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

My XXXX XXXX card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Mortgage

Continually get calls from Gateway Mortgage. Asked them several times to stop calling me. Said they got my phone number from the " XXXX XXXX XXXX XXXX  ''
Product: Credit reporting

Debt has not been accurately verified. No contract or signature provided for the following collection account : XXXX
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 yo 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.

Recipient empty account so nothing could be recouped
Product: Credit card

I bought a laptop from Dell in XXXX and they charge my XXXX credit account ( Comenity ) and they did a pending charge on XX/XX/XXXX and and a final charge on XX/XX/XXXX - both for {$2300.00}. A few days shy of 60 days and both of those charges are still on my credit account and they're reporting that overdrawn amount ( since my limit is only {$3500.00} ) to credit bureaus. I contacted the bank ( twice ) and Dell ( twice ) and they could not care less about fixing the pending charge that won't drop off. They immediately point the finger at the other entity and return to picking their own nose. There is no option with either entity to jump past the incompetent front lines to a competent official who can help.
Product: Mortgage

Loan Date XXXX ... ... Delays in application trying to make seller withdraw from my offer. Change my Loan during the process. Second Loan Date ... XX/XX/year> Taking the XXXX XXXX XXXX XXXXXXXX away from in the amount of {$17000.00}. Making it an XXXX XXXXXXXX 3.5 % without the grant from the State of New Jersey. Discriminating against my XXXXXXXX XXXX and my income that I get paid to take care him. Change the loan amount and fees. Confusing me on purpose Yelling and being Rude at times.
Product: Student loan

On XX/XX/year>, a Direct Consolidation Loan Application was submitted for my student loans. The application was for the Saving on a Valuable Education ( SAVE ) Income-Driven ( IDR ) Repayment Plan Type and PSLF. The loans were consolidated and moved from XXXX to MOHELA due to the PSLF request given that at the time MOHELA was serving as the federally authorized PSLF servicer. 

A letter was subsequently received from MOHELA dated XX/XX/year>XXXX  stating that my loans had been consolidated and moved to them under a Standard payment plan. This Standard payment plan that I was placed on by MOHELA was not the IDR SAVE payment plan I had requested and did not meet the IDR standards for PSLF qualifying payment plans, negating the whole reason for the account being moved to MOHELA. 

Upon noticing that the repayment plan was Standard and not SAVE as requested, I called MOHELA to determine why my application was not processed correctly and to determine how to get into the eligible PSLF qualifying plan as I had requested. I was told that they did not receive the IDR application for processing and that I needed to resubmit a new IDR application. 

As directed by MOHELA, I submitted a new IDR application for the SAVE Plan on XX/XX/year>. On that same day, XX/XX/year>, the original SAVE Plan application was closed in the Student Aid portal, which means that they mislead me by saying that they could not see the original application, otherwise they could not have closed out my original application. 

By XXXX, all SAVE Plan applications were put on hold due to litigation. As a result, I have become one of the many student loan borrowers that is in eternal limbo without clear direction on how to resolve the issues that have been caused by no fault of my own. 

When going through the consolidation process, the student aid site ensured borrowers that payment counts would not be reset. But as my account now stands, previous years of IDR payments for over a decade that were made towards the 25 years of payments for the IDR forgiveness milestone have been reset. I have also lost 9+ months and counting of working for a qualifying PSLF employer and not being in a qualifying PSLF repayment plan due to negligence of MOHELA and their delay of processing my application. 

Through no fault of my own, my account has been moved to a servicer that is incompetent, has been misguiding countless borrowers, and placing them into plans incorrectly with no path forward. Because of being incorrectly placed on an ineligible PSLF plan by MOHELA despite my request, and being placed on an extended forbearance pending litigation, I am losing qualifying PSLF payment time with no guidance on how to resolve these issues. 

Please also note that as of XX/XX/year>, MOHELA was removed as the only PSLF servicer. This was 2 days after my consolidation application was submitted. The loans should not have been moved to MOHELA, there were already known issues with MOHELA as a PSLF servicer at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lowe r o  ne.  Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.
Product: Debt collection

On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a XXXX XXXX Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time XXXX XXXX Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the XXXX references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.
Product: Credit card

Today XXXX @ XXXX I made my final pay, emt of {$240.00} to this trifling company Bank Of America on the card ending in XXXX after being told I couldn't pay using my debit card and when I went off on the lady telling her I wasn't giving my routing and acct information because I didn't trust BOA she did her job and said let me check your acct but only after I told her I had proof of them using my debit card before to make payments and she saw that I had and transferred me to someone that was able to take the payment using my dbit card. Theefore, my first complaint I did against BOA I resolved mnyself not the so called good for othing and useless lady XXXX XXXX XXXX ext XXXX that never returns calls she is useless and should be fired as the rest of the ppl I have spoken to at BOA that caused me to file the original complaint about not accepting my payment by debit card when it had been done and I had proof. The reason for this complaint is that i was refused proof by email that I made my final payment of {$240.00} to BOA as my lender asked me to do so. I'm so sick of trifling BOA with all the lies. I was first refused proof by the rep that took my final payment of {$240.00} on XX/XX/23 @ XXXX named XXXX XXXX and I then asked for a Manager and was transferred to a XXXX XXXX in escalations and asked him to email me the proof that I as well as my lender requested and was told he could not provide me proof. I'm glad to be done with this trifling business. All I asked for was a email proving I made my last payment and these idiots act as if I asked for a XXXX from them so childish and ignoarant. I don't trust BOA they are low down dirty dogs. I will neve trust this trifling business again after 30 years they screwed me over and are the ones in the wrong but not even a simple apology just excuses from these XXXX. XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX XXXX Original Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My authorized user account on with XXXX  XXXX was deleted from my account because I disputed a closed XXXX XXXX that I believed was fraud. So they said they deleted it because they thought it was attached to my fraud claim but it wasnt. Then said they cant put it back. Then somehow next day it was put back then deleted again three days later. This account had a low utilization and over XXXX XXXX dollar limit that was helping my credit report.
Product: Student loan

Through my financial institution 's bill pay, I mistakenly sent a Discover Credit Card payment to an old Discover Student Loans account that was paid off. This was made on XX/XX/19, and as of today I still have not received a refund. Discover Student Loans recognized the payment, and stated that someone from their accounting department would be contacting me. I've heard absolutely nothing. They were unable to move the payment to my Discover Card, and now seem unable to refund it back to me.
Product: Checking or savings account

Consumer complaint for CitiBank : I went into the CitiBank brand on XXXX XXXX. XXXX XXXX, to request a stop payment on three checks, including two official checks, and a money order. All three were outstanding, at this point its been two-months. I did the paperwork, and was told theres a 90-day guarantee refund. As long as the stop payment is issued while the checks are outstanding, which occurred. Three checks have a stop payment, and the person who assisted me only have me options on the form, which was to mark lost/or stolen. After sitting with him for over an hour I felt confident. However, a couple weeks later, I realized he gave me no confirmation, or documents on the stop payments. I went back to the branch, he was busy, and I was brushed off by another banker, giving me only one print out at the time. Stating I could use it as the reference, which was the check number. Also she only gave me one print out, and said it  was good for all three stop payments that were issues. She also said my money back was guaranteed after 90-days. they were cashed shortly afterwards. To my horror surprised, when I checked the status of the checks after leaving the bank, Two of Three checks were cashed after I issued a stop payment. The purpose were due to dispute, checks that were made after the eviction was in process, and a detainer processed. They were not cashed, and for that purpose the person told the judge rent wasnt paid, and we were evicted. Therefore, to cash the checks afterwards is fraud. Im attacking dates, with emails, and documents. 

Stop payment # 1 Official Check Written out to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX From Business account Check number # XXXX For {$800.00} Date XX/XX/2018 From account ( XXXX XXXX XXXX ) account number # XXXX Rounting number # XXXX Stop payment # 2 Money Order To : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX For amount {$480.00} Date XX/XX/2018 ( This one I  believe came From my business account, I do not see it in the checking. Its under {$500.00} so I do not have the details. They helped me, but then couldnt track it again ). 

Stop payment # 3 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX The check I received my refund was for {$790.00} from checking account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian To Whom It May Concern, I sent a letter to you disputing 4 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit 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  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleased remove all fraud alerts and extended fraud alerts XXXX : # XXXX  # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/2021 I submitted a completed loan application through the PenFed website. I since then have not received any communication or Initial Disclosures from the lender. 

On XX/XX/2021 I made several calls to PenFed. None of them were successful in reaching an agent or employee of PenFed. The phone would route me to wrong departments and/or disconnect. This happened numerous times. 

On XX/XX/2021 I submitted a message on the penfed website using their " secure online messaging '' option for communication. Still no response. 

On XX/XX/2021 I made an additional attempt, calling penfed again. This time I got someone on the phpone, was in the wrong dept. but said he would transfer me to the mortgage dept. After 20 minutes on this call, it also disconnected. I made the agent on the call aware that previous call attempts had led to disconnecting the call. He took down my number and told me he would call me back if the call were to get disconnected. He never called back. 

Its been more than a weeks time, I have not received my initial disclosures, my credit was pulled, and I have made more than a reasonable number of attempts to connect with this lender, and get no response.
Product: Debt collection

I have made attempts to get it resolved but the amount thats being reported isnt the amount owed.
Product: Checking or savings account

Discover Bank Complaint CFPB # XXXX Over two months have passed since I contacted Discover Bank and informed them that every time I logged on to the site, I received the notification that I would have to complete a few items that would only take a few minutes before I could access my account. When I tried to comply, I received this message : TECHNICAL DIFFICULTIES We were unable to complete your request. We regret there was a problem on our end. Please try again later or contact Online Banking Customer Service at XXXX. As of this date, XXXX XXXX, XXXX, I am still receiving this message!! Then, in early XXXX, when I logged into the Discover Bank web site, and tried to access my account, I noticed that my user name was shown as I wanted it to do but when I clicked on the password block, a notification asked if I wanted to use my Discover Card password to access my account, I clicked on it and gained access to my account. Anyone with access to my computer could gain access to my account without knowing the password!! Alarmed, I again contacted Discover Bank and was directed to their web support department to get the matter corrected. I followed the employees instructions to accomplish this and when I tried to use my computer I found that all of my information entered for the various programs had been wiped out. I could not use my computer for two days before I had the problems corrected. They could not have XXXX things up any worse if they tried.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C. 1681c-2 ) that you, the TransUnioncredit reporting agency, block information appearing on my consumer credit report that is the result of idenity theif and fraud with 4 business days of you receiving this complaint. this fraudulent, inaccurate, and false information i am filing this to report three seperate fraudulent accounts appearing on my XXXX credit report. which i do not not recongize reported which are the result of idenity theif and fraud. these accounts consist of a collections/charge off, account open at credence resource manage XXXX XXXX in the amount of {$300.00}. three hard inquiries XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I demand that. the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collections activity related to said items cease pursuant to my rights within FCRA and FDCPA laws.