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

I DID NOT RECEIVE THE CHAIN OF ASSIGNMENT VA FOR VALIDATION OF DEBT. from XXXX XXXX XXXX XXXXAccount number XXXX balance {$1300.00} as Date openedXX/XX/XXXX, A BILL AND ADDRESS OR NOT PROVE VALIDATION OF DEBT ALSO CHARGE OFF SHOULD NOT BE REPORTING A BALANCE XXXX ( XXXX ),
Product: Bank account or service

i applied for a bank of America rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices
Product: Debt collection

I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the Chase is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX account on or around XXXX with a reference number of Reference Number : XXXX. 

The denial letter I received electronically from XXXX XXXX XXXX Bank advised my XXXX credit file was used to make the denial decision. 

On XXXX I noticed XXXX XXXX XXXX had also inquired on my Experian credit file. The disclosure that Experian was utilized in the denial decision was not disclosed in the denial letter I received. XXXX XXXX XXXX also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of 2022. XXXX XXXX XXXX advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per XXXX.
Product: Student loan

I was forced to switch to MOHELA because I am a high school teacher seeking PSLF. With repayments starting again, I filed as a new client with MOHELA for the new SAVE repayment plan. I had used MOHELA 's repayment calculator providing all information on adjusted gross income and my new wife 's financials. It was estimated I would have monthly payments of {$300.00}. My first bill due this XXXX amounts to {$890.00}. I called and waited on hold for 2.5 hours before a representative filed a new IDR request for SAVE. XXXX, the representative, stated that my estimated repayment on SAVE would be {$300.00}.

Now the request is in process for review. There is no guarantee the SAVE payment will be {$300.00}, so I must pay {$890.00} unless I take a forbearance. Taking a forbearance would then make me miss a count on PSLF.

More so, with a AGI of {$69000.00}, how can my payments total {$890.00} considering they are capped maximum of 10 % discretionary? 

It seems I filed for SAVE like I should, MOHELA says I owe {$890.00}, I re-file for {$300.00} if and only if they accept that as my SAVE monthly payment. This process is abhorrentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am getting gutted for the payment amount. It does not align with anything the new SAVE program details.
Product: Credit reporting or other personal consumer reports

I am disputing this charge due to financial hardship caused by unforeseen circumstances during this period. I contracted an XXXX XXXXXXXX ( XXXX XXXX ) as a result of XXXX, which severely impacted my ability to meet financial obligations from XX/XX/year> to XX/XX/year>. Since then, I have paid and closed the account in full. I kindly request reconsideration or an adjustment to amend my credit score to reflect these extenuating circumstances.
Product: Debt collection

Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you
Product: Checking or savings account

I was approved for a loan on XX/XX/year>. The loan company said they needed to change my banking password. When they changed my password they also got into my account and disputed several of my valid transactions. This was Huntington bank. When the bank issued provisional credits easy finance company then XXXX  those funds to a XXXX  party individual. I was told by the bank to come into the branch to file a dispute which I did. The bank reversed the provisional credits but did not reverse the XXXX payment. They stated the XXXX payment was consistent with my usage. Despite the fact this was a recipient new to me and out of my area code. The recipient is not even in my XXXX  contacts.
Product: Money transfer, virtual currency, or money service

In light of recent CFPB lawsuit concerning significant issues with the platform. I am expressing my concerns regarding Zelle 's handling of dispute. 
I have used zelle plentiful times with the vulnerability of sending and receiving funds. 
With CFPB 's findings indicating of possible scams. Zelle neglected to protect consumers. Which left consumers exposed to scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX   ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also received calls outside of work hours from cell phone numbers violating my rights and threatening to garnish my work checks from employees. According to law XXXX B in the FCRA I didnt give any consent for anything to be reported to my credit report and by law it shouldnt be on my credit report without my consent. My debt cant be sold to any other creditor either its against the law for my personal information to be sold. I feel I was violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX 2017 my Equifax credit report has yet to change in fact it 's gotten worse since I have contacted Equifax over 20 times regarding fraudulent use of my information. Equifax is running a scam to make money from collectors and creditors storing inaccurate information and refusing to correct. Also Equifax has this little game they like to play and it 's called credit Bureau splitting. How is advised by several Equifax employees that credit bureau splitting is when an entire credit bureau actually is viewed by the consumer or the lender 50 % accurate and the other 50 % is nowhere to be found. My credit file happens to be in the office of Consumer Affairs. I was advised that because I have been a victim of a number of security breaches but above all identity theft on three unfortunate occasions that they were the ones in fact I have a specialist work exclusively on my credit to ensure that these items that are fraudulent are removed including inquiries Equifax has yet to remove the items it has been over 3 months. Why do credit bureaus especially Equifax getaway with XXXX? Why are they get to do and dictate lies on Consumers Credit? Whoever is overseeing the Office of Consumer Affairs and their fraud division needs to be fired. My attorney wants to proceed in the courtroom against Equifax because he has close to 35 people that have been affected by the poor dispute process Equifax maintains and now we have their wonderful security breach how convenient when two of their highest and Executives pull out of the Equifax stock market two days prior to the release of information of the breach that goes to show you the Integrity of Equifax.
Product: Mortgage

In a nut shell, Ocwen has failed to apply payments and maintain accurate account balances ( which is what the Feds sued them for ... .its still continues to happen ). They charged an exorbitant amount of unauthorized fees for appraisals. They also refuse to give us a copy of our appraisal. Per ECOA by Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 the lender is REQUIRED to send us a copy of our full appraisal. After more than a half dozen requests and having our attorney write a letter they still refuse to send us a copy of our appraisal. They also applied our first XXXX mortgage payments to our account and then reversed one of them out thus NOT GIVING US CREDIT. Our mortgage payment has gone up {$700.00} a month over the last XXXX years. They claim due to escrow impounds, although we were assured that all of our past taxes would be incorporated into our loan. We were very cleat why we needed the modification and now we find our monthly payment is {$1000.00} more a month than when we needed the modification to begin with. We are n't sure how much longer we can hold on. I 'm sure that was XXXX plan all along. I asked that my attorney be added as Power of Attorney and it took XXXX year for them to add him yet they still will not speak with him. How is any of this legal? Esp. after they were sued by the Feds and lost for these same business practices? We were absorbed from Litton loan when Ocwen took over their loans. We also had no idea that they were being sued as we made our first loan payment to them. Upon the research I 've done recently it appears that XXXX years after they lost they still continue to conduct business in a way that landed them in court to begin with. Now we risk losing our home again since the payment is nearly {$4500.00} a month. We need help from someone that will read this and see that they are still breaking the law and do something about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> PENTAGON FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX VA XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate.

In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation.

I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ).

I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Transunion such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a hcnace to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Transunion and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that XXXX year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( PAANL ).
Product: Credit reporting or other personal consumer reports

During the Covid pandemic, I was in school in XXXX, FL. I was set to graduate XXXX of XXXX. Because I was in an accelerated program, I couldnt have a job ( there werent a lot open anyways because of Covid ), but nonetheless I still received funding from the VA to live. 
XX/XX/XXXX rolled around, I graduated, and was forced to move back with my parents because I couldnt find a job in my career field immediately due to the pandemic. Finding a good job was also hard when I moved back with my parents, as well. This caused me to not have the funding for my credit card payment from XXXX to XXXX. 
By XX/XX/XXXX rolled around, I finally had an alright paying job where I stabilized and back paid everything I owed thus far, and have been in good standing since. 
Today, XX/XX/XXXX, I reached out to the credit department to get more details. They let me know they can not delete the late credit report, which I disagree with because of the financial hardship that was given to me due to the pandemic. 
Im looking to fully pay off this account in the near future now that I have a new well paying job, but its impossible to succeed in life when my credit score is tanked because of one missed payment during the pandemic.
Product: Checking or savings account

Hello, On XX/XX/2018 my card was taken. Some how the person got my pin and took XXXX dollars out of my checking account via ATM. I filed a fraud claim with my bank, Comerica. I was told it would take 10 days to reach a decision. On day 10 I was credited back the XXXX  dollars. Fast forward to XX/XX/XXXX and Comerica debited my account the {$500.00} dollars back stating because someone used the card and atm I was responsible for it. I have stated over and over again this was not my doing and I have never had any issues with fraud. They since have been reluctant to file an appeal on my behalf or re-issue my funds. I'm not sure what to do next but Comerica should surely be ashamed. I use this money to take care of my family.
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback to find inaccurate accounts on my credit report, and Im at a loss for why theyre there. I routinely check my credit report, but this time, there were shocking discrepancies that just appeared out of the blue. I thought it might be a glitch, so I refreshed my browser, but those incorrect accounts were still there. Im really hoping the documents I sent will be carefully examined so I can finally feel secure and not have to worry about this issue again.
Product: Credit reporting

XXXX XXXX is claiming I am 30 days late with a payment. I paid it 5 days late in XX/XX/XXXX. I also paid the XX/XX/XXXX. payment then, too. I thought 30 days late meant I would pay a bill on or after XX/XX/XXXX for a XX/XX/XXXX due date. it is not fair. Also, I feel discriminated against because I am woman with a stay at home husband and children too support. My score would be higher if I was a man with a stay at home wife. I own my home, keep a current mortgage and make a XXXX figure salary as an ICU nurse and I go to school. The credit reporting companies are always for big business and rich people. Not people who work like dogs to provide for their families.
Product: Mortgage

Per my previous complaint - that the CFPB just closed without allowing me to rebut - I received this in response from Freedom Mortgage towards end of response " Currently, there is {$520.00} in unapplied funds from the prior payment which can be used to complete the next payment due ( XX/XX/2018 ). Please remit $ {$3200.00} ( {$3800.00} - {$520.00} ) to satisfy the XXXX payment .Your monthly payments thereafter will be {$3800.00}. Your complaint states that you only intend to pay the prior payment of {$2800.00}. Please note that partial payments can not be posted as regular payments and will not advance the due date. Sincerely, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation '' I can not afford the new payment - so therefore, I will be only paying the amount I am in contract for - I will be pay {$3000.00} a month - that is the best I can do and I will not entertain any further discussion of the matter. I have children and they need FOOD, WATER and ELECTRICITY - is that in ANYWAY UNCLEAR? I have submitted information for possible modification or something - 4 TIMES! Each time - they claim that I did not send them all information - I have every fax and email with ALL information requested. 

I just checked my account online - I posted a payment from my banks bill pay website of {$3000.00} on the XX/XX/2018 - Now they claim I owe them an additional AMOUNT almost to amount of {$4000.00}???? What are you playing at? 
" Next Payment Due on XX/XX/2018 {$3900.00} Last Payment Received on XX/XX/2018 {$3000.00} ''
Product: Debt collection

I honestly have no idea what this collection is or about. I believe it's from when I was involved in a serious car accident was flown out by a helicopter to a hospital .... but im only guessing that's what this is pertaining to. I am now more knowledgeable about my financial life and I came across my credit ... I now see this collection is affecting my credit tremendously ... at the time of the collection opened in XX/XX/2015 I had not even the slightest clue what credit was. That was more than 4 years ago this is how long this collection was affecting me I had no Idea til now. The collection balance is {$730.00} an amount I truly cant afford. In the case of the company trying to contact me I didn't even know what a collector was if somebody called my phone and I didn't know the # that's an easy no answer.