23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TD Bank failed to notify me of the change in payment, failed to apply my automatic payment properly to my monthly charge, failed to adjust the payment amount despite the money being in the linked account. I moved all of my banking relationship over to TD Bank and configured my automatic payment drafting to ensure that this would never occur. My payments were not applied, and I had to call in and speak to someone who was able to reverse the fee, properly apply the payment, and get my account into the good standing that it should have been from the beginning of the issue. 

I paid {$6700.00} on XX/XX/XXXX, and again on XX/XX/XXXX via my automatic draft that was set up to pay my mortgage amount. I was never notified of the change, or of the fact that the amount was not correct. The second payment of {$6700.00} would have resolved the initial short amount, by which time I received a notification from my credit monitoring that a late payment was received. At this point, I immediately called TD bank, who saw the issue, reversed the fee, and adjusted my payments properly. The individual that I spoke with told me to just fill out a dispute form and the credit mark would be removed from my credit report, however I just received the result back and the dispute was declined. I want this dispute overturned, and the mark removed from my credit report.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates Address : Account XXXX XXXX XXXX XXXX XXXX ss # XXXX Dear XXXX XXXX  XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. 

XX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # XXXX
Product: Checking or savings account

Chexsystems wrongfully misreported one of my accounts. Their system stated that I had closed an account ending XXXX, owing {$460.00} to XXXX on XXXX of 2017. When I check with the bank they said that I did not owe anything and that they would write me a letter stating so. I am still a customer of XXXX, and I was surprised that this would even happen, especially since I have been with this bank for over 15 years and that this so called debt which is inaccurate happened in 2017. That year I lost my bank card associated with XXXX, so we closed the account to prevent misuse ; When I called the Chexsystems a robot gave me an webpage to go to. This company provided no live person to speak with about this serious error on their part. I submitted my complaint via web, but got no confirmation number or anything to prove that I demanded that they fix the error on their reporting. 

The government should require that Such financial behemoths provide a live person to deal with such matters that so pervasively affect the lives of so many. 

When you tried to reach them, it is like trying to communicate with a mountain. You dont know if it even hear syou. Yet it can ignore you and drastically affect you negatively. 

I want Chexsystems to get back to me promptly and fix this wrong information on my record. 

Until they fix it I cant open another account. Why did this take so long for me to find out about this? I dont know. 

Who put this horrible company in charge anyway? The consumer alone can not fight this corporate dictate. 

Please help.
Product: Student loan

My name is attached to a loan I never signed for or agreed to. The promissory note does not have my signature on it and after dealing with the company for over 11 years now I have reached a stall. They refused the fraud packet I filled out in 2006, They continue to contact me but have blocked me from contacting them. I have reached out to XXXX XXXX of PA and XXXX  XXXX of NE with no change. I have contacted the three reporting agencies of credit and they refuse to look into it. I have contacted a private attorney and they want XXXX to start with. The loan I am attached to is under 10000.00. I have contacted the state attorney General for NE and PA with no response. The American Education Services has lied to me at every turn and they know they have my credit hostage. They are a part of the government and have no Bussiness dealing with private student loans but they paid off who ever to get the contract. They continue to scam and no one will question what they are doing. I just want my name removed from the loan and my credit restored.
Product: Money transfer, virtual currency, or money service

Zelle send money a couple of times to a wrong person Zelle would not refund it back now when you send money by Zelle it say is this the correct t person before you send it before you didnt get that message
Product: Mortgage

I closed on a home XXXX XXXX, 2016, and was entitled to an escrow refund of {$5700.00}. I have called the mortgage company twice now ( PNC Mortgage ) and have been told twice that the check is " in the mail '' but there is no way to track mailing - when the check was actually mailed ( " should have been XXXX XXXX '' ) - or where it might be because they do not have a way to track delivery. This is ridiculous. Surely there are faster and more sophisticated ways to process refunds, but I suspect PNC Mortgage will not do this because they have the benefit of holding on to my money for as long as possible and are not held accountable. It is completely unacceptable to tell me they do n't know for certain if the check has been mailed or where it is right now.
Product: Checking or savings account

I recently called chase submitted two claims they stated since I went to the bank and have online banking and reported this late and have logged on to online banking and was not able to contact them when Ive contacted them twice about the same issue and no one submitted my claim the first time. They denied my claim and now they have reopened for another review but the representative stated its rare for me to receive the approval it depends on investigation.
Product: Credit reporting or other personal consumer reports

Good day, this complaint is not sent in error please take this seriously. There seems to be items that was mixed on my credit report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Product: Debt collection

I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.
Product: Debt collection

XXXX refuse to correct and properly investigate dispute and update account as disputed affirm inc XXXX XXXX XXXXXXXX account is disputed and should be documented on account this is a violation fcra section 1692 E 8 not reporting as disputed by consumer
Product: Debt collection

I have disputed debt withXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PENN CREDIT CORPORATION Original creditor : XXXX XXXX XXXX XXXX  for {$820.00} on two previous occassin XX/XX/XXXX and XX/XX/XXXX. Both attempted they have informed me that they were able to verify that the debt was acutally mind. I was a victim of idenity theft. I have asked them on two occassins to send documentation proving the debt on my credit report is mine. I still have no recieved any documentation as of today.
Product: Credit card or prepaid card

I have been current on my Capital One account for over 2 years and have never missed a payment. I was very happy with this card. I ran in to some issue making a payment online and it caused me to miss a payment of {$35.00} in XX/XX/2018.

I have had a similar serious error where my account was closed due to another tech issue that 2 payments were declined from my bank account. Capital one simply close my 2 credit cards even though This payment was way before any due date and was for over 60 % of the balance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion Consumer Solutions concerning an inaccurate late payment entry on my credit report that remains unresolved despite my efforts to correct the issue. 

Account Information : - Creditor 's Name : XXXX  XXXX - Account Number : XXXX - Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion regarding a reported late payment. 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 ) ), explaining that the late payment entry is inaccurate for the following reasons : 1. I have autopay set up for this account, and my payment was processed on time. 
2. There may have been a clerical error by the credit bureau. 

Despite providing this information and following the dispute process as outlined in the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and overall 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 comply with the Fair Credit Reporting Act and the Truth in Lending Act. If the inaccuracies can not be verified, I request that my credit report be updated accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Address XXXX XXXX ct XXXXIs not nor ever been my place of residence or any affiliation to my life. 

Please remove from my credit report.
Product: Vehicle loan or lease

This company has been practicing deceptive and unfair acts in their day to day activities. They are knowingly and willingly giving us consumers false and inaccurate information from in almost every aspect of the credit transaction pursuant to 15 usc 1611. 
Deceptive practices pursuant to 16 CFR 911. 
They had me claim a citizenships I was not apart of, took my social and used it for banking purposes on which was not disclosed, Privacy Act Violations Trading with the Enemy Act violation, Emergency Banking Violation, Fair Credit Reporting Act, Federal Code Regulations. and many more. listed here in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 XXXX Received Electronically a payment in the amount of XXXX, as of XXXXXXXX2021 XXXX reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX2021 the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to XXXX without response.
Product: Debt collection

IQ data only communicates through calls. When they first called me I told them I'm disputing the charge and to give me the information to dispute. ( Their website also says to send dispute to that email ). They gave me an email and I disputed XXXX and they NEVER mailed or responded with what i requested which was what was it exactly that i am being charged for. They then put it on my credit report on XXXX even though I disputed the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has account XXXX # XXXX on my credit report with multiple violations of the Fair credit reporting act. I have sent several certified letters and this account has not been removed for the inaccuracies. 1 ) There is activity listed after Charged off date 2 ) The highest balance listed is 0 which is lower than the original balance of {$24000.00} and balance owed of {$11000.00} and the charged-off balance of {$11000.00}. 3 ) it is also showing status updated XX/XX/XXXX when I have done several disputes after XX/XX/XXXX so how could an investigation have been verified. 4 ) Also has on record until XX/XX/XXXX. 5 ) Has 180 day late payment history without prior XXXX or 120 day late payment history and 6 ) no notice of dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem with XXXX, XXXX, and TransUnion. I found a mistake on my credit report and I submitted a disputes on XX/XX/2023 and XX/XX/2023. However, XXXX, XXXX, and TransUnion hasn't fixed the issue within the 30-day period which is a requirement by the Fair Credit Reporting Act ( FCRA ). 

Also, XXXX, XXXX, and TransUnion hasn't followed another rule under the FCRA. They kept using the information I disputed without showing it as 'disputed by the consumer ', which the law says they must do. 

On top of all that, XXXX, XXXX, and TransUnion hasn't done its job of making sure the info on my credit report is as accurate as possible, something they're supposed to do according to the law ( 15 U.S. Code 1681e ( b ) ). This means the wrong info is still there, which is hurting my credit score and my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX I have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : 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 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausXXXX Experian, and XXXX. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Despite my efforts to correct these errors directly with the credit bureaus, they persist in reporting incorrect variations of my name, addresses where I have never resided, and outdated or inaccurate employment details. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and up-to-date information. The continual failure to rectify these errors suggests a lack of proper investigation and due diligence on the part of the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have been with discover for over a year I have never missed a payment I have always paid my balance in full. I found out they closed my account when I got alert from XXXX. I never recieved a warning or a specific reason. I called and tried to get a reason behind the decision to close it they told me they couldnt provide the information and encourage me to apply for another discover card
Product: Debt collection

This is the second time this has happened to me with this company. I fell for the scam the first time. I was mailed a bill from Computer Credit , Inc. on behalf of a medical bill with XXXX XXXX. I paid the debt of {$84.00} and the check cleared my bank on XX/XX/2016. Computer Credit then sent me a repeat of that same bill on XX/XX/2016. This was sent 4 days after the check cleared. Not received but cleared. This company has done this before and I fell for the scam and was never reimbursed. This is no accident on their part. They will repeatedly re-bill as long as the victim keeps paying. A nice side effect is they ding your credit score while doing this.
Product: Student loan

This summer, I was forced to move my XXXX  loans from XXXX XXXX ( I never had a problem with them, ever ) to Mohela. I have yet to be able to talk with a customer service person although I have been calling at least once per week since XXXX. I have created an online account, but other than telling me my balance and showing the paperwork ( XXXX employment verification forms ) is being processed, it doesn't tell you any more than that. With the XXXX XXXX deadline approaching, I want to make sure that all of my payments will count. I have made XXXX payments ( the latest count from XXXX  XXXX ) and by the time XX/XX/2023 rolls around, I should only have XXXX payments left. 
I have sat on hold for hours only to have an automated recording telling me " There is an error in completing your request '' when trying to be transferred to the Mohela XXXX department. I even tried just getting to customer service with the same result. I also need to know what my new payment will be beginning in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Delete or remove XXXX XXXX XXXX XXXX XXXXXXXX, off my consumer report. 

I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THIS ITEM ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested XXXX and XXXX to properly conduct an investigation on a Sequoia Financial SVCS account reporting on my credit. XXXX and XXXX are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form. 

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, XXXX and XXXX are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to XXXX XXXX XXXX XXXX, XXXX and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

Sequoia Financial SVCS has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy XXXX XXXXXXXX {$6000.00} XXXX XXXX {$5900.00}