23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am owed a refund from a financial company that I had a loan through, they are refunding the money on a prepaid card that is useless where I live. I want a check or cash to use where I want when I want. this type of payment is useless to me and thus is just stealing my money that is owed to me..
Product: Credit card or prepaid card

I have contacted Amazon prime store card and Im constantly redirected to Customer Service in XXXX. My credit card statement as required by federal law has only a minimum payment disclosure telling me how long it will take me to pay off my balance if I only make the minimum payment. 

This statement must also include the monthly payment needed to pay off my balance in 36 months and the total amount I will pay if I make that payment. This information is missing from the monthly statement. 

Attachment one is a screenshot of the actual monthly statement from Amazon prime store card.

Attachment two and three are the supporting documents for my request.
Product: Checking or savings account

On XX/XX/year> my mortgage payment {$1100.00} processed thru the bank in which made the account in the negative briefly, we deposited the money in the account on the same day including the money was taken out of my account the next day. Also we called in on XX/XX/year> and spoke to an agent that assured that the {$36.00} would be given back and processed after the holiday weekend which never happened. PNC Bank has been doing this often and regularly I have all the proof to show it and to back up my claims. You can clearly see in my past complaints
Product: Student loan

I have continuously reached out to EdFinancial regarding the incorrect payment amounts on their user portal since XXXX. In XXXX, I made payments of : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$23000.00} to specific loans using their user interface for payment dispersal. Instead, they have classified the information as XXXX payments : XX/XX/XXXX : {$19000.00} XX/XX/XXXX : {$830.00} with a refund submitted for the latter amount. This refund has been in limbo since XX/XX/XXXX. 

I have also recently submitted another payment to direct loan XXXX on XX/XX/XXXX for an amount of : {$3500.00}. This payment has not shown up on the account and the loan has continued to accrue interest. EdFinancial has told me there is a one week waiting period to receive information regarding the log for this transaction. After this one week period was stated on XX/XX/XXXX, I was told that I should for sure receive this information by XX/XX/XXXX. 

After calling EdFinancial on the following dates, nothing has been corrected : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX.
Product: Debt collection

I owed a debt to XXXX credit card which was turned over to ERC collections. They call me, harass me, when they hang up at my home, they call my cell and do the same. They have threatened to send me to jail then asked for my husband and threatened him. They call all types of the night after hours and even speak to my children.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

please see attachement santander has contuined to report false, misleading and decepitive acts and violation even after serval attemtes to correct the matter. this company has done this time and time again please see attached civil action and CFPB lawsuits where santander ADMITS to this wrong doing and yet contuies to violte my consumer rights and distroy my finical well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my credit reporting file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I asked that items be deleted to correct my credit report. I reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX  customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX TO REMOVE THE INNACURATE INFORMATION ON MY CREDIT REPORT. I HAS BEEN A MONTH. I NEVER RECEIVED UPDATE INFORMATION FROM EXPERIAN. 
THIS IS A VIOLATION OF THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy Court # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 The above creditor have violated my rights under the quoted sections. I did not give my written instruction to furnish the accounts. Allegedly validating a debt isn't justification for not receiving my written instruction.
Product: Mortgage

On XX/XX/XXXX I sent over the documentation requested to complete an assumption of the mortgage. The buyer of my property sent all their information over once the Loan Officer contacted them from Penny Mac. The buyer received a conditional approval approximately XX/XX/XXXX to XX/XX/XXXX. XXXX received my monthly payment for XXXX. XXXX paid my taxes For XXXX. I was told that I was going to close on XX/XX/XXXX. Around XX/XX/XXXX, I was told that I wasnt going to be able to close and I had to sign a document to extend the closing date all the way to XX/XX/XXXX. Which cost me an additional interest in payment to Penny Mac in XXXX. I provided the title commitment on XX/XX/XXXX. The Title then sent over the additional title documents on XX/XX/XXXX. I was also told that the processor was on vacation until XX/XX/XXXX and my loan is at a standstill. While this may not seem urgent, I not only will lose on my purchase loan that I am pursuing, I also will lose the honest money that I spent also the money on the appraisal and inspection that I paid out-of-pocket for the new home. pennyMac has all the necessary documents and has provided a conditional approval, but is just sitting and not processing the file which is causing me to lose an additional {$8000.00} to {$10000.00} in the next XXXX weeks.
Product: Debt collection

I am writing to formally address an item that appears on my credit report regarding a debt that I have no knowledge of. After thoroughly reviewing my records, I believe this debt is inaccurate and does not belong to me. 

To resolve this matter, I sent a dispute memo to all three major credit bureausXXXX XXXX XXXX XXXX [ insert date ], requesting that they investigate and remove this erroneous entry from my credit profile. It has now been over 30 days, and I have not received any response from the credit bureaus. 

Given the recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against these credit reporting agencies, I believe that under the terms of those agreements and the CFPBs guidance on fair credit reporting, the credit bureaus are obligated to remove any inaccuracies, including this disputed item. 

Therefore, I request that the CFPB intervene in this matter and ensure that this inaccurate debt is promptly removed from my credit report, as the credit bureaus have failed to resolve the issue within the required timeframe. 

I have attached relevant documentation, including copies of my dispute letters to the credit bureaus and my credit reports showing the inaccurate item. Please let me know if you require any further information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Mortgage

In XXXX of 2022, BSI financial has repeatedly placed an escrow account on my mortgage claiming I have been delinquent in paying my property taxes, I have never missed a payment or made a delinquent payment. After 3 months of not processing my payments and reporting me late to the credit agencies they finally resolved my issue. Then again in XXXX I was notified that they again added an escrow account and again took several months to address. I just received another escrow analysis and disclosure statement that an escrow account is being added and my payment is increasing to satisfy the escrow shortage.
Product: Money transfer, virtual currency, or money service

I send money using my zelle account at the time and it went to a wrong account.. I never get a refund nor did I get an explanation of how to get a refund..
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I  was 90 days late in XXXX and in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any XXXX XXXX provided to me since XXXX. I contacted XXXX on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day XXXX XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and Equifax have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any XXXX XXXX provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with Equifax, their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full to XXXX XXXX on XX/XX/20 in the amount of XXXX. It was paid directly to XXXX XXXX XXXX and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with Equifax and they refuse to correct the information. XXXX XXXX has also refused to verify the correct information with Equifax as well.
Product: Credit reporting or other personal consumer reports

Capital One Auto has reported 2 vehicles as charge offs and I have the letters of release of liens and I have the titles of the trucks they refuse to update the account and they refuse to report my vehicles as paid to the CRA and this has been detrimental to me as a consumer. 
I am attaching what I have of this to prove which I have already sent copies to Capital One Auto and to the 3 consumer reporting agencies and the 3 agencies do not remove it either, and have NOT validated it to me with written proof. They just say it has been validated by the furnisher. A violation of 15usc1681s-2 ; 1681EB, 1681i5, to my detriment. 
the accounts are Account name : CAP ONE AUTO Account # XXXX Account name : CAPITAL ONE AUTO Account # XXXX {$34000.00} 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The poor reporting and malicious negligence of CAPITAL ONE AUTO has caused damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with CAPITAL ONE AUTOfor over 2 years and nothing has been done to correct these Federal Violations by CAPITAL ONE AUTO I need this reviewed and corrected and deleted from my reports. I also seek monetary damages from CAPITAL ONE for this devastation to my character and damage to my ability to purchase other goods for the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed some false reporting accounts and inquiries on my credit report and to this day have heard no response it is well past the time I've had to wait and im seeking litigation immediately I need to have these accounts removed immediately.
Product: Credit card or prepaid card

I made ( XXXX  ) Payments to Genesis FS. 

XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. 

XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. 

XXXX $ XXXX.ThisisnotreflectedonMilestonePaymentactivity. 

Becausethiswasnotreflectedin Milestone, XXXX XXXX  reversed the payment and refunded me. 

Milestone then reversed my XX/XX/XXXX payment. 

For two months, I have called a half dozen times. Each call takes 45-60 minutes. I have sent XXXX faxes with all the documentation. They do nothing but give me the run around. Every time I call they say that the haven't received the fax. They don't have a phone number or email or online chat/text with anyone in so called " billing department ''. In the meantime I'm " over my credit limit '' on the card which has a negative impact on my credit rating.
Product: Credit reporting or other personal consumer reports

My problem is with XXXX, but I could not figure out how to describe it given the choices. XXXX and XXXX XXXX XXXX. both sent me letters indicating that my loans were forgiven under XXXX and that my balance is XXXX as of XX/XX/year>. I noticed the loans still appeared on my XXXX credit report. I then disputed the student loan debts ( these were direct federal loans, XXXX subsidized and unsubsidized ) with all three credit reporting bureaus on or about XX/XX/year>. XXXX and Equifax wrote me back that they inquired with XXXX, and XXXX indicated my student loan debt was not a XXXX balance but rather the full amount prior to forgiveness. I have not yet heard from XXXX. 

I am afraid XXXX will bide its time and reinstitute the debt once the XXXX administration takes over. XXXX needs to inform the credit bureaus of the XXXX balance.
Product: Credit reporting or other personal consumer reports

after multiple complaints and disputes i finally heard back from a compliance specialist stating account would be updated i have the letter as proof. everytime i call for an update they state that they have not received any letter from any other department and that my account will remain charged off. i call everyday and i am being hung up on and put on hold and never gotten back to.
Product: Mortgage

Complaint : Unauthorized hard credit inquiry regarding a mortgage for XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) by Peoples Mortgage ( PM ) on XX/XX/2015. 

Contrary to XXXX & XXXX written instructions PM instructed XXXX to make hard credit inquiries to the major credit bureaus on XX/XX/2015. 

Despite XXXX repeated requests over two months PM failed to remove the unauthorized requests. Twelve months later they still show on the XXXX reports and continue to have an adverse effect on the credit scores. 

PM was asked to produce original documents such as Universal Residential Loan Application and a signed form of authority allowing a credit check. Since these documents had not been filed with PM they could not comply. 

A complete history of the XXXX requests and PM responses is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a student loan back in XXXX and withdrew from my classes with 1 semester and tried to re enroll the following term and had a outstanding balance of XXXX $ i wrote a heartfelt explanation letter to great lakes and asked them to allow me to re enroll and continue my studies but couldn't pay back the XXXX $ they demanded repaid before i could be put back into the student loan program and they denied me outright and told me i couldn't appeal ... and since then the balance grew to over XXXX $ from fees and i had it tarnish my credit report for years and years and could never get a loan or credit card because of it.. i still think to this day it's still on my report ... XXXX XXXX later!!! it came to my attention when i noticed it saying that it was only first sent to collections back in XXXX ... so they sat on the overdue bill for XXXX yrs XXXX   my credit score and only then XXXX later then sold it to a collection account company.. i have been severely XXXX by this and. we'd help ty