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

I had a home loan with Bank of America back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. Bank of America shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT BANK OF AMERICA OFF MY REPORTS, I HATE THAT BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

We just learned today of yet another credit reporting company Innovis after our information was hacked through XXXX. We had put credit freezes on the other bureaus several years ago and upon learning of Innovis are trying to do the same. Innovis has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation! 
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen. 
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period? 

We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People,  will rise!
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase. 

Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution.

Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute.

I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer.

I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute.

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

In XX/XX/2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX chose to forgive the debt and I was sent a 1099-C. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Product: Credit card

Dear Barclay Vice President, I am writing to express my concern regarding the ongoing lack of communication and clarity surrounding the documentation needed for my claim. Since initiating this process, I have not received any instructions or requests from your team on submitting any necessary documents. This has caused unnecessary confusion and delay. 

Furthermore, I would like to address an inaccurate statement made by Barclayview. A representative I spoke with on XX/XX/XXXX, informed me that calls were being recorded. However, in subsequent voicemails, I was told that failure to contact you within two days would result in my case being closed. Yet, I have not been provided with any clear instructions or requests for documentation, which I believe has prevented me from responding within the required timeframe. 

Additionally, I would like to personally thank XXXX, the Vice President of Barclayview, for making a false statement regarding the substantiation of my claim. In your correspondence, you stated that the dispute representative I spoke with assured me my case would not be closed due to my contact. However, you then mentioned, I have reviewed the telephone interactions that you had with our representatives. Unfortunately, I can not substantiate this claim. I can substantiate this claim, and I am confident in the accuracy of my records. 

I am also highly concerned about the errors in your recent correspondence. You stated, Our records show on XX/XX/XXXX, you submitted a digital dispute claim for the transaction XXXX XXXX in the amount of {$50.00}, posting on XX/XX/XXXX, for the reason of an altered amount. The claim was completed on XX/XX/XXXX, and a letter was sent to you acknowledging receipt of your dispute. However, I am genuinely confused by this as the transaction in question clearly occurred in XXXX, yet your records show a claim completed in XXXX. This discrepancy needs immediate clarification as it directly impacts my ability to address the situation properly. 

Given these ongoing issues, I would appreciate immediate clarification on the following : What specific documents are required from my end to process this claim? 
How can I properly submit these documents to ensure my claim is handled correctly and not closed due to miscommunication? 
Confirmation that future communications will be clear and accurate and provide actionable steps to avoid further confusion. 
For transparency, I have been recording all voicemails and calls regarding this case. I sincerely hope this issue can be rectified, but if this matter is not resolved promptly, I will explore all legal avenues available to me. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to XXXX XXXX XXXX XXXX XXXXXXXX of this title, any ( XXXX  ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit that highlighted significant shortcomings with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, neither Zelle nor my bank properly investigated my claims. I was told that recovering the lost funds was not possible and that tracking the transactions could not be done. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, putting users at risk of scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the safety of consumers.
Product: Mortgage

Sps has wrongfully taken my home. Naca was informed on XXXX XXXX that my property had no sale date. The sps rep advised this information directly to Naca via a phone call. Sps dropped the ball not advising to myself or Naca that the attorney handling foreclosure advised that the sale date could not be postponed due to timing. Please advise to me why the sale date for the XXXX was moved??? All of this happening why my file was being reviewed with sps as well as mailed notifications that the file was under review with no notification that sale date was not able to be modified sps has the ability to retract the sale that took place today XXXX.
Product: Credit card

Someone falsely opened a credit card with Revvi in my name. I informed them multiple times I did not open said card. They continually harass me and report to my credit card company. I made payment arrangements for them to close the account once paid. I made the payment and they continued to request payments and report negative activity to my credit.
Product: Debt collection

This account was closed due to identity theft reported to the FTC under XXXX XXXX XXXX XXXX and closed. It should NOT be reporting negatively on my reports. PLEASE DELETE COMPLETELY FROM MY REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquiry from capital one bank on XX/XX/23 From XXXX
Product: Student loan

I attended XXXX XXXX. I submitted an application to Navient for School Misconduct Discharge for private loans as my situation fits the requirements for discharge. I received a denial letter from Navient with absolutely NO reason why it was denied or a request for more information. I called Navient to get a reason for the denial and what I needed to submit in order for the application to be considered and was told that theres no reason on file so they cant tell me why. No request for evidence or support documents was given to me and no reason was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN XXXX HOURS BUT INQUIRES ARE STILL THERE
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Today, XX/XX/XXXX, a new company in XXXX Texas called me about an old debt from XXXX which I have disputed many times and waited for it to be deleted from my credit report. 
The collection account was deleted from the credit report per the fair reporting standards and have been off the credit report for almost a year. 

Now that I am currently seeking to purchase a home and in conversations with lenders and getting praised for demonstrating good progress with my credit worthy, someone ( who is invading my privacy ) is deliberately trying to defame my character and sabotage the current praise and opportunity by bringing up old debt that was disputed and expired from my credit report. Someone has even went so far as to target me by searching for the old debt to purposely transfer it to a new company who would pursue and/or recreate the account to restart the derogatory reporting to the credit bureaus after previous debt collector removed it. This is all to directly sabotage or threaten me during my attempt to purchase a home. 

When speaking with their representative she explained that they were a new company assigned to the debt in XX/XX/XXXX and that they have not been in contact with me because they just got the account and finished the waiting period. She also threaten us by saying that they do have the right to restart the process of reporting it again to the credit bureau and that it was not called re-aging. 

I begin questioning why they have all of a sudden contacted me now after having the debt for over 5 months and the debt was over 6 yrs old. I explained that we have disputted this account with the previous debt collection companies and with the hospital and ask not to be contacted about this inaccurate bill that no one could verify or justify in the hospital when disputing the bill. I believe that this may be one of the reasons why the debt was deleted because they could not verify or justify the bill.

So in other words, they are manipulating the law to find a different way by selling debt that has been previously disputed and dropped from a credit report - all to restart a process- to target or harass a person they want to sabotage.
Product: Student loan

I received a letter on XX/XX/XXXX that indicated I would need to recertify my income by XX/XX/XXXX to stay on an Income Driven Repayment program. 

According the the federal Student Aid website, if your recertification falls before XX/XX/XXXX, all recertification dates should be pushed back by a year. 

I have called and spoken to various representatives at MOHELA, and many of them tell me that I no longer qualify for the pushback because XX/XX/XXXX is a " soft date '' and my actual recertification is sometime in XXXX. However, nothing on their website indicates this date on my account nor in any paperwork issued to me. About a month ago, another date ( in addition to the XX/XX/XXXX date ) popped up on my account as recertification required by XX/XX/XXXX. No one I speak with on the phone knows what this date is or can comment on why it's now on my account. This date would also make me ineligible for the one year pushback. 

Not only this, but when I emailed them about this issue on XX/XX/XXXX they did not respond until XX/XX/XXXX with " we see you spoke to a customer representative and have resolved this issue '' although it was never resolved. MOHELA has not provided timely services nor are they providing accurate information as each representative I talk to has wildly different information or advice. They have told me a number of times my date would be changed, but have not honored that since I spoke to them about it in late XXXX. Since that time I've been told that I do qualify for the pushback, that I do not qualify for the pushback, and that I " might " qualify but I have to wait until XX/XX/XXXX to know for sure ( and if it is not fixed, they estimate my payment will become {$5000.00} a month which is not something I can afford. Lastly, they are not honoring what is posted on the federal student aid website, nor honoring dates indicated on paperwork they issued to me on their letterhead. 

There are many, many others with this same issue. We will all be financially penalized and risk defaulting on our student loans given misinformation and inconsistent information provided by MOHELA if they do not get their act together.
Product: Mortgage

During the period of my mortgage with PHH Corporation, force placed insurance charges were fraudulently collected from my account. PHH has been ordered to provide restitution to such borrowers as myself. I have asked PHH for funds to be returned and they are nonresponsive.
Product: Credit card or prepaid card

Dear Sir : I had popular bank XXXX XXXX Visa Card ending XXXX. 
** Annual fee {$140.00} just post and call for cancellation within 30 days grace period. They still no reimburse the credit after card closed. 

Due to Covid-19 issue, I can not make travel and take XXXX XXXX  flight for these years. On XX/XX/21, the next year Annual fee {$140.00} for the card post to my account, when I check my statement around 1 week later, I cann customer service to cancel due to covid-19 issue to make travel difficulties.

Service rep said the annual fee is related to next year, since I called to cancel right after Annual fee post, I don't need to pay, then close account. 

However, when I received account closed mail and check. Account still can login and next annual fee is due. 

I contact them within 30 days grace period of annual fee post, and account has been closed by request, there is no reason to charge me the fee for the unused, closed card. 

their contact us XXXX is hard to reach, most of time is voice mail recording and I only can find some info for dispute Popular Credit Services Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX However, it looks like they force customer to pay the annual fee even card has been closed within 30 days grace period. 

Please let me know if you need more detail info regarding my account #, address, name ... etc to verify I will provide right away to you. 

Your help will be greatly appreciated.
Product: Debt collection

The company is reporting inaccurate information on my credit report. If they could provide original documents and an itemized invoice/bill to determine accuracy.
Product: Mortgage

I, XXXX XXXX XXXX is filing a formal complaint against the servicer on my mortgage. I have been a victim of predatory lending, and it has come to my attention that the servicer has accessed absorbent fees, which has caused the current balance to be higher than the initial principal balance. I have been paying the mortgage for over XXXX years and never occurred a 30 day late. I have faithfully been paying the mortgage and during the life of the loan. I reached out to the servicer when I noticed that the payments were increasing as well as the balance. There has been no transparency and conclusive answers to my questions. Even based on the documentation Ive received, there has been fees added without a proper itemization or explanation. I am a senior citizen and looking to secure my financial well-being. I dont understand after XXXX years of paying a mortgage, why my balance would be higher than the initial principal balance. I have never taken out any loans against the property or refinanced with cash out. 

From my research Ive found, XXXX XXXX XXXX XXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY OWNER TRUSTEE FOR XXXX Master Participation is XXXX XXXX for Select Portfolio servicing. The original owner, Washington XXXX XXXX XXXX went bankrupt during mortgage bubble, and was bailed out by XXXX XXXX XXXX then transferred to XXXX XXXX XXXX. Then, my interest rate was XXXX. Now its XXXX percent. When the loan was modified it was $ XXXX and then after the refinance the principal was XXXX origination and ambiguous fees. To date, the principal balance is $ XXXX or more. Select portfolio is servicing loan currently. 
XXXX XXXX XXXX serviced the mortgage in XXXX. Select portfolio obtained loan in XXXX. 
Select portfolio is attempting to increase monthly payment to cover escrow shortage despite my local tax accessor confirming that there is no shortage and everything is paid to date. I am requesting a full investigation into this matter with monetary compensation. This predatory loan has caused financial, mental, emotional distress and time wasted with no resolve in sight.
Product: Debt collection

In XXXX of 2018 I took out two payday loans with XXXX XXXX XXXX XXXX totaling XXXX. In 4 years and 9 months they had added so much interest theyre now saying I owe more than XXXX.