23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was under bankruptcy and my mortgage was included in the plan. However, I became disable and my financial situation changed. Although my financial situation was different I still struggled and paid under bankruptcy for 5 years. And when I realized that I could not continue, I applied for a loan modification with my mortgage company and my bankruptucy was dismissed. I have now been under modification for 2 years and I was transferred to another servicer. Upon looking at my bankruptcy records, I discovered that the loan modification figures were incorrect, so before being transferred to the new servicer I contacted my then servicer about the deferred fees discrepancy along with my bankruptcy records as proof. However, they told me that they were no longer my servicer and I needed to contact my new servicer, even though this was well in advance of the transfer. Therefore, I tried to contact the new servicer for about three weeks even leaving messages after being transferred to an account manager, but was not able to make contact with them. So I sent a certified letter and then finally someone from the new servicer responded via letter and said they would look into the matter. However, when they did follow up it was a verbal response over the phone. I requested something in writing but I was told there was nothing to send. I was also told that I needed to send cancelled checks showing I had paid what I claimed to have paid which was over {$8000.00}. This is the issue, when the loan modification was first written up by the servicer, they used figures from my bankruptcy records. I filed bankrupcty in XXXX and ended in XXXX. The arrearage and deferred fees they used in preparing the loan modification were the same as when I first begin my banruptcy which was a little over {$11000.00} of which I paid over {$8000.00} as stated above. So instead of subtracting the {$8000.00} and the fees associated with it from the amount owed when preparing the loan modification, it was never done. So according to their records right now I owe over {$12000.00} with growing interest which will be due in full when my 5 years ends. So I will owe my mortgage balance of {$83000.00} plus over {$12000.00} ( whatever the interest will be in three more years ). And as for as my monthly notes, they are {$550.00} ( paying interest only ) and I have never been late since under modification for 2 years. Neither servicer has been fair with me. They are making me pay again, what I have already paid when I was under bankruptcy and attaching interest and fees on top of that. Please note : that while I was under bankruptcy not only was I paying arrearage and fees but I was also paying my ongoing mortgage payments of {$1300.00}. That was the hold point of going under a loan modification.
Product: Credit reporting or other personal consumer reports

According to 15usc 1681e ( b ) all creditors are supposed to maintain maximum possible accuracy and they did not do so, according to my research going over my credit report every single date listed and amount and other information is inaccurate, the information is fraud each creditor has different information nun of the dates are the same nor the amount. Also they did not conduct a proper investigation to remove this information. And I have over 15 hard inquiries on my credit report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair scoring system. My score is incorrect, it should be higher. I pay off my credit cards and my score doesnt go up. I get notifications saying my score went up or I have positive changes but theres no change to my score. I have made complaints but no change.
Product: Checking or savings account

I filed a dispute cause someone stolen all my money from chime I gave proof I was locked up at the time and no one was authorized to use my card the didn't refund my money and close my account with out giving me an explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NISSAN MOTOR ACCEPTANC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and NISSAN MOTOR ACCEPTANC with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Product: Credit reporting or other personal consumer reports

TransUnion credit reporting has a few questions that I must answer for identifying myself for appropriately XXXX yrs I have been requesting for this to be resolved. I am listed with a family who I am not related to the name is XXXX. I am not listed with none of my own family members. Also I am listed in the question about a vehicle that I financed I have never financed any vehicles I am being mixed with someone who is not me this is disrespectful to me and my family I can not pass the questions so that I can check on my credit files these questions do not pertain to me and TransUnion is allowing this to constantly remain on my file I refuse to be someone whom I am not I retired from law enforcement I earn my character and this is unexceptional this needs to change it is a imbarrassing I will not continue to go this their questions that they clam came from creditors who are these creditors I am a victim of identity theft and all XXXX creditors have this on file also the Police Department TransUnion need to do better.
Product: Checking or savings account

Case XXXX. Key refused to show me online I am supposed to have over {$530.00} and can't access. XXXX key executive was supposed to call back XX/XX/21 but never did.
Product: Money transfer, virtual currency, or money service

This complaint is to express concern regarding the way Zelle handles disputes. Particularly, in light of the CFPB lawsuit emphasizing significant issues with the platform. Despite using Zelle multiple times, and reporting discrepancies, my financial institution and Zelle failed to fully investigate any claims ive made. Ive been told recovering lost funds and tracking the transactions were impossible. The CFPB lawsuit has proven the neglect from Zelle to protect its consumers. They have allowed repeated offenders to exploit the system, leaving users vulnerable to scams. I hope this complaint gets resolved, and i thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding inaccurate items that persist on my credit report despite multiple attempts to have them removed. These inaccuracies are adversely affecting my creditworthiness and financial well-being, and it is imperative that they be rectified as soon as possible. 


I have previously contacted your bureau on [ mention the dates and methods of previous disputes ] to dispute these inaccuracies, but they remain on my credit report. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you initiate a thorough reexamination of these inaccuracies and promptly correct my credit report to reflect accurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer credit reports must be precise and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find copies of the following documents : Previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report reflecting these changes. 

Furthermore, it is your responsibility to notify the creditors associated with these inaccuracies about the dispute and provide them with the necessary documentation, as per federal law. I am asking for your immediate assistance to remove these unaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00}.
Product: Debt collection

I received a letter from Convergent Outsourcing inc, on behalf of XXXX XXXX XXXX. Based on the information by convergent this account was opened without my knowledge from XX/XX/XXXX-XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.
Product: Mortgage

LVNV FUNDING has placed errounous information on my credit report. I have been disputing this information for over 5 years. In 2011 I paid a company to remove the errouneous information, I was able to purchase my home back in 2011 and the debt went away. I sold my home several months back. Now that I am trying to purchase a home for my family the errounous debt pops up again. This has caused me to loose my earnest money, My interest rate is higher causing me hirer fees and it has prevented me from qualifiying for a desirable mortgage product.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXq XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX I XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. XXXX, XXXX, Experian this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.
Product: Credit card

On XXXX occasions XX/XX/XXXX and XX/XX/XXXX First Bankcard, XXXX. XXXX XXXX, XXXX XXXX XXXX charged my account a late fee plus interest and then revolving account interest the following month for payments that were sent via on-line banking and received by First Bankcard on or before the due dates above. I always pay 100 % of the balance due each month. In the first instance for the payment due XX/XX/XXXX, First Bankcard credited my account for the late fee and interest when I provided evidence that the payment was deducted from my on-line checking account on the due date, but not posted to their system until the following business day but they have not credited the interest charged the following month ( statement dated XX/XX/XXXX ) of {$38.00}. More recently, the same set of events occurred on XX/XX/XXXX and involves a {$26.00} late fee, {$71.00} interest in their statement dated XX/XX/XXXX and an additional {$62.00} in interest on their XXXX statement. First Bankcard Customer Service XXXX refused to credit the XXXX fees and interest because they had already done this for me once - without regard to the fact that they obviously have a cash posting problem since this has occurred twice in the last XXXX months. I have written XXXX XXXX complaint letters on XX/XX/XXXX and on XX/XX/XXXX outlining in detail the circumstances mentioned above and have not received any response. I communicated ( message reference number XXXX ) with First Bankcard Customer Service on XX/XX/XXXX to find out if they had received my letters. The response was that there were no notes on my account as to the letters or who may have them or if any action was being taken to correct the billing on my account. I have discontinued using the First Bankcard XXXX card and have left a balance of {$190.00} on the account the represents the erroneous late fees and interest mentioned above and have advised them that I will not pay for the fees or for any late fees or interest going forward. 
I have used credit cards from various banks for years and have been using on-line banking since the middle XXXX 's and have never had this happen once. This has happened at First Bankcard XXXX in the XXXX months. Probably happening to more people than just me - concerned that they are making money by not posting payments promptly when they are received - and then refusing to credit the late posted payments. In both cases, the payments were posted the next business day following the due date. I actually began scheduling the payment to them XXXX day in advance of the due date since the XX/XX/XXXX incident to provide more time for them to post the payments. The XX/XX/XXXX ( a Friday ) payment was actually scheduled in my on-line baking account to be paid on XX/XX/XXXX ( Thursday ) but was not posted by First Bankcard until XX/XX/XXXX - Monday. It was sent by my bank on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX, has reported unlawfully two missed payments that has result in a decreased in my credit report. 
According to the Consumer Law 15 USc 1666b it is illegal to provide any late payment information to the reporting credit bureaus.

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.
Product: Credit card

Sunbit has a credit card that is focused on rebuilding and by invitation only. I have requested information to their invitation procedure, but they have failed to provide any further details. 

1. All loans have been paid and are current.

2. But, lending capacity has been significantly decreased.

3. Excessive interest rates at the highest apr.

4. Fail to report loans to all XXXX credit bureaus.

5. Never sent invitation for the credit card.

I believe that I am being racially discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES LLC I just wrote a complaint ( XXXX ) on this company. Submitted to the CFPB on XX/XX/XXXX Now I'll tell you again this account Is not mine. 

My name is XXXX XXXX. 

Please refer to the company response where the name is incorrect. Not me! Response from Portfolio Recovery was this.. " Portfolio Recovery Associates , LLC ( XXXX ) investigated your complaint and verified the XXXX account XXXX in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V , state and local law, and industry guidelines. XXXX is a " Debt Buyer '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX XXXX  XXXX ) reflect that on or about XX/XX/XXXX, XXXX  XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX '' This is not me! 

My name again is XXXX XXXX. 

They have been reporting someone else 's name onto my credit report. They need to be fined for years of hassle and headache and remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I never applied for any student loans I never attended any of the schools listed on the credit report I know that my ex wife XXXX had applied for the loans because she was a XXXX  and I didnt sign up for any loans I believe she falsified my name and she was able to get the loans because I had good credit and she didnt I just want this cleared off my credit report I am a veteran so if I have a XXXX XXXXl for myself why would I apply for a student loan it doesnt make sense XXXX signed my name falsely period I disputed this years ago and it is still on my credit report about student loans that I dont know nothing about please investigate this matter and fix my credit report please
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have observed on my XXXX credit report. It appears that ALBERT CORPORATION, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, has been conducting unauthorized multiple soft inquiries on my credit report every month since XX/XX/2023. 

While I understand soft inquiries do not impact my credit score, the frequency and regularity of these inquiries raise concerns.
Product: Credit card or prepaid card

Purchased a patio sofa set with insurance from Wayfair after applying for credit in XX/XX/XXXX. I returned the product in XX/XX/XXXX and received confirmation from Wayfair that all items had been returned. Wayfair credit is provided by Citibank. Wayfair did not refund the total amount of the purchase to Citibank all at once. They released amounts in four different amounts over a period of three months. During this time, Citibank was charging me interest and reporting to the credit bureaus that I was last making payments. I contacted Wayfair and Citibank in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to verify the merchandise was returned and that nothing was owed. In XX/XX/XXXX and XX/XX/XXXX, I was on the phone with Wayfair and Citibank and a representative from Wayfair informed Citibank that the merchandise was returned and there is no balance. However, to date, Citibank states {$4.00} is still owed which is now over {$170.00} in interest and late fees. In addition, I have called Citibank numerous times filing a dispute which they have denied. During this time, my credit score has dropped over 160 points and most of my credit card companies have lowered my credit limit. Please help me resolve this issue asap.
Product: Credit reporting or other personal consumer reports

I did not give consent/permission to run my credit I am writing to notify you of my election to have my name and address excluded from any list provided by your agency under subsection ( c ) ( 1 ) ( B ) of the Fair Credit Reporting Act in connection with credit or insurance transactions that are not initiated by me. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit card or prepaid card

This complaint is about the cash advance fee I was charged for the payment I made to the Virginia Department of Tax. On XX/XX/2019, I used my BOA premium card to make the payment of {$10000.00} and later found out that I was charged for cash advance fee. I called BOA on XX/XX/XXXX and questioned the transaction. BOA told me that the credit card processor provided the wrong code. However, they could not explain, even that the case, why the transaction went through because I only had a {$300.00} cash credit line on my BOA premium card. The supervisor, XXXX, said they could turn it into a purchase but asked me to contact the merchant first who may able to fix everything. She also gave me her direct line and promised to follow up. It never happened. In fact, after contacting the merchant who admitted they messed up, I called back BOA multiple times and left three voice messages for the supervisor from XX/XX/XXXX to XX/XX/XXXX. I never heard back from them. I talked to another BOA supervisor on XX/XX/XXXX who refused to provide any help, claiming it is their courtesy to approve large transactions even if you have low cash credit line. However, this is against their statement when I lowered my cash credit line because they told me I could not make any cash equivalent transaction over {$300.00}. 

It is unreasonable because the cash credit line is supposed to help the consumer avoid cash advance fee. It does not make any sense that a reasonable consumer sets up a very low cash credit line ( {$300.00} ) on his credit card and would have such an extremely high amount of transaction ( {$10000.00} ) get approved. They  should never approve a transaction at their will so they can charge clients high cash advance fees.