23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the paperwork? Several of the accounts listed are inaccurately reported.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX ; I received a call from Amscot in regards to a payday loan. I was informed the Amscot representative the loan was already paid off. I was then told by the representative, the payment on XX/XX/XXXX was returned on XX/XX/XXXX. However, the payment was received on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute of Credit Reporting Practices Section 1681o FCRA Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the credit reporting practices and failure to comply with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, related to negligence in reporting accurate information. I have reason to believe that your company has failed to fulfill its obligations as a consumer reporting agency ( CRA ), and as a result, I am requesting immediate action to remedy the situation. 

Specific Allegations : Failure to Provide Accurate Information : As per FCRA Section 1681o, a consumer reporting agency is liable for negligence in failing to maintain or report accurate credit information. I have discovered discrepancies and inaccuracies in my credit report, which I believe your company has failed to rectify in a timely manner despite prior notifications of these issues. 
Negligent Reporting Practices : It is my understanding that your company is required to follow reasonable procedures to ensure the accuracy and completeness of the information in my credit file. However, the data you have provided contains inaccuracies that are not only misleading but also damaging to my creditworthiness. 
Failure to Investigate Disputes Promptly : I previously submitted a dispute regarding the erroneous information, but I believe your investigation into the matter was insufficient, delayed, or outright ignored, which constitutes negligence under Section 1681o. The failure to conduct a thorough investigation has caused ongoing harm to my financial reputation. 
Request for Resolution : I respectfully request that you take the following actions in accordance with the FCRA : Immediate Correction of Inaccurate Information : Please update or remove the erroneous items from my credit report, as I believe they are inaccurate, misleading, or incomplete. 
Written Confirmation : Upon resolution, kindly provide written confirmation that these inaccuracies have been corrected and that my credit report has been updated accordingly. 
Failure to Comply Notice : If your investigation determines that these discrepancies can not be corrected or resolved, I require a full explanation as to why your organization has failed to meet the standards outlined in Section 1681o of the FCRA, which holds parties responsible for negligent reporting and failure to act.

Please note that under the provisions of Section 1681o of the FCRA, I may be entitled to seek civil damages as a result of your companys negligence, including actual damages, statutory damages, and attorneys fees if this matter is not resolved in a timely manner. 

I expect to receive a response to this dispute within 30 days as required by the FCRA. If you need any additional documentation or further information, please feel free to contact me via [ phone number/email ]. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Worst loan experience EVER!! At the end of XXXX I purchased a XXXX. On my paperwork from XXXX all it said was that my XXXX  payment would be due XX/XX/XXXX, and the terms of the loan - no information on who held the loan. I am in the XXXX Club so when XX/XX/XXXX approached and I had no welcome letter, no loan information, no payment book - ABSOLUTELY NO communication at all- I went into my credit report to see who held the loan. BMO. On XX/XX/XXXX- with still NO communication from BMO- I called THEM. I had the BMO agent help me set up an account, and set up double payments ( loan is for $ XXXX and I set it up for {$200.00} every XXXX weeks ). On XX/XX/XXXX I received the payment books in the mail, and my electronic payment went through my bank. Later that night, I received an e-mail from BMO, and today ( XX/XX/XXXX ) I received a call to my personal phone AND MY BUSINESS PHONE that they were not even supposed to have muchless call. I called BMO not once but twice today, the first time at XXXX being told everything was ok and the second time at XXXX with the BMO agent telling me my payment was over XXXX  days overdue. Once I verified that my bank showed the payment was made yesterday and how I called them to set up the payments without ANY information from them, I asked for a supervisor. Of course, no one is available and I am to wait for a return call. WOW! I will tell you that I am going to pay off this loan as fast as possible and NEVER do business with them. 
I am waiting for : XXXX ) my boss called me but I was judging middle and high school students ' speeches all day. Her call followed one I see to my WORK number. XXXX ) the promised call from the BMO supervisor XXXX ) this better NOT go against my credit and XXXX ) I STILL DON'T HAVE LOAN INFORMATION FROM THEM! Worst bank EVER!
Product: Mortgage

We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?!
Product: Debt collection

my mortgage has been paid off since XX/XX/XXXX through the bankruptcy of XXXX XXXX. Ocwen reported this to IRS that the debt has been paid in full. my property has a pre-foreclosure notice since XX/XX/XXXX and I sent Ocwen a " written request ' to justified the mortgage debts that balloons up to {$3.00}. XXXX. Today, XX/XX/XXXX, I received their response and have no intention to correct any errors on their records. Ocwen fraudulent misrepresentation is still continuing to affect homeowners of their deceptive practice of collecting a paid off debt. The XXXX XXXX penalty is not a deterrence for them to follow the government regulations, for Ocwen, it is still business as usual even though there was a pending lawsuit against Ocwen in Florida by CFPB, not updating their records through their use of technology that spits out incorrect information that damage homeowners as a whole. I can provide documentation to prove their misconduct. thank you.
Product: Mortgage

As a XXXX XXXX veteran, my wife and I reluctantly closed on a loan ( XXXX ) in XXXX, NV with Navy Federal Credit Union and XXXX XXXX XXXX for {$320.00}. Because of their miscommunications and incompetence, they put our financial future at risk by not delivering our closing documents to the title company in a timely manner. The contract on the single-family residence was to be executed by XXXX19 which they assured us it would be completed and submitted before this date. However, when we showed up for our XXXX closing on XXXX19, the staff at XXXX stated that we were not cleared to close because NFCU had not  submitted the loan documents yet. This was very alarming because it not only jeopardized us losing the deal but also our {$5000.00} earnest money deposit, which was decided by NFCU to be rolled into the closing cost and not returned to us at the closing which was what we wanted, {$600.00} appraisal fee and {$320.00} inspection fee. Consequently, we had to sign the incomplete loan package or loose our hard earned money. At the closing, we were shocked to find the following items were missing or incomplete : 1 ). Did not include a Truth in Lending disclosure to fully explain the terms of the loan.

2 ). Did not include an Amortization schedule.

3 ). Parcel ID number was missing from multiple pages.

4 ). Did not include pest inspection invoice that was submitted at least twice.

5 ). Told us that we were responsible to go back home and wire a penalty cost transfer {$1100.00} to NFCU which was no fault of ours but rather NFCU not being able to have the completed paper work timely to XXXX. 

I explained from the start of the loan on XXXX19 that I needed the EMD back after escrow so that I could make repairs to the house. 

XXXX, NFCU loan officer told us we had to bring {$1100.00} to the closing just to do the deal but actually it was to be wired. They actually penalized us for their fumbles and mistakes. I feel like I was bullied and strong-armed into the loan. Looking back at this experience, it was a horrible business encounter that I wouldn't wish upon anyone. Especially veterans who trust NFCU to protect their hard earned money and investments. 

I'm still in shock! How could this happen? I don't know what to do. I would greatly appreciate some help and expertise in this matter. I would like to get my money back and start over with a different lender. I don't feel comfortable with this loan which could lead to a financial disaster for my family ... .Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to 3rd party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX my Data was Furnished without my consent, Via emailed copies to XXXX XXXX, and Lexis Nexis. This is a violation of my privacy, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

In XX/XX/XXXX I sent in the paperwork to have my employment certified as an eligible employer for the XXXX. On XXXX XXXX, XXXX Fedloan sent me a letter saying they could not certify my employment since my employer had not listed my start date in section 3. They stated my employer needed to call Fedloan and provide the missing information. My employer, specifically our district clerk XXXX XXXX, called and spoke to Fedloan. On XX/XX/XXXX they sent me a letter totaling the payments that I had made that would count towards XXXX. This letter did not count the most recent year on any of my loans. It just stated the number of payments I had previously made. It did not add any payments for the loans they had acquired after I consolidated my other loans. I did not change jobs so there should have been no reason to not certify the new year 's employment. On XX/XX/XXXX they sent me a letter saying they needed additional time to determine if my employment qualified. On XX/XX/XXXX they once again sent me a letter totaling eligible payments, but still not adding the payments for the last year and not including any payments made on the loans they acquired after my consolidation a year earlier. 

I received no further communication from Fedloan so I resubmitted the form in XXXX of XXXX. Fedloan sent a letter on XXXX XXXX, XXXX saying they had the application but needed time to determine if my employment qualified. Again, I was and still am, employed buy a XXXX  school, XXXX XXXX  qualified. On the XXXX they sent me a letter saying they needed more time to determine if my employment qualified. I did not receive an answer after this so I sent the form in again in XXXX of XXXX. On XX/XX/XXXX they said we have your application. They were reviewing the application to determine if employment qualifies. Now, at the end of XXXX I still have not gotten the certification of employment, they have not communicated about the number of qualifying payments. When I called and asked what was the delay I was told " it's the government, it takes a while to get an answer.
Product: Credit card

I purchased a bed for XXXX {$1400.00} from Sleepys in XXXX XXXX. I would 've paid for the bed in full at that time. However, I was pressured into taking a 'no interest ' 12 month loan ( which was sold by Synchrony Financial ). I then setup the account for minimum monthly payments ( which I planned to change when 1 yr was up ). However, I just went into the account and noticed that on XXXX XXXX I was charged a FULL YEAR OF INTEREST ( at 30 % APR!!!! ) retroactive from the time of purchase. Nobody EVER said anything about there being a retroactive charge. In fact, I worked in finance ( at XXXX Bank ) for 8 years ( until I switched industries last year ) and have NEVER heard anything like this before ( it 's such a scam!!! ). At the ABSOLUTE LEAST, they should be required to make it EXTREMELY CLEAR ( and get verbal affirmation ) that they charge you a full years interest if not paid in full within 12 months. I 've been charged {$620.00} in interest for a {$1100.00} bed purchased about 15 months ago! I 've just gone in now and paid this in full. But, it is totally ridiculous!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Debt collection

XXXX XXXXXXXX XXXX XXXX  incorrectly sent my {$240.00} account balance for collection to XXXX. After contacting XXXX XXXXXXXX XXXX XXXX they agreed that the account was incorrectly sent to XXXX and XXXX out my balance ; and also informed XXXX of the same. XXXX XXXX XXXX XXXX  who was the original creditor has agreed to REMOVE and DELETE the collection account. I paid XXXX XXXXXXXX XXXX  directly and at no point have I made any payments to XXXX. XXXX has XXXX out my account but has not removed or deleted from my credit report it causing damages to my credit. Each time I call XXXX   customer service, I get completely differing answers from each representative causing me to go around in circles. I am unaware of the validity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/23 I received an email from Mohela that my automatic debit had been suspended. When my loans transferred from Federal Student Aid, I was assured that this information would be carried over -- and I followed all directions and verified that they had my auto debit info. Mohela must have lost it, which will cost me time and increased interest payments. The morning of the email, their website was down for maintenance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting or other personal consumer reports

While I was looking at my consumer credit report I saw numerous inquiries I did not authorized.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report that I did not authorize on XX/XX/2023 for xactus avantus rocket
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA all unverified accounts must be verified as accurate information in order for it to appear on my credit report, or, if the accounts are unverifiable it must be removed from my credit report. 
XXXX CO XXXX account # XXXX claims that I owe XXXX XXXX As an unverified account I demand that proof of debt and also proof that the court order was presented with a seal and signed by a clerk under case law 28 USC 1961.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the XXXX of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems has repeatedly called me in attempt to collect a debt that was paid in full by my husband. I have been harassed and talked to in a disparaging manner and would like this company to stop reporting this to the bureaus as this account has been paid in full.
Product: Credit reporting or other personal consumer reports

I woke up this morning to see unauthorized inquiries on my credit report, and I have no idea where they came from. I checked my report as I always do, but this time, there were discrepancies that werent there before. I even refreshed my browser to check if it was a temporary issue, but it didnt fix anything. The unauthorized inquiries are still there. I demand that the documents Ive submitted be reviewed immediately to prevent any further concern on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Debt collection

PennCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PennCredit sent a demand for payment dated XX/XX/XXXX in the amount of {$290.00} from XXXX XXXX XXXX. I have a Final bill from XXXX XXXX in the amount of {$79.00} dated XX/XX/XXXX. This has went through several companies and each one has dropped it because of lack of proof. In XXXX XXXX XXXX admitted a glitch in their billing system and couldn't find what the extra on the bill was for, but has continued trying to collect an amount way over actual amount owed. PennCredit decided to turn it in to all three credit reporting agencies without proof of debt. Responded with a dispute letter but said they never received it and was possibly due to a recent address change. Turned the unproven debt into all 3 reporting credit bureaus before I could answer their demand. Brought my credit score down 50 points seriously damaging my credit score.