23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Today I learned that I had inadvertently transferred money in my accounts resulting in actually borrowing money. I had transferred money from my XXXX XXXX XXXX account to my bank of America XXXX account. After clicking on transfer, I checked the amounts in my XXXX accounts which said available money and I made the transfer. I learned today that the available money quoted in my XXXX account was the actual money plus a margin of about {$20000.00} which I could use to borrow and pay interest on. I was mad and said this term is fake. I feel that the amount of money listed when you transfer money should be the real amount in your account. If they are going to use the term " available '' for money you can borrow from your account, it should be clearly stated that you have exceeded your real balance before you finalize the transfer. 
While my XXXX XXXX representative did transfer money back to my XXXX account and said I would not be charged interest, I feel that terms listed by banks should be regulated so that when you transfer money the amount listed should be the actual amount in your account.
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the XXXX XXXX breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Reason for Dispute : Account created due to breach, identity theft, and unauthorized access. 

XXXX XXXX Compliance and Dispute Codes : Compliance Condition Code : XXXX ( Consumer Disputes This Information ) Dispute Reason Code : 103 ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts. 

Implementation of a fraud alert and security freeze to prevent further fraudulent activity. 
Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

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

I do not recognize this address please remove thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX   advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian for over 2 years now about a vehicle from XXXX XXXX that I have on my credit and I have not had any accounts with this company. I also sent them a letter certified asking them to do a investigation on the account and I was provide information from a XXXX stating that they just send basically a email over to the company and the company can just verify the information just by the click a button. No type of paperwork so that the account belongs to this person at all. I didnt have this much trouble with the other XXXX credit bureaus at all. This has been such a nightmare for me dealing with Experian. It has cause me so much stress. I also sent them other paperwork about account that have been paid and needing to be removed and nothing was done. All of the documentation was sent certified mail. Please help me with this matter.
Product: Debt collection

My husband and I get calls from D. Scott Carruthers office. They called my husbands employment ( he teaches at a public school ) and when he said to stop calling him, they still called the school district office. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed  XXXX  and we needed to settle for  XXXX . We are in the process of getting legal representation to fight back.
Product: Mortgage

My mortgage company claims that I did not make my XX/XX/2019 payment of {$980.00}. The money was drafted from my credit union account on XX/XX/2019. I have repeatedly called Caliber, the mortgage company, as well as written a letter and emailed them. Nobody will take the time to listen or investigate. This has caused many sleepless nights and much follow- up time on my part. My home is very important to me, as is my credit rating. Their error is costing me both, and they answer my queries in a very superficial way, in effect labeling me confused or worse yet, dishonest. 
I have included a copy of my payment history record for the month of XXXX, 2019. This was provided by the mortgage company. In XXXX there are nine transactions for {$980.00}, the amount of my mortgage payment. 
The first transaction was on XXXX first. Because I was a little short for the payment I requested that they apply their promise program to give me a weeks grace period and they agreed. I handled this over the phone and the representative said he had rescheduled my payment for XX/XX/XXXX. 
The representative apparently rescheduled the payment but did not cancel the original withdrawal. They tried to withdraw the {$980.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both payments bounced. They processed a payment reversal on XX/XX/XXXX and again on XX/XX/XXXX. These four transactions offset. 
There were two transactions for the same {$980.00} amount to unapplied funds. One was positive one negative so they too, offset. 
On XX/XX/2019 there is a {$980.00} transaction recorded as a cash receipt. THIS IS THE PAYMENT DRAFTED FROM MY CREDIT UNION!!!! THIS IS MY XXXX MORTGAGE PAYMENT!!! However they did not record it as interest and principle, which is how they record all monthly mortgage payments. 
On XX/XX/XXXX, this amount was subtracted and listed as a {$980.00} escrow refund. In effect they increased the amount in my escrow account by the amount of my XXXX payment. I just received a letter from them saying my monthly escrow payment would be decreased due to the high balance in my escrow account. 
The end result is they took the cash they received for my XXXX mortgage payment and applied it to my escrow account. They then claim that I never made a XXXX mortgage payment, and are assessing me late fees for not making a payment. I have to be the only person in the world that forgoes paying my mortgage to make a deposit equal to my mortgage payment into my escrow account. 

I am including a copy of this payment history details provided by the mortgage company, and my credit union statement showing the payment left my account. 

I can provide my payment history from Caliber Home Loans as proof that they have messed up as well as my XXXX bank statement to reiterate that the money was taken from my account.
Product: Credit reporting

I received a credit change alert on my credit file. I called Transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX. I never did business with this company nor have they contacted me nor sent any correspondence indicating that I owe any balances. This is FRAUD and XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus to correct the balances reported into my credit reports to two credit cards. I have also contact XXXX XXXX  regarding the incorrect balances reported in my credit report. XXXX XXXX  account representative has advised me that I have a {$0.00} balance in both accounts, and they have sent the information to the 3 credit bureaus and that I need to contact them if they haven't updated the information from the end. XXXX XXXX  as advise me that has sent the updated information in couple of occasion. I called the 3 credit bureaus and they had completed the investigation and they come up with the balances are correct. I requested for what type of verification they used to proof the balance is corrected and they can provide me with that information. This account has {$0.00} balance back since 2021. The credit bureaus and XXXX XXXX  has me back and forth and no resolution has been made to my credit report. Please help me to resolve this situation. This should be an easy fix. I do not want to go to a legal process when XXXX XXXX  states that I have a {$0.00} balance in the following accounts : XXXX  XXXX  balance on 3 credit Reports {$1000.00} XXXX XXXX balance on 3 credit reports {$1100.00}
Product: Credit card or prepaid card

Capital One called in XXXX, and called in XXXX XXXX let them know that I was NOT the one that applied for this card
Product: Debt collection

XXXX XXXX gave an estimate for a medical procedure ( XXXX ) .My insurance would pay for a certain amount, & I would be responsible for approximately $ 600- {$700.00}. My doctor said that if the insurance would have paid more, then he would recommend the XXXX, so the doctor & myself decided not to get the medical procedure ( XXXX ). That is when XXXX XXXX offered to lower their price so they could get the business. XXXX XXXX offered to do the procedure for the amount the insurance would pay. They performed the XXXX and I did not receive a bill from XXXX XXXX. XXXX XXXX sold to XXXX XXXX & then 16-17 months after the XXXX was performed I received a bill from Mosaic for the XXXX that XXXX XXXX had performed.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report. After reviewing my report, I discovered errors that need correction. 
These discrepancies have been addressed with the respective companies, and I am requesting that my credit report be investigated and corrected to reflect accurate information. 

Kindly inform me of the results of your investigation and provide an updated copy of my credit report. 
Disputed Items : XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX.
Product: Checking or savings account

I have been a member of Navy Federal Credit Union since XX/XX/year>. Initially, I was approached with an offer for a credit card with a limit of {$15000.00}, which I declined. However, I later noticed inconsistencies in my account balance. There were instances where funds appeared available, only for them to vanish the next day due to delayed drafts from bills. As a result, I would inadvertently spend funds that were not truly available, leading to unexpected fees. And eventually get a c.c. to help mitigate the problem just for the same thing to happen with the card. Additionally, there were occasions when my available balance would show a credit after fees had been deducted, causing confusion about my account status. This pattern has forced me to either wait four days after receiving my paycheck to ensure I have actual funds or to allow withdrawals that negatively impact my finances. I kindly request an investigation into my account to clarify these issues and to ensure accurate account management moving forward. 
Thank you for your attention to this matter.
Product: Mortgage

o in XXXX I purchased my home off my father. We did a XXXX $ transfer I paid off his home mortgage with the money I earned form the sale off my other home. We did a title search. There was a mortgage and a line of credit. At the time the line of credit ad a {$0.00} amount owed and from our understanding was to be closed. This is where things went wrong. The line of credit was never closed and my father without my knowledge started using it in XXXX. He says he was under the impression that it was just a loan. With that being said I dont understand how a title company leaves it up to someone who borrows money to close their account with no proof that the account was closed. Fast forward to XXXX he gets really XXXX  in XX/XX/XXXX and goes into a XXXX home and stops making the payments. He has been in and out of the XXXX  since and is basically losing his mind and XXXX So In XXXX XXXX I received a foreclosure notice because he stopped making payments and his balance is around XXXX. My father has since passed away leaving me with debt. The bank takes no responsibility for this and just wants their money. I am struggling to make the payments and don't really feel like i should have to.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Nearly ten years ago, the Public Service Loan Forgiveness plan started. As a professor at a public college since XXXX, with crushing student loan debt, I was thrilled to hear about the program. My student loans were nearly triple the value of my gross annual salary at the time, so I was interested to hear more about it. Each time I inquired about it, particularly to find out what my monthly payments would be, I was told that there were no estimated costs and that I just needed to switch to the Income Based Repayment ( IBR ) plan to find out. With a low salary and many debts, I was afraid to switch from my 30-year monthly payment plan to some unknown dollar amount. So I waited three years before I bit the bullet, still with no estimate of what the payments would be. Fortunately, my monthly payments were reduced by nearly {$100.00} a month on the IBR plan. Unfortunately, I had lost 3 years of loan forgiveness, even though I was paying more per month on my loans in a qualifying public service position. At that time, the XXXX agent told me that I could not retroactively change to the IBR plan in order to recoup those 3 years. There were also no application forms for the PLSF program, and I was informed that I need only submit the employment verification sometime in the next 10 years to ensure that I was added into the program. 
Fast forward to today - I still owe nearly 130 % of my gross annual salary in the same public service position, the PLSF program applications are available online, and I finally submitted my application to see where I stood in terms of the number of payments left before my loans would be forgiven. I am furious at the response letter I just received in the mail from XXXX, stating that I am not eligible for PLSC due to " No Eligible Loan Type ( s ). '' My loans were originally issued via the XXXX Federal Direct Loan Program, some subsidized, some not. Those loans are indeed part of the forgiveness plan. It is my best guess that the method of consolidation I chose back when I switched to a 30-year repayment plan through XXXX disqualified me from the program, but I am uncertain. I 'm really not sure how to fix the problem. It is difficult to navigate between the XXXX that reviews the PSLF applications and two different loan servicers that have changed through time, first XXXX and now Navient. I feel that I have been duped, and I would like to correct the situation at least back to XXXX, if not all the way back to the beginning of the PLSC program in XXXX. I am happy to provide any employment and income verification needed in order to rectify this issue. Please help.
Product: Credit card or prepaid card

I applied for the card while living in the XXXX. That was about XXXX, XXXX. I was returning to the USA in about XX/XX/2022. Capital One approved a XXXX card with a {$2000.00} limit and sent it to my XXXX Ca. address. I got possession of it on XX/XX/XXXX when I arrived back in the USA. I had only put one charge on the card for {$89.00}. 
On or about XXXX, I went on line to sign up for " XXXX '' banking. From XXXX to about XX/XX/XXXX, my online banking page kept going XXXX. I would have to call the bank, they would send a special XXXX digit secret password via my cell phone and I could then use the secret number to get on line and change my password, get a new password. But, by the next day, the new password would not work ... and we would have to go thru the same old secret number game again to get on line. During that time, they must have given me about XXXX secret numbers ... and each one failed the following day. 
Between XX/XX/XXXX and XX/XX/XXXX, I paid visa XXXX XXXX the sum of {$2600.00} in XXXX separate payments. I did not know exactly how much I owed because Capital One did not send me a Statement of Account because I had signed up for ON LINE Banking... but my on line banking page never worked. So I kept sending in payments to stay ahead of my purchases. Then about XXXX, the bank told me that FRAUD-FRAUD- FRAUD had occurred on my account and they could no longer communicate with me by phone. I would have to write to them and enclose a copy, front and back of my state I.D.Card. I told them that I had just returned from an 8 year stay in the XXXX and I had no State I.D . Card. I offered a copy of my current USA Passport They rejected the passport and said they will not communicate with me until I get a Valid State I.D.Card. Then yesterday ( XXXX ) I got an email from them saying I owed them {$1300.00}, payable on or before XXXX. BUT, they will not provide me with any statements so I can verify if the charges were mine or were fraud. They told me my card was " FROZEN '' and I wan not authorized to take any action regard the card. SO, I am not going to pay the! XXXX UNTIL I GET A COMPLETE VERIFIED STATEMENT FOR XXXX AND XXXX. I want then to verify any and all charges made to that account ... .then I will pay for MY CHARGES. They refuse to discuss the account with me. I want to file this complaint so that both I and the Bank will have a record of the payments I have made and the charges placed on my account, whether by FRAUD or by me.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding a dispute with TransUnion concerning their failure to provide me with the requested Method of Verification ( MOV ) for a disputed item on my credit report. This dispute pertains to an item associated with XXXX XXXX XXXX, account numbers : # XXXX # XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to obtain the Method of Verification for disputed information on my credit report. This section states : " If a consumer requests under paragraph ( 1 ) [ the right to dispute inaccurate information ], a description referred to in clause ( i ) [ Method of Verification ] concerning the procedure for verification under this subsection, the agency shall provide to the consumer a description of the procedure. '' I exercised this right by submitting a letter to TransUnion requesting the Method of Verification for the disputed item. Despite having provided proof of delivery via certified mail with a return receipt requested, I have not received any response from TransUnion regarding the requested information. This lack of response is in direct violation of the FCRA and has caused significant frustration and concern on my part. 

Additionally, I attempted to contact TransUnion via phone on XX/XX/XXXX to discuss this matter further. However, I was put on hold for nearly an hour, and despite waiting patiently, no representative ever returned to the line to assist me. This lack of responsiveness adds to the already troubling situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of of disputes, particularly in light of the recent 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 were not feasible. 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 in unacceptable and raises serious concerns about consumer safety.