23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In an effort to solve the issue described in my previous CFPB complaint, I gave MOHELA a call. After patiently waiting on hold for more than 2 hours, I asked customer service why my SAVE payment was so high. They did not know and told me they would recalculate my payment while I was put on administrative forbearance. 

Shortly after, I got a written notification from MOHELA that they needed 90 additional days to process my payment. This is unacceptable. They sure did send me my bill quickly.
Product: Vehicle loan or lease

I was late on a payment but was making monthly payments still. I was about 90 % finished on my auto loan. I never received any notice of Ally wanting to repossess my vehicle or selling my loan to a crediter. I fell behind a payment early in 2022 but I continued making payments and all of this just came out of the blue.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the three major credit reporting agencies : XXXX, Experian, and XXXX. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action. 
Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts, re-aged accounts, and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner.

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections.

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA.

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience.

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing.

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports.

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to update an account on my credit report to show an auto loan Ive been paying on is being reflected the amounts Im still paying and have being paying on is correct. I supplied the statement and payment history directly from the leinholder when I refinanced my vehicle loan to show the amounts as accurate
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account listed shows a payment history that is inaccurate. three different payment histories across all three credit bureaus. according to the the law us15 U.S. Code 1681a ( 2 ) - Definitions ; rules of construction reporting of late payments are in fact illegal and I demand that entire payment history be updated to show a 100 percent on time payment history.
Product: Credit card or prepaid card

The following describes phone payments I made. I paid {$100.00} XX/XX/XXXX toward XXXX bill. I paid {$100.00} XX/XX/XXXX toward XXXX bill and then paid {$100.00} XX/XX/XXXX toward XXXX bill. Paid {$100.00} XX/XX/XXXX toward XXXX bill. When I got my XXXX bill in the mail it had late payment fee of {$17.00} because apparently I paid XXXX payment too early which was apparently applied to XXXX ( as a 2nd pmt ) and then paid XXXX payment ( pd XX/XX/XXXX ) which was applied to XXXX but considered late. I called the company to ask why and they said I had not made a payment during the billing cycle. I told them their system didn't ask anything about how to apply the payment or to which cycle so I wasn't given an option. They chose to apply it that way and then charged me a fee. They should have asked which billing cycle to apply the payment. Had I known how they were going to apply the payment, I would have made a different choice on when to pay.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Resolution Needed : Business Account number credit card : XXXX XXXX XXXX XXXX On call XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX And XXXX XXXX XXXX XXXX XX/XX/year> XXXX Home address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Discrepancies in Account Numbers and Reporting Dear Chase Bank Customer Service, I am writing to address a critical issue regarding discrepancies between my business accounts associated with Chase Bank. Specifically, there is a discrepancy between my business ink credit card account number and my other associated accounts. Details of the issue : My business ink credit card account number does not match the other accounts associated with Chase Bank. Despite previous assurances, a reversal fee was applied to my account without resolution of the underlying issue. Chase Bank committed to updating and faxing the correct information to the credit bureau to rectify the mistake. However, this has not been done despite several months passing since the initial notification. The local branch, located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, confirmed the discrepancy but has been unable to resolve it, referring me back to customer service. This ongoing discrepancy is concerning as it has the potential to adversely impact my credit score due to incorrect reporting. It is imperative that Chase Bank takes immediate action to rectify this situation and submit the necessary corrections to the credit reporting agencies. I kindly request that Chase Bank : Rectifies the discrepancy between my business ink credit card account number and other associated accounts. Submits an error report to the credit reporting agency to prevent any negative impact on my credit score. Please acknowledge receipt of this message promptly and provide a timeline for resolution. I appreciate your urgent attention to this matter and expect a swift resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and or my business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX date of birth XX/XX/year> ss # XXXX Chase branch XXXX  XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX phone # XXXX advised customer service the accounts do not reflect The goal is to fix my credit report
Product: Debt or credit management

I was looking for companies to consolidate my debts. And I was just looking for companies online and I wanted to see what the company bright did so I put it on my information and I just assumed that when I link my credit cards up that's when they would charge me to consolidate my debt well about a month later they end up taking {$99.00} out of my account. I've contacted them about XXXX times and sent numerous emails and they keep sending me the same email over and over and over again and at the time I was so frustrated I had canceled my account or deleted my account I'm sorry and when I figured out that when they when you asked for a refund they put it in your stash I re-downloaded the I put my account back in and now it's saying it didn't take any funds from me and I just want my money back I tried to call them they're not answering I've emailed and emailed and emailed I've contacted them on chat and I'm getting nowhere with them so I guess I'm going to have to come raise a complaint.
Product: Mortgage

I have homeowners insurance through California Fair plan. Rocket mortgage, for some reason, double paid ( I had already paid the insurance company ) my insurance carrier and then demanded an escrow account from me to pay them this money back plus insurance payments moving forward ( which I already paid with the insurer ) and a " shortage '' that the established was in my escrow account due to them double paying and demanding the escrow that had no business being there. 

I know that they should have opened an escrow account for my property taxes as they were unpaid, but they had no business double paying my homeowners insurance and then billing me for it and future payments and an escrow shortage. 

I want them to remove the escrowed insurance amounts and shortage since I had already paid for my insurance and provided proof. Then, they need to adjust the monthly payment.
Product: Credit card or prepaid card

We signed up for a card that have a minimum spend in the first 150 days. We met that spend requirement and the bank has not provided the {$450.00} promotion as advertised.
Product: Checking or savings account

XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine  office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.
Product: Debt collection

United Consumers , Inc. at XXXX. XXXX XXXX of XXXX, VA XXXX sent me a medical bill with service dates of XX/XX/XXXX. They are acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HOSPITAL, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX   HOSPITAL, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between each of us ; and on XX/XX/XXXX, I sent a certified STATING THAT ALL PRESUMPTIVE AND TACIT CONTRACTS WERE NULL & VOID AND I DO NOT CONSENT. They committed mail fraud attempting to collect this debt for a year in which I have not received any medical care, since it's only the year XX/XX/XXXX and not XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX XXXXXXXX XXXX relief negotiated with Customer Back to settle my outstanding debt of {$14000.00} for {$4300.00}. which was to be paid within 15 days of XX/XX/XXXX per a conversation with freedom debt they issued a certified to XXXXXXXX XXXX for the settled amount. This check was cashed in XXXX of XXXX and put on the balance of the account instead of settling and closing this debt. Finally in late XX/XX/XXXX of XXXX i received a phone call from National Enterprise Systems XXXX Inc. attempting to collect on this debt. I called XXXX XXXX and since then they supposably have been in contact with XXXXXXXX XXXX trying to resolve this issue. XX/XX/XXXX i received a letter from National Enterprise stating i agreed to a settlement of {$4500.00}. they have called me multiple times since.
Product: Checking or savings account

I had a checking account open with Bank of America that my sister and I would use to store funds for my parents as they're both retired. In XX/XX/2022, we were notified by mail that this account is now closed, without any valid explanation, and that there was an investigation. 

There was more than {$3500.00} in that account. 

I called multiple times and couldn't get any clarity on why the account was frozen or how I would receive the funds. All I'm told is that there's an investigation and that I should expect the funds to be mailed within 30 days, but we're easily past the 60 day mark at this point and the funds are still frozen. 

This has caused a major headache and financial strain for my family as these funds were used for daily essentials and bills.
Product: Checking or savings account

I am trying to set up my PIN for my Business Debit card and the customer service department keeps giving the run around on who should help me. They gave me 4 different phone # to setup PIN ( XXXX, XXXX, XXXX, and XXXX ). Every time I called each number and i would put the correct info in then it would say it is wrong and send me to customer service. At the end of the day after trying multiple times the last customer service lady told me when I asked to speak to her manager she said it will take 20min before I can speak to a manager. After giving her an opportunity to help me she pretended to not hear me and hung up the phone. VERY BAD CUSTOMER SERVICE!!! They can't do a simple thing like trying to get my PIN setup. I don't want to do business with them.
Product: Debt collection

XXXX XXXX reported me to TransWorld Systems with a debt that I owed them. I told TransWorld this was a mistake and that I did not owe XXXX, providing them a receipt. I also supplied an email correspondence with XXXX where they verified they were at fault. TransWorld told me that this wasn't enough despite a forwarded email and screen shots. After a while, XXXX stopped answering and TransWorld wouldn't tell me if they had reported me to a credit agency or not. 
At this point, I am incredibly frustrated and contacted XXXX  on social media. They were also dismissive, telling me that email is the best way to contact them and thanking me for understanding. 
Though it isn't a large amount of money, I do not want to pay for XXXX 's mistakes at all and think they should be responsible for clearing this. I also don't understand why TransWorld isn't accepting their email to me as proof that the mistake was not on my end but on XXXX 's.
Product: Mortgage

In XX/XX/XXXX I received a mortgage from the Veterans Administration ( VA ) for my home at XXXX XXXX XXXX XXXX, XXXX PA XXXX. After making 22 years of payments on my loan, my mortgage was transferred to a new mortgage company Shellpoint Mortgage in XX/XX/XXXX. Shellpoint Mortgage has stated that they have no record of my 22 years of payments. Shellpoint Mortgage states that I owe them {$71000.00} and I am on a new 30 year mortgage plan. My original mortgage amount in XX/XX/XXXX was {$65000.00}. Shellpoint Mortgage is committing fraud against my mortgage, they have stolen 22 years of my mortgage payments and fraudulently put me on another 30 year mortgage. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with TRANSUNION XXXX AND XXXX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX 'S ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And TRANSUNION AND XXXX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my business name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -
Product: Payday loan, title loan, or personal loan

This account was shown to be opened on XXXX XXXX I was being helped by a customer rep by the name of XXXX which I was told once we verify your police report We will be contacting you in 2-3 business days which was 2 weeks ago I keep emailing and not even a response Im showing a debt of XXXX Im unaware of this account This is not a account I opened and I been trying to get it handled but no one will help me at this company at all You cant even call to get anyone
Product: Credit reporting or other personal consumer reports

I am writing this complaint to CAPITAL ONE AUTO FIN about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

I had an automated debit scheduled with Discover credit card, on XXXX to take {$140.00} out of my checking account to pay my credit card bill. This is completely automated and has always taken processed correctly the day my payment is due, the XXXX. On XXXX I logged onto my Checking Account to see I got an return check fee of {$30.00} levied against my checking account. I contacted the bank and they told me Discover did not attempt to bill me till XXXX. My bank attempted to process this charge that occurred on XXXX, after a series of withdrawals and point-of-sale purchases that occurred from the XXXX to the XXXX, in order to force the bill to present against insufficient funds. There were sufficient funds on the XXXX, XXXX, XXXX, and XXXX. The bank deliberately processed a sale that occurred on the XXXX first before the credit card charge from the XXXX, in order to force the insufficient funds when they should have been blocked at point-of-sale. 

I contacted Discover customer service and spoke to XXXX, XXXX XXXX. She informed me that my payment was withdrawn from my checking account, and was cleared - I would not have any late payment penalty or fees and my bill from the XXXX was withdrawn from my bank and paid on time on the XXXX. I reported my bank for defrauding me with the return check fee, which is still pending resolution with the FDIC. 

On XXXX Discover filed a return charge of {$39.00} dollars and rebilled my checking account. 

On XXXX I logged into my online banking with Discover and return fee and rebill. This means that both my bank and Discover lied maliciously about the date of the transaction in order to defraud me with bogus fees.
Product: Debt collection

I'm alerting you to an issue with my credit file. There's a collection entry from your agency that I wasn't informed about before. I strongly question the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to debt validation. Please provide this validation and address this issue.