23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is a follow-up complaint to my original complaint # XXXX. My attorney had to send another letter to Barclay. On XX/XX/2020 Barclay responded to my attorney, Ms. XXXX ( only after filing a complaint with you ). My attorney had originally wrote to Barclay back in XX/XX/2020 with no response. In Barclay 's XX/XX/XXXX letter to Ms. XXXX a letter addressed to me ( XXXX XXXX ) dated XX/XX/2020 was enclosed. This letter references attachments, which were not provided to Ms. XXXX. Overall, I NEVER received this letter from Barclay. So, we are still at square one. We do not have any documentation / proof of what the original loan agreement says, how much has been paid toward the loan, where Barclay comes up with the interest. And even though they offer to remove the interest and add a {$100.00} goodwill statement to my account, I never officially received a letter from them and I do not believe they credited the most recent payment I had made in XXXX.
Product: Mortgage

I applied for a mortgage with Loan Depot in XX/XX/XXXX and after working with them for six months, they finally declined me in XX/XX/XXXX. Loan Depot did not treat me fairly, did not use appropriate underwriting methodology, and failed to include all of the verifiable income that my wife and I make. In addition to the unfair underwriting practices, I was also left in the dark about my approval for a very long time. I have evidence that they decline me on XX/XX/XXXX, but I did not receive the decline letter until XX/XX/XXXX ( I have the postmarked envelope ). The Lender wasted the time of my tenants, my wife, and tax accountant, and myself through 120 hours of communication for underwriting, prepping for the appraisal ( which they ordered and completed ), and preparation for multiple stages of the loan. Lastly, they also discriminated against my wife and I due to my wife 's line of work and the disparaging comments the Loan Officer ( XXXX XXXX ) made to me in which he at one point said " do you know who you're dealing with '' while on the phone with me and was threatening. I wrote various statements of explanation to them, provided numerous reports of income, but they did not reflect all my income and refused to use the correct income for my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 XXXX XXXX XXXX ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$8400.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX Bank ran a hard credit inquiry on my Equifax account because someone fraudulently tried to open a XXXX 's credit card using my SSN and DOB. The credit application was never approved by XXXX because the fraudulent party trying to open the account did not have my correct address. I have contacted XXXX multiple times since XX/XX/year> to request they remove the hard inquiry from my Equifax account, and every single time XXXX has informed me that they have made multiple communications to Equifax telling them to remove the hard inquiry since I never attempted to open an account with XXXX 's XXXX Despite multiple communications from XXXX and from me regarding this matter, Equifax refuses to remove the hard inquiry from my account. It is adversely affecting my credit score, and Equifax is well aware this was a fraudulent hard inquiry and not the result of any credit application that I submitted. I want this hard inquiry removed from my Equifax account and am pursuing all means to force Equifax to do so.
Product: Checking or savings account

i tried to open a checking account at XXXX and aslo XXXX XXXX  and they said no its was some fraud going on with chexsystems please have what ever remove so i can open up my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that a new contract unilaterally was created in private by Experian and XXXX XXXX because no one else has this alleged debt reported. XXXX and XXXX does not show this debt rathe shows no history since XX/XX/ for the debt was discharged and took note to the 1099c debt discharge document filed with the US Treasury IRS. 

The private property automobile was paid in full on or about XX/XX/. 3-603. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
So please provide to me how you are the only one [ 1 ] out of three credit reporting agencies reporting this as a debt allegedly and where are you getting this information or lawful facts as evidence as you state?

Also the identity of the claimant herein known as the owner and controller of said property has been leaked. As well reported to the State of Michigan, S.E.C., F.T.C. and other State Departments. 

Please note, Experian is the only reporting factor of this matter fraudulently for XXXX and XXXX show no report of this transaction at all. 

After payment was received be it rejected or not based upon law there is discharge and there is no fees or interest thereafter. 

According to the law 18 USCode 878 the reporting agency is attempting to extort the claimant by sending letters asking her to stop sending the claims to the CFPB but send it directly to them, as when she did this past XX/XX/ they claimed they did not know who she was and did not provide identification information! 

Experian also false claims on or about the debt being discharged or sold to a third party whereas the claimant has not given permission for XXXX nor Experian to use misuse or sell trade or give off her private information.
Product: Vehicle loan or lease

Last month XX/XX/2023 I attempted to make the payment. I was told I needed proof of insurance which I provided. They refused the payment even though it was on time and car is current. 
XX/XX/2023 XXXX I am trying to make my monthly payment and they refused it. Simple. I just want to make my payments. 
This affects my credit. When I call they are rude and disrespectful towards me. Im cursed at etc.

After some research this appears to be a common theme. This is not ok. 
I am told my car is already submitted for repossession. 
The bank is A-L Financial.
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 CFBP lawsuit highlighting significant issuers 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 tracking these transactions were unfeasible. The CFBP findings indicate that Zelle had not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I have an Affidavit of notice of right to rescind for an XXXX XXXX XXXX. I have attached the documents and proof of fraudulent activities.
Product: Student loan

Hello, The MOHELA Payment Calculator has been down for over XXXX weeks now causing me to be unable to pay off any of my loans. I want to pay off the entirety of XXXX of my student loans, however, I am completely unable to due to MOHELA 's " under maintenance '' Payment Calculator being required to be used to do a loan payoff. 

I have tried to contact customer service on Monday, XX/XX/23 and Wednesday, XX/XX/23, however, wait times are extreme ( over XXXX hours ) and I have never received a callback despite asking the automated service to have a customer service agent call back. 

I have looked elsewhere online ( XXXX, XXXX, etc ) and many other borrowers have the same issue. I have interest accruing on a loan I want to payoff because MOHELA 's systems are down, which is frustrating, doubly so that MOHELA has provided no timeline as to when this will be fixed and I am unable to get in touch with customer service. 

Thank you for your assistance is resolving this issue.
Product: Debt or credit management

Both accounts are closed and i cant do anything like buy a car or get a home because of it
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I lack any insight into this issue, and the company proceeded without obtaining my consent.
Product: Checking or savings account

I received a fraud alert from Simmons bank via text. 2 minutes later I responded advising the transaction was not authorized via their automated system. As I used an automated system, I received the message that my debit card was cancelled. I immediately called to say I did not authorize the transaction but I wanted to keep my debit card as I have had the same debit card for 7 years ( before Simmons bank took over ) the agent advised the debit card had to be canceled as my number was compromised. The next day I went to the bank and got a new debit card. The next day, the fraudulent transaction was pending in my bank account! I immediately called the fraud hotline and was advised, I had to file a dispute and the funds would be held for 7-10 days!! I advised the transaction should have been rejected when my card was cancelled. I requested a supervisor, I was on hold for 15-20 minutes, the XXXX  supervisor ( XXXX  or XXXX  ) came on the line and advised me, I had to wait until the transaction posted and then file a dispute. This is wrong, this bank allowEd someone on a website to use my debit card information to make a purchase, SIMMONS BANK was immediately notified the transaction was not authorized due to the fraud alert they sent me ( they knew it was a fraudulent activity because they notified me ) this transaction should have been rejected!!!! Period!!! They cancelled my card but didnt cancel the transaction!!! Instead they are holding my funds and requiring me to file a dispute. What kind of bank is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing violations by Equifax misreporting information. I never been notified by mail account closed and its inaccurate. Also XXXX XXXX XXXX account I do not have a contract with. I was never given anything proven debts validated which is required by law. I am enforcing my rights 15 USC 1681.
Product: Credit card or prepaid card

The last three days ( XX/XX/22 - XX/XX/22 ) Ive been trying to log in to Comenity to pay my credit card bill for {$36.00} dollars by XXXX p.m. on XX/XX/22 or pay a {$41.00} dollar late fee if I dont but they keep telling me the system is down. Doing it over the phone also yields the same result. The company has issued a system wide maintenance problem and many customers cant pay ( as per their XXXX post highlighting this ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has let an aged bogus medical collection stay on my report as a new collection account and isnt even listing it as Medical.
Product: Debt collection

I am writing to file a formal complaint against First Credit Services for violating the Fair Debt Collections Practices Act ( FDCPA ). On XXXX XXXX, I disputed the amount of {$260.00}, which appeared on my XXXX Credit Report. Despite my dispute, First Credit Services failed to provide validation of the debt as required by the FDCPA. As of the date of this complaint, the collection account is still reporting negatively on my credit report, causing significant damage to my credit score and financial well-being. I believe this action by First Credit Services is in direct violation of my rights under FDCPA. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against First Credit Services to ensure they comply with FDCPA and remove the negative reporting from my credit file. Thank you for the attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a computer glitch that was Transunion 's problem and not mine, that caused 5 out of 7 of my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they illegally re-added. On XXXX XXXX, XXXX at XXXX eastern time, I spoke with a supervisor by the name of XXXX who I explained the situation to and even though he was understanding and apologetic, he told me that even though there was a glitch he would not be able to remove them. These inquiries add a hardship and my rights were violated by Transunion. I would like CFPB help in making Transunion stop victimizing me. As a resolution, I would like all of my Transunion inquiries except be deleted permanently from my report as a violation took place when they were illegally re-added. Of those 7 inquiries, the only two that shall remain is XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
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. 
XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : 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 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 or prepaid card

The capital one platinium credit card has not disbursed the money that the XXXX merchant already paid for the amount of XXXX and they charged me that credit amount twice. Capital one is supposed to give me back XXXX and they are charging me that fraudulent money I have evidence
Product: Credit card or prepaid card

WHERE'S MY CHECK???? CUSTOMER SERVICE XXXX!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

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
Product: Credit card or prepaid card

My Thank You Visa gift card expired XX/XX/2019 before I used any of the $ XXXX balance. 
I'm unable to reach an actual person at Myprepaidcenter.com & I'm being charged a monthly fee of {$3.00} leaving me with a balance of {$68.00} & no way to use the card.
Product: Credit card

I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. 
PayPal Balance {$0.00} ( available ) Pay Pal Credit {$530.00} ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. 
( underneath this line, in a font size XXXX times smaller than the previous lines was : {$120.00} balance due ( which I did n't see until the P-P representative helped me get there ) Today I received a telephone call from a P-P representative telling me that I had not made a payment in two months. I immediately went to the web page, which required the help of the representative to tell me how to get where I needed to in order to find my balance and make a payment. When I got to the page I told her that it said {$0.00} balance. ( which is why I had not made a payment ) She then instructed me further to find the correct place on the website where I would find the correct location of the account balance and make a payment. I take complete responsibility for any original balance that I owe. I attempted to explain that the website was not easy to navigate, especially having never used P-P before this, and that I asked them to waive the late fees, which at this point were {$95.00}. ( the account balance after my last payment in XXXX 2015 was under {$10.00} ) I asked them to check my payment history to see that I had been making regular payments, they refused. After speaking to XXXX different representatives and a supervisor they refused to waive all of the late fees and wanted payment of {$120.00}. I attempted again to negotiate with them but they would not waive the total late fees of {$95.00} I have not had a late payment or not made a payment on that account while it was with P-P to that point. 
I have told them that I will pay the original balance I owe and wanted to close the account. They refused both. I had not heard from anyone at P-P prior to today ( XX/XX/2015 ).
Product: Checking or savings account

I reported this incident back on the XX/XX/XXXX and nothing has been done and here is XX/XX/XXXX and I am still waiting on a resolution. I am so far behind on my bills because I I am in the negative and nothing seems to be getting done. My husband 's Tax return check is frozen and we have no money to keep going
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported incorrect addresses, spelling of my name and phone number. I have reached out to Experian via phone and mail with no updating. I need the following deleted : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, XXXX, IL. XXXX Please delete phone number XXXX. This is not my phone number. Update phone number to XXXX. 

Please correct the spelling of my name. My full name is XXXX XXXX XXXX. Please delete XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX  and charge off years XXXX