23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I entered a consumer credit transaction with RECIEVABLE MANAGEMENT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that RECIEVABLE MANAGEMENT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. RECIEVABLE MANAGEMENT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an {$86.00} charge XXXX forwarded to CSC. I asked them for proof of debt/breakdown of how I owed them any funds on XXXX XXXX, as I cancelled the insurance with XXXX in the allotted 30 days ( XX/XX/XXXX - Cancelled, Policy was taken out on XX/XX/XXXX - effective date XX/XX/XXXX ) and XXXX had already debited by account and later refunded my account for a portion of the insurance. I did not and still has not received a breakdown of the debt/how do I owe XXXX any money. I disputed the charges and asked for a breakdown of the debt on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was told by a CSC representative that XXXX responded on XX/XX/XXXX. CSC reported me to the Credit Bureau on XX/XX/XXXX, without providing me a breakdown or any response from XXXX. Again, they reported me to the Credit Bureau one day after XXXX responded and without ever providing me with any information from from XXXX or any information regarding XXXX 's response. I don't believe they have the right to report me to the credit bureau, if this information is in dispute and still today, I have yet to receive the information from CSC or XXXX which supports the debt. When I try to speak to XXXX they state that the debt was transferred to CSC. When I speak to CSC they tell me XXXX states the debt is legitimate. In the meantime, I have yet to receive the information I have been requesting since XX/XX/XXXX and they proceeded to report the collections to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money lion inc has been reporting delinquent payments months after the late payments. 
I fully paid off the loan on XX/XX/2019 and they are showing the account still past due to this day XX/XX/2019 and reported missed payments on XX/XX/XXXX and XX/XX/XXXX which caused my credit score to decrease significantly. This seems very unfair to me until I paid the account off the late payments were never reported. 
I contacted money lions support team and they stated that the system does this automatically and they have no control over the reporting nor would they attempt to help me. I asked to speak to the supervisor and never connected to them, and was told the supervisor would do nothing for me. 
They stated they can do nothing on their end and I would need to dispute this via XXXX  or XXXX
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. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the 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 repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY / XXXX XXXX : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR XXXX AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY XXXX  XXXX  XXXX ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.
Product: Debt collection

One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at Barclay 's and they are trashing my good credit by reporting the account late 90+days every month!
Product: Student loan

ERC is a debt collector for XXXX. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account number XXXX {$12000.00} XXXX XXXX XXXX Account number XXXX {$13000.00} XXXX XXXX XXXXXXXX Account number XXXX {$16000.00} MY INFORMATION HAS BEEN COMPROMISED. I CALLED EQUIFAX AND THIS COMPANY TO SEE WHAT WAS GOING ON AND RECEIVED NO HELP. THESE ACCOUNTS ARE FRAUDULENT. I HAVE MY FTC REPORT ATTACHED. 
15 U.S.C. 1692 et These accounts have not been validated.
Product: Credit card or prepaid card

On XX/XX/XXXX, I chose to use XXXX miles for an approximate {$100.00} travel credit as part of the Barclay Rewards program. I clicked the {$100.00} XXXX XXXX credit item then cancelled the transaction discovering that it would make more sense to use the {$550.00} credit item from the XXXX  XXXX which expires on XX/XX/XXXX. The payment was canceled but I lost the XXXX miles leaving me with only enough miles to apply an {$89.00} annual fee credit item. I immediately called Barclay at XXXX to request my points be returned which they refused. I escalated the issue to the Office of the President for consideration. The Barclay service manager said I could fax or send a letter to the Office of the President, Attn : XXXX XXXX - President, XXXX XXXX, XXXX, DE XXXX. Barclay offered no electronic option to file a complaint. Meantime, I have posted a payment in full for my account balance due XX/XX/XXXX. The service reps at Barclay were professional but it was clear they lacked any authority to resolve this simple issue of returning my XXXX reward points forcing me to mail a letter to the president.
Product: Credit reporting or other personal consumer reports

I found an account on my credit report that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

On the morning of XX/XX/XXXX I received confirmation from my new student loan provider Aidvantage that they received my XXXX application which was filled out the evening before. I was told it would take up to 15 business days to receive a response. It has now been a month and I have received no update except a notice to submit proof of income and to ignore if I stated I do not have income to report. I am newly unemployed, which was stated on my application as having no income. 
I have inquired with Aidvantage. Last week I was told my application was received XX/XX/XXXX. This is clearly incorrect and making me nervous. As we are now nearing the end of the 15 business day period of this date as well I would like information as to what has happened to my application and what is delaying this process. Thank you
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX bank and they said they could not write a letter of deletion so I can send to alll three credit bureaus.
Product: Mortgage

Company : SPS, Select Portfolio Servicing Issue : they did not process my Rate Renewal application. 

I asked them for Rate Renewal application 3 months ago. About two months ago, I were asked to file a dispute and wait for 30 days for a response. I were then told to wait another 30 days. I received a letter Dated XX/XX/XXXX, asked to call back to ... complete an application. Due to COVID-19, I only got the letter yesterday. I called them back today, XX/XX/XXXX. They still do nothing, I asked to escalate to manager, after long wait, I were told that no manager available, so disappoint ... Please help.

Background info : 1 ) The mortgage load was provided by XXXX XXXX originally, with a Rate Renew Feature : ... Apply for a Rate Renewal and relock your rate for another 5 years .... I did it several times. 
2 ) The loan was Transferred to XXXX  XXXX, I did another Rate Renewal XX/XX/XXXX, relocked the rate to XX/XX/XXXX 3 ) The loan was then Transferred to SPS. They did not follow the mortgage documentations, for an example, not long after transfer, they hiked the rate. When I asked them for a Rate Renewal, they appeared to know nothing about it, I were allowed a dispute only after long phone call and after I sent them copies of the original load documents and a copy of Rate Renew I did in past.
Product: Vehicle loan or lease

I was having financial difficulties on my job and tried to communicate back forth with them and ask them to work with me but it became to a point where they wouldn't work with me no longer and was trying to make me pay double and I wasn't able because I was already having a hard time on the job that I had being lay off. 
Account name JPMCB AUTO Account number XXXX .... 
Recent balance {$10000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$9300.00} written off. {$10000.00} past due as of XX/XX/XXXX.
Product: Credit card

Credit card ending XXXX Was originally a secured card for {$300.00} limit of which I paid XXXX to start the card. Then without my request or any indication of the limit increase the company Bank of America on its own elected to raise my credit limit to XXXX without my consent or request and used up any credit I may have had that I could have used to apply for a debt consolidation loan. Since the limit was raised mysteriously by Bank of America from XXXX to XXXX over night with no notice to myself, I continued to use the card of which the XXXX limit must have just been an illusion because it didn't have any kind of cut off or throttle and allowed charges to accrue over the limit up to almost XXXX over the limit and this card had NO OVERDRAFT! This really created a problem for me because not only did Bank of America take it upon themselves to dig in my pockets so to speak and took the first opportunity to lock me into a higher credit limit maybe based on some continuous credit monitoring they may do of peoples credit profiles which should be another predatory business practice, ( because like I said it was a sudden unexpected increase with no request made by me or notice given to me as the consumer ) this credit increase of my limit to XXXX negatively effected my credit which i was trying to build up to be able to buy the home I was in escrow with at the time then by them allowing the card to go into the RED big time they rendered my credit useless as far as trying to secure a personal loan to consolidate said debt and even with regular monthly payments of almost XXXX a month, this overage balance was NOT going DOWN at ALL! So, i complained several times to them and asked what they could do to help me and they had no offers of solutions at all. Just continued to charge me ridiculous fees and interest every month and the overdrawn balance on the credit card never budged. I had no choice but to close the now defunct account that I was never going to be able to have in the green with any kind of available credit limit at the banks rate and now they are still hounding me for XXXX payments on a XXXX balance on a card that should have only had a XXXX limit and only went up to XXXX overnight apparently due to some predatory credit limit issuing procedure they do on unsuspecting consumers. I'm a single mom with a special needs child and needed some consideration here from bank of America and they gave absolutely no help at all. Now my credit is even more in the XXXX because this horrible financial business doesn't care or feel the need to correct its glitches in its own system so people like me don't get these ridiculous overages that we can never pay down to a manageable limit. Please help make Bank of America take notice and acknowledge the error on their own banking and credit systems and give a consumer some consideration instead of just throwing us down the river. This is my second complaint about this company for the same credit card. The response they so called provided on the first complaint was no response or acknowledgment of my grievances at all.
Product: Payday loan, title loan, or personal loan

My complaint is that Payoff Inc by Happy Loans should not have closed my online access for my personal loan. 

On XXXX  my bank cleared {$3900.00} as the payoff amount. The following days I could not access my account to confirm if my balance updated to XXXX. 

I reached out to customer service for assistance and they advised that my online account access was closed and it takes up to 48hrs to process any Final Statement. 

I am very frustrated because I am trying to close a home loan and all I needed was an online activity showing my balance of XXXX. The practice of disabling the online account has disrupted how soon I could close my loan and risk of not meeting my escrow timeline. 

As of today, I still have not received a Final Statement or received any indication that my balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX CT XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

Apparently a fraudulent claim was made for unemployment benefits. USBank sent me a ReliaCard apparently for those funds to be loaded on. I reported the fraud to the Colorado State office, and was directed to try and contact USBank to report the fraud to them as well. For two days I have attempted to reach a representative for USBank ReliaCard, however their system continues to disconnect you if you do not put in your SSN, which I refuse due to the fraud being committed thru this company. I attempted to go thru my USBank XXXXVisa  card branch who also where unable to get thru to any representative in the ReliaCard branch. I called 3 different times on XX/XX/20, and again 4 times on XX/XX/20, before I attempted to go thru the XXXXVisa branch. I spent over two hours attempting to file the fraud claim with this company to no avail and no response.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have discovered fraudulent accounts and hard inquiries present on it, please dispute these following information, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX. The following hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These records are fraudulent and false, they are affecting my creditworthiness, please remove from my credit report.
Product: Student loan

On XX/XX/XXXX I received an email from Mohela saying that my XX/XX/XXXX billing statement was sent beyond the normal 21 days prior to the due date and therefore I could request a refund for that month 's payment and forbearance would be applied for that month to my account. 

I sent a request asking for the refund and the forbearance to be credited as indicated in the email received. On XX/XX/XXXX I received a response from Mohela saying a refund for my XX/XX/XXXX payment had been requested and that it could take between XXXX days to be processed. 

On XX/XX/XXXX, I sent a follow up message asking for an update since it had been 120 days since my request which was way more than the maximum 90 days I was told. On XX/XX/XXXX Mohela replied with no explanation and just said " A request to refund your payment made has been requested ''. 

On XX/XX/XXXX, I sent a third follow up message asking for an update. At this point it had been 185 days since my original request and no refund had been issue. As of today, XX/XX/XXXX, Mohela has not replied to this message.
Product: Mortgage

My father passed away in XXXX of 2014 and XXXX XXXXXXXX was foreclosing on the home while I was in Probate and was refinancing the home with another company. XXXX XXXXXXXX XXXX in my opinion.
Product: Debt collection

Ive received a notification from XXXX XXXX that a company by the name of Spring Oak Capital LLC reported a debt owing {$860.00} of a balance they alleged for an account opened in XX/XX/XXXX. I have never received any written notification of this alleged debt nor have I opened any accounts with this company. I dont know what this debt is and I have no accounts with any debts owing {$860.00}. I need proof of this debt and why it suddenly appeared on my XXXX profile as of XX/XX/XXXX. Its not my debt I would like it removed from my credit report and verified what this debt is. I have no knowledge of any correspondence of any debt owing from this company on XX/XX/XXXX. I am requesting this company show how this debt was acquired and also show proof that I agreed to pay this debt. Due to this situation my credit score took a tremendous hit. This debt is false and is not mine and it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXXb ( 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. 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!