23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was a student at XXXX College XXXX CA, and they closed there doors on XXXX XXXX, 2015. I received a text message indicating the closure. I have student loan with Genesis Lending Services and they will not discharge my loans. I feel that XXXX College is to pay back my loan to the company, after all XXXX is the one that broke the contract. This has caused great pain and suffering, because the reason I attended this college was to better myself in finding a job. Now after two years and three months, and only eight weeks to go, I do n't even have a degree now. I am not liable for this loan and will do what I have to do to get this discharged. I will seek information from an attorney about the steps I need to take.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investiagte my disputes regarding inaccurate information on my credit report. XXXX consistently responds back with the investigation within 4-5 days without providing any evidence of a full investigation. This practice violates the Fair Credit reporting Act ( fcra ), 15 U.S.C 1681i, which mandates a reasonable investigation of my disputes. XXXX 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative procedings ( File No. XXXX ) against them for similar voliations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email alert to my credit file regarding XXXX XXXX that is on my credit file twice that I DID NOT authorize. I want to know how did this happen when I have the extended fraud alert on my account. I should have been notify properly and the police should have been called to the location that fraud was taken place. So I took the time to update my FTC fraud complaint and I have not notify the police but will do so come morning. I am asking that Experian remove these inquiries and address off my credit file PO Box XXXX XXXX NC. Thank you.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.
Product: Checking or savings account

I received a deposit from my employer to my bank account on XX/XX/year>. I was able to pay some of my bills with it and chime paid themselves for their spot feature, but not the full balance. The next day I wake up and see my account is still open and active. At XXXXXXXX XXXX, I received an email saying that both my accounts with Chime have been closed due to breach of deposit account agreements. I had an overdue balance, but it was not past XXXX days but they failed to take the whole payment but instead elected to take {$110.00} out of the {$150.00} owed. I had an overdue balance, but it was not past XXXX  days. Ive contacted Chime several times and they have told me that theres nothing they can do the count is closed. The balance was overdue was under {$50.00}. I had {$210.00} in my checking account before they closed it. That was more than enough to take for the XXXX feature. They also promote XXXX to be interest free and pay it back when you can. One representative told me that they can not tell me where my funds are going. Another one told me that theyre keeping my funds while another person told me that they will send them back to my employer. I also received email saying that they can not verify where my deposit came from. No one can give me specific information. They just keep giving me a generic transcript and claiming they will escalate it up.
Product: Credit reporting or other personal consumer reports

I am writing to EXPERIAN to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation.

I know that EXPERIAN being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process.

Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law.

2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made.

I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Debt collection

Diversified Consultants , Inc has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Diversified Consultants , Inc has violated the XXXX Fair Debt Collection Practices Act 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Diversified Consultants , Inc has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 809. Validation of debts requirements [ 15 USC 1692g ]. 

Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Diversified Consultants, Inc. violations of the Fair Debt Collection Practices Act, XXXX Fair Debt Collection Practices Act, and Telephone Consumer Protection Act are documented as follows : Repeated Robocalls to my Cellular Telephone ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, VA XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX initial contact was XXXX XXXX XXXX 2015 via telephone as documented. However, Diversified Consultants XXXX Inc. failed to mail a written notice of collection containing a consumer 's dispute rights under the FDCPA within XXXX days after the initial contact. Diversified Consultants, Inc. failed to mail such written notice. 

Diversified Consultants, Inc. telephone calls to my cellular number are direct violation of the XXXX. Diversified Consultants, Inc. failed to provide any meaningful information during such calls ; all in violation of the FDCPA and XXXX. Instead Diversified Consultants, Inc. continued to call my cellular number to repeating have my telephone to ring as forms of harassment all in violations of the FDCPA, XXXX, and XXXX.
Product: Checking or savings account

This is a follow-up to complaint XXXX which has since been closed. The bank reached out to me and did not close the account as requested. I've made countless attempts, wasting over four hours of my time, in trying to close this bank account. Following receipt of my complaint listed above, a bank representative reached out to me only to tell me that she could not close my account and that I would need to reach out to another department to do so. She contacted the department while I held on the line. After over 45 minutes on hold, I had to jump off the call to attend a work meeting. The representative provided me with a number to call the department at a later time. Days later when I had a small gap of free time, I attempted to reach the number. The representative told me that it shouldn't take long to do, as her last call took 3 minutes to close their account. A function that could not be performed since my account was now in the negative after more fees had accumulated for not maintaining a balance. After explaining my ordeal, this representative directed me to yet another department that had to override the negative balance. I along with the representative waited on hold for close to an hour, when suddenly my call with this representative was disconnected. I am at my wit 's end here and need this account closed and do not intend to spend another second of my time in doing so. If this requires that I take to social media to resolve, then so be it. Nobody should be made to endure this level of inconvenience to perform a simple function.
Product: Checking or savings account

I signed up for a new Business checking account with Wells Fargo for a {$500.00} bonus after I deposit {$2000.00} in new money and make 5 debit card within 60 days. All this was done in the first few weeks of opening the account and I still have not received the bonus. I have already reached out to Wells Fargo twice about this issue and they are stating that the banker did not attach the promo code to my account. I opened the account in a different state and there is no way I will be going to the bank to get this fixed in person when they are more than capable of fixing this on their end. I was given a printed document which clearly stated that the promo code was attached to my account. Please help me with this issue so Wells Fargo does not steal my money. Thank you.
Product: Money transfer, virtual currency, or money service

My money order was purchased in XXXX at XXXX XXXX to pay my movers. The movers would not accept it ; they wanted a Postal money order. My sister-in-law, XXXX XXXX, who was receiving my goods in XXXX, had to get cash to pay them. I gave her the money order for reimbursement but she could not cash it either. I then tried to deposit it in my bank but Western Union refused it. After giving me the run-around for two months, they are now claiming it was cashed XX/XX/XXXX. That is impossible since I still had the money order in XXXX and it was XX/XX/XXXX when I attempted to deposit it.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times & reporting issues. My financial institution and Zelle failed to investigate my claims adequately. They informed me that losing funds was impossible and would never happen and that tracking these transactions was unfeasible. CFPB let it be known that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On or bout XX/XX/XXXX, {$1200.00} was taken out of my account fraudulently. Due to a flash pay to an unknown individual. It was taken out in 3 separate transactions once I figured this out, I reached out to NETSPEND which is metabank. And they were told of the situation. It took almost a month for my funds to be reimbursed, which ultimately caused late fees and other violations and lowering of my credit score!! due to me not being able to pay my bills on time. Now, on XX/XX/XXXX of XXXX, I was once again unable to access my account again!!! This is not the first time i have lost access to my account!!! After going through a very stinguous experience of having to verify myself multiple times I was told that my account was restricted due to someone trying to access my account once again on XX/XX/XXXX of XXXX. At this time, I was told that I had to wait for them to give me a call to verify that it was actually me on the phone and that my account would have to be closed and a new account open to resolve the problem. This has happened multiple times and for this to happen twice in a span of 3 months is very unacceptable. And I truly believe something needs to be done immediately. I have alerted them and let them know that I have reached out to the CFPB, And was reached with negative feedback from the agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I was told that this reporting agency is fraudulent and reports to creditors a lower score and I needed to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to COVID 19. See attached letter confirming.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX  report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me
Product: Credit reporting or other personal consumer reports

the company Western Alliance Bank offered loan suspension because of a hurricane Then Western Alliance offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
Western alliance said I would not have negative reporting and this included during the modification process. 
Western Alliance called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

Western Alliance Bank is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to Western Alliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm upset with Experian! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Mortgage

My XXXXXXXX XXXX was sold to Carrington Mortgage in XXXX with out my knowledge or consent. 
I utilized their website to change payment date from the XXXX to the XXXX of every month and increase my mortgage payment to apply more to my principle payment on XX/XX/XXXX. On Carrington 's website it stated that the payment would be pulled on the XXXX. Payday is on XX/XX/XXXX, Carrington still pulled mortgage on the XXXX causing an NSF and overdraft to my bank account. Seeing this returned payment I called Carrington and they said they would not process the payment again and I needed to make a manual payment for XXXX, I then went on Carrington 's website to make a manual payment since I was told by customer service they do not reapply payments. This payment successfully debited from my account on Monday XX/XX/XXXX. HOWEVER ... Carrington then applied a third payment, which was the original rescheduled automatic draft to my account on the XXXX for the new setup date for the XXXX for the new amount I originally rescheduled on XX/XX/XXXX causing an NSF on XX/XX/XXXX essentially processing XXXX payments that day, one being manual and the other being the rescheduled monthly automatic payment for a total of THREE payments in XXXX. 
Carrington mortgage blocked any ability for me to have any future automatic payments due to TWO NSFs on my account per their policy ( which was NEVER disclosed to me when my mortgage was sold to Carrington and is NOT in my PROMISARY NOTE ), Both NSFs should have never occurred if Carrington honored the payment change I processed and not take out two payments for XXXX. Speaking with Customer Service in XXXX they agreed to remove the block which requires me to mail in certified funds or use XXXX or XXXX XXXX which charge excessive fees. 
I recently had an NSF on Thursday XX/XX/XXXX due to my bank account being short {$4.00} and not having overdraft protection, payday was on Friday XX/XX/XXXX, Carrington blocked my ability to make future automatic payments moving forward siting that I have two previous NSFs, which they agreed to remove in XXXX due to their error. They now claim it was not their error and I am not forced for 6 months to apply manual payments. I am forced to mail in a certified check which costs {$35.00} and send in next day, which costs {$25.00} through the mail in order to accommodate their 10 day processing and not be late by the XXXX of the month and incur a 4 % late fee which is {$86.00}. Because of them back tracking on the NSFs they agreed to remove in XXXX I was charged an {$86.00} late fee for XXXX and will incur another in XXXX due to my paycheck schedule not matching their XXXX processing window. ALSO, my promissory note does NOT state there is a 4 % late charge if payments are received after the XXXX which customer service stated without reviewing my promissory note or providing me written proof with my signature of said agreement. Moving forward I want the {$86.00} late fee reimbursed and automatic payments reinstated and the fraudulent 4 % late fee claim removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 around XXXX XXXX PST I easily opened accounts at both XXXX and XXXX. My intention was to place a security freeze on my files for my credit protection, and to do nothing more. I had NO difficulty doing this task at both agencies. However, at Experian, I gave all the information their web site demanded ; current address, soc. sec #, etcetra and I THOUGHT I opened an account, but when I finally found the link to place a security freeze on my account, a message came up that Experian was " unable to honor your request to place a security freeze on you personal credit report ... '' In this message they then demand that I MAIL sensitive information to them to prove that I am the person wanting to protect my own credit. That is rediculous and I refuse to do it!!! I don't even know if my account was activated or not? The usernames, password, security questions I created, all for nothing? What is the point? I am not trying to obtain credit information from them. I am simply a consumer who wants to take a proactive step and protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity have been stolen I 'm XXXX, My XXXX opened and applied for things in my name and ruined my credit, I cant even get out of XXXX XXXX XXXX XXXX help .This is making me XXXX and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my XXXX is currently being investigated please help me fix this she recieves all my mail before I get it again I just need this fixed
Product: Mortgage

Nationstar Mortgage is the servicer of my mortgage. They have been sending me emails soliciting me to refinance. These emails state that my " rate will adjust in XXXX ''. While I do have an ARM loan, it is a 5 year arm originated in XXXX -- my first rate adjustment will not be until XXXX.