23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To wit loan service provider ( s ) ( XXXX, XXXX, XXXX XXXX ) consolidated Direct Student Loans and informed borrower/consumer of loans being transferred when in fact loan service provider ( s ) actually consolidated loans without permission of borrower/consumer. 
Grievous actions of loan service providers have forfeited qualifying payments towards the Public Service Loan Forgiveness and the Temporary Expanded Public Service Loan Forgiveness program due to loan consolidation request allegedly made by this borrower/consumer less than 10 years ago.

I have attempted to resolve matter in reviewing Master Promissory Notes provided by loan service provider. None of the Master Promissory Notes provided has language of loan consolidation request. 
I provided documentation to loan service provider supporting payment on XX/XX/XXXX to support student loans have been in repayment longer than XX/XX/XXXX.
Product: Checking or savings account

I am writing to file an informal complaint against U.S. Bank regarding their denial of my claim for XXXX charges. I am seeking your assistance in resolving this matter. 
I recently encountered an issue with U.S. 
Bank and XXXX. I made several purchases through XXXX, expecting to receive the merchandise in a timely manner. My order was shipped to the wrong address.. However, XXXX failed to refund the payment to my debit card within the specified timeframe. 
Upon realizing this, I promptly reached out to U.S. Bank to dispute these charges. They provided me with documentation to fill out, which I completed diligently. I had a phone call with a dispute account representative where I provided detailed information about the purchases made through XXXX. 
Despite submitting all the necessary information and documentation, U.S. 
Bank denied my claim. Not only did they reject my claim, but they are also recharging me for the transactions related to XXXX. To make matters worse, U.S. Bank has closed my banking account without any prior notice or explanation. This situation has left me deeply concerned and feeling unfairly treated. 
As a loyal customer, I have relied on U.S. Bank to protect my interests and handle disputes impartially. However, their actions in denying my claim, recharging me, and closing my banking account without any valid justification have left me feeling frustrated and helpless. 
I kindly request your intervention in resolving this matter. I believe that U.S. 
Bank should reconsider their decision to deny my claim, refund the charges relating to XXXX, and provide an explanation for the closure of my banking account. 
Thank you for your attention to this complaint. I look forward to your prompt response and a resolution to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Dispute Team, I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes regarding these inaccuracies in the past, the errors remain unresolved, which continues to negatively impact my financial standing. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to ensure the accuracy of credit reports and its handling of disputes. Unfortunately, I believe my experience aligns with the issues raised in this lawsuit, as my attempts to correct inaccuracies on my credit report have not been adequately addressed. 

Specifically, the following items on my credit report are inaccurate : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance amounts are inaccurate and misdated. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Balance inaccurate and account paid off XXXX. XXXX XXXXXXXX : Balances inaccurate and account was closed in previous years I have included supporting documentation to verify the correct information. Please review this evidence thoroughly and correct these inaccuracies immediately. 

As mandated by the FCRA, I expect Experian to complete its investigation and provide me with the results within 30 days. If the disputed information can not be verified, it must be promptly removed or corrected. 

Failure to resolve this matter adequately may compel me to escalate this issue by filing a complaint with the CFPB and considering legal action to protect my rights. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide updates on your investigation as it progresses. I look forward to your timely response. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report highlighting disputed items Supporting documentation for corrections Copy of identification and proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.
Product: Checking or savings account

Me and my husband recieved our federal taxes on XX/XX/XXXX made a couple purchases and account was frozen said they needed a copy of liscense submitted proof kept in contact with agents with no help they continue to tell me there was no way to contact proper per so via phone only email sent multiple emails to the right party reguarding this issues last night XX/XX/XXXX recieved an email that the account was permanently deactivated and I cant not receive funds nor can I contact them after recieving this email. There is over XXXX in my account I have a medically complex child with severe health issues who has appointments daily who can no longer make to appointments due to know transportation due to funds, XXXX other kids who can not make to school due to no transportation because no funds. I have followed up with multiple emails and they have yet to respond.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Credit Acceptance Corporation ( CAC ) for illegally reporting incorrect last payment dates on my credit report. This appears to be a deliberate attempt to extend the reporting period of a debt that should have already expired. 
Specific Allegations : * Incorrect Last Payment Date : CAC initially reported the last payment on the account as XX/XX/XXXX. However, they recently changed this date to XX/XX/XXXX. This manipulation appears designed to artificially extend the reporting period of the debt and prevent it from falling off my credit report as it should in XX/XX/XXXX. 
* Acknowledgment of Vehicle Sale to Attorney General : I believe CAC is aware that the vehicle associated with this account was sold at auction. Despite this, they continue to report the account as active and attempt to collect on the debt. 
* Deceptive Practices : CAC has engaged in deceptive tactics to keep the debt active on my credit report. These tactics may include : * Misrepresenting the status of the account : Claiming the account is still open when it should be closed or charge off.

* Providing false information about payment history : Reporting incorrect payment dates and amounts.

* they acknowledged the vehicle sale to the Attorney General.

Impact on Me : This inaccurate and misleading reporting by CAC has negatively impacted my credit score. It has made it difficult for me to obtain loans, rent apartments, and secure employment. I believe CAC 's actions are illegal and unfair.

Request : I request that the CFPB investigate this matter and take appropriate action against Credit Acceptance Corporation for their deceptive and illegal reporting practices. I also request that the inaccurate information be removed from my credit report.
Product: Mortgage

On or about XX/XX/XXXX our mortgage was sold by XXXX XXXX to PNC Bank. After being sold we were contacted by PNC Bank who stated that we were required to pay extra into our escrow because of a company policy requiring us to have a cushion/reserve. If they purchased our loan how could they change the terms that were originally agreed on? This action seems predatory in nature. However after they threatened that if we did not pay it our home could go into foreclosure we came to an agreement to pay it over 24 months added into our monthly mortgage payment. 
In XX/XX/XXXX we prepaid half of XXXX property taxes approximately {$5000.00}. We continued to pay our regular mortgage payment including the escrow for the entire year. In XX/XX/XXXX PNC was contacted regarding the overage of the escrow account and they refunded {$2600.00} of the prepaid taxes. I was told that they would have to do another analysis at the end of the year and they would refund the difference minus any changes in taxes or insurance rates. 
After numerous phone calls I was informed today, XX/XX/XXXX that they took the remainder of the funds and put it towards their escrow reserve. This I did not authorize nor consent to. This reserve should not have been paid in the first place as it was not on my original loan agreement. They intimidated us with threat of foreclosure to pay their reserve escrow and now have taken money that was not authorized to go towards that in the first place.
Product: Credit reporting or other personal consumer reports

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California XXXX XXXX XXXX XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX TransUnion : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : XXXX XXXX CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : Federal, date filed XX/XX/2013, reference # XXXX See attachment
Product: Consumer Loan

I had leased a vehicle through Nissan, and prior to the lease end date contacted them for my options. I was given several including returning, obtaining separate financing to purchase, and to my surprise an extension where as long as I made payments monthly as agreed ; the lease would extend and payments would be applied to principle and interest amortizing to XXXX like a normal auto loan. ( The lease was fulfilled XX/XX/XXXX I contacted XXXX in the months leading up to this - XXXX a supervisor confirmed this discussion during our call this morning XXXX/XXXX/XXXX ) During our discussion this morning ( I originally talked to a rep prior to XXXX ) and she basically said the vehicle was due XX/XX/XXXX or I have to pay the amount in full, when I objected she made remarks that were implying that I was being deceitful such as " well sir we need to know where the vehicle is etc ''. I finally asked to speak to her boss and she was quick to correct me that I can speak to her supervisor. I was upset on the call but had just been given alarming information that took me by surprise and is not good news. 
I talked to XXXX ; who after some back and forth finally got to agreement with me on the way terms were explained ( all was correct with the exception that there was a 2 year closed end cap on the extension meaning I could follow what was explained XX/XX/XXXX but for a max of 2 years ). I explained that I understood and confirm all of the conversation from XX/XX/XXXX with the exception of the 2 year max ; the representative back then explained it that is was open ended and I could continue this until the principle balance was paid in full if I wish, this was in my view a great option and how I proceeded to operate with Nissan under the assumption I would ultimately pay the vehicle off through making my monthly payments. 
XXXX acknowledged that the information given about no max timeline was incorrect and apologized, he offered to extend to XX/XX/XXXX as consolation. This puts me into a significant hardship financially as the monthly payment is the one I am budgeted for. If I had known this arrangement had a max timeline I would have chosen a different alternative. In the short term I 've agreed to extend to XX/XX/XXXX to buy some time to figure out how I am going to handle this. 
I think it is extremely misleading and unfair that I am now forced to make a quick decision on how this is going to go moving forward, the original representative while maybe trying to be helpful clearly provided the wrong information and although while she may not have intended to be deceptive, was nothing short of it.
Product: Credit reporting or other personal consumer reports

Remove incorrect names and addresses from Equifax data base
Product: Mortgage

When originally applying for my mortgage, I submitted an offer to Quicken Loans that was submitted to the sellers. On the documents it clearly stated that I was using a conventional loan. After a week, they submitted me for a FHA loan without telling me or following what was clearly stated in my paperwork. They then contacted the listing agent stating my credit was so low I didnt qualify for an other loans. They withdrew funds from my account under false pretenses of the service that I was receiving.
Product: Credit reporting or other personal consumer reports

Hi, I would like to place a security freeze on my credit file effective today. 
My name is XXXX XXXX and my current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Born on : XX/XX/year> My social is : XXXX
Product: Mortgage

In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible. 

And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back. 

Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.
Product: Mortgage

In  XXXX  of  XXXX  my mother passed away. I am the trustee on her living trust. I contacted  Wells Fargo by phone &  they would not speak to me regarding the loan or any modification. I the n sent in all documentation by mail & fax ( death certificate, trust ) & they still w ould not recognize me. They continued with the foreclosure. There is a sale set for  XXXX   XXXX ,  XXXX  & I wish to remain in my home.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) subject to subsection ( XXXX  ) and except as provided in subsection ( XXXX ), 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, A charge-Off placed by XXXX/XXXX   was Disputed and removed from my XXXX XXXX credit report. Unfortunately, XXXX and Equifax are still showing this charge-off on their reports.
Product: Credit reporting or other personal consumer reports

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Product: Debt collection

I received a letter at my home for an alleged debt owed to XXXX from 2004. I do not owe XXXX any money from 2004. I am currently a XXXX customer. They acknowledge in the letter that if I had owed the money ( which I never did ) that the statute of limitations has run as the alleged debt is very old. Convergent Outsourcing states that if I were to acknowledge this false debt they could then sue me, and if the false debt is not acknowledged they will report this false debt to the Credit Reporting Agencies. I will respond to them via certified letter but wanted you to know about these erroneous false debt collection practices and their duplicity. I have no idea what they are talking about, I have an 800+ credit score. These people are crooks trying to take advantage of people. It concerns me that they are trying to pass off some numbers as my former account number that I have no way to verify.
Product: Debt collection

I am deeply frustrated and disappointed to find that XXXX has fraudulently referred my account to a collection agency. 

Imagine my surprise when I received a letter dated XX/XX/XXXX regarding an overdue final bill, despite the fact that I had moved into my home in XX/XX/XXXX. This was followed by a welcome letter dated XX/XX/XXXX with a new account number, adding to the confusion and causing significant inconvenience. 

It's important to note that I am still living in my home. I did not relocate, yet I am being treated as if I did.
Product: Credit reporting or other personal consumer reports

I noticed something unusual from my credit report because there are inaccurate accounts that I do not recognize from it. I have no idea why they're reporting as mine so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

This is my third complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They kept paying after I said do not pay and put a stop payment in,
Product: Credit card or prepaid card

XXXX/Monterey financial misleads people into believing they are buying items at same as 0 % interest and locks you into a contract at 30 % interest for 12 months, not enough contractual information given at time of agreement