23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Called ( XX/XX/2025 ) to negotiate repayment as issues for late payment based on deferment expiration. Instead of notification of late payment, company published multiple late payment instances all at once within a short period of time bringing down credit score. Company declared that they could not update on missed payments. Gave options for forbearance only
Product: Checking or savings account

JPMorgan Chase unexpectedly closed all of my accounts including two checking, savings, and two credit cards without explanation. I received a letter indicating that it was due to a " connection to a publicly reported financial investigation '' but upon inquiring about the reasoning, the bank refuses to give any information about the investigation. 

I am not under any investigation that I'm aware of, and have no knowledge as to what this could possibly be about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a copy of my ID with the correct mailing address to XXXX, XXXX and Transunion and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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: Money transfer, virtual currency, or money service

I am writing to express my issues regarding Zelle 's handing of disputes in light of the recent CFPB lawsuit highlighting issues with the banking app. I have used Zelle on numerous occasions and despite my reports of financial discrepancies, my financial institution and Zelle have continuously failed to investigate my claims. I've been informed that recovering lost funds, as well as tracking transitions was impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has allowed repeat offenders to exploit the system, leaving its users vulnerable to scams. The lack of accountability is unacceptable and raises my concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX  I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX. 

In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX  go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current. 

Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX. 

Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from XXXX was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with XXXX re-reported illegally and damaged my credit scores. 

I disputed the account first with XXXX and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and equifax when it hadn't reported before only on XXXX. 

So then I disputed it with XXXX XXXX and Equifax and it was deleted from XXXX XXXX in XX/XX/XXXX. 

Equifax has been the most difficult in not responding to my disputes. They updated the balance to XXXX  and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations. 


This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage. 

I again recently disputed the account with Equifax online and I need to get this correct in 30 or less releastically immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Transunion credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> XXXX Company name : XXXX  Date of inquiry : XX/XX/year> XXXX Company name : Creditonebk Date XXXX XXXX : XX/XX/year> XXXX Company name : XXXX Date of inquiry : XX/XX/year> XXXX Company name : first premie Date of inquiry : XX/XX/year> XXXX Company name : XXXX XXXX I did not authorize XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my XXXX XXXX and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.
Product: Credit reporting or other personal consumer reports

My entire student loan debt was discharged in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is discharged under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect zero balance but my attempts with XXXX  and equifax have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by Judge XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Diversified Adjustment XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Student loan

This complaint is regarding the company Higher Level Processing. Since XXXX I have been using their services as a third party to assist with getting federal student loans into the public service loan forgiveness program. Each year they assist with getting necessary documents submitted to XXXX XXXX XXXX to maintain eligibility in the repayment plan and forgiveness program. They have done their services with no issues until XXXX. I submitted updated information for the year XXXX when requested in XX/XX/XXXX. Beginning XX/XX/XXXX I noticed my repayment amount to have increased. I called Higher Level Processing to inquire about the reason this increase happened on XX/XX/XXXX with no answer. I then called XXXX XXXX Servicing where I was told that none of my updated information had gotten submitted therefore I was no longer in the income driven repayment plan so my payment increased. I then called Higher Level Processing again and was able to speak to someone who stated that they contacted me many times about needing updated information and that I had not submitted it. I had not received any communication with them as they stated they had done. To which they confirmed my contact information to insure it was correct, it was correct. The customer service agent resent the email to re-certify and assured me that if I got it completed in 14 days they would get me re-certified in the program no problem. I received the email and completed the information and submitted it on XX/XX/XXXX. I received no confirmation of information, but did have a charge on XXXX XXXX of {$19.00} for their services. I called them on XX/XX/XXXX to confirm information was received. The customer service agent stated a lot of confusion saying " It is not time to re-certify, we will send you that request in XXXX. '' I explained that it was for the last year due to the services not getting carried out. He then stated " oh, yes I see that now. We did receive and submit and you were approved for {$0.00} repayment on the income driven plan. I asked for confirmation of this to be sent to me. I then received an email that said the information was received and my request was being processed. On XX/XX/XXXX I received an email saying that the documents had been submitted. I called XXXX  XXXX XXXX on XX/XX/XXXX to inquire on the status to insure that it had been submitted. The customer service agent stated that they had contact from Higher Level Processing who posed as me and requested that my payment be frozen for 2 months, and the request was carried out. No documentation had been submitted. I am now taking actions to terminate with Higher Level Processing and work strictly through XXXX XXXX XXXX  to get back on track with my federal student loan program and repayment.
Product: Credit reporting or other personal consumer reports

I am not associated with this inquiry. I urgently request that it may be removed from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP ME! I am in the middle of a real estate transaction and my loan can't close because my lender is unable to obtain an Equifax credit profile. My other 2 scores are good and more than surpass the minimum thresh hold for the loan, but my lender says he needs to view the third report or else his underwriter will not allow the loan to close. The reason it is not accessible is because there is a security freeze on it. I have done everything in my power to gain access to my Equifax credit profile. I have sent out letters to the credit bureaus asking the freeze to be removed. I have gone online to attempt to have the freeze removed. My lender has called to do the same. I have even called and spent plenty of time attempting to have the freeze removed only to be told every single time that I didn't pass the security questions. 

I don't understand how I fail the security questions. I know my personal history better than ANYBODY. If the answers I'm providing do not match their records, it is because their records are faulty. How am I supposed to guess what they have in their records when they are not accurate? Regardless of anything else, I need to be able to access my Equifax profile. I have been trying to obtain it for months and I won't let Equifax prevent me from buying my home because they can't get their information right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudelent credit card account was opened by TDBank XX/XX/2020 under my name with different email address and phone number. In applying to refinance a past due account I found this on my credit reports. I have no knowledge of this account. I have filed complaints with credit bureaus and TDBank.
Product: Checking or savings account

I have a checking account with Citibank. In XX/XX/XXXX of this, Citibank changed their fee structure for their Citigold accounts introducing a {$30.00} per month service fee. As a result, I requested Citibank change my account type ( also in XX/XX/XXXX ) to their Citi Priority service in order to avoid such fees. I received confirmations from the bank that this changes had been made. 

Since XX/XX/XXXX, Citibank has continued to charge me the {$30.00} service fee on my account. I have contacted them multiple times to resolve this, but they continue to charge this fee in error and I have to contact them every time in order to have these fees refunded. My most recent request sent on XX/XX/XXXX received an irrelevant reply and the fees remain charged to my account. 

I consider this the most simple of requests, but I am frustrated by Citibanks inability to ensure they are not charging me unduly.
Product: Credit reporting or other personal consumer reports

PROCOLLECT , INC failed to provide debt validation and verification letter within the allocated time frame. This complaint is related to complaint ID XXXX. I have requested written evidence of debt and they have failed to comply. Under the FDCPA this is a violation and must be investigated. Remove and delete any reporting to any credit reporting agencies immediately.
Product: Student loan

XX/XX/XXXX XXXXXXXX XXXX To follow up to Case # XXXX, I spoke with MOHELA on XX/XX/XXXX at XXXX for 11 mins 9 seconds instructing them to not consolidate. Then again on XX/XX/XXXX after consolidation went through ( on XX/XX/XXXX ) and was told it was being escalated to cancel it. Now, still not reversed back to XXXX XXXX XXXX XXXX XXXX ) and spoke to them again today at XXXX and they stated they saw it requested on XX/XX/XXXX and were going to have to escalate it again today. They say it can take 30 days, and I want this reversal done ASAP as again, I was assured by them it wasn't going to go through on my call on XX/XX/XXXX, then again on my call on XX/XX/XXXX ( even after being told it wasn't going to be consolidated from XXXX, then again had to have it escalated today while speaking to XXXX ( sp ) this morning. This is unacceptable and am filing complaints with other agencies as mentioned. 

This is seriously affecting my Credit Score in a NEGATIVE way and is costing me time, money and emotional distress for something that is being not acted upon XX/XX/XXXX XXXX XXXX The Runaround continues!!! Just spoke to XXXX at Mohela at XXXX, said they don't handle this, that I need to call XXXX  to get it resolved... Called XXXX today at XXXX and spoke to XXXX she says I have to call Mohela. This is insane!!! Nobody has the ability to answer questions. I'm talking to Studen " LOAN '' departments and they all say the same thing, that they aren't " too familiar '' how student loans work... How is someone supposed to get answers on things ( that the FEDERAL STUDENT AID DEPARTMENT ) XXXX XXXX when I keep getting bounced around with STUDENTAID.gov and MOHELA pointing the fingers at each other???? This XXXX XXXX is costing me money and personal stress. This isn't the way I'd expect the US Government to work, but I'm not surprised. You have failed on many levels, and this is a personal matter that is now being failed. Nobody wants to take accountability for their XXXX XXXX Complaints will be filed as I'm tired of being told to call the other place, and then calling that place to be told to call back to the other place ( MOHELA to XXXX to Mohela to XXXX to Mohela etc ... ... ... ) DO BETTER XX/XX/XXXX XXXX XXXX To further the mess, I was told by XXXX to file a complaint with MOHELA, so I go to MOHELA, click " Submit a Complaint '' under their website, and wouldn't you know, it takes me to the FEDERAL STUDENT AID website to submit the complaint .... So which is it, do I file a complaint with MOHELA ( which goes back to this website that I'm typing right now on ) or go to you folks?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$690.00} Account Name : XXXX XXXX  Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$5200.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied for an American Express card from the Hilton Honor where they said they would give you XXXX award miles but that you had to spend a certain amount on the card within a certain period of time. When I received the card, I started spending money on it to earn those points. As time went by and I didn't see them credited to my account, I called American Express and they told me that I wasn't entitled to them. That day I cancelled the card because I was upset. The following week I called and a young lady answered and I told her that I wanted to know why they had denied me the points and she told me that I had had points previously with another card of theirs. I told her that that was many years ago and I did not understand why, to which she told me WHEN THEY APPROVED YOUR APPLICATION, THEY STATED THAT THEY WERE NOT GOING TO GIVE YOU THE POINTS. I let her know that if they approved it without the points, the most logical thing would have been for them to send me a communication letting me know that they were not approved and that I did not need to rush to make the expenses in the time established by them. If I had received the communication, I would have canceled the card immediately so that they would not charge me the {$250.00} fee and I would not have made those expenses on the card. I demand that they give me the points that correspond to me and that they return what I paid for the fee for the deception.
Product: Mortgage

I have had my home for 15 years and have never been late on a payment. I typically overpay on my payment each month. I did not receive an escrow analysis that they said they mailed me on XXXX notifying me that on XXXX my monthly payment would be increasing from $ XXXX to $ XXXX. This never came to me in the mail, and I've never had issues in all the years past receiving it. I understand this might have been an issue with the post office, but nevertheless, I had no idea my payment had changed. I made my payment for XXXX in the amount of {$1400.00}. It was only to my knowledge {$1200.00} that was due, but I typically overpay to try to pay the loan off quicker. I was not aware that this payment was now short {$96.00}, because I wasn't aware the payment had been increased to {$1400.00}. Had I known, I would immediately have paid the difference. They did not return the {$1400.00} payment I made. Instead they just held it as unapplied, and when I sent my XXXX payment in for another {$1400.00}, they took the {$96.00} out of that and held the rest unapplied. Had I not had a credit monitoring service notify me of a 30 day late on my mortgage, I would have had no idea this was happening. I immediately contacted them when I was notified of the late on my credit report ( not by XXXX ), found out the issue and submitted the short amount to correct the situation. I asked them to please remove the 30 day late payment, as I had made my payment and did not realize the amount had changed ( again this has never happened before ). I submitted a dispute with them, but they stated that they called and left me a message on XXXX. When I told them I never received a message and asked what number was called, they gave me a phone number I didn't recognize and have never used. I pointed out to them that it was not my phone number ( I have had the same phone number since the loan was originated, and it even shows when I log on to my account ). They acknowledge that they did not call this number, but they refuse to remove the late payment from my credit or advise why they called this other number. It seems so obvious this is a mistake on there end, but they will not acknowledge this or remove the late payment. They could have at least returned the payment to me, so I would have known there was an issue. I have never had a late payment on my mortgage, and I did submit my mortgage payment that month. I am just looking for some help to try to rectify this situation, as this is severely affecting my XXXX XXXX, as well as a co-signer that I have on the loan with me.
Product: Money transfer, virtual currency, or money service

Remitly has promised along with XXXX that my transfer would be transferred in less then 48hrs and well here Iam a week later nothing has been resolved. I depend on the service this company say they provide this company has failed me they assured me before I transfer the money