23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX Selene Finance, You are engaging in predatory lending practice by failing to pay my insurance in full. My insurance invoice is attached, the total insurance premium due is {$2800.00} and yet you willfully underpaid the insurance premium, specifically on XX/XX/2024, you only paid {$1900.00}, please paid the remainder insurance asap as soon as possible and you are responsible for all the late fees and insurance cancellation. 

Borrower reserves all rights, nothing is waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX, a XXXX American. " On or about XX/XX/XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX  sold a pool of charge-off accounts ( the Acounts ) by purchase and Sale Agreement and a Bill of Sale to Midland Funding LLC. '' I, XXXX XXXX XXXX does not have a contract with Midland funding and I signed a court document T.D.C. meaning threat duress and Coercion and A.R.R. on XX/XX/XXXX. XXXX  and XXXX  the attorney 's for Midland Funding got a Final Judgement for me XXXX XXXX XXXX to pay the debt in which there is no contract that I XXXX XXXX XXXX does not have. The final Judgement was on XX/XX/XXXX in XXXX XXXX County so called " Court '' of the XXXX XXXX XXXX in and For XXXX County. A Delegation of Authority Order was never shown forth by XXXX XXXX XXXX. I am moving this case to XXXX Court. This is the 2nd time I had to file a complaint against Midland Funding LLC. The number of the first complaint I filed with the XXXX XXXX XXXX XXXX was XXXX.
Product: Credit card

I close my chime credit card account thinking they can transfer the XXXX i had left into my account I closed it because they wouldn't give me access to my account to withdraw so they said there gon na Mail it to me and it's been six months now and still waiting they keep telling me the same thing over and over again i had to borrow money from family and friends just to keep up with my bill i was supposed to pay and its with chime account
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my consumer report because it is not available in an accessible format. This reporting agency only provides reports by U.S. mail, which is not accessible for a person who is XXXX. This is important because I was just denied the ability to open an account based on information on file with this agency, and I am unable to meaningfully exercise my report-access rights under the FCRA.
Product: Checking or savings account

BANK OF AMERICA KEPT MY FUNDS THAT WERE LAWFUL IN THE ACCOUNT XXXX  TRANSFER ALSO MY FUNDS BEFORE THE TRANSFER THEY KEPT THIS HAPPENED IN 2019 I DONT REMMBER EXACT DATE BUT YEAR WAS XXXX BANK OF AMERICA FROZE MY ACCOUNT AND KEPT MY FUNDS ALONG WITH XXXX  MONEY TRANSFER THAT WAS LEGAL AND LAWFUL
Product: Checking or savings account

This bank is a disgrace. i have been complaining about abusive fees since 2022 and they only refund me XXXX dollars???? AN ABSURD, a disregard for the customer. they want to shut us up. Wells Fargo, look at my statements from 2022 until now and see how many fees I've paid, these are abusive fees. how dare you give me back ONLY XXXX dollars???? this is absurd, terrible treatment, they treat the customer like an XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian due to an issue with a prior debt I had being listed incorrectly. I paid this debt via a settlement back in XXXX of XXXX, and it was listed correctly on my credit report after the settlement was paid. However, when a new company bought the debt, they listed the debt as having missed payments and still having an existing balance. 

I submitted a dispute with Experian regarding this issue, and supplied proof of the settlement. Experian did not fix the issue on the report. I submitted a second dispute, attaching the proof of settlement a second time. Again, Experian refused to fix the problem. 

Currently, my credit report from Experian shows the debt as Account Charged Off, with a Past Due Amount. Despite providing proof of the settlement occurring on this debt, Experian has not corrected the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them
Product: Student loan

I am enrolled in the PSLF program and MOHELA has incorrectly placed me on a Level repayment plan which does not count towards PSLF. I have called numerous times to check on the status of my pending IDR plan. 

I applied for the XXXX repayment plan in XX/XX/XXXX. MOHELA/Student Aid has been processing my application since XX/XX/XXXX, and it is still " processing '' as of today, XX/XX/XXXX. Since XX/XX/XXXX, MOHELA has placed me on the wrong repayment plan. MOHELA has placed me on the Level plan, but previous to my re-application in XX/XX/XXXX I have always been on an IDR ( income-driven ) repayment plan in order to count my eligible employment toward the PSLF program. I spoke to customer service representatives at MOHELA back in XXXX and XX/XX/XXXX, who verbally verified the correct payment under the XXXX plan that would be applied to my account once payments restart, yet I never received written communication about this. For the last 2 months, MOHELA has disabled the message button on my account, so I am unable to directly send messages in order to have written communication on file. When I asked a MOHELA customer service representative for written verification of my conversations, they said no. 

Since then, I have reached out to MOHELA again to fix this issue and to place me on the correct IDR plan. They have me due for a payment today, XX/XX/XXXX, on the Level plan which is incorrect and will NOT count toward PSLF payments, as well as the payment amount being incorrect and much higher than what I would pay on my typical IDR plan. I have reached out 3 separate times during the month of XXXX alone to have this issue resolved and still no change to my account. As of XX/XX/XXXX, MOHELA has placed only half of my loans in Administrative Forbearance, with a XXXX plan payment still being reflected on my account. When I last spoke with a representative at MOHELA previous to XX/XX/XXXX, they misinformed me. I was explicitly told that my full account would be placed into forbearance until I was on the right repayment plan, since I have taken all necessary steps on my end to apply to an IDR plan to have my payments reflected for PSLF. As of today, there is no change on my MOHELA account. For the record, I have a 100 % on-time payment history for my loans and now due to MOHELA 's processing errors, misinformation, and lack of proper guidance, I may have a past-due payment reflected on my account and a full month of eligible employment not counting toward my PSLF. How is that fair, when I have taken all the correct steps necessary on my end to make sure I am on an IDR plan for my PSLF payment counts? 

I need further assistance with this matter as my calls to MOHELA have not remedied my requests and have created significant stress on my end over the last couple of months.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD
Product: Money transfers

I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid in full on XX/XX/19 for the amount of XXXX. Payments receipts attached below. Debtor is reporting false information on the report claiming it was settled for less than the amount owed. Communication was initiated to get the issue resolved but nothing has happened just yet.
Product: Credit reporting or other personal consumer reports

Everytime I make a dispute on equifax my score drops massively. 

They refuse to correct the XXXX account and since I filed this report : XXXX my score has dropped by over XXXX points with no other changes. Is there an attorney that reads these that can contact me, it has gotten out of hand
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX  willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX I am demanding monetary relief for the damages above or I will file suit in federal court within the next 14 days if my demands are not met. This is not a negotiation.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed inquiries that i did not authorize
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

They keep texting me without my permission. 

XXXX XXXX needs to pay me for the cost of the texts and my time otherwise I'll be filing a complaint at XXXX Professional Account Management LLC already stated in their written response of CFPB complaint XXXX that they did not have permission to text the cell phone number. They are not removing the automated texting of all their users.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights critical shortcomings with the platform. Despite being a frequent user of Zelle, my own experience underscores these issues. In XXXX, I was the victim of a scam, and both my financial institution and Zelle failed to adequately investigate my claim or take meaningful action. I was informed that recovering my lost funds was impossible and that tracking these transactions was not feasible. 

The findings from the CFPB further emphasize that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system. This lack of oversight has left users, like myself, vulnerable to scams with little to no recourse. 

I urge Zelle and its partner financial institutions to address these systemic issues and implement stronger safeguards to protect consumers from fraud. Ensuring accountability and improving the dispute resolution process are essential steps toward restoring trust in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX through XXXX. Student loan sallie mae, navient, XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Product: Mortgage

On my VA mortgage loan, USAA FSB is the purported lender and XXXX is the purported " Servicer '' and XXXX XXXX as the Investor, as which is claimed on an online eRegistry named the MERS ( r ) eRegistry System, owned by XXXX XXXX XXXX XXXX My loan documents contained a MIN ( mortgage identifying number ) which I was unaware at the time was used to electronically record my loan documents to this eRegistry portal. USAA and XXXX shared my personal social security number with XXXX whom I had no contact or contract with and further information about my loan details is only accessed utilizing my SSN. I was never provided information that my information was to be shared nor have I received an opt out notice. 
The MERS eRegistry site is not encrypted which is a violation of Pennsylvania Privacy of Social Security Numbers Law and Breach of Personal Notification Information Act. The sharing of my SSN is also a violation of the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX XXXX are reporting in accurate history on my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX totaling 31 late payments. Section 623 of the fair credit Act strictly calls for accuracy for consumer reporting agencies. Also Equifax has refuse to remove the 2 collections on my credit by XXXX, XXXX for {$420.00} and XXXX XXXX, XXXX for XXXX in which I have or had no accounts or affiliations with the creditor or it's partners. XXXX and XXXX XXXX have remove the collections from my account however they remain with Equifax.
Product: Money transfer, virtual currency, or money service

I called to ask the company what happened to my acct and if there was anything I could do to fix whatever it was I did wrong and they told me there's nothing they could do or tell me.
Product: Credit card

It's been going on for 2 years. That I have not had a security credit card in my possession. I have continuously tried to fix all the bank issues bank of the west has given me, including all the overdraft fees, on my regular bank or checking account as well. With this being an issue, I have not been able to build my credit correctly. It's hindered a lot. 
I've called the bank, went to the bank. Ordered card, did everything that I could possibly do. And nothing happens and I have yet to receive a secured card so I basically have a secured credit card for nothing. Not including the lack of Service provided to resolve my issues correctly has not been for for field.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS and its parent company XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. 

Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.
Product: Credit reporting or other personal consumer reports

I reached out to the 3 major credit bureaus to assist me and requested deletion on account errors on my account. Only XXXX helped me and complied on the removal of errors, while XXXX and Transunion required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 We were approved for Corona Virus Assistance. On XX/XX/XXXX we ended the forbearance and was approved for the FHA Partial Claim. XXXX XXXX sent paperwork and this paperwork was signed and returned on XX/XX/2021. Amerihome Mortgage assumed the mortgage and the two companies have yet to reconcile the end of our borrower assistance. I have turned in all documents many times and also followed all protocols with no resolution and now I am receiving threatening mail about foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance. Review carefully and follow the law.
Product: Debt collection

I am repeatedly getting calls both on my cell phone and my place of business. I have asked that they send a letter advising of the debt so I can handle it accordingly if owed and then block the number on XXXX. I 'm continuously getting calls from changed numbers and no letters have been sent. 

The other numbers that I 've been called from include:XXXX