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

XX/XX/2020 - Paid off loan that matured after making payment arrangements to pay {$200.00} every two weeks with the Loan Recovery Department at First Hawaii Bank. I called to make arrangements with them when my loan hit the maturity date and my payments never faltered. 

Today ( XX/XX/2020 ), I was turned down from an auto loan because of this charge off. I called XXXX XXXX, Recovery Agent for First Hawaiian Bank, to ask why they have it reported as a charge off when it was paid in full. She stated that " First Hawaiian Bank reported the loan as a charge off because it was transferred from one department within the same institution to another department. I asked them if they could remove the charge off and she said that by law once the charge off is on, they are not allowed to remove it. I stated that the information is incorrectly being reported because I paid the entire amount of the loan and did not settle any of the amount. I even paid interest on it in which the bank charged me in order to make they arrangements. The information that they reported is incorrect. They agreed to take my payment arrangements and did not explain that they loan would be reported as a charge off even though I made the necessary payment arrangements.
Product: Vehicle loan or lease

A little over a month ago I went to XXXX XXXX to lease a vehicle and they lease me a car full of problems and issues. So I tried numerous times bringing the car into service and they advise me that nothing is wrong with the car whenever I try to get a car scan on the car. A few days later after driving from work the car notify me that the car was XXXX  and begin to see XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the car. I contact the manager at the dealership and they did nothing to assist me during this matter. So I called the loan company which is Stellantis Financial Services , Inc and exampled to them my situation and they advise me that will me send the dealership a cancellation form to close the contact. Now I'm receiving an invoice to pay for a car I longer have or own. The dealership has the car and everything. Stellantis Financial Services has showed me they only care about making money, after notifying them weeks ago about my situation with XXXX XXXX. They provided me with false information about closing my leasing contact with XXXX XXXX. The previous complaint has more details about what happened at XXXX XXXX. But both XXXX XXXX and Stellantis Finanacial Services are participating in bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
Product: Credit reporting or other personal consumer reports

I would like to dispute off this inaccurate accounts from my credit report. Please see below the following items. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$1400.00} XX/XX/XXXX TransUnion : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I would like to re-open the case XXXX. 
The company did not complete the transactions as stated in their response from XX/XX/2021. 
It has been over two months since you received the following response and nothing happened. 

Company 's Response Dear XXXX XXXX and CFPB Team, We have reviewed your complaint carefully and identified the root cause of the issue, as well as a resolution that we hope you will find satisfactory. XXXX XXXX requested closure of his account on our platform and transfer of his remaining XXXX to a destination wallet hosted by " XXXX ''. Under the current XXXX record keeping and funds travel rule ( FTR ) regulations, XXXX companies must collect, retain, and transmit information related to funds transfers over {$3000.00} to all companies involved in a transfer. We have made multiple attempts to contact the destination XXXX company and file a FTR for XXXX XXXX through phone, email, letter, and helpdesk requests, but have not received any response. As a result, XXXX XXXX is among our final few pending customers. We have been in communication with XXXX XXXX throughout this issue. To resolve this complaint, we have notified XXXX regarding the XXXX filing problem and scheduled XXXX XXXX 's XXXX XXXX transfer in full. Sincerely, XXXX DESCRIPTION OF NON-MONETARY RELIEF Dear XXXX XXXX and CFPB, To address your complaint, we have queued up your full remaining balance of XXXX XXXX to be transferred to the XXXX address provided by you. We will update this answer with a transaction confirmation ID as soon as your balance transfer transactions are confirmed by the XXXX network. Sincerely, XXXX
Product: Student loan

In 2015 my accounts were supposed to be in forbearance with a monthly payment of XXXX, I frequently received calls stating my payment was late and each time had to explain that it was supposed to be in forbearance. I was reaffirmed it was taken care of but it never actually was, on my credit report I can see that in 2015 I have a negative remark as a 90 day + late payment and then a couple of months later it shows that I was caught up again despite having not made a payment because it was in forbearance. I feel the loans have not been clearly defined and the help we receive when we ask for it is either inadequate or misleading.
Product: Mortgage

On XX/XX/2020 I was in the process of looking for a XXXX refinance for my VA loan. I found Freedom Mortgage online and submitted my interest in applying for a IRRRL. There website seemed thorough. Within ten minutes I received a phone call back from a gentleman named XXXX XXXX, from Freedom Mortgage. He said he was in the business for 20 years and could help me if my credit score was above XXXX. I said it was. He proceeded to ask me questions such as : What was my home valued at? How much do I owe? He proceeded to calculate how many years I had left to pay '' 27.92 years '' was his response.He wanted to know my homeowners insurance company and the cost per month, as well as my annual taxes and " are they paid in my mortgage and when do I pay for them. '' What is my yearly income? He explained that there will be a {$950.00} funding fee since we did not have a rating on my husbands XXXX. He told me I would not have to bring any money to the closing table and it should take about 30 days to process. There would be no appraisal. My percentage rate would be 2.99. He pulled a soft credit and I have received the report. The problem is when I checked in with him about a week later, he said he was no longer with Freedom Mortgage. He had a sad story that he was pulled from doing loans and I asked what happened with my loan and there was nothing. He gave me a name of someone else at Freedom Mortgage and when I called her she was driving and thought I wanted a job with Freedom  Mortgage. Come to find out she does not do loans but is a recruiter. I was truly hoping to refinance so I it would help my monthly bills. I am frustrated because I thought we completed an application over the phone with all the information I provided and getting a soft pull on my credit verified that for me. That also put a dent in my credit so when another company looks they will notice that pull. I did not want to lose the 2.99 percent for my refi. I will look for another company. But, I felt that I should make a formal complaint. I am very concerned that my  Personal information may have been jeopardized in some way and feel very vulnerable.
Product: Mortgage

XXXX. I am the homeowner/borrower in the instant case. 
XXXX. I own a single-family residence located XXXX XXXX XXXX, XXXX, New Jersey XXXX XXXX I purchased my home on XX/XX/XXXX. 
XXXX. The purchase allowed me to realize my goal of becoming a homeowner. 
XXXX. I am a single parent of four children. 
XXXX. The purchase also allowed me to provide a high quality, safe, nurturing environment for my family. 
XXXX. In XXXX or XXXX I had financial difficulties which resulted in several missed mortgage payments. 
XXXX. To address the missed payments and the other financial difficulties I filed a XXXX  XXXX XXXX case in XXXX. 
XXXX. During the case I endeavored to obtain a loan modification so that I could retain my home and resume regular mortgage payments. 
XXXX. During the last year of my XXXX XXXXXXXX case I was offered a loan modification by Freedom Mortgage. 
XXXX. In or about late XXXX or early XX/XX/XXXX, my mother and I signed the loan modification documents provided by Freedom Mortgage. 
XXXX. My attorney XXXX XXXX XXXX, XXXX notarized the documents and sent them to Freedom Mortgage. 
XXXX. In various conversations with Freedom Mortgage, they have acknowledged that they received these documents on XX/XX/XXXX. 
XXXX. I commenced the payments required by the loan modification in XX/XX/XXXX. I made every payment required in a timely fashion. 
XXXX. In XX/XX/XXXX I noticed that Freedom Mortgage had not cashed my check 16. On XX/XX/XXXX I spoke to XXXX, a customer service representative with Freedom Mortgage. She advised everything is fine with your modification and you dont have to worry about anything. She further advised that loss mitigation approved the loan modification, and someone will call me. 
XXXX. On XX/XX/XXXX I spoke to another representative with Freedom Mortgage that indicated my loan modification was being rejected. 
XXXX. The representative indicated that Freedom Mortgage had an issue with the signatures on the loan modification agreement and had sent a new loan modification package to my and to my attorney on XX/XX/XXXX. 
XXXX. The representative also claimed that Freedom Mortgage attempted to contact me numerous times and sent various correspondence requesting that I contact them. 
XXXX. I have never received a letter, phone call or voice mail that the loan modification documents were defective and needed to be resigned. From my conversations with my attorney, he has indicated that he did not receive notice of any issues either. 
XXXX. I performed as required pursuant to the terms of the loan modification. 
XXXX. From what I can gather the issue with the documents is clerical, or ministerial and should not prevent the agreement from being enforced. 
XXXX. For the reasons above I respectfully request the Court enter an order requiring Freedom Mortgage to accept my payments and honor the terms of the loan modification agreement I entered with Freedom Mortgage. 
I CERTIFY THE ABOVE STATEMENTS ARE THE TRUTH. I UNDERSTAND THAT IF ANY OF THE ABOVE STATEMENTS ARE WILLFULLY FALSE, I COULD BE SUBJECT TO PUNISHMENT.
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.

The accounts below have violated my rights.

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.

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 ) ( a ) 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. 

Delete the accounts below : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I called Chase Bank concerning the annual fee for my credit card at the end of XXXX. The customer representative said that my fee could not be waived but told me that I would have up to 90 days to close the account if I did not want to keep the card. When I called in on XXXX XXXX to cancel the card and get my annual fee refunded, they said that they were unable to refund the fee. When I told them that the representative said I had 90 days to close the account and get my fee refunded, they were unconcerned and unhelpful.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my credit report I noticed some inquires that I did not approve anyone to pull my credit report
Product: Debt collection

Company : JEFFCAPSYS Account XXXX : XXXX I am unaware of this alleged debt. I did not have the opportunity to dispute this debt previously, as I did not receive proper notification. If you believe I received proper notification, please provide evidence of the certified mail with the delivery receipt showing my signature, confirming that I received it. Without proof that I was properly notified, I can not confirm the validity of this debt claim. Please supply the appropriate documentation demonstrating proper notice was provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights! I have attached all the details in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 this item 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: Debt or credit management

I'm not accused of Paypal he says I took a credit of {$1500.00} I don't recognize having taken a credit with Paypal
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. As a victim of a data breach, these accounts were added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00}
Product: Credit card or prepaid card

I received a mail offer for a credit card from First National Bank of Omaha for a XXXX XXXX credit card. The offer stated that there would be a 5 % transfer fee on all balance transfers and then an 8.99 % APR for the life of the transfer if done within the first 3 billing cycles. I applied and was accepted. After receiving my card the terms were different. They stated 0 % XX/XX/XXXX until XX/XX/XXXX then 23.99 % after that. I called the credit card company and they advised their original offer was a " typo '' on their end. I then contacted the BBB and 2 weeks later on XX/XX/XXXX I received a letter from First National Bank of Omaha saying they will honor the original terms. And, the interest would be 0 % until XX/XX/XXXX and transfers would be 8.99 % after that for the life of the loan. Today is XX/XX/XXXX and I am still unable to make the transfers because the bank has not fixed the terms on their end. I am accruing interest on the cards I want to transfer daily. I just want them to do what they said they were going to do. I have called and sent several emails to the bank and have spoken with countless managers and supervisors. They have all stated that they do not know when I will be allowed to make the transfers because they do not know when the terms will be updated. This is ridiculous. I do not understand what is taking so long. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/18 to ask why they were displaying inaccuracies in my credit report. Transunion stated that I disputed the items but when I call in to get the results the reps just hang up in my face. It is very hard to get anything done with Transunion because the reps leave you on hold for hours then when you finally get to speak with a rep, they hang up in your face and you have to do it all over again. Its been over 30 days since I disputed the inaccuracies and I never received a response from Transunion.
Product: Credit card

there is a late payment in account that need to be removed from my credit report.
Product: Checking or savings account

Closed my account because of a disagreement with branch managXXXX and never being able to get online banking. I was treated as I was not telling the truth in regards to an ATM eating a deposit. Even though I had a receipt of proof and time. There was also a ticket for maintenance during the time frame. All that being said I advised the branch manager at US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX to close my account. Not a care in the world because of my frustration the branch manager said I can not close the account because you have pending charges. I took cash out of pocket to clear the outstanding balance and any pending charges. Keeping in mind the ATM the night before ate a deposit of around XXXX XXXX dollars. Once I provided the manager with cash out of my pocket I was told the account was closed. Months later I discover the account was not canceled and I owed money for a pending transaction that came out before I canceled my account. I also want to mention I did get a refund check for the money the ATM took from my deposit around a month after I canceled my account. A refund check was sent to me in the mail. If I owed anything, why was the money not taken out of the refund amount. Just to recap that is the whole reason I paid cash out of pocket. I have requested documents to verify information and I was denied. I was never able to access my online account from day one of opening my account. This was another reason I wanted my bank account canceled. I am unable to get any help from the branch I had the issue with. I have wrote a letter to the attorney general in regards to this as well I hope this complaint reaches the right people. I have been turned into collections and I think this needs to be reversed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I had XXXX XXXXXXXX and was in ICU for 9 days and pregnant at XXXX weeks. After my hospital stay and delivery, I notice a late 30 day payment on my capital one credit card account. I sent multiple letter stating to them to DELETE the late payment and stop furnishing that late payment to the credit reporting agencies ( XXXX, XXXX, and XXXX ) they sent me letters that the account was accurate. I explained them that it was not about the accuracy of the account but non consent to report. I further explain that they were violating me under 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS. That states that the experience that I am having with them are not supposed to be reported without my consent. Non consent is identity theft. I am suffering actual damages right now because no lenders want to loan my money, I can not get a mortgage or stable employment.