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

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXI 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 : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ;  XXXX-XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

Navy Federal issues with checking account overdraft fees & XXXX  acct program. Applying for my portion of settlement involving Navy Federal and this issue. Thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : XXXX  XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my free annual credit report from Equifax online. After entering my request at annualcreditreport.com and selecting a report from Equifax, when I reach the Equifax website and enter the last 4 digits of my SSN, the response says " Online Delivery Unavailable ''. I had this problem when requesting my report last year ( XX/XX/2017 ) and it is happening again. When I ask why can't I get my report online, NOBODY at Equifax has an answer.

I do not wish to have my credit report coming to me through US mail. The process is not secure, there are too many opportunities for that piece of mail to be intercepted. Only Equifax has this problem, both XXXX and XXXX XXXX make online access to the report readily available. 

I realize Equifax had major problems with their breach last year, but they are failing to deliver acceptable service to their customers.
Product: Credit card or prepaid card

On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items within the next 5 business days.
Product: Student loan

I submitted a payment to Mohela on XX/XX/24 to pay off one of my XXXX loans. The total amount of the payment was {$41000.00} which I made through my XXXX XXXX savings account. I received a confirmation email from Mohela and confirmation number, saying it would take 2-3 days to process. It initially was processing on their website then disappeared completely. The amount was not removed from my bank account nor did I receive a notification from the bank about this payment. I have called Mohela 4 times since then and they have either told me to wait a few more business days or they cant see this payment and keep trying to make the payment again. Meanwhile, this loan is accruing interest and I do not want to have to pay even more than I already owe.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  - XXXX XXXX  XXXX  XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

I was offered a promotional deal/discount from Home Depot . {$25.00} off initial purchase if you applied/got approved for a CITIBANK ( Home Depot ) card. So I applied, got approved, and made a one-time online ( Home Depot ) purchase. But I never received a bill, nor credit card, from CITIBANK... so I was only able to use the card once. The only thing I ever received from them was an overdue bill notice via email. The email gave a phone number to call for questions regarding the notice. But when I REPEATEDLY called, the automated prompt asked for either a credit card number or last XXXX digits of your social security number to continue. I punched in my social security number ( never received the card, so I didn't have a credit card number ), but got a response stating my account had been cancelled ... and was promptly disconnected. Seriously, how can you pay a bill if a company ( CITIBANK ) never sends it?! So I ended up filing a XXXX complaint against them. ( I paid for the purchase, but refuse to pay a late fee & interest. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 'S XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I didn't make these requests for a sam 's club credit card. I called the synchrony bank and they couldn't tell me who did it and all they did was close the account. They were supposed to send me a correspondence stating this was fraud but I never received any documentation. 

Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has repeatedly reported this item incorrectly on my credit. I'm dealing with a debt settlement company that specializes in this hard money, very high interest loans in settling them so the creditor doesn't take a complete loss via bankruptcy. I didn't want to file because I felt there was another way to do this. They've been taking payments since last XXXX and are scheduled for the last payment to take place in the amount of {$700.00} this month. Then the debt is considered paid as settled. Yet they continually keep updating the credit bureaus stating the account is charged off for over $ 4K! It's not true and this is the 3rd time I've had to report them for inaccurately reporting this account on my credit. It's wrong on all 3 bureau reports. The agreement they signed is attached as proof yet again, that this very slimy company continues to pretend they don't know exists. I would suggest contacting their corporate office who is the one that made the agreement, without the knowledge of their rogue collection dept. who keeps trying to say I owe them more and the account was charged off. If they don't fix it I will find an attorney and have the item permanently removed from my credit. If they put it back on after that as a charge off then I'll be happy to sue them! They've repeatedly violated this agreement!
Product: Credit reporting or other personal consumer reports

I need help creating a dispute letter using 1681 for civil liability for negligence not complaints. Please delete immediately where the fair resolution to this issue. 

XXXX account were reported negative and they were paid in full
Product: Bank account or service

I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX all reporting a credit card negatively. XXXX XXXX XXXX XXXX ending in XXXX in the amount of {$920.00}. 
XXXX has 82 credit inquires. None are mine, XXXX fixed the inquires on there report but Experian and XXXX are reporting incorrect/fraudulently made inquires still. 
XXXX reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 XX/XX/2016
Product: Payday loan, title loan, personal loan, or advance loan

They always try to take money out when I am broke and then they leave me without no money and they charge me interest that I can not afford and they keep charging me and charging me and then my bank calls me and sing somebody is defrauding my account all the time
Product: Mortgage

To whom it may concern : I have reached out to your FREEDOM MORTGAGE customer service department on numerous occasions without any resolution to my problem nor do I even get a callback. 

At issue, I have made numerous EXTRA - FULL payments on my mortgage, account number. 

I wanted these payments applied in such a way that my mortgage would be PAID AHEAD by ( 6 ) months. 

Instead, the funds were applied supposedly to the principle. 

Since the funds were NOT applied to my account in the manner I intended, I have requested the funds be RETURNED/REFUNDED. 

To date, I have only received a REFUND check in the amount of $ XXXXXX which is MUCH LESS than the amounts of my OVERPAYMENTS. 

But, my bigger concern is that my ACCOUNT HISTORY is so jumbled up with Primary Payments, Payments, Reversals, and Payment Suspense line items, it is extremely difficult for your Representatives to read my account. 

This is extremely FRUSTRATING, not to mention the RUDE treatment exhibited by your representatives because they can't seem to figure it out ; as if it's my fault and like I'm being a nuisance for even wanting them to research it. 

Again, with each phone call, I am told by the representative the account will be sent to the CASH DEPARTMENT to assess the situation and that someone will get back to me. 

Of course, no one ever does ... 

So, what I want is to have an accountant look over my account line-item for line-item, starting from XX/XX/XXXX to current XX/XX/XXXX. 

After this, I then would like a PROMPT REFUND of my sizeable EXTRA-CASH FUNDS for the monies not applied as I intended. 

I am at the point where I have a DISTRUST of your firm and I am researching ways to REFINANCE my mortgage. 

I am also researching ways on who and what organizations I need to contact in order to have Freedom Mortgage and your bookkeeping practices investigated. 

I am looking for a SWIFT RESOLUTION to this matter.
Product: Mortgage

Shellpointmtg.com continues to refuse to apply " principal only '' payments to principal. Every month Shellpoint manages to incorrectly process my payments to acquire more money than they are legally entitled to, e.g. charging two months of interest for one month. Shellpoint told me over the phone I can not pay principal only payments via the phone or internet, so I always send them via US mail labeled as " Additional principal '' payments. I abide by this strange mailing restriction. However, Shellpoint has consistently wrongly applied these payments into extra interest by including them as second mortgage payments for the next month. They told me they would not do this again and they noted in my file to apply extra money towards principal. Nevertheless, in my XX/XX/2016 statement, I see many errors again. Shellpoint " fixed '' my $ XXXX principal only payment from two months ago by postdating it to the end of the month instead of the beginning when they received it to ensure I would pay more interest ( their standard operating procedure it seems ). They also applied my extra principal $ XXXX for my XX/XX/2016 payment to " partial payment unapplied '', put into a separate suspense account. Doing this consistently every month is VERY BAD! Shellpoint MUST learn how to legally process principal only payments. So the $ XXXX is applied too late and the $ XXXX is sitting in limbo, not counting towards principal. Sending principal only payments is a very common thing to do, so all mortgage companies should know how to process them. I ca n't keep begging Shellpoint every month to apply my money the way I specify in the payment stub. How can I get legal and fair treatment to resolve this?
Product: Checking or savings account

Complaint Against Midland Credit Management for Improper Debt Collection PracticesDear Sir/Madam, I am writing to file a complaint against Midland Credit Management , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA  XXXX, and their attorney, XXXX  XXXX. 
Constractor, New Jersey law, firmXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX NJ XXXXXXXX, for improper debt collection practices.Summary of Events : Bank Account Frozen : I live in New York and have a bank account here.On XX/XX/2024, I found out that my XXXX XXXX  account was frozen with {$800.00} taken.I never received any court papers about a lawsuit against me in New Jersey.Wrong Address and Misleading Notices : I objected to the bank account freeze in XXXX XXXXDespite providing my correct New York address , the court continued to send notices to the wrong address.The notices instructed me " Do not come to the court '' and stated " No oral arguments will be presented. " My objection was subsequently denied on the grounds of " failure to appear '' for the hearing, despite the misleading notices and improper address use.Legal and Financial Issues : New Jersey law states that funds under {$1000.00} are exempt from garnishment.The court 's ruling was based solely on the documents provided by the plaintiffs attorney, which violates both federal and state laws.The actions of Midland Credit Management and their attorney have caused me financial and emotional stress.Pattern of Complaints : Midland Credit Management has many consumer complaints against them for similar issues.They are using New Jersey authorities in ways that violate New Jersey law.Request for Investigation : I am asking the Consumer Financial Protection Bureau to investigate the actions of Midland Credit Management and their attorney. Specifically, I request : An investigation into why my bank account was frozen.A review of the court 's handling of my case, including the wrong addresses and misleading notices.Assurance that New Jersey law and federal laws are being followed regarding exempt funds.An examination of the broader pattern of complaints against Midland Credit Management.A resolution that addresses the financial and emotional harm caused to me.Thank you for your attention to this matter. I look forward to a prompt resolution.Sincerely, XXXX XXXX
Product: Checking or savings account

TD Bank closed my account and I was unaware of this as I went in the bank on XX/XX/year> because I couldnt login to my online account, and the branch XXXX, XXXX XXXX informed me my account was closed. Asked why and he didnt tell me why. He asked XXXX follow up with him which I did XXXX times and he still didnt give me any information. My account that was closed had over {$12.00}, XXXX in it and I was told I had to wait XXXX days for processing which I did and yet I wasnt given back my money. When I followed up several times with XXXX XXXX he still had no update and refused to give me back my money referenced above.
Product: Mortgage

Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However Capital One entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to Capital One and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but Capital One does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX 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 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 to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : Experian, XXXX, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with XXXX  on XX/XX/XXXX ; XXXX and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.
Product: Debt collection

I had a work injury on the job and became XXXX in which I could not make payments to the original creditor ( XXXX XXXX, XXXX ). It was agreed upon by me and XXXX XXXX that I could make some form of payment. From there XXXX & XXXX harassed me over and over again regarding this debt stating that they purchased it from XXXX. I don't owe XXXX XXXX XXXX I owe XXXX XXXX. The amounts are definitely incorrect. I have asked them several times to please send me copies of every payment that I have made and they have refused to do so. I also wanted copies of the original purchases that I have made because of suspected fraud. That has never been sent as well. Even with the payments that i have attempted to make it never came off of the balance. It is so sad of the intentional threats of suing me that they have made. I would like this collection XXXX XXXX XXXX ( MIDLAND CREDIT, INC ) removed from my credit please. If the creditor sells the debt to collections it is no longer their debt and it is no longer mines either.