23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We sold our primary residence on XX/XX/XXXX. When the title search was performed on XX/XX/XXXX, it was revealed that a Modification to our HELOC was missed when it was closed on XX/XX/XXXX. We have been looking to get this resolved ever since. In the interest of good faith, we agreed to hold {$50000.00} back from the proceeds in an escrow account until this was resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get a Certificate of Satisfaction from Truist since XXXX on our behalf. They have sent faxes, emails, and placed phone calls to just be forwarded to another department and the phone disconnected on multiple occasions. They have not been able to speak with the closing loan department, only with customer-service representatives. My husband and I have also been calling, faxing, and emailing if possible since XXXX. 

We finally received an incident number. We still would spend XXXX minutes to an hour on the phone convincing a customer service rep to type in the number instead of trying to find our information in the system. We no longer have any accounts with SunTrust or Truist and there doesnt seem to be any information on our closed HELOC. On XX/XX/XXXX, they assured us it was all taken care of. It was not, they did not provide what we were asking for and instead reissued the Certificate of Satisfaction that we already had showing the original deed of trust, which was released at the court, but not the Certificate of Satisfaction for the Modification. 

We have since received another incident number. Its been over four months since we started, and we're still awaiting resolution.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Sometime during the early to middle part of XX/XX/XXXX, I  spoke with XXXX, a manager at the XXXX XXXX XXXX, XXXX ( XXXX ) in XXXX Maryland. I was requesting to speak with the XXXX XXXX XXXX, the owner of the practice who treated me during most of XX/XX/XXXX. I was going to request XXXX XXXX if he could wave the remaining balance because my XXXX had left me unable to pay. XXXX wouldnt let me speak with XXXX XXXX telling me that XXXX XXXX will say no, but she said I could pay any amount when I can. I guess because of my insistence, XXXX suddenly cut off our phone conversation saying .Ok XXXX , Im sending you to collections. 

Then after, I managed to sort out my personal budget and on XX/XX/XXXX, I made a payment of {$35.00} towards my balance. However, I was surprised to receive a new statement with a balance of {$180.00}. When I called XXXX, I was told that a {$50.00} collection fee was added to my balance. On or about middle of XX/XX/XXXX, I did get a letter dated XX/XX/XXXX from NCS Plus Incorporated ( NCS ) but with an amount due of {$220.00}. I dont understand where this amount was based on. 

Aware that I already made a payment of {$35.00} which was accepted by XXXX, I thought nothing more of the letter. Shortly thereafter, I also received a few voice mail messages from NCS but for the same reason, I also thought there was no need for me to call back. On or about the first week of XX/XX/XXXX, I received a 2nd letter dated XX/XX/XXXX from NCS with an amount due of {$220.00}. I had just made a payment of {$10.00} on XX/XX/XXXX to XXXX, so again I didnt think any more of the letter. 
I made my 3rd payment of {$10.00} to XXXX on XX/XX/XXXX and I made sure to tell XXXX of NCSs 2 collection letters and phone messages. She assured me she will let NCS know that Im making payments toward the balance. Today, XX/XX/XXXX, I received a 3rd letter dated XX/XX/XXXX with the same amount due of {$220.00}. 

NCS is in direct violation of the Fair Debt Collection Practices Act XXXX because they are misrepresenting the amount of the debt it is attempting to collect. The amount due of {$220.00} was wrong from the start and it is absolutely wrong today! It is irresponsible for NCS to continue sending me collection letters without knowing the actual state of my account.
Product: Credit card or prepaid card

I made a payment on the day before my statement closing date of XX/XX/2020, my payment was made with guaranteed funds and before the XXXX cst business day cut off to post that day. The company did not post that payment and even tho I notified them, sent inaccurate information to the credit bureau knowing that they were reporting incorrect information. I was also charged interest and a late payment fee per the representative, after speaking with a supervisor name XXXX who refused to take any action to prevent the delivery of incorrect information from reaching the credit reporting agencies and also continued to say the cut off was XXXX cst when I Refered to the disclosure where it stated XXXX she refused to send the documents showing XXXX. I have attached the disclosures, refer to page XXXX on payment posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/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 reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPB 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

The debt In amount of {$1400.00} was paid to capio partners on XXXX. Paid in full.
Product: Debt collection

The original owner of account is Comenity Bank. I got notification from Comenity Bank just recently that the account was SOLD to XXXX XXXX. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. XXXX XXXX is reporting inaccurate information to the credit bureau.
Product: Credit reporting or other personal consumer reports

Bank Of america is reporting me a latte payment in my credit report when was not latte, bank of america must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.
Product: Mortgage

Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. Royal PacificXXXX XXXX Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the Royal Pacific website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against Royal PacificXXXX XXXX Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. 
Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Product: Credit reporting

I request a Credit Report from Experian on XXXX/XXXX/2015, at the same time XXXX request the same credit report from the same company, both were very different scores mine shows FICO XXXX, XXXX XXXX shows FICO XXXX, this discrepancies makes big differences at the time to set rates for Home Loan or Credit Card. In my humble opinion someone has to regulate the game that the credit report company has, XXXX with the consumer, the other with the vendor, is not ethical. 
The issue is that I ca n't print the report because give you an error.
Product: Checking or savings account

XX/XX/XXXX between XXXX I deposited cash into the ATM machine @ XXXX XXXX XXXX XXXX ( Self-help Co-op ATM for Navy Federal Credit Union ) the machine malfunctioned keeping my card and {$1100.00} ( all XXXX bills ) without giving me a receipt. My account shows no record of the deposit. I called in and spoke with a rep ( XXXX XXXX who started a claim prior to me leaving the ATM location. XXXX issued a new debit card which I have received and stated that a provisional credit would be issued within 10 days. Claim ref # XXXX. 
On the morning of XX/XX/XXXX, I drove back to the XXXX XXXX at XXXX XXXX XXXX XXXX as suggested by another Navy Federal phone rep XXXX after discussing the matter on XX/XX/XXXX. XXXX XXXX also informed me that there was a new note on the account which stated that a provisional credit may be placed on the account between 20-45 days. At XXXX on XX/XX/XXXX upon opening of the bank I spoke with the security XXXX XXXX who remembered me being at the ATM and the branch manager XXXX  XXXX who stated that the machine has not been functioning correctly for a while, other customers have had problems prior to the day of my incident, and last Friday XX/XX/XXXX & Monday XX/XX/XXXX someone was out to service the machine. According to XXXX XXXX XXXX XXXX  rents that office space and does not own, manage or service the ATM machine. The bank manager stated that XXXX manages and services the ATM machine and Navy Federal should be reaching out to them to resolve this matter. Although no one has put an out-of-service sign on the machine XXXX XXXX states she does not recommend people use it until it has been properly repaired. I E-messaged Navy Federal to inform them of my conversation with the Bank Manager and uploaded a copy of the bank manager 's business card. Navy federal responded with an E-message that stated " Thank you for your follow-up, E-message. The provided information/documentation has been attached to your dispute claim for reference. If you have any other questions or need additional assistance, please do not hesitate to contact us. '' XX/XX/XXXX I called Navy federal to follow up on the claim and was told by XXXX that the claim had been closed stating the complaint was unfounded. I asked the rep to provide me with the information Navy federal received from the XXXX XXXX or XXXX to validate their decision but to no avail, the information was not made readily available to me. I asked if anyone reached out to XXXX since XXXX does not accept complaints from customers or pulled the video footage from the ATM. XXXX states she did not have that information. 
I also called XXXX who states the bank must contact them directly they can not work with me as a consumer to handle this matter. Therefore, currently, I am requesting the assistance of your office to settle this matter ASAP. I am a woman of integrity and a registered nurse who works hard for my money, and I'd like some assistance in resolving this matter please, and not to be made to feel like this did not happen to me. 

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

On XX/XX/2019, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Product: Student loan

I am in the Public Service Loan Forgiveness program, and I have made 120 qualifying payments towards my loan, and I have worked full-time for a qualifying employer during this period. I have completed all the paperwork FedLoan has requested, my employers have been approved during this time period, and I should qualify for loan forgiveness ; however, FedLoan is not counting nearly 80 of my qualifying payments. They have not given me a clear explanation as to why they are not counting these qualifying payments, and they have no date for when they will resolve the issue. In the meantime, I am due to pay over $ XXXX/mo in additional student loan payments next year, which I should not be required to pay because my remaining loan balance should be forgiven under this program, and which I will not be able to afford, which risks putting me into default.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE MY INFORMATION WAS RELEASED TO THE PUBLIC DUE TO THE XXXX, XXXX, EXPERIAN DATA BREACH. THERE'S PLENTY OF UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE ACCOUNTS ARE INACCURATE AND DONT BELONG TO ME AND IS HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM IN THE PROCESS OF GETTING A MORTGAGE LOAN AND THIS IS HURTING MY CHANCES. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY
Product: Credit card

I was unemployed for nearly 3 months. I contacted all companies with which I had any financial business to make certain of my current financial problem due to unemployment, my job search plan and repayment plan once employed. I was surprised to XXXX that from XXXX XXXX, 2016 to XXXX XXXX, 2016, I received XXXX calls on my cell phone from all companies with which I have a financial business with XXXX calls being from Capital One. The issue I have with Capital One relates to a payment plan. On XXXX XXXX, 2016, I logged into my Capital One online account for the specific purpose of setting up a payment plan to help get my account back into good standing per recommendation from Capital One. First, I added a new payment account which is my new checking account with a local bank. Second, I deleted my old checking account with XXXX Bank. Lastly, I set-up a payment plan for the company to deduct {$370.00} on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. These were dates that Capital One website generated and I accepted. Oddly, Capital One appears to have sent the first payment deduction to my old checking account prior to sending to the new account, despite the old account being deleted prior to setting up the payment plan. I have a photo of these attempted transactions with the date. Capital One has continued to contact me, although at a much decreased rate, by email ( XXXX ) and phone ( XXXX ) in order to inform me that my payment continues to be late and that I should submit a payment to avoid being reported to debt collecting agency or credit reporting agency. This does not seem to be fair or appropriate at all. I took the steps the company recommended because I wanted to avoid being reported to debt collecting agency or credit reporting agency. I assumed that once a customer set-up a payment plan, I might get the standard reminder, but not an ongoing complaint of late payments and risk being reported to debt or credit collectors. I feel like I have held up my end of the deal and should not continue to be told that I am late and I should pay my bill. I 'm not certain what the point of the payment plan is, if Capital One continues with threatening business as usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a certified letter to Transunion stating that I did not recognize the inquiries that was listed on my Credit report and they should be removed immediately. 

One month later I received a letter stating my written authorization may not be required to obtain copies of my credit report in which i did not authorize. Again on XX/XX/2020 I sent another certified letter demanding that this information be removed that this was in violation of the Fair Credit reporting act. 

On XXXX XXXX i was then sent another letter of Explanation of the inquiries on my Credit Report. Still the information remains on my credit report in which i did not authorize.
Product: Credit card

I am writing to file a formal complaint regarding a series of unauthorized charges on my Apple Card account. I have exhausted all reasonable efforts to resolve this matter directly with the issuer, Apple, but the issue remains unresolved despite numerous attempts. Here are the details of the situation : On XXXX, XXXX, I initially set up a XXXX order, and subsequently canceled the order after the initial trial period. Between XXXX and XXXX, no charges appeared on my Apple Card account, indicating that the cancellation was successful. On XX/XX/XXXX, an unauthorized charge of {$77.00} was authorized on my Apple Card account by the merchant. I promptly disputed these unauthorized charges on XX/XX/XXXX, with Apple Card customer service. Disputes were filed again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as the unauthorized charges were not rectified. The charges for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were recently reversed. However, these reversals came after multiple disputes were filed, indicating that the charges were indeed unauthorized. Throughout this process, new card numbers were issued each time by Apple due to the unauthorized charges. Despite this, the unauthorized charges continued to occur due to Apple 's participation in an updater program with the merchant. Apple acknowledged in my communications with their customer service that the updater program does not function as intended in the case of unauthorized charges, demonstrating their own awareness of the issue. I have made diligent efforts to resolve this matter with Apple, but their failure to prevent unauthorized charges and their lack of effective action have led me to this point of filing a complaint with the Consumer Financial Protection Bureau. The recurring unauthorized charges, despite multiple disputes and new card numbers issued, have caused considerable frustration and financial inconvenience. I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter on my behalf to ensure that these unauthorized charges are properly resolved, and appropriate measures are taken to prevent such incidents in the future. At a minimum, I am asking that they credit my account for the charges that were reversed for XX/XX/XXXX and XX/XX/XXXX ( and to really honor their zero liability pledge, the dispute for XX/XX/XXXX should also be honored ). I believe that it is in the best interest of consumers to have a secure and reliable financial system, and Apple 's inadequate response raises concerns about their commitment to protecting their customers ' financial well-being. Enclosed with this letter, please find copies of relevant documents, including communication records with Apple, transaction statements, and dispute documentation. I appreciate your attention to this matter and thank you for your assistance in resolving this issue. I look forward to a prompt resolution and your valuable support in holding companies accountable for their actions.
Product: Student loan

This lender is not deducting the principal from the payments I've been making. My payments are set for auto draft, but they seem to move the payment date around in order to give the loan time to accrue interest. I could not understand why my final payoff date would always be ten years from the date of the last payment that was made. Yes, it was a moving payoff date. 
The owner is Navient Federal Loan Trust and the Guarantor is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX  : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.