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

Experian has ignored me for far too long, and I refuse to tolerate this blatant negligence any longer. I have disputed this issue multiple times, yet Experian continues to disregard my rights and refuses to take corrective action. My payment status is still being falsely reported as " Current, was past due 30 days '', which is completely inaccurate. Both XXXX and XXXX have correctly reported it as " Paid or Paying as Agreed, '' but for some absurd reason, Experian insists on keeping this false information on my report as if it were set in stone. This is no longer just incompetencethis is outright reckless and willful noncompliance with federal law. Experian is in direct violation of 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy in my credit report. Despite clear evidence and multiple disputes, Experian refuses to correct this glaring inaccuracy. Additionally, under 15 USC 1681i, credit bureaus are legally required to conduct a reasonable investigation and correct errors when a consumer disputes them. Lets be honestExperian has done nothing remotely close to a legitimate investigation. If they had, this issue would have been resolved long ago. Instead, Experian continues to allow this false and damaging information to remain on my report, completely disregarding its duty to uphold the law. Furthermore, 15 USC 1681b ( f ) states that no entity can report or access credit information without a permissible purpose. By knowingly misrepresenting my payment history and refusing to correct it, Experian is actively violating my rights and exposing itself to legal consequences under 15 USC 1681n for willful violations and 15 USC 1681o for negligent violations. This deliberate misconduct is harming my financial standing, and I will not allow it to continue. I AM DEMANDING THAT EXPERIAN IMMEDIATELY CORRECT MY PAYMENT STATUS TO " PAID OR PAYING AS AGREED, '' JUST AS XXXX AND XXXX HAVE PROPERLY DONE. EXPERIAN MUST ALSO FIX ALL INACCURACIES IN MY PAYMENT HISTORY WITHOUT DELAY. IF THE OTHER BUREAUS CAN GET THIS RIGHT, THEN WHAT IS EXPERIANS EXCUSE? THEIR ONGOING FAILURE TO ACT IS NOT JUST NEGLIGENCEIT IS A WILLFUL AND MALICIOUS DISREGARD FOR THE LAW. I HAVE HAD ENOUGH OF EXPERIAN 'S DELAYS, EXCUSES, AND UNLAWFUL REPORTING. IF THIS IS NOT FIXED IMMEDIATELY, I WILL PURSUE ALL LEGAL REMEDIES AVAILABLE TO HOLD EXPERIAN FULLY ACCOUNTABLE FOR THE DAMAGE IT HAS CAUSED.
Product: Credit card or prepaid card

I'm.going thru hardship on my bills. My mom passed away few months ago. Was her caregiver good son. Im.hoping too get this months payment waived. I've always been on time. Just need a break. Going thru alot. Not easy
Product: Credit reporting or other personal consumer reports

I have a closed account/CHARGE OFF on my credit report that needs to be removed immediately because it violated my consumer rights XXXX XXXX ACCOUNT NUMBER IS XXXX DATE OPENED XXXX This collection is inconsistent and inaccurate on all XXXX credit reports
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the practices XXXX which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Upon reviewing my credit report provided, I discovered several inaccuracies and discrepancies that have had a detrimental impact on my financial standing and personal well-being. These discrepancies include inaccuracies, such as erroneous account information, incorrect payment history, and unauthorized inquiries. 

I would like to draw your attention to the following sections of the FCRA, which I believe XXXX has violated : 15 U.S.C. 1681e - Accuracy of Information : XXXX is required to maintain reasonable procedures to ensure the accuracy of consumer information in your files. The inaccuracies present in my credit report demonstrate a failure to fulfill this obligation, resulting in adverse consequences for me. 
15 U.S.C. 1681i - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute regarding the accuracy of information provided by a consumer reporting agency, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my previous attempts to dispute the inaccuracies in my credit report, XXXX has failed to conduct a thorough investigation and correct the errors. 
15 U.S.C. 1681g - Disclosures to Consumers : XXXX is required to provide consumers with access to their credit reports and disclose the information contained therein. However, the inaccuracies in my credit report suggest that XXXX has failed to provide me with complete and accurate disclosures as mandated by the FCRA. 
I demanded that XXXX take immediate action to rectify the inaccuracies in my credit report in accordance with the FCRA. This includes conducting a thorough investigation into the disputed information, correcting any inaccuracies, and providing me with a revised credit report reflecting the accurate information. 

Furthermore, I requested that XXXX provide me with a written explanation detailing the steps taken to address my complaint and prevent similar issues from occurring in the future. 

Failure to comply with the provisions of the FCRA may result in legal action being taken against XXXX I trust that they will take this matter seriously and promptly address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are inaccurate and negatively impacting my credit score.
Product: Debt collection

CBM didn't apply payments to accounts as agreed. CBM took payments on accounts, that the original detour also took payments. CBM failed to report accurate statement balances to the original debt holder and notify the original detour of accounts paid in full. CBM failed to supply accurate account information as requested. CBM failed to reply to requests of validation and verification of debts. They threaten to sue if payments are not made. CBM has not updated there collections to the original detour. There representatives are rude and hangup on you. CBM failed to work with the amount owed, and insisted on full balances being made. CBM has increased the amounts owed, that don't correspond to the current accounts.
Product: Credit card or prepaid card

On XX/XX/2019 I logged on to usdirectexpress.com, I transfered approx XXXX  to my checking account and received a confirmation number. It specificaly said on there website that if the transfer does not go through that you will be notified. I was not notifed!
XX/XX/2019 I called direct express customer service and spoke with level 1 and level 2 customer service. I was told that they have been having technical issues with there website transfering funds to checking accounts and that it is not possible to do tranfers on there website anymore and they are advising customers to use there automated phone service to do tranfers to checking accounts. I had them connect me to the automated service and I requested the funds to be tranfered to my checking account and was given a confirmation number.
On XX/XX/2019 I called again because I wanted to make sure there would be no issues this time around. I spoke with level 1 customer service and was told that everything looked good on there end and that I should have the money in 5 days. I asked to speak with his level 2 manager because I did not want to take any chances with being given wrong information, such as happened in the past! He connected me with "XXXX" employee id #XXXX. I explained my situation to her. Explaining that this issue arrised on XX/XX/2019 and that I really needed my funds. After about 30 minutes of going back and forth with her she advised me that there is a NEW policy for tranfering funds to a checking account and that you must submit a copy of your state ID and copy of your checking account statement and that it must be emailed to XX/XX/XXXX and that it takes them 5 business days to process and approve.Then once its approved I can request a transfer again for the 3rd time and that I would have the funds 5 days after the transfer. I explained to her that I needed the funds urgently and pleaded with her to transfer me to the advocacy department or provide me with there phone number, she said it wasnt possible. I continued to ask her for options such as a corporate number and so forth. She said she had no other options for me and that she was disconnecting the call. She abruptly hung up on me!
THERE ARE OBLIGATIONS FOR PREPAID BANKING COMPANYS OR ANY FINANCIAL COMPANY FOR THAT MATTER. They are OBLIGATED to notify all customers by mail in the event that there are policy changes that affect your account. At the very least they can advise you on there website. Not this company! 
I have gone ahead and emailed the documents. I guess now I wait for another 10-12 days before I have my funds in my checking account if im lucky.
Product: Mortgage

Our mortgage since the beginning of our payments have always been for a total of {$780.00} Principal {$310.00} Interests {$370.00} Escrow of {$99.00} which only consist of paying XXXX insurance not property taxes which is way too high since we also have an HOA involved. 

The last time we got plumby issues in late XX/XX/2022 our insurance coverage XXXX only covered up tp {$4500.00} for over {$12000.00} of damages ( personal properties ). 

As of XX/XX/2022 They're now charging us an escrow of {$230.00} which means we are now paying a total amount of {$2800.00} a year for a XXXXXXXX XXXXXXXX XXXX XXXX home which is outrageous. Especially after the fact that they are providing us again the worse insurance possible when the dwelling and outside of the home is also covered by the XXXX. 

Well fargo is 100 % taking advantage by overcharging us for insurance.
Product: Mortgage

Shellpoint is falsifying that XXXX XXXX reached out to them on XX/XX/2021. 

My case number is XXXX. 

Shellpoint recycled an old letter where they omitted facts that Shellpoint sent me two official statements saying that my trial modification amount was {$990.00}. I paid {$990.00} on the second trial payment and {$990.00} on the third trial payment. Shellpoint waited until after the third trial payment was successfully made to decline to finalize my trial modification. Just because Shellpoint pulls out an old self-serving letter, that does not mean the issue was addressed.

Shellpoint is continuing to falsely create different reasons for making me pay for their error. Currently, they are saying XXXX XXXX 's supervisor overruled the modification approval letter that he said was being sent XX/XX/2021. Then, they said that loss mitigation was working on it. Then, a fathom in escalations was working on it. These excuses were made after they lied and said that the modification redo was what XXXX XXXX approved. 

However, XXXX XXXX was not made aware that Shellpoint sent me different statements and that I complied with their correspondence. 

XXXX XXXX is not telling the truth that XXXX XXXX has not reached out to Shellpoint. 

My case number is XXXX with XXXX XXXX. Each time I call they say they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Product: Student loan

Loan Provider : EdFinancial Services XX/XX/XXXX : Requested student loan refunds for payments provided during COVID loan forbearance period during phone conversation with customer service. During call, refund request has been submitted, with no timeline provided on refund processing time. 

XX/XX/XXXX : Received confirmation regarding loan refund request confirming date of request, however no timeline or expectations on when refund will be provided. 

XX/XX/XXXX : Called customer service to follow up and requested update on the processing time for refund request ; no answer was provided. 

Requested the following payments made : XX/XX/XXXX : {$500.00} ( paid to XXXX XXXX XXXX XXXX XXXX ) * XX/XX/XXXX : {$500.00} ( paid to XXXX XXXX XXXX XXXX XXXX ) * XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$300.00} ( paid to Edfinancial ) XX/XX/XXXX : {$400.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) Total : {$3700.00} *My federal loans were initially serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ), before being transferred to my current student loan servicer, Edfinancial , effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

This issue was previously removed from my credit almost a year ago and now its has damaged my credit score again and I feel its a case of double jeopardy. The account is not mine. I feel its best for me to not communicate with said company due to their tactics on gaining information.
Product: Mortgage

On XXXX XXXX, 2016, I mailed Registered Mail ( # XXXX ) to Nationstar Mortgage and it was received and sign for on XXXX XXXX, by XXXX XXXX XXXX. A STATE CERTIFIED BOND ASSIGNMENT was enclosed for the amount {$230000.00} to payoff the loan, with the payoff statement. Nationstar Mortgage acknowledged that payment was received and the account was never credited and closed. Nationstar Mortgage have not sent my Bond Payment back to me, the account should have been adjusted to SATISFACTION IN FULL., to this day, it is not. I would like to have my money back or adjust the account and closed it. UCC XXXX, states if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, the debt is discharged. Please investigate, there is some fraud taking place.
Product: Checking or savings account

Bank of America keeps sending emails stating my deposit hold balance is {$0.00} but it's actually over {$200.00} currently. I've tried to resolve it with the bank via message but the session cut out and low and behold same email arrived today, so twice total
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was using Coinbase to purchase Cryptocurrency. However I was sent an email by them stating my account activity will be suspended but I should be allowed to withdraw my funds ( XXXX ). This email was send to me on XX/XX/21 Since then, I have been unable to withdraw my funds despite numerous emails. In one of their replies, they said that they accidentally suspended my account from withdrawals and they had rectified it but that was a lie. I still cant withdraw my funds
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 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 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: Payday loan, title loan, personal loan, or advance loan

I had received email that I was approved for the loan, all I had to do is call them so they can verify. And then the email that they sent out, XXXX made no sense and they literally just admitted to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. : XXXX XXXX {$3100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, XXXX XXXX has been adding payments on this account as well, false reporting of account activity. 

XXXX XXXX Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}
Product: Mortgage

I applied for a forbearance with my original loan company due to job loss. When I got a new job I was told to pay XXXX XXXX XXXX  which I did. My mortgage was sold the selene. They refused to take any payment after applying for a trial period I made 3 payments. They haven't let me make any payments since. Every time I call I get a run around and no answers it's been 3 months. I'm a veteran and this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

Region bank paid to delete. 
XXXX XXXX paid to delete XXXXXXXX XXXX  no response from company, sent debt validation letter no response Green dot paid to delete Ally financial send debt validation letter no response from
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XX/XX/XXXX I opened a credit card account w/HSBC. Several of their employees told me if I charge at least {$1500.00} w/in 90 days I would get a {$150.00} cash " reward '' ( I do n't understand the difference between {$150.00} and {$150.00} 'reward ' ). I charged the {$1500.00} w/in the time frame & was told the {$150.00} would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the XXXX # -- the last time I was connected was XX/XX/XXXX when I spoke to someone who identified himself as " XXXX '' emp. # XXXX. He said the $ would be in my account in the " next few days. '' I made lots of other calls to the XXXX # since then but I 'm always on hold for long periods and whomever I speak to says I have to speak to someone else & eventually I get disconnected. I recently called my local branch -- on XXXX XXXX in XXXX, XXXX XXXX. They told me to call the XXXX # -- I told them that did n't work for me. They said I should come down to the branch. I do n't want to make the trip & I fear that wo n't work anyway. The XXXX people I spoke to at the XXXX # agreed I was entitled to the $ & said it was coming so why ca n't they just credit it to my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address - XXXX XXXX XXXX XXXX Pa XXXX Birthdate - XX/XX/XXXX Hello, my name is XXXX XXXX I noticed this problem XXXX, XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Dispute items XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX