23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Student loan

I was advised by MOHELA that in order to qualify for PSLF, I needed to consolidate the loans I had and choose a certain repayment plan because one of my loans was not on the correct payment plan. Given that I was told that the payment count on my loans likely would not occur until XXXX, on XX/XX/XXXX, I applied to consolidate the two loans. 
On XX/XX/XXXX, I received notice ( Review completed email ) that the payment review was completed. Based on the review, I had made 120 payments on one loan and needed to make 13 additional payments on the second loan which I was initially told did not qualify for forgiveness because of the re-payment plan ( XXXX XXXX XXXX ). 
I immediately called MOHELA to find out how the consolidation would affect the count and if I could I stop the consolidation and was told that they could not stop it. The new loan has been placed in a repayment status and I now have 0 qualifying payments. I have reached out to the Ombudsman on Student Aid.gov on three separate occasions and no one has responded as of today. I do not know where else to turn. I am not getting any help from MOHELA and StudentAid.Gov will not respond to my inquiries. I only consolidated the two loans was because MOHELA told me that consolidation would be the only way I could qualify for PSLF which clearly was not the case, as evident by the XXXX XXXX XXXX document. My loan balance has increased due to the unnecessary consolidation. 
I received notification date XX/XX/XXXXXXXX XXXX XXXX  that I do not qualify for PSLF. I really need resolution here as I am now facing {$1100.00} monthly payments and rapidly incurring interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instructions. 

XXXX5 U.S.C. 1681c. ( a ) ( 5 ) Section States : No Consumer Reporting Agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANT CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting or other personal consumer reports

We, XXXX XXXX, are formally disputing inaccurate items on our TransUnion, Experian, and Equifax credit reports, as referenced in your letter dated XX/XX/year> regarding our recent dispute investigation. The following accounts, address, and inquiries contain inaccurate and unverifiable information, and we are requesting their immediate removal under our rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting

In 2013 I received a tax form XXXX from XXXX Bank XXXX XXXX which is a cancellation of debt for this credit card for XXXX. I was required to pay taxes on this amount in 2013 which I did. Currently my credit report still states that my balance is XXXX. This is not correct. This balance was charged off and the debt was cancelled. If the balance was cancelled and I already paid taxes on this amount, how can I still have an outstanding balance on my credit report. The " Balance Amount '' on my credit report should be XXXX. I have been wrongfully denied credit for a Home Loan, which has been devastating for my family. XXXX bank should be investigated for this illegal practice of trying to collect debt, after it has been cancelled.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the repeated reporting of inaccurate late open accounts on my credit report. Despite my multiple requests for correction, these inaccuracies persist and have a significant adverse impact on my creditworthiness and financial standing. 
Below are the details of the late open accounts that I have previously disputed and continue to be inaccurately reported on my credit report : 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 Balance : {$10000.00}. I have attached copies of my previous dispute letters and credit reports from XXXX Credit Bureaus for your reference, which clearly demonstrate the inaccuracies I have been disputing. 

It is crucial to emphasize that I have never been late on these accounts, and the late payments reported are entirely erroneous. I have consistently made my payments on time, and I have provided ample evidence, including bank statements and payment receipts, to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. Despite my previous disputes, the inaccuracies persist, and this situation is causing me significant distress and financial harm. 

Therefore, I urgently request that you take immediate action to resolve this matter. I kindly ask that you : XXXX. Conduct an in-depth and comprehensive investigation into the accuracy of the late open accounts on my credit report. 

XXXX. Contact the respective creditors to verify the accuracy of the late payment information. 

XXXX. Correct the information on my credit report to accurately reflect my payment history. 

XXXX. Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Product: Mortgage

I had my original mortgage with Quicken Loans and then refinanced twice. This last time was the worst of XXXX bad experiences. 

Each time I communicated with Quicken I was given conflicting information leading to mass confusion. I think Quicken is engineered to confuse. I believe they do this to maximize their fees. I have kept a journal of each person with whom I spoke. No one was willing to put the results of the conversation in writing so I could prove the discrepancies in speaking from XXXX person to the other although the calls are recorded by Quicken. 

Finally, after closing the loan in XXXX, I received a statement on XXXX XXXX for an XXXX payment that was not correct. It was the payment based on my old loan and was more than {$200.00} than my current loan should be. I called and spoke to XXXX. She told me the statement went out before my new payment was calculated and that " You do not have any payment in XXXX. '' On Friday, XXXX XXXX I received a statement for a payment due XXXX XXXX. I called and stated I was told no payment was due. I spoke to XXXX XXXX in " senior management '' who told me indeed the XXXX payment was due XXXX XXXX. I had a sense he did not believe me that I was told otherwise by XXXX and I found him abrasive, at best, and cutting me off in mid-sentence. 

I did not budget for an XXXX mortgage payment and having a week 's notice imposes a budgeting hardship.I think Quicken should assume some responsibility for this mistake. Waiving the interest for XXXX seems reasonable.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXXB ( 15 U.S.C. XXXX ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
Product: Debt collection

I received XXXX mailed statements from Dynamic Recovery Solutions ( XXXX XXXX XXXX, XXXX, SC XXXX ) for collection of a debt to a company I 've never heard of with a made up account number. I 've searched all XXXX companies listed ( sender, original creditor and current owner ) and finding nothing but scam-related information. The other companies listed/involved are XXXX XXXX and XXXX XXXX XXXX, XXXX. Their statement shows them as being accredited though the XXXX, XXXX and being XXXX compliant, and I was n't able to find a XXXX listing anywhere.
Product: Debt collection

In XX/XX/year>, I received services from an ambulance provider, XXXX XXXX XXXX XXXX XXXX My insurance provider, XXXX XXXX processed the claim and determined that my responsibility for the services was {$320.00}. This amount is clearly outlined in the Explanation of Benefits ( EOB ) from XXXX, which provided a breakdown of the services, the insurance coverage, and my share of the bill. 

However, I have been repeatedly contacted by a debt collection agency, Credence Resource Management, which claims that I owe {$560.00} for the same services. This amount is significantly higher than the {$320.00} determined by my insurance provider. The discrepancy appears to be related to a {$230.00} plan discount that XXXX applied to the total bill, but which the collection agency is disregarding. 

I have disputed this debt multiple times with the collection agency, starting from the first notice I received in XXXX. Each time, the collection agency responded by sending a one-page bill from the ambulance company, which does not explain the discrepancy between the amount they are trying to collect and the amount my insurance company states I owe. Despite my multiple requests for detailed debt validation and clarification, the collection agency continues to insist that the charges are valid without providing any additional explanation or documentation. 

As a result, I am now seeking assistance in resolving this issue. The collection agency has not provided adequate evidence or a valid explanation for the higher amount they are claiming. I am only responsible for the amount determined by my insurance provider, which is {$320.00}. 

Key Dates : Service date : XX/XX/year> XXXX claim processed : Shortly after service date, total responsibility determined to be {$320.00} First notice from Credence Resource Management : XXXX, amount claimed {$560.00} Multiple disputes sent to Credence Resource Management : From XXXXXXXX  to present, collection agency responses provided no clarification or detailed validation. 
Amounts : Amount billed by ambulance provider : {$3100.00} Amount covered by insurance ( XXXX ) : {$2600.00} Plan discount ( XXXX ) : {$230.00} My responsibility ( as per XXXX XXXX ) : {$320.00} Amount Credence is attempting to collect : {$560.00} Despite following up several times, I continue to receive the same vague response from Credence Resource Management, and they have not acknowledged the discrepancy between my insurances determination and their claim. I am seeking resolution of this issue, so I am only responsible for the correct amount of {$320.00} as determined by my insurance.
Product: Vehicle loan or lease

I am a XXXX member and due to my age XXXX and a XXXX  I was looking for a safe way to get a used car and not be misled. XXXX referred me to XXXX, Sales Manager and I met with her first emphasizing the only car I wanted was one not in an accident and one owner and lower mileage. She was out the next day and in the meantime I saw a car on XXXX and called XXXX to report that XXXX was off so who should I see. They then referred me to XXXX since XXXX was not available I had spent a couple of days looking for a car and wanted to see the car that was reported to be with XXXX XXXX XXXX. I had seen this ad for the car on XXXX XXXX XXXX XXXX with XXXX miles, XXXX  owner, no accident at XXXX XXXX XXXX XXXX XXXX XXXX. Finally XXXX wrote when I could come in to see it. I was told later by XXXX he should have shown me a document outlining XXXX discount but he instead said he is giving me a better deal than XXXX. He again guaranteed this car was XXXX owner, no accident and showed me the car. I saw a dent and several scratches however he said these were minor. I bought the car based on information they provided. I then contacted the guy who repairs my cars who also works at XXXX to make sure he had time to come over and get the scratches out. I brought the home and a few days later XXXX came over and when he looked at the car he could not do anything because he was shocked at the damage. He said I WAS DOOPED due to the fact this car was clearly in an accident which was any car professional would know clearly by looking at it. I called XXXX XXXX  and had the advocate from XXXX speak to my pro who observed the damages and he clearly stated I was misrepresented as this car had much damage to repair. She then called the manager XXXX XXXX who said he would call me today but I never heard from him. I did let XXXX know I am filing a grievance due to fraudulent misrepresentation and want this car to be repaired.
Product: Prepaid card

I initiated a transfer of {$500.00} on XX/XX/23 from XXXX XXXX XXXXXXXX ( my checking account ) to my Cash Management/Brokerage account with Robinhood. Records from both entities indicate that the transfer posted on XX/XX/23. Within 1 week, I had been in regular contact with Robinhood because the funds were not showing up in my account. They continually advised that they were researching it or that their review team was researching it. They eventually told me over the phone that XXXX XXXX XXXXXXXX had requested the funds back from them which is why they weren't with them. XXXX XXXX XXXX advised that they never requested, or received, any funds back from them. I initiated a dispute at XXXX XXXX  XXXX on XX/XX/23. On XX/XX/23, XXXX XXXX XXXXXXXX advised that they could not pay my claim based on information received by Robinhood, with final notice being received on XX/XX/23. Robinhood then claimed that I spent those funds and provided cherry-picked information to backup their claim. I resubmitted the claim on XX/XX/23, with documentation ( detailed transaction history from Robinhood ) showing that they received the {$500.00} on XX/XX/23, but then did a " chargeback '' on XX/XX/23 for that same amount, effectively putting my account at {$0.00}XXXX XXXX XXXX XXXXXXXX just responded on XX/XX/23, advising that they could not pay on the claim because I legally initiated the transfer. I also sent another request for the funds to Robinhood and on XX/XX/23 they responded stating they closed my account due to a violation of the customer agreement, though they would not specify which, and that they are " unable to verify the legitimacy of the remaining funds on your account. Therefore, no money remains to be returned to you. ''
Product: Debt collection

I have been contacted by a doctor 's office and now a bill collector for collection of a " missed appointment '' fee that is not mine. I called the doctor 's office and sent them a letter XX/XX/XXXX to tell them that they have made an error. The bills kept coming. Now the bill has been handed to a collection agency. My daughter ( who is taking care of my bills while i live out of the country ) contacted the collection agency to dispute the claim and demand proof that i made this appointment, however they returned a copy of the bill as " proof ''. This is NOT proof of anything. I stopped using this doctor in XX/XX/XXXX after they wanted to order unnecessary tests. I have also moved from the US and now live in XXXX with my husband. I only come back to the USA in XX/XX/XXXX and XX/XX/XXXX which is when i make my doctor 's appointments. The appointment in question was from XX/XX/XXXX or XX/XX/XXXX. Further, i have had another doctor who i am happy with and have no reason to need to use my ex doctor 's services. Obviously the doctors office made an error when booking this appointment and expect me to pay for it, which i will not. The original fee for this " missed appointment '' was {$25.00} and now ballooned to {$27.00} due to added interest. I just want them to either prove to me that i actually made this appointment ( do they have " my call '' recorded? ) or STOP harassing me for a debt that is not mine.
Product: Mortgage

On Wednesday XX/XX/XXXX I called XXXX back from a call that I missed from them. The call was at XXXX PM and the call lasted for just under 39 minutes. During the call I was given numerous false and contradictory information. 

A : I had filled out a complete loan modification form and emailed it to American Financial Network and was told that the application only had 2 pages and was sent on XX/XX/XXXX. In fact all pages were filled out and submitted in the application sent. 

B : After resending exactly that was sent on the XXXX of XX/XX/XXXX, I went over with the worker how I sent every required page in the loan modification application. The answer now from the worker was that it was not acceptable to have the loan modification in 2 attachments within email sent. This is another layer of deceit in order to deny me my rights as a consumer and the Federal Covid laws. When caught doing fraud in stating that I only emailed 2 pages of a 13 page loan modification documents, the answer was not to admit to being deceitful in claiming that I only sent 2 pages on XXXX XXXX XXXX but rather the approach was to claim that sending ALL the required loan modification application documents was unacceptable because it was contained in 2 attachments with email sent on XX/XX/XXXX and then again on XXXX XXXX, XXXX. 

C : I was told by phone that I sent 2 pages of Bank statements on XX/XX/XXXX, but in reality I sent the full loan modification filled out by email. This was another layer of deception and contradictions within the same call as INDISPUTABLE call recording will show. 

D : I was given a random list of documents that I was supposed to provide in addition to the application, but there were no specifics and nothing was sent outlining the items that I needed to provide.

E : I was then asked to send documents that I previously sent numerous times. I was asked to send tax returns for XXXX and XXXX, but I explained countless times that I was not required to file taxes for that year and as a result my XXXX XXXX did Profit and Loss reports for XXXX, XXXX, and XXXX. I previously was told to continually add to these documents such as signing the documents myself, having additional language added, and more. 

After having previously provided every document required by American Financial Network and then asked for more and given contradictory lists of information when making calls to American Financial Network the tasks became inconsistent and impossible to follow. This is all a pre-meditated and malicious scam by American Financial Network which is now clear from all of the previous calls and now these absolutely absurd contradictions and claims by American Financial Network when talking to loan expert XXXX who worked for the company.