23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Equifax notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would investigate, upon investigation Equifax claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Equifax to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA ( Credit Reporting Agency ) that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Equifax how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Equifax does not care! I sent another letter again on XX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Equifax needs to delete the information ; and Equifax is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Equifax will actually listen for once and do what the creditor and client has requested to do for the last 6 months!
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems LLC Its in my XXXX  and XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolved.I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading the warning updates that I get from the FTC I decided to check into my credit report because it is now free weekly. I went through all the steps to get my credit reports from all three major credit reporting companies and to my surprise there was some excuse as to why I could not get them some of it said technical other one said that I had to get it by mail that I couldn't get it online but in any case all three companies basically did not come through at a credit report that sounds a little suspicious to me. So I just wanted to let someone know I will try to follow up with phone calls but this is already more of a hassle that I am supposed to have to deal with being that I'm supposed to just be able to click and get my credit reports free but that's not happening. Thank you Your system would not allow me to enter the last 4 of my SSN. I have no idea why. So you might want to look into that. 
The last for are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  TRANSUNION AND XXXX  IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$460.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX
Product: Student loan

-Fedloan is very difficult to get ahold of. It took weeks for a call back. Very long wait times over the phone. I am continuously given false or inconsistent information. 

On XX/XX/22, I spoke with a representative from Fedloan regarding the limited PSLF waiver. Given that I had loans with different payment counts, due to previous FFEL loans that were later consolidated, it was recommended by the representative to consolidate all of my loans in order to get the highest payment count applied to all loans. I submitted a request to consolidate my loans. 

On XX/XX/22, I received a letter from Fedloan about the requested consolidation. At the end of the letter, it stated that I would need to make another 120 qualifying payments on my new consolidation loan. 

On XX/XX/22, I received a letter from Fedloan that they had completed a review of my eligible and qualifying payment counts in your pursuit of ( PSLF ). They confirmed that my payment count was accurate and the matter closed. This is false information. According to my account, I have ZERO eligible payments for PSLF.

Before the consolidation, I had 96 eligible payments and 15 ineligible payments. I continue to have concerns regarding the ineligible payments and had previously requested a review.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX  XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX XXXX and XXXX to stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did a hard inquiry on my transunion report. I tried calling and since I don't use them automatic phone system won't give me a operator since i dont have a cc number to enter. So I emailed them saying the inquiry wasn't me. No reply back. 

Next I contact transunions to report fraud they told me nothing they can do by phone. All complaints must be mailed in and can take up to 90 days to review and reply. Which is crazy if a credit card been issued in my name to someone. 90 days is too long to shut down this fraud.
Product: Mortgage

I had a home equity loan with Specialized Loan Servicing LLC of XXXX XXXX , Co, which I paid off XX/XX/2019, in XX/XX/2019 I applied and was approved by my current bank to refinance my home mortgage. The title company that was assigned by my bank to do the refinance attempted to locate the Satisfaction of Mortgage which should have been filed with my County Clerks office. The document was not filed at all and all attempts to get them to file the Satisfaction with the County have been unsuccessful. Specialized Loan Servicing just keeps sending me the wrong documents stating they have filed required paperwork. The only documents they have sent me are the following , County Recording page, pay off letter and notice of servicing transfer. How do I make them file the correct documents with the County?
Product: Mortgage

1. I sent the following Message to Freedom Mortgage in XXXX of 2024 : " Please verify why I was charged 3.326 % Loan Orignation Fee verusus the statutory mandated VA XXXX cash-out loan Origination Fee not to exceed 1 %. I did not receive any discoutns, no lender credits and no reduction in my initital interest rate of 5.25 % I am also a XXXX XXXX XXXXXXXX veteran and would not be required to pay VA funding fees. VA website info : 38 CFR 36.4313 : " ( 2 ) A lender may charge and the veteran may pay a flat charge not exceeding 1 percent of the amount of the loan, provided that such flat charge shall be in lieu of all other charges relating to costs of origination not expressly specified and allowed in this schedule. '' Thanks in advance for getting this resolved ASAP. '' 2. I received the following message back : " Dear XXXX XXXX XXXX, Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/year>, regarding tax exemption inquiry. We appreciate the opportunity to assist you and hope you find the following information helpful. 
Please note additional research is required and we are working diligently to respond to your concern. Our research should be completed by XX/XX/year>. The findings will be sent to you via our secure message center once the research is complete. 
If you need to speak with a Customer Care Representative, please call Monday through Friday XXXX to XXXX, and Saturday XXXX to XXXX, Eastern Time at ( XXXX XXXX XXXX. 
Sincerely, Customer Care Team Freedom Mortgage Corporation IMPORTANT NOTICE : TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED IN BANKRUPTCY, IS SUBJECT TO THE AUTOMATIC STAY OR IS PROVIDED FOR IN A CONFIRMED PLAN, THIS COMMUNICATION IS FOR REGULATORY COMPLIANCE AND/OR INFORMATIONAL PURPOSES ONLY, AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO IMPOSE PERSONAL LIABILITY FOR SUCH OBLIGATION. '' As of XX/XX/year>, I have not received any written communication from them, and the only thing that happen is someone called me and said they would respond.
Product: Credit card

I've always paid this account on time and never let any payments become overdue. I'm not sure why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Product: Bank account or service

Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. 

I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. 

They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to you with the utmost urgency and a significant level of distress regarding the handling of fraudulent charges on my Citibank MasterCard ending in XXXX. This letter serves as a formal demand for the immediate reversal of XXXX unauthorized transactions amounting to {$99.00} each, which were wrongfully reinstated on my account following an investigation by your team. 

On XX/XX/XXXX, while attempting to purchase a XXXX XXXX online and using XXXX linked to my Citibank card for added security, my account was compromised, resulting in immediate unauthorized subscription charges from several suspicious entities. Upon noticing these transactions, I adhered to the advised protocol by first contacting XXXX and subsequently Citibank to report the fraudulent activity. Citibank 's response was to cancel my card and reassure me of the protection I was entitled to against such unauthorized charges. 

However, to my dismay, I was informed via a letter in XX/XX/XXXX that, after your investigation into these transactions, the decision was made to reverse the credits initially provided and hold me accountable for the charges in question. This decision is not only unacceptable, but it directly contradicts the assurances of fraud protection I was given at the time of reporting the incident. 

I must emphasize that these charges are fraudulent, and I neither authorized nor received any services or goods in connection with these transactions. It is imperative to understand that holding me liable for these charges not only constitutes a severe breach of trust but also neglects the consumer protection rights afforded to me under the law. 


I trust that Citibank values its customers and their security and that you will rectify this situation without further delay. Failure to resolve this matter satisfactorily will compel me to escalate this issue through legal channels and consider transferring my banking needs to an institution with a more reliable fraud protection policy. 

I expect a prompt response to this letter, no later than [ specific deadline, e.g., two weeks from the date of the letter ], detailing the actions Citibank will take to resolve this issue.
Product: Bank account or service

Our aunt & uncle had an A-B trust set up at Union Bank XXXX XXXX XXXX XXXX XXXX CA. She died XXXX, he died XXXX. Trust B was never set up until XXXX. It was supposed to be set up immediately. When the trust was split, the assets were split XXXX between A & B without regard to individually owned assets v jointly owned assets. A assets were split amongst the uncle 's relatives, B amongst the aunt 's. It took over a year to get the first payouts. In XXXX, they started promising " soon ''. A B beneficiary liquidated his assets in anticipation of a payout ( promised and continually delayed ) before XXXX/XXXX/XXXX. No payouts were made so the trust B paid capital gains tax at a higher rate on over {$100000.00}. He wanted to use the gains to offset some carry over losses on his personal return. Then when the trust was split, this tax ( and XXXX dividends & cap gains distributions ) was not taken into consideration and the split was an even XXXX way, even though Union Bank paid a consultant over {$4000.00} ( of trust $ ) to make sure it was done correctly. Most of the assets were distributed between XXXX. Some of my mutual funds had to be liquidated because Union Bank could n't figure out how to transfer them intact to XXXX, even after XXXX tried to work with them multiple times. At this time, XXXX XXXX XXXX, there is still cash held in trusts A & B and the administrative ( original ) trust. There are also stocks held by XXXX and XXXX that were never collected by the bank. We have told Union Bank about them several times, but with no response. They claim they are holding the $ in case of a tax problem, but we paid $ XXXX trust for those returns per year which had very little reporting, so they should be right. Union Bank charged over {$30000.00} per year for many years in fees to manage this trust. The fees were stopped in XXXX after complaints about the non communication & delays. The bank is the only XXXX with the authority to collect the outstanding stocks. We want the remainder of the trusts & outstanding stocks distributed and I feel the bank should be responsible for that tax bill if not the shortages to the other XXXX parties of trust B. Why are they allowed to carry on in such a shoddy fashion? Our aunt & uncle trusted them to carry out their wishes after they were gone. It was presented as an easy & efficient way of dealing with their estate. I filed a complaint with XXXX, but apparently they believed Union Bank when they responded that the assets were distributed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan from Paycheck Solutions and I've been struggling to get them paid due to not getting all of my hours. I previously requested for them to stop calling my job because I was getting in trouble. The calls stopped for a few months and about 2 weeks ago, I got an email from another employee that someone from Paycheck Solutions had called wanting to speak with me. At that time, I sent an email advising them again to stop calling my job and I received a response that they would continue to call until the account was paid. I advised that if they called again to my place of employment, I would report them. I received 2 calls from them yesterday XX/XX/2023.
Product: Credit card or prepaid card

In XXXX of XXXX  I gave a large deposit down on three appliances I was ordering using this credit card, the XXXX  XXXX credit card. I also purchased one of the appliances outright with a credit I was given by the store for a range that broke down during warranty. I was led to believe, at first, that the range would be in within a reasonable amount time, although I know there was a delay. It turns out that to this day, I never received the range. Also at the time, the salesman charged me {$450.00} for an extended warranty on the range which didnt ' really make sense since he had no idea when the range was going to come in. Why charge a customer upfront for a warranty? Id didn't have enough on my store credit for the range plus a warranty of this amount, so the warranty ended up on my XXXX XXXX credit card. I never should have allowed him to do this. I spoke with a supervisor several times after about this. He is aware. They kept telling me that the range was coming in and to hold off and it never did. The supervisor let me to believe he would remove the warranty fee and then never did. He is now ignoring me and refusing to return my phone calls. Is this some kind of joke? A huge store like this? Are they kidding me? Why would I pay almost {$500.00} for a warranty on an appliance I never received. I protested this on my credit card back in the fall and I lost the protest as the store fought it as a valid charge! I protested it again and I this time asked for the protest to be removed because the supervisor told me the range was coming in soon. It never did! This is a joke at this point. Now I am protesting it again and I have no idea if this bank is going to remove the charge.
Product: Vehicle loan or lease

On  XXXX   XXXX ,  2017, I rec eived a claim from  XXXX   XXXX   XXXX   XXXX  stating I owe a debt of {$7500.00} for the remaining balance of my Toyota payment. The letter states I will be sued if I do not make a full payment or a payment arrangement. I called numerous times and finally a week after I got the letter, got through with an employee at the firm to make a payment arrangement. They did not want to execpt my arrangement because they stated it was n't enough and belittled me and used disrespectful name calling to myself. I asked to speak to a superior and the gentleman stated he was the superior. The employees name was  XXXX   XXXX . He was highly disrespectful and told me that my arrangement of {$100.00} a month was n't good and wante d 10 times th e amount which I can not afford. I am willing to make an arrangement of {$100.00} a month because that is all I can afford. Then  XXXX   XXXX  told me to pay whatever I want and disconnected the phone on me. All I am trying to do is make my payment arrangement on m y Toyota acco unt so I can get this off my chest and not have to appear in court.
Product: Credit reporting or other personal consumer reports

Please delete the following addresses from my credit report files as do not recognize this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX