23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint Against Mortgage Lender for Multiple Failures and Unprofessional Conduct : To Whom It May Concern, I am writing to file a formal complaint against my mortgage lender for numerous and repeated failures to manage my mortgage account accurately and professionally. As a veteran, I am entitled to certain property tax exemptions, which my mortgage lender has consistently failed to acknowledge and apply correctly. The specific issues I have encountered include the following : Failure to Accurately Acknowledge Veteran 's Property Tax Exemption : Despite submitting the required documentation on multiple occasions, my lender has failed to recognize and apply my veteran 's property tax exemption. This has led to incorrect calculations and higher than necessary mortgage payments. 

Inaccurate Escrow Analysis : My lender has repeatedly failed to conduct accurate escrow analyses, both upon my request and on an annual basis. This has resulted in erroneous adjustments to my mortgage payments, causing significant financial strain and frustration.

Falsifying Insurance Premium Increases : On several occasions, my lender has falsely attributed increases in my mortgage payments to supposed rises in insurance premiums. These claims are unfounded and appear to be a tactic to unjustly inflate my payments. 

Denial of Receipt of Tax Exemption Documentation : My lender has repeatedly denied having received the documentation for my veteran 's tax exemption, despite my providing this information multiple times. This has caused undue stress and has hindered my ability to have my mortgage payments adjusted correctly. 

Unprofessional and Argumentative Conduct : During various telephonic interactions, representatives from my mortgage lender have conducted themselves in a highly unprofessional and argumentative manner. This behavior is unacceptable and has made resolving these issues even more challenging. 

Failure to Take My Requests Seriously : Overall, my mortgage lender has not taken my requests seriously and has failed to adjust my mortgage payments in accordance with their legal obligations. This negligence has caused significant financial and emotional distress.

I am seeking the CFPB 's assistance in resolving these issues promptly and ensuring that my mortgage lender adheres to their legal and professional responsibilities. Specifically, I request that my veteran 's property tax exemption be properly acknowledged and applied, accurate escrow analyses be conducted, and that my mortgage payments be adjusted accordingly. Additionally, I request that my lender 's representatives conduct themselves in a professional manner during all interactions moving forward. 

Thank you for your attention to this matter. I look forward to your prompt and effective resolution of these issues.
Product: Debt collection

Lvnv fund is trying to sue for a debt that is wrote off and not rightfully owned by them for XXXX
Product: Prepaid card

My account has been used by an unauthorized individual. I am unable to access my account. I am also unable to make a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX/XXXX  XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Product: Bank account or service

American Express had a XXXX Membership Rewards bonus for a new AMEX Platinum Card. I have had numerous AMEX cards over the years so I believed I only had the Business version of this card. I asked on their live chat and I was given the list of previous cards, this personal Platinum Card was not on this provided list. I even asked him to verify before I applied, he assured me I never had this card. After charging over XXXX on the card I was told online that I indeed had the card. I asked him to pull the chat and he said the agent made a mistake. The classic issue here is that AMEX can tell you when you apply that you do not qualify, instead they let you get the card issued, make your spend, and then are told by AMEX you do not qualify. These IT systems are smart enough to know if you qualify at application. This AMEX process is flawed and in many ways fraudulent. This company needs to address this issue, none of the other major banks, including XXXX and XXXX are so deceptive.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

The three credit bureaus have not yet taken any action regarding my complaint to remove the inaccurate items from my credit report. This is extremely distressing to me, and I want these negative accounts removed from my credit report. If the three bureaus do not take any steps or actions, I will file a complaint in court with the assistance of my lawyer. Additionally, I want to impose fines on the said bureaus due to the impact of the inaccurate data on my credit report. I hope they address this matter promptly to avoid legal action
Product: Debt collection

Received a notice from TSI that I had a debt from XXXX in the amount of {$47.00}. Ive never purchased anything from XXXX. I called both TSI a XXXX only to receive no actual assistance. If this ends up on my credit report, I will file for damages against either company.
Product: Credit reporting or other personal consumer reports

These agencies have been reporting income on my consumer report which violates the FCRA. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. And there are 3 accounts that must be removed as they are clearly inaccurate. It goes as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 I have not been able to resolve the issues with creditors prior to inquiries that have been posted on my account and I would like to get these errors resolved immediately
Product: Money transfer, virtual currency, or money service

Timeline : XX/XX/XXXX - Requested cashier 's check from my bank, Simple/BBVA, in the amount of $ XXXX for a down payment on a car. Simple says they will overnight the check. 

XX/XX/XXXX - Simple debits my account for the $ XXXX. 

XX/XX/XXXX - Simple sends me a XXXX  tracking number for an overnight delivery ( XXXX XXXX XXXX ). 

XX/XX/XXXX - I have not received the check, but the funds are still missing from my account, which means I can not access *** $ XXXX, which is a substantial portion of my net worth. 

I called Simple and was on hold for literally two hours. I spoke to XXXX XXXX He said he did not know where the check was and did not know how to find it. He said there was nothing he can do. 

I called BBVA. They had a record of the check but said there was nothing they could do to locate it and recommended I call Simple. They also referred me to a local BBVA branch that does not exist.
Product: Checking or savings account

I signed up and transferred {$20000.00} into Citibank with the promise of {$150.00} cash bonus.Three months have gone by and I called to see where the bonus is, they no of nothing.They told me to talk to the promo people who dont know anything about it as well.The next day I look at my Citibank app and account has vanished.I call them up again and they tell me there is a investigation into the account and it is locked with no access.They say it will take 24-48 hrs to investigate.That window has passed and still no access, its not back on the Citi app or online, its gone with no warning, no information given, they wont give me any details whatsoever.This is highly disturbing, my money is gone with no explanation.All I have is a ATM card to prove this is mine.
Product: Credit reporting or other personal consumer reports

Accounts in the adverse reporting were reported to XXXX, Experian, and XXXX. I tried to see if the the accounts were removed. All of the accounts were listed as closed and are now affecting my credit. There were no letters or correspondences received from the original companies. There were letters received from collection agencies, which were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

This item Bankruptcy : Discharged CH-XXXX XX/XX/XXXX XXXX-XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items could not be validated with written proof of contracts or chain of title for collection agency along with copy of license for the state and it has been well over 30 days as required by law. The original request occurred XX/XX/XXXX, followup sent XX/XX/XXXX and then again XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX  so I am not present at home for random mail ( been gone 2 years ). XXXX XXXX apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX XXXX weeks later XXXX 60 days late. Honestly I feel like it's fraud.
Product: Credit reporting

Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
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 Experian 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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted Experian multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.
Product: Debt collection

a installer came to my home from XXXX XXXX XXXX to give me there service, he said ; was unable to install because of a oak tree ; it would be in the way of the signal, he left and did NOTHING, no work at all. I sent ALL of there equipment back to them. Iam NOT paying a bill for nothing done!!!!!!! This {$100.00} dollar bill should not have been sent to me, please take it off of my credit report. Thanks, XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XX/XX/XXXXb/c I had a flat tire. I was told they couldnt fix the tires and I needed to get new tires. I didnt have money and I was told I could apply for a line of credit with Acima and it was easy, I just had to scan the barcode and apply. What I wasnt aware off, is that everting I pay my bill Ill have to pay taxes and the leasing cost, so even when I try to pay more some can pay off the loan theres always an extra charge and I cant seem to finish paying the loan, which I called and told the customer representatives, that the company is stealing from vulnerable people who needed help
Product: Student loan

Fed Loans is reporting late payments in XX/XX/XXXX & XX/XX/XXXXthat are not accurate. I am constantly fighting with them and calling them with issues. I have not been late, they have been on an Income Based re- payment plan, for 5 yrs! I have to re-apply every year to get them my info and I do it, IN ADVANCE every year. This year they only lost my paperwork 3 times. I do everything I am  supposed to, when I am supposed to yet they get to do whatever they want and cause me late payments which are erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statement made by this company is a complete lie regarding sending requested documents to my attorney. I spoke to my attorney during the same time frame and they stated that they have yet to receive any documents from this company! They never sent the original documents via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. They also are reporting a charge off on my credit report in which theyve never sent me a 1099 tax form. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore if you have not validated the debt, you must request that all credit reporting agencies deleted the entry. If you fail to remove this entry this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against the American Express, have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating.
Product: Debt collection

I am writing to file a formal complaint regarding Professional Account Management ( PAM ), the collection agency handling toll violations on behalf of XXXX and other California toll systems. I have been receiving multiple notices from PAM regarding alleged toll violations and fines that are a significant value, but I am disputing these charges due to significant inaccuracies.

Earlier this year, I sent a letter directly to PAM outlining my concerns, yet I have continued to receive notices. Specifically, PAM is attempting to charge me for several license plates that are not and have never been associated with me ( since my letter, they have added new license plates that still dont belong to me ). The only license plate that belongs to me is XXXX and even these charges are not accurate as they have been paid or should not have been charged in the first place due to HOV/toll pass. Additionally, they are imposing violations that should not have been assessed, including : XXXX. Commuting with multiple passengers under HOV lanes for which I should not have been charged. Which is free. 
XXXX. A XXXX pass that was active at the time and should have covered the toll charges. 
XXXX. Toll violations that have already been paid I have settled these directly with the XXXX and XXXX, yet they are being recharged by PAM.

I have made multiple attempts to resolve these issues with PAM, but they have not responded adequately or addressed the inaccuracies in the toll charges. Despite providing PAM with proof that these tolls were paid to the DMV and/or XXXX directly, and that the license plates in question do not belong to me, PAM continues to assert that the debts are valid. This is deeply frustrating and raises concerns about the accuracy and fairness of their collection practices.

I request that the CFPB investigate this matter and provide guidance on how to resolve these unfair and incorrect toll charges.

I am seeking : An immediate investigation into these erroneous charges and the failure of PAM to correct the record.

A removal of these disputed charges from my file and any associated penalties. 
Clear documentation that proves PAM has complied with consumer protection laws when handling this debt. 

Each letter has a different balance listed. Most recently PAM shared updated balances that are significantly less for each account ( attached ) but their online portal still has egregious inaccurate amounts.

Lastly, PAM has shared that they will report these charges to the credit report. These false charges are not consumer debt and reporting them to credit agencies would be violating state and federal consumer protection laws. Doing so would also be considered retaliatory. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Account Numbers listed on notice : XXXX, XXXX, XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but us also allowed repeat offenders to exploit the system, leaving users vulnerable to scams