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

On XX/XX/year> I sent letters out to XXXX, Experian, and XXXX regarding XXXX XXXX ( Account No. XXXX, and XXXX. XXXX ). On XXXX XXXX I received the investigation results. These accounts were not accurate and they failed to mark it in dispute a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report contains inaccurate addresses and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing an incorrect item on my Transunion credit report. I send my letters by certified mail and Transunion delayed the receipt of the letters each time by three weeks. I believe they delay acceptance of the certified letters so they can get around the 30 days maximum investigation time. Transunion sends me generic letters that say they verified and updated my account without investigating it at all and without even addressing my dispute. It's just a generic again and again. They have not only avoided a doing reasonable investigation of my dispute but they exceed the 30-day time limit as well.
Product: Credit reporting or other personal consumer reports

Experian has addresses Ive never lived at listed on my consumer report. There are also some accounts Ive disputed for misinformation that they put back on my report within hours of me submitting a dispute.
Product: Checking or savings account

In XX/XX/XXXX and XX/XX/XXXX Navient made unauthorized transactions each at XXXX. I have not authorized anything since XXXX. The company made a declaration of XXXX to be stolen on XX/XX/XXXX. Again, they have no authorization to do this. A pandemic is making it difficult to survive, and their repeated dipping into my pockets will cause severe hardship.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 funds was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

On XX/XX/2018 I received a letter from Pennsylvania Higher Education Assistance Agency regarding my student loans and my need to re-certify my income driven repayment plan within 10 days on XX/XX/2018 or else my monthly payment would increase to {$2000.00}. 

I was unable to submit this documentation through the PHEAA portal due to the fact that their was a discrepancy between my date of birth between them and the NSLDS. I have re-certified through this process several times and no one has been able to help me determine how this discrepancy came about or how it can be fixed. 

Since I was unable to submit the information through the portal, I needed to upload the re-certification and tax income verification manually. I received the form from Studentloans.gov and submitted the information on XX/XX/18. 

PHEAA sent me a letter on XX/XX/018 stating I was denied re-certification because the form I submitted was out of date, even though the form clearly stated at the top that it expired on XX/XX/18. I re-submitted my re-certification documentation on XX/XX/18. 

On XX/XX/18 I received another letter from PHEAA that stated because I had not submitted the re-certification forms my XXXX payment was set to increase by a multiple of 4. My Income Driven Repayment certification is still under review. 

Due to a a new flaw between PHEAA and the NSLDS regarding my date of birth and the slowness of PHEAA from veryifying my documents on two occasions, I am expected to pay four times my usual scheduled student loan repayment.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally follow up on my previous dispute regarding inaccurate information on my credit report. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days of receiving my dispute. However, as of today, this timeframe has expired, and I have not received a resolution. 

Due to this violation of federal law, you are now required to delete the disputed accounts from my credit file immediately. I demand that you take action without further delay. 

Disputed Accounts : ( XXXX ) ** This account is not showing maximum possible accuracy according to 15 U.S.C . 1681e ( b ). The open date and last active date are incorrect. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

( 4681** ) ** This account has inaccurate reporting of the open date and last active date. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n. 
( XXXX ) / ( XXXX ) ** Both accounts contain inaccurate open dates and last active dates. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

( XXXX XXXX ** This account is not showing maximum accuracy. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

( XXXXXXXX XXXX ** The open date and last active date are incorrect. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

Since the 30-day period has expired, I am requesting the immediate removal of all disputed accounts from my credit report. Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially take legal action for damages as permitted under 15 U.S.C. 1681n. 

Please provide me with written confirmation that the disputed accounts have been deleted from my credit report. I expect a response at the address listed above.
Product: Debt collection

I was contacted by XXXX about an unpaid bill. The total amount due was {$220.00}. XXXX offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from XXXX stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, XXXX XXXX did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX  is reporting it now, and another named EOS CCA also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced damage from the hurricane Harvey, and was denied coverage from the insurance company. I requested assistance from my mortgage company to assist me with payments as I repaired my home. I entered into a 4 month trial modification. I was not informed that they would be reporting me 30 days late to the credit bureaus. I have never been late on my account with the mortgage company. I have disputed the late reporting with the bureaus, and mortgage company to no avail. There is no where in the agreement that states that as I am in the trial payment to gain assistance that they will report late on my account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.
Product: Checking or savings account

some one tricked me into giveing them my id and social security number then opend a credit card and an account at td bank then deposited a check for XXXX and when it cleared they took the money now td bank says im responsible and need to pay it back
Product: Student loan

XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. 

XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. 

I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. 

Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford.
Product: Credit card or prepaid card

My Apple credit card was compromised by Apple ID takeover in XX/XX/XXXX. Signifcant fraudulent charges were made on the credit card and have been satisfactorily resolved ( reversed ) by Goldman Sachs fraud unit. I paid the legitimate outstanding balance in XX/XX/XXXX. It took a prior CFPB complaint to bring the fraudulent charges to closure. The card was closed. 

Subsequently, the credit card was charged for the apple cash rewards related to the fraudulent items that were resolved/reversed. Goldman Sachs position is I'm responsible for the balance of these fraudulent rewards despite repeated calls with Fraud Unit to have the apple cash rewards reversed and resolved. I have proven I have no access to these rewards via apple cash as they assert. 

I have worked through the process Goldman Sachs requested. Apple has confirmed there is no ability to recover my apple id account after working the matter. I have talked with Apple Cash team and reviewed the fact I have no access nor did I benefit from the apple cash credited to me from the fraudulent transactions. The Goldman Sachs Level 2 Fraud Unit has corresponded with both Apple and Apple Cash representatives while I was on the line. In early XXXX, I was told the matter would be escalated to a responsible manager who could finally resolve the matter. I was told I should not be responsible for the rewards balance given I have no access to those rewards/nor benefited from them. 

I called Goldman Sachs today to confirm the resolution and was again told I was responsible for the balance and could again escalate the matter for review. I have made repeated calls to resolve this matter since XX/XX/XXXX and have exhausted my ability to communicate with Goldman Sachs effectively. 

Please assist me with resolution of the outstanding balance on this closed account, wholly related to cash rewards on fraudulent transactions. Goldman Sachs continues to report this balance as past due and is negatively impacting my otherwise outstanding credit report.
Product: Debt collection

On XX/XX/18 Enhanced Recovery Company reported a debt of {$1200.00} owed for an XXXX XXXX XXXX creditor that is not mine. I have contacted both XXXX XXXX XXXX and Enhanced Recovery Company asking for the identification used to open this account and neither company has been able to provide that information because they do not have it and because it is not my account.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX vin XXXX on XX/XX/XXXX from XXXX XXXX   XXXX XXXX XXXX, the purshase price was {$4400.00}, but they added an optional gap contract {$800.00}, vehicle protection plan ( vpp ) {$2800.00}, vehicle care protection {$110.00} from XXXX XXXX XXXX XXXX of FL, so the amount financed went up to {$9300.00}. The total cost was {$19000.00}, when I contacted the dealer to cancel the optional charges they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it
Product: Credit card or prepaid card

I recently was advised that member service at the credit union disputed many more transactions causing much confusion to the fraudulent dispute process. And in turn the fraud department has had no communication with me so I am able to explain the situation. 

My rental car with credit card information was stolen XXXX XXXX only to find close to XXXX plus in fraudulent transactions. 

I will be contacting my attorney about the retaliation for making a fraudulent dispute. Does this Credit Union permanent close accounts even with a police report and ftc report. That is a violation of the FTC
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have found that my name has been reported incorrectly. The only correct and legal name associated with my Social Security number and all financial accounts is XXXX XXXX XXXX. However, I have noticed the presence of other incorrect and unknown names on my report. 

These misreported names are not associated with me in any capacity, and I request that they be removed immediately to prevent any potential identity fraud, errors, or damage to my credit profile. Please update my credit file to reflect only my correct and legal name : XXXX XXXX XXXX, as it appears on my Social Security card. 

As required by law, I request a thorough investigation into this matter and the removal of any inaccurate information. I have enclosed copies of my government-issued ID, Social Security card , and any other necessary supporting documents to verify my identity. 

In accordance with the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I expect these corrections to be made within the required 30-day period. Please provide me with written confirmation once the corrections have been made, along with a corrected copy of my credit report. 

If this matter is not resolved promptly, I am prepared to escalate this issue, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action if necessary. 

I appreciate your prompt attention to this urgent matter. Please confirm receipt of this letter and inform me when these inaccuracies have been addressed. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I wish to file a complaint against Frost Bank. I am being fined and having money removed from my account because Frost and Visa are refusing to accept a refund for {$300.00} from a merchant acting in good faith ( XXXX XXXX XXXX ). I was told the bank was not aware of any attempt of a refund from around XX/XX/XXXX and so I had to spend {$75.00} calling the merchant. The truth is that the bank declined the refund, and is now saying it is Visa that did it. After going to two branches and making numerous time-consuming calls to finally figure this out, Frost issued a credit for the refund because they could see the merchant did indeed attempt to send it several times. The next day, the refund was rescinded, and I was charged an overdraft fee. I was then told I would be responsible if the merchant did not try a fourth time to issue the legitimate refund the bank refused to accept. This is unacceptable, and not my fault, so I should not be charged for Frost 's and/or Visa 's failing to accept the money back. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

TransUnion, XXXX, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Vehicle loan or lease

My name is XXXX XXXX. The XXXX XXXX was towed by the city of New York. I had to pay the tickets so I could not continue to make the monthly payments. XXXX XXXX finance got the car from the XXXX, and when I tried to take the car back and to make payments, the customer service tech refused to lower the fees and deposits in order for me to get the car back. If you look at my payment history, it will show payments for about a year. Therefore, I would the account to be removed from my credit reports immediately. 

SS # XXXX.
Product: Mortgage

I Keep Getting The Run Around On Removing Ex Spouse Name From My Title Deed. My Divorce Was Finalized XXXX  Years Ago. Freedom Mortgage Keeps Playing Games With Taking The Name Off. We Had A Forbearance Loan Of XXXX. California Mortgage Relief Paid This Amount on XX/XX/year>. I've Sent Numerous Copies Of Settlement paperwork to Them
Product: Credit reporting, credit repair services, or other personal consumer reports

RE-INSERT ALL ACCOUNTS INTO MY CREDIT PROFILES WITH  XXXX  OR BE SUED IN CLASSACTION EFFORTS.     THE CREDIT FURNISHER PAY   XXXX   MILLIONS IN FEES AND NOW ARE PUTTING YOU BANK IN JEOPARDY!     YOU HAVE 15 DAYS TO COMPLY OR BE SUED ALONG WITH  XXXX .     THEIR A  RE 100+ CONSUMER REPORTING AND CLIENT REPORTING LAWS BEING BROKEN.
THE DODD FRANK ACT EQUAL CREDIT OPPORTUNITY
Product: Mortgage

On XX/XX/2023, Celink, a mortgage servicer, filed documents with the county to foreclose on my home. Then, they proceeded to file a notice of substitute trustee to have my home sold on the court house steps on XX/XX/2023. 

Celink has no association with any lender that holds a mortgage on my address and is filing bogus documentation as if they were hired by a real mortgage company.
Product: Credit reporting or other personal consumer reports

The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a loan with Ocwen loan services. They have put me in a loan that is now illegal but at the time it was not, a negative amortization ARM loan. I have been making my payments diligently either by phone or by internet. Never once have I missed a payment in the last 24 months. However, Ocwen has reported me as being late multiple times throughout the past 24 months. I have tried to speak with them about removing the late payments, but they have refused to delete the late payments. I truly believe they are just trying to hold down my credit so I can not refinance my mortgage loan. They are telling me it is due to increased fees and different payment amounts. What I don't understand, is that I always call in or pay online the payment that they say is owed. I don't just send in the same payment every month by check, I always pay what they say is owed. I have attached a bunch of documents clearing this up and will work on getting bank statements to show all payments have been made. Ocwen has already been sued for deceptive mortgage practices, which I have attached the documentation. Every time I try to call over to them, they have their call centers in XXXX and XXXX and there is a language barrier as well. Because of this it is very hard to get anything resolved because it is hard to communicate.
Product: Debt collection

I told XXXX to cancel my automobile insurance, but the agent refused to do so. I did not make payments to them after I try to cancel, but they continued to charge me and now they have sold a debt I do not have to a collections agency. 

I have save copies of my email conversation with the insurance agent at XXXX. Please let me if you want to review them?