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

On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from transunion where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.
Product: Credit reporting or other personal consumer reports

Recently the CFPB fined XXXX XXXX Million Dollars for failure to conduct proper investigations of consumer disputes. The CFPB found XXXX ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with TransUnion and the XXXX XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the XXXX XXXX, TransUnion did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. TransUnion verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine XXXX XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has refused to correct my credit report. They have continually showed 90 days late for the period of 3 years after I filed chapter XXXX bankruptcy. They still show the account as open and will correct the information after repeated disputes. I am currently on the XXXXth dispute with the credit bureau to get this information corrected and they have once again failed to remove the 20 90 days late since getting protection under Chapter XXXX.
Product: Student loan

my mohela account history is displaying flawed information as if I have missed payments or currently have payments due. I am not sure if mohela refuses to apply the payments correctly, or is unsure how to apply the payments so that the payment due date is projected based on the totality of the payments made towards my XXXX account. 

My account shows the following message : " Please note : This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. '' Actually, I have made 9 monthly payments in XXXX consolidated payments ( XXXX and XXXX for monthly payments at XXXX each per month ). Based on mohela 's website and my documentation, the payment application breakdown according to the monthly payment of {$340.00} is {$130.00} being applied to sequence XXXX and {$200.00} being applied to sequence XXXX. The XXXX payments that I made both in XX/XX/XXXX ( {$1000.00} and {$1900.00}, respectively ) should have projected the payment due date to XX/XX/XXXX, but mohelas system has not adjusted making the payment in the amount of {$1000.00} appear to be the monthly payment for XX/XX/XXXX, and the payment in the amount of {$1900.00} appearing to be the monthly payment for XX/XX/XXXX. This is totally inaccurate. 

mohelas Payment breakdown was applied incorrectly to account as if each payment ( XXXX and XXXX, respectively ) was the monthly payment due. The {$1000.00} paid XXXX covered monthly payments at XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. From this {$1000.00} payment, {$390.00} should have been applied to sequence XXXX and {$620.00} should have been applied to sequence XXXX instead of the inaccurate applications of {$130.00} for sequence XXXX and {$930.00} for sequence XXXX. The {$1900.00} paid XXXX covered monthly payments at XXXX for the months of XX/XX/XXXX through XXXX XXXX. From this {$1900.00} payment, {$780.00} should have been applied to sequence XXXX and {$1200.00} should have been applied to sequence XXXX. The next scheduled payment due date should be XX/XX/XXXX not XX/XX/XXXX or XX/XX/XXXX ; however, I have technically fulfilled the remaining XXXX payments pursuant to mohelas remaining payments letter, dated XX/XX/XXXX. 

Additionally, I have filed the XXXX Request via the XXXX XXXX XXXX XXXX website ( studentaid.gov ) which was uploaded successfully on XX/XX/XXXX. I am now awaiting the decision from the federal courts regarding the injunction for all XXXX payments.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  pandemic during the covered period.
Product: Consumer Loan

I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
Product: Student loan

PHEAA and AES Loan originated with PHEAA was consolidated and was then serviced by AES. The loan amounts are incorrect. I do not owe the amounts listed under PHEAA and or AES. I asked for loan information ie amounts borrowed and total amount owed in XXXX of XXXX. I have yet to receive any information. The total amount of student loan debt listed on my credit reports is far more than the maximum amounts that can be borrowed for XXXX. Essentially, I am being charged XXXX XXXX XXXX dollars in interest payments. These balances are incorrect. Please furnish all loan consolidation and amounts borrowed all information for XXXX PHEAA/AES
Product: Mortgage

United Wholesale Mortgage is still over charging me {$500.00} on my monthly mortgage payment, after I satisfied the escrow as a result on increased property taxes and insurance. Since XX/XX/2021 I have called UWM over XXXX times accumulating XXXX plus hours of my time and requested to speak to a XXXX on multiple occasions. Every time I end a call I make sure the the representative has notes detailing our conversation along with the necessary resolutions steps that need to be taken. The representative then says they have opened a ticket and my payments will be corrected in XXXX business days. I then log into my account on the XXXX business day to see that the payments have not been corrected. There is now {$10000.00} worth of reversal transactions and I don't know where the money went. The over payments are causing my checking account to go into the negative. UWM clearly does not have the proper controls and monitoring in place to resolve customer concerns and the Government needs to audit them. I work in risk and none of this is acceptable. I still have not talked to a XXXX at XXXX yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Student loan

MOHELA is one of the worst services I dealt with in the US. What a terrible company. 

Department of Education transferred to MOHELA, the latter did not recognize a payment I did to my loan and it is asking for a payment I already did. 

It is impossible to contact MOHELA. Phone takes hours and they hanged up. Letters are not answered. It is like talking to a wall.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues within the platform. Despite being a frequent Zelle user and reporting discrepancies, my claims were neither investigated by Zelle nor my bank. I was informed that recovering lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings suggest that Zelle has failed to adequately protect its consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams.
Product: Checking or savings account

1 ) Ordered item from XXXX. 
2 ) Item was hacked by someone in Georgia.

3 ) Notified XXXX that I did not receive the ordered item. 
4 ) XXXX reordered item. 
5 ) XXXX referred me to XXXX XXXX XXXX to buy a XXXX XXXX protection for my computer. 
6 ) Ordered XXXX with XXXX XXXX for {$290.00} for 2 years. 
7 ) On XXXX, I was contacted by XXXX XXXX stating they would credit my checking account {$390.00} for 3 years of XXXX XXXX protection. 
8 ) I cancelled the {$390.00} transaction because my contract with XXXX XXXX had not expired ( one more year to go till XXXX. ) 9 ) I filed a fraud complaint with my bank and your company.
Product: Debt collection

As you know we are finally being relesed from a 2 and a half year pandemic. A lot of life changing things have happned in that time frame. I am aware information getting mixed up transfered to the wrong hands etc. Honestly I am not here to point any fingers or provide a XXXX story. I do want to point out some facts as proof to why this capital one account is not mine and why it shall be delted from my credit report. when i look at my credit report i see a credit limit for {$1000.00} but balance of {$1400.00}. I knwo im not the smartest but my cards that i have opened do not go over {$400.00}. if i knew i could get that high of a limit starting out i would have signed up. the only card on my report that is really high is an authorised user my father put me as on his card. so honestly that raises a red flag for me. i am a hard working mother providing a lifestyle for my family so i do not have time time to fall back especially when it come to credit cards. it gave me a XXXX when i seen the item on my report truth be told. let alone the amount this card had on it. i would never allow a high balance card to close or any card for that matter. when it come to finances i work diligently to be responsible. another thing is the accoutn was opened in XX/XX/2018. I was a mother with a XXXX XXXX XXXX so there is no way i would have been in anyones bank with my XXXX  or honestly even have the time to thing about credit. so that definitely raised another red flag for me. now during the time of my XXXX i had a couple as roomates we did not know eachother very well but we had an ok relationship. anything is possible so it could be possible my personal information was looked at. i do not know it to be a fact but i am just saying because we did have a weird falling out and the couple left in a hurry. In all reality i do not want to prolong this situation because i want to start the process of buying my house. the lender i am connected with has already expressed the better my profile is the lower my interest rate and higher amount potentially approved for. So you see if the item was truthfully mine i would have arranged to pay it. i have integrity and i am very ethical. especially when it come to my finances or even other peoples money. i know money is veery signifcant an we have to tke care of it. I really hope someone sees my letter and assits me in getting this false item delted. i tried to make syre this doent sound like a XXXX story but more of fscts and straight to the point.
Product: Debt collection

I bought a cell phone at XXXX from a XXXX kiosk over 7 years ago. I returned the phone to XXXX before 30 days. XXXX claims I never returned the phone, but I did, I had a receipt for the returned phone. They sent my account to collections, I called them, sent them a copy of the return, but they still refused to credit me and said, '' they couldn't take the account out of collections. '' This account has been sold to several different collection agencies over the years, and I've called every single one of them explaining I returned the product, but they insist I pay {$470.00}. 
Because the accounts been transferred so many times, it looks like my debt is only 2 years old. If I kept the phone I'd have paid for it, the XXXX manager at the time was aware of the return, I even sent them a statement from him saying he accepted the return. 
According to XXXX, they never authorized the return, but the return was made at the XXXX kiosk where it was purchased, then I was directed to the XXXX return desk to complete the transaction. It was paid for on my XXXX XXXX at the time, I closed that account because I closed XXXX XXXX. I'd appreciate this bogus collection which has plagued my credit creating a false low & constant derogatory blemish on my credit report.
Product: Vehicle loan or lease

I have a car loan with Ally, I have not been able to check my balance on their website for XXXX weeks. I called Ally many times and they told me its because I almost finish paying the loan. 
Thats not a reason to block me from checking my actual balance and amount of interest on my account. 
It takes a lot of time to speak with someone at Ally and at this moment do not know any information on my loan. 
Every time I have the chance to speak with customer service they request me to make a payment with out telling me how much is for the actual Loan and how much is for interest and late fees. 
When I know for a fact that I can pay interests at the of the loan. 
Thats misleading of information, they should not omit giving the proper information. 
And I still have no information about a previous complaint that I submitted on XX/XX/XXXX with Ally.
Product: Mortgage

Consumers BEWARE!!! We started with this company in XX/XX/XXXX and after a few weeks XXXX ( the owners nephew ) kept asking us for the same information we had already sent and when we questioned what was happening in the process he was ALWAYS very vague and would say it was being handled by his " higher ups '' AKA his uncle. That he was the liaison and had to wait for them. They were ALWAYS " in a meeting '' ( translation on the golf course. ) They took no consideration that people were waiting for them to do their jobs. We had numerous closing dates only to be disappointed after each date had come & gone. SO we started following up with the closing attorney an found out there was NEVER a closing scheduled any of the times he claimed. LIE after LIE, then we had to have an appraisal which he scheduled late as well and that took 3 weeks and we had to jump thru more hoops. The issues with the appraisal was already identified in the inspection report 2 months back and he acted like it was a surprise. When we talked to the appraiser he told us he had informed them when we put in our offer of these issues. Again we found more lies from them. <P/>With all the missing paperwork that we had to keep refaxing makes one wonder how well they secure our personal information. XXXX also kept trying to get us to give him our login and password information on our personal & bank accounts. Not in a millions years as he was very untrustworthy & shady in our opinion. Since I had to work, my wife faxed and fielded a lot of the information he requested and after he became upset because she caught him in lies and then he would just email me. So he did n't want to deal with women/wives because she caught him and would follow-up in his lies and deception. It was only after we got the manager at the realtors office involved did it hold him more accountable. Because his " higher ups '' were family and they were not going to do anything. We finally closed in XX/XX/XXXX after fighting thru every phase of the process Then they made us put money in escrow for a deck repair after the repairs were done XXXX had NO CLUE how to release the escrow money. Here we go again, money held up & being punished for calling him out and being caught in more lies. First email said oh its easy an nothing to worry about, then he sent the inspector out. Then he said he " was waiting for the inspectors paperwork '' LOL we called the inspector and he said it was sent to XXXX same day. Another lie so when we called him out on that he blamed the Attorney so we called XXXX XXXX office and he could n't believe that XXXX was blaming them AGAIN. <P/>When we called him out on that lie, well you guessed it, he said, it was " THE HIGHER UP 'S FAULT '' LOL Lie after lie and he hated being caught when we would question him. So his vengeance to us was to make us wait longer to release our money back to us. <P/>So we would like to warn the public and tell our story so they could have a successful stress & lie free home buying experience. BEWARE of this company and its lies. If you read the complaints from the Virginia office others have had the same experiences.
Product: Credit reporting or other personal consumer reports

I was in a wreck and my lease was paid off in full by XXXX XXXX in XXXX. I was never late on a payment and my monthly payment status shows this with each credit bureau. Initially, the remark on the account said 'natural disaster ' and then it was updated to 'early termination/ insurance loss ' On XX/XX/year>. This remark has caused my XXXX to drop roughly XXXX points. This language is erroneously interpreted as derogatory with XXXX. Because of this language, XXXX is showing that I have this account with a XXXX and XXXX days late payment and XXXX % accounts paid as agreed instead of 100 %, as it should be. However, when going through the monthly payment history, there has never been a late payment. For a resolution, I would like the remark 'early termination/insurance loss ' removed from this account or I would like the account totally removed from my credit history from each major credit bureau, due to its false and negative impact its having on my XXXX credit scores. Thank you.
Product: Mortgage

I'm suppose to close on a pre-construction home some time in XXXX. I signed the contract disclosures on XX/XX/2022 and on XX/XX/2022 I asked my loan officer if I can lock in my interest rate at which time it was 3 %. I was told by the loan officer that I wasn't able to lock in yet, but when I went back to read the Interest Rate Disclosure I noticed that there's no time frame to lock in my rate and on the contrary it states that any time I'm ready I'm suppose to advise my lender when I would like to lock my rate. I was denied that opportunity with no explanation or options given and I feel that the Interest Rate Disclosure has been breached, it contradicts our agreement and breaks it. I tried to explain the situation to my loan officer but was told that there's nothing they can do and I would have to accept todays higher rate. Furthermore, I requested to speak with a supervisor to see if they were able to help in this matter, I was told I would receive a call but haven't heard anything yet.
Product: Money transfer, virtual currency, or money service

This week, I received mail from a company called " Cash App '' with a " cash card '' ( which is essentially a credit/debit card ) in my name. 

I have never applied for a card through Cash App, nor have I ever used its mobile app. 

With all this in mind, I called Cash App 's customer service number, hoping to get some answers. The first representative hung up on me after I started asking questions about the account. The second representative took my email address, and stated she couldn't answer any of my questions until I filled out a questionnaire, which would be sent via email. I did receive an emailed questionnaire, which I promptly filled out and sent back to Cash App. Throughout the week, I have been emailing Cash App for an update/resolution on this matter, and have not heard anything. 

Given the circumstances, I'm reporting Cash App to the CFPB, as I believe I've been scammed, and my financial/private information is now fraudulently being held by this company.
Product: Credit reporting or other personal consumer reports

I DISCOVERED THAT SPECIFIC DETAILS ABOUT XXXX HAVING 3 DIFFERENT ACCOUNTS UNDER MY NAME THAT THEY CHANGED 3 TIMES I PAID XXXX BUT DID NOT GIVE CONSENT TO XXXX, TRANSUNION NORE XXXX TO OBTAIN MY CREDIT INFORMATION.