23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was initially on an Income-Driven Repayment Plan. As I entered into school as a student at various community colleges, the advertisements that I would receive, aside from several network intrusions that would also interrupt internet service, would advertise false information about loans, grants and repayment plans tailored to teachers and expectant mothers. This information appeared on any computer that I would use and would not appear for others. After not knowing what to do about the advertisements as the problems with the interruption of the service were reported to the Federal Communications Commissions and I continued to submit my annual documentation to the loan servicing as required for the Income-Driven Repayment Plan, I submitted applications for other types of repayment plans without submitting false information to qualify for the repayment plan, i.e. I filled out applications for public service loan forgiveness, teacher loan forgiveness, loan discharge application false certification ( ability to benefit and disqualifying status ), without stating that I entered into an employment agreement for a full-time position with a qualifying public-service employer or into an employment agreement for a full-time teacher for at least five consecutive, complete academic years. I did this to provide proof that I did not qualify in order to stop receiving such advertisements and because I suspected that I may have been a victim of identity theft somewhere along the college enrollment process. The school identification cards displayed pictures that did not look like me. During the period of time that this occurred, my financial information, including tax records, were consistently stolen from locked areas. This information was reported to the Federal Bureau of Investigation, including their Internet Crime Complaint Center, the California Franchise Tax Board and the Internal Revenue Service. At the time that the documentation was not requested, I did not have the requested tax documentation and communicated the aforementioned to customer service. I also verbally communicated to the XXXX XXXX customer service department the information that was provided in the documents that were faxed to the CFPB on X/XX/2018, XXXX XXXX PST, and attached to this complaint. I also provided my end of the year pay stub on an annual basis. I believe that I submitted enough documentation as necessary to recertify for the next 12 months until the documentation requested becomes available, as the circumstances creating their unavailability involve crimes that I can not solve and were reported to the appropriate authorities, the Federal Bureau of Investigation, the California Attorney General ( in re to theft of secured areas ), the California Franchise Tax Board and the Internal Revenue Service.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX : {$2600.00}
Product: Mortgage

Today ( XX/XX/XXXX ) I received a " Goodbye '' letter dated XX/XX/XXXX from my mortgage servicer, ARVEST Central Mortgage Company informing me that my mortgage servicing had been transferred to XXXX XXXX  XXXX. Arvest will stop accepting payments on XX/XX/XXXX and XXXX will begin accepting payments XX/XX/XXXX. 

This is ridiculous. a critical payment notice and change of servicer within 10 days of taking effect? How long has this been in the works? Servicing transfers just don't happen overnight -- - I've been in the capital markets for over 30 years and know how long these agreements take. 

My original mortgage was executed on XX/XX/XXXX and subsequently transferred to ARVEST within the first 60 days. Now another transfer within 15 months.

This is just one more example of financial institutions treating customers as financial commodities and in the process putting customer credit and payments at risk. 

If financial institutions are authorized to issued mortgage loans, they should be required to retain them on their balance sheet, manage the risk, and treat the customers as key relationships -- - not just another fee-based transaction. This puts customers at risk through no fault of their own, just the greed of financial institutions to extract a profit. 

The CFPB ( and Congress ) needs do more to protect American consumers.
Product: Mortgage

On XX/XX/2020 we the owners of mortgage # XXXX did a money-wire to be applied to the Principal Only. We make monthly mortgage payments directly to the NewRez bank and the the {$25000.00} dollars wire was in fact reflected days later on our statement. 

The problem is that on XX/XX/2020 and on XX/XX/2020 the NewRez bank was formally asked and reminded via email why our loan maturity date had NOT been adjusted. On both occasions, the bank has responded back with the same written excuse. They claim that our mortgage loan is managed by a group of investors in New York. NewRez only provides the address of the building but won't disclose who the investors are. 

Why should we as mortgage customers be contacting third-party unknown mortgage investors so they adjust our loan maturity date?. We make payments to, We do business with NewRez, so they should have THE legal and THE ethical obligation to adjust the maturity date on our home loan. 6 months have gone by since we made our {$25000.00} dollars wire and the NewRez bank has not shown any interest to be a liaison between we the customers and the so call " investors ''. In other words, the so call " investors '' are not been held accountable because NewRez is not accountable either.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 I've sent out a follow up dispute dispute to Experian regarding an account that's reporting inaccurately on my consumer report. Experian responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all 3 major reporting agencies which all have different information reporting which violates 15 U.S. Code 1681- Congressional findings and statement of purpose. The payment history that Experian is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Experian to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Experian the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to have XXXX fix with little or no response. XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of 90 and 120 days on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No 30 day warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XXXX states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit card

On XXXX XXXX XXXX I applied for a store credit card with U.S. Bank using my current mailing address. However, without my consent, U.S. Bank made an arbitrary change to my unit number and street address. Consequently, they sent the new credit card to an incorrect address. When I called U.S. Bank to inquire about this unauthorized modification of my mailing address, they refused to provide any explanation. In response, U.S. Bank reissued a new card and sent it to the address I had provided during the initial application process. Despite making two additional calls to U.S. Bank to rectify the error, I still see the incorrect address in their online banking portal. 

I believe that it is illegal for a bank to alter a customers account address without their explicit consent. Moreover, U.S. Bank failed to notify me about this change of address they made before sending the credit card. I did not request a change of address, and it appears that they are unable to display my correct information in their system.
Product: Money transfer, virtual currency, or money service

Iam 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 that recovering lost funds was 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 users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is my 21st endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Creditor : XXXX XXXX ) # XXXX, XXXX XXXXXXXX # XXXX, Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am hoping that you can help me clear up an incredible mistake that is appearing on my credit profile. Unfortunately, Shellpoint Mortgage Services is reporting a 1x30 day late payment to the credit agencies for XX/XX/2020. This faux pas is the result of my mortgage being transferred from one company XXXX XXXX Mortgage to the next Shellpoint Mortgage. 

I received a letter on XX/XX/2020 with a letter that was dated on XX/XX/2020, stating that my loan with XXXX XXXX was final as of XX/XX/2020 and any new payments need to be made to Shellpoint. Shellpoint Mortgage sent this letter way too late and I already had my payments set up with XXXX XXXX. This letter should have been sent BEFORE my XXXX payment was due. They sent this well after, which is was caused this late remark. To make matters worse, Shellpoint Mortgage is violating the Real Estate Settlement Procedures Act ( RESPA was supposed to be given at least 90 days regarding payments due to the transferring of mortgage holders before late payment information could be reported to my credit profile. Therefore, Shellpoint Mortgage is in clear violation of these Acts. 

I am reporting this to the CFPB because this company did not follow the correct procedures to make sure that all payments were received on time when this was transferred. They sent out a letter on XX/XX/2020 that my XXXX payment was to go to their company. A letter that I did not receive until AFTER the XXXX payment was already due. They have also violated RESPA and all of this is a clear bank error and this needs to be removed.
Product: Vehicle loan or lease

This Kia XXXX was paid off on XX/XX/2021. We confirmed with Kia Motor Finance on XX/XX/XXXX that the vehicle was paid off and the title would be released. We received a paper lien release in the mail, but the lien was never electronically released with the XXXX. We called for an update on the electronic release on XX/XX/XXXX, and were told it was taken care of and the lien would be lifted in 7-10 days. I called again on XX/XX/XXXX and was told that the payoff had not been " properly allocated '' back in XXXX so it was going to take another 10 business days to release the lien. I called again on XX/XX/XXXX and was told that the payoff was properly allocated and the account was closed, so now the electronic lien would definitely be taken care of. I called again on XX/XX/XXXX and spoke with XXXX who said it was very weird that it hadn't been taken care of yet, but he would escalate it to his supervisor and the lien would be lifted in 3 days. I called again today, XX/XX/XXXX and spoke with XXXX. I was told it still wasn't taken care of and all they can do is escalate it again. I requested to speak with a supervisor, and spoke with someone named XXXX. XXXX told me there is nothing she can do other than keep emailing the title team and asking them to release the lien. I asked for information as to why it hadn't been taken care of yet and I was just told that she didn't know, she didn't have any information, and all she can do is send another email. It has been over 4 months since this title was paid off and all that needs to be done is a click of a button to electronically release the lien.
Product: Payday loan, title loan, or personal loan

I have had nothing but problems since I opened my loan with Lending Club. THeir payment options are not in the best interest of the customer. To make changes to the date of your loan payment or make your payment early is a trial in futility. 

I personally needed the loan, however I should have not taken it out, as a credit card would have been cheaper for me. They are charging me almost 13 % over the top percentage rate of a standard credit card. 

I struggle every month to pay the loan amount. However they will not renegotiate the interest rate. I initially had requested a loan amount of I believe {$13000.00}, as this would allow me to pay off the loan over a longer period of time. I was denied but offered a loan amount of {$3200.00} with a loan origination fee of {$160.00}. This amount was not disclosed to me till late in the process. 

So did not receive {$3200.00} but {$3000.00}. 

I have made all payment on time as of XXXX/XXXX/XXXX. 

I applied and was approved on XXXX XXXX, XXXX and funds were deposited into my account on XXXX/XXXX/XXXX. Interest rate is 31.89 % and annual percentage rate is 35.96 % APR. 

They record my calls and I hope you can gain access to them they are not polite and there is much frustration in my voice when I talk to these people. As their phone numbers are not readily available to the public, and you have to search through XXXX to find their number. They want everything done via email. NOT GOING TO HAPPEN. 

I also question their XXXX XXXX amount of XXXX.
Product: Checking or savings account

I have a checking account with PNC. I withdrew my funds earlier this month ( on XX/XX/XXXX ), with the intention of closing the account immediately thereafter. 

However, PNC does not allow consumers to close accounts online or via email. You can ONLY close an account by calling during their business hours - which is ridiculous. Their phone lines were also unavailable for the XXXX XXXX holiday weekend. 

Because their phone lines are not available 24/7 & long hold times during their operating hours : I was not able to reach a phone representative until today ( XX/XX/XXXX ). Upon calling to close the account, I found out they charged me a low balance fee yesterday ( XX/XX/XXXX ) for the month-ended XX/XX/2018. 

They refused to let me close the account today ( account # XXXX ), and refused to reverse the fee that they posted - despite the fact that it was caused by their decision to only make their phone lines available for limited hours & eliminated the option for consumers to close their accounts online. Its almost as if PNC wants to make it harder for consumer to close accounts & easier for PNC to slap consumers with fees ... 

TLDR version : PNC doesnt allow consumers to cancel checking accounts online - only by phone. Their phone lines have limited hours. They charge fees when you cant call them during their phone hours. Refuse to let me close the account when I finally get through their hold times & am able to call during their phone hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately.

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Credit card

I was in the XXXX and a company down there was trying to get me to purchase some machine for my wife. They said I could make small monthly payments with XXXX. They signed me to their wifi and had me sign into XXXX. Then took my phone from me and walked out the room and when they came back they said it was all set. I was like I didn't agree to anything or see the terms. They also took me off the wifi. They said don't worry its all set and the machine will be delivered to your house after they asked for my address. This all happened XX/XX/XXXX. I got back to the states on XX/XX/XXXX and I could see they made an agreement with XXXX  for XXXX dollars a month which I can't afford. I contacted XXXX  and they are disputing this since I told them I didn't agree to anything, that the salesman took my phone and left the room we were in and set it up. That is not a low monthly payment at all. Then I noticed they charged my credit card with Bank of America. I disputed the transaction but they said I authorized it and I told them I didn't. I also reopened the dispute and they waited a month and just informed me that I authorized it even though I didn't. I also informed them that I never received any product that they charged me for so I opened a new dispute with them saying I never received anything and since the company is in the XXXX there is no way to reach this company at all unless I were to fly down there and I can't afford to fly down to the XXXX. They just informed me today, XXXX that while I might disagree with their decision it stands that I owe money to a company in the XXXX for a product I never got. I filed a complaint with the XXXX down in the XXXX as well but they haven't got back to me either. I am just looking to get some help for a purchase that one, I never authorized and two never got product for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report, I owe XXXX XXXX XXXX over {$17000.00} for a vehicle but I dont even have a drivers license. I am not sure how I can finance and own a vehicle without a Drivers License. I believe I have had identity theft.