my written consent, please help me get this solved. 

XXXX XXXXL # XXXX XXXX, XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, every month, Toyota reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called Toyota and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. Toyota really needs to fix this because it is unfair for the false reporting.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXX XXXX and XXXX  XXXX XXXX.
Product: Mortgage

PNC Mortgage charged this loan off XX/XX/2019 and released there mortgage. I am not trying to sell the home however, they have not vacated there judgment or dismissed the foreclosure action against me in XXXX County case number XXXX. Under PA law the foreclosure is now invalid and needs to be dismissed with prejudice. They are now preventing me from being able to sell the property by holding a lawsuit over my head that is invalid for 30 days.
Product: Credit card or prepaid card

Received an email today from Discover saying my account was closed because they couldnt verify who I am. I've had my credit card since XX/XX/2022 and had XXXX problems and always on time with payments
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

I have been fighting a long battle with experian for quite some time now, I have sent over disputes about unverified accounts - instead of the company doing what they are supposed to do they are continuing to send me stall letters or just not responding at all.
Product: Student loan

I am writing XXXX about the letter I received today regarding interest accrual on my Mohela account. While I received a letter XX/XX/year> that I was placed in SAVE forbearance and that interest will be at 0 % during this time, interest has continued to accrue. I have submitted multiple complaints about this and the interest that has been accruing on my account not only during the SAVE forbearance, but also the admin forbearance I was placed on previous to XX/XX/year> for nearly a year, since XX/XX/year> while my IDR applications were having delays and errors in processing resulting in additional admin forbearance time when I wanted to be on the save plan. Today XX/XX/year> I received a message in my Mohela portal that interest will l continue to accrue on my account dispute being on forbearance. This is unacceptable and must be removed, for all periods of admin forbearance that I have been on, including SAVE plan forbearance because the interest rate was supposed to be 0 %. Despite my multiple complaints I have no resolution from MOHELA nor any communication from MOHELA addressing these concerns. I am following up today again with a formal complaint to my senator, the CFPB, and Department of Education. I expect this issue to be addressed and the interest to be removed. It has been over six months of complaints without any resolution or proper customer service to address this, and it is unacceptable. I will not allow this predatory behavior to continue on my account.
Product: Prepaid card

I have a XXXX dollar Amex card that got declined when trying to purchase a video game on the XXXX XXXX. The card then proceeded to decline.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I Submitted a dispute over the phone with XXXX ( my 3rd dispute ) Report Number:XXXX for COMENITYCB/MYPLACERWDS regarding the charge off account for Victoria Secrets, because their response to the bureau in regards to my previous dispute was they sold the account to another lender, I request and explanation In light of the fact that this account was sold to another lender, how are theyreportingit? and request them to Please delete this account if they can no longer provide proof that they own it. 
Today I got a notification in my XXXX for COMENITYBANK/VICTORIA Account XXXX showing the account was Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
When I opened the report COMENITYCB/MYPLACERWDS as a responseto my previous dispute update a comment : Purchased by another lender. 
If they Don't own the account anymore What steps are they taking to report this account now that it has been transferred to a different lender? 
why they are ignoring my prior request and if they can no longer provide evidence that they own this account, they need to delete it. 
I will attach copy of my credit report as a evidence of their response
Product: Credit reporting or other personal consumer reports

TransUnion is reporting hard inquiries on my report that I did not authorize these hard inquiries are not known to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a cash advance XXXXXX/XX/XXXX for {$1600.00} + {$88.00} fee. I wanted to set up a XXXX month payment at that time I was told I could do so. When the {$1600.00} was sent to my account, I called member services and asked how do I set up the 3 month payment plan. I was told that I couldnt, only think I could do is make the payment through my current credit account. On XX/XX/XXXX, I made a {$550.00} + {$88.00} for the cash fee. Plus I made an additional {$200.00} on my regular monthly account. In XX/XX/XXXX, I made a {$580.00} interest included and again paid my regular monthly payment {$200.00}. On XX/XX/XXXX, I made the last payment of {$580.00} with interest, again making my regular monthly payment of {$200.00}. The total payment I made for the {$1600.00} cash advance was {$1700.00} with interest. So, Im still receiving a interest charge after paying off the cash advance in XXXX months. I was not told by any representative of US Bank they I would still have a balance and interest because my first payment of {$550.00} + {$88.00} fee, was not applied to the cash advance. I spoke with XXXX for for over an hour on XX/XX/XXXX, She finally had her supervisor, XXXX, come to the phone for him to tell me that my XX/XX/XXXX payment was not applied to the cash advance. It amazes me that they can separate interest fees, but not when you do a cash advance vs your regular credit card. I simply want the extra interest taken off my account. 
Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I asked to have a wire transfer made to a vendor in XXXX from my personal Suntrust Account. I not only paid the international wire fee, but the fee the receiving bank would also require. However, by the XXXX, the funds had not been received so I went into the branch located in XXXX XXXX, Florida ( XXXX XXXX ). 
The amount that debited my account was {$50.00} for the transaction and {$4600.00}. However, when the funds came back, the amount was for {$4100.00}. When I asked why, no one at the branch could answer me. I asked the XXXX and he promised to give me a break down, but has not sent it nor has answered my calls. The customer service lines do not pick up ( I have waited for more than XXXX minutes ). The branch does not answer. I do not know what else do to. I want to know why I did not receive the full return of the funds if the wore never was funded.
Product: Vehicle loan or lease

US BANK has operated willfully and negligently to deny my claim as rightful owner of vehicle with license plate CA XXXX VIN : XXXX. Payment made on XX/XX/2022 for the amount of {$78000.00} was made to the account/loan : XXXX. On many occasions, US Bank has unlawfully denied my claim to the property listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  and XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX I have not informed or recalled of any association with these company. I have contacted XXXX XXXX, and XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Mortgage

On XX/XX/XXXX, I received a letter from Bank of America stating they were declining me SHORT-SALE on my home, for no apparent reason. I complained to Hud and Bank of America. What was the reason for Bank Of America declining me a short-sale when I provided all of the documents they asked for. My real-estate attorney also provided numerous of documentations to them. After, two weeks of complaining the Bank finally approved my short-sale on the home. But, now Bank of America suppose to provide me with {$3000.00} in relocation assistance to help me find a suitable place to stay and they also denied that also! I am so shocked and disappointed how Bank of America has treated me through this difficult time in my life. I am selling my home, because I can't no longer afford the payments and I got so behind. My lost hours on my job also. I wanted to make sure this home won't go into foreclosure and get auction on the courtroom steps. Now, I have a buyer on the home and I have a place to stay but it wont be ready until XX/XX/XXXX. So, I really need the closing date to happen after that date. Here are the document supporting all of my arguments. I really need some type of Assistance. Thank you so much XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. I had a credit card account with XXXX XXXX XXXX XXXX XXXX at the time and the card was included in the bankruptcy as unsecured debt. My plan of reorganization was approved in XX/XX/XXXX and payments began in XX/XX/XXXX. I have made all required payments to XXXX XXXX per the plan and continue to do so. XXXX XXXX continues to report the account with a large past due balance, late payments, charge off, and other derogatory information after my bankruptcy filing in violation of the confirmed plan. This debt is satisfied per the bankruptcy plan of reorganization and no information should be reported after XXXX of XXXX per bankruptcy law. At that time the account was current and always paid on time. I have disputed this inaccurate information with Experian providing bankruptcy documentation as evidence, but XXXX XXXX refuses to accept that their behavior is incorrect and illegal. As a named creditor, XXXX XXXX received all of the relevant bankruptcy documents while the case was open. Because of their actions, my credit score continues to suffer, and I am unable to repair my credit as afforded by my bankruptcy petition filed almost 7 years ago.
Product: Payday loan, title loan, or personal loan

Self lender falsely reported 30 day plus delinquency late payment on my credit report for my XX/XX/2019 payment after I set up auto pay in XX/XX/XXXX for the payment to be auto devoted on XX/XX/XXXX and I have the screenshot, however I logged on the account today and saw that autopsy was not reflecting. I immediate re enabled and contacted self via chat and got no help. If the late fee and my credit report is not corrected to remove the erroneous 30 day late payment, Ill be contacting the CFPB. I ask for it to be escalated and was told they have no corporate office and it could not be escalated
Product: Debt collection

First Credit Service continues to contact me about a supposed debit that my wife owes. Will not share information with me, will not mail information to us. At least XXXX phone calls per day, this is harassment.
Product: Credit card

I called the company, but no one was able to give me information in this regards I was transferred to different departments. When I did reach someone, they had to check with a supervisor, and nothing happened. I did not get a satisfied answer. I want more of the principal payments to apply to the cards so I can pay them down.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

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
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my BoM account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent OLLO CARD SERVICES a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

By OLLO CARD SERVICES still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016.

OLLO CARD SERVICES duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. OLLO CARD SERVICES has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.
Product: Debt collection

I was contacted by NCSPlus stating I owed money to XXXX University ( XXXX ), I disputed the debt and requested transcripts particularly grades and assignments of classes that I allegedly took, attendance records, I also requested documents with my signature agreeing to pay for any classes. Thirty days went by without a response, around the two month mark they sent a letter stating they verified the debt, yet they provided absolutely none of the requested documentation. I never took any classes from XXXX, as a matter of fact I was attending another college at the very same time, taking the same courses, they were stating I was taking at XXXX. I have documentation from the other college, USPS receipt and copies of correspondence from NCSPlus
Product: Credit reporting or other personal consumer reports

I recently discovered fraudulent accounts and inaccurate information being reported on my credit report and I asked the beaus to conduct an investigation on XXXX XXXX XXXX I attached my drivers license, social security card and a utility bill and instead of conducting an investigation they responded with a stalk letter saying that they cant verify my identity. This inaccurate information is hurting my ability to obtain credit it is my right to have true and accurate information being reported about me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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
Product: Money transfer, virtual currency, or money service

XXXX XXXX t

o tomany 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Mr Cooper the loan servicer requires an escrow account for XXXX county property taxes. They are due in two installments. One in XX/XX/XXXX and one in XX/XX/XXXX of the next year. I am in the Calif Property Tax Postponerment program for low-income seniors and Calif pays these property taxes. They pay both installments in XX/XX/XXXX. But each year Mr Cooper pays the first one in XX/XX/XXXX even though I've repeatedly told them not to. So I have to get back the double payment from XXXX county which takes a lot of time and trouble. It is over {$3400.00} and I'm really not able to do without this much money. Furthermore Mr Cooper keeps me paying into escrow for the 2nd installment which has already been paid! 
I have repeatedly contacted Mr Cooper 's representative XXXX XXXX about this and he is absolutely unwilling to help. He has hard copies of the paid taxes from the county but refuses to credit them and does not respond to email or phone calls.