23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2020 payment of XXXX $ was submitted to Chrysler Capital as a settle in full offering and was advised that this will be deleted from my credit report since the account was considered Paid In Full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act Convergent Account - XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Toyota Financial on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.
Product: Credit reporting

We have a bankruptcy on our credit report that was filed in US Bankruptcy Court in XXXX, CA in XXXX. Experian Credit Bureau is not reporting the bankruptcy correctly and despite our request for proof of validation that they are reporting correctly, they are ignoring our request. All we get back from them is that they have validated the bankruptcy with the court and it is correct. Experian is refusing to follow the Fair Credit Reporting Act and the rules set forth by this act where they have to provide proof to us on how and when the reported bankruptcy was validated and who at the US Bankruptcy Court validated that the information is correct. I have done a lot of research and know it 's my right as a consumer to have this provided to me : " 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 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 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. '' Since the US Bankruptcy Court do not validate or give out any information to Credit Bureaus, they are continuing to give us incorrect information when they state they validated with the court. We have attempted since XXXX XXXX, XXXX to have this matter corrected or deleted by Experian and they continue to deny and continue to report the information incorrectly. This is hurting our credit worthiness. All we have asked Experian to do is to be truthful and provide us with their validation, or if they ca n't provide validation, please remove the incorrectly reported bankruptcy.
Product: Mortgage

My mom passed away in XXXX of 2021. Prior to her passing she gave me power of attorney of her affairs. I began to contact the original mortgage company XXXX XXXX to get information about her reverse mortgage, such as how much was owed and what we needed to do to keep the mortgage validated and current. When my mothers health continued to tried to reach out again. Most recently with PHH the new mortgage company. As with the previous time. They refused to give me any information regarding her mortgage. I am on the deed of trust and still can not get any information. I have submitted proof of the deed and still can not get any information The have now recently sold the mortgage to another mortgage company. They to refuse to give me any information, even after submitting proof that I am on the deed. Property address : XXXX XXXX XXXXXXXX, XXXX, CA XXXX I feel that my rights under Regulation Z are being grossly violated. PHH the current mortgage holder has been stonewalling and stalling me since the email I sent with copies of the deed of trust on XXXX XXXX. 

The phone number I have for PHH Mortgage is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion, XXXX and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Student loan

I applied for the federal student loan forgiveness program and was initially approved, only to later have the program denied in court. Nelnet, my loan servicer, informed me that the US Department of Education had supposedly issued a {$20000.00} check to offset the negative balance in my account resulting from the canceled program. However, I never received this check, and my attempts to resolve the matter with Nelnet have been limited, with only one phone conversation in early 2023 where they explained the {$20000.00} balance I am now expected to pay. This discrepancy has left me in financial uncertainty and frustration, prompting my complaint to the CFPB to seek a resolution.
Product: Student loan

failing me at every stage of repayment improperly applied payments to accounts lack of guidance to repayments did not disclose information needed to lower payments did not disclose information about releasing co signer from loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Experian has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
First Premiere accounts XXXX XXXX accounts and XXXX XXXX WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of SSI I need the credit to be correct and its only right to do so.
Product: Debt collection

I am writing to inform that WELTMAN, WEINBERG & REIS CO., LPA is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including WELTMAN, WEINBERG & REIS CO., LPA. WELTMAN, WEINBERG & REIS CO., LPA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).
Product: Bank account or service

I closed an account with Citibank in XXXX, they did not close the account because it was reopened by a charge. This is legitimate, however I was never informed for 4 months when I finally got a letter stating I had an overdraft of {$110.00}. I called customer service and was told by a manager at the call center that ALL the charges would be reversed and the account would be closed. The following day I do not receive an email confirmation as requested, so I call again to ask another customer representative who tells me that I still have a balance of XXXX. No notes were entered to reverse any charges at all! Nothing was done they basically lied to me about reversing the charges. Finally they reverse some charges and I end up paying a balance of {$59.00} and closing the account. 

{$59.00} is n't a lot of money but it 's just the principle, the fact that a company tells you they will do something then does n't do it, then adds an overdraft charge and makes you pay anyway. I am not interested in Citibank 's response because I know that they will just deny that this ever happened, I just hope that enough people complain about the same thing over and over again that this causes them to be fined by the government. What your customer service team did was unethical and unprofessional you should not have made me pay overdraft charges in the first place since I was n't even aware that the account was open, and you certainly should n't have lied and told me you would reverse all the charges.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach, which has compromised my personal and financial information. As such, I am requesting that all accounts listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are : XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$800.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, experian, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Product: Consumer Loan

On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank and hit my credit once
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian data breach. call center unreachable. 134 million people affected and 2,000 call takers. numbers do n't match. web site unresponsive. information only available thru media. ca n't institute a credit report lock. web site only interested in selling additional products.
Product: Student loan

To whom it may concern : My Federal student loan originated in XXXX with Cornerstone Educational services. In XXXX of XXXX the loan was transferred to Fedloans. I have been pre paying the loan when I can but my payment history did NOT transfer with the loan and now Fedloans shows the entire origination balance of my loan. The federal Student Aid documents are also showing my original balance. I have contacted all parties and have proof of contact. I also have all my payment documents as I used direct drafts from our bank. I have not received a responded nor has either service provider helped. Cornerstone Educational Service seems to be shuttered.

To date, the loan shows the original amount due of {$21.00}, XXXX. Rather it should be {$15000.00}, due to the payments made in the amounts and dates as follows : Payments Date {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wanted to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

Submitted application for income-based repayment and was approved in XX/XX/XXXX. Payments were listed at {$61.00} per month. When I re-applied for XX/XX/XXXX, Navient miraculously discovered an error in their prior agreement and now claims my payment should 've been more expensive and is now charging me {$100.00} for the final 2 months of my XX/XX/XXXX agreement instead of payment amount I 'd been paying for the past 9 months. This leaves me with a few questions : 1 ) was there really an error? 2 ) why was this error not caught? 3 ) why am i being penalized for an error that was not my fault? I put my trust into Navient to calculate the correct repayment figure based on federal guidelines and have chosen to autopay. If Navient was wrong, I should not be on the hook for a larger payment.
Product: Debt collection

XX/XX/17 - This is the 2nd time that comenity bank has contacted me through my employer.  this time they mentioned the call is personal and is being recorded.  The call was transferred to me and I requested they remove my employers number and that they never contact me at this number and they disregarded my request and continued to ask me personal questions to gather other contact info such as a date of payment, an address etc.  I want them to not call my employer.  I cannot have this reflect upon me at my place of employment.
Product: Debt collection

I have contacted XXXX XXXX several times about this item. It was included in my Bankruptcy and should not be showing up on my credit bureau. Attached you will find my Bankruptcy paperwork.
Product: Credit card

I was at the XXXX on XXXX of 2023 and try to use atm, but no money was dispense, but I was charge out my ctedit card I'm been trying to get my money back with no luck, plesase can you help me the amount was XXXX dollars. tanhk you in advance.
Product: Credit card or prepaid card

Regarding my Apple Card thru Goldman Sachs Bank USA. 
Transaction date : XX/XX/XXXX Merchant : XXXX Disputed amount : {$960.00} Disputed reason : Item not received Dispute closed more than 5 times as " The merchant provided sufficient evidence that you made the purchase '' I have purchased from XXXX during the Covid period. I live in an apartment. 
The shipping company was not able to enter the apartment complex during COVID time so they have dropped the product near one of the apartment entrances ( as per the driver of the shipping company ). 

I tried looking for the product everywhere but unable to find it. I contacted XXXX but they were not able to trace so they told me to contact the shipping company. Shipping company after investigation mentioned package is untraceable. 
I contacted XXXX again for help. They mentioned filing a Police complaint and then contact my credit card to raise a claim. Police have closed the case as untraceable. 

I contacted Apple to file a claim and got the claim filed as well. 
After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' I have never ever told that I did not make the purchase, I made the purchase but never received the product so contacted Apple again. The supervisor acknowledged there is a mistake and then reopened the case. 

Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a senior manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Repeated many times. As of XX/XX/XXXX, I received a email with the same response " The merchant provided sufficient evidence that you made the purchase '' The case has been open for around 9 months now with no answers. 

Apple Card thru Goldman Sachs Bank USA is a very good card until you have a problem. Once you have a problem, you will be left alone. 

They did not contact me for any evidence or proof and take decisions all alone. Apple card disputes team do not work well and customer service members are unable to resolve. 

As I read online, 3 months was the deadline for a dispute to be resolved as per Federal law but my case has been going on for 9 months and the Apple card representative acknowledges that there is a mistake.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following trade-line items are because [ Reason ] : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy, FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting, FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information, FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms, 15 U.S. Code 1666b. 

Account Name XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX The Inaccurate accounts that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Should you fail to make the requested DELETION, I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to XXXX, XXXX, And Equifax to dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.