23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transuion removed the incorrect information, after the re inserted the in accurate information
Product: Student loan

I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert stating my account is 30 days past due and now delinquent. As per XXXX payment was not received for XX/XX/22, which I have 10 days before I am charge a late fee and 29 days before it is delinquent. As per Transunion payment for XX/XX/22 was 30 days past due, However payment was received on time. For the past 2-3 years payments towards my XXXX XXXX XXXX XXXX was paid before the 30 day past due mark.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

I sent a letter to XXXX explaining an account appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.
Product: Debt collection

I received a letter from CAVALRY PORTFOLIO SERVICES, with Account # XXXX, indicating that there is an account in my name with a XXXX XXXX card that owes over {$1500.00} dollars. I have written to them multiple times to indicate that I do not have and have never applied for a XXXX XXXX credit card, that the account is not mine, that there must be an error or that I was a victim of fraud. I have asked them several times to tell me which XXXX XXXX store the purchases were made to show them that it was not me, but they do not send me the information. I maintain that I have never had or applied for a XXXX XXXX credit card. I request that they provide me in which stores the purchases were made, information that I have asked them several times and they have not provided me. They maintain the position that the information is correct, which I oppose.
Product: Checking or savings account

First off, In the month of XX/XX/year>, I was informed that chase accidentally sent {$4000.00} in a series of 6 declined transactions to a company named XXXX which made my checking account negative ( this is impossible because I have my checking account set up to never allow it to go negative and manage my money very carefully ). I have since disputed those transactions in effort to recover that money, however neither chase or espnbet are fixing the issue and I keep getting sent in circles. 

This lead to chase closing my checking accounts and claiming I owe them the money that they accidentally sent to espnbet when the deposits simply should have been declined. 

I am missing {$4000.00} from my checking account and now that they closed my account, they are holding my entire checking account ( {$99000.00} ) for XXXX business days before they send me a check. 

I want access to the money that I have in my checking account immediately, and I want them to recover the money that they sent to XXXX despite the transactions being declined. This money ( {$4000.00} ) has essentially vanished from my chase checking account as XXXX is claiming they never received it and chase is doing nothing to track down this money.
Product: Student loan

Since I graduated with my XXXX in 2013, I have had trouble financially being able to make payments towards my student loans. From being unemployed to having a job, living with more than 5 people in a single household, to now only having a job that makes me {$31000.00} a year before taxes. Navient never puts into account how much I make a month after taxes, and how much I have to pay in bills. I cant even afford to pay for my own health insurance, how can I afford to pay towards student loans. I now owe over $ 100k in student loans after all the interest stacked up. I dont think Ill ever be able to pay this off. My main complaint is that they dont provide support and when you go to make a payment on the due date, they charge you a late fee and then make you also pay for the next months balance. Im furious! How is my payment late if Im paying it on the due date? Thats preposterous! I absolutely refuse to pay for next months payment on top of this months payment. Im barely making ends meat and they have the nerve to try to force me to pay both this month and next months payment? They dont even give me the option to only make the payment for this month. This is wrong.
Product: Mortgage

I am requesting a written document that explains what type of modification trial I was approved for in XX/XX/XXXX. 

What date did the modification trial start? 

How long was the modification trial for? 

Did the MODIFICATION trial fail? 

Attached XXXX Mortgage Statement showing the monthly amount due and current interest rate of 4.25 % fixed ( XXXX XXXX XXXX XXXX XXXX  FHA fixed rate program ). 

XXXX XXXX XXXXtreasury.govXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didn't receive this paperwork - you need to remove this account immediately. You are also reporting different information when all data furnished should be accurate. How is the payment history inconsistent and how can the date of last activity have 2 different years? Please see the attached letter that was sent to the company XX/XX/23 which is dated, and time stamped along with the inaccurate credit report. Remove the following account from my credit report within 15 days : XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint regarding my unsuccessful attempts to open an online bank account with several major institutions, including US Bank, XXXX XXXX XXXXXXXX, XXXX, and XXXX. Despite numerous efforts and providing all the necessary information and documentation, I have been unable to open an account with any of these banks. 

I am currently dealing with a serious illness that prevents me from visiting bank branches in person, making online banking my only viable option. Additionally, each bank has run my credit, and I am not in collections nor do I have any issues with my banking score. 

This situation is causing me significant distress and inconvenience, as I rely on having a functional bank account to manage my finances, pay bills, and receive medical payments. It seems these banks are not accommodating the needs of customers who are unable to visit branches due to health issues. 

I would greatly appreciate your assistance in investigating this matter and ensuring that banks provide reasonable accommodations for individuals in similar situations. Thank you for your prompt attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX, I called and talked to Carrington about my complaint. I was on the phone with them for almost 2 hours. While talking with the representative, I was told there was nothing they could do for me. I asked to speak with a manger, who also reviewed information with me but stated there wasn't anything they could do. 
My mortgage was transferred from Carrington to XXXX XXXX in XXXX of XXXX. When it was transferred, I was told by XXXX XXXX that I was a few payment behind. I called Carrington then and was told there was nothing I could do. Now, a year later, I am trying to do something with my mortgage and Carrington is not helping me. They have falsely reported multiple lates to my credit report. I can tried to dispute this and cant get anywhere with them. I have proof of the payments from my bank account. I also have a history from Carrington showing payments being made or paying extra. They told me the extra money would be put in a " bucket '' when I had enough for an extra payment, they would apply it. So essentially I thought I was a few payments ahead. I was also told by the rep on XXXX  that a payment isnt considered late until its 20 days late. After reviewing the file, she didn't see where I had been 20 days late on a payment! You can see in the payment history, there is unapplied funds just sitting there. I never got those funds back and they were never transferred to XXXX XXXX, per XXXX XXXX. Where did my funds go? How much money did I pay extra and not get back or transferred to XXXX XXXX? How much do they owe me? While talking with Carrington for almost 2 hours on XXXX the rep agreed that this was " a mess, it was all screwed up and it looked as if Carrington had put lates on my credit for no reason '' ( reps words not mine ) but even though she felt that way, there wasn't anything she could do to help me because the account was no longer with Carrington. Per XXXX XXXX, Carrington continued to report lates on my credit after I was no longer with Carrington and it had been transferred to XXXX XXXX. They acted as if the loan with still with them and reported lates and it wasn't with Carrington anymore. Due to all of this, I am unable to do anything with my mortgage due to all the lates that were reported incorrectly and falsely! I have done a lot of research and it appears this is a known issue with Carrington and we need to get this stopped. 

Also, because of all of this, I have been paying extra each month to " catch up the payments '' with XXXX because they have to go off of what Carrington provides them, which was that I was behind a payment or two.
Product: Debt collection

When I canceled my XXXX account in XXXX I had not agreed to a new contract for XXXX years. I brought my last phone on line and paid cash. When I called to cancel, I was told I would have an early termination fee and I requested a copy of the contract I had agreed to so we could resolved the issue, and I never received the contract. I disputed the information on my credit report in XXXX XXXX and they said the information was correct but still has not provided the last contract that I requested to prove the debit was legit. Only thing I got from XXXX is a bill for {$380.00} with no break down of the charges. I understand that XXXX was upgrading their system here in XXXX NC but the lack of service and the constant drop calls were killing my business. I was with XXXX XXXX for XXXX years and dealt with a lot of changes but never pictured they would not give me the proof that I was under contract.
Product: Credit card or prepaid card

I applied for the Target store credit card using their online application process. 

I submitted a proper application with all the correct identity information. ( The customer service agent confirmed that my application was approved, subject to identify verification ). 

Upon approval, the online application system started asking auto-generated identify verification questions. 

However, all these questions appeared unrelated to me, which indicated that the system was asking about an identify of someone else. 

As a result of the error in the automatic identify verification system, Target initially put a burden on the customer to prove his identify, and in turn unilaterally denied the application, after putting an hard inquiry on my credit history. My credit score dropped because of the hard inquiry. 

When I contacted Target to correct the error, a Target representative and her manager refused to correct my application or the error. 

When I ask the reference number to the case and a contact for their legal department for written communications, the call to Target was disconnected by Target. 

Target must nullify the application and remove the credit inquiry, because the credit denial was due to their error.
Product: Mortgage

We had filed forbearance on XX/XX/2020 for COVID-19 coronavirus relief. It was approved by Flagstar and mortgage company. Now we are receiving letters that we should pay immediately back to back amount estimated XXXX Dollars. My business was directly affected by this virus and I would like to use this forbearance until coronavirus subsides and business restores fully.
Product: Checking or savings account

I was approved for XXXX in XXXX from Washington State during this time from XXXX and XXXX Mississippi including XXXX XXXX LA and now XXXX  XXXX Missouri I have been trying to contact Direct Express through the automated phone number in regards to filing disputes and receiving bank statements regarding my Federal benefits I have been cut off no response including receiving false documents and unknown amount of prepaid debit cards that are still currently active and my name XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX has or is still being used to illegally collect Federal benefits through the process of international funds and currency as Direct Express and Comerica Bank have been in the news this year for banking fraud and identity theft issues regarding the elderly and XXXX including VA beneficiaries about their accounts and funds not being available or stolen. I believe that this company should be held accountable for their banking violations if all laws and regulations just in XX/XX/XXXX they were sued by several states for violating banking laws they also are or were using my personal information to attain Federal benefits including using my children 's personal information through fraud and identity theft please investigate as these people or group maybe using this for Tribal benefits and Federal benefits illegally
Product: Debt collection

Per the 15 USC 1692g validation of debts, I do not recognize how this account is reporting on my credit report I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA. Additionally per 15 US Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My mortgage company, BB & T recently mailed me a letter stating that they have changed the tax payment frequency of my escrow from quarterly to annually in order to take advantage of a 2 % discount that my municipality offers if real estate taxes are paid in full. This has caused a significant shortage in my escrow, and after researching all last night, Im afraid that Im going to be stuck with the only options that they have given me. I never requested a change, have never been late on a mortgage payment, and Im beside myself right now because I believe my options are limited. I will try to provide as much info as I can, and round numbers. 

I bought a house about 4 years ago for XXXX ( XXXX loan and XXXX down payment ), and right now Im at about 0.83 for a LTV. My mortgage payment has always been around the same amount with slight fluctuations after an escrow account recalculation, but nothing drastic. Only this time, because of the one lump payment, theres a shortage of about {$3500.00}. They have given me 4 options : 1. An extended shortage spread of 24, 36, 48, or 60 months. They state theres no fee assessed with this option, but they dont state whether there would be interest or if Im going to be in perpetual escrow shortage again next year 2. Repay the escrow shortage in full ( which I could have probably done if I hadnt just bought a new car recently, which is why Im in a panic ) 3. If applicable, you may qualify to remove you escrow account. 

4. Have my mortgage payment go up $ 300+ a month over the coming year My Escrow Account Disclosure Statement usually comes in XXXX, but because of the shortage on the escrow due to the lump sum payment, they reevaluated it earlier and Im receiving it in XXXX. There doesnt seem to be much info on this, and from what I found [ 1024.17 ( k ) ( 3 ) ], the Consumer Bureau only encourages, but does not require, the servicer to follow the preference of the borrower, if such preference is known to the servicer. So, in order to save me about {$100.00}, my mortgage company is throwing my finances in total disarray at the last minute. 

I just got off the phone with them ... after talking and getting transferred to various people, apparently there really isn't anything I can do. I can't drop the escrow because i still have PMI. They said that they will not/ can not revert back to quarterly payments ... even though if my municipality were to remove the discount, they would have to revert to installments. They said I can dispute it by sending a letter to a PO Box ( no email or phone ), and would have to wait and hear back. If I extended the shortage spread to say 60 months, I will be in a negative escrow for the next few years, and refused ( or didn't know ) how that would impact my escrow payments in the following years. One of the ladies I did talk to said that they've been fielding similar calls all day.
Product: Credit card or prepaid card

Hello, I spent over a month trying to sort this issue with the Upgrade , Inc. Their numbers on the statements do not match. I spent about 2 hours on the phone with their rep/supervisor XXXX and explained to him the problem. He should have escalated to back office, explain that we looked at 3 or 4 months timeframe to isolate all disputes that were causing the confusion. We calculated all my payments, interest accrued during those 4 months, it created shortage of {$1200.00}. After that we deducted the 2 deposits to XXXX ( XXXX and XXXX ) and there is still around XXXX short. I called later and was practically blown off by other reps including rude XXXX XXXX who hung up on me, and then XXXX who basically stonewalled me. He said everything is correct. I asked him to either connect me to the the department who does the review, and he refused that. I asked him then to forward my email with explanation to that department and to forward back to me their response- he refused that too. Their statements are designed to be impossible to understand a thing, and I am a XXXX with career in finance. Their customer service is just as bad, and company acts as a fraud. I borrowed close to $ XXXX from them across 2 accounts, and never was late while paid off almost all I owe, and for that I get such treatment. 
Please help me resolve this matter Best regards, XXXX XXXX
Product: Student loan

My loan has been sold multiple times for repayment of the loan. I have been making my most recent and up to date payments of {$100.00} per month for 2 years to Navient solutions LLC.  Despite my payments they are sending me notices of default. They returned my payment for XX/XX/XXXX which I sent right back. They are trying to get my taxes in order to pay more into my loan. I am unclear as to why my account is considered in default. I am also unclear as to how my payments are being applied. I am not provided with statements showing my month payments have been applied. I have attached my payments of {$100.00} from the years XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; I rented a car in XXXX of 2013, and had an accident. 
My insurance paid Enterprise most of the amount and i paid the rest, which was my deductible.. 

Thursday of last week a car ran into mine while i was parked, and the other drivers insurance company agreed to pay for a rental for me, from Enterprise, while my car was in the shop. 

The first enterprise i was at said i was on the " do not rent list '' because i owed XXXX from 2013. 

I called the collections department, and all they had to do was look me up, check the files, and sure enough they had records saying i owed nothing with out me having to print out supporting documents from my bank. 

However, they are refusing to send me proof that i have paid my account off, and they are also refusing to contact and update the three credit agencies. 

All I want is written confirmation of what they already told me over the phone, and a copy of the letter to the credit agencies. emails would be fine but they refuse to do that.