23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I received a phone call from a company stating that I was eligible for the loan forgiveness program. I was told that my payments would be {$180.00} which was how much my loan repayment was at the time. They stated I would be with XXXX. On XX/XX/XXXX my account was charged {$39.00} from Equitable Acceptance Corporation. However, XXXX charged my account for the first time on XX/XX/XXXX. XX/XX/XXXX was the last time Equitable Acceptance Corporation received a payment from me due to their website not allowing me to update my new bank information. In XX/XX/XXXX I attended a loan forgiveness seminar to inquire if I was in a legit loan forgiveness program. I was told that XXXX was a legitimate company and one of the best. However, they explained to me that they had never heard of Equitable Acceptance and that the loan forgiveness programs are free to enroll and this company should not be taking money in addition to my loan repayment. The facilitator also informed me that I should contact XXXX to see if I have an actual account with them. I was able to contact XXXX and verify that I did have an account. I believe Equitable Acceptance Corporation is illegally taking money from my account since loan forgiveness programs are free to enroll.
Product: Debt collection

I have been receiving repeated calls from TJX rewards credit card [ up to 6-7 per day between XXXX and XXXX ] from phone number XXXX to the point where I have had to block their number. They do not immediately identify themselves in the message and just say " Please return our call to XXXX, for faster service please visit our website at www.tjxrewards.com '' and then gives the mailing address, nowhere in the message does it state where they are calling from, or the purpose of the message. I have spoken with them repeatedly regarding my resolution of my debt but the calls do not cease.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

Ive asked by mail and email for XXXX to remove multiple things off of my credit report, my credit is all over.
Product: Credit card or prepaid card

I mailed out a debt validation letter to DICOVER requesting for them to validate the alleged account ending in XXXX They responded by sending me a copy of 6 months of statements. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. The statements provided violate 15 USC 1692j because I entered into a consumer credit transaction w DISCOVER which no cash what is supposed to be excepted by the lender. DISCOVER is in violation of 15 US C 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. DISCOVER in fact took cash as shown in the attached labeled exhibit. I have found 36 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 US C 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.
Product: Mortgage

Continuing from previous complaint I filed with the CFPB, Bank of America has still not resolved the issue I have with the mortgage modification they started from XXXX XXXX and now I have been informed that I no longer qualify for a modification and have been put into Foreclosure. In XXXX XXXX I was informed by BoA that I completed the mortgage modification requirements and met all of their payment requirements ( 4 months of trial mortgage payments XXXX. I submitted the paperwork as instructed and waited for the closing paperwork to complete the process. The paperwork never came and no phone call from BoA. I waited two weeks then I called BoA to find out what was happening. They informed me on XXXX XXXX, XXXX that the paperwork was rejected by their document quality control department and now since the paperwork was now late the whole modification was rejected. They would not accept my modification. I called their Appeal Dept and filed an appeal. I was informed XXXX XXXX, XXXX that my appeal was denied without explanation. The very next day I receive a packet in the mail from BoA containing a new application for a modification. I filled it out again, followed the instructions again, had XXXX XXXX come to my home AGAIN and notarize all the paperwork and submit the new application request. I have since called 4 times to get XXXX XXXX to call me back on my cell phone and he has not returned my call so I can not get any answers about paying my mortgage, which is late again, or information on my new application for modification. I am making every reasonable effort to do as BoA asks and every time I follow instructions or submit paperwork, BoA finds a way to find fault with something and reject the request. I just want to pay my mortgage every month without having to XXXX someone down on the phone to make the payment. I want the modification process to be finished and my new modification be accepted.
Product: Vehicle loan or lease

On XX/XX/XXXX of 2021 I made my last payment to Mercedes Benz Financial. I returned the car on XX/XX/XXXX of 2021. But I still received a 30 day late payment from Mercedes Benz Financial. I contacted them about the matter to get the problem fixed through them. But I was told they couldn't do anything about it on there end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/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 and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPD finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report that should not be XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX please remove this unrecognized inquiries I contacted the credit bureaus and they ask me to report this to the FTC and send information in
Product: Credit reporting or other personal consumer reports

Equifax had re-reported an old disputed debt as a new debt for XXXX that has dropped my credit score by XXXX points within 3 days. This is affecting ability to obtain credit and financial health.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my Global Payments Check Services consumer credit report sent to me via mail.
Product: Credit card

This complaint is against Talbots credit card account issued by Comenity Bank. 
Owed Talbots {$26.00} : XX/XX/year> - Paid {$26.00}. ( mistakenly transposed the cents... .paid XXXX cents instead of XXXX ) XX/XX/year> - Talbots bill came in for {$32.00} ( {$30.00} late fee + {$2.00} min. interest ) XX/XX/year> - Phoned Comenity Bank and was told the fees were for the XXXX cents still owed XX/XX/year> - Provided Comenity my bank routing number for the XXXX cents and was told that they would void the additional charges just this once. When the call was finished, I thought the matter was closed, that is, until I received their next bill. 
XX/XX/year> - Received a bill for {$64.00} : {$30.00} returned check fee, {$32.00} late fee, - {$30.00} late fee debit, {$30.00} late fee, {$2.00} min. interest charge. = {$64.00} XX/XX/year> - Contacted Comenity Bank. Was told that nothing could be done period unless I would reinstate my account ( which I previously closed ). Then they could do away with half of the charges. This is completely disengenuous! I appears that they can do only what's in their best interest and they could care less about keeping a customer of over 40 years. It's hard for me to believe that it's legal to extort money from people like this. it's outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Different lenders use different credit scores to evaluate the credibility of potential consumer to purchase anything. 
There is no clear information provided by XXXX XXXX and FICO Score XXXX to know how FICO score is determined.

I have no public collections, no public records, only one late payment on my account and my FICO score XXXX is XXXX and XXXX score XXXX used by EQUIFAX and XXXX IS XXXX which impedes my credibility to lend anything from lenders. 
Lenders can only lend me at higher interest rates ; I assume that this credit score discrepancy bars a consumer to lend anything and further impedes their credibility ; which is a violation of consumer right. 
I wish to know how XXXX and FICO score XXXX is calculated and why there is XXXX  points of difference between my vantage score and FICO SCORE.
Product: Credit reporting or other personal consumer reports

I request original copy of account from pro collect I have not received anything I have no knowledge of the account pro collect and would like this account removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 12 late mortgage payments from XXXX to XXXX. However, my records demonstrate that 12 monthly payments were in XXXX, 12 monthly payments were made in XXXX, and 9 payments were made in the first 8 months of XXXX. XXXX 's errors in reporting were made for one of three reasons : ( 1 ) I made two payments in XX/XX/XXXX and again in XX/XX/XXXX, with the latter payments intended to serve as mortgage payments for the following month. I believe that XXXX failed to identify these as monthly payments towards the next month. 
( 2 ) The company provides the ability to make payments in their online banking app by transferring funds from a checking account to a mortgage account. While seamless, this mechanism fails to alert a user of any ongoing late reporting status the bank has issued. 

I reached out to the bank with a request to revise these records, as they have crippled my ability to find another mortgage servicer or to obtain a new mortgage for another property. They declined to issue any correction on my behalf to credit reporting agencies. I subsequently filed complaints directly through the credit agencies. XXXX 's failure to act results in my being stuck with them as a high-interest mortgage lender, and puts me in a dependency which they can manipulate, despite my high earning and good credit status.
Product: Credit reporting or other personal consumer reports

Trans Union has continued to violater my consumer right over and over again but yet fixed the problems they have created on my credit file. The have alot of negative information on my credit file that is misleading accounts that has other creditors deny me of any credit due to this information. 
According to FCRA section 605B it is illegal to report any information on my credit file that i did not give permission to Just Like the accounts such as XXXX Auto Loan I have a cancellation of debt that they mailed to me but Trans Union has negative information still on my credit file about them. I have proof down below. 

Other accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX are also have negative information that reflect bad things on my credit file.
Product: Mortgage

XXXX Financial has not provided a copy of the XXXX which is required by law. Upon loan origination, XXXX sold the loan to XXXX within the first 2 months and presumably mailed a copy of the XXXX to an old residential address. Ironically, the owner of that address verified no such document had been received. Speaking with the current loan XXXX, XXXX failed to provide their financial documents so validating loan origination with XXXX is impossible. According to emails provided by XXXX, a copy of the XXXX can be retrieved through their portal, and while the first two payments are reflected, no XXXX is available. Over the past several weeks, dozens of calls have been made to XXXX promising to mail the XXXX to which I have received nothing. Speaking with a XXXX XXXX XXXX, an email copy of the XXXX was sent with a link containing no information. 
After a great deal of effort on my part to acquire the necessary document, I need assistance in receiving the XXXX to complete my tax filing for XXXX.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood and regular use their app for XXXX trading and transfers. 

On XX/XX/XXXX I had {$3000.00} worth of USDC transferred to a USDC account number that was provided to me in the app by Robinhood. ( I am including a screenshot of the address that Robinhood gave me- the transaction hash below shows that the funds were transferred to that account ) I have the transaction hash on the XXXX blockchain that proves that the transfer was successful. 

https : XXXX ( screenshot also attached ) The funds are now in the account that Robinhood requested I transfer the funds to.

Since the transfer i have not been able to access the funds through my Robinhood account. I have reached out to their Customer Support team 4 times. The first time I was told I would receive a response within 24-48 hours. I did NOT receive a response. Each subsequent time I was told the matter was being " escalated '' and that I would hear back from Robinhood. Each time- I received NO response back via the app or my email.

Robinhood is not giving me access to funds that are rightfully mine.
Product: Checking or savings account

On XX/XX/XXXX, I noticed authorized transactions being withdrawn from my account via XXXX XXXX and XXXX XXXX totally {$990.00} and I immediately called Navy Federal to file a claim. The the Navy Federal rep said I had to wait for the transactions to go from pending to posted before I could file a claim and once the claim was filed " provisional funds '' would be returned to my account while an investigation was launched. 

I waited for the charges to be posted and then I filled out the form sent to me via email on XX/XX/XXXX. Days went by and I had not seen the " provisional funds '' nor had I heard from Navy Federal regarding the investigation. I placed a call on XX/XX/XXXX to Navy Federal and was told because the transactions looked like I  authorized the transactions in question, they were unable to reimburse me. They recommended that I contact XXXX XXXX and XXXX XXXX. They also said I had the option to appeal their decision. 

The same day I contacted both XXXX XXXX via phone and XXXX XXXX via email ( attached ). XXXX XXXX XXXX said they were unable to refund me the money because it came directly from Navy Federal. XXXX XXXX said that because the transactions were completed that they were also unable to refund me my money. 

On this same day I texted and called the number that was attached to the transactions that were sent through XXXX XXXX and the number was disable. I texted and called the number again on XXXX XXXX and still no reply Transactions total:XXXX 2 transactions from XXXX XXXX : {$140.00} and {$200.00} 3 transactions from XXXX XXXX : {$200.00}, {$200.00}, and {$250.00} I never authorized these charges and those funds were for me to return back to school on XX/XX/XXXX. It is horrible that Navy Federal is not willing to reimburse me when all they have to do is re-examine my past transactions and they will see that I have NEVER made transactions in this amount to XXXX XXXX or XXXX XXXX. My father is a retired vet and we have used Navy Federal for years and they way they have treated me as if I am a criminal and worse a liar is disheartening. All I want is my money back and I will open an account elsewhere. I have attached all the information I have regarding this transaction and will also be filing a police report.
Product: Money transfer, virtual currency, or money service

I have been a Venmo customer for about a month and a half and after being bombarded with email after email about setting up direct deposit with them I finally did.. I use my Venmo account every day and on XXXX XXXX without any notice or anything Venmo froze my account with XXXX XXXX  of my money in it stating that I need to verify my identity and until I did that my account will be froze. So I promptly sent them the documents of everything they ask for right away and then proceeded to call there customer support which then notified me they have up to XXXX business to review my identity verification documents and unfreeze my account. NOW MIND YOU I never once received any notices prior to them freezing my account stating that they needed me to verify my identity. My rent for the apartment I live in was due XXXX  XXXX and because I live paycheck to paycheck all the money I had in my Venmo was from a recent direct deposit from my work and that was the money I had to pay my rent and since then I have received a XXXX XXXX  late fee and of my rent is paid by XXXX XXXX I will be evicted from my apartment. This is insane ABSOLUTELY BARBARIC that this company can hold my money XXXX the way they are doing. And it has to change PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this non-compliant reporting situation fixed. Experian credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance e-oscar  reporting under the Fair Credit Reporting Act.

The Metro 2 Five points of compliance clearly states the following ... 

**1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , Experian , XXXX and XXXX , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Experian continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Experian refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see incorrect accounts showing up on my credit report. I check my credit regularly, but this time, there were discrepancies that seemed to appear out of nowhere. Refreshing my browser didnt fix the issue, as the inaccuracies stayed put. Im asking for a careful examination of my submitted documents to ensure this problem is resolved.