23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was locked out of my TD Account online and was unable to pay them. I tried calling to resolve several times and was not successful. After I finally was able to pay them, they dinged my credit report for late payment. I had commitments over the phone that they would not report to credit agencies. When they did, I called them and they removed the inaccurate information. A while latter, it showed up again. I have paid the bill and closed the account but this negative mark on my credit has affected my ability to buy a car and get a mortgage costing my many thousands of dollars. The original charge was {$37.00} by the way. In summary, I was prevented from paying due to their technology, they assured me they were n't going to report to the credit agencies, they did anyway, they rescinded due to their error, and then put it back on again. This is an error. I pay my bills on time and I deserve to have a credit score that reflects that.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer pursuant to 15 U.S.C. 1692a ( 3 ).

Chexsystems has furnish unauthorized information about me a consumer to third parties and other persons.

Chexsystems never received written instructions from me to do so pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, which states - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Chexsystems has violated 15 U.S. Code 1681q.Obtaining information under false pr
etenses by furnishing information without my consent, all employees officers, and senior members of Chexsystems are subject to the following - Any person who knowingly and willfully obtains informa
tion on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Vehicle loan or lease

On XX/XX/2022 I traded the truck I had financed off and canceled The extended warranty I had on it through XXXX XXXX XXXX ( a sister company of Chrysler Capital according to a representative through XXXX ). XXXX XXXX XXXX was instructed to issue the refund to me via check since the vehicle was being paid off by the dealership that I traded at they issued the payment to Chrysler Capital causing an overpayment on my account of almost {$1800.00} ( USD ). I have contacted yo get Chrysler Capital to get the funds released and was told I would have to wait 30-45 days for the payment to clear ( I was told by a rep for XXXX XXXX XXXX that they, Chrysler Capital should know if the funds are available since it is the same company ). I would like an immediate refund for the overpayment to happen.
Product: Debt collection

company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX XXXX. after I recontacted them, was told it is D2Management 2 ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : D2 Management LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is currently jeopardizing my legal rights. Any harm inflicted upon my legal entity is, in turn, causing harm to myself, XXXX XXXX XXXX. Failure to adhere to the appropriate procedures implies consent to the terms and conditions outlined for the concerned individual involved in the ongoing legal proceedings. This situation is of utmost gravity, and as a consumer, I was not provided with full disclosure. I have received a cease and desist notice regarding an unsubstantiated claim. As the rightful note holder and XXXX XXXX holder of XXXX XXXX XXXX, the life claimant, I assert that the vehicle in question has been fully paid for and purchased on credit. 

XXXX XXXX  actions are a deliberate infringement upon my consumer rights. I demand that they rectify the inaccuracies in consumer reports and cease all media communications and collections until the conclusion of the ongoing litigation. Your cooperation in this matter is appreciated.
Product: Money transfer, virtual currency, or money service

I need a way to access my account. This company started apparently requiring a mobile phone to do that when they never did before. I do not have a mobile phone and I need some way to access my account. Preferable would be to put this un-American bad company out of business..
Product: Student loan

I have been making on time payments consistently for a few years now. Originally my interest rate on the loan was XXXX, It was originally taken out from Sallie Mae in the XXXX timeframe was {$12000.00}. 

Unfortunately I wasn't able to pay it for several years I fell within the requirements for the previous settlement save for this mysterious payment that showed up within my 'history ' on XX/XX/XXXX that I never paid, or at the very least I don't remember ever paying. without that payment in there I went 9 months consecutively without paying until I went into bankruptcy. 

When I got out of bankruptcy, my loan had ballooned to {$30000.00} and now my interest rate was a little over XXXX. I consistently made payments until I needed a small forbearance but when it was over I went back to consistent payments ... my interest rate went down to XXXX. I continued to make payments until I needed to do one more small forbearance and then when I got out I continued to make payments at a higher payment to cover what the forbearance cost me. 

In XXXX, when I made my first payment, 2 more capitilized interests were added just before making me required to pay back {$30000.00} and from that point on I have made on time payments ranging from $ XXXX to $ XXXX and as of XXXX XXXX of XXXX my loan is now down to {$23000.00}. 

XX/XX/XXXX, I was sent a letter explaining that a change in my loan terms happened, my interest rate was raise to XXXX and now my payment is XXXX up from the XXXX I was paying. 

It's as if the further I pay this down the higher my interest rate goes which is mind boggling to me. I snuck in a 'payment ' in my history to get out of erasing this loan and are only making it harder on me to pay by raising the interest rate for no reason. 

the letter I got from XX/XX/XXXX explained that after I make these new payments until XX/XX/XXXX I will have made $ XXXX which is far more than what I owed originally. Navient 's criminal behavior needs to stop!
Product: Mortgage

I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Now they have locked me out of my own house! They have a sale schedule on the XXXX of XXXX and I ca n't enter my own house or get my personal belongings! This is illegal! XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX ( XXXX. as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! XXXX
Product: Credit reporting or other personal consumer reports

This afternoon, I was stunned to discover errors on my credit report, and I dont understand how they got there. I tried refreshing my browser to see if it might correct itself, but nothing changed. This has left me feeling unsettled, and Im asking for a full review of my documents to finally put this behind me and not have to worry about this in the future.
Product: Prepaid card

I have several gift cards attached to my XXXX  and my account has been locked. I reached out to support but they haven't been able to fix the issue, for 2 weeks now. My XXXX can still access their account fine, it's an account specific problem. I can't use any of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Mortgage

Newrez states that the law mandates the escrow of flood insurance. 

I don't understand that claim. If I pay the flood insurance and Newrez never gets an invoice, what gives them the right to my money hold it and use it to invest and make profit on MY money and keep it for themselves.

I researched the law that was cited in the letter. I found an exemption that I believe I qualify for and sent it to Newrez. I have not heard back from Newrez. Nothing has changed in my payment. I believe Newrez is ignoring the exception I found in the law in order to hold my funds. 

The BiggertWaters Flood Insurance Reform Act intention is to protect the lender 's investment by providing a vehicle to assure a property, used as collateral, is protected. 

When a borrower pays the FLOOD INSURANCE, Newrez does not receive an invoice, which would be like Newrez receiving an invoice for {$0.00}. An escrow for {$0.00} would be {$0.00}. However, Newrez appears to be abusing the intention of the law by picking and choosing excerpts of the act and OVER-ESTIMATING the next year 's flood insurance, thus manipulating the BiggertWaters Flood Insurance Reform Act in order to use the borrower 's money to invest and profit from it. Newrez can reap profits and keep it all to themselves. 

MY policy is a XXXX Direct policy that meets 339.5 2.iii.A. I am the exception. 
NEWrez should not be taking out escrow for my flood insurance. 

The following is " escrow requirement '' : 339.5 Escrow requirement. 
( a ) In general - ( 1 ) Applicability. Except as provided in paragraphs ( a ) ( 2 ) or ( c ) of this section, an FDIC-supervised institution, or a servicer acting on its behalf, shall require the escrow of all premiums and fees for any flood insurance required under 339.3 ( a ) for any designated loan secured by residential improved real estate or a mobile home that is made, increased, extended, or renewed on or after XX/XX/2016, payable with the same frequency as payments on the designated loan are required to be made for the duration of the loan. 

( 2 ) Exceptions. Paragraph ( a ) ( 1 ) of this section does not apply if : ( i ) The loan is an extension of credit primarily for business, commercial, or agricultural purposes ; ( ii ) The loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile home for which the borrower has obtained flood insurance coverage that meets the requirements of 339.3 ( a ) ; ( iii ) Flood insurance coverage for the residential improved real estate or mobile home is provided by a policy that : ( A ) Meets the requirements of 339.3 ( a ) ; ( B ) Is provided by a condominium association, cooperative, homeowners association, or other applicable group ; and ( C ) The premium for which is paid by the condominium association, cooperative, homeowners association, or other applicable group as a common expense ; ( iv ) The loan is a home equity line of credit ;
Product: Student loan

The first loan date was XX/XX/XXXX. The last loan date was XX/XX/XXXX. Total amount of loans = {$81000.00}. 
I believe I have been cheated by either the Dept. of Education or Navient ( Loan Servicer ). I was lead to believe that my Student Loans to XXXX College ( a XXXX School ) would be completely forgiven due to the school being closed for cheating. After consolidating my loans so that they could be forgiven, only about 30 % of my loans were discharged, leaving me with a balance due of {$56000.00}, which I can not pay. I suspect that either Navient did not credit me for the full amount discharged, or that XXXX XXXX, the new Head of the Department of Education, has had an impact on the amount of forgiveness allowed. I do not trust either institution. I have lots of documentation justifying my expectations and what was actually delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to 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 of 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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams, The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

Recovery One - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX XXXX  XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Product: Debt collection

I reached out to the company assigned in the XXXX XXXX XXXX to the receivership noted on the court filings and the receivership responded by stating their law firm has no record of my my case. I feel like the plantiff is makling a false statement. Furthermore, I have provided the 3rd party debt collector with my bankruptcy XXXX  XXXX contact information and request they cease contact with me but they continue to send me legal filings. My attorney is no where to be found and have been thrown to the wolves to spend every waking hour researching law to defend myself. 

Please help me ... .... 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX CARD # XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, has violated my rights. 

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
Product: Mortgage

U have questions concerning g such issues as insurance. I need a copy of any contract i signed with wells Fargo bank to answer my questions. Please send me a copy of any contract i signed with wells Fargo ban k ASAP
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Consumer Center, I am writing in response to your communication dated XX/XX/scrub>XXXX  regarding your attempt to reach me via email to obtain additional identifiers for the investigation related to my LexisNexis Consumer Disclosure Report ( LNCDR ). I apologize for the delay in providing the requested documentation.

As requested, I am enclosing the following : 1. A clear copy of my government-issued identification.

2. A recent utility bill dated within the last 60 days as proof of my current address.

Please use this information to complete your investigation and provide me with the results, along with a copy of my updated LexisNexis Consumer Disclosure Report.

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Proof of Address
Product: Credit reporting

Most of the things were disputed but not all of them. They are all medical bills when my identity was stolen.
Product: Credit reporting or other personal consumer reports

I did not apply to these companies below : Equifax Inquiries XX/XX/XXXX & XXXX XXXX XXXX Inquiry XX/XX/2022 XXXXXXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting

Ageny will not permit me, as a paying customer of theirs, to utilize the online dispute process for which I am paying a premium to use. 

" Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone. ''
Product: Credit reporting or other personal consumer reports

I am contacting you today to inform you that I have become a victim of identity theft. This correspondence serves as a formal dispute regarding the following accounts. I have followed the instructions provided by the respective companies and have personally reached out to each of them to take the required actions to rectify this situation. Additionally, I have filed an identity theft report with the FTC and have commenced the dispute process with the companies involved. Your assistance in resolving this matter would be greatly appreciated. 
Please expedite the removal of these items. I appreciate your attention to this matter. I regret any frustration conveyed in my communication. These oversights are causing significant financial inconvenience for me. 

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