23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

When using Zelle and I sent the money to the wrong person. I couldnt get my money back as there was no warning or policy stating once its sent its no refund. My bank also denied my dispute
Product: Mortgage

I made my XXXX mortgage payment electronically. The payment was due by the XXXX ; however, policy states that if the XXXX falls on a Sunday or a holiday, then the payment grace period is extended to the next business day. The next business day was technically the XXXX because the XXXX was XXXX XXXX, which is a federal holiday. That means on the XXXX the banks were closed so no money was able to move through the feds, and the post office was not delivering mail. My payment was received by Rocket Mortgage electronically on XX/XX/23, but they still charged me a late fee. I requested to have the fee waived, but was told it was not possible. I asked to speak to a XXXX to escalate my concern, and was told that I would have to wait until someone contacts me back in 2 days.
Product: Student loan

When I took them out, my loans were originally held and serviced by XXXX. My loans went to XXXX because I had expressed an interest in the Public Service Loan Forgiveness ( PSLF ) program from the very beginning. I graduated in XX/XX/XXXXand began making payments in XX/XX/XXXX with my XXXX stipend. On XX/XX/XXXX I submitted paperwork to XXXX to verify that I was meeting the requirements for the PSLF program. XXXX verified the paperwork and walked me through the consolidation process, which I completed through XXXX. While I was made aware that the consolidation was a necessary component of the PSLF program, I was not made aware that any payments prior to consolidation would not be counted toward the 120 payments required for loan forgiveness. In XX/XX/XXXX, I submitted employment verification again and was informed by XXXX that XXXX was the new servicing agency for PSLF participants and on XX/XX/XXXX, my loans were transferred to XXXX. I started a new job in XX/XX/XXXX and when I submitted the employment verification to XXXX, I was informed that my loans were not consolidated and would have to be consolidated before any payments could be made that would count toward the PSLF program. 
My complaint is this : I have met all of the requirements to qualify for the PSLF program and have been making payments for seven years. I was given misleading information at several points throughout this process- I have consistently identified my interest in participating in the PSLF program. I have completed each requirement as it was described to me. Further, I have already consolidated my loans at least once. I believe that I am being treated unfairly and taken advantage of and further that XXXX and/or XXXX are committing fraudulent acts in order to disqualify my previous payments and lessen the total amount of the loan which will qualify for forgiveness.
Product: Mortgage

Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2023, I received a text from a debt collector claiming that I owed money to the XXXX XXXXXXXX XXXXl. However, I knew this was not the case, so I promptly sent them a cease and desist letter, clearly stating my request to stop all communication. Despite my efforts, the harassment did not stop, and they continued to message me on XX/XX/3023, XX/XX/2023, and XX/XX/2023, persistently ignoring my plea and falsely insisting on the debt. This ongoing harassment caused significant distress and frustration, compelling me to explore further actions to protect my rights and address the situation legally.
Product: Credit reporting or other personal consumer reports

In accordance with 605B, it is crucial to promptly remove this account. I am quite frustrated that it is showing up on my credit record, so I earnestly request you to erase this account as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sumitted a complaint with CFPB against XXXX XXXX for trying to collect a debt that didnt belong to me. On XX/XX/XXXX ERC responded back stating that the debt didnt belong to them and they had no right to try and collect on that debt. ERC removed that debt from my credit report. I recently checked my credit report on XX/XX/XXXX and notice this account was again placed on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

In XX/XX/2013 Ocwen Loan Servicing put our 2nd mortgage in charge off status based on the declining value of the our home. The problem is that the value of our property was never in decline. In fact the value of our property has steadily increase since we have owned our home. The charge off negatively effected our credit and put our 2nd mortgage in a delinquent status. The mortgage loan # is XXXX.

There was absolutely no justified reason for Ocwen to put our 2nd mortgage in charge off status. Our home is well maintained and we take pride in the appearance and condition of our property.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there is in accurate personal information on my credit report
Product: Credit card or prepaid card

XX/XX/2019 this is one of multiple calls received they claim they are from Bank of America offering to lower my interest rate to 0 % - This phone number belongs to some one in XXXX Alaska. they called from XXXX. I gave no information and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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
Product: Checking or savings account

I was looking for a photo search app on XXXX. They sent me to this app, and after a few clicks, they asked me to buy a year worth of services. They said it was a trial and I could cancel. I went to XXXX, and they had no cancel button. The charge was over XXXX dollars. I used my Simple account for the payment, but I had a XXXX balance, which I have been carrying for awhile now. I did not think they they would process they payment, and I had no money in the account to cover it. They usually will turn down payment requests. I was at the grocery store and they turned down a XXXX dollar overage for groceries, so I can't understand why they would process this payment. There was no pre authorization, They told me that the VISA company went down, and let this charge go thru. I submitted information and they told me it would be about 90 days before they had a resolution. They are still saying I am responsible for the bill. This is a bank account with no fees, and you can't overdraft. They will not remove this charge, and they are saying that I have to pay it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : UPSTART NETW Account Number : XXXX  The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA.

I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Debt collection

I allegedly owe for a " hot check '' from 2012 from a PayDay Loan and Greater Collections Agency Bureau calls from XXXX and keeps threatening to send out a process server. When I call them they rarely identify themselves and hang up on me when I ask questions about my rights. They do n't mini-miranda, when I asked if they were a collections agency they said they were acting as a mediator. I asked what that means and did not get a specific response. I believe this company, if they are even legitimate, are attempting to bully me into paying something I 'm not aware that I owe. They said they 'd send a debt validation letter, and when I asked what we can settle on they said they 'd call me back. They did n't call me back after 30+ minutes so I called back and they conveniently had an amount for me to pay. I still have no idea if these people are legitimate or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I disputed a debt of {$1400.00} with the three credit bureaus asking National Recovery Agency to verify the debt by providing an original signed contract. They did not provide requested verification but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out with a demand to comply letter to Experian to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Product: Credit reporting

Experian is refusing to investigate information that is on my Free Credit Report. The information is old, ( XXXX XXXX ) and should of been removed as of XXXX/XXXX/2016, according to my previous Experian Report # XXXX, however, I can not get them to even check my old report information, due to the fact that they investigated this particular account years ago. I do n't need them to contact the institution, I just need Experian to check my old report information to see that this information is negative and old information, and suppose to be off my report by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXXXX/XX/XXXXinstead of XX/XX/XXXX months ( please note that they should not be reporting this in the first place per CARES ACT ) XXXX. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was exposed to a data breech with Experian nd XXXX. All of my information was leaked and now found on dark web including but not limited to Drivers License number, birthdate, social security, email and physical address. My credit report is compromised and not accurate by their own admission.
Product: Checking or savings account

I made   a deposit with Citi bank to open an account. I called the company to initiate the deposit by phone. The CSR took the routing number and account information for the bank deposit.
Later I was informed that the payment was rejected because the account number had been keyed incorrectly. I subsequently resubmitted the information to Citi and they processed the transfer. Shortly there after I was assessed a fee for the initial deposit that did n't go thru due to their error. When I called a CSR they told me it would be removed but have since not been reimbursed.
Product: Credit reporting or other personal consumer reports

I am writing to address the delinquent accounts listed on my credit report. Upon reviewing my recent credit report, I noticed discrepancies that raise significant concerns. Specifically, I question how and why my personal information was shared without my explicit consent.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and disabled my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, XXXX reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with XXXX to continue making payments to them past my original lease agreement.
Product: Debt collection

I.C. SYSTEM, INC Original creditor : ATT XXXX, {$2700.00}, Date opened XX/XX/year>, Account previously disputed and incorrectly found to be accurate.