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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

In XXXX of XXXX I signed up for XXXX XXXX  to pay my mortgage to Nation Star Mr. Cooper Mortgage company. 
Six mortgage payments from XXXX of XXXX to XX/XX/XXXX were sent to Mr. Cooper. I by mistake entered the wrong mortgage account number on my XXXX XXXX  The correct For 6 months my XXXX  XXXX XXXX was sending these payments to the wrong account. 
At the same time Mr. Cooper was withdrewing the same amount every month through their auto pay and as a result of that 2 mortgage payments were moved to Mr. Cooper every month for 6 months from my XXXX account. 
When I found out 2 months ago I contacted both Mr. Cooper and XXXX  to solve this problem. They are both blaming each other. XXXX people say they have sent these payments and they were accepted by Mr. Cooper and they provided me with the proof of that these payments were accepted by Mr. Cooper. Mr. Cooper says since this account doesn't exist we rejected these payments. 
Not only that but it's taking me many hours every day to contact someone from XXXX  and Mr. Cooper trying to resolve this issue. I have spent so much time for the past 2 months talking to different representatives from both XXXX and Mr. Cooper without reaching a solution to this problem. 
If these payments were sent and accepted by Mr. Cooper and Mr. Cooper rejected them then where did these payments go? My six mortgage payments that totaled close to {$10000.00} are lost and no one seems to know what happened to these 6 payments.

I would appreciate your assistance in resolving this problem. 
Thanks
Product: Vehicle loan or lease

Account was disputed because account is reporting inaccurate on credit report. Stating open by XXXX while closed by XXXX. Missing date last verified by XXXX and date closed by bite XXXX and XXXX reporting account not disputed. This is false because account has been disputed. I ask that for information on how account came up with this balance owed. Please break down numbers so that I can understand. Previously account disputed by original creditor as Payment after chargeoff by XXXX while XXXX reported unpaid balance XXXX reported as Paid charge off and suddenly it all changed to charge off as bad debt unpaid balance reported as a loss
Product: Debt collection

I am the victim of identity theft that occurred around the time of the alleged account opening. I did not open the account in question, and this company is reporting falsely to credit agencies that I opened the fraudulent account in XXXXXXXX XXXX XXXX, when according to response to my prior complaint, as well as other reports, the account in question was opened in XXXXXXXX XXXX XXXX Respectfully, I request this false information, fraudulently opened account as a result of identity theft, and any associated information, to please be removed from my account. The company said they received my cease and desist, but in the same statement, admitted to contacting me through information obtained through my CFPB Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report. They say its justified but showed no proof. None of my debt is updated and my XXXX loans are in forbearance due to family emergency medical bills and XXXX XXXX impact on finances. Im also in XXXX and XXXX. I have XXXX children. Two of which are XXXX. None of my reports are even accurate. This is severely impacting my ability to move forward. I need help. 
XXXX loans remarks are severely affecting my credit. XXXX doesnt update my acct timely and Ive been on time. Comemity Bank harassed me and is rude and discriminating and forces payment plans that I can not accept or is not in my financial price range. I cant get loan for a safe car for my kids due to all this incorrect errors or even a safe home to fit all my kids and we are not living in a healthy home either. Plus I have no idea why there are so many aliases and inquiries. I made a couple trying to get an auto loan for a safer vehicle but due to all this incorrect information its causing my family and myself XXXX XXXX Please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus to remove old and inaccurate information off my reports back in XXXX. Only XXXX and XXXX were the only 2 to remove and update my account Experian refused to follow suit. So since then my account has been reporting like this and I havent been able to see my reports for XXXX and XXXX. I pay {$20.00} a month for the Experian membership, I have contacted all bureaus and no one seemed to help or fix the situation
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 XXXX XXXX XXXX XXXX, 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

Experian continues to report a settled XXXX XXXX XXXX account to my credit report even though the FCRA 7 year reporting rule has expired. My records show that the last payment on this account was prior to XXXX XXXX and in fact, the account was charged off by XXXX XXXX XXXX prior to XXXX XXXX and settled with a third party collector in XXXX XXXX ( see attached settlement offer letter ). Typical time of delinquency prior to charge off is 6 months, clearly indicating that the date of first delinquency was in or prior to XXXX XXXX and that the 7 year reporting rule has expired. XXXX and XXXX have both dropped the account from their reporting, but Experian continues to report it with serious impact ( XXXX points ) to my FICO scores.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience with XXXX and TransUnion, where TransUnion also has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
Product: Student loan

I am part of borrowers defense for XXXX XXXX XXXX forgiveness. This was supposed to be done from XX/XX/XXXX. 
I am now with Mohela and want this to finally be forgiven. I attended XXXX, which was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and after. 

I have been waiting for years now and this is impacting my credit.
Product: Debt collection

Scott & Associates has levied my bank account for the debt of my children 's Mom. I will pay for her if they will release the funds. My Dad has XXXX XX/XX/XXXX, so this is an emergency. If they do not release, she has already agreed with me to file ch XXXX bankruptcy.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, my student loans were transferred from XXXX XXXX to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with Experian, without results.
Product: Debt collection

XXXX XXXX has called me multiple times and hung up with out giving me any info. This mornings call at XXXX was XXXX calling me and hanging up after I verified that he was speaking to the correct party. It took me speaking with a manager to figure out what the debt was. The last time he called me a few days ago the same XXXX called and hung up on me after telling me I was " refusing to pay '' but I had NO IDEA what I was " refusing to pay ''. They also never read to me my Mini-Miranda before hanging up on me.
Product: Money transfer, virtual currency, or money service

i make my payments online at XXXX money card, i had went online and canceled the payment, till i talked to CHASE bank because our AC went out and it was 97 in our house, my son was having XXXX on XXXX XXXX XXXX and my wife that had XXXX 4 times was sick and the heat was to much, when i looked on debit card XXXX had sent the payment ,XXXX ONLINE PMT-CHASE BillPay - {$480.00} so i called CHASE and explained they said they understand they be no problem, so i get an email on the XXXX saying it be 7 seven days it Know the XXXX and no refund, this is the email from CHASE,,, Thank you for contacting us through our Secure Message Center. I certainly understand how needing a refund of your mortgage payment due to family emergencies can be overwhelming. My name is XXXX, and I appreciate the opportunity to assist you. 

After reviewing your account, I see that your refund was not sent by mail ; however, I can confirm that on XXXX XXXX XXXX, we returned {$480.00} to the bank that sent the payment. I sincerely apologize for this confusion. It may take up to 7 business days for this to show on this account. I can kindly suggest monitoring your account that you made your payment from to ensure your funds are returned.

If you do not see this refund in your account within 7 business days of the return date of XXXX XXXX XXXX, please feel free to contact us through our Secure Message Center or give us a call at any of the numbers listed below. We are available Monday through Friday from XXXX XXXX  to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX., Eastern Time. 

XXXX, if you require any further assistance, please let me know. I am only an email away and always here to help. 

Take care, and have a great day. 

Best regards, XXXX XXXX Chase XXXX XXXX TTY / Text Telephone, as it turns out they sent it the executive office, and she said wait till Monday and i already no they will be no transfer, from the XXXX till today it been 12 days, i fell like i discriminated against, because they just give me run around and they will be nothing done by CHASE, if customer support fails this bad and needs and executive to fix a simple solution, then something is not right, and i need help, this problem has cost me more than i ask for back from CHASE, JP Morgan
Product: Mortgage

My loan was transferred to PNC bank from XXXX Mortgage in XXXX. In XXXX PNC under estimated my escrows and then sent me a refund of some of the escrows. In XXXX PNC did a new escrow analysis and which at that point they found an escrow shortage which added about 33 %. I told them that what they had calculated for XXXX was way too high. Based on their calculation they would be collection almost 40 % excess escrow. They basically stated that they calculated them accurately. I called my city tax office and they stated that my escrow for taxes XXXX only increase XXXX on an annual basis. I called PNC again expressing my concerns. After about XXXX phones calls, we asked them for an option to remove my escrows because they could not manage my escrows. It appears this lender does not know how to do an escrow analysis. They sent me a letter that my escrows were to be removed on XX/XX/XXXX. When I tried to make my payment, they were making me payment my escrows and Principal and interest. The payment they charged me was XXXX of that my principal and interest is only XXXX They were collecting XXXX for escrows. Mind you my total escrow on an annual basis is about XXXX. But yet they are trying to collect XXXX. This way exceeds the XXXX cushion if I had escrows. 
This lender does not seem to care about its customers and being a financial institution, they put consumers at risk based on their business practices. 
I am available to talk to at XXXX
Product: Student loan

Student loans with EDFinancial were transferred to XXXX for Processing under the XXXX XXXX XXXX. and are being reported to correctly by XXXX to the credit reporting agencys. But EDFinancial refuses to report the transfer and are reporting the closed loans as open and showing balances for loans they no longer have.Loans transfered XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to PNC BANK, N.A about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the XXXX XXXX and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.