23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I started an investigation of my Navient account with all three credit bureau, because XXXXis saying my student loan is paid in full. However XXXX and XXXX are stating theaccount is not paid, above all the Navient account has been paid off since XX/XX/XXXX oflast year. Since then I have contacted my lender who states they can't control what the bureauare reporting and that I need to talk them. This limbo between the bureaus and my old lenderhave gone on for a while now and I keep requesting investigation but they are not helping.
Product: Credit card or prepaid card

I called First Digital credit card company on XX/XX/XXXX, approximately XXXX XXXX and paid off my balance in the automated system. I called them back and spoke to a live agent and closed my account. They confirmed my account has a XXXX XXXX balance and sent me a letter to confirm I have a XXXX balance. 
On XX/XX/XXXX I received an alert about a past due balance. I noticed it was the account that I paid off in XXXX. I called them immediately and escalated to a supervisor who waived the charges. The name is XXXX, he promised a call back Monday to confirm. He never called me. 
I called back today, the first agent won't speak with me, after 20 minutes asking for a supervisor and being denied I hang up and call back. Next agent tells me I have a {$21.00} credit on the account and it's closed, I asked for a supervisor and I was connected to the same person, XXXX. He pretended that he did not know me, and pretended that I did not have an account and refused to speak with me because he could not verify my identity .These people have caused my credit score to drop 80+ points on obesity of my 3 reports and pretend that they do not know me, they are also denying me to speak with anyone at this company. It's time that a gift agency step in on my behalf Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These people need to close the account correctly, send me another letter stating such, and FIX my credit bureau reports. They are causing me undue stress, and causing harm by incorrectly impacting my credit scores on all 3 bureaus.
Product: Credit reporting or other personal consumer reports

I opened a claim here against Experirian and asked them to remove XXXX accounts related to XXXX XXXX from my credit report, a business credit card and a regular credit card. I am asking once again for these accounts to be removed from my credit report as XXXX did in my first complaint. 
I didn't understand what they did in the first complaint, they sent me a letter saying that they updated something with the company XXXX XXXX but I did not authorize them to pass on any of my information to that company, YOU MUST just check my social security and see that the numbers do not correspond to my document, this is my second complaint here and this error is affecting my reputation, remove this quickly from my credit report I'm trying to buy my XXXX XXXX  and I can't because of this error. REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having a terrible experience with Experian and XXXX XXXXMy credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a XXXX  XXXX account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed Experian about this matter and although I have a security freeze an Experian representative told me that XXXX  XXXX broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXXPlease if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a XXXX  XXXX   and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX  XXXX at XXXX XXXX  and XXXX  XXXX  and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports
Product: Mortgage

I applied for a mortgage with Associated Bank out of XXXX XXXX, WI. I authorized them to pull credit on my XXXX/XXXX/XXXX. After receiving a pre-approval, I made an offer on a house. After I made the offer and turned in more paperwork for them, they came back with a debt to income ratio that did n't work for them. They had me pay off my car for $ XXXX and a credit card for $ XXXX which I did to get the debt to income in line. Also, I was going to put 25 % down ( over $ 90K ) and my only debt was then a cell phone bill and an insurance payment. They once again told me that my debt to income ratio did n't work for them and they needed my wife to be on the loan. So they ran her credit and had her do the required paperwork only to back out of the deal completely on XXXX/XXXX/XXXX due to some credit issues related to an old business she owned. Since then all credit issues have been resolved through a credit correction agency and we were approved for a mortgage with another bank. The reason for the complaint is that on XXXX/XXXX/XXXX Associated Bank pulled credit on us again without authorization. We were notified of this because we were in underwriting with the other bank and they needed a letter of explanation stating why we were applying for credit. I contacted our mortgage representative, XXXX XXXX, at Associated Bank several times without getting a valid reason for the credit pull 9 days after they send us a letter telling us they could no longer help us obtain a mortgage. Twice I requested that they send me a letter ( on bank letterhead ) stating that the report was pulled in error and that no credit was extended, a brief apology and that they would be contacting the credit bureaus to have the inquiry removed. I have received no such letter as of today XXXX/XXXX/XXXX. Based on my experience, Associated Bank and/or XXXX XXXX are deceptive in their intentions related to their mortgage process or their process is broken. It is possible they did n't even have the money to lend. At this point I still want my letter and feel they should be fined. Beware!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> The Credit bureau 's stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX I was instructed by a representative of XXXX XXXX ( XXXX, XXXX ), XXXX XXXX XXXX in NY, to wire {$65000.00} to the account of XXXX XXXX , XXXX at TD Bank, Florida for the purpose of purchasing a money clearance document, for the alleged {$11.00} Million in cash sent for purchase of raw material / XXXX XXXX that XXXX XXXX, XXXX requested for allegedly use for medical equipment that they produce in XXXX and also have offices in the US ( i.e. XXXX, CA ). From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX spoke with me on the phone and said that the $ XXXX wire-transfer has not been received and on the XX/XX/XXXX he suggested that I request the funds be returned something was wrong. According to my then bank, XXXX XXXX, onXX/XX/XXXX XXXX XXXX sent me a copy of a communication from TD Bank advising that the subject $ XXXX funds will not be returned ( see copy herewith ) in regards to my case # XXXX. At this point, I strongly suspect that TD Bank was involved with XXXX XXXX , XXXX in defrauding me, and likely others based on XXXX XXXX phone comments to me stating that multiple claims were filed against the XXXX XXXX , XXXX account at TD Bank, some over $ 100K. To date, no detail has been provided, however, I received an email from XXXX XXXX confirming that the account holder is refusing to return the $ XXXX wired funds without any explanation / cause. This is clearly grand theft since no transaction materialized when XXXX XXXX chose to move the cash overseas to the XXXX ( see attached email ) from XXXX XXXX. Additionally and curious, on XX/XX/XXXX I received an email from XXXX XXXX advising me that I would be receiving {$290.00} of the original $ XXXX even though my claim and the subject TD Bank account was allegedly frozen with my fraud claimXX/XX/XXXX.  Clearly, something is wrong at TD Bank offering this {$290.00} token refund that is unacceptable and will not be cashed since received a cashier 's check from XXXX XXXX, not TD Bank as sad by XXXX XXXX to me. Please assist me in recovering all my money since this is clearly grand theft and a scam on me. I greatly appreciated your assistance in recovering my money..
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXXXXXX XXXX i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me Home depo not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Thank you for your immediate attention to this matter.
Product: Debt collection

The following items were listed on my credit report and they do not belong to me : XXXX account number # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX
Product: Checking or savings account

I opened new Momentum checking account with 5/3 over the phone. I had {$400.00} coupon that I was supposed to receive after total of {$500.00} will come to the account in form of direct deposit within 90 days, which I completed within a week or two since the account was opened. The opening account conversation was entirely recorded and I made sure multiple times to remind the banker if the coupon code was promptly added to my account. Unfortunately the banker on the phone did not add the coupon to the system only wrote a note on their internal system with coupon code and the amount {$400.00}. Because of that I never received the XXXX After battling with local branch in XXXX XXXX IL and total lack of responses back with their staff, I finally was able to talk to their BM after 2 months! and I was told that she is shocked but their back office denied my request to give me that bonus. I followed all the requirements to receive that bonus and because of obvious BANKER ERROR instead of apology I received deny on my request to receive that {$400.00}. Really upsetting as new client how I was treated by one of largest financial institutions. Starting with total lack of knowledge by the banker who opened the account over the phone and ending on total ignorance on my phone calls, voicemails and emails by staff at local branch at XXXX XXXX XXXX in XXXX  XXXX, IL and at the end when I thought it will be finally resolved I was told my request was denied! It is false advertisement, I followed all required steps to receive that bonus in timely manners and thats why I was penalized because of their staff errors and lack of knowledge. Something that should be very easy fix.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I transferred {$2500.00} to my NFCU checking account from my account at another bank in an attempt to pay of 2 ( TWO ) credit card balances for an offered amount from NFCU of {$2500.00}. I sent an eMessage in the secured message center of the member area indicating that the above stated amount was transferred and authorizing that the balance be paid for the offered amount for the 2 ( TWO ) credit cards stated in the email. I received a response a couple of days later informing me that {$2500.00} was drafted from my account to pay 1 ( ONE ) credit card. I did NOT authorize the amount drafted, nor did I authorize it for only ONE card. I replied to the message via the secure message center stating this, and received another response stating that these matters can't be discussed via eMessage and that I would have to call. I prefer emails so that there is written proof of what occurred. Last week, I received an email from the " Recovery Department '' stating that my husband did not pay off the balance owed on his card and I received one today stating the same. I emailed the recovery department last week and was told that my email was not secure and that they could not speak about it in such a manner. Attached are all of the copies of emails and letters as well as a bank statement showing the amount drafted from my account.
Product: Debt collection

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what UNITED HOLDING XXXX is doing by demanding I owe an alleged debt.
Product: Credit reporting or other personal consumer reports

This is a follow-up to CFPB complaint closed on XX/XX/XXXX. AmSher XXXX XXXX claims they validated the debt by mailing documents on XX/XX/XXXX. However, they failed to provide proof of delivery no certified mail receipt or confirmation of receipt which is required under FDCPA 809 ( b ).

They also failed to provide : A full transaction history Chain of assignment or debt ownership from XXXX XXXX  Verified license to collect in Florida Documentation from XXXX XXXX  fraud investigation ( only a summary from AmSher ) Continued reporting of this debt to credit bureaus violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA. Their response ignored several of my lawful requests for documentation. I have attached a full rebuttal outlining these failures and prior public cases ( XXXX, XXXX, XXXX ) that show a pattern of non-compliance by AmSher.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months they said i would have to wait 180 days to be able to transfer my funds out which was on XX/XX/2020 so it has been more than 180 days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with a few disputes of Zelle with CFPB lawsuits, 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 infeasible. The CFPB findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users and myself included vulnerable to scams.
Product: Mortgage

Received collection ca ll from Ocwen mort gage on  XXXX / XXXX /   2017  about my  XXXX     2017  mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that  XXXX  2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of  XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit report.
Product: Mortgage

Freedom Mortgage purchased my loan. They do not abide by the terms originally set in my loan nor do they acknowledge that this is a federal requirement, to include the payment due date. 

When converting to Freedom Mortgage from New Day USA I did not receive federally mandated written notification on where to pay Freedom Mortgage. Their conversion to allow me online access took eight weeks. I called them prior to deploying as the conversion was taking place as I was stepping on the plane overseas and expressed my concern that I was not able to log in, nor did I have documentation on where my mortgage payment was to be sent. 

Eight weeks into the XXXX my neighbor emailed me stating that I had a foreclosure notice on my door - with literally no way to pay my mortgage as it was lost in cyberspace of converting it over to a Freedom Mortgage loan. Freedom Mortgage charged me {$15.00} for placing the foreclosure notice and doing a " home inspection '' to see the status of the property. I advised them that not only was I attempting to be proactive in paying my mortgage, they were in violation of Service members Civil Relief Act by attempting to foreclose on me while XXXX. 

This is, hands down, the worst mortgage servicing company I have ever dealt with. They are in violation of several federal mandates and SCRA protections with ZERO accountability.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed the errors from my report.