23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Prior to applying for PSLF, my loans were serviced by XXXX XXXX. On XX/XX/XXXX, my loans were transferred to MOHELA as a result of my PSLF application. On XX/XX/XXXX, MOHELA informed me by way of letter that my application for the PSLF waiver was approved, and that my loans had been forgiven. 

During the course of my repayment, I made XXXX payments. The total refund I received is {$22000.00}. {$22000.00} / {$450.00} ( my monthly loan payment amount ) = XXXX. Mohela is not reconciling my payment history correctly. I am owed XXXX payments as a function of basic math. My repeated requests for a refund of the remaining XXXX payments has gone unanswered as well as support for how Mohela determined I only made XXXX payments towards my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me.
Product: Money transfer, virtual currency, or money service

I hired a landscaper to install a new landscape. He informed me he was licensed. He tore out my existing landscape. He requested {$1000.00}. A few days later he requested {$2200.00} to purchase materials. He made several excuses why the material wasnt delivered as promised. The material was never delivered nor did I ever hear back from him again. I filed a police report. I also contacted Wells Fargo Bank and reported the 2 XXXX transfers as fraud. They denied my claim several times. They also attempted to withdraw the funds from his account only once with no success.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that reported in my credit report. You responded by saying that Trans Union has completed its investigation, including contacting the furnisher of the information, where applicable. " On XX/XX/2023 ( please listen to recording w/your company ) I was told by two of your representatives in Fraud Department when asked why I have not received anything in writing showing validation of documentation with signature and date signed both reps who clearly stated to me that Trans Union would only use computer system to verify information and they DO NOT speak with creditor or collection company to validate anything in writing. So, I find it funny that you claim to verify all the accounts I disputed listed below when again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 1. XXXX XXXX  ( Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent account be deleted and blocked from my credit file. 2. BANKRUPTCY ( XXXX could not verify so how is it you verified ) XXXX. XXXX XXXX. XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I want verification on all accounts listed showing documentation you claim to have. I want a response within 15 days of receipt of this dispute. I expected and updated report to be sent to me.
Product: Checking or savings account

I have complained before about Ally Bank. They have falsely sent my information to XXXX in retaliation for a complaint
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( XXXX. XXXX XXXX, XXXX VA XXXX ) sent me a payoff statement as well as a transaction report of assessments, late fees, and payments made for individuals who are not me. I alerted Langenberg and asked why this was being sent to me and if any of my personal information had been released to any uninterested third parties. 

Their only response was to send me the statement and transaction report under my name with my information. They did not address if my personal information had been released to anyone else. 

On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( see above for address ) sent an email telling me a payment arrangement with my HOA had been declined because I had not made any good faith payments ( a complete falsehood given the Langenberg firm had received a payment and such payment had been cashed weeks earlier ). And again they sent me the personal information of an unintersted and unrelated third party. 

I believe their actions are a violation of Section 805 of the Fair Debt Collection Practices Act. 

They have still not responded to my request as to whether my personal information has been released through their negligence to a third party, so I can only assume it has. 

I am asking for damages in the amount of {$500.00} per occurrence for a total of {$1000.00} given their negligence, sloppiness, the fact they won't answer my simple questions, and that consumer privacy has been violated.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON TWO OCCASION I REQUESTED MY CONSUMER FILE DISCLOSURES FROM LEXIS NEXIS. THE SECOND REQUEST WAS AS RECENT AS XXXX XXXX 2024. 
I USE THE COMPANY OWN OWN REQUEST SYSTEM SUPPLYING ALL MY IDENTIFIABLE PERSONAL INFORMATION, AND LEXIS NEXIS RESPONSE TO THE SUBMISSION WAS BY MAIL SAYNG TO SUMMITT MY INFORMATION USING THEIR SYSTEM SUPPLYING THE REQUESTED INFORMATION. LEXIS NEXIS IS ENGAGING IN A STALLING TACTIC TO KEEP ME FROM ACCESSING AND KNOWING WHATS ON MY CONSUMER FILE. THIS IS BEING DONE TO PROHIBIT ME FROM DISPUTING ALL THE INACCURATE INFORMATION THAT IS LOCATED ON IT. THIS IS A COMPLETE. DENYING ME ACCESS TO MY CONSUMER DISCLOSURE IS A VIOLATION OF THE FCRA, AND IF NEED BE I WILL ESCALATE THIS TO A LEGAL VENUE IF ACCESS TO MY REPORT IS NOT HONORED. THIS REQUEST IS BEING MADE THROUGH MY VERIFIED CFPB PORTAL SO THE IDENTIFICATION HAS BEEN IDENTIFIED AS BELONGING TO ME THE NAMED CONSUMER IN THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card or prepaid card

I have used a " platinum rewards '' credit card ( Visa ) from Penfed Credit Union for 15 to 20 years ; its reward program has been based on points earned on purchases with credits based upon type of merchant 's business, i.e. 3 % of groceries, 5 % of gasoline, 1 % of all other purchases. Receipt of rewards in the form of prepaid debit cards had been obtained usually with a telly call to an XXXX number. Lately the telly # has been removed from the monthly statements sent to me and can now be accessed only by calling the general access customer service line and only after going through an elaborate security scheme will the telly # to the awards department be offered XXXX XXXX XXXX XXXX ). The last 2 times I called XXXX the 1st about 4 weeks ago, the latest XXXX XX/XX/2012 ) I was told that the personnel in the awards dept. were busy and would return my call " the next business day '' or " in 3 hours. '' No return call was received in either case. I believe my total points earned is over 11,000 and should be worth about {$100.00}. If Penfed has changed policies re their awards program no notice of any kind re such changes were ever sent me. My account has always been paid timely. I request that the CFPB investigate this matter and see that Penfed Credit Union honors its reward program as advertised.
Product: Debt collection

This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX  and XXXX  but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.
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 vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 


They just told me i couldnt use Zelle cause of fraud. They didnt give me anymore information about it. They told me they couldnt tell me anything else. I have never fraud Zelle!
Product: Checking or savings account

I entered an online bill payment using my USAA checking account. The check cleared but the payee said they did not receive the funds. I contacted USAA and I have spent several HOURS on 4 different calls trying to get help. Their first resolution was to put a stop payment, but I explained the check had already cleared my account ( the lack of training of USAA personnel is appalling ). Finally I got someone to file a dispute form on XX/XX/27, and was told I would be notified within 3-5 days. On the 6th day, I called to try and find out what the status of my dispute was, and I was told that I was " min-informed '' ; that it would be 10 days ( even though my 1st call to USAA was on XX/XX/XXXX ) - apparently nothing was done as a result of that 2.5 hour call. This should be a simple process of returning the check as a late return for forged endorsement to XXXX ( it is clearly stamped on the back of my cleared check ) and then crediting my account with the stolen funds.
Product: Checking or savings account

On XX/XX/2023 I submitted the following complaint. The complaint # is XXXX and I do not agree with the bank 's response. 

Dear Sir/Madam, I am writing to formally file a complaint against Chase Bank due to their mishandling and neglect in a case of fraud concerning my bank account. 

On my recent trip to Louisiana, I was the victim of a fraudulent transaction that accessed my bank account without my knowledge or authorization. What's more distressing is that Chase Bank, despite evident security issues, failed to take necessary protective actions to secure my account and is now refusing to acknowledge their lack of security and take responsibility. 

To elucidate, on XX/XX/2023, I had a conversation with a representative from Chase Bank regarding the unauthorized transaction of {$3700.00} that took place on XX/XX/2023. The representative confirmed to me that the PIN associated with my account was incorrectly entered on the first attempt of the said transaction. The perpetrator succeeded in the subsequent attempt. I inquired as to why my card wasnt locked or flagged, considering the wrong PIN entry and the unusual nature of such a transaction for my account. The representative had no satisfactory response, only mentioning that the issue had been escalated to his superiors. 

It's alarming to think that such a large transaction, which is atypical for my account, combined with an incorrect PIN entry, didn't trigger any security protocols at Chase Bank. It raises serious concerns about the bank 's commitment to protecting its customers ' funds and personal information. 

Furthermore, Chase Bank did not request a police report when I first reported the fraud. Even after escalating the matter, the executive office neither asked for the police report nor inquired about any detailed specifics regarding the fraudulent transaction. 

It is disheartening to be in a situation where, as a loyal customer, I feel let down by a financial institution that I entrusted with my funds. I request the CFPB to intervene in this matter, not just for the recovery of my funds but also to ensure that such security lapses do not affect other customers in the future. 

Thank you for your attention to this serious matter. I am hopeful for a prompt and just resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX  Account Name XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This is now the 3rd complaint submission to the CFPB about the same problem, as Bank of America continues to " lose '' faxes and continuously tell me wrong information that keeps me running in circles. As of XX/XX/2016 my father passed away ( XXXX XXXX ). The home I live in was under mortgage with BOA and my father was the borrower. I am the sole beneficiary on the deed. My father XXXX   unexpectedly. I, soon after his XXXX contacted BOA about taking over the mortgage. Since that original call, I have applied for modifications ( under the suggestion of BOA reps ) multiple times. Some have been " lost '' and some were just denied. A rep from the qualified assumptions department stated all he needed was an " affidavit of death '' I did that. It led nowhere. I then submitted information to the " title change department '' they then had me apply for a modification, that was subsequently denied. XXXX XXXX of BOA had me then fill out a qualified assumptions package. I checked with her several days later. She stated it was " lost '' She said she would call me the following Friday, XX/XX/XXXX. She never called, and every time I tried to contact her BOA message stated " your customer service rep is not available ''. I then submitted my 2nd complaint to the CFPB. I received a call from " XXXX '' in regulatory complaints. He stated assumptions are done all the time with no problem and all I needed to do was send in a letter with the deed to become successor in interest to this department " noe-rfi ''. The address XXXX gave me came up undeliverable by the USPS. I called him back to double check the address. He never returned my call. The letter was sent with tracking and signature required. The letter was never picked up. I have included a recent document from BOA, that clearly states I am eligible to APPLY for an assumption but to be approved would be based off of a credit report and the " ability to repay ''. This letter DIRECTLY contradicts everything the CFPB has clarified regarding heir 's taking over a mortgage when a borrower dies. The CFPB directly states in those circumstances the heir should not be made to jump through unnecessary hoops and also should not trigger the " ability to repay '' rule. I wish to remain in my home, I wish to assume the mortgage but with BOA constantly telling me the wrong information and losing my faxes, I continue to get nowhere. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unfair and Punitive Practices by XXXX Dear [ Consumer Protection Bureau ], I am writing to file a formal complaint against XXXX, the finance company for XXXX, for engaging in practices that have caused significant and ongoing harm to my credit and financial standing. These actions appear to be punitive, unfair, and potentially in violation of consumer auto loan laws. 

In XX/XX/year>, XXXX charged off my auto loan and repossessed the vehicle. Despite declaring the loan as a charge-off, they have continued to report the payments as late, which has severely defamed my credit profile and caused my credit score to plummet. This reporting has persisted for over three years, effectively destroying my ability to secure new financing. 

The following issues highlight the unfairness of XXXX actions : Improper Reporting of Late Payments Post-Charge-Off : After charging off the loan, XXXX continues to report payments as late, even though the debt was declared a charge-off. This practice is punitive and misleading, as a charge-off typically signifies that the creditor has written off the debt as uncollectible. 
Repossession of the Vehicle : XXXX  repossessed the vehicle, further indicating that the debt was no longer active. Despite this, they continue to report late payments, compounding the harm to my credit. 
Corporate Credit Write-Off : XXXX likely obtained a corporate credit write-off for the charged-off loan, yet they continue to penalize me by reporting late payments, creating a scenario of triple jeopardy. 
Prolonged Damage to Creditworthiness : For over three years, XXXX  actions have unjustly destroyed my credit score, making it nearly impossible for me to obtain new financing or rebuild my financial stability. 
These practices appear to violate principles of fairness and transparency in consumer lending and credit reporting. Additionally, they may conflict with regulations governing the proper handling of charged-off debts, repossessions, and credit reporting.

I respectfully request that the Consumer Protection Bureau investigate XXXX practices and take appropriate action to ensure compliance with consumer protection laws. I also request that XXXX be required to cease reporting late payments on the charged-off loan, correct my credit report, and provide restitution for the financial harm caused by their actions. 

Thank you for your attention to this matter. Please feel free to contact me at [ your contact information ] if additional information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I received a copy of my credit report from TransUnion, XXXX and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to TransUnion, XXXX and XXXX on XX/XX/ asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XXXX  at XXXX. TransUnion received my letter on XXXX  at XXXX. XXXX received my letter on XXXX  at XXXX. I received letters back from XXXX and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from Transunion. I received a new copy of my credit report from TransUnion, XXXX and XXXX on XX/XX/. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/ I submitted a complaint to the CFPB about the inaccuracies. XXXX Complaint ID is XXXX XXXX  Complaint ID is XXXX Transunion Complaint ID is XXXX. XXXX Responded on XXXX XXXX Responded on XXXX XXXXransunion Responded on On XX/XX/ I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX Account Number : XXXX or XXXX, payment history is inaccurate!