23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached pdf for full complaint. I advise that you take this very seriously. I have already consulted legal counsel for a federal lawsuit against American Express for willful negligence for inaccurate reporting and will be seeking FCRA violations along with punitive damages up to {$450000.00}. I am giving you one last chance to fix or delete the inaccurate reporting. I have also sent a copy certified mail with USPS tracking # XXXX. You must think you are above Federal law, but I am a consumer who demands just and will go to any means to rectify the wrong you have caused. I have documented my case extremely thoroughly that will be brought against you and the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sent a goodwill adjustment request to Kohls/Capital One, asking them to review the derogatory remarks and charge-off status on my credit report. The account, which was closed and charged off, continues to negatively impact my credit profile. 

I requested that Kohls/Capital One reconsider the derogatory reporting as a goodwill gesture due to past financial difficulties, but I have not received any response to my request. This lack of acknowledgment has prevented me from resolving this matter and improving my credit standing.
Product: Credit card or prepaid card

I purchased a inground pool kit for {$4300.00} from under the sun when it got delivered a panel was damage took all necessary steps with pool company they refuse to file a claim the pool company with freight company I can't because I I didn't pay for freight I did but pool company paid fees so I took the 12 panels and divided by total amount of cost for panels and disputed it with discover card since the dispute I was still trying to get panel replaced by pool company and frieght company and pool company refuse to file a claim trying stick me with a pool that can't be built because broken panel and I yet to recieve my liner for the pool so I called discover back tell them that I can't use a broke pool nor can't use without a liner I never got that I wanted to dispute the entire amount and pool company can pick there stuff up no liner broken panel well discover card told me I can't disputed with the dispute open I said ok close it open a new 1 for  the entire amount pool company refusing to file a claim with freight company and I still haven't gotten my liner said they can't not aloud to do it. I ask them is that a government law they wouldn't answer me. I gave pool company the benefit doubt of trying to fix it and there being ignorant threatening and plus never got my liner so I called discovery back to dispute entire amount and told me I'm not around to dispute it again and I'm stuck paying for a pool that arrived damage and can't use
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

My reason for filing a claim is because our mortgage is a 30 year mortgage and I was moved three times to a different mortgage company and I have been in this house for a total of XXXX  years and with this mortgage company XXXX Mr. Cooper XXXX for 14 years and with the prior company XXXX XXXX XXXX XXXX XXXX for approximately six years. My issue is that I am still paying {$540.00} interest on the fixed loan which is 5.2 % on a monthly basis. All that goes to the paying of the loan is {$310.00} and taxes and escrow amount is {$680.00}. I believe that I am being swindled out of money because of the situation that I have just explained to you and also the fact that my payment never goes down, only up on a yearly basis. The loan # XXXX Mailing address for the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX, XXXX, NJ XXXX.
Product: Student loan

XXXX university has shut down and I still have outstanding debt with them. I was told that once the school was shut down I could file to have these loans gone due to the school shutting down I would I do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX requesting the correct Name and Address on my credit file be Updated. and the removal of any other names and addresses to be removed due that they are not deliverable to me by the U.S. post office and they are not reportable to the FCRA, since they are inaccurate. Equifax stated that they cant remove the address or correct my name on my file. this is an issue that I've tried to fix without it coming to me filing a complaint on XXXX XXXX XXXX XXXX, XXXX. I'd received a letter stating Address XXXX XXXX XXXX XXXX XXXX ill XXXX was removed, which I will upload with this complaint, But I'm still seeing this address on my file as of today XX/XX/2018. I spoken to Equifax on todays date and the representative stated its still on my file.
Product: Debt collection

I paid the amount owed directly to the conpnay and the collection agency will not remove it from my credit file and keep calling me. I have also provided them with proof of payment.
Product: Checking or savings account

On XX/XX/year>2023, i tried to send a payment of {$150.00} to someone, only to realize i had the incorrect email address. i called Chase Bank, and was told it would only be returned if the " recipient '' was kind enough to do so. I had no other means to reach out to the " incorrect '' person. 
To Date, my {$150.00} has never been recovered.
Product: Student loan

I am writing to formally dispute the handling of my student loan payments by American Education Services ( AES ). I have been making consistent payments on my student loans for over ten years, including during my service as a XXXX XXXX XXXX XXXX. During this time, I have often paid more than the minimum monthly balance with the intention of reducing the principal amount of my loan. 

However, I recently discovered that AES has been applying all of my additional payments toward " advance interest '' instead of the principal balance. This was never disclosed to me at any point, and I only became aware of it after noticing that, despite my efforts to pay down the loan aggressively, the principal balance had barely decreased. Upon contacting AES, I was informed by a representative that the default process for applying extra payments is to allocate them toward advance interest unless I specifically called to request that they be applied to the principal. 

This practice has cost me thousands of dollars, as I have been under the impression that my extra payments were reducing the principal balance, thereby reducing the overall interest paid over the life of the loan. Had I been informed of this default process, I would have promptly instructed AES to apply all extra payments to the principal balance. 

As a borrower who has diligently worked to pay off this loan, even on a limited income as a volunteer and later as an employee in the non-profit sector, I find it unacceptable that this critical information was not disclosed to me. It is deeply frustrating to realize that, despite my best efforts, the loan balance has not reflected my payments as I intended. 

I am requesting a thorough review of my loan account and an adjustment to the balance to reflect the payments that should have been applied to the principal. I also request that any interest that accrued as a result of this misallocation be corrected. 

Please provide a detailed explanation of your findings and any corrective actions you will take. I expect a prompt resolution to this matter and look forward to your response within 30 days from the date of this letter. 

Thank you for your attention to this serious issue. I hope we can resolve this matter amicably and fairly.
Product: Credit card

Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, XXXX XXXX XXXX
Product: Mortgage

I received an Annual Escrow Account Disclosure Statement in XX/XX/2016 - outlining my mortgage escrow shortfall amount. I could choose to have the shortfall amount of {$710.00} included in my mortgage over the next 12 months or pay the shortfall. The option to pay the shortfall was to pay it in full or a percentage - I paid 50 % of the shortfall which was {$350.00}. Instead of the shortfall amount being applied to the escrow, the amount was applied to my principle. A new mortgage analysis was never completed to reflect the payment of the escrow shortfall - therefore a new mortgage amount was never calculated. Now I am being told that I am behind in my mortgage payment since the payment that is reflected is based on no payment being made to escrow shortfall. 
The payment amount is based on the escrow being divided equally into my mortgage payments over the 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report recently I dated I noticed that an account named Convergent Outsourcing has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from Convergent outsourcing. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
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.

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 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

XXXX XXXX XXXX YOU BROKE THE LAW!!! 
XXXX XXXX XXXX Ct. XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute After recently reviewing my credit report, I noticed several inconsistencies regarding the account XXXX XXXX XXXX  ( XXXX ). The payment history and name section are reporting differently to XXXX, XXXX, and TransUnion. You have violated my consumer rights. 
XXXX is reporting on time payments for XXXX, XXXX, and XXXXXXXX XXXX XXXX, then I voluntarily surrendered XXXX of 2021. XXXX is reporting on time payments for XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX. Its reporting 30 days late for XXXX XXXX, 60 days late XX/XX/2021 and 90 days late XX/XX/2021. In XX/XX/2021 its reporting 120 days late and in XXXX its reports payments 120+ days late. Followed by another on time payment in XX/XX/2021, then another 120+ days late in XX/XX/2021. Transunion is reporting that I have no payment history. 
There are also inconsistencies in the name thats reporting to the different credit bureaus. XXXX and TransUnion are reporting that it is XXXX XXXX is the account name. While XXXX is reporting that the account name is XXXX. Pursuant 15 USC 168b ( a ) ( 2 ) I never gave written consent to you to furnish anything on my consumer profile and you have violated my rights to privacy.

These accounts appear to be furnished by the same creditor, so why is the provided data different thats reporting to the credit bureaus. It is your duty to ensure that all information that is reported is consistent and most importantly accurate and you have failed to do so. Pursuant 15 USC 1611 false and inaccurate information willing and knowing. The CFPB will get a copy is this dispute as well. These inaccuracies have damaged my reputations with banks causing me hardships I wish that these inaccuracies be deleted immediately because banks and financial intuitions are reliant on fair and accurate reporting. Pursuant 18 USC 8 if such alleged does exists it is the obligations of the United States. I hope that you guys respect my consumer rights without prejudice
Product: Debt collection

We rented an apartment at XXXX XXXX ( managed by XXXX XXXX ) for almost 4 years. In XX/XX/XXXX, we put down a security deposit of {$400.00}. In XXXX we downsized apartments and moved two doors down in the same complex, the security deposit wasn't returned. 

We informed XXXX on XX/XX/XXXX that we wouldn't be renewing our lease. When we moved out XX/XX/XXXX, 25 days before the end of our lease of XX/XX/XXXX, the security deposit wasn't returned either. 

On XX/XX/XXXX, I received an email from XXXX XXXX with a bill for {$270.00} dollars that cited " Damage fees-Painting ''. I asked if the lease provided a clause for this and they never answered my question. Instead, they sent me a threatening email saying we'd left the place in a " disgusting '' state with pictures of the scuffed up wall, a dirty sink, and cobwebs. Most likely, the cobwebs were from the 25 days it took to send in cleaners. 

I found this odd. I was under the impression that scuff marks on an apartment wall after almost 3 years of renting were to be expected. So, I did a quick search and found some legal resources that says really only excessive damage can be charged. The pictures provided didn't look to be excessive, just normal wear and tear. I'm happy to provide them if required. Admittedly, I don't know what constitutes " excessive '' damage, so, I could totally be in the wrong here. But my gut is telling me if I polled 100 people more than 90 % wouldn't call the pictures sent by XXXX XXXX " excessive ''. 

So, I sent another email asking about where this was in the lease and asked about the security deposit from XXXX that was never returned. They cited that they couldn't find it, and there was no record of it but showed me a {$100.00} credit that supposedly was my refunded security deposit. 

I consulted with a few folks and they said to just ignore it and not cause a stir. I didn't owe XXXX XXXX a thing. So, I let it be for a few weeks. 

Until my wife and I both got an email from a sketchy debt collector asking for information. 

It looked scammy, so I blocked the sender and reported the email as spam. When my wife told me about getting the same email, I decided it was time to report it. 

Please advise on what I should do as a consumer. I have my original lease that states the security deposit as well as the email chain with the photos they claim was excessive damage. 

I really wasn't going to say anything but the way they handled this situation felt predatory. After receiving an email from a collections company, I knew it was.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and came across a billing error. The late payment shown doesn't match my usual payment history.
Product: Credit card or prepaid card

I opened the credit card and charged items on it. I had been paying it regularly but missed a few payments due to financial hardship caused by hurricane katrina. I was speaking to a banker to let them know what was happening and I submitted a payment of the total amount due ( {$400.00} ) before the deadline they gave me ( 90 days ). However, they charged off my credit card anyway and " lost '' the {$400.00} payment. It was taken out of my bank account but never applied to my credit card balance. I tried to contact them numerous times including visiting branch offices but never could reach anyone who knew anything about my accounts. They did the same thing with a personal loan I had as well. Now I can't get anything resolved because they sold the debt and refuse to speak with me.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Reporting and Request for Immediate Action Dear XXXX and Experian, has been classified as a charged-off debt, which qualifies as canceled income under XXXX XXXX. 

According to federal tax law, when a creditor cancels or forgives a debt of {$600.00} or more, it is considered taxable income to the debtor, and the creditor is required to issue a Form 1099-C to both the debtor and the Internal Revenue Service ( IRS ). This form serves as documentation that the debt has been forgiven, meaning the debtor no longer owes the balance. 

If no Form 1099-C is issued, it indicates that the creditor has not treated the debt as canceled income, and thus, it should not continue to be reported as a delinquent charge-off on my credit report. The continued reporting of this account without the issuance of a 1099-C is not only inaccurate but also unfair. 

I am writing to formally dispute the reporting of a charged-off account from XXXX XXXXXXXX XXXX on my credit reports. This account, associated with account numbers XXXX and XXXX, is being reported inaccurately, violating the XXXX XXXX XXXX ( XXXX ) 6050P and raising significant compliance concerns under federal tax and credit reporting laws. 

Immediate Removal of the Account from My Credit Reports Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or incomplete information in my credit report. The charged-off debt qualifies as canceled income under XXXX XXXX. However, no Form 1099-C was issued to me as required by law. Consequently, the reporting of this account as a delinquent charge-off on my credit reports is inaccurate and must be removed. 

Verification of Reporting Practices I invoke my rights under 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The failure of XXXX XXXXXXXX XXXX to issue a Form 1099-C raises questions about their compliance with federal tax regulations and the fairness of their reporting practices. 

Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate whether XXXX XXXXXXXX XXXX  has adhered to XXXX XXXX and the FCRAs requirements to protect consumers from inaccurate or unfair reporting. 


Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if your investigation determines the information to be inaccurate or unverifiable, it must be promptly deleted or corrected. 

I have attached supporting documents, including copies of my credit reports and correspondence related to this matter, to assist in your investigation. Please provide written confirmation of the results of your investigation and the actions taken within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.
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 highlighting significant issues with the platform. Dispute using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable scams. This lack of accountable and raises serious concerns about consumer safety.
Product: Credit card

The card opened without my knowledge I spoke with US Bank still noot removed phone XXXX. I want to delete immediately.Re Account name US BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00}
Product: Credit reporting or other personal consumer reports

This company is reporting on my credit that I owe them funds when I actually do not acknowledge this account.