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

My previous mortgage was given to Selene Finance from XXXX XXXX. In as of XX/XX/XXXX Selene Finance put on my credit report that I had late payments in XX/XX/XXXX and XX/XX/XXXX. As you can see below from Selene 's  own information payment was cleared for XXXX on XX/XX/XXXX and the entire balance was paid on XX/XX/XXXX. Both are well within the time frame before it would be considered late. I have never been late with my mortgage payment and have not been late on any payment at all since XXXX. I have fought with Selene Finance to correct their mistake which they continue to deny and refuse to update with the correct information. This is now impacting my family and I being able to get another mortgage to buy our family home. I pray that you are able to assist me in anyway in getting this corrected. 
SELENE FINANCE PAYMENT HISTORY Date Amount Description XX/XX/XXXX - {$220.00} Escrow Disbursement XX/XX/XXXX {$20.00} Payment of Fee XX/XX/XXXX {$180000.00} Payoff XX/XX/XXXX {$20.00} Assessed Fee XX/XX/XXXX - {$1600.00} Insurance Disbursement XX/XX/XXXX {$1200.00} Payment XXXX ALERT FOR SELENE FINANCE XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Normally a consumer is elated after buying a new car. However, those feelings quickly disappear when you learn that XXXX XXXX of XXXX, VA has engaged in deceptive practices, dishonest treatment of a consumer and simply refused to equitably correct the situation. DO NOT BUY A CAR FROM XXXX XXXX OF XXXX! This dishonest issue are as follows : False and misleading advertising posted internet sales price substantially below the MSRP. However, the sales people disregard the posted internet sales price and negotiate a price well above the advertised price. 
Not honoring the agreed upon trade-in value. Adjustments to terms of contract result in trade-in value received which is 31 & less than the agreed upon trade -in value. 
Exorbitant and egregious financing rates an exemplary customer with a XXXX FICO awarded with a 7.24 % interest rate, market interest rates are the low 4 % range. 
Financing Manager quote let the buyer beware Upon bringing these concerns to Dealership Manager, he attempted to correct the paperwork by raising the sales price of the vehicle. 
Dealership refused my written and verbal request to terminate the contract. 
Car purchased on XX/XX/2019, compliant filed XX/XX/2019, personally visited dealership on XX/XX/2019 to discuss resolution. 
NOT BUY A CAR FROM XXXX XXXX OF XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Consumer Loan

I financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been XXXX  on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Mortgage

My name is  XXXX   XXXX   XXXX   XXXX , and sadly I have had to file numerous FTC Complaints against my Bank  USAA  XXXX   XXXX   XXXX  . I have had more problems with  USAA  in the last  3-4  years than I have had since I joined when I was   XXXX -years  old. I have had to file complaints ranging from not updating accounts accurately to Credit Card issues that I have never, ever had before! Currently  USAA  via a contracted Mortgaging Company-  XXXX   XXXX    is not taking my monthly Mortgage Payment automatically out of my USAA Checking account on the  XXXX  of every month as I signed up for. I was led to believe that the previous  USAA  contracted Mortgage  Servicing Company ,   XXXX    ( sp ),  was not doing a good job an d USA  A had numerous customer complaints and this is why they switched me to   XXXX   XXXX   I have recently learned, via talking to USAA Mortgage Servicing Agents, that USAA has ab out  4  Mortgage Servicing Companies contracted and I believe  XXXX  is still one. I had no issues with  XXXX , as they took my payment out religiously on the  XXXX  of every month regardless of weekend or holiday. I have talked with everyone at USAA there is to speak with and  XXXX   XXXX  and this issue has never been resolved. All I have ever gotten is excuses, and as of this morning at  XXXX   CST   XXXX   XXXX  has still not processed my Mortgage Payment. I once again called USAA this morning and spoke with a  XXXX  in  USAA Mortgage Department and once again told her USAA nee ded to get this fixed- but have very little hope of that as have already complained enough. Any assistance you can render would be appreciated, as not taking out a Mortgage Payment of over   XXXX dollars  a month, when scheduled makes it difficult to manage ones finances properly. Thank you in advance for any assistance you  may  render in this matter!      XXXX   XXXX   XXXX   XXXX   XXXX .
Product: Student loan

I attended XXXX XXXX XXXX in XXXX florida. I graduated XXXX XXXX right before covid. I couldn't get any federal student loans so I had to take a personal student loan. I was sent to sallie mae from the school. After I talked to sallie mae i thought to myself this school couldn't be a scam they are getting federal grants and they have a great job placement ( so I thought ). After finishing school I got into a class action with over XXXX former students where they explained that the school was a scam and or certifications were just pieces of paper and held no value! I looked into it and found out it was true. I HAVE certifications that have XXXX on them that XXXX  never had any idea about or even had rigging classes. I am XXXX XXXX and I have never been scuba diving! That is extremely concerning to me because the school shut down because XXXX students died at the scuba site! I want to know what I can do because the school shut down and I feel like sallie mae is just as liable for giving them my money without ever doing and investigation on the school.
Product: Mortgage

On XX/XX/year> our loan with XXXXXXXX XXXX was paid off. The balance shown on the loan as of XX/XX/year> was {$0.00}. 
On XX/XX/year> XXXX XXXX withdrew {$1700.00} from my account using an XXXX XXXX House ( XXXX ) withdraw. 

I spent several hours on the phone with XXXX different customer service representatives. The representatives were unable to rectify the situation saying that their system could only produce a refund in XXXX to XXXX business days. 

All of the representatives claimed that it is standard practice for the company to hold funds withdrawn from accounts after loans had been paid off for up to XXXX  days. 

The representative accepted that it was the responsibility of XXXX XXXX to cancel the ACH payments once the loan had a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

JPMCB CARD I demand this inquiry be removed immediately its not mine Important dates Inquiry date XXXX XXXX XXXX  Removal date XXXX XXXX  Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint against Equifax in light of their recent conduct regarding investigations of credit reporting errors, as highlighted in your own announcement regarding their {$15.00} XXXX settlement for improper practices. 

As an individual who has had an ongoing issue with my credit report, I am deeply concerned about the integrity and reliability of the credit reporting process. My experience with Equifax has revealed significant flaws in their handling of disputes related to inaccuracies in my credit report. 

I submitted a dispute regarding I expected Equifax to conduct a thorough and fair investigation into my claims, as required by law. However, my experience has demonstrated that their investigation was anything but adequate. 

Details of My Experience : XXXX. Inadequate Investigation : Equifax 's response to my dispute was cursory at best. They failed to perform a meaningful review of the evidence I provided, which included [ describe any documents or evidence you submitted supporting your dispute ]. 

XXXX. Lack of Communication : The process lacked transparency. I did not receive clear explanations regarding the outcomes of my disputes, nor did I have adequate opportunities to follow up or ask questions. 

XXXX. Repeated Errors : Despite my efforts to rectify the inaccuracies, they continued to reappear on my credit report, negatively impacting my credit score and ability to secure loans or favorable interest rates. 

XXXX. Failure to Adhere to the Law : It has become evident that Equifax did not comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Their actions have caused me not only financial harm but also considerable emotional distress. 

Request for Action : I believe it is crucial for the CFPB to take note of the systemic issues regarding Equifax 's investigation process, particularly in light of their settlement for similar practices. I urge the CFPB to further investigate Equifaxs compliance with credit reporting regulations and ensure they implement necessary changes to protect consumers from such lapses in the future. 

As a consumer, I expect fair treatment and accountability from credit reporting agencies. I appreciate your attention to this matter and look forward to your response regarding any actions that can be taken on my behalf or in the interest of consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX Equifax XXXX XXXX - Delivered XX/XX/XXXX, XXXX XXXX  - XXXX - Delivered XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/year> ) My loan was deferred with XXXX my payments were not due until XX/XX/year>. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/year>. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under HEA ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances. 


XXXX. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile. 

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that XXXX remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.
Product: Vehicle loan or lease

XX/XX/XXXX the other person on the loan was in an accident. Found out car is a total loss. We informed Regional Acceptance by mail and phone call. I received an email alert at the beginning of XXXX Regional Acceptance increase the amount we owe. I was in the hospital due to XXXX  XXXX XXXX XXXX, XXXX ' XX/XX/XXXX. I was going to call them but I was still in pain at home recovering. The other person on the loan was informed by a rep at Regional Acceptance in XX/XX/XXXX they will remove the car loan from our credit. Today I received an alert concerning a hard inquiry. I noticed Regional Acceptance pulled my credit for a personal loan we didn't authorize. Also notice between XX/XX/XXXX and XX/XX/XXXX they did remove the loan from my credit and then stated account closed. The car is a total loss and it should be removed from my account as well as XXXX XXXX ( the other person on the loan ).
Product: Mortgage

I refinanced my mortgage and the full balance was paid off on XXXX/XXXX/20. So I would not be late on a payment for XXXX, ( XXXX is considered late ) I made a payment on XXXX/XXXX/20 for XXXX. The loan is completely paid off and I have a new mortgage with another company. I have no existing mortgage balance with Pennymac. Pennymac ( or it's parent company ) reported my fully-paid off loan as delinquent to XXXX  and my credit score subsequently dropped 90 points. I'm filing a complaint because the information submitted by Pennymac is untrue and detrimental to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.
Product: Debt collection

Im sick of disputing this charge with Midland Credit Agency. This was originally a charge with XXXX and i tried to make right before ev3r being sent to collections and they couldnt find an account. Now i called and to try to settle this i asked them to request proper amount and they wouldnt. Theirs all these late charges which i shouldnt be responsible for when i never received any bills and tried to pay amount owed with XXXX and couldnt find account. Now this needs off my credit.
Product: Credit card or prepaid card

I received an email from American Express informing me that my card has been permanently closed for unknown reasons. The email, dated XX/XX/2020 stated that I violated section : 22D ( see email pasted below ). I have not used this card. The only thing that is auto payed through this card is my XXXX account. When I called AMEX the representative simply read my email back to me, but couldn't tell me what section : 22D was or how it was violated. Every single number I dialed for customer service dropped me off to a brainless automated system. I never got a live person to speak with the get some answers. If this is the way AMEX handles their business, I'm better off without them. I feel for the other unsuspecting fools out there that they are abusing. 

Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team Please reply back to my email at XXXX. 

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

Equifax, XXXX, and XXXX  are all reporting I owe XXXX. I do not owe this amount to the car. They are reporting it was in Bankruptcy in XXXX. The car was paid off as agree on XX/XX/XXXX. 

I started a dispute with all three credit bureau in the month of XXXX and XXXX to have the erroneous information removed. All three credit bureaus came back with the information that was correctly reported. 

According to the Fair, Credit reporting agency incorrect or information being reported on my credit report which is not accurate nor do they contact the actual business to verify the information. They completely rely on XXXX XXXX and all of their information is incorrect. 

I have included files to show proof of my efforts and all three credit bureaus refused to remove incorrect information. They have violated the number of days of validation and reinvestigation. All three credit bureaus have failed to comply with the Fair Debt Collection Practices Act. My next move is to file a lawsuit against all three credit bureaus this is my last attempt to show efforts in removing the inaccurate information.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighted significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to Investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ACCOUNTS HAVE NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information on my credit report. The date the account was opened was XX/XX/year> not XX/XX/year>. I believe these inaccuracies are due to the misreported account opening date and other errors in reporting.
Product: Debt collection

I was in a XXXX  partnership with someone at the time of the acquired debt and they received a brand new electronic device in the form of a laptop and I was wondering where she got the money for it. Now Im receiving the debt of the laptop so she went behind my back and stole my personal information too acquire the laptop in the form of an internet loan.
Product: Debt collection

A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help.
Product: Credit reporting or other personal consumer reports

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inaccurate Inquiries : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate Phone Numbers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$57000.00} XXXX  XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$48000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

Different times from XXXXI had to try to contact them about wrong transactions. And had no one to call just send text ... Over {$2500.00} never replaced.
Product: Debt collection

In XXXX 2014 I XXXX and went to XXXX XXXX XXXX where I had been admitted to emergency room. 
They took XXXX, and told me that I had to go and see a doctor who would be able to read them and figure out a treatment plan for me. 
I received XXXX bills:1 - from an emergency room doctor2 - for the emergency room chargesEverything had been taken care of. 
I picked up a CD with XXXX XXXX and visited a physician outside of the hospital. He viewed the XXXX and gave me instructions on what to do next. 
XXXX months later I receive a bill from the XXXX technician of the XXXX XXXX XXXX claiming that he read the XXXX for me. 
I have not even seen him, and I have never seen his readings. If I had, I would not have to see another doctor. 
When I tried to explain it to the hospital`s accounting representative, she won`t listen. 
They had Fresno Credit Bureau collect the debt for them. 
Their reps were calling me every day telling me to pay the debt. Finally, I gave up, as it is very frustrating and stressful to deal with them. 
I went to the website and paid the amount they claimed as my debt - {$83.00}. 
The payment went through, but then got rejected. I contacted them, and they told me that the amount went up, and it is around {$150.00} now. 
I really hope you can help me with this issue, I`m trying to rebuild my credit, and I do not need another debt in my credit history. 
I appreciate your time. 
Regards, XXXX XXXX