23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX17 I had an accident. XXXX the other party ins. On XX/XX/XXXX17 I received a bill from Recovery Partners LLC Collection Agency " Payment Demand '' for {$980.00}. Apparently XXXX XXXX sent me to collections & now the collections has been calling me & in 1 month has clld 3 times. 1 )  XXXX never advised me that I owe this money. 2 ) I called XXXX on XXXX17 & left msg for supervisor & on X/XX/17 I clld back & XXXX XXXX XXXX Supervisor & asked her if they paid {$980.00} for repairs to their customer? She said no. If the company has not paid money & they are not out of any cash out. Can XXXX " or a Company " send me to collections? If no money is paid out how can they send me to collections? What are my rights?
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have the responsibility to report Consumer information to the best of their ability and with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please investigate and provide bank account statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on a timely basis as they should be as I have NEVER been late.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Thanks
Product: Credit reporting or other personal consumer reports

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 Account # XXXX in the XXXX {$2400.00}. XXXX Account # XXXX in the XXXX {$6900.00}. XXXX Account # XXXX in the XXXX $ {$3800.00}. XXXX Account # XXXX in the XXXX {$1300.00}. Aidvantage and XXXX Has violated my rights. When attending XXXX university I was not notified at the time they there were going out of business in XXXX Ohio. I took a break due to physical XXXX issues and then XXXX XXXX happened and I wanted to return to college to find out the school went out of business. The debt since is almost XXXX XXXX XXXX. So I spoke with XXXX which has now turned over my debt to XXXX XXXX and both parties that I spoke to told me the loan would be discharged under the debt forgiveness program as a closed college situation and also the 10 year length of time the account has been open. I feel they are purposely trying to hurt my well being and I want this taken care of please. 
15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the inaccurate and harmful account information associated with XXXX XXXX Account Number XXXX XXXXXXXX ) ** that continues to appear on my credit report. Despite previous attempts to resolve this matter, you have failed to correct these inaccuracies, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

What I have done to resolve the issue : I have called Selenes Customer service monthly since XXXX of 2023. This is the only way they have available for contact. They do not have a email. I have sent a couple of letters but I have not heard from anyone. 

XXXX received my house payment for XXXX, XXXX, and XX/XX/2023 and then they Reversed the payment to make it seem that I was late in paying my mortgage which resulted in XXXX in late fees. I have documentation from my credit union showing no return amount to my account. 

I have always used auto pay with XXXX. In the third quarter of 2023 XXXX updated their website and they kicked out my auto payment of XXXX for XX/XX/2023. Not realizing this until XX/XX/2023 I made XXXX payments on XX/XX/2023. XXXX for XXXX and XXXX for XX/XX/2023. XXXX customer service said they would take the late fee of XXXX off my account. Since this time XXXX is still saying I did not pay the XX/XX/2023 payment and has been charging me late fees and showing I am late on my credit report. I have never been able to set up my auto pay through them so now XXXX auto pay through my credit union. 

XXXX is showing me in bankruptcy. I am not in bankruptcy. I have asked them to remove that from my account. They say they will but have never done so. 

XXXX sent a letter stating that I could cancel my PMI since I owed less money on my house. I called and asked them to remove it. They said they would and then I received a letter stating I could not cancel the PMI because I am late on my payments. I am not late on my payments.
Product: Student loan

I am a member of the XXXX XXXX  XXXX settlement class. Per this settlement, Mohela, my federal student loan manager, must discharge the qualifying loans and fully refund me by XX/XX/scrub>XXXX XXXX XXXX. They have been unable to meet this deadline. 

Mohela has been unable or unwilling to commit to a financial total or a timeline in this process. While I appreciate their request for patience, this is a bank that has failed to meet a settlement deadline. The outstanding total to me is approximately {$55000.00}. 

I have made multiple attempts at recourse throughout the settlement period with Mohela. Including multiple hours of hold times and multi-day waits to speak to supervisors. While some staff are trying to be genuinely helpful, I frequently interact with staff who are, at best, ignorant and, at worst, dishonest. 

I acknowledge that multiple entities are involved ( Mohela & FSA ). I am also aware of ongoing legal action by XXXX XXXX on Predatory Student Lending. 

There were consequences for delinquency at every step of my student loan repayment journey. These delays are an opportunity cost.
Product: Debt collection

I have been using XXXX XXXX XXXX XXXXXXXX XXXX for my renting room in XXXX, XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The company has sent all the statements through paper and email notification. I moved to XXXX  in early XX/XX/XXXX, and I have transferred the entire utility account to another tenant on XX/XX/XXXX, the account has been closed at same time. I also contacted XXXXXXXX XXXX  XXXX customer service multiple times on XX/XX/XXXX, and all the reps said I have no outstanding balance, and non of them asked me to update my new billing address even I mentioned for moving out. Since I always used online service for make payment and check billing statements, I went back to XXXX without any concerns on my closed utility account. 
Until yesterday night, I've received a credit alert from XXXX XXXX bank, indicated there's a XXXX points decreased from XXXX, and I saw XXXX XXXX XXXX and collection company 's name on my XXXX credit report. I spent couple of hours to contact XXXXXXXX XXXX XXXX and collection company about that last statement which is only {$100.00} dollars. I was so frustrated and helpless after I saw XXXX points dropped on my credit report, and XXXX XXXX XXXX refused to admit this is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX and XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXX  XXXX Balance {$870.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXXXXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.
Product: Credit card or prepaid card

I own a star card, and I am part of the XXXX but I never used it unless waiting for a debit card to come by mail. When I did use it I paid it off as soon as my debit card came in. This occurred initially in ( if I remember right ) XX/XX/XXXX. Precursor : when using a star card while in the military, they will contact your leadership if you miss a payment. 

In this case I went in to pay my bill as soon as I received my debit card in person by going into the local aafes base exchange. I paid the amount and then shredded my card from my wallet. EIGHT months later I received a call from my flight commander saying that I missed a payment. I went in the next day and they told me that I already paid my balance. I talked to my flight commander and he told me to go back. I went back and they said I had a huge bill this time with 8 months of interest. I told them exactly what I said already so they told me that I needed to talk to the company over the phone. They called them for me in the store and gave me the phone. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Although I understand that mistakes happen, I do n't mind paying the interest, but I was still punished on my credit report and they ignored my dispute. This severely hurt my credit since I have never owned a credit card before this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to appear after dispute in credit report XXXX  XXXX XXXX XXXX outdated information.
Product: Vehicle loan or lease

I have an auto loan with Ally financial. In XXXX I paid 2 payments, 1 regular, of {$410.00} on XXXX and 1 extra payment of {$690.00} on XX/XX/year>. ( receipt attached ) I called and spoke with a representative on XX/XX/year> and ask them where the extra payment was applied because it did not reflect on my balance as being paid, I was told it was taken for previous fees I had on my account and finance charges, what was left was allotted to my balance. I explained there should not be a finance charge if i paid the payment a week apart in the same month, also explained I shouldnt have any fees. I asked for a breakdown of where my {$690.00} payment went. I never received a breakdown, I then called back on XX/XX/year>4 and again got no-where so i ask to file a grievance they told me I have to write in through the message app and ask to file one. I did, this is attached also, I then got a call back and voicemail left to return the call. I tried calling on several occasions and did not get a response, so I wrote in again on XX/XX/year>. ( Copy attached ) I then got a call back from XXXX in the executive office. This call was frustrating at least, the woman over talked me every-time i tried to explain my grievance, her only answer was we have 30 days to respond. When I ask to speak with corporate, she said she was the highest person in charge. So that conversation was left with no response other then wait 30 days and hope they call me back. The point is she didn't even listen to what my concern was. If i owe a fee for a past balance or something I don't mind paying it, I wanted proof of the charge and fees, where my payment was applied. If this is the case no late fees, past due or anything showed on my online account so I would have no idea the charges existed. With that I ask for the now late fee they have accessed because my extra payment was for my XXXX payment, I paid it early because Im off work with XXXX. So now my account has assessed a {$200.00} late fee, and they have reported my payment late to my credit bureau. This is not right, I did all I could to pay any extra payment, make sure I was covered etc and have been given very poor treatment by this company.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX XXXX XXXX  until XXXX XXXX XXXX  I fell victim to multi-layered scam operations run by XXXX XXXX, a fake company, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms. 

Bank of America never provided me with a written response, nor did they attempt to comprehend the situation. They just provided me with the response that they cant do anything, completely ignoring the fact that they breach the duty of care, and failed to protect me as their client.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information Center Dear Equifax XXXX XXXX XXXX XXXX XXXX that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
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 tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to explore the system leaving users vulnerable to scams This lack of accountability and transparency is unacceptable
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timing Issue : The payment was made on time, but it was processed late due to a bank processing delay. I have attached a bank statement showing the payment was made before the due date. 

Miscommunication : The payment was marked as late due to a miscommunication between the creditor and the bank. The creditor has acknowledged this error but has not corrected the report with the credit bureau. Attached is a letter from the creditor acknowledging the error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I can not use my card that they sent me TWICE!! When I got my bill it had chares that I could not and did not make, because I can NOT use their card for 3 MONTHS The ONLY charge I made was for {$42.00} on XX/XX/XXXX BUT my bill is for {$180.00} I called the bank, spoke to a rep. XXXX, who told me NOT to pay my XX/XX/XXXX bill, and pay next months bill! " NO INTREST AND NO LATE FEES ''!! I got this months bll WITH A {$25.00} LATE FEE, and {$11.00} INTREST They have charged me INTREST on ALL of my bills for the past year even if I pay on time. YOU have my permission to check!! I hope that you will CITI CARD IS RIPPING PEOPLE OFF!!! I hope thet you post this so other CITI card people will check their bills too!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electornic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and seek appropriate redress for these violations.
Product: Checking or savings account

There were withdrawals made that overdrew my account and caused me to have fees applied because of the order they were submitted when I had money available in the beginning
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account ( XXXX ) impacting my credit XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Product: Debt collection

Approx the end of XX/XX/2015My car had service under a warranty at a dealership in which XXXX XXXX XXXX took the agreement and rented me my loaner vehicle until mine was serviced taking a credit card deposit and my CA DL. Soon after I had received a call from XXXX saying it isnt covered and if I dont turn in the vehicle its being reported as stolen. I returned vehicle and received the bill of {$800.00}. Which in turn was submitted back n forth with no one claiming responsibility and now its been on my credit. I have already exhausted all other methods.
Product: Mortgage

I have applied for a Home Refinance Loan with Quicken Loans/Rocket Mortgage. The Loan officer gave me an initial estimate based on ; first the house facts, my credit score, and home value that they estimated using their model, and when I say " they '' I mean Quicken Loans and the loan officer. Based on the first estimate, I was given a rate and closing cost that I liked and asked to get it locked. In order for me to proceed they requested I pay for a home appraisal which is about {$700.00}. I agreed to pay the fees based on the cost in the initial estimate that me and the loan officer already discussed and agreed upon, however, the appraisal came XXXX thousands lower than the home value that their model/system predicted, and as a result they increased my closing cost, and on the top of that they refuse to refund me the {$700.00} I paid for the appraisal because I don't want to proceed anymore as a result of their bad practice. 

This is just unaccepted practice, and there must be a way to stop gigantic loan companies from ripping people their money off just like that.. 

I have all the documents and the emails that support my claim and happy to provide them upon request. I attached two docs for each estimate, the initial offer and the final after the appraisal. 

Thanks
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report today and found some fraudulent, inaccurate, and incomplete information. I am asking that the CRA 's conduct a reasonable investigation and DELETE the fraudulent and inaccurate information. Please send all methods used to verify any accounts that are not deleted. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX / XXXX )