23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the second complaint I have filed, the first was closed due to Chase properly recording payments for all of 1 month. They keep accepting payments but do not credit them to my account and it looks like I am behind on my mortgage. They stopped recording payments on XX/XX/10 with the exception of 1 payment made on XXXX. I am attaching the bank records with the payments made and the bank statements that as you will see don't capture the payments being made 2 times a month. 

Just for clarification, the payment of {$1300.00} that you will see credited on XX/XX/10 was made through a different bank account and is not on the list from XXXX XXXX so no payments since XXXX have been credited. I don't understand why they can't straighten this out!
Product: Money transfer, virtual currency, or money service

In light of the CFPB lawsuit against Zelle, I have some concerns I wish to express regarding Zelles inability to handle disputes adequately. Although ive used Zelle on numerous occasions, Zelle as well as my financial platform have not investigated nor recovered my claims and funds despite my many times Ive reported it. Zelle told me that recovering my lost funds or tracking my lost funds would not be possible which is unacceptable. In recent events of CFPBs findings indicate that Zelle has neglected their customers and has allowed repeated offenders to exploit them leaving consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises true concern and risk for users safety.
Product: Debt collection

I was contacted by Ability Recovery Service after this debt was recorded on my credit report in XX/XX/XXXX. I spoke with a representative inXX/XX/XXXX to inform them that I did not owe XXXX University anything. I ask for a debt validation and they sent me a statement from XXXX University that showed that I had a balance on my account. I asked for documentation that provided a detailed breakdown of what the amount was for and nothing new was sent. I reached out to XXXX University and they said that it was a student loan refund check sent to me but because I did n't finish the quarter I owed them that money back. I have never been informed before this year that I owed a balance. I withdrew from school because of a XXXX and as a result in XX/XX/XXXX all of my student loans were forgiven by the government. They say that I owe {$1800.00} because the money that I received in the amount of a refund is owed to them because I withdrew from school but that money was included in my forgiven loans. They never sent any student loan documentation in support of their claim
Product: Mortgage

I started a HELOC with PNC Bank more than 3 months ago. I uploaded my initial documents on XX/XX/2021. 

After uploading 47 documents asking for everything under the sun the company has my loan processing at stage 3 out of 6. I have excellent credit history and income yet they have failed to move the process forward.

The person at the bank for the last month has been falsely telling me that they will get back to me as soon as possible with a decision but never happened. They keep asking me to keep waiting and waiting. 

This is very disrespectful and feel like I have been tagged along for a ride. 

I filed a complaint with their department and never heard back from them. I am very disappointed and upset they made me waste over 3 months to make a determination on my loan application. 

I feel very mistreated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  - XXXX This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Debt collection

After reviewing all of my student loans online I realized that I never opened a private student loan with Sallie Mae. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through Sallie Mae. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with Sallie Mae I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously denied me access to my free annual credit report for several years after I submitted my social security number and answered correctly any questions to confirm my identification most recently on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 my 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


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


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


Update the late payments from my consumer reports
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities civilly liable for negligent non-compliance. After reviewing my consumer report and related correspondences, I have identified violations that have caused financial and reputational harm.

The violations this company has set upon me are failure to follow reasonable procedures. This company has failed to maintain accurate and fair consumer reporting, such as incorrect information on my credit report. This company has failed to verify data before reporting. This company has failed to conduct a reasonable investigation. This company has failed to correct and delete my inaccurate information. As a direct result of these violations, I have suffered damages, including but not limited to : Denial of credit, loans, or employment opportunities Emotional distress and reputational harm Financial losses due to increased interest rates or other consequences Under 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles an affected consumer to recover actual damages, court costs, and attorneys fees. I request that your company take the following corrective actions immediately : 1. Correct or Delete the Inaccurate Information from my consumer report ( s ).

2. Provide Written Confirmation that the necessary corrections have been made.

3. Compensate Me for Damages suffered as a result of your non-compliance, in accordance with the FCRA. 


Sincerely, XXXX XXXX
Product: Mortgage

Our loan was approved on forbearance. We have documentation stating this forbearance does not expire until XX/XX/XXXX. In XX/XX/XXXX Rocket Mtg had us do a check in which then asked if we would like to defer payment. I filled the online form out and submitted. Next thing you know, our mortgage is deemed all caught up and they want a payment XX/XX/XXXX. In the meantime, we had multiple communications with Rocket Mtg that we applied to WV Homeowner Rescue and were conditionally approved. 

My question and complaint is if we were approved on forbearance until XX/XX/XXXX, then why put this form for deferral online to be filled out. I feel this was tricky due to thinking about putting off payments and deeming deferral and forbearance together. Right now we are waiting until the end of XX/XX/XXXX and requesting a verification of amount due from Rocket Mtg so Homeowner Rescue can pay. Rocket Mtg. States they can not reverse the deferral and we need to wait and not pay the XX/XX/XXXX payment so the money gets pulled out of deferral. We definitely do not want to go into foreclosure as we have everything in line to pay the past due amount through XX/XX/XXXX. We believe Rocket Mtg had no business even asking us about deferral since we were still on forbearance program. 

Please advise.
Product: Debt collection

Midland Credit Management purchased a debt from XXXX XXXX XXXX  and I had no involvement with the transaction. I have reached out to the multiple times via USPS, and have a certified mail number XXXX asking MCM for information that shows I in fact owe this alleged debt ... .they have not produced this. 

According to 15 USC 3002 I am the natural person which means my name in all caps is not me. My name is XXXX XXXX. 

In 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection Bureau, XXXX, XXXX and XXXX are assuming to be credit Bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. 

Also, on XX/XX/, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts.

This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Furthermore, I never agreed for my information to be shared with anyone at any time nor did I receive any disclosures and according to 15 USC 1681 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
Product: Prepaid card

They keep sending the same thing on how to link the card or withdraw and it still doesn't work
Product: Credit reporting or other personal consumer reports

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item removed from my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX  Balance : {$44000.00}
Product: Vehicle loan or lease

Credit is my right, Ally Bank has discriminated against me with an adverse action in the form of a denial under 12 CFR 1002.7,15 usc 1681a, this being adverse to my interests as a consumer. Congress definition under 15 usc 1691 explanation of activities constituting discrimination says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION, this law is clear! Ally bank has committed a crime and continues to be noncompliant and willfully negligent on resolving this matter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax The following inquiries were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; Equifax and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and Equifax is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. JPMCB - CARD SERVICE XXXX. I have never been late on these accounts so please remove the late dates on these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX sent me an email of an Adverse Notice of Credit Limit Reduction from {$19000.00} to {$1000.00} stating as the reasons that Experian had reported the following : ( 1 )  High utilization of revolving credit accounts ( 2 ) One or more accounts with balances that exceed my credit limit ( 3 ) Credit report indicates a serious delinquency on one or more accounts and ( 4 )  Recent decrease in my FICO score. 

I attempted to get my Experian Credit Report first through XXXX on XX/XX/XXXX. I then tried Experian directly on XX/XX/XXXX, XXXX, XXXX and XXXX, each time after identifying myself and answering their security questions was denied online access to my report. 

On XXXX, after an hour 's wait I finally was able to talk to XXXX and XXXX of Experian @ ( XXXX ) XXXX who explained to me that because I was not in the U.S. I couldn't gain access to my report online. I asked if I could request a " hard-copy '' sent to my mail-forwarding address and just got a " maybe ''. I just mailed my request for that on XXXX. 

With 9 million Americans living abroad, I find it incredulous that we have NO RIGHTS to be able to face our accuser, Experian, and have an opportunity to question the accuracy of information that has been reported. Otherwise we are at the mercy of Experian with no way to correct or challenge what is in our credit files and BAD credit information will follow us no matter where we are in the world even if we become a victim of identity theft. 

Without access to credit report, in whatever form, I can not defend myself from XXXX XXXX ' XXXX action, or anyone else who may take adverse action. 

I understand that Experian has to be vigilant in protecting the process of access, but after 8 security questions you would expect that you've properly identified yourself and should be granted access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with transunion. this info has been hindering my file. please review an remove the data listed to clear my file. none of the information listed is 100 % accurate on all 3 credit file. please delete an remove asap.
Product: Credit reporting or other personal consumer reports

There is a charge on my credit report in the balance of {$3500.00} from Opportunity Financial. This charge was not authorized by me.
Product: Credit reporting or other personal consumer reports

VIOLATION OF THE FCRA .. ( XXXX XXXX & ( CHASE BANK XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY EXPERIAN CONSUMER CREDIT FILE.... TITLED... ( JPMCB CARD Dated : XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... XXXX AND CHASE FAILED TO CORRECT INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Product: Prepaid card

On XX/XX/year>, I took my teenage son to purchase a gift card with his XXXX money for XXXX. We purchased a XXXX XXXX XXXX XXXX. He immediately activated the card and attempted to make an online shopping purchase roughly XXXX hour later. His purchase was declined. We tried again and still no luck. We went back to the website to check his transactions history and balance again only to find the card would no longer come up. I called the customer service number on the card and spoke to XXXX who stated that the card was compromised. When I asked how, he stated that it was because a transaction had been declined but would not provide any more details regarding why the card would no longer work after having it for less than XXXX hour. He stated they would send a new card in XXXX days to which I stated was unacceptable. He then offered to expedite it within XXXX - 5 days. I asked for a refund for the card amount and was told I could not have a refund. I would have to wait to get the new card and then try to request XXXX. I asked for a tracking number or confirmation number to ensure the new XXXX card would be delivered and I was told he does not have any of that information to provide to me. I am basically left with my hands tied with no confirmation regarding if a new card will be sent out and currently unable to receive a refund and my son without access to his funds.